04 January 2025

Steps Required to Update Mobile Number in LIC Policy

Steps Required to Update Mobile Number in LIC Policy



हिन्दी में पढ़ें »

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
    • 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.

    • 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.

    video will be available soon

    29 December 2024

    How to Become a LIC Rural Career Agent

    How to Become a LIC Rural Career Agent



    हिन्दी में पढ़ें »

    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

      MonthNumber of LivesMonthly Commission
      (Excluding Bonus Commission)
      12₹1200/-
      22₹1200/-
      32₹1200/-
      42₹1200/-
      52₹1200/-
      62₹1200/-
      73₹2800/-
      83₹2800/-
      93₹2800/-
      103₹2800/-
      113₹2800/-
      123₹2800/-
      Total30₹24,000/-

      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.

      File for Rural Career Agent 722 KB

      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.

      video will be available soon

      23 December 2024

      Common Questions About LIC Proposal Forms

      Common Questions About LIC Proposal Forms



      हिन्दी में पढ़ें »

      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.

      Question and Answer for LIC Proposal Form

      What is LIC Agent Confidential Report Form Number?

      The form number of LIC Agent Confidential Report is 380/3251 and it is used while filling the Proposal Form of New Business in LIC. This form is to be filled by the Agent of LIC.

      Why is it Important for LIC Agents to know about Agent Confidential Report?

      Even if your Development Officer or Chief Life Insurance Advisor (CLIA) has explained the process of filling the 'Agent Confidential Report' to you, you may face some difficulties while filling this form in future. At the beginning of your Agency Career, you may find it inconvenient to visit your Development Officer or CLIA again and again for the same work.

      This is why this information is very important for New LIC Agents. The information given here will always be available to you, so that you can benefit from it whenever you need it.

      Why is the Information of Agent Confidential Report useful for experienced LIC Agent?

      If you are an experienced LIC Agent, you may have many tasks related to New Business and old Policy Services, due to which you may feel short of time. In such a situation, many experienced agents hire associates to help them in their work. Every time you appoint new associates, it can be challenging for you to train them to fill the Agent Confidential Report.

      If you are a Chief Life Insurance Advisor (CLIA) or work as a Development Officer in Life Insurance Corporation of India, then you also have to give information to your New Agents about filling the Agent Confidential Report.

      Now suppose you train your New Agent or Associate to fill the Agent Confidential Report, then is it not possible that they do not get confused while filling this Report Again? In such a situation, our articles can prove to be very useful for training your Associates or New Agents. You can share the link of my article to inform them about the correct way to fill ACR, which will also save your valuable time.

      What is the short form of LIC's Agent Confidential Report?

      LIC's Agent Confidential Report is abbreviated as ACR.

      What is ACR Form in LIC of India?

      ACR form in LIC means "Agent Confidential Report". When an LIC Agent sells a New Insurance Policy, he has to fill this form. With the help of this form, the LIC agent provides confidential information about the Life Proposed for Insurance to the Corporation.

      In Life Insurance Corporation of India, this form is very important for every sale by the Life Insurance Agent. Because the corporation decides to issue a Life Insurance Policy based on the confidential information presented in this form. Therefore, this form is called Agent Confidential Report or ACR.

      Who fills the LIC Agent Confidential Report?

      Agent Confidential Report to be filled by Agent of Life Insurance Corporation of India.

      Why is it Necessary to file Agent Confidential Report (ACR)?

      LIC knows its customers through its Agents and agents play a vital role in this process. When an Agent proposes Insurance for an Individual, LIC uses the 'Agent Confidential Report' (ACR) to obtain confidential information about that individual. This information helps LIC to decide whether it is appropriate to sell a Policy to the proposed individual or not.

      The ACR form is important because through this the agent provides important and confidential information about the customer to the Corporation, which helps in assessing the risk and taking policy issuance decisions.

      What happens if LIC Agent fills wrong information in ACR?

      If LIC agent enters wrong information in 'Agent Confidential Report' (ACR) and a policy is sold on that basis, it can have serious consequences in case of any claim in future. In such a case, the agency of the agent can be cancelled, and in special circumstances, LIC can also recover the loss from the agent.

      How to download Agent Confidential Report?

      Our website provides information related to Jeevan Bima Bazaar, LIC of India and other Life Insurance Industry and provides useful resources for Life Insurance Agents. We have given detailed information about filling LIC's Agent Confidential Report in one of our articles. The option to download the form is given in that article.

      You can not only download the Agent Confidential Report from that article but can also download its sample file.

      What is Form No. 360 in LIC?

      There are forms to be filled while buying a Life Insurance Policy from the Life Insurance Corporation of India (LIC). When a form is filled to buy a New Life Insurance Policy, such a form is called a Proposal Form. There are many types of Proposal Forms to buy a Life Insurance Policy from LIC of India. One of the Proposal Forms used to give the benefit of Life Insurance Policy to a life below 18 years of age is Form No. 360.

      This is an important Form to Propose Life Insurance for a minor. Through this form, LIC asks for various types of information about the Proposed Life and the Proposer. So that, LIC can be facilitated in evaluating the risk and eligibility of the minor for insurance coverage. LIC's Form No. 360 includes details related to the Personal Information, Health Declarations and Financial Status of the Proposed Life and the Proposer.

