Aapke Sawalon Ke Jawab

Nahi — hamari service poore India mein available hai. Aap kisi bhi state ya city mein rahein, Call, WhatsApp aur Video Call ke zariye poori planning aur policy service mil sakti hai.

Bilkul zaroori nahi hai. Consultation, documentation, aur policy issue ka poora process Call/WhatsApp/Video Call se ho sakta hai. Agar aap chahein to in-person meeting bhi ho sakti hai, lekin ye zaroori nahi hai.

Free financial consultation, policy review (aapki existing policies check karke sahi guidance dena), premium calculation, aur general query resolution — ye sab bilkul free hain, koi charge nahi liya jaata.

WhatsApp par sabse tez response milta hai, aam taur par kuch hi ghanton mein. Call ka time Monday-Saturday, 9 AM se 8 PM ke beech best rehta hai.

Hum sabse pehle aapki financial requirement samajhte hain — jaise bachchon ki padhai, retirement, ghar, ya pure protection. Usi ke hisaab se sahi plan (endowment, term, money-back, ya whole life) suggest kiya jaata hai — ek hi plan sabko nahi diya jaata.

Plan ke hisaab se age criteria alag hoti hai. General documents mein ID proof, address proof, age proof, aur income proof (higher sum assured ke liye) chahiye hote hain. Exact list plan chunte waqt bata di jaati hai.

Term plan sirf life cover deta hai — agar policyholder term ke andar guzar jaaye to family ko payout milta hai, lekin agar wo survive kare to koi maturity nahi milti. Endowment plan mein life cover ke saath savings bhi hoti hai, aur term poora hone par maturity amount milta hai.

Yearly, Half-Yearly, Quarterly ya Monthly (ECS/auto-debit) — jo bhi aapke liye convenient ho. Yearly mode mein aam taur par sabse kam total premium banta hai.

LIC ek grace period deta hai (yearly/half-yearly ke liye 30 din, monthly ke liye 15 din) jisme bina kisi penalty ke premium bhara ja sakta hai. Agar policy lapse ho jaaye, to revival ka option bhi hota hai — is baare mein hum madad karte hain.

Ji haan, LIC premium par Income Tax Act ki Section 80C ke tahat deduction milta hai (old tax regime mein), aur maturity/claim amount bhi Section 10(10D) ke tahat conditions ke saath tax-free ho sakta hai. Exact applicability aapke tax regime aur policy ke hisaab se alag ho sakti hai.

Hum aapki purani/existing LIC policies check karke batate hain ki wo aapke current goals ke hisaab se sahi hain ya nahi, bonus/status kya hai, aur agar koi gap hai to use kaise cover karein — ye sab free mein.

Ye simple servicing requests hain — humein WhatsApp/Call par bata dein, hum aapko sahi form aur process bata denge, aur zarurat par submission mein bhi madad karenge — ye bhi free service hai.

Humein sampark karein — hum aapko zaroori documents ki list, form, aur process step-by-step samjhayenge, aur claim submit karwaane mein guidance denge, taaki aapko kam se kam paresaani ho.

Zyadatar cases mein haan, ek certain time period ke andar (revival period), pending premium aur interest bharke policy revive ki ja sakti hai. Hum aapki policy check karke exact eligibility aur process bata sakte hain.