Life Insurance

Principles of Life Insurance

Principles of life insurance

Be it for an individual or an organization, principles form the base of conducting fair practices and constantly acts as a reminder to be just. The absence of principles eventually results in the downfall of a company. Therefore, every industry has its own set of principles to follow. There are various principles prevalent in the insurance industry too. In this article, we’re going to focus on the principles of life insurance.

Life Insurance is basically a contract between an individual and a company. When the insured person passes away or the policy is matured, the insurer pays a certain sum of the amount promised in exchange for a premium. Such an agreement is of great significance for both parties and therefore certain principles are followed to ensure just and smooth functioning.

Principles of life insurance

Life insurance is based on several principles that are customized as per the market conditions. It also makes sure that the insurance company receives profit and the insurer gets unfiltered security policies.

In India, there are five major principles of life insurance that are applied, they are as follows:

1. Good Faith

Life Insurance is a contract and this contract is supposed to be done in good faith by being transparent of all the necessary details. If an individual falsifies/withholds any important information from the company, this may result in serious consequences like termination of the policy. In addition, the insurer is also required to explain all the relevant policy aspects to the applicant. It is the responsibility of the insurer to educate the applicant about the terms and conditions and make sure nothing is hidden from them.

2. Insurable Interest

One of the most profound principles of life insurance, insurable interest is related to the interest level a beneficiary other than the insured person, is expected to have. The beneficiary can be anyone as mentioned in the contract. In simple words, it is the coverage that the beneficiary expects after the loss of the insured or the insured’s financial capacity.

3. Risk and Minimal Loss

Everyone is aware of the risk associated with insurance. The companies, keeping the risk in mind, have to function, offer policies and gain profits accordingly. The principle of risk and minimal loss states that the insured individual should take essential action to protect him/herself from any risks. This involves adhering to a healthy lifestyle, getting regular check-ups done and more.

4. Subrogation

It is the legal right that the insured gives to the insurance company. Under this, the insurance company gets the power to persuade the third-party that might be responsible for the losses caused to the insured or his belongings.

5. Contribution

This principle is implemented when multiple insurance policies have been purchased related to a particular subject matter. It states that the insured cannot claim the loss of one subject matter through different companies or policies.

If you have opted or are planning to opt for life insurance, take note and adhere to the principles of life insurance mentioned above for an easy and hassle-free insurance policy experience.

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Life Insurance Corporation

LIC vs Mutual Funds- Understanding the Difference

LIC vs Mutual Funds- Understanding the Difference

There are numerous options given to an individual when it comes to investing. But choosing the best is an extremely confusing task. However, where a person wants to invest is a matter of personal choice and depends upon the goals of the investor, the amount of money he wishes to invest and the risks he might want to take.

LIC and Mutual funds are the most popular and trusted methods of investment in India and people often find it difficult to choose between the two. So here’s a detailed study regarding LIC VS Mutual Funds to help you choose the best for yourself.

LIC VS Mutual Funds





LIC offers life insurance which is a protection scheme that helps you to secure your family’s future in your absence.



 A Mutual fund is an investment scheme that helps in increasing your wealth through market-linked investments.



The main objective of choosing a LIC policy is to safeguard your dependent’s future. It could be anyone, the insured’s parents, spouse, or children. It is a financial asset for the insured and his family.



The main objective of investing in mutual funds is to meet your financial goals. They are highly rewarding and help you to fulfill long-term goals like paying for your education, purchasing a property, starting your own business, etc.



Life insurance provides death benefits, which means a secured future for the insured’s family.



Mutual funds do not offer any coverage in case of mishaps. However, it is the best way to manage your funds.

Risk Involved


There is very little or no risk involved in a LIC policy as the sum insured is paid to the insured at the time of maturity even if the insured is alive.

Risk Involved


Mutual funds are a matter of high risk as their prices keep fluctuating but at the same time, they are very rewarding.



Life insurance is a good choice for safeguarding one’s family’s future. However, the returns offered by the policy are comparatively low.



Mutual funds offering the option to diversify your funds, help you to maximize your returns without being dependent on a single source. Thus they are an excellent choice to make investments and offer high returns in the long term.

To choose the best way to invest your money from amongst the two or any other financial products, you must first decide your goal. It is imperative to get a detailed understanding of what each of them has to offer in terms of return, risk, and security.