      When is LIC Form Number 360 Used?

      LIC Form No. 360 is used especially when a Life Insurance Cover is to be provided to a Person who is below 18 years of age. In other words, LIC Form No. 360 is filled when a Life Insurance Policy is to be purchased on the life of a minor from the Life Insurance Corporation of India.

      Although this form is to be filled at the time of purchasing the policy, it can be used anytime during the entire Policy Term. Since the Life Insurance Policy is issued based on the information and declarations given in this form, the corporation can use this form whenever a claim arises in the issued Insurance Policy.

      For which Age Group is LIC Form No. 360 used?

      LIC Form No. 360 is specifically used for proposing Life Insurance Policies for children between the ages of zero and 18 years. This form is filled by the parent or legal guardian of the minor child.

      Where to Get LIC Form No. 360?

      LIC Form No. 360 can be obtained from any branch office of LIC. This LIC Form is useful for those who want to buy a Life Insurance Policy from Life Insurance Corporation of India (LIC) for their minor children.

      This Life Insurance Corporation of India form can also be downloaded through some reliable websites. Keeping your convenience in mind, we have given detailed information about How to Fill LIC Form No. 360 in an article. You can also download this form from that article.

      Thus, you can obtain this form by using the official website of LIC, Branch Office, or reliable online Resources.

      How can a Customer Get LIC Form No. 360?

      If a customer wants to buy a policy of Life Insurance Corporation of India (LIC) on the life of his minor child, then he needs LIC's Form No. 360. But, the corporation does not give this form directly to the customers. The work of selling Life Insurance Policy in LIC is mainly done by Agents, Development Officers and Chief Life Insurance Advisors (CLIA), so LIC gives this form to its Agents, Development Officers and CLIA only.

      If you want to buy a Life Insurance Policy from LIC, then you have to contact a LIC Agent. So if you want to get this form of LIC, then you can get it from any LIC Agent. By the way, we have told in one of our articles How to fill LIC Form Number 360. You can also download this form from that article of ours.

      How much does LIC Form No. 360 cost?

      LIC Form No. 360 is not available for purchase and sale. LIC provides this form to its Agents, Development Officers free of cost. So you do not need to pay any amount to get the form.

      Who should fill LIC Form No. 360?

      LIC Form No. 360 is used especially when buying an Insurance Policy on the Life of Minor Children. This form should be filled by the person who is proposing the Policy. In simple words, this form should be filled by the person who will pay the premium of the Proposed Policy. Such a person is called the Proposer in the child's Life Insurance Policy.

      However, according to the rules, any Proposal Form of LIC should be filled by the Proposer only. But in practice it is often seen that most of the Proposal Forms are filled by the Agents of Life Insurance Corporation of India. Our suggestion to you would be that while buying any Policy of LIC, the Proposal Form should be filled by the Proposer or any of his close relatives.

      Who is the Proposer in LIC Form No 360?

      As per Indian laws, a minor below the age of 18 cannot take important decisions for his life. Children of this age can do their own studies, sports and other activities. As per Indian laws, important decisions related to a child's life can be taken by their parents or legal guardians.

      So, the decision to buy a Life Insurance Policy for a minor child can be taken by his parents or legal guardians. In the Life Insurance Industry, the person who proposes to buy a Life Insurance Policy is called a Proposer, so in LIC's Form No. 360, the parents of the minor child or his legal guardian can be the proposer.

      Can an Unknown Person be a Child Proposer in LIC Policy?

      Insurable Interest is a must for Life Insurance Policies. In simple terms, Insurable Interest can be understood as if the earning member of a family dies, the future of his family can be badly affected. Hence, the earning member has the Insurable Interest of his family hidden in him. Due to which the earning member can buy a Life Insurance Policy on his own life and can make any member of his family the nominee.

      An unknown person has no Insurable Interest in the life of a minor. This is the reason why an unknown person cannot buy a Life Insurance Policy from LIC on the life of a minor.

      Why are usually the Parents of the Children made Proposers?

      In Indian society, every parent spends his entire life to make the future of his children better. Every parent wants that his child should study well in his life and when he grows up, he should get a respectable position in the society. At present, the education cost in India is very high, for a normal family, arranging the fees of the children and making other educational arrangements is a big deal.

      This is the reason that in Indian society, most of the parents start saving for the better future of their child from the birth of their child. The problem becomes more serious when the child's mother or father or both die at an early age. So such people who think of giving a better future to their child in every situation buy LIC Policy.

      On the other hand, it has been found many times that some children die at an early age. When this happens, the parents start having Financial Problems for their other children. So when the child has Life Insurance, it has double benefits. Firstly, if the proposer dies, the child gets the Life Insurance Benefit from his Life Insurance Policy. Second, if the child dies, the parents get the Insurance Benefit which they can use for their other children.

      This is the reason that when the parents are the Proposers for a child's Life Insurance Policy, the corporation readily accepts such a policy. Whereas, if any other person is the Proposer on the Life of a minor, then a lot of investigation is done for him. This is the reason that in policies bought for children from Life Insurance Corporation of India, their parents are the proposers in most of the cases.

      Can the Policy be cancelled even after submitting LIC Form No. 360 and Premium?

