Life Insurance Corporation of India

🌼🌼🌼 *ॐ गणेशाय नमः* 🌼🌼

*✍" भीतर क्षमा हो, तो क्षमा निकलेगी..!!*
*" भीतर क्रोध हो, तो क्रोध निकलेगा..!!*
*" भीतर प्रार्थना हो, तो प्रार्थना निकलेगी..!!*
*" भीतर नफरत हो, तो नफरत निकलेगी..!!*
*" इसलिए जब भी कुछ बाहर निकले ,*
*' तो दूसरे को दोषी मत ठहराना..!*
*" यह हमारी ही संपदा है जिसको ,*
*' हम अपने भीतर छिपाए हैं..!!*
🌻🌻🌻🌻🌻🌻
*✍अजीब खेल है उस परमात्मा का*
*लिखता भी वही है*
*मिटाता भी वही है*
*भटकाता है राह तो*
*दिखाता भी वही है*
*उलझाता भी वही है*
*सुलझाता भी वही है*
*जिंदगी की मुश्किल घड़ी में*
*दिखता भी नहीं मगर*
*साथ देता भी वही हैं*
🌻🌻🌻🌻🌻🌻

Many of life's failures are people who did not realize how close they were to success when they gave up.

✍
*मिलिन्द से. बिजेवार*
*इन्शुरन्स और इन्वेस्टमेंट सलाहाकार*
*9860264749*

*🌻🌻🌻 शुभ प्रभात 🌻🌻🌻*
*🙏🏼🙏🏽 जय हो विध्नहर्ता श्री गणेश की*🙏🏻🙏

🌳🌳🌳 *On The Day* 🌳🌳🌳

Success is often the result of taking a misstep in the right direction.

*Milind S. Bijewar*
*Insurance & Investment Consultant*

🌱🌱 *GOOD MORNING* 🌱🌱

*LIC_बोनस विषयी अत्यंत महत्त्वाचे -*

कळविण्यात अत्यंत 'आनंद वाटतो की *LIC_ARTICLE 1956* नुसार *LIC* दरवर्षी होणारा नफ्यायातील *5% SURPLUS* रक्कम केंद्र सरकारला देते , तर *95% रक्कम सव॔ पाॅलिसी धारकांमध्ये Bonus म्हणुन वाटली जाते*.. *Bonus* विमा रक्कमेवर *(Sum Assured )* दिला जातो व *31 माच॔ रोजी* *LIC च्या रेकॉर्डवर असलेल्या प्रत्येक विमा पाॅलिसीला बोनस मिळतो..*
मागील वष॔ LIC ने वाटलेल्या *Bonus* ची एकुण रक्कम *31 हजार कोटी* एवढी प्रचंड होती. साधारणपणे *प्रतिहजारी 40 ते 55 असा Bonus* चा दर असतो म्हणजे *10 लाखाची पाॅलिसी असेल तर सरासरी 55000 एवढा Bonus* दरवर्षी मिळेल *तेव्हा 31 माच॔ 2018 पुर्वी पाॅलिसीज घेतल्याने त्यांना संपूर्ण 1 वर्षाचा Bonus मिळेल...!*

विशेषतः-एवढ्या मोठ्या प्रमाणात बोनस देणारी *LIC* ही जगातील एकमेव विमा संस्था आहे...

अधिक माहिती करता मला संपर्क करा,,,,

*मिलिन्द से. बिजेवार*
*इन्शुरन्स आणि इन्वेस्टमेंट सलाहकार*
9860264749 / 9049992776

जिंदगी के साथ भी जिंदगी के बाद भी !

🧣🧣🧣 *On The Day* 🧣🧣🧣

Many of life's failures are people who did not realize how close they were to success when they gave up.

*Milind S. Bijewar*
*Insurance & Investment Consultant*

🧤🧤 *Good Morning*🧤🧤

🚴🏻‍♂🚴🏻‍♂🚴🏻‍♂ *On The Day* 🚴🏻‍♂🚴🏻‍♂🚴🏻‍♂

What separates those who achieve from those who do not is in direct proportion to one's ability to ask for help.

*Milind S Bijewar*
*Insurance & Investment Consultant*

🚵🏻‍♀🚵🏻‍♀ *Good Morning* 🚵🏻‍♀🚵🏻‍♀

🌞🌞 *Gyan of the day* 🌞🌞

Success requires first expending ten units of effort to produce one unit of results. Your momentum will then produce ten units of results with each unit of effort.

🌞🌞 *Good Morning* 🌞🌞

Call me,,,,

श्री. / सौ./ कु./ सर / मँडम..
नमस्कार,
*8 मार्च रोजी जागतिक महिला दिनानिमित्त LIC ची महिलांसाठी एक विशेष योजना* ..

