LICI maintains a conservative investment policy tempered by its philosophy that safety and security of the money held in its trust by its policyholders is far more important than highly risky profits. In Fiji, LICI’s funds are mostly invested in Government Bonds/securities and as term deposits with commercial banks. A small proportion of the investments are in term loans granted to Fiji Government supported institutions like FEA, Housing Authority etc. An overview of LICI's investments upto the period ended December 2008 is given below. By followiing prudent investment policies, LICI has over the years ensured that all its customers get value for money and competitive returns.

Investment	Amount Invested (F$)	% to total investments
Fiji Government Securities	144.36million	73%
Bonds Guaranteed by the Government	16.54million	8%
Fully secured Loans to Policyholders	25.85million	13%
Real Estate,Properties, Bank deposits etc	11.57million	6%

In spite of a conservative investment policy LICI has been delivering the highest bonuses in Fiji through its professional approach and prudent fund management practices. LICI's operational costs are also lower than other industry players thereby giving the company a cutting edge in adding value to its stakeholders- customers in particular. LICI distributes 95%% of its surpluses back to its policyholders as bonuses every year, etc, thereby making LICI policies more attractive.