      It is mandatory to fill LIC Form No. 360 to buy a Life Insurance Policy for a minor from LIC. If the Insurance Policy is Proposed for a Large Sum Assured, the corporation can also ask for the first premium to be deposited. Now even if you have filled and submitted this form and have also deposited the premium, it is not necessary that your Proposed Policy will be issued. Due to many reasons, the policy can be cancelled and the deposited premium is refunded.

      After submitting Form No. 360 to LIC, the officials review the information and declarations given in the Proposal Form. If needed, they can ask for medical and other necessary formalities. In many cases, Life Insurance Policy is issued from the branch office of Life Insurance Corporation of India, but if the Proposed Life Insurance Policy is for a large Sum Assured, then the right to decide to issue the policy may lie with bigger offices (eg: Division Office, Zonal Office or Central Office).

      This process of issuing the policy is called underwriting in the Life Insurance Business. During the underwriting process, the officers of the corporation check the Form Number 360 and other documents given by the Proposer. Along with this, they assess the medical report and other risks. Only after this, the Life Insurance Policy is issued. If the officer of the corporation does not feel that the Proposed Life Insurance is eligible, then the Proposed Policy can also be cancelled.

      What will happen if wrong information is given in LIC Form 360?

      You should be very careful while filling the LIC Form No. 360. Because, based on the information and declarations given by you in Form No. 360, the corporation decides to issue the Insurance Policy and determines the Premium.

      Now if you knowingly or unknowingly give wrong or incomplete answers to the questions asked in Form No. 360, then the corporation can completely reject any or all claims related to the policy. It even has the right to confiscate the premium deposited by you.

      Therefore, our suggestion for you would be to give detailed and correct information to all the questions while filling this form, so that you do not have to face any kind of problem in future.

      एलआईसी प्रपोजल फॉर्म के बारे में अक्सर पूछे जाने वाले प्रश्न

      एलआईसी प्रपोजल फॉर्म के बारे में अक्सर पूछे जाने वाले प्रश्न

      एलआईसी प्रपोजल फॉर्म के बारे में अक्सर पूछे जाने वाले प्रश्न


      Read in English »

      जब आप एलआईसी की कोई पालिसी खरीदते अथवा बेचते हैं, तो उस समय आपको एलआईसी का प्रपोजल फॉर्म भरना पड़ता है। बीमा पालिसी की खरीद विक्री में कौन सा फॉर्म उपयोग में लिया जायेगा, यह कई बातों पर निर्भर करता है। भारतीय जीवन बीमा निगम (एलआईसी) ने अलग-अलग आयु वर्ग के लोगो के लिए अलग अलग तरह के प्रपोजल फॉर्म बनाये हुए है। तो एलआईसी की किसी भी पॉलिसी को खरीदते अथवा बेचते समय सबसे पहले आपको यह पता करना होगा कि प्रस्तावित जीवन के लिए कौन सा फॉर्म भरा जायेगा?

      अक्सर लोगों के मन में प्रपोजल फॉर्म के संदर्भ में बहुत सारे सवाल होते हैं, जिसका सही जवाब न मिलने पर वह फॉर्म को भरते समय गलतियां कर देते हैं। जिसके परिणाम स्वरूप बाद में उन्हें परेशान होना पड़ता है। अतः जीवन बीमा बाजार के इस लेख में हम आपके ऐसे कुछ महत्वपूर्ण सवालो का उत्तर देने का प्रयास कर रहे हैं। मुझे उम्मीद है कि मेरा यह प्रयास आपके लिए लाभप्रद साबित होगा।

      एलआईसी प्रपोजल फॉर्म हेतु सवाल जवाब

      एलआईसी में अभिकर्ता गोपनीय रिपोर्ट का फॉर्म नंबर क्या है?

      एलआईसी में "अभिकर्ता गोपनीय रिपोर्ट" का फॉर्म नंबर 380/3251 है और इसका इस्तेमाल एलआईसी में नए व्यवसाय के प्रस्ताव फॉर्म को भरते समय किया जाता है। यह फॉर्म एलआईसी के एजेंट द्वारा भरा जाना है।

      एलआईसी एजेंट के लिए अभिकर्ता गोपनीय रिपोर्ट के बारे में जानना क्यों ज़रूरी है?

      भले ही आपके विकास अधिकारी या मुख्य बीमा सलाहकार (CLIA) ने आपको 'अभिकर्ता गोपनीय रिपोर्ट' भरने की प्रक्रिया समझा दी हो, लेकिन भविष्य में इस फॉर्म को भरने में आपको कुछ दिक्कतों का सामना करना पड़ सकता है। अपने एजेंसी करियर की शुरुआत में, आपको एक ही काम के लिए बार-बार अपने विकास अधिकारी या CLIA के पास जाना असुविधाजनक लग सकता है।

      इसलिए नए एलआईसी एजेंट के लिए यह जानकारी बहुत ज़रूरी है। यहाँ दी गई जानकारी हमेशा आपके लिए उपलब्ध रहेगी, ताकि जब भी आपको इसकी ज़रूरत हो, आप इसका फ़ायदा उठा सकें।

      अनुभवी एलआईसी एजेंट के लिए अभिकर्ता गोपनीय रिपोर्ट की जानकारी क्यों उपयोगी है?

