Practical guides on insurance, tax planning, and wealth protection - written by Ajay Kumar Poddar.
Showing 13–24 of 35 published articles
Learn how to calculate your LIC premium online for any plan. Age, sum assured, term - step by step guide with examples for Jeevan Anand, Jeevan Labh, and more.
LIC allows you to borrow up to 90% of surrender value as a loan. No credit check, low interest rate, flexible repayment. Complete guide with examples.
Many policyholders confuse nomination and assignment in LIC. Learn the legal difference, when to use assignment (loan, gifting), and why nomination alone may not be enough.
IRDAI introduced significant changes in 2025-26: new surrender value rules, faster claim settlement mandates, and digital-first policy issuance. Here's what affects you.
Government pensioners must submit a Life Certificate every November. Missing it stops your pension. Here's the complete guide to submitting it online using Jeevan Pramaan.
Bima Sugam is IRDAI's unified insurance portal that will let you buy, manage, and claim all your insurance policies in one place. Here's what's live in 2026.
हाँ, LIC प्रीमियम पर टैक्स छूट मिलती है, लेकिन सभी प्रीमियम पर नहीं और हर स्थिति में नहीं। नई और पुरानी टैक्स व्यवस्था में क्या फर्क है, यहाँ जानें।
LIC एजेंट बनने में 3 से 4 हफ्ते लगते हैं। कमाई असीमित है। 31 साल के एजेंट के रूप में मैं आपको पूरी सच्चाई बताता हूं, फायदे और मुश्किलें दोनों।
LIC पॉलिसी बॉन्ड खोने पर घबराने की जरूरत नहीं। डुप्लीकेट बॉन्ड मिलता है, और यह प्रक्रिया सरल है। पूरी जानकारी यहाँ है।
The most common mistake I see is either too little cover (underinsured) or paying for too much (overinsured). Here is the simple calculation I do for every client to find the right cover amount.
Your LIC nominee is who gets the claim payout. If your life situation has changed, your nominee should change too. Here's the exact process.
Sum Assured is the core promise of any life insurance policy. It's the amount your family receives if you pass away. Here's how to pick the right number for your situation.
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