PolicyBros - Insurance Calc

About PolicyBros - Insurance Calc

LIC insurance made simple, for everyone.

PolicyBros is the fastest, cleanest way to calculate and compare LIC plans. Built for LIC agents and customers who are tired of slow, ad-filled tools, it gives you accurate premium and maturity figures, instant branded quotes, and plain-language plan details in one modern app that stays up to date.

WHY POLICYBROS
- Completely free. Every calculator and every tool, with no paywall, no trial and no subscription.
- Ad-free. No pop-ups blocking your work.
- Always current. Bonus rates, plans, and LIC updates are refreshed centrally, so your numbers are never stale.
- Works offline. Calculate anywhere, even with no signal.
- One app for both agents and customers.
- Hindi and more languages on the way.

16 CALCULATORS IN ONE APP
Premium (with mode rebates), maturity projection with XIRR, surrender value, policy loan eligibility, settlement option, premium revival and late fee, income tax (old vs new regime), Section 80C and 10(10D) tax benefit, maturity-to-pension, human life value, age, BMI, plan comparison, LIC vs SIP/NPS/PPF investment comparison, and the Plan Adviser.

FOR LIC AGENTS
- Premium calculator for all active plans, with every payment mode.
- Maturity and benefit projections based on current bonus rates, with the implied return (XIRR).
- Year-wise table: premium due, vested bonus, and life cover for every policy year, plus a benefit-pattern chart.
- Riders: term assurance, accident benefit, critical illness, and premium waiver.
- Branded PDF quotes with your name, photo, and signature, with the real rupee symbol.
- Share instantly on WhatsApp, Telegram, or email.
- Plan Adviser: enter age and goal, get suitable plan suggestions.
- Client book with premium-due reminders, commission tracking, and a proposals pipeline.
- Lead inbox: receive customer callback requests, claim them, and follow up.
- IC-38 exam prep: a question bank and timed mock tests to get licence-ready.
- Optional cloud backup so your clients, policies, and quotes follow you to any device.

FOR CUSTOMERS
- Free premium and maturity calculators, no login needed.
- Understand any LIC plan in simple, everyday language.
- Compare plans side by side before you decide.
- See how LIC stacks up against SIP, NPS, and PPF for the same outlay.
- Find the right plan for your age and goals in under a minute.
- Track your own policies and get a reminder before every premium is due.
- NRI help: an eligibility checker plus document, revival, and claim guides for managing LIC from abroad.

PolicyBros is part of PolicyBros.in, an independent and comprehensive guide to LIC plans for policyholders, NRIs, and agents.

Disclaimer: PolicyBros is an independent tool and is not affiliated with, endorsed by, or officially connected to Life Insurance Corporation of India (LIC). All calculations are indicative only. Actual premiums, benefits, and terms are as per LIC of India. LIC and related trademarks belong to Life Insurance Corporation of India.