Features Policy Document (7.3 MB) » LIC's Bhagya Lakshmi - Salient Features (397 KB) » LIC's Bhagya Lakshmi - Premium Rates (576 KB) » LIC's Bhagya Lakshmi - Proposal Form (1.5 MB) Introduction: LIC’s Bhagya Lakshmi is a non-par limited payment protection oriented plan with return of 110% of total amount of premiums payable on maturity where the premium paying term is 2 years lesser than the policy term.