vinodjaiswal http://vinodjaiswal.in Tue, 12 Aug 2025 13:07:41 +0000 en-US hourly 1 https://wordpress.org/?v=7.0 http://vinodjaiswal.in/wp-content/uploads/2025/02/cropped-cropped-ss-32x32.jpg vinodjaiswal http://vinodjaiswal.in 32 32 LIC New Jeevan Shree (Plan No. 911 & 912) – The Ultimate Guide to LIC’s Latest Offering http://vinodjaiswal.in/lic-agent-near-me/ http://vinodjaiswal.in/lic-agent-near-me/#respond Tue, 12 Aug 2025 12:34:45 +0000 https://vinodjaiswal.in/?p=3168

Introduction – A New Chapter in LIC’s Legacy

If you’ve been keeping an eye on LIC’s latest offerings, you’ll be excited to know that a brand-new plan is here — the LIC New Jeevan Shree (Plan No. 911 & 912), launching on 04 July 2025. Life Insurance Corporation of India, or LIC as we all fondly call it, has been a household name for decades. When people think about long-term financial security, they almost always search for an LIC agent near me to get trusted advice.

This new plan is designed to blend security, guaranteed returns, and long-term growth — making it a perfect choice for anyone looking to safeguard their family’s future while building wealth. And because it comes from LIC, you get the assurance of a company with an unmatched track record in keeping promises.

2. What is LIC New Jeevan Shree?

The New Jeevan Shree (Plan No. 911 & 912) is a non-linked, with-profits, limited premium payment endowment plan. That’s a mouthful, so let’s break it down:

  • Non-linked: Your returns are not tied to stock market ups and downs.

  • With-profits: You get bonuses declared by LIC from time to time.

  • Limited premium payment: You pay premiums only for a set period, but your coverage continues for the full term.

Whether you’re a salaried professional, a business owner, or even someone approaching retirement, this plan has something for you. And yes, if you’re still wondering where to begin, the easiest step is to call an LIC agent near me to explain it face-to-face.

3. Key Features of LIC New Jeevan Shree

Here’s why the plan is turning heads:

  1. Guaranteed Sum Assured – You know exactly what your family will receive.

  2. Bonus Facility – Participate in LIC’s profits via bonuses.

  3. Loan Against Policy – Need funds urgently? You can borrow against the plan.

  4. Flexible Premium Payment – Choose annual, half-yearly, quarterly, or monthly.

  5. Tax Benefits – Premiums qualify for deductions under Section 80C, and maturity is tax-free under Section 10(10D) as per current tax laws.

  6. Rider Options – Add accidental death and disability benefits for extra safety.

Every point above is worth discussing with an LIC agent near me because they can tailor the plan to your budget and goals.

4. Benefits in Detail

Death Benefit:
If the policyholder passes away during the policy term, the nominee receives:

  • The Sum Assured on Death

  • Accrued bonuses

  • Any final additional bonus

Maturity Benefit:
On surviving till the end of the policy term, you get:

  • The Basic Sum Assured

  • Bonuses declared during the policy term

  • Final additional bonus, if applicable

Bonus Participation:
Since it’s a with-profits plan, LIC declares bonuses every year, which enhance the maturity or death benefit amount.

Think of it like this: your plan is a growing asset, and your LIC agent near me can show you past bonus trends to give you an idea of potential returns.

5. Eligibility Criteria

To make sure you qualify, here are the basics:

  • Minimum Entry Age: 18 years

  • Maximum Entry Age: 55 years

  • Policy Term: 15, 20, or 25 years

  • Premium Payment Term: Limited, depending on policy term

  • Minimum Sum Assured: ₹5 lakh (varies with term)

  • Maximum Sum Assured: No upper limit (subject to underwriting)

Again, your LIC agent near me will confirm the exact figures for your specific case.

6. Comparison with Older LIC Plans

Many people ask, “How is this different from older Jeevan Shree or other popular LIC plans?” Let’s look:

Old LIC Jeevan Shree

  • Guaranteed additions instead of bonuses

  • Less flexibility in payment

  • Limited rider options

New LIC Jeevan Shree

  • Combines guaranteed benefits with bonus potential

  • More flexible premium modes

  • Enhanced rider benefits

LIC Jeevan Anand vs New Jeevan Shree

  • Jeevan Anand offers lifelong cover even after maturity, but bonuses can be lower.

