Plan Today. Protect Tomorrow.
Personalised LIC Insurance, Savings and Retirement Guidance
Explore LIC insurance and financial-planning solutions designed around your life goals. Get clear explanations of available plans, premium illustrations, benefits and policy conditions before making an informed decision.
- Clear plan explanations
- No obligation to buy
- Help for NRIs and OCIs
What Would You Like to Plan For?
Choose a goal to explore the relevant guides and plan information.
Family Protection
Explore life insurance options designed to help protect your family's financial future.
Explore Protection PlansTerm Insurance
Understand life cover, policy duration, premium factors, eligibility and exclusions.
Explore Term InsuranceSavings and Wealth Planning
Explore long-term savings and insurance plans aligned with your financial goals.
Explore Savings PlansChild's Future
Discover suitable insurance and savings options to help plan for education and future milestones.
Explore Child PlansRetirement and Pension
Understand retirement-income options, annuity products, payout choices and relevant conditions.
Explore Retirement PlansLIC for NRIs
Understand applicable eligibility requirements, documentation and the process for eligible NRI and OCI customers.
Explore NRI ServicesGuidance That Helps You Make Informed Decisions
Insurance is a long-term commitment. Our role is to help you understand the options and their conditions, so the decision you make is your own, well-informed one.
Personalised Guidance
Understand available options based on your age, financial goals, family responsibilities, budget and eligibility.
Clear Plan Explanations
Understand premiums, policy benefits, applicable conditions, exclusions and the difference between guaranteed and non-guaranteed benefits.
Support Throughout the Policy Journey
Receive assistance with application documentation, policy servicing and claim-related documentation within the advisor's authorised role.
Guidance for NRIs
Understand the applicable requirements and procedures for eligible NRI and OCI applicants.
Explore LIC Plans for Your Life Goals
Each category serves a different purpose. Insurance protection, savings, pension and market-linked products work very differently, so it helps to start with your goal.
Term Insurance Plans
Pure life cover: a death benefit for your nominee if you die during the policy term, usually with no maturity value. It offers the highest cover for the premium.
Evaluate: Cover amount, policy term, premium payment option, riders, exclusions and eligibility.
Savings and Endowment Plans
Combine life cover with a lump sum at maturity, helping you save towards a goal over a fixed term.
Evaluate: Guaranteed vs bonus-linked benefits, term, premium commitment, surrender value and loan options.
Whole Life Insurance Plans
Cover that can continue for life, often to a very high age, with savings or income benefits depending on the plan.
Evaluate: Premium-paying term, how long cover lasts, survival benefits and whether they are guaranteed.
Money-Back and Income-Oriented Plans
Pay part of the sum assured at regular intervals during the term, with the balance and any bonus at maturity.
Evaluate: Payout schedule, total benefit, effect of payouts on cover and bonus terms.
Child-Related Insurance and Savings Plans
Plans aimed at funding a child's education and milestones, with benefits timed to the child's age.
Evaluate: Who is insured, payout ages, premium waiver options and maturity conditions.
Pension and Annuity Plans
Build a retirement corpus or convert a lump sum into a regular income for life or a fixed period.
Evaluate: Annuity option, payout frequency, purchase price, deferment period and whether the purchase price is returned.
Market-Linked Insurance Plans (ULIPs)
Unit linked plans invest part of the premium in funds of your choice. Returns depend on market performance and the investment risk is borne by the policyholder.
Evaluate: Charges, fund options, lock-in period, risk level and suitability for your time horizon.
Single-Premium Plans
Pay the whole premium at once instead of over several years. LIC's current list includes plans such as the Single Premium Endowment Plan and Jeevan Utsav Single Premium, and some other plans offer a single-premium option.
Evaluate: Lump-sum affordability, cover under the plan, tax treatment and what happens on surrender.
LIC adds and withdraws plans from time to time, so not every plan in a category is available at any given time. Check the current plan, its sales brochure and policy wording on LIC's website before applying. Bonuses and market-linked returns are not guaranteed.
How Our Advisory Process Works
Basic guidance comes with no obligation to buy a policy.
Step 1: Share Your Goals
Tell us what you want to achieve, such as family protection, long-term savings, child planning or retirement income.
Step 2: Discuss Your Requirements
Review relevant needs, budget, eligibility and policy considerations.
Step 3: Understand Your Options
Receive applicable premium illustrations and clear explanations of policy terms and benefits.
Step 4: Make an Informed Decision
Proceed only after reviewing the relevant benefits, costs, exclusions and conditions.
Your LIC Insurance Advisor
Choosing an insurance policy is an important financial decision. Our approach focuses on understanding your requirements, explaining relevant LIC insurance options and helping you evaluate the available choices with clarity.
Whether your priority is family protection, savings, children's future or retirement planning, the objective is to help you make a considered decision based on your needs and the applicable policy terms.