      अगर आप एक अनुभवी एलआईसी एजेंट हैं, तो आपके पास नए व्यवसाय और पुरानी पॉलिसी सेवाओं से जुड़े कई काम हो सकते हैं, जिसकी वजह से आपको समय की कमी महसूस हो सकती है। ऐसे में, कई अनुभवी एजेंट अपने काम में मदद के लिए सहयोगी नियुक्त करते हैं। हर बार जब आप नए सहयोगी नियुक्त करते हैं, तो उन्हें अभिकर्ता गोपनीय रिपोर्ट भरने के लिए प्रशिक्षित करना आपके लिए चुनौतीपूर्ण हो सकता है।

      अगर आप चीफ लाइफ इन्सुरेंस एडवाइजर (CLIA) है अथवा भारतीय जीवन बीमा निगम में विकास अधिकारी के रूप में काम करते हैं, तो आपको भी अपने नए एजेंटो को अभिकर्ता गोपनीय रिपोर्ट को भरने के बारे में जानकारी देना होता है।

      अब मान लीजिए कि आप अपने नए एजेंट या सहयोगी को अभिकर्ता गोपनीय रिपोर्ट भरने के लिए प्रशिक्षित करते हैं, तो क्या यह संभव नहीं है कि वे दोबारा इस रिपोर्ट को भरते समय भ्रमित न हों? ऐसे में हमारे लेख आपके सहयोगी या नए एजेंटो को प्रशिक्षित करने के लिए बेहद उपयोगी साबित हो सकते हैं। आप इस लेख का लिंक साझा करके उन्हें ACR भरने के सही तरीके के बारे में जानकारी दे सकते हैं, जिससे आपका कीमती समय भी बचेगा।

      एलआईसी की अभिकर्ता गोपनीय रिपोर्ट का संक्षिप्त रूप क्या है?

      एलआईसी की अभिकर्ता गोपनीय रिपोर्ट को संक्षिप्त रूप में ACR कहा जाता है।

      एलआईसी में एसीआर फॉर्म किसे कहते है?

      एलआईसी में एसीआर फॉर्म का मतलब है "अभिकर्ता गोपनीय रिपोर्ट" (Agent Confidential Report)। जब कोई एलआईसी एजेंट नई बीमा पॉलिसी बेचता है, तो उसे यह फॉर्म भरना होता है। इस फॉर्म की मदद से एलआईसी अभिकर्ता, निगम को बीमा के लिए प्रस्तावित जीवन के बारे में गोपनीय जानकारी प्रदान करता है।

      भारतीय जीवन बीमा निगम में, जीवन बीमा अभिकर्ता द्वारा प्रत्येक विक्री के लिए यह फॉर्म बहुत अधिक महत्वपूर्ण होता है। क्योकि निगम इस फॉर्म में प्रस्तुत गुप्त सुचना के आधार पर जीवन बीमा पालिसी जारी करने का निर्णय लेती है। इसलिए इस फॉर्म को अभिकर्ता गोपनीय रिपोर्ट अथवा एसीआर कहा जाता है।

      एलआईसी में "अभिकर्ता गोपनीय रिपोर्ट" फॉर्म किसके द्वारा भरा जाता है?

      एलआईसी में नव व्यवसाय के दौरान प्रपोजल फॉर्म के साथ अभिकर्ता गोपनीय रिपोर्ट (Agent Confidential Report) लगाना बहुत अधिक महत्वपूर्ण होता है। इस फॉर्म को भारतीय जीवन बीमा निगम का कोई अधिकृत अभिकर्ता ही भरता है। इस फॉर्म में एक अभिकर्ता, उस व्यक्ति के बारे में गोपनीय जानकारी साझा करता है, जिसके जीवन पर जीवन बीमा पॉलिसी प्रस्तावित की गई होती है। इस गोपनीय रिपोर्ट का मूल उदेश्य यह सुनिश्चित करना होता है कि जीवन बीमा पॉलिसी के लिए प्रस्तावित व्यक्ति, जीवन बीमा पॉलिसी के लिए योग्य है।

      अभिकर्ता गोपनीय रिपोर्ट को सही और सटीक रूप में भरा जाना, एलआईसी अभिकर्ता की महत्वपूर्ण जिम्मेदारी होती है। क्योकि एलआईसी इसी जानकारी के आधार पर जीवन बीमा पॉलिसी जारी करती है। किसी भी तरह की गलत जानकारी या त्रुटि अभिकर्ता की एजेंसी पर नकारात्मक प्रभाव डाल सकती है और उसे गंभीर परिणामो का सामना करना पड़ सकता है।

      अभिकर्ता गोपनीय रिपोर्ट (एसीआर) दाखिल करना क्यों ज़रूरी है?

      एलआईसी अपने ग्राहकों को अपने एजेंटों के ज़रिए जानती है और इस प्रक्रिया में एजेंट अहम भूमिका निभाते हैं। जब कोई एजेंट किसी व्यक्ति के लिए बीमा का प्रस्ताव रखता है, तो एलआईसी उस व्यक्ति की गोपनीय जानकारी प्राप्त करने के लिए 'अभिकर्ता गोपनीय रिपोर्ट' (एसीआर) का इस्तेमाल करती है। यह जानकारी एलआईसी को यह तय करने में मदद करती है कि प्रस्तावित व्यक्ति को पॉलिसी बेचना उचित है या नहीं।

      एसीआर फॉर्म इसलिए महत्वपूर्ण है क्योंकि इसके ज़रिए एजेंट ग्राहक के बारे में ज़रूरी और गोपनीय जानकारी निगम को देता है, जिससे जोखिम का आकलन और पॉलिसी जारी करने के फ़ैसले लिए जाते हैं।

      अगर एलआईसी एजेंट एसीआर में गलत जानकारी भरता है तो क्या होगा?

