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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Money Back Plans

LIC's New Children's Money Back Plan

Child-focused money back plan; review proposer, child age, and payout conditions.

Plan 732UIN 512N296V03Source updated 24 May 2026

Request exact quote Official LIC page

Plan highlights

What to review before shortlisting.

Review survival-benefit schedule and policy term
Check life-cover continuation conditions after money-back payouts
Confirm premium mode and milestone timing before shortlisting

Eligibility

Eligibility and quote checks.

Policy term and payout timing vary by product.
Final quote depends on LIC's active premium and benefit rules.

Documents

Official references.

Official LIC product page

Same category

Related official LIC plans.

LIC's Bima ShreePlan 748 · UIN 512N316V03 LIC's New Money Back Plan - 20 YearsPlan 720 · UIN 512N280V03 LIC's New Money Back Plan - 25 YearsPlan 721 · UIN 512N278V03

Calculator reference

Quote inputs

Advisor guidance

Request guidance on this plan.

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

Quote inputs