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theinsuranceus.com is a Personal Informational Blog and it is not website of any Government or Non Government Insurance Companies.
All the information on this website is published in good faith and for general information purpose only. theinsuranceus.com does not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information you find on this website (theinsuranceus.com), is strictly at your own risk. theinsuranceus.com will not be liable for any losses and/or damages in connection with the use of our website.
From our website, you can visit other websites by following hyperlinks to such external sites. While we strive to provide only quality links to useful and ethical websites, we have no control over the content and nature of these sites. These links to other websites do not imply a recommendation for all the content found on these sites. Site owners and content may change without notice and may occur before we have the opportunity to remove a link which may have gone ‘bad’.
Please be also aware that when you leave our website, other sites may have different privacy policies and terms which are beyond our control. Please be sure to check the Privacy Policies of these sites as well as their “Terms of Service” before engaging in any business or uploading any information.
Terms of Service
This website (theinsuranceus.com) is not an official website, however it is maintained with objective to educate people about insurance and help them to find suitable plans and in pursuance of these objectives, plan details & benefits illustration, premium calculators and maturity calculators, informative articles are published.
Illustration of Plans
Various plans have been explained with their parameters, eligibility criteria, maturity benefit, risk cover and other aspects of respective plans. Plans are also explained with the help of examples and benefit illustrations are generated to explain the plans in more practical way. The benefit like maturity and death claims are based on previous year bonus rates and may change in the future.
These are based on tabular premium of LIC plans. Utmost care has been taken in calculating premiums but may vary with exact premiums charged by LIC. Premium Calculators also provide premium and applicable service tax as per prevailing rates.
The main purpose of publishing maturity calculators is to give an idea about benefits like what would be approx. maturity and year- wise death claim etc. As the final & exact maturity and death claim amounts in bonus based plans can only be calculated at the time of maturity and death as the case may be. Maturity calculators use bonus rates for the years whose bonus have been declared and previous bonus for those years whose bonus is not declared, so actual amount may differ from maturity calculators’ results.
Insurance planners are published to help customer to pursue their insurance planning as per their proposed premium and term. Insurance Planners are combination of Premium and Maturity calculators.
Selling of Insurance Policies
This website does not sell policies online, however, we sell polices as per the LIC norms, which involves visit of a Licensed & authorized personnel to potential customers, explanation of plan details, answering all their queries and collection of documents in case the customer is ready to purchase.
Comments & Replies
Comments and reviews from various users are received and published in good faith to help people know various queries and reviews. Replies to various queries tendered are general information and published in good faith. Though replies are given with utmost sincerity and care, but we do not take guarantee about its correctness and completeness.
By using this website, you hereby consent to website’s disclaimer and Terms of Service and agree to its terms.