Terms & Conditions

Last updated: September 2026

1. About This Website

This website is operated by an LIC insurance advisor to provide informational guidance to NRIs, OCI holders and Indian citizens working overseas regarding LIC insurance plans and services. It is not the official website of Life Insurance Corporation of India and does not represent LIC in any official capacity. By using this website, you agree to these Terms & Conditions.

2. Informational Purpose Only

Content on this website — including plan descriptions, FAQs and country-specific guidance — is provided for general informational purposes only and does not constitute an offer, promise or guarantee of any LIC product, benefit or return. Plan names, features and figures referenced on this website are subject to change and must be verified against official LIC sources and the relevant sales brochure/policy document before you make any decision. Insurance is the subject matter of solicitation.

3. No Financial or Tax Advice

Nothing on this website constitutes financial, investment, legal or tax advice. Tax treatment depends on applicable Indian tax laws, the specific policy, and your country of tax residence, and can change over time; please consult a qualified, licensed tax professional for advice specific to your situation.

4. Use of Enquiry Forms

By submitting an enquiry form on this website, you consent to being contacted by phone, text, email or WhatsApp regarding your enquiry and related LIC policy updates, and you confirm that the information you provide is accurate to the best of your knowledge. See our Privacy Policy for how we handle your information.

5. Intellectual Property

All original content on this website is protected by applicable copyright law. Unauthorised copying or reuse of our original content is prohibited. Any LIC branding, plan names or promotional visuals referenced belong to Life Insurance Corporation of India and are used here for general informational purposes only.

6. Third-Party Links and Services

This website may link to or use third-party services (such as WhatsApp for messaging, or a phone-number detection service). We are not responsible for the content, policies or practices of third-party services.

7. Limitation of Liability

We assist with guidance and coordination regarding LIC plans and servicing; final underwriting, approval, processing and payouts are always carried out by LIC as per its official rules and procedures. To the extent permitted by law, we are not liable for decisions LIC makes regarding any application, claim or servicing request.

8. Changes to These Terms

We may update these Terms & Conditions from time to time. Continued use of this website after changes are posted constitutes acceptance of the updated terms.

9. Contact Us

If you have questions about these Terms & Conditions, please contact us or write to nri@licagent.co.in.