Life Insurance Corporation of India (LIC) is not only the number one Life Insurance Company in India but it has also updated itself with time and has constantly strived towards providing high-level services to its customers. This is the reason why in today's digital age, LIC of India has started many great services for the customers using online mediums to make its services more accessible and convenient.

With its inception, the corporation has made offline services of high quality to its customers and now it is providing convenience to all its customers by updating itself through online services. When it comes to facilities, today every person wishes to get various types of information on his mobile. Therefore, keeping in mind the needs of the customers, the corporation has started such a service so that the customer can get a lot of important information related to his Life Insurance Policy on his mobile itself.

In today's time, updating the mobile number for LIC policies is not only necessary but by doing so you get many important benefits. In today's article, we will know in detail what is the process of updating mobile number in LIC Policies, what benefits will you get by doing this and how you can complete this task.

Benefits of Updating Mobile Number in Policy

Updating mobile number in LIC policies has many benefits, some of them are as follows:

• Receiving Important Information: If you have updated your mobile number in your Life Insurance Policy, then LIC can send you many important information related to your Life Insurance Policy such as Premium Due Reminder, alert before Policy Maturity, alert before Money Back Due in Money Back Policies and other information through SMS.

• Monitoring Policy Status: If your mobile number is updated in your policy, then you can get the status of your policy, information about the revival amount in lapsed policies, information about the Loan Value of the policy and many other important information on the mobile itself.

• Full Benefit of Digital Services: If you want to take advantage of all the Online Services of LIC, then for this it is necessary to update your mobile number and your email ID in your Life Insurance Policy.

• Convenience in Customer Service: Many times you may need to contact LIC's customer care for various reasons and problems. In such a situation, if your mobile number is registered in your life insurance policy, then the customer service officer can easily verify your identity. This makes the process fast and easy.

Process to Update Mobile Number in Policies

LIC has provided its customers with many options to update their Mobile Number in their Life Insurance Policies. If you are a LIC customer, you can update your mobile number in your Life Insurance Policy by choosing any of these options as per your convenience.

Offline Process: By Visiting the Branch Office

LIC has created an offline option to update the mobile number for those of its customers who do not have much knowledge about digital means. In this option, the customer has to go to the Nearest Branch Office of LIC and by going there he can get his mobile number registered in his Life Insurance Policy.

Let us understand what you have to do if you want to choose the offline option to register your mobile number in your Life Insurance Policy:

• Locate the Nearest Branch Office: To update the mobile number in LIC Policy through offline mode, you should first locate your nearest branch office. You can get information about your nearest branch office by using [licBranchLocatorEn-name].

• Get the Required Forms: Upon reaching the LIC branch office, you should approach the policy servicing department of the branch office and talk to the Assistant Administrative Officer (AAO) of LIC. Now you should get the required form to update mobile number and email ID in the policies.

• Fill the Form: Once you get the relevant form, fill in the required information with accuracy and care. In this, you have to provide details like Policy Number of your Life Insurance Policy, Name, Mobile Number, Email ID.

• Submit the Documents: Once your form is completely filled, the form should be submitted to the dispatch department along with the photocopy of the Policy Receipt, Photocopy of Identity Proof (either one of Aadhaar card, driving license, etc.) together.

• Keep the Receipt Safe: When you submit the form in the dispatch department of LIC, you must get the receipt from the concerned officer. You should keep this receipt safe until your mobile number is registered.

Note: Normally this work is completed within two to seven working days. Once the registration process is completed, you get a confirmation message on your mobile. If you do not receive a confirmation message on your mobile within a maximum of seven days, then our suggestion for you would be to contact the same branch office once again with the receipt.

Online Process: From website and Mobile Application

As I have already told you that LIC has made many updates keeping in mind the convenience of its customers. This update process includes online services of LIC. But an important information here is that till June 13, 2023, LIC had given the option to register mobile number and email ID in life insurance policies but since then this service has been discontinued.

This means that if your mobile number is not registered in your Life Insurance Policy, then now you cannot register the mobile number in your policy using online means. I am also presenting its solution in a short while.

But if your Mobile Number and Email ID are already registered for your Life Insurance Policies, then you can definitely update it. So let's first understand that if your mobile number is already registered in your policy, then how can you update it:

Update Mobile Number in policy through online method

• Open the Official Website of LIC: To update the mobile number through online method, first of all you have to go to the official website of LIC www.licindia.in. So first of all open this website in your device.