*बचत करा 100* रुपये रोज फ़क्त 16 वर्ष व पुढील 9 वर्षाचा प्रीमियम माफ़ आणि
25 व्या वर्षी *21,60,000* रुपयांची एक रकमी Maturity घ्या"..
किंवा
*21,60,000* LIC कड़ेच ठेवून
दरवर्षी *1,46,000* रुपये पुढील 50 वर्षासाठी मिळवा आणि तुमच्यानंतर *22 लाख* तुमच्या कुटुंबाला मिळतील.
(एकूण फायदा 95 लाखाचा)..

*सदर योजना 18 ते 50 वयोगटातील व्यक्ति घेवू शकते*

8 मार्च रोजी किमान 100 रुपये भरून ही योजना बुक करू शकता.(Last date 31st March)..

उरलेली रक्कम व कागदपत्रे पुढील 4 दिवसात जमा करणे अनिवार्य राहील.

सदर योजनेत मासिक/तिमाही/अर्धवार्षिक/वार्षिक हफ्ता भरावा लागेल.

LIC च्या इतर अटी आणि शर्ती ची पूर्तता होणे आवश्यक आहे.

योजनेत सामिल होण्याकरिता खालील कागदपत्रांची पूर्तता करावी..
*1. वयाचा दाखला - आधार कार्ड*
*2. एक पासपोर्ट साइज़ कलर फ़ोटो*
*3. बॅक चेकची झेरॉक्स*
*4. NACH फॉर्म*

*सदर योजनेत सामिल होण्याकरिता संपर्क करावा कीवां watsaap करवा .*

नाव - *मिलिन्दं से. बिजेवार*
मोबाईल नं. - *९८६०२६४७४९*
*विमा प्रतिनिधी LIC OF INDIA*

🌺🌺🌼🌼🌼🌼🌼🌼🌼🌺🌺

🌸🌸💐💐💐💐💐💐💐🌸🌸

*एलआईसी की नयी योजना बीमा डायमंंड* *(प्लान न. 841)*

*एलआईसी की बीमा डायमंड में ऑटो कवर*

“ऑटो कवर अवधि” वह अवधि है जिसमें पॉलिसी के एक निश्चित समय तक चलने के उपरांत अगर आगे की प्रीमियम ना जमा हो, तो भी एक निश्चित अवधि तक पॉलिसी धारक को पूर्ण जीवन बीमा कवर का लाभ मिलता है। “ऑटो कवर अवधि” पहली अदत्त प्रीमियम (FUP) से चालू होती है जिसमे प्रीमियम भुगतान के लिये दी गई ग्रेस अवधि भी शामिल होती है। बीमा डायमंड में “ऑटो कवर अवधि” निम्नानुसार उपलब्ध होगी:

अगर पॉलिसी मे कम से कम तीन सालों की सम्पूर्ण प्रीमियम जमा की जा चुकी हो परंतु पाँच वर्ष की पूर्ण प्रीमियम से कम हो, एवं आगे की प्रीमियम ना जमा की गयी हो: प्रथम अदत्त प्रीमियम (FUP) से छ: माह की “ऑटो कवर अवधि” उपलब्ध है।
अगर पॉलिसी मे कम से कम की पाँच वर्ष की पूर्ण प्रीमियम जमा की जा चुकी हो, एवं आगे की प्रीमियम ना जमा की गयी हो: प्रथम अदत्त प्रीमियम (FUP) से दो साल की “ऑटो कवर अवधि” उपलब्ध है।

*एलआईसी बीमा डायमंड मेंं उपलब्ध हितलाभ*

एलआईसी बीमा डायमंड मेंं उपलब्ध विभिन्न हितलाभ निम्नानुसार हैं:

*एलआईसी बीमा डायमंड में मृत्यु हितलाभ*

बीमा धारक की परिपक्वता दिनाँक से पहले मृत्यु होने की दशा में (अगर पॉलिसी पूर्ण रूप से चालू हो तो)

बीमा डायमंड पॉलिसी के प्रथम 5 वर्षों के दौरान बीमा धारक की मृत्यु होने पर नोमिनी को “मृत्यु बीमाधन” देय होगा

पॉलिसी के 5 वर्षों के बाद परन्तु परिपक्वता दिनाँक से पहले बीमा धारक की मृत्यु होने पर नोमिनी को “मृत्यु बीमाधन” के साथ सहभागिता हितलाभ (Loyalty Addition), अगर कोई हो तो देय होगा

जहाँ “मृत्यु बीमाधन” जमा की जा चुकी कुल प्रीमियम के 105% से कम नही होगा। यहाँ उल्लेखित प्रीमियम में किसी भी तरह का कर, अतिरिक्त प्रीमियम एवं राइडर प्रीमियम के बिना है।

