When buying life insurance, most people focus on the sum assured or premium amount. But if you’re looking for maximum maturity value — the payout you get at the end of the policy term — you need to compare plans not just for coverage, but also for how much money they return after bonuses, loyalty additions, and guaranteed benefits.
In 2025, several insurers in India are offering plans with attractive maturity payouts, but the “best” one for you will depend on your age, term, premium budget, and whether you prefer guaranteed or bonus-linked returns.
Top Life Insurance Plans by Maturity Value (2025)
| Plan Name | Type | Key Maturity Feature | Typical Returns |
|---|---|---|---|
| LIC Jeevan Anand | Endowment + Whole Life | Maturity payout + lifetime cover | ₹12–14 lakh on ₹10 lakh SA (20 years) |
| HDFC Life Sanchay Plus | Guaranteed Return | Assured lump sum or income post-term | 6–6.5% IRR guaranteed |
| SBI Life Smart Guaranteed Savings Plan | Guaranteed Savings | Fixed maturity payout + bonuses | 5.5–6% IRR |
| ICICI Pru Guaranteed Income for Tomorrow (GIFT) | Guaranteed Income | Lump sum or annual income option | 6% IRR |
| Max Life Guaranteed Income Plan | Guaranteed Return | Annual income for set years + maturity bonus | 5.8–6.2% IRR |
How to Choose the Highest Maturity Plan
- Check IRR (Internal Rate of Return): It’s the best measure of real returns after accounting for premiums and payouts.
- Decide on Guarantee vs. Bonus-Linked: Guaranteed plans are safer, but bonus-linked plans (like LIC Jeevan Anand) may offer higher payouts if declared bonuses are strong.
- Align Policy Term with Your Goal: Don’t just pick the highest maturity — make sure it matches your financial timeline.
Case Example
Ramesh, 35, wanted a 20-year policy with ₹10 lakh sum assured.
- LIC Jeevan Anand projected ₹13.5 lakh maturity (bonus-linked).
- HDFC Life Sanchay Plus guaranteed ₹13 lakh maturity.
He chose Sanchay Plus because he wanted certainty, even though Jeevan Anand had the potential for a slightly higher payout.
Why It Matters
The “highest maturity value” isn’t always the smartest choice if it comes with risk or mismatches your needs. Understanding IRR and payout certainty helps you pick a plan that truly delivers value.
Bigger maturity value is good, but guaranteed financial peace of mind is even better. Share this eBharat.com guide so others choose wisely in 2025.
Internal Links:
- Best LIC Plans for Middle-Class Families (₹20K–₹50K Income)
- Guaranteed Return Plans – Are They Really Safe?
- What Is a Money-Back Policy and Who Should Avoid It?
