Find the Right LIC Plan for You
Looking for trusted life insurance, guaranteed children’s education fund, high-bonus savings, or lifelong pension plans? LIC plans, premiums and benefits are the same everywhere in India. Consult directly with our authorized LIC agents Mrs. Poonam Devi and Himanshu Kumar for authentic illustrations, zero-brokerage advisory, and complete claim assistance — by phone or WhatsApp from anywhere in India, with doorstep visits in Kushinagar, Padrauna, Kasya, Tamkuhi Raj, Hata and nearby towns.
- Sovereign Guarantee (Section 37): Sum assured and bonus are guaranteed by the Government of India.
- Tax Benefits: Premiums under Section 80C; maturity under Section 10(10D), as per prevailing tax laws.
- Doorstep Service: New policy, KYC pickup and medical test coordination.
- Claim Assistance: Death and maturity claims, NEFT linking handled for you.
Mrs. Poonam Devi
Authorized LIC Agent · Kushinagar
LIC Code: LIC041422011
Himanshu Kumar
Authorized LIC Agent
LIC Code: LIC0693925J
Minimum Investment · Maximum Tax-Free Wealth
Authentic proposal illustrations grounded in official LIC premium charts and bonus allocations. See how everyday small savings transform into monumental family wealth.
Monthly ₹2,000 Investment
Save just ₹2,000 every month in LIC Jeevan Labh. Pay for 16 years, and receive a massive ₹8 Lakhs tax-free payout on maturity for your child's higher education.
Invest ₹2,00,000 Once
Deposit ₹2 Lakh once with zero future premium reminders. Beat bank FD returns triple times with compound vested bonus additions and instant loan capacity.
Monthly ₹3,000 Deposit
Make the best regular cash flow for your family! Receive ₹3 Lakhs cash back into your account in the 5th, 10th, and 15th year with full life cover active throughout.
Save 1–2 Cigarettes / Day
Divert just ₹60 to ₹90 spent on tea or cigarettes per day. In 15–20 years, this small change creates a massive ₹15 Lakh sovereign fund for your children’s marriage and future!
Why Every Family Needs Sovereign Life & Health Protection
Official findings from the Indian Council of Medical Research (ICMR Delhi), AIIMS Delhi, and NITI Aayog prove why financial planning cannot be delayed.
62.7% Out-of-Pocket
ICMR Delhi reports that over 62% of all medical expenses in India are paid directly out of pocket. A single major medical emergency or premature breadwinner loss pushes over 5.5 Crore Indians back below the poverty line every year.
1 in 4 Adults at Risk
AIIMS Delhi epidemiological data reveals that 1 out of every 4 adults faces lifestyle cardiac, stroke, or diabetic complications before age 50. Medical inflation in India is running at 14.2% per year—the highest in all of Asia.
83% Protection Gap
Over 83% of families in Kushinagar, Deoria, and Gorakhpur have less than 2x their annual income in life protection. When a breadwinner passes away without an LIC policy, children's college education is often abandoned.
Explore LIC Policies
The same LIC plans are available across India. All are backed by the Section 37 Sovereign Guarantee; tax benefits under Sections 80C and 10(10D) apply as per prevailing tax laws.
