Where does LIC invest your money and how do policyholders actually earn returns
Last Update Date: 06-10-2026
Published by India Today
Abhishek Kumar's role: Quoted
Abhishek Kumar explained the IRDAI rules on where the insurer invests policyholder funds, said charges for mortality cover and agent commissions lower policy returns, and said life insurance should be bought for protection rather than wealth creation.
More of Abhishek's views on money management
The article explains how India's largest life insurer invests policyholders' money and how traditional policies pay out. It covers regulatory investment rules, the share placed in government securities, how bonuses are declared from surplus, and why policy returns trail direct market investments.
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Where does LIC invest your money and how do policyholders actually earn returns