LIC Jeevan Surabhi plan is just another money back plan from LIC with the additional benefits as compared to other normal money back plans of LIC.
The main difference between LIC's Jeevan Surabhi plan and other money back insurance plan is that its maturity term is longer than the premium paying term.
Hence you get an extra maturity term benefit from 3 to 7 years depending on the plan no.
As Jeevan Surabhi is more attractive and beneficial money back insurance plan, here I would like to highlight some of its benefits, plan details, reviews and features to help you understand the insurance and investment both.
For example Jeevan Surabhi plan no.
106 has policy term 15 years while premium paying term is only 12 years giving you benefit of 3 years.
Similarly plan no.
107 has policy term 20 and premium paying term 15 and plan no.
108 has 25 and 18 years giving you benefit of 7 years.
Apart from the higher maturity term than premium paying term this money back insurance plan also gives you following benefits.

• Jeevan Surabhi gives you earlier and higher rate of survival benefit payment.
  
• Risk cover under this money back insurance plan keeps increasing every five years during the maturity term.
  For example, for the policy of Rs.
  100,000 and for 25 year term additional amount paid in case of death will be Nil / 50,000 / 100,000 / 1500,000 / 200,000 Rs.
  At every 5 year slot of policy term.
  For example during firs five year it will be Nil and 50,000 during 6-10 years and so on...
  

You don't need to be confused between the different term of premium paying and policy term.
Actually you get full assured sum at the end of the year of premium paying term while the risk cover benefit and additional risk covers will be continue till the end of the policy term.
For example, if your policy term is 25 years, you premium paying term will be 18 years as explained above.
So, you will be paid full assured sum at the end of 18 years and the risk cover benefit and other profits will continue till the end of 25 year policy term.
Accident benefit will be limited only during the premium paying term, for 18 years in above example.
While death benefit will be for the full policy term.
Jeevan Surabhi plan details:

• Entry age limit Minimum: 14 years.
  
• Entry age limit Maximum: 55 Years for plan no.
  106, 50 years for 107 and 45 years for plan no.
  108.
  
• Sum assured limit: minimum 50,000 Rs.
  And maximum has no limit.
  
• Term limits: there are only three fixed terms like 15, 20 and 25 years as discussed above.
  
• Mode of payment: Monthly, quarterly, half yearly and yearly.
  
• Maximum maturity age is 70 years.
  (for plan no.
  108 maximum entry age 45+ 25 year policy term = 70 years.
  )
• Loan facility available: Yes.