prevailing annuity rates at the time of purchase/vesting， or a financial advisor for exact details and personalized quotes. ， market performance (for ULIPs)， policy terms， calculations are based on historical public information and are **not guaranteed**. Loyalty Additions， in particular， Disclaimer: This calculator provides *illustrative estimates* for various LIC pension plans based on simplified assumptions and representative rates. Actual pension amounts and benefits depend on the specific plan chosen， your HR/Pension Department， are variable. This tool is for educational purposes only and should not be considered financial advice. Please consult an LIC agent， and specific scheme rules. GST is applied illustratively where applicable. For **discontinued plans** like LIC Jeevan Saral (Plan 165)，。