बीमा धारक की परिपक्वता दिनाँक के बाद विस्तारित जीवन बीमा कवर (Extended Life cover) के दौरान मृत्यु होने की दशा में

बेसिक बीमाधन का 50% नोमिनी को देय होगा।

*एलआईसी बीमा डायमंड में विघमानता हितलाभ* (Survival Benefit)

अगर बीमा धारक पॉलिसी अवधि के दौरान एक निश्चित अवधि तक जीवित रहता है तो, मूल बीमा धन के एक निश्चित प्रतिशत के बराबर की राशि विघमानता हितलाभ के रूप में बीमा धारक को देय होगी। पॉलिसी में उपलब्ध विघमानता ह



मी व माझ्या कुटुंबियांच्या वतीने आपणास व आपल्या परिवारातील सर्वांना दिवाळीच्या हार्दिक हार्दिक शुभेच्छा...
रांगोळीच्या सप्तरंगात सुखाचे दिप उजळू दे,
लक्ष्मीच्या पावलांनी घर सुख समृध्दीने भरू दे.
दीपावलीच्या शुभक्षणांनी आपली सारी स्वप्न साकार व्हावी,
ही दिवाळी आपल्यासाठी एक अनमोल आठवण ठरावी, आणि त्या आठवणीने आपलं आयुष्य अधिकाधिक सुंदर व्हावं,
 *धनलक्ष्मी, धान्यलक्ष्मी, धैर्यलक्ष्मी, शौर्यलक्ष्मी, विद्यालक्ष्मी, कार्यलक्ष्मी, विजयालक्ष्मी, राजलक्ष्मी..!*
या दिपावलीत या अष्टलक्ष्मी तुमच्यावर धनाचा वर्षाव करोत…


✨✨✨✨✨✨✨✨✨✨✨
*दिवाळीच्या लक्ष लक्ष शुभेच्छा..*


 *मिलीन्दं से. बिजेवार* 
*L. I. C. Of India*
*वित्तीय सलाहकार* 
or
*United India  General Insurance*
 *Advisor* 

All type insurance,,, Life Insurance,, Two wheeler,,,Four wheeler,,, fire insurance,,,,Medical Insurance
Pan card ,,,Passport

Mo no. - 9⃣8⃣6⃣0⃣2⃣6⃣4⃣7⃣4⃣9⃣

Breaking news
Govt: Cuts Interest Rate On Public Provident Fund To 8.1% From 8.7%
Govt: Cuts Interest Rate On Kisan Vikas Patra To 7.8% From 8.7%
Govt: Cuts Interest Rate On 1-Year Time Deposit To 7.1% From 8.4%
Govt: Cuts Interest Rate On 2-Year Time Deposit To 7.2% From 8.4%
Govt: Cuts Interest Rate On 3-Year Time Deposit To 7.4% From 8.4%
Govt: Cuts Interest Rate On 5-Year Time Deposit To 7.9% From 8.5%
Sukanaya Sumruddhi Scheme rate reduced from 9.2% to 8,6%
Sr Citizen Saving Scheme rate reduced by 1%
But Return on LICI's Jeevan Akshay VI will never be reduced..
Take Decision today

Do you feel that competition in Indian life insurance industry is very high???
what is the population of USA?
its 37 crore.
Hw many life insurance companies in USA?
1875
Population of Japan?
9 crore
Hw many life insurance companies there?
1085
Population of Srilanka?
4 crore
No. Of companies there?
95 life insurance companies
Population of INDIA?
130 Crore (approximate.)
No. Of life insurance companies?
24 !!!

♥

LIC LAUNCH NEW. " JEEVAN LABH " PLAN

More or attractive benefits

More ditels pls contact

MILIND S. BIJEWAR
Financial Advisor
9860264749

ONLY PLAN in the world that gives FIXED and GUARANTEED monthly PENSION LIFETIME is

LIC'S - Jeevan Akshay

1990 - RBI int 14% LIC - 12%: LIFETIME - continue even today

1995 - RBI 13% - LIC 12% LIFETIME so continue even today

2000 - RBI 12% - LIC 10% LIFETIME so continue even today

2005 - RBI 10% - LIC 9% LIFETIME so continue even today

2015 - RBI 9% -: LIC -pension plan 7•5% LIFETIME - would be better placed in 2020 when RBI rate would be - 5% or less.

Invest in LIC'S pension plan TODAY and get ASSURED income for self and spouse, LIFETIME.