      यदि एलआईसी एजेंट 'अभिकर्ता गोपनीय रिपोर्ट' (ACR) में गलत जानकारी दर्ज करता है और उस आधार पर पॉलिसी बेची जाती है, तो भविष्य में कोई दावा होने पर गंभीर परिणाम हो सकते हैं। ऐसी स्थिति में एजेंट की एजेंसी रद्द की जा सकती है, और विशेष परिस्थितियों में, एलआईसी एजेंट से नुकसान की भरपाई भी कर सकती है।

      अभिकर्ता गोपनीय रिपोर्ट कैसे डाउनलोड करें?

      हमारी वेबसाइट जीवन बीमा बाजार, एलआईसी ऑफ़ इंडिया एवं अन्य जीवन बीमा उद्योग से जुड़ी जानकारी प्रदान करती है और जीवन बीमा एजेंट्स के लिए उपयोगी संसाधन उपलब्ध कराती है। हमने हमारे एक लेख में एलआईसी के अभिकर्ता गोपनीय रिपोर्ट को भरने के वारे में विस्तार से जानकारी दी है। हमारे उस लेख में फॉर्म को डाउनलोड करने का विकल्प दिया गया है।

      आप हमारे उस लेख से न केवल अभिकर्ता गोपनीय रिपोर्ट को डाउनलोड कर सकते हैं बल्कि इसकी सैंपल फाइल भी डाउनलोड कर सकते हैं।

      एलआईसी में फॉर्म नंबर 360 क्या है?

      भारतीय जीवन बीमा निगम (एलआईसी) से पॉलिसी खरीदते समय विभिन्न तरह के फॉर्म भरना पड़ता है। जब नई जीवन बीमा पालिसी खरीदने के लिए फॉर्म भरा जाता है, तो ऐसे फॉर्म को प्रपोजल फॉर्म कहते हैं। एलआईसी से जीवन बीमा पालिसी खरीदने के लिए कई तरह के प्रपोजल फॉर्म होते हैं। उनमे से एक प्रपोजल फॉर्म, जिसका उपयोग 18 वर्ष से कम आयु के जीवन को जीवन बीमा पालिसी का लाभ देने के लिए किया जाता है, का फॉर्म संख्या 360 होता है।

      नाबालिग जीवन के लिए जीवन बीमा प्रस्तावित करने हेतु यह एक महत्वपूर्ण फॉर्म होता है। इस फॉर्म के माध्यम से एलआईसी, प्रस्तावित जीवन एवं प्रस्तावक के बारे में कई तरह की जानकारी मांगती है। ताकि, एलआईसी को बीमा कवरेज के लिए नाबालिग के जोखिम और पात्रता का मूल्यांकन करने में सुविधा हो। एलआईसी के फॉर्म संख्या 360 में प्रस्तावित जीवन और प्रस्तावक की व्यक्तिगत जानकारी, स्वास्थ्य सम्बंधित घोषणाएं और वित्तीय स्थिति से सम्बंधित विवरण शामिल होते हैं।

      एलआईसी में फॉर्म संख्या 360 का इस्तेमाल कब किया जाता है?

      एलआईसी फॉर्म संख्या 360 को उपयोग खासतौर से तब किया जाता है जब किसी ऐसे जीवन को जीवन बीमा सुरक्षा देनी होती है, जिसकी आयु 18 वर्ष से कम होती है। दूसरे शब्दों में, जब भारतीय जीवन बीमा निगम से किसी नाबालिग के जीवन पर जीवन बीमा पालिसी खरीदनी होती है, तब एलआईसी के फॉर्म संख्या 360 को भरा जाता है।

      हालाँकि, यह फॉर्म पालिसी खरीदते समय ही भरा जाता है लेकिन इसका उपयोग पुरे पालिसी अवधि के भीतर कभी भी किया जा सकता है। चुकी इस फॉर्म में दी गई जानकारी और घोषणाओं के आधार पर ही जीवन बीमा पॉलिसी जारी की जाती है। अतः जब कभी भी जारी की गई बीमा पॉलिसी में कोई दावा पैदा होता है, तब निगम इस फॉर्म का उपयोग कर सकती है।

      एलआईसी फॉर्म नंबर 360 किस आयु वर्ग के लिए उपयोग किया जाता है?

      एलआईसी फॉर्म नंबर 360 का उपयोग विशेष रूप से उन बच्चो के लिए जीवन बीमा पालिसी प्रस्तावित करने के लिए किया जाता है जिनकी शून्य से लेकर 18 वर्ष की आयु के बीच होती है। इस फॉर्म को नाबालिग बच्चे के अभिवावक अथवा कानूनी संरक्षक के द्वारा भरा जाता है।

      एलआईसी फॉर्म नंबर 360 कहां से प्राप्त करें?

