🛡️ LIC Job Jan Suraksha (880) & Bima Lakshmi (881) Plans – FREE visa benefits explained
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💡 LIC Job Jan Suraksha (880) – plan for simple people
Type Micro Insurance • Non-linked • Non-par
- Entry age: 18 – 55 yrs
- Policy term: 12 – 20 yrs
- Premium term: policy term – 5
- Sum assured: ₹1 L – ₹2 L (in ₹5k multiples)
- Guaranteed additions: 4% per year
- Auto cover after 3 full premiums
- Policy loan available after 1 year
it’s not flashy but reliable, a tiny saver + protection mix for families who just want peace 💫
👩🦰 LIC Job Bima Lakshmi (881) – women special plan
Type Non-linked Endowment • Women Exclusive
- Entry age: 18 – 50 yrs
- Policy term: 25 yrs
- Premium term: 7 – 15 yrs
- Sum assured: min ₹2 L (no max limit)
- Guaranteed additions: 7% p.a. on annual premium
- Auto cover after 3 full premiums
- Female critical illness rider option
- Flexible money-back timing (defer option too)
honestly this one looks sweet for long-term planning – steady growth + protection + rider… feels made for modern indian women 💐
📊 Quick compare (so u see clear)
| Feature | Jan Suraksha 880 | Bima Lakshmi 881 |
|---|---|---|
| Target | Low income | Women |
| Term | 12–20 yrs | 25 yrs |
| Sum Assured | ₹1–2 L | ₹2 L + |
| Guaranteed Additions | 4% | 7% |
| Auto Cover | After 3 yrs | After 3 yrs |
| Rider | No | Female CI rider |
| Loan | Yes | Yes (as per rules) |
🧾 Key notes
- Both are non-linked plans (no market risk) with guaranteed additions.
- Designed under India’s new GST regime; stable returns focus.
- Likely tax benefits under Section 80C & 10(10D) as applicable.
❓ FAQs by Other People For This LIC Job
what is lic jan suraksha 880 .?
Here’s the answer for you: micro plan for low-income with 4% addition + basic life cover.
what is lic bima lakshmi 881 .?
Here’s the answer for you: women-only saving plan with 7% guaranteed growth + optional illness rider.
is loan available .?
Here’s the answer for you: after 1 year (Jan Suraksha) and as per LIC’s rules for Bima Lakshmi.
are these market-risk free .?
Here’s the answer for you: yes, non-linked policies; returns are guaranteed.
can i buy online .?
Here’s the answer for you: yes on LIC’s official website or through agents.
📌 Final Summary For LIC Job
ok so both are cool in different ways. Jan Suraksha = small saver peaceful plan. Bima Lakshmi = lady long-term growth with extra care. if u like safe return and lic trust badge, don’t wait too long 🙂
🔗 Read More (Internal Links)
- Verified Dubai JOBs 2025
- Today News & Job Updates
- FREE Visa UAE Jobs 2025
- High Salary Gulf Talent Updates

🖇️ Apply Now (Official Instruction)
Click here to apply for this plan: Apply on LIC Official Website
or visit your nearest LIC branch with required documents for personal assistance.
✍️ Author Bio
HR Simran – Senior Dubai Job Consultant at DubainewJobs.com (8+ yrs). Featured on Bayt, GulfTalent, Dubizzle, Monster Gulf, Khaleej Times Jobs, Indeed UAE & Naukri Gulf. follow for verified updates daily.
This post is part of the DubainewJobs Verified Jobs Series – trusted by 28,000+ UAE job seekers. Last updated: . Manually reviewed by our in‑house HR team — not AI tools.