• Login to the Customer Portal: Once you open the official website of LIC, you should click on the Login Button of LIC. As soon as you do this, you need a login ID and password to login.

  If you do not have a login ID and password, then first of all you will have to register. Only after this you will be able to update your mobile number and email ID.

• Update Profile: After logging in, you will get the option of Profile Management or Personal Information section. You should click on this option.

• Update Mobile Number and Email: Now you should enter your new mobile number and email ID and click on the button to verify.

• OTP Verification: After completing the above process, you will receive a One Time Password (OTP) on your mobile and email ID. Enter it and complete the process.

Register Mobile Number Without Visiting Branch Office:

If your Mobile Number is not registered in your policy, then it is not possible to complete this process through online method at present. But if for some reason you are unable to reach the branch office, then I will tell you another option with the help of which you can update your mobile number in your policy sitting at home. Let's understand how you can do this work

• Download the form: To complete this task, you will need a form. This form is called LIC's Contact Detail Form. You can download this form by clicking on the button given below.

  [licMobEmailUpdateForm-name] 58.7 KB

  licMobEmailUpdateForm-url

• Fill the Form Carefully: Once you download this form, get it printed and then fill this form carefully and accurately. While filling this form, you have to write the Name of your Branch Office, Policy Numbers of Your All policies, Mobile Number, your PIN Code, Email ID and your name mentioned in the policy. Enter all this information as per your respective policies and sign the form the same way you did while buying the Insurance Policy.

• Collect the Documents: Once your form is completely filled, arrange this form along with your Aadhar card photostat copy and photocopy of receipt of each policy together and take clear photos of all the documents. After this, attach all the documents and keep them in an envelope.

• Find the Address of LIC Branch Office: Now when you have arranged all the documents, you have to find out the full address and email ID of your Home Branch (the Branch Office of LIC from where you have bought the policy). So that you can write the address of the Home Branch of LIC on the envelope and send the email.

  Keeping in mind your convenience, the link of the Branch Office of LIC is being shared. You can search the Branch Office of LIC by clicking on this link and get the full address and email ID of any branch office of LIC. To know about the branch office of LIC, click on the button given below.

  [licBranchLocatorEn-name] »

• Post the Documents to the Branch Office: Now that you know the Postal Address of the Home Branch of LIC, write the Postal Address of the Home Branch of LIC and your full address on the envelope and send all the documents through post office or courier.

• Email the Documents to the Branch Office: After sending all the documents through post office or courier, take a photo of the receipt received from there and attach all the documents in the email and send it to the email ID of the home branch of LIC.

Note: After doing this, within seven to fifteen days your Mobile Number and your Email ID will be registered with your Life Insurance Policy and you will receive a confirmation message on your mobile and email ID. If this does not happen, then our suggestion for you would be that you must talk to the contact number of the home branch of LIC. You will get the contact number through the search button given above.

Take the Help of LIC Customer Care Officer

You can take the help of LIC customer care officer to register your Mobile Number in your Life Insurance Policy. The number of LIC customer care officer is- [licCallCenter-name].

The customer care officer will ask you for some important information about your policies and your context and if he is satisfied then he can register your mobile number in your policies.

Note: It is my personal opinion that registering mobile number in policies through customer care officer is not very safe. Because someone will ask you for your personal information. So I would suggest you to use one of the other two options.

Important Tips

• Provide Correct Information: For mobile number and email registration for LIC policies, you should provide all the information correctly with clarity. If you apply for mobile number registration through any medium, then make sure that your number is registered in your life insurance policy.

  In some cases, due to the mistake of the staff, if the wrong number is registered in the policy, then it can cause a big problem for you in future. So take special care of this matter.

• Verify Documents: If you are applying offline to register mobile number in your insurance policies, then self-attest all the related documents.

• Update on Time: If you have previously registered your mobile number in your life insurance policies and later your number changes, then as soon as possible, get your new mobile number updated in your LIC policies.

Conclusion

Updating mobile number and email ID in LIC policy is important for every customer. This not only helps you get the information you need on time, but also helps you make the most of digital services. We have explained the process in detail, both online and offline, in this article.

If you have any questions about the process, you can visit Jeevan Bima Bazaar for more information.

Know in Detail in the Video

To know more about the information given in this article, watch the video given below carefully till the end. If you have any questions in this regard, then write your questions in the comment box of the video.