  • New Jeevan Shree focuses on strong maturity benefits with guaranteed growth.

Your LIC agent near me can even prepare a side-by-side chart so you can see which plan aligns best with your life stage.

7. Who Should Buy This Plan?

This plan works beautifully for:

  • Young Professionals: Start early, pay lower premiums, enjoy bigger benefits.

  • Parents: Build a safety net for children’s education and marriage.

  • Pre-Retirees: Ensure a guaranteed corpus on retirement.

  • NRIs: Benefit from LIC’s trust while living abroad.

Whether you fall in one of these categories or have unique goals, an LIC agent near me can tweak the plan to fit you perfectly.

8. Why Contact an LIC Agent Near Me?

Sure, you can read brochures online, but nothing beats a one-on-one discussion. Here’s why:

  1. Local Expertise: They know the market and understand LIC products inside-out.

  2. Personalized Calculations: They’ll show exactly how much you need to invest.

  3. Claim Assistance: If the need arises, they guide you through the process.

  4. Trust Factor: They are often known faces in your community.

When you connect with an LIC agent near me, you’re not just buying a plan — you’re gaining a lifelong financial guide.

9. Real-Life Example Scenarios

Example 1:
Ravi, 30, takes the 20-year New Jeevan Shree plan for ₹10 lakh sum assured. He pays for 15 years. At maturity, he gets his sum assured plus accumulated bonuses — enough to fund his daughter’s college.

Example 2:
Meena, 45, opts for a 15-year plan. She uses it as a retirement safety net. By the time she’s 60, she has a guaranteed lump sum to rely on.

Both Ravi and Meena started their journey by speaking to an LIC agent near me, who explained the plan in simple words and calculated exactly what they needed.

10. How to Find the Best LIC Agent Near Me

Finding the right LIC agent can make a big difference. Here’s how:

  • Check Experience: Ask how long they’ve been selling LIC plans.

  • Look for Reviews: See what other customers say.

  • Ask for Examples: Request real policy illustrations.

  • See Their Availability: Choose someone who answers calls and messages promptly.

Your LIC agent near me should make you feel comfortable and confident before you sign anything.

11. Step-by-Step Buying Process

  • Initial Contact: Reach out to an LIC agent near me.

  • Needs Analysis: They understand your goals and budget.

  • Plan Illustration: They show you the expected returns.

  • Documentation: Fill forms and submit ID proofs.

  • Medical Check (if required): For higher sums assured or certain ages.

  • Policy Issuance: LIC issues your policy document.

Conclusion & Call to Action

The LIC New Jeevan Shree (Plan No. 911 & 912) is more than just an insurance policy — it’s a disciplined savings tool, a safety net, and a long-term investment rolled into one. With its mix of guaranteed returns, bonus potential, and flexibility, it’s well-suited for today’s diverse financial needs.

So, don’t wait for “someday.” Whether you’re starting your career, planning for your kids, or securing your retirement, take that first step. Speak to an LIC agent near me today, get your personalized plan illustration, and give your future the security it deserves.

LIC agent near me
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]]> http://vinodjaiswal.in/lic-agent-near-me/feed/ 0 LIC Policy for Women 2025 http://vinodjaiswal.in/lic-policy-for-women/ http://vinodjaiswal.in/lic-policy-for-women/#respond Sun, 06 Jul 2025 18:22:19 +0000 https://vinodjaiswal.in/?p=3087

LIC Policy for Women 2025

Life Insurance Corporation of India (LIC) offers a unique Aadhaar Shila plan—exclusively for women and girls—through PolicyBazaar. This non-linked, participating saving-cum-protection policy combines steady returns with essential coverage, tailored to women’s financial needs

Who Can Apply & Policy Duration

  • Eligibility: From girls aged 8 to women aged 55 
  • Policy Term: Choose between 10 to 20 years, with maturity age capped at 70 

Investment Range & Payments

  • Sum Assured: Minimum ₹75,000; maximum ₹300,000 
  • Premium Payment Modes: Monthly, quarterly, half-yearly, or annual installments 
  • Flexible Options: Auto cover, loan facility, and surrender after two policy years 

Returns & Benefits

Protection

  • Provides life cover—paid to the family in case of policyholder’s death before maturity 

Savings

  • Maturity Benefit:
    • If you start at age 30, investing just ₹29/day (~₹10,959/year) for 20 years, you’ll receive approximately ₹4 lakh at maturity 
    • Alternatively, investing ₹58/day (~₹21,918/year) for 20 years is projected to yield around ₹7.94 lakh 
    • Investing ₹87/day for 15 years starting at age 55 could result in ₹11 lakh returns 

Liquidity Options

  • Auto cover ensures continuity even if premium payments are skipped.
  • Loan facility available against the policy.