You also need to understand the benefits the product would offer in your desired time period. All of this together will help you make well-informed decisions.

Be very careful while investing as it is your hard-earned money that you’re risking. Note down your requirements after comparing the different financial products, and then wisely choose the one that matches your goals, requirements, and expectations.

Great returns and fulfillment of your financial goals- enjoy the best of both worlds by making a smart choice!

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Life Insurance Corporation

LIC Vaya Vandana Yojana- Features and benefits

LIC Vaya Vandana Yojana- Features and benefits

Steady and regular income is one of the biggest concerns for senior citizens. Post-retirement, financial independence becomes difficult. Pension plans are an escape from issues like this. Also known as retirement plans, pension plans require you to invest a certain part of your savings for a fixed period of time and then help you to avail steady income after retirement. LIC Vaya Vandana Yojana is one such government-launched pension scheme designed exclusively for senior citizens.

Read further to understand what is LIC Vaya Vandana Yojana and how it is beneficial for senior citizens.

What is LIC Vaya Vandana Yojana?

Under this scheme, senior citizens are offered a guaranteed interest on the principal amount invested by them. The interest rate starts from 8% and can go up to 8.3%. The interest is given for a period of 10 years. The scheme has also been exempted from the Goods and services tax or the GST. The sole right to operate the Vaya Vandana Yojana has been given only to the LIC by the government. LIC has been offering this scheme from its launch date, 4th May 21017.

Features of the LIC Vaya Vandana Yojana

Here are a few key features of the policy:

  • INR 1,50,000 to INR 15,00,000 is the lump sum investment you need to make to purchase the policy for a monthly income.
  • There is no maximum age specified for purchasing the policy.
  • The policy has been made available for purchase in both online and offline mode.
  • The policy is exempted from GST.
  • The interval of payment can be chosen by the policyholder i.e., annually, quarterly, monthly, or semi-annually.
  • Payment for the policy is made through NEFT or AEPS i.e., Adhaar Card enabled payment system.

Benefits of the policy

LIC Vaya Vandana Yojana is one of the government’s flagship policy offering numerous benefits, some of them are:

1. Steady regular income

The most significant benefit of the policy is a steady and fixed income for the senior citizens in the form of a pension. This ensures the financial independence of the policyholder till the end of the policy tenure, 10 years.

2. Guaranteed returns

Returns at a fixed assured rate are guaranteed to the insured for a period of ten years. These rates are age-independent but they might vary for different policyholders depending upon the mode of payment chosen by them.

3. Facility of Loan

After the completion of three years of the payment tenure, the loan facility can be availed. A loan of up to 75% of the amount invested can be taken, the interest recovery of which is made from the interest paid to the policyholder. The recovery of the final loan amount is however made from the final claim of the policy.

4. Independence to choose the pension payment period

The policyholder has the independence to choose the pension payment interval as per his needs. He may choose to receive his pension monthly, quarterly, half-yearly, or yearly.

Pension planning is a way to ensure a healthy and independent life post-retirement. Starting off with it at an early age can be highly beneficial in the long run and help you have a backup plan for maintaining your financial stability.

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Life Insurance Corporation

Features and Benefits of LIC Varishtha Pension Bima Yojana

Features and Benefits of LIC Varishtha Pension Bima Yojana

LIC Varishtha Pension Bima Yojana, as the name suggests is a pension scheme primarily for senior citizens. It is one of the most popular schemes introduced by the government and incorporated by the LIC. This scheme was made available only to people above 60 years of age. Under this policy, the policyholder needs to pay a single premium to enjoy the benefits.

Let’s learn a little more about the policy. Here’s the purchase plan which the policy offers

Minimum Purchase Price

Maximum Purchase Price

Pension Frequency

Rs 63,960

Rs 6,39,610


Rs 65,430

Rs 6,54,275


Rs 66,170

Rs 6,61,690


Rs 66,665

Rs 6,66,665


The features and the benefits the policy has to offer are the reason for its extreme popularity, let’s have a look at them.