India’s number one Life Insurance Company known as Life Insurance Corporation of India introduced the Rural Career Agent Scheme in 1979. Later, when the Insurance Regulatory and Development Authority (IRDA) was established in 1999, the scheme underwent several changes.

In today's post of Jeevan Bima Bazaar, an attempt is being made to present complete information about Rural Career Agent. This information is basically being presented keeping in mind the current situation. Before giving information for Rural Career Agent, the author has studied all the circulars of LIC available in this context and after that decided to present this post.

If you are a Development Officer or Chief Life Insurance Advisor (CLIA) in Life Insurance Corporation of India. So this post will prove to be very useful for you. If you want to start working as an agent in Life Insurance Corporation of India and you are a resident of rural area. In such a situation, this post will also prove to be very useful for you. If you take LIC agency according to this rule. Then there are some other benefits that are available to normal agents in addition to the benefits they get. You will also be eligible for that.

If you are a development officer or CLIA of LIC. So at the end of this post, LIC circular and some other documents are being shared to give you information related to "Rural Career Agent". You can download it and use it to improve your business.

Age, Qualification and RCA Recruitment Conditions

To become an RCA Agent in Life Insurance Corporation of India, it is mandatory to follow IRDA Regulations 2000. IRDA may amend it from time to time.

If a person wants to work as an RCA Agent in LIC. Then it will be mandatory for that person to undergo training and then pass the examinations issued by IRDA.

Age Limit:

• Minimum Age- 18 years

• Maximum Age- 35 years (40 years for SC/ST candidates)

Educational Qualification

The minimum educational qualification required to become a Rural Career Agent is 10th pass.

Residence Certificate

To become a Rural Career Agent in LIC, the candidate must be a rural resident. For this, the candidate has to submit his permanent residence certificate.

Definition of Rural Area

Rural Career Agents are selected from rural areas. In such a situation, it is important for us to know what is considered a rural area according to Life Insurance Corporation of India?

Life Insurance Corporation of India follows the rules of IRDA for this. IRDA has defined rural areas in the following manner. According to the rules of IRDA, rural area means those places which have not been classified as urban areas while conducting the census of India.

In the 2008 census of India, urban areas have been defined with a special definition. Which is as follows

1. All statutory places along with Nagar Palika, Corporation, Cantonment Board or Notified Town Area Committee, etc.

2. If there is a place which fulfills the following three criteria, it will be called an urban area -

   • A place which has a minimum population of 5000.

   • A place in which at least 75% of the male population earns their income from some work other than agriculture.

   • A place having a population density of at least 400 per sq. km.

Any area which does not fulfil the criteria mentioned above. All such areas are considered as rural areas as per IRDA norms and a person residing in such rural area can apply for Rural Career Agent in Life Insurance Corporation of India.

Selection and Training Process for Rural Career Agent

LIC has made a provision to train the candidate applying for Rural Career Agent as per the rules of IRDA. Any person can apply to become a Rural Career Agent in LIC only if he fulfills the following conditions.

• He should be an individual i.e. no institution or group can apply for Rural Career Agent in LIC. Any person can apply for Rural Career Agent in LIC.

• If a person who is eligible for appointment as a general agent as per IRDA rules. That person can apply for Rural Career Agent in Life Insurance Corporation of India.

• A person who is able to give his time and attention as an agent of the corporation can apply for Rural Career Agent of LIC.

• A person who is not engaged in any other business or if that person is doing any other business from which he is not getting sufficient income. That person can apply for Rural Career Agent in LIC.

• A person who is a resident of rural area. He can apply for Rural Career Agent in LIC provided he has to submit the proof of his residence.

Benefits to Rural Career Agent

If after becoming an agent in LIC, that Rural Career Agent works according to the terms and conditions of the Corporation, then he is given a stipend by the Corporation.

Currently, if a Rural Career Agent fulfills the terms and conditions of LIC, then the Corporation gives him a stipend for the first 2 years. A Rural Career Agent is given a stipend of ₹5000 per month in the first year of his agency. In the second year, a stipend of ₹4000 per month is given.

Minimum Monthly Target to Receive Stipend

The performance of the selected Rural Career Agent will be reviewed every month to ensure whether he is eligible to receive the Rural Career Agent stipend or not. The review of the performance of the Rural Career Agent for stipend starts from the date of his appointment. During this period, the number of policies sold by him (on life basis) and the first year commission (excluding bonus commission) will be counted.

