LIC jeevan saral is the best LIC plan for savings. It is actually an endowment plan with lots of flexibilities which are normally linked in only and only unit linked insurance policy. Therefore LIC has termed this plan as a special plan. LIC jeevan saral is a non unit linked insurance policy with the benefits of double death benefit of sum assured with return of the premium of the policies. This policy allows the partial surrender of the plan in the third policy year of the plan. The loyalty addition of the policy starts adding up from the 10th year onwards of the plan. It is up to the policy holder to choose the term of the policy. Policy holder can also surrender the policy at any time without any penalty for surrender or loss after five years.