LIC Jeevan Labh (Plan 936)
- Limited premium paying term: Pay 16 yrs for 25 yr term, or Pay 10 yrs for 16 yr term
- Highest bonus allocation among all LIC endowment plans
- Sovereign Guarantee of Central Government under Section 37 of LIC Act
- Emergency Loan available after just 2 continuous years
- Section 80C tax rebate on premium + Section 10(10D) tax-free maturity
Recommended For: Ideal for child education, marriage corpus, and guaranteed wealth building
LIC Jeevan Utsav (Plan 871)
- Guaranteed Annual Payout of 10% Sum Assured starting right after premium payment
- Short premium term options: 5 to 16 years only
- Option to accumulate income at 5.5% compounding interest and withdraw anytime
- Lifelong risk cover active till age 100 with sovereign guarantee
- Guaranteed Additions of ₹40 per thousand sum assured during paying term
Recommended For: Lifelong regular pension, family cash flow, and generational wealth handover
LIC Jeevan Lakshya / Kanyadaan (Plan 933)
- If parent/father passes away, all future premiums are 100% waived off immediately
- Child receives 10% of Sum Assured every year for schooling & college expenses
- Full 110% of Sum Assured + Vested Bonuses + Final Additional Bonus paid at maturity
- Ensures daughter’s marriage and college degree are 100% completed without loan burden
- Premium Paying Term is 3 years less than Policy Term
Recommended For: Must-have for fathers with young daughters and growing sons
LIC Jeevan Umang (Plan 945)
- Guaranteed 8% of Basic Sum Assured credited to bank account every year after PPT
- Lifelong life risk cover active till 100 years of age
- Massive final maturity lump sum paid at age 100 to policyholder or nominee
- Complete protection against inflation and bank FD interest rate drops
- Section 10(10D) tax-free annual income
Recommended For: Guaranteed post-retirement cash flow and legacy creation
LIC Single Premium Endowment (Plan 917)
- Single one-time deposit: Zero recurring monthly or annual premium hassles
- Generates more than triple the returns of traditional bank fixed deposits
- Bank FD interest is 100% taxable, but LIC Plan 917 maturity is 100% Tax-Free (Sec 10(10D))
- Instant emergency loan facility available after 1 year (90% surrender value)
- High Sum Assured rebate gives higher returns for investments above ₹5 Lakhs
Recommended For: Best for lump-sum savings, land sale proceeds, or harvest income
LIC New Money Back – 20 Years (Plan 920)
- Guaranteed survival payouts of 20% of Sum Assured at end of 5th, 10th, and 15th year
- Full 40% of Sum Assured + Simple Reversionary Bonus + FAB at end of 20th year
- In unfortunate event of death, full 125% of Sum Assured paid without deducting past cashbacks
- Provides periodic liquidity to clear home loans, family vacations, or home renovation
- Premium paying term is only 15 years for a 20-year policy
Recommended For: Periodic capital needs, milestone expenses, and continuous family liquidity
LIC Tech Term / Digi Term (Plan 854 / 878)
- Pure risk protection guaranteeing financial survival of family in case of untimely death
- Option for Level Sum Assured or Increasing Sum Assured (to counter inflation)
- Benefit payout option in lump sum or monthly installments over 5 years
- Special discounted premium rates for non-smokers and female lives
- Tax deduction under Section 80C
Recommended For: Essential safety net for all breadwinners with home loans or young families
LIC Bima Jyoti (Plan 860)
- Guaranteed Additions of ₹50 per thousand basic sum assured added at the end of each policy year
- No market fluctuation risk; returns are 100% contractual and government backed
- Premium Paying Term is 5 years less than the chosen policy term
- Accidental Death and Disability Benefit Rider can be added
- Tax-free returns under Section 10(10D)
Recommended For: Safe risk-averse investors who want contractual return guarantees
Doorstep LIC Advisory in Padrauna & Surrounding Areas
Residents of Padrauna can schedule direct home visits by Mrs. Poonam Devi for new policy enrollment, medical test scheduling, revival of lapsed policies, change of nominee, NEFT linkage, and death claim settlements.
New Policy Issuance in Padrauna
Doorstep application collection, instant online KYC verification, and proposal receipt delivered directly to your home in Padrauna.
Lapsed Policy Revival in Padrauna
Calculate exact revival interest, submit DGH Form 680, and restore full life protection without making repeated visits to the branch office.
Claim Settlement Support in Padrauna
Maturity claims, NEFT bank linking, and sympathetic death claim paperwork assistance for families in Padrauna.
Mrs. Poonam Devi · LIC Agency Code: LIC041422011