Let us understand the terms and conditions prescribed by Life Insurance Corporation of India for minimum monthly turnover for a Rural Career Agent to receive stipend

Instructions for Rural Career Agent

If you want to apply in LIC to become a Rural Career Agent or you are currently doing life insurance business as a Rural Career Agent, then you have to understand what rules you have to follow to get a fixed monthly stipend-

• If you want to get your stipend on time every month, then you have to complete the target of minimum policy on life basis and first year commission (excluding bonus commission) as per the rules shown in the table above.

• If a Rural Career Agent is unable to complete the minimum policy (on life basis) or first year commission (excluding bonus commission) or both in any month of his agency, then he will not be given the stipend of that month. But this does not mean that his stipend will be lost. If he completes the target of the previous month by doing more business than the target given in the current month in the remaining months of the same agency year, then he will get his outstanding stipend.

• In every case, for calculation of stipend, first of all the policies sold for the current month and commission received from it will be calculated. Only after this, calculation will be done in reverse order.

  For Example- If an agent does not do any new business in the sixth month of his agency, then he will not get stipend for the sixth month of his agency. Now in the seventh month, to get monthly stipend, he will have to sell policies to 3 people and get commission of ₹ 2800.

  Now suppose that that rural career agent sells life insurance policy to 2 people in the seventh month of his agency, from which he gets commission of ₹ 2000, then what will happen?

  If we look at the above example carefully, then in the seventh month that agent has not completed the quota of the seventh month, but he has completed the quota of the sixth month. In such a situation, he will not get stipend for any month. Because it will be mandatory for that agent to complete the quota of the seventh month first. Once the quota of the seventh month is completed, the remaining work for the previous month will be calculated.

• If a Rural Career Agent is unable to complete the quota of any month set by LIC in any month of his agency year, then he can complete the remaining quota by the end of the same agency year and receive the outstanding stipend. If the quota is not completed by the end of the agency year, the outstanding stipend lapses.

• If a Rural Career Agent completes the quota of the entire agency year in the first month of his agency, then he will be eligible for monthly stipend. For example - Suppose a Rural Career Agent sold life insurance policies to 30 people in the first month of his agency, due to which he gets a commission of more than ₹ 24,000. Even if such an agent does not do any work in the remaining months of that agency year, he will continue to receive his stipend every month.

Documents Required for Rural Career Agency

If you are a resident of rural area and want to start insurance business as a Rural Career Agent in LIC, then for this you will have to submit some important certificates. Let us know what documents are required for Rural Career Agent-

• Photo: To apply for Rural Career Agent, you have to submit a recently taken color photo. I have not received any written information regarding how many photos you have to submit. To get accurate information in this regard, you can contact the Development Officer or CLIA of LIC.

• Age Proof: To apply for Rural Career Agent, you have to submit a valid age certificate. Any of the following documents can be submitted for a valid age certificate - Certificate issued by school (high school mark sheet, transfer certificate, etc.), Aadhar Card, PAN Card, Driving License, Passport, etc.

• Residence Proof: To apply for Rural Career Agent, you have to submit a valid residence certificate. For this, any one of the following documents can be submitted- Aadhar Card, Driving License, Passport, Ration Card, Electricity Bill, etc.

• Photo ID Card: To apply for Rural Career Agent, you will have to submit a photo identity card of a valid level. For this, any one of the following documents can be submitted- Aadhar Card, Driving License, Passport, etc.

• Certificate of Educational Qualification: To apply for Rural Career Agent, you will have to submit a certificate of your educational qualification. For this, you will have to submit a certificate issued by your school or college.

How to Apply for Rural Career Agent

To become a Rural Career Agent in LIC, the following steps have to be followed in a sequential manner.

Selection of LIC Branch Office

If you want to start business as a Rural Career Agent in LIC, then for this you will have to choose the nearest branch office.

Advoice: While selecting the branch office, keep in mind that whichever branch office you apply for the agency from, after becoming an agent, you will always work for the same office. Although there is a provision for agency transfer if needed, but it is a very difficult task. Therefore, our suggestion would be that you choose the branch office of LIC very carefully.

If you want to know which Branch Office of LIC is available near you, then keeping your convenience in mind, a link is being given below. You can easily find your nearest branch office by clicking on the button given below.