Key features of the LIC Varishtha Pension Bima Yojana

Here are the features of the LIC Varishtha Pension Bima Yojana:

  • No medical check-ups are required to avail of this policy.
  • LIC Varishtha Pension Bima Yojana provides for early availability of surrender value in case the policyholder is diagnosed with any critical issues or illness.
  • 15 years of lock-in period is allotted for the policy although the policyholder can withdraw the required amount of money by paying a fee known as the exit load.
  • Only 2% as exit load is charged if the policyholder decides to withdraw the amount before maturity. That means, 98% of the total amount will still be received by the policyholder.
  • A choice is given to the policyholder if he wants to receive the payment monthly, yearly, quarterly, or half-yearly.
  • Payments are made through ECS or NEFT ensuring that the policyholder receives the money without going through the trouble of encashing a cheque or demand draft.
  • The policyholder can surrender the policy after the completion of the tenure and receive the entire amount of premium paid to purchase the policy.
  • A loan can be availed on the policy after the completion of 3 years. A loan of up to 75% of the premium paid can be granted based on the interest rate decided by the LIC.
  • In case the age of the policyholder is proved to be incorrect, it can simply be changed. The policy is not canceled and nor is the policyholder fined.

Benefits of the LIC Varishtha Pension Bima Yojana

The policy offers numerous benefits that immensely attracts its target age group. A brief description of the benefits has been provided here:

  • A regular assured income is paid to the policyholder. This amount is directly transferred to the bank account of the policyholder.
  • The beneficiaries on the death of the policyholder receive the entire amount paid by the pensioner as a premium to purchase the policy.
  • Tax benefits are also offered to the policyholder on the premium paid by him.
  • As the policy is initiated by the government, its reliability is undoubted just like the other government pension policies.
  • The policy can be easily combined with other sources of pension such as the provident fund to obtain a good amount of sum.

Earlier pension planning was just restricted to limited sources such as PF but with the advancements in the banking and insurance sector, numerous ways are available to secure one’s post-retirement life. Utmost advantage should be taken of these advancements in order to live a healthier and independent retired life.

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Life Insurance Corporation

LIC Jeevan Umang Plan- The Dual Benefit Policy

LIC Jeevan Umang Plan- The Dual Benefit Policy

The benefit of Income and protection of the family are two main concerns for any individual, isn’t it? It is often very confusing and difficult when one has to choose between the two. LIC’s Jeevan Umang plan is here for your rescue. It combines both benefits of income and protection of the insured’s family under one policy.

Let’s learn a little more about this policy.

What is LIC Jeevan Umang Plan?

LIC Jeevan Umang is a life insurance plan which offers the dual benefits of Income and family protection under one policy. On the 1st of February 2020, this policy was launched by the LIC. The policy provides the annual survival benefits from the completion of the premium payment tenure till the time of maturity. Along with this, the insured is also paid a lump sum on maturity or the death of the insured, whichever is earlier. The policy offers great returns which can help the policyholder enjoy financial independence after a fixed period of time i.e., after the premium payment tenure.

Let’s Understand The returns of this policy with an example.

Let’s assume that the policy has been bought by Mr. Dixit who is 29 years old.  He has chosen the premium payment tenure to be 20 years, this means he’ll start receiving the pension every year after he turns 49. His sum assured is 6 lakhs.

He will receive the pension until the policy matures. Let’s see the premium he pays.

Premium Payment Frequency

1st year

After 1st year













This is the premium value including GST

After the payment period is over, he will receive Rs 48,000 every year. On maturity he will receive Rs 6 Lakhs, the sum assured.

Adding up all the premiums and sum assured, he receives Rs 15,16,200 in total which is almost 3 times the sum he paid.

Benefits of the LIC Jeevan Umang Plan

Prime benefits offered by the LIC Jeevan Umang Plan are as follows:

1. Death benefits

On the demise of the insured during the policy’s tenure, the death benefit is availed to the beneficiary as:

  • On death before commencement of risk: The beneficiary receives the sum total of all the premiums paid till date without any deductions or applicable interests.
  • On death after commencement of risk: The sum assured is paid to the beneficiary along with a reversionary bonus and final bonus if any.

2. Survival Benefits

If the insured survives at the end of the premium paying tenure, 8% of the basic sum assured is paid to the insured on its completion. Thereafter, the policyholder is paid the same amount after every year till he is alive and before the maturity of the policy.

3. Maturity benefits

If the policyholder survives the entire tenure of the policy i.e., 100 years, he or she is paid the sum insured. Applicable bonuses, simple reversionary bonus, and final bonus if any are added to the sum insured.

