1 Acceptance of Terms
By accessing and browsing this website, you confirm your agreement to comply with and be bound by these Terms of Use, our Privacy Policy, and applicable Indian regulatory statutes. If you do not agree with any part of these terms, please discontinue using this portal.
2 Intellectual Property & Trademarks
"Life Insurance Corporation of India", "LIC", and the iconic "Yogakshema" emblem are registered trademarks and statutory properties of Life Insurance Corporation of India. Sanchita Adhikary Barman is an authorized insurance advisor displaying these marks in an authorized professional capacity to facilitate policyholder services.
3 Use of Calculators and Illustrative Estimates
The financial calculators provided on this portal (Human Life Value, Child Education Fund, Retirement Pension, and Wealth Accumulation) are interactive simulation models created for conceptual and educational planning purposes. Actual policy returns, surrender values, bonuses, and loan eligibility are calculated exclusively by LIC's central underwriting systems based on age, medical underwriting, tenure, and official declared bonus rates.
4 User Conduct & Accurate Information
When submitting inquiry forms, users agree to provide accurate and verifiable contact information (valid name and 10-digit mobile number). Automated spam submissions, scraping, or misuse of contact numbers for unsolicited promotions is strictly prohibited.
5 Governing Law & Jurisdiction
These terms and any advisory service interactions shall be governed by and construed in accordance with the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of the competent courts in Cooch Behar District, West Bengal.