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Are you buying for family protection (term plan)? Tax saving (endowment)? Child's future (child plan)? Retirement income (pension)? Your goal determines which plan — not the other way around.
Term cover = 15–20× annual income + outstanding loans. Don't guess. Use Vinodbhai's free cover calculator or WhatsApp him — he'll calculate it in 5 minutes.
If you need maximum protection at minimum cost → Term Plan. If you want savings + protection → Endowment. If you want guaranteed income → Pension Plan. Vinodbhai explains all three in plain language.
Never hide a pre-existing illness. LIC may ask medical questions during underwriting. Non-disclosure can lead to claim rejection — the one scenario you must avoid at all costs.
Choose your nominee carefully. Update the nominee if your life situation changes (marriage, children). This is the person who will receive the benefit — make sure it's correct and up-to-date.
Store physical copy at home AND share a digital copy with your nominee. Let them know the policy number, Vinodbhai's contact, and where to find the documents.
"Most first-time buyers need two things: a term plan for protection and an endowment or ULIP for long-term savings. Don't overcomplicate it. Start with these two — get more as your income grows."
ટેક ટર્મ
Buy a term plan first — always. ₹1 Crore cover at ~₹700–800/month for a 28-year-old. Pure protection at minimum cost. If you can only buy one policy today, make it a term plan.
નવ જીવન આનંદ
Once your protection is covered, add an endowment plan for long-term savings + 80C tax benefit. Maturity lump sum + lifelong cover. LIC's most trusted savings plan for 60+ years.
સામાન્ય પ્રશ્નો
Through Vinodbhai — always, for your first policy. An advisor ensures you choose the right plan, right cover, right nominee, and understands all exclusions. Buying online without guidance often leads to wrong plans, under-insurance, or rejected claims later.
Yes — and the earlier you buy, the cheaper the premium. A 24-year-old pays significantly lower term premium than a 34-year-old. The premium stays fixed for the entire term. Starting now locks in the lowest possible rate for life.
Aadhaar card, PAN card, a recent passport-size photograph, income proof (salary slip, Form 16, or ITR), and address proof. Vinodbhai will tell you exactly what's needed for your specific plan and help you submit everything.
Yes. Many families hold 3–5 LIC policies across different goals — term, savings, child, pension. LIC encourages this. Vinodbhai helps you build a comprehensive portfolio over time rather than overloading you with everything at once.
Sum assured is the guaranteed amount your family receives on your death. Maturity value is what you receive when the policy completes its term — sum assured + accumulated bonuses. For term plans, there is no maturity value (pure protection only).
Free. 15 minutes. Doorstep visits available across Vadodara. Same-day response. · નિઃ-ખર્ચ, નિઃ-દબાણ
Mon–Sat, 9AM–7PM · Vadodara, Gujarat · Agency Code: 00525879