4. Loans

Policyholders can even avail of the loan facility under the LIC Jeevan Umang Plan. After the completion of 3 years of the policy, the policyholder can take a loan of up to 90% of the surrender value. But it is required that the premium is paid thoroughly and is up to date.

This policy is a huge relief for the earning member of the family. It not only provides a source of regular income but also relaxes the policyholder regarding the protection of his family in his absence.

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Life Insurance

importance of Life Insurance

Importance of Life Insurance (Top 4 importance)

Does it scare you to think of what will happen to your family if you don’t make it to the next sunrise? It is only then you realize the importance of life insurance policy. If you still are in two minds to take up life insurance, remember, the future is unpredictable.

In a society like ours, wherein most of the cases there is only one bread bearer for the entire family. It is mandatory to secure the family’s well-being after that one person is lost. Even if this is not the case and there is more than one earning member in the family, it is still important to have life insurance to secure your family’s financial stability and not overburden the other members.

There are a lot more reasons to explain why is life insurance important. Let’s take a quick look at a few of them:

Top 4 importance of life insurance

1) Your family’s needs

We spend our entire lives working hard to give a happy life to our families, don’t we? And it is our utmost responsibility to take care of our family’s needs even when we are not around. Losing a family member is already too much to cope up with, managing finances along with it is a nightmare. To avoid such severity, taking up life insurance is very important. It helps your family to maintain a healthy lifestyle.

2) Business protection

Families that indulge in the business of their own tend to suffer more. The service class people might have life insurance provided by their employer but what about the business owner’s family?. A few life insurances do provide business coverage. In this case, your business partner can buy a part of your business and the rest can be sold and your family is liable to receive the payout. However, no part of your business can be claimed by any member of your family in such a case.

3) Debt settlement

In the generation we live in, people opt for a certain standard of lifestyle, and to fulfill their expectations, they take up loans. Have you ever wondered what a burden the loans that you might have taken can be to your family if you, an earning member are no more around? It might even end up taking roofs off their heads. To avoid such a situation, life insurance is unavoidable. Your family might use the insurance money to pay the loan and live their lives independently.

4) Secure your retirement

Is it not everyone’s heartfelt desire to have a life of satisfaction after years of working and getting retired? Well, your dreams can be fulfilled if you choose your life insurance smartly. Till you are employed and have a regular income it is really easy to maintain a certain lifestyle but after you retire it becomes difficult to deal with the expenses. To live your dreams and still be financially independent after retirement, you should choose an insurance policy that offers you a regular payment at fixed intervals.

Understand the importance of Life insurance before it is too late and ensure your family receives financial comfort even in the absence of the sole bread owner.

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Life Insurance

Moral hazard in insurance

Moral Hazard in Insurance

A moral hazard is a very real risk that an insurance company has to cope with. Cases of moral hazard are common in the insurance industry, and regulators and companies must take cognizance of the same. Let us understand the various aspects about moral hazard below.

  • Meaning of moral hazard
  • Moral hazard in insurance
  • Measures against moral hazard
  • Examples of moral hazard

Meaning of moral hazard

A moral hazard is a situation where an insured individual, knowing that he is insured, will act in a reckless or careless manner intentionally. It is a situation where the insured takes advantage of the insurance company to make a profit of sorts. A simple example of a moral hazard would be, a person having motor insurance will not lock the door of his car knowing he is protected against vehicle theft.

Moral hazard in insurance

The term “moral hazard” is mostly used in the insurance space. This is because of the risks it presents to insurers. Moral hazards are present in all branches of insurance like health insurance, life insurance, motor insurance, property insurance, etc. It is the responsibility of the insurance regulator to mitigate the cases of moral hazards in insurance. It is also the moral duty of the insured to not take an undue advantage of insurance companies.

Measures against Moral Hazard

Protective terms and conditions: An insurance company can incorporate specific protective terms within their policy that can reduce the risk of moral hazard. For instance, under IRDAI regulation, a motor insurance policy will only come into force after the vehicle owner pays an initial Rs.2000 for its repairs. Only once the owner pays an initial Rs.2000, he can claim for the rest of cost of the damages.

Bonus and incentives: Many health insurance companies provide an incentive for policyholders to not make a claim by giving them a no claim bonus. This means that the coverage of the individual will be increased next year if he does not make a claim this year. This reduces the risk of moral hazard.