Surrender value equals total premiums paid plus guaranteed surrender value after two years

LIC Policy for Women 2025

Why It Matters for Women

  • Custom-fit for women: No entry barriers apart from Aadhaar, PAN, and a bank account 
  • Low daily investment: Affordable for working women and homemakers alike 
  • Combines protection + savings: Ideal for long-term financial planning and security.

How to Choose Your Premium

  • Decide between daily affordability and desired maturity amount.
  • Choose tenure based on when you want to reach age 70.
  • Select premium frequency (monthly, quarterly, etc.) that aligns with your cash flow.

LIC Policy for Women 2025

Considerations Before Buying

  • For investment & protection: Aadhaar Shila is a sound option—but research other plans, riders, or even pure term policies, depending on your needs.
  • Compare plans: PolicyBazaar data shows a rise in women choosing high-cover term plans – especially those 20+, 30+ age groups 

Watch for agent bias: Some traditional endowment-style LIC plans may offer modest returns

LIC Policy for Women 2025

Final Tips

  1. Clarify expectations: Understand that returns are modest but guaranteed and secure.
  2. Read the policy document thoroughly. Don’t rely solely on agent promises.

Compare options: Consider pure term plans + investments for higher returns. LIC term policies can be competitive

LIC Policy for Women 2025

Conclusion

LIC Policy for Women 2025 - Empowering Every Woman's Future!

In today’s world, financial security is not a luxury — it’s a necessity for every woman. LIC’s specially designed policies for women in 2025 offer you the perfect blend of protection, savings, and future planning.

✅ Secure your child’s future
✅ Plan for your retirement
✅ Achieve true financial independence
✅ Leave behind a legacy for your loved ones

💡 Why Choose LIC Policies for Women?
✔ Tailored benefits for women
✔ Tax savings & guaranteed returns
✔ Hassle-free claim process
✔ Peace of mind for you and your family

 

Contact the Best LIC Advisor - Vinod Jaiswal

For expert guidance & the best LIC policies for women
Call/WhatsApp: +91 98310 13565

👉 Your future deserves the best. Get insured with confidence!

LIC’s Aadhaar Shila plan is a thoughtfully crafted policy for women, offering a blend of safety, savings, and coverage. It empowers women to build long-term financial security with modest daily investments. If your goal is a guaranteed payout and security, this plan is a strong contender. However, for growth-oriented goals, consider alternatives like term insurance paired with market-linked investments.

LIC Policy for Women
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]]> http://vinodjaiswal.in/lic-policy-for-women/feed/ 0 Authorized LIC agent Kolkata http://vinodjaiswal.in/authorized-lic-agent-kolkata/ http://vinodjaiswal.in/authorized-lic-agent-kolkata/#respond Fri, 04 Jul 2025 08:18:35 +0000 https://vinodjaiswal.in/?p=2958

Why You Should Choose an Authorized LIC Agent in Kolkata for Your Life Insurance Needs?

Looking For Authorized LIC agent Kolkata ?

Choosing the right life insurance policy is one of the most important decisions of your life when it comes to securing your future and protecting your loved ones. But with so many plans and agents out there, how do you make the right choice? If you live in Kolkata, choose an authorized one.

Add Your Heading Text Who is an Authorized LIC Agent?

An authorized LIC agent is a certified professional who is recognized by the Life Insurance Corporation of India to assist in fulfilling actual LIC policy payment claims and provide policy services. Unlike freelancers or third-party collectives, they undergo official training and work directly as per LIC guidelines.

Benefits of Choosing an Authorized LIC Agent in Kolkata:

1. Genuine LIC Policies Only
With a licensed agent, you can be sure you’re getting authentic LIC products — no third-party markups, no hidden charges.


