1. General Disclaimer
Insurance is the subject matter of solicitation.
This website is independently owned and operated by Asha Rani, an authorized and registered Life Insurance Corporation of India (LIC) Agent (Agency Code: 07281948, Mansa Divisional Branch: 16K). This is NOT the official corporate website of the Life Insurance Corporation of India. The official website of LIC is www.licindia.in.
By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement.
2. Nature of Services
The information provided on this portal is for educational and informational purposes only. It is intended to assist users in understanding life insurance products, calculating approximate premiums, and facilitating the application process.
Submitting an inquiry or calculating a premium on this website does not guarantee policy issuance. The final issuance of any life insurance policy is subject to the underwriting rules, medical assessments, and final approval of the Life Insurance Corporation of India.
3. Accuracy of Information and Calculators
While we strive to keep the information up to date and correct, the plan details, maturity benefits, and premium calculators provided on this site are indicative. Actual premiums and benefits may vary based on your precise age, gender, medical history, GST rates, and LIC's declared bonus rates. Always refer to the official LIC policy document and sales brochure before concluding a sale.
4. Principle of Utmost Good Faith (Uberrima Fides)
Insurance contracts in India are governed by the principle of Uberrima Fides (Utmost Good Faith). As a user and prospective policyholder, you are legally bound to disclose all material facts regarding your health, medical history, lifestyle (such as smoking/drinking habits), and financial status truthfully during the application process.
Concealment, non-disclosure, or misrepresentation of material facts may lead to the rejection of the life insurance application or the repudiation of a death/maturity claim by LIC under Section 45 of the Insurance Act, 1938. Asha Rani (Advisor) shall not be held liable for claim rejections arising from the client's non-disclosure of material facts.
5. Intellectual Property
The content, layout, design, and graphics on this independent portal are owned by the operator. However, all trademarks, service marks, trade names, trade dress, product names, and logos associated with "LIC", "Life Insurance Corporation of India", and specific LIC Plan names (e.g., "Jeevan Umang", "Jeevan Anand") are the property of the Life Insurance Corporation of India.
6. Limitation of Liability
In no event shall Asha Rani or this advisory portal be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, or use of, this website. All policy contracts are strictly between the policyholder and the Life Insurance Corporation of India.
7. Governing Law and Jurisdiction
These terms and conditions are governed by and construed in accordance with the laws of India. Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Mansa, Punjab, India.