Industry Regulation: IRDAI should regularly look into cases of moral hazard and draft appropriate recommendations and regulations to curb this menace.

Examples of moral hazard

Let us understand the menace of moral hazard with a few examples.

Moral hazard in life insurance

A person may be secretly suicidal and he may take a life insurance policy. The person intends to leave his family with some money. The insurance company may not be aware of this person’s mental state and issues a policy. After a few months, this person intentionally meets with an accident and ends his life. The insurance company not knowing any of this has to make a claim payment to the family. This is an example of a moral hazard in life insurance.

Moral hazard in health insurance

A person may start taking his health for granted after taking a health insurance policy. He knows that the health insurance company will pay the hospital bills in the event of hospitalization.

Moral hazard in property insurance

A person may keep his home unlocked knowing his home is completely insured. A person may also recklessly drive knowing his car is insured. These are examples of moral hazard in property insurance.

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Life Insurance

Landmark Insurance Brokers Pvt Ltd

Landmark Insurance Brokers Pvt Ltd

Landmark Insurance Brokers Pvt Ltd is a privately owned insurance broking company in India. The company was incorporated in 2020 and has its headquarters in Pune, India. The insurance broking company has an authorized capital of Rs.3.5 crores and paid-up capital of Rs.3.45 crores. The company also boasts of having more than 3.5 Lakh customers, 1500+ employees, and a presence across 27 Indian cities. The company has been delivering an impressive CAGR of 35% over the course of 6 years.

This article will shine some light on the following:

  • Company details
  • Management
  • Products and services

Company details

Company NameLandmark Insurance Brokers Private Limited
Company Registration Number17009
Incorporated In2002
Field of OperationsInsurance broking, finance
Authorized CapitalRs 3.5 crores
Paid-up CapitalRs 3.45 crores
Managing DirectorMr. Susheel Tejuja
Registered Address1187/22, 4th Floor, Venkatesh Meher, Ghole Road, Shivaji Nagar, Pune, Maharashtra – 411005.
Phone Number1800 419 419 9


Mr. Susheel TejujaManaging Director
Mr. Vikramjeet SinghSenior VP
Mr. Varun KaushikVP & Marketing Head
Mrs. Ami Sanjay ThakkerDirectorNA
Ms. Garima MisraDirector

Products and services

The company has the following insurance products and services currently in the offering:

  • Car insurance
  • Bike insurance
  • Health insurance
  • Travel insurance
  • Commercial motor insurance
  • Cyber insurance
  • POSP services

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Life Insurance

Advantages of Life Insurance (Top 5 Benefits)

Advantages of Life Insurance (Top 5 Benefits)


What would happen to our loved ones after we go? Will they be financially secure in our absence? This is an important question that needs answering. Life insurance is something every one of us should consider purchasing.
Its various benefits and advantages make availing of a life insurance policy a prudent choice. Mentioned within are the top 5 benefits of buying life insurance.

Top 5 Benefits of a Life Insurance Policy

  • Peace of Mind
  • Assists in Debt Payment
  • Retirement Benefit
  • Tax Benefit
  • Wide Variety of Plans

Let us dive deep into each of the above benefits in detail below.

Peace of Mind

Purchasing life insurance can not only give you peace of mind but can also provide your family peace of mind. The payout that your family receives from a life insurance company can help maintain the lifestyle of your family, further a child’s education, or even provide the required additional financial stability to a family. You can sleep soundly that knowing that your family will be completely secure in your absence.

Assists in Debt Payment

There are situations where the patriarch of the family passes away after taking a loan. The burden of the loan passes down from the patriarch to the family. To avoid this situation, the patriarch can take a life insurance policy, knowing that the family can pay off his loan using the life insurance claim amount.

Retirement Benefit

All life insurance policies do not need the policyholder to pass away to avail of benefits. There are various policies that provide maturity benefits to policyholders. The maturity benefit is paid once the policy term gets over. The policyholder can use this amount to secure his post-retirement life.

Tax Benefit

A person can avail of an annual tax deduction on premiums paid up to Rs.1.5 Lakhs under section 80C. It would be a wise choice for many to avail a life insurance policy to lower their tax liability.