2. Expert Guidance
Authorized agents in Kolkata are trained to understand your financial goals, whether it’s child education, retirement planning, or term protection.


3. Doorstep Service
Most top LIC agents in Kolkata offer free home visits, making it convenient to compare plans, ask questions, and sign up from the comfort of your home.


4. Claims Assistance
An experienced agent will personally assist you or your family with policy claims, saving you time and stress during difficult times.


5. Lifetime Support
Your LIC agent is not just a salesperson — they’re a long-term financial partner.

Expect policy reviews, updates, and reminders for premium payments.

Authorized LIC agent Kolkata
Why Kolkata Residents Trust Local LIC Agents Kolkata has a deep-rooted culture of financial prudence and family values. Local agents understand these nuances and suggest plans like:

• LIC Jeevan Labh – for long-term savings
• LIC Jeevan Anand – for lifelong protection
• LIC New Children’s Money Back Plan – for your child’s future
• LIC Tech Term Plan – for affordable online term insurance

Authorized LIC agent Kolkata
How to Identify an Authorized LIC Agent in Kolkata

• Check for their official ID card issued by LIC
• Ask for their IRDAI license number
• Visit their profile on LIC’s official website
• Look for positive Google reviews and testimonials

Authorized LIC agent Kolkata

Need Help Choosing the Right LIC Plan?

Conclusion:

Mr. Vinod Jaiswal
Authorized LIC Insurance Advisor
📍 Serving Area all over the west bengal
📞 Call/WhatsApp: [98310 13565/ 84200 53307]

Authorized LIC agent Kolkata

Choosing life insurance is more than just choosing a policy. It is a matter of choosing the right guidance. An authorized LIC agent in Kolkata ensures honesty, experience and support at every step. Don’t leave your financial future to chance. Talk to an LIC professional today.

Authorized LIC agent Kolkata

1. West Bengal-based LIC “Jeevan Utsav”
Key features:

 

Non-linked, lifetime protection and savings plan.

Basic insurance 10%/annual income benefit (Regular or Flexi Income).

 

Premium payment period: 5–16 years; Entry age 18–75 years
policybazaar.com

bengali.economictimes.com

bankofindia.co.in

Authorized LIC agent Kolkata

If you are live, you will get 10% income of basic SAM; Flexi Income will also have the facility of withdrawal up to 75%
bengali.economictimes.com
.

Suitable for whom:

If you want long-term savings.

If you need regular income.

If you want secure lifetime cover.

Authorized LIC agent Kolkata

🧾 2. “Term Insurance with Return of Premium” (TROP)

 

How it works:

It is basically a term plan but returns the premium on maturity.

 

For example: If you pay ₹2,000/month for 10 years, at the end of the term you will get all the premium back ₹2,000×10×12 = ₹2,40,000
bankofindia.co.in
bengali.abplive.com
bankofindia.co.in

policybazaar.com

policybazaar.com

Authorized LIC agent Kolkata

Profitable reasons:

Benefit to the family in case of death.

Return of the original premium in case of survival.

Tax exemption (under section 80C, 10(10D))
aajkaal.in

policybazaar.com

licbangladesh.com

For whom:

Want to invest at a safe cost.

Want both guaranteed returns and coverage.

3. ULIP and profit-linked plans
LIC Index Plus, Nivesh Plus, Jeevan Umang, Jeevan Utsav etc.

ULIP plans: Market-linked, unit-based investment opportunities.

Nivesh Plus: Single premium ULIP, fund switching and partial withdrawal facilities after 5th year
youtube.com

 

bengali.economictimes.com

bankofindia.co.in

policybazaar.com

aajkaal.in

Jeevan Umang: Whole life cover, annual survival bonus income
policybazaar.com
.

Index Plus: Guaranteed death benefit + market-linked return opportunities
bengali.abplive.com

policybazaar.com

policybazaar.com

Who is suitable for:

Risk-averse, wants to get market-linked dividends.

Interested in long-term savings.

 

Your opinion – which policy is right?
Plan Return Guarantee Risk-averse Who is suitable for
Jivan Utsav 10% annual income or regular income
Full refund of TROP premium Very low savings + life cover required


ULIP/linked plan Market-dependent Willing to take medium-high risk

🎯 Advice
Identify your objective – Are you after steady income or long-term growth?