      एलआईसी के फॉर्म संख्या 360 को एलआईसी के किसी भी शाखा कार्यालय से प्राप्त किया जा सकता है। एलआईसी का यह फॉर्म उन लोगों के लिए उपयोगी है, जो अपने नाबालिग बच्चो के लिए भारतीय जीवन बीमा निगम (एलआईसी) से कोई जीवन बीमा पालिसी खरीदना चाहते हैं।

      भारतीय जीवन बीमा निगम के इस फॉर्म को कुछ विश्वशनीय वेबसाइट के माध्यम से भी डाउनलोड किया जा सकता है। आपकी सुविधा को ध्यान में रखते हुए हमने एक लेख में एलआईसी के फॉर्म संख्या 360 को कैसे भरते हैं, के बारे में विस्तार से जानकारी दी है। आप हमारे उस लेख से भी यह फॉर्म डाउनलोड कर सकते हैं।

      इस प्रकार, आप एलआईसी की आधिकारिक वेबसाइट, शाखा कार्यालय, या भरोसेमंद ऑनलाइन संसाधनों का उपयोग करके यह फॉर्म प्राप्त कर सकते हैं।

      ग्राहक एलआईसी फॉर्म नंबर 360 कैसे प्राप्त कर सकता है?

      अगर कोई ग्राहक अपने नाबालिग बच्चे के जीवन पर भारतीय जीवन बीमा निगम (एलआईसी) की कोई पॉलिसी खरीदना चाहता है, तब उसे एलआईसी के फॉर्म संख्या 360 की जरुरत होती है। लेकिन, निगम यह फॉर्म डायरेक्ट ग्राहकों को नहीं देती है। एलआईसी में जीवन बीमा पालिसी की विक्री का कार्य मुख्य रूप से अभिकर्ताओं, विकास अधिकारीयों और चीफ लाइफ इन्सुरेंस सलाहकारों (सीएलआईए) के द्वारा किया जाता है, इसलिए एलआईसी यह फॉर्म अपने एजेंटो, विकास अधिकारी और सीएलआईए को ही देती है।

      अगर आप एलआईसी से कोई जीवन बीमा पालिसी खरीदना चाहता है तो उसे किसी एलआईसी अभिकर्ता (एजेंट) से सम्पर्क करना होता है। अतः अगर आप एलआईसी के इस फॉर्म को प्राप्त करना चाहते हैं तो किसी एलआईसी एजेंट से प्राप्त कर सकते हैं। हालाँकि, हमने अपने एक लेख में बताया है कि एलआईसी के फॉर्म संख्या 360 को कैसे भरा जाता है। हमारे उस लेख से भी आप इस फॉर्म को डाउनलोड कर सकते हैं।

      एलआईसी फॉर्म नंबर 360 की कीमत कितनी है?

      एलआईसी फॉर्म नंबर 360 खरीद और बिक्री के लिए उपलब्ध नहीं है। एलआईसी अपने एजेंट, विकास अधिकारी को यह फॉर्म मुफ्त में उपलब्ध कराती है। इसलिए आपको फॉर्म प्राप्त करने के लिए कोई राशि का भुगतान करने की आवश्यकता नहीं है।

      एलआईसी फॉर्म नंबर 360 किसे भरना चाहिए?

      एलआईसी फॉर्म नंबर 360 का इस्तेमाल खास तौर पर नाबालिग बच्चों के जीवन पर बीमा पॉलिसी खरीदते समय किया जाता है। यह फॉर्म उस व्यक्ति द्वारा भरा जाना चाहिए जो पॉलिसी का प्रस्ताव दे रहा है। सरल शब्दों में कहें तो यह फॉर्म उस व्यक्ति द्वारा भरा जाना चाहिए जो प्रस्तावित पॉलिसी का प्रीमियम भरेगा। ऐसे व्यक्ति को बच्चे की जीवन बीमा पॉलिसी में प्रस्तावक कहा जाता है।

      हालांकि, नियमों के अनुसार एलआईसी का कोई भी प्रस्ताव फॉर्म प्रस्तावक द्वारा ही भरा जाना चाहिए। लेकिन व्यवहार में अक्सर देखा जाता है कि अधिकतर प्रस्ताव फॉर्म भारतीय जीवन बीमा निगम के एजेंट भरते हैं। हमारा आपके लिए सुझाव यही होगा कि एलआईसी की कोई भी पॉलिसी खरीदते समय प्रस्ताव फॉर्म प्रस्तावक या उसके किसी करीबी रिश्तेदार द्वारा ही भरा जाना चाहिए।

      एलआईसी फॉर्म संख्या 360 में प्रस्तावक कौन हो सकता है?

      भारतीय कानून के अनुसार, 18 वर्ष से कम आयु का कोई भी नाबालिग अपने जीवन के महत्वपूर्ण निर्णय नहीं ले सकता है। इस आयु के बच्चे अपनी पढ़ाई, खेलकूद और अन्य गतिविधियाँ स्वयं कर सकते हैं। भारतीय कानून के अनुसार, बच्चे के जीवन से संबंधित महत्वपूर्ण निर्णय उसके माता-पिता या कानूनी अभिभावक ले सकते हैं।

      अतः नाबालिग बच्चे के लिए जीवन बीमा पॉलिसी खरीदने का निर्णय उसके माता-पिता या कानूनी अभिभावक ले सकते हैं। जीवन बीमा उद्योग में, जीवन बीमा पॉलिसी खरीदने का प्रस्ताव रखने वाले व्यक्ति को प्रस्तावक कहा जाता है, इसलिए एलआईसी के फॉर्म संख्या 360 में, नाबालिग बच्चे के माता-पिता या उसके कानूनी अभिभावक प्रस्तावक हो सकते हैं।

      क्या कोई अज्ञात व्यक्ति एलआईसी पॉलिसी में बच्चे का प्रस्तावक हो सकता है?