Wide Variety of Plans

Life insurance plans have evolved greatly. Gone are the days of traditional life insurance products. Companies now offer a plethora of life insurance products that cater to all requirements. Some of the different life insurance plans are the following:

Term Life Insurance: This is where the nominee will receive the death benefit in case the policyholder dies within the specified policy term.

Whole Life Insurance: A whole life insurance policy will provide protection to the policyholder’s family throughout the lifetime of the policyholder. (generally up to 100 years of age)

Endowment Life Insurance: An endowment life insurance policy will provide a balance of death benefits and savings. This is where the policyholder can avail a lump sum amount on maturity.

ULIP Life Insurance: A ULIP plan offers you the flexibility of death benefits along with the opportunity of participating in the equity and debt markets. The premium collected is invested in the market, and the final amount will be returned to you on maturity.

Child Insurance: This plan caters towards benefiting your child’s future.

Money-Back Life Insurance: Money back policies return your premium paid at regular intervals. Further, in the event of the policyholder’s demise, the entire sum assured will be paid to the nominee.

Retirement Plans: These plans provide a flow of pension to the policyholder post-retirement.

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Life Insurance

List of Life Insurance Companies in India (IRDA Approved)

List of Life Insurance Companies in India (IRDA Approved)

The insurance sector in India is regulated by the IRDA. This means that any insurance company (life insurance or general insurance) needs to be registered with the IRDA. It is important for a potential insurance buyer to ensure that the company they are dealing with is registered with the IRDA.

So, if you’re planning to purchase a life insurance policy, make sure the company is registered with the IRDA. This repository provides a list of life insurance companies in India registered with the IRDA (Updated 29-02-2021)

List of Life Insurance Companies in India (IRDA Registered)

CompanyCEO/MDNumberEmail IDSocial Media
Life Insurance Corporation of India (LIC)Mr. M. R. Kumar022 6827 6827chairman@licindia.com
Max Life InsuranceMr. Prashant Tripathy0124 648 8900online@maxlifeinsurance.com
1860 120 5577
Kotak Mahindra Life InsuranceMr. G Murlidhar1800 209 8800lifeexpert@kotak.com
HDFC Life InsuranceVibha Padalkar1800-266-9777buyonline@hdfclife.in
91 8291 890 569 (WhatsApp)
ICICI PrudentialMr. N S Kannan1860 266
SBI Life InsuranceMr. Mahesh Kumar Sharma1800 267
Aditya Birla SunLifeMr. Kamlesh Rao1800 270
Bajaj Allianz Life InsuranceMr. Tarun
PNB MetLife InsuranceMr. Ashish Kumar
Exide Life InsuranceMr. Kshitij Jain1800 419 8228care@exidelife.in
Tata AIAMr. Rishi Srivastava1-860-266-9966customercare@tataaia.com
7045669966 (WhatsApp)
Aviva Life InsuranceMr. Trevor Bull1800-103-7766customerservices@avivaindia.com
Shriram Life InsuranceMr. T.S. Krishna Murthy1800-103-7401customercare@shriramlife.in
Reliance Nippon Life InsuranceMr. Ashish Vohra1800 102 1010Rnlife.customerservice@relianceada.com
022 4882 7000
72088 52700 (WhatsApp)
Sahara India Life InsuranceMr. O.P.
Bharti AXA Life InsuranceMr. Parag Raja1800-102-4444service@bharti-axalife.com
02248815768 (WhatsApp)
Future Generali Life InsuranceMr. Ghyanendra Nath Bajpai1800 102 2355care@futuregenerali.in
Aegis Federal Life InsuranceMr. Vighnesh Shahane1800 209 0502support@ageasfederal.com
022 – 2302 9200grievance@ageasfederal.com
Aegon Life InsuranceMr. Satishwar
Canara HSBC OBC Life InsuranceMr. Anuj Mathur1800-103-0003customerservice@canarahsbclife.in
9311444942 (WhatsApp)
Edelweiss Tokio Life InsuranceMr. Sumit Rai1800 212 1212care@edelweisstokio.in
Star Union Dai-Ichi life insuranceMr. Girish Kulkarni1800 266 8833customercare@sudlife.in
India First Life InsuranceMr. R. M. Vishakha1800 209 8700customer.first@indiafirstlife.com
Pramericaa Life Insurance1800 102 7070contactus@pramericalife.in


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