Term, savings, child and retirement plans from LIC — explained in plain language and matched to your income, goals and budget. Free, unbiased guidance from an IRDAI-licensed advisor in [City].
A quick estimate based on your income and dependents. Takes 20 seconds.
If your family depends on what you earn — a home loan, school fees, everyday expenses, an ageing parent — then life insurance is what keeps those commitments funded if you're suddenly not around. It turns years of future income into a lump sum your family receives exactly when they need it most.
As an IRDAI-licensed LIC advisor based in [City], I help families across India choose the right plan — whether that's low-cost term cover to protect a loan, or a guaranteed-return savings plan for a child's education. No jargon, no pressure, and the premium you pay is exactly the same as going direct to LIC.
Different goals call for different plans. Here's how the main options compare — I'll help you pick the right mix.
The most affordable cover. A large sum assured (₹50 lakh–₹2 crore+) at a low premium, paid to your family if anything happens to you during the term. Ideal for protecting loans and young families.
Combine life cover with guaranteed maturity benefits and bonuses. You get a payout on maturity if you survive the term, or your family gets the sum assured if you don't. Good for disciplined, safe long-term saving.
Build a dedicated fund for school, college and milestones. Many plans waive future premiums if the parent passes away — so the child's goal stays funded no matter what.
Receive a percentage of the sum assured back at regular intervals during the policy term, plus life cover throughout. Useful if you want periodic liquidity rather than a single maturity payout.
Coverage that lasts your whole life, not just a fixed term, with the option to borrow against the policy's value. A practical tool for leaving a financial legacy to the next generation.
Turn today's savings into a guaranteed income for life after you retire. Choose immediate or deferred annuity options to suit when you want the income to begin.
Many plans offer cover up to a limit without a medical exam, subject to your age and health declaration.
Pay monthly, quarterly, half-yearly or yearly — whatever fits your cash flow. Single-premium options too.
Endowment and whole-life plans let you borrow against accumulated value during an emergency.
Add accidental-death, disability or critical-illness riders to strengthen a base plan at a small extra cost.
A 15–30 day free-look window to review your policy, plus a grace period if a premium is ever late.
I stay your point of contact for renewals and — most importantly — I personally assist your family at claim time.
Life insurance doesn't just secure your family — structured correctly, it reduces your taxable income too. I'll make sure it's set up to your advantage.
Life insurance premiums qualify for deduction up to ₹1.5 lakh per financial year.
Maturity and death benefits are generally tax-free, subject to conditions on the premium-to-cover ratio.
Contributions to eligible pension and annuity plans also qualify for deduction within overall limits.
Tax benefits are subject to prevailing tax laws and may change. Please consult your tax advisor.
No cold sales calls. Just a clear path from confusion to confidence.
We talk about your family, income, existing cover and what you're worried about.
I show you the right LIC plans for your goal — with the trade-offs laid out plainly.
You choose what fits. I handle paperwork, medicals and a smooth, paperless purchase.
I stay your point of contact for renewals, changes and claims for as long as you hold the policy.
It depends on your goal. Term insurance gives you the most cover for the lowest premium, but pays out only if something happens during the term. Endowment plans cost more but combine protection with a guaranteed maturity payout and bonuses. A common approach is a large term plan for protection plus a smaller savings plan for goals — I'll show you both honestly so you can decide.
A common guideline is 10–15× your annual income, plus any outstanding loans, minus your existing savings and cover. Use the estimator at the top of this page for a quick number, then we'll refine it around your real situation.
Not always. Many LIC plans offer cover up to a certain limit without a medical exam, based on your age and a health declaration. For higher cover, a simple medical check-up is arranged, often free of cost. I'll tell you exactly what your chosen plan requires.
As early as you have people depending on you. The younger you are, the lower your premium — and it stays locked in for the life of the policy. Buying in your 20s or early 30s can mean paying significantly less over the years than waiting.
Yes. Life insurance premiums qualify for deduction under Section 80C, up to ₹1.5 lakh per financial year, and maturity or death benefits are generally tax-free under Section 10(10D), subject to conditions. Tax rules can change, so I'll structure your plan against the current law.
You get a grace period — typically 15 days for monthly mode and 30 days for other modes — to pay without losing cover. If a policy does lapse, LIC usually allows revival within a few years by paying the overdue premiums with interest. I'll send you reminders so it rarely comes to that.
Claims are mostly rejected because of something not disclosed when the policy was bought. I make sure your application is filled honestly and completely from day one, and I personally assist your family with the claim later. LIC's claim settlement ratio is among the highest in the industry at over 98%.
What life cover actually is, why it matters, and how to choose your first plan.
LifeA plain-language comparison to help you pick the right plan for your goals.
FamiliesA simple way to work out the right sum assured for your situation.
Tell me a little about yourself and I'll get back within one working day — on call, WhatsApp, or in person.