      जीवन बीमा पॉलिसियों के लिए बीमा योग्य हित अनिवार्य है। सरल शब्दों में बीमा योग्य हित को इस तरह समझा जा सकता है कि अगर किसी परिवार के कमाने वाले सदस्य की मृत्यु हो जाती है, तो उसके परिवार का भविष्य बुरी तरह प्रभावित हो सकता है। इसलिए कमाने वाले सदस्य के पास अपने परिवार का बीमा योग्य हित छिपा होता है। जिसके कारण कमाने वाला सदस्य अपने जीवन पर जीवन बीमा पॉलिसी खरीद सकता है और अपने परिवार के किसी भी सदस्य को नॉमिनी बना सकता है।

      किसी अज्ञात व्यक्ति का नाबालिग के जीवन पर कोई बीमा योग्य हित नहीं होता है। यही कारण है कि कोई अज्ञात व्यक्ति नाबालिग के जीवन पर एलआईसी से जीवन बीमा पॉलिसी नहीं खरीद सकता है।

      आमतौर पर बच्चों के माता-पिता को प्रस्तावक क्यों बनाया जाता है?

      भारतीय समाज में हर माता-पिता अपने बच्चों का भविष्य बेहतर बनाने के लिए अपनी पूरी जिंदगी लगा देते हैं। हर माता-पिता चाहते हैं कि उनका बच्चा अपने जीवन में खूब पढ़े-लिखे और बड़ा होकर समाज में सम्मानजनक स्थान प्राप्त करे। वर्तमान में भारत में शिक्षा का खर्च बहुत अधिक है, एक सामान्य परिवार के लिए बच्चों की फीस का प्रबंध करना और अन्य शैक्षणिक व्यवस्थाएं करना बहुत बड़ी बात है।

      यही वजह है कि भारतीय समाज में ज़्यादातर माता-पिता अपने बच्चे के जन्म से ही उसके बेहतर भविष्य के लिए बचत करना शुरू कर देते हैं। समस्या तब और गंभीर हो जाती है जब बच्चे के माता या पिता या दोनों की ही कम उम्र में मृत्यु हो जाती है। इसलिए ऐसे लोग जो हर हाल में अपने बच्चे को बेहतर भविष्य देने के बारे में सोचते हैं, वे एलआईसी पॉलिसी खरीदते हैं।

      दूसरी ओर, कई बार पाया गया है कि कुछ बच्चे कम उम्र में ही मर जाते हैं। ऐसा होने पर माता-पिता को अपने दूसरे बच्चों के लिए आर्थिक परेशानी होने लगती है। इसलिए जब बच्चे का जीवन बीमा होता है तो उसे दोहरा लाभ होता है। पहला, अगर प्रस्तावक की मृत्यु हो जाती है तो बच्चे को उसकी जीवन बीमा पॉलिसी से जीवन बीमा लाभ मिलता है। दूसरा, अगर बच्चे की मृत्यु हो जाती है तो माता-पिता को बीमा लाभ मिलता है जिसका इस्तेमाल वे अपने दूसरे बच्चों के लिए कर सकते हैं।

      यही वजह है कि जब बच्चे की जीवन बीमा पॉलिसी के लिए माता-पिता प्रस्तावक होते हैं तो निगम ऐसी पॉलिसी को आसानी से स्वीकार कर लेता है। वहीं, अगर नाबालिग के जीवन पर कोई दूसरा व्यक्ति प्रस्तावक होता है तो उसके लिए काफी जांच-पड़ताल की जाती है। यही वजह है कि भारतीय जीवन बीमा निगम से बच्चों के लिए खरीदी गई पॉलिसियों में ज्यादातर मामलों में उनके माता-पिता ही प्रस्तावक होते हैं।

      क्या एलआईसी फॉर्म नंबर 360 और प्रीमियम जमा करने के बाद भी पॉलिसी रद्द की जा सकती है?

      एलआईसी से नाबालिग के लिए जीवन बीमा पॉलिसी खरीदने के लिए एलआईसी फॉर्म नंबर 360 भरना अनिवार्य है। यदि बीमा पॉलिसी बड़ी बीमित राशि के लिए प्रस्तावित है, तो निगम पहले प्रीमियम जमा करने के लिए भी कह सकता है। अब भले ही आपने यह फॉर्म भरकर जमा कर दिया हो और प्रीमियम भी जमा कर दिया हो, लेकिन यह जरूरी नहीं है कि आपकी प्रस्तावित पॉलिसी जारी हो ही जाए। कई कारणों से पॉलिसी रद्द हो सकती है और जमा प्रीमियम वापस किया जा सकता है।

