જો તમે ન હો, તો?
Your family struggles with EMIs, school fees, and daily expenses. Home loan goes unpaid. Savings depleted in 2–3 years.
Family receives ₹50L–₹2Cr lump sum. EMIs paid. Children's education funded. Spouse financially secure for life.
A ₹1 Crore term cover for a healthy 30-year-old costs just ₹700–₹900/month. Less than a family dinner out.
વિનોદભાઈ દ્વારા ઉપલબ્ધ શ્રેષ્ઠ ટર્મ પ્લાન
નવ જીવન અમર
Pure term plan — maximum cover at minimum cost. Your family gets the full sum assured tax-free. No maturity value — just pure, honest protection.
ટેક ટર્મ (ઓનલાઈન)
LIC's lowest-premium online term plan. Flexible payout — lump sum OR monthly income for the family. Vinodbhai assists with the online process end-to-end.
ડિજિ બીમા
Offline term plan with accident benefit rider. Suitable for those who prefer an agent-assisted term plan rather than online purchase.
"I always tell families in Vadodara: your cover should be at least 15–20 times your annual income. If you earn ₹5 lakh/year, you need at least ₹75 lakh–₹1 crore in term cover. Most people are shocked when they see how affordable this actually is. Let me calculate the exact right number for your family — free, no pressure."
સામાન્ય પ્રશ્નો
A simple rule: 15–20 times your annual income, plus the total outstanding home/personal loan. So if you earn ₹6 lakh/year and have a ₹20 lakh home loan, aim for ₹90 lakh–₹1.2 crore in cover. Vinodbhai will calculate the exact number for your situation — free.
LIC's Tech Term and Digi Term are price-competitive with most private term plans. For a 30-year-old male non-smoker, ₹1 Crore cover costs approximately ₹700–900/month. Vinodbhai will show you the exact premium for your age.
Yes. Your home loan lender may have given you a bundled Mortgage Reducing Term Assurance (MRTA). But this covers only the loan — your family gets nothing extra. A separate term plan ensures your family gets the full sum assured regardless of the loan.
Yes. LIC pays death claims for deaths outside India, provided the policy is in force and the cause of death is not excluded. Vinodbhai will explain all exclusions clearly before you buy.
You can apply — LIC will assess your health history during underwriting. Some conditions may result in a higher premium or exclusion rider. Vinodbhai guides many clients with health conditions through this process honestly.
Free. 15 minutes. Doorstep visits available across Vadodara. Same-day response. · નિઃ-ખર્ચ, નિઃ-દબાણ
Mon–Sat, 9AM–7PM · Vadodara, Gujarat · Agency Code: 00525879