Risk awareness – You need to understand the impact of market fluctuations on ULIP.

Tax and loan benefits – Most insurance plans offer 80C tax deduction and loan facilities.

Discussion with a financial advisor – Choose the right policy as per your personal situation.

 Conclusion
These special plans of LIC – like “Jeevan Utsav”, TROP term plan or ULIP/profit-linked policy – ​​can be good options

 

considering your needs and risk tolerance. Want a guaranteed 10% return? Then Jeevan Utsav plan is great. Want cover with full refund of premium? TROP is your choice. And for long-term growth, investing in unit-linked plans is a wise move.

 

It is very important to consult LIC’s official information or your financial advisor before taking any decision. Happy investing! 

Authorized LIC agent Kolkata
Authorized LIC agent Kolkata
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]]> http://vinodjaiswal.in/authorized-lic-agent-kolkata/feed/ 0 Latest updates on LIC (Life Insurance Corporation of India) http://vinodjaiswal.in/latest-updates-on-lic-no/ http://vinodjaiswal.in/latest-updates-on-lic-no/#respond Mon, 30 Jun 2025 01:32:54 +0000 https://vinodjaiswal.in/?p=2841

Let us see in a glance on the Latest updates on LIC

LIC’s net worth rose 38 percent to Rs 19,000 crore in the quarter ended March 2025, up from Rs 13,773 crore a year ago. It has recommended a final dividend of Rs 12. Its record date 25 th July, 2025

LIC’s share price rose about 4% in the industry quarter-on-quarter, even as new business inflows and APE annual premium equivalents fell about 9 percent.

The government has appointed Dinesh Pant and Ratnakar Patnaik as the managing director and a director from 2025 in preparation for the upcoming executive retirement.

The FSIB has recommended the current MD and CEO of MD R. Doraiswamy as the next CEO and MD, pending government approval, an important step in the continuity of its leadership.

171 people were injured and killed in the Air India crash in Ahmedabad on June 12. LIC has simplified the claim settlement process and has set up an address at the Civil Hospital. It has promised to provide timely assistance.

LIC joins insurance companies in requesting RBI to reconsider 14-year limit on state bonds in favour of long-termism for better liability matching

April 2025 industry-wide new business premiers grew by 11 percent in May LIC Risk contributed Rs 18,405 crore

On 20th January 2025, LIC agents achieved a Guinness World Record by selling an impressive approximately 588,107 policies in a single day, a testament to LIC’s vast agent network.

For More latest updates On LIC keep in touch with Vinod Jaiswal Investment Hub and you will find your best result 

LIC simplifies policy settlement process for families of Air India plane crash victims

The Life Insurance Corporation of India on Friday announced various concessions to ease the financial hardship of the families of those who died in the Ahmedabad Air India Flight Al 171 plane crash on June 12, 2025. In a press release,

LIC said that passengers who lost their lives in the accident.

To provide financial relief to policyholders who have expressed their condolences to the school members and families of those killed in the accident, LIC has said it will expedite the process of death claims and relax some of the conditions normally required for settlement.

As per announcement, in lieu of death certificate, LIC will carry any government record confirming the death of the policyholder or proof of compensation paid by the Central or State Government or Air India authorities.

The insurance company has assured that all efforts will be made to quickly contact the families of the policyholders and pay their dues as soon as possible. In case of need of assistance and claimants can contact their nearest LIC branch or customer area.

Additionally, a helpline, 022 68276827, has been set up to provide support and information.

Latest updates on LIC
LIC agents in kolkata
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]]> http://vinodjaiswal.in/latest-updates-on-lic-no/feed/ 0 Changes In Income tax return 2025 http://vinodjaiswal.in/changes-in-income-tax-return-2025/ http://vinodjaiswal.in/changes-in-income-tax-return-2025/#respond Thu, 17 Apr 2025 13:47:41 +0000 https://vinodjaiswal.in/?p=2751

Big change in filing income tax return, new income tax slab will remain in auto mode 

Income Tax Return 2025 ::

Now with the change in the financial year, the process of filing income tax returns has also changed. From the financial year 2025-26, the new tax system has been implemented in default mode.

