Needs-first discussion
Income, dependents, liabilities, and goals are reviewed before a plan is suggested.
Senior LIC Insurance Advisor
Umashankar Rai
With over 25 years of experience, I provide trusted, family-first LIC strategies, clear policy choices, and lifelong dedicated support.
Strategic life goals call for strategic plans.
Pick your goal — we'll match the right plan to it.
View all LIC plans
25 Years Trusted Advisor
25+Years advising
5000+Families served
2001Serving since
IRDA · 018640617LIC Chairman's Club
From a small office to thousands of families
I began my LIC journey in 2001 from a single-room office in my hometown, helping neighbours pick their first policy. Twenty-five years on, I serve thousands of families across India — same handshake, same patience, same promise: the right LIC plan for your family, and steady support through every premium, milestone and claim.
01Personalized Assessment
We review your income, liabilities, dependents, and long-term milestones to understand your family's unique needs.
02Expert LIC Planning
Leveraging 25 years of insight, I shortlist the most relevant LIC policies that secure your financial future.
03Transparent Illustrations
You receive official LIC illustrations with clear premium and benefit values—no confusing jargon.
04Lifelong Policy Support
My relationship with clients spans generations. I handle premium reminders, policy updates, and seamless claim settlements.
Advisor promise
Trust is built before the policy is issued.
The work is simple: understand the family, explain the options clearly, and use official LIC illustrations before any decision is made.
Let's talkWhat you can expect
Official LIC illustration
Premiums, benefits, and terms are discussed using LIC-approved material and illustrations.
No-pressure recommendation
The final choice stays with you; the advisor's role is to clarify fit, tradeoffs, and service steps.
Support after purchase
Policy servicing, premium reminders, maturity help, and claim guidance remain part of the relationship.
Independent advisory; not the official LIC website. See footer for IRDA disclosure.
Get in touch
Take the first step towards a secure future.
Share your requirements below to schedule a personalized consultation. Together, we'll design a life insurance strategy perfectly tailored to your family's goals and financial well-being.
Questions
Answers before we talk.
A seasoned advisor like Umashankar Rai brings 20+ years of expertise to help you navigate hundreds of policies, choose what fits your specific financial goals, and ensure smooth claim settlements without any hassle.
Yes. LIC of India is backed by the sovereign guarantee of the Government of India, meaning your capital and declared bonuses are completely secure and guaranteed by the state.
My service doesn't end at policy issuance. I provide lifelong support, handling all aspects of policy servicing, maturity processing, survival benefits, and most importantly, smooth and prompt claim settlements for families.
You can submit a consultation request through this site. I will personally review your details and we can arrange a meeting to discuss your income, liabilities, and family goals to create a customized LIC portfolio.
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