Building Trust Through Personalised Service
- We explain how each benefit works, including what is guaranteed and what is not.
- We share official premium illustrations and LIC's plan documents before you decide.
- We point out exclusions, waiting periods and surrender conditions, not just benefits.
- We help with paperwork after you buy, from servicing requests to claim documents.
- You decide in your own time. There is no pressure and no obligation.
Understand Your Insurance Options
Plain-English guides to LIC plans, premiums and policy benefits.
Term insurance
LIC Bima Kavach Term Plan: ₹2 Crore Cover, Premium and Benefits
High-cover pure protection from ₹2 crore, with regular, limited and single premium options explained.
Read More about LIC Bima Kavach Term Plan: ₹2 Crore Cover, Premium and BenefitsTerm insurance
LIC Yuva Term Plan 875: ₹1 Crore Cover, Premium Comparison and Complete Guide
How LIC Yuva Term works, with premium illustrations for ₹1 crore of cover.
Read More about LIC Yuva Term Plan 875: ₹1 Crore Cover, Premium Comparison and Complete GuideWhole life
LIC Jeevan Umang Plan 745 – Benefits, Eligibility, Premium & Maturity
A whole life plan with yearly survival benefits: how the payouts and conditions work.
Read More about LIC Jeevan Umang Plan 745 – Benefits, Eligibility, Premium & MaturityRetirement
LIC New Jeevan Shanti Plan – Features, Benefits, Annuity & Complete Guide
A deferred annuity plan for planning retirement income, with annuity options explained.
Read More about LIC New Jeevan Shanti Plan – Features, Benefits, Annuity & Complete GuideSavings
LIC Jeevan Labh Plan 936 & 736: Benefits, Premium, Maturity & Other Details
A limited-premium endowment plan: premium terms, maturity and bonus details.
Read More about LIC Jeevan Labh Plan 936 & 736: Benefits, Premium, Maturity & Other DetailsNRI
Transfer QROPS to LIC India: A Complete Guide for NRI Pension Transfers
What NRIs should know about moving a UK pension into an LIC plan.
Read More about Transfer QROPS to LIC India: A Complete Guide for NRI Pension TransfersLIC Insurance Guidance for Eligible NRI and OCI Customers
Understand the applicable eligibility criteria, documentation, payment requirements and application procedures before proceeding with an LIC policy application. Requirements may vary depending on residency status, product eligibility and applicable rules.
Not every LIC plan is available to every NRI or OCI applicant; eligibility is confirmed plan by plan.
Let's Discuss Your Financial Goals
Tell us what you are planning for, and request a discussion about relevant LIC insurance options.
Call: 99675 16165Speak to an advisor WhatsApp: Chat With an AdvisorMessage us on 99675 16165We use the details you share only to respond to your enquiry. Please read our privacy policy. Do not send Aadhaar, bank, card or medical details through this form.
Frequently Asked Questions
How do I choose a suitable LIC policy?
Start with your goal: protection, savings, a child's future or retirement income. Then consider how much cover or income you need, for how long, and the premium you can keep paying. Compare the benefits, conditions and exclusions of the shortlisted plans in LIC's sales brochures and policy documents before deciding.
What is the difference between term insurance and savings plans?
Term insurance gives pure life cover: it pays a death benefit during the policy term and usually nothing if you survive, which keeps premiums low. Savings plans such as endowment plans combine life cover with a maturity benefit, so premiums are higher for the same cover.
How can I obtain a personalised premium illustration?
Share your age, the plan or goal you are considering and the cover or premium you have in mind through the enquiry form, by phone or on WhatsApp. An official benefit illustration can then be prepared for your details.
Are all policy maturity benefits guaranteed?
No. Only benefits that the policy document states as guaranteed are guaranteed. Bonuses in participating plans depend on LIC's declarations and are not guaranteed, and returns from unit linked plans depend on market performance. Always check the current policy wording.
Can NRIs and OCIs apply for LIC policies?
Many LIC plans can be offered to NRIs, subject to LIC's rules for residency, country of residence, plan eligibility and underwriting. Separate conditions apply to OCI cardholders, and some plans may not be available. Eligibility should be checked for the specific plan with current LIC documentation.
What documents are generally required to apply?
Usually a completed proposal form, identity, address and age proof, KYC documents and photographs, plus income proof for higher cover. Medical reports may be needed depending on age, cover and plan. The exact list depends on the plan and LIC's current requirements.
How can I get assistance with an existing LIC policy?
Contact us for help with premium payments, revival of a lapsed policy, nominee or address changes, loans, and maturity or claim documentation. Some requests must be completed directly with LIC, and we can explain the steps.
How do I contact an LIC insurance advisor?
Call 99675 16165, message on WhatsApp, or use the enquiry form on this page.
Take the Next Step Towards Informed Financial Planning
Explore available LIC insurance solutions or speak with an advisor to understand the options relevant to your goals.
