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Sunday, May 8, 2016

Life Insurance in India

 

Life insurance in India made its debut well over 100 years ago. 

In our country, which is one of the most populated in the world, the prominence of insurance is not as widely understood, as it ought to be. What follows is an attempt to acquaint readers with some of the concepts of life insurance, with special reference to LIC. 

It should, however, be clearly understood that the following content is by no means an exhaustive description of the terms and conditions of an LIC policy or its benefits or privileges. 

For more details, please contact our branch or divisional office. Any LIC Agent will be glad to help you choose the life insurance plan to meet your needs and render policy servicing. 

What Is Life Insurance? 

For more details, please contact our branch or divisional office. Any LIC Agent will be glad to help you choose the life insurance plan to meet your needs and render policy servicing. 

Life insurance, in short, is concerned with two hazards that stand across the life-path of every person:

  • That of dying prematurely leaving a dependent family to fend for itself.
  • That of living till old age without visible means of support.

With Profit And Without Profit Plans 

An insurance policy can be with or without profit. In the former, bonuses disclosed, if any, after periodical valuations are allotted to the policy and are payable along with the contracted amount. 

In without profit plan the contracted amount is paid without any addition. The premium rate charged for a with profit policy is therefore higher than for a without profit policy.

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