The LIC Secure Pension Plan 2025 is gaining strong interest among retirement seekers as it promises a guaranteed lifelong monthly income of around ₹14,000, depending on investment amount and chosen annuity option. Designed for individuals seeking stable, risk-free post-retirement income, this plan focuses on predictability, capital safety, and long-term financial security backed by India’s largest life insurer.
What Is the LIC Secure Pension Plan 2025
The LIC Secure Pension Plan is a non-linked, non-participating annuity plan offered by the Life Insurance Corporation of India, where investors pay a lump sum (purchase price) and receive guaranteed pension payouts for life. The plan is particularly suitable for retirees who want freedom from market volatility and assured monthly income.
LIC Secure Pension Plan 2025 Snapshot
| Feature | Details |
|---|---|
| Plan Type | Immediate Annuity |
| Monthly Pension | Approx. ₹14,000 (varies by investment) |
| Income Duration | Lifelong |
| Risk Level | Very low |
| Issuer | Life Insurance Corporation of India |
How ₹14,000 Monthly Pension Is Calculated
The ₹14,000 monthly pension is based on factors such as purchase price, age at entry, annuity option selected, and payout frequency. Higher investment amounts and advanced age generally result in higher annuity payouts, while joint-life or return-of-purchase-price options may slightly reduce monthly income.
Who Should Consider LIC Secure Pension Plan
This plan is ideal for retirees, near-retirees, and conservative investors who prioritize income certainty over high returns. It is especially suitable for individuals using retirement corpus, gratuity, PF, or NPS maturity funds to lock in lifelong income.
Key Highlights of LIC Secure Pension Plan 2025
- Guaranteed monthly pension for entire lifetime
- No market risk or NAV fluctuations
- Multiple annuity options including joint-life
- Backed by government-owned LIC
Conclusion
The LIC Secure Pension Plan 2025 can effectively provide a guaranteed lifelong income of around ₹14,000 per month for eligible investors, depending on contribution and annuity choice. While it may not offer high returns, its strength lies in income certainty, safety, and peace of mind, making it a solid retirement option for risk-averse individuals.
Disclaimer
This article is for informational purposes only and does not constitute financial advice. Pension amounts depend on age, investment size, and annuity options chosen at the time of purchase. Terms, conditions, and annuity rates are subject to change as per LIC guidelines. Readers are advised to consult an LIC agent or certified financial advisor before making any retirement investment decisions.