Why should I buy LIC policies through an advisor?

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.

Are my investments in LIC completely secure?

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.

How do you help with maturity and claims?

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.

How do we get started with financial planning?

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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Term Assurance Plans

LIC's Digi Term

Term assurance product; review digital-channel eligibility, cover amount, term, and underwriting requirements.

Plan 876UIN 512N356V02Source updated 24 May 2026

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Plan highlights

What to review before shortlisting.

Review cover amount, policy term, premium mode, and underwriting class
Check whether the product is online, offline, or has specific channel rules
Medical, occupation, and lifestyle details can affect the final quote

Eligibility

Eligibility and quote checks.

Age, smoking status, occupation, and medical underwriting may affect quote.
Exact premium must be generated from verified LIC rate data.

Documents

Official references.

Official LIC product page

Same category

Related official LIC plans.

LIC's Digi Credit LifePlan 878 · UIN 512N358V01 LIC's Yuva Credit LifePlan 877 · UIN 512N357V01 LIC's Yuva TermPlan 875 · UIN 512N355V02

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Advisor guidance

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Final premium, eligibility, and benefit illustration should be confirmed against LIC's current official rules.

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