While filing Income Tax Return (ITR), now the taxpayer will get to see the new income tax regime in default mode.

Option to choose tax regime ::

If a taxpayer has to pay income tax on the basis of old income tax regime, then he will have to change it and start paying income tax under the old scheme. In this, taxpayers will have the option to choose the tax regime.

Those who feel that the old slab is beneficial for them can use the old slab system. CA Ashish Rohatgi and CA Rashmi Gupta said that eligible persons without any business income will have the option to choose the regime for each year.

So they can choose the old tax regime in one financial year and the new tax regime in the other year.

You can file ITR under the new regime ::

He said that if an employer has deducted TDS for his employee under the old system, the employee can file ITR under the new regime if he wants.

He said that other things have also changed from April 1.

Changes from April 1 ::

Under this, new check verification rules have been implemented to prevent banking fraud. Apart from this, for check payments of more than five thousand rupees, now the check number, date, beneficiary’s name and amount will have to be verified.

Also, new features are being added to the Rupay debit card. It will also provide facilities like access to airport lounges, insurance etc. Apart from this, the limit of free transactions from ATM will now be only three times.

Rules are also being implemented regarding the minimum balance limit. The maximum limit of TDS deduction for senior citizens has also been increased to Rs 1 lakh. This amount was earlier Rs 50 thousand.

In the new tax regime
There will be no tax payable up to Rs 12 lakh. Also, the time limit for filing updated tax returns will increase from 24 months to 48 months. Along with this, the limit of TDS deduction on rent income for house owners has been increased to six lakh rupees per annum.

Earlier it was two lakh forty thousand rupees per annum. TCS (Tax Collected at Source) will be applicable on foreign transactions of more than 10 lakh rupees. Earlier this limit was seven lakh rupees.

Long term capital gain limit will increase ::

CA Ashish Rohatgi and CA Rashmi Gupta said that as per the Income Tax amendment, from April 1, TDS deduction on dividend income will now be Rs 10,000 per year. Earlier it was five thousand rupees. Along with this, while making changes in capital gains, the limit of long term capital gain exemption has been increased to Rs. 1.25 lakh. Partnership firms will now have to compulsorily deduct TDS on salary and capital inflow to their partners. Earlier this was not applicable.

]]> http://vinodjaiswal.in/changes-in-income-tax-return-2025/feed/ 0 LIC Ranked World’s 3rd Strongest Insurance Brand http://vinodjaiswal.in/lic-ranked-worlds-3rd-strongest-insurance-brand/ http://vinodjaiswal.in/lic-ranked-worlds-3rd-strongest-insurance-brand/#respond Mon, 10 Mar 2025 09:11:26 +0000 https://vinodjaiswal.in/?p=2718

Life Insurance Corporation of India (LIC) has been ranked the third strongest insurance brand globally, with a Brand Strength Index (BSI) score of 88 out of 100, according to the Brand Finance Insurance 100 (2025) report. Poland-based PZU topped the rankings with a BSI score of 94.4, followed by China Life Insurance in second place with 93.5. LIC also holds the 12th position in brand value among global insurers, while SBI Life ranks 76th, making them the only two Indian insurers in the top 100.

Key Highlights

LIC’s Global Ranking

 

  • Ranked 3rd strongest insurance brand globally.
  • Achieved a BSI score of 88/100.
  • Holds the 12th position in brand value worldwide.
  • SBI Life is the only other Indian insurer in the top 100, ranking 76th.

 

Global Insurance Market Trends

 

  • The top 100 insurance brands grew by 9% in brand value in 2025.
  • Growth driven by higher investment income, rising interest rates, and increased profitability.
  • Market capitalization rose due to increasing demand for insurance products.
  • Economic recovery, strategic mergers, acquisitions, and tech advancements accelerated industry growth.

 

LIC’s Financial Performance

 

  • Standalone net profit rose 17% YoY in the December quarter to ₹11,056.47 crore (from ₹9,444.42 crore).
  • Consolidated net profit increased 16% YoY to ₹11,000 crore.
  • Management expenses decreased, with employee compensation and welfare costs dropping 30%.
  • Expense ratio reduced by 231 basis points (bps) to 12.97% from 15.28%.
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