Whom to Contact

The Development Officer and Chief Life Insurance Advisor (CLIA) have the authority to appoint agents in LIC. So, if you want to start life insurance business as an agent in LIC, then for this you should go to your nearest branch office and contact the concerned Development Officer or CLIA.

Advice: Here also our suggestion for you would be to be very careful while selecting the Development Officer or CLIA. Because once your agency is attached to any Development Officer or CLIA, as long as you continue doing life insurance agency business, you will have to do insurance business with the same Development Officer or CLIA.

Keeping your convenience in mind, we are updating the list of LIC's Development Officers and CLIA on our website. You can contact your nearest Development Officer or CLIA by clicking on the link given below.

Complete the Application Form

Once you contact the LIC Development Officer or CLIA, you have to fill the application form for appointment as a rural career agent. After filling the form completely, all the necessary documents like photo, photocopy of photo identity card, photocopy of residence certificate, photocopy of age certificate and photocopy of educational qualification certificate have to be submitted to the Development Officer or CLIA.

Have to Join the Training

Before joining LIC, it is very important for you to know about the corporation. For this, the corporation organizes training programs from time to time. For this, you have to deposit a fee of ₹ 250 in the branch office of LIC. After this, before starting insurance business as a rural career agent in LIC, it will be mandatory for you to join a 100-hour training program. After completing the application form and depositing a fee of ₹ 250, you should get information about this training from your development officer or CLIA.

Passing IRDA Exams

Once you complete the training program of LIC, you will have to pass the exams released by IRDA. You will get complete information about appearing in the exams released by IRDA from your Development Officer or CLIA.

Once you pass the exams released by IRDA, IRDA issues a unique code for you, this code issued by IRDA is your license which allows you to do insurance business as a life insurance agent anywhere in India.

Passing the Interview

When you pass the exams released by IRDA, you have to appear for an interview, which is usually held in your branch office and you get information about it from your Development Officer or CLIA. You have to pass this interview.

Allotment of Agency Code

Now when you clear the LIC interview, once again you have to submit your photo, photo identity card, age certificate, residence certificate, educational qualification certificate, certificate of passing the examination issued by IRDA.

Apart from these documents, you have to submit a photocopy of your bank passbook or a cancelled cheque and a photocopy of PAN card. So that your commission, stipend and all other payments can be given to you in your bank account. Along with this, you also have to submit the NEFT form, you get this form from the branch office of LIC.

Once you submit all these documents, the concerned branch office of LIC issues a unique code for you. This unique code is your identity in LIC which is called agency code.

PDF File for Rural Career Agent

If you are a Development Officer or CLIA Agent in LIC and you are looking for a presentation file to become a Rural Career Agent. So we are providing this file for you. Along with this, two circulars of LIC for Rural Career Agent are also being shared with you.

You can download these files by clicking on the link button given below. These files are saved in zip format. Once these files are downloaded, the received file has to be extracted, after extracting you will be able to use these files.

If you are a mobile user, then you can use a free application named zarchiver to extract the files and if you are using a laptop or desktop, then you can use a free software named 7zip for this work.

Know in Detail in the Video

To know more about the information given in this article, watch the video given below carefully till the end. If you have any questions in this regard, then write your questions in the comment box of the video.

When you buy or sell any LIC Policy, you have to fill the LIC Proposal Form. Which form will be used in buying and selling Insurance Policy depends on many things. Life Insurance Corporation of India (LIC) has made different types of Proposal Forms for people of different age groups. So, while buying or selling any LIC Policy, first of all you have to know which form will be filled for the Proposed Life?

Often people have many questions in their mind regarding LIC's Proposal Form, on not getting the right answer, they make mistakes while filling the form. As a result of which they have to face trouble later. Therefore, in this article of Jeevan Bima Bazaar, we are trying to answer some of your such important questions. I hope that my effort will prove beneficial for you.

If you are a Life Insurance Agent and you are thinking of improving your Insurance Business by using Digital Means, then you must have many such questions in your mind for which you must be constantly looking for answers.

So in this article of Jeevan Bima Bazaar, we are including many such important questions of yours which are related to the use of Digital Resources for Insurance Business. We will try to give the best answers to your questions. Our aim is to help you make your Life Insurance Business more effective and productive through our answers and various solutions.

We not only hope, but have full faith that our efforts will prove to be helpful in establishing better connection with your customers and improving Life Insurance Sales. Because in this digital era, the right use of new technology can take your business to new heights.