      फॉर्म नंबर 360 को एलआईसी में जमा करने के बाद अधिकारी प्रस्ताव फॉर्म में दी गई जानकारी और घोषणाओं की समीक्षा करते हैं। जरूरत पड़ने पर मेडिकल और अन्य जरूरी औपचारिकताओं के लिए कह सकते हैं। कई मामलों में जीवन बीमा पॉलिसी भारतीय जीवन बीमा निगम के शाखा कार्यालय से जारी की जाती है, लेकिन अगर प्रस्तावित जीवन बीमा पॉलिसी बड़ी बीमा राशि के लिए है, तो पॉलिसी जारी करने का निर्णय लेने का अधिकार बड़े कार्यालयों (जैसे: डिवीजन ऑफिस, जोनल ऑफिस या सेंट्रल ऑफिस) के पास हो सकता है।

      पॉलिसी जारी करने की इस प्रक्रिया को जीवन बीमा व्यवसाय में अंडरराइटिंग कहा जाता है। अंडरराइटिंग प्रक्रिया के दौरान निगम के अधिकारी प्रस्तावक द्वारा दिए गए फॉर्म नंबर 360 और अन्य दस्तावेजों की जांच करते हैं। इसके साथ ही वे मेडिकल रिपोर्ट और अन्य जोखिमों का आकलन करते हैं। इसके बाद ही जीवन बीमा पॉलिसी जारी की जाती है। अगर निगम के अधिकारी को लगता है कि प्रस्तावित जीवन बीमा योग्य नहीं है, तो प्रस्तावित पॉलिसी को रद्द भी किया जा सकता है।

      अगर एलआईसी फॉर्म संख्या 360 में गलत जानकारी दी गई तो क्या होगा?

      एलआईसी फॉर्म नंबर 360 भरते समय आपको बहुत सावधान रहना चाहिए। क्योंकि फॉर्म नंबर 360 में आपके द्वारा दी गई जानकारी और घोषणाओं के आधार पर निगम बीमा पॉलिसी जारी करने का फैसला करता है और प्रीमियम निर्धारित करता है।

      अब अगर आप जाने-अनजाने में फॉर्म नंबर 360 में पूछे गए सवालों के गलत या अधूरे जवाब देते हैं, तो निगम पॉलिसी से जुड़े किसी भी या सभी दावों को पूरी तरह से खारिज कर सकता है। यहां तक ​​कि आपके द्वारा जमा किए गए प्रीमियम को जब्त करने का भी अधिकार रखता है।

      इसलिए हमारा सुझाव आपके लिए यही होगा कि इस फॉर्म को भरते समय सभी सवालों की विस्तृत और सही जानकारी दें, ताकि भविष्य में आपको किसी भी तरह की परेशानी का सामना न करना पड़े।

      20 December 2024

      Life Insurance Agent' Digital Platform FAQ: Expert Answers

      Life Insurance Agent' Digital Platform FAQ: Expert Answers



      हिन्दी में पढ़ें »

      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.

      Digital Marketing Questions and Answers for Life Insurance Agents

      What are the benefits for Life Insurance Agents on Digital Platforms?

      Digital Platforms provide Life Insurance Agents with wider reach, low-cost marketing, 24/7 customer engagement, data-driven strategies, and a better understanding of customers. It saves time, increases brand credibility, and helps to acquire new customers as well as build strong relationships with existing customers.

      How can a Life Insurance Agent do effective marketing on Digital Platforms?

      For effective marketing on Digital Platforms, Life Insurance Agents must first understand the needs of their target audience and prepare content accordingly. Be active on Social Media and regularly share useful and engaging posts, videos, and infographics. Conduct live sessions, polls, and quizzes to increase customer engagement. Use paid ads to reach the right audience and present your services in a professional manner. Share inspirational stories and success examples while solving customer problems to make your brand credible and effective.

      How can a Life Insurance Agent benefit from Digital Marketing?

      Digital Marketing can prove to be highly beneficial for Life Insurance Agents. It helps them reach a wider audience, strengthen their brand presence, and connect with potential customers. Through Social Media, Email Marketing, and Paid Ads, agents can promote their services in a cost-effective way. Digital Platforms allow them to better understand customer needs and provide personalized solutions. Also, it is an effective way to respond quickly and build trust with customers, leading to increased sales and customer satisfaction.

      What are the tools and techniques available on Digital Platforms for Life Insurance Agents?

      There are many tools and techniques available for Life Insurance Agents on Digital Platforms that can make their marketing and customer engagement effective. Social media tools like Facebook, Instagram, and LinkedIn are useful for reaching customers. Email marketing platforms like MailChimp and Constant Contact help in providing regular updates to customers. Graphic design tools like Canva and Adobe Spark are useful for creating engaging posts and infographics. Digital advertising tools like Google Ads and Facebook Ads help in reaching the right audience. Additionally, CRM software like HubSpot and Zoho help manage customer information and strengthen relationships.

      What strategies should be adopted for the success of a Life Insurance Agent on the Digital Platform?

      To strengthen the insurance business through Digital Platforms, Life Insurance Agents should get a good website built for themselves. Which should contain information about Life Insurance Products, Services and Contact Details.Create your profile on Social Media and keep communicating with customers regularly. Apart from this, educate your customers about Life Insurance Products through Digital Marketing Campaigns, Blogging, Webinars, video sessions and Digital Training.