HomeInsurance Lab
Educational & Neutral
Understand Your LIC Policy Before You Invest
No sales. No agents. Just numbers.
Analyze My PolicyLIC Policy Analyzer
Enter your policy details and instantly see what you are actually buying.
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Surrender Value Calculator
SoonGuaranteed Surrender Value, computed exactly from the brochure factors.
IRR Calculator
SoonYour real annualized return (XIRR) across premiums, maturity and surrender.
Loan Eligibility Calculator
SoonHow much you can borrow against the policy, in force or paid up.
Inflation Impact Calculator
SoonWhat your maturity value is really worth in today’s money.
Policy Comparison
Compare against PPF, FD, gold and index funds — after tax.
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BullTimes Insurance Lab is educational and neutral. It does not recommend buying or rejecting any policy — it presents the numbers so you can decide.