1st September.. 1956..💐
👉A historic day for Our Mother Institution..
👉LIC founded on the day..
👉A successful journey of 59 years..
👉The company with present market value
20+ lacs Crore..
(20000000000000/-Rs.)
👉No. 1 financial institute of Govt. Of India..
👉With Market Share of 78% in policy & 69% in premium as on 31 March 2015..
👉We served 30+ Crore policyholders..
👉2.32 lacs claim paid in LY with total amount 90000+ Crore..
👉Highest Winners of award in the insurance industries..
👉No. 1 Service Brand in INDIA..
💪Proud to be LICIANS...💪
✌Salute to our Mother Institute LIC.. ✌

A Bunch of All Good Wishes. To You & Your Family members.. & all LICIANS..
🙏Long Live LIC..🙏

Brief History Of Insurance

The story of insurance is probably as old as the story of mankind. The same instinct that prompts modern businessmen today to secure themselves against loss and disaster existed in primitive men also. They too sought to avert the evil consequences of fire and flood and loss of life and were willing to make some sort of sacrifice in order to achieve security. Though the concept of insurance is largely a development of the recent past, particularly after the industrial era – past few centuries – yet its beginnings date back almost 6000 years.

Life Insurance in its modern form came to India from England in the year 1818. Oriental Life Insurance Company started by Europeans in Calcutta was the first life insurance company on Indian Soil. All the insurance companies established during that period were brought up with the purpose of looking after the needs of European community and Indian natives were not being insured by these companies. However, later with the efforts of eminent people like Babu Muttylal Seal, the foreign life insurance companies started insuring Indian lives. But Indian lives were being treated as sub-standard lives and heavy extra premiums were being charged on them. Bombay Mutual Life Assurance Society heralded the birth of first Indian life insurance company in the year 1870, and covered Indian lives at normal rates. Starting as Indian enterprise with highly patriotic motives, insurance companies came into existence to carry the message of insurance and social security through insurance to various sectors of society. Bharat Insurance Company (1896) was also one of such companies inspired by nationalism. The Swadeshi movement of 1905-1907 gave rise to more insurance companies. The United India in Madras, National Indian and National Insurance in Calcutta and the Co-operative Assurance at Lahore were established in 1906. In 1907, Hindustan Co-operative Insurance Company took its birth in one of the rooms of the Jorasanko, house of the great poet Rabindranath Tagore, in Calcutta. The Indian Mercantile, General Assurance and Swadeshi Life (later Bombay Life) were some of the companies established during the same period. Prior to 1912 India had no legislation to regulate insurance business. In the year 1912, the Life Insurance Companies Act, and the Provident Fund Act were passed. The Life Insurance Companies Act, 1912 made it necessary that the premium rate tables and periodical valuations of companies should be certified by an actuary. But the Act discriminated between foreign and Indian companies on many accounts, putting the Indian companies at a disadvantage.

The first two decades of the twentieth century saw lot of growth in insurance business. From 44 companies with total business-in-force as Rs.22.44 crore, it rose to 176 companies with total business-in-force as Rs.298 crore in 1938. During the mushrooming of insurance companies many financially unsound concerns were also floated which failed miserably. The Insurance Act 1938 was the first legislation governing not only life insurance but also non-life insurance to provide strict state control over insurance business. The demand for nationalization of life insurance industry was made repeatedly in the past but it gathered momentum in 1944 when a bill to amend the Life Insurance Act 1938 was introduced in the Legislative Assembly. However, it was much later on the 19th of January, 1956, that life insurance in India was nationalized. About 154 Indian insurance companies, 16 non-Indian companies and 75 provident were operating in India at the time of nationalization. Nationalization was accomplished in two stages; initially the management of the companies was taken over by means of an Ordinance, and later, the ownership too by means of a comprehensive bill. The Parliament of India passed the Life Insurance Corporation Act on the 19th of June 1956, and the Life Insurance Corporation of India was created on 1st September, 1956, with the objective of spreading life insurance much more widely and in particular to the rural areas with a view to reach all insurable persons in the country, providing them adequate financial cover at a reasonable cost.

LIC had 5 zonal offices, 33 divisional offices and 212 branch offices, apart from its corporate office in the year 1956. Since life insurance contracts are long term contracts and during the currency of the policy it requires a variety of services need was felt in the later years to expand the operations and place a branch office at each district headquarter. Re-organization of LIC took place and large numbers of new branch offices were opened. As a result of re-organisation servicing functions were transferred to the branches, and branches were made accounting units. It worked wonders with the performance of the corporation. It may be seen that from about 200.00 crores of New Business in 1957 the corporation crossed 1000.00 crores only in the year 1969-70, and it took another 10 years for LIC to cross 2000.00 crore mark of new business. But with re-organisation happening in the early eighties, by 1985-86 LIC had already crossed 7000.00 crore Sum Assured on new policies.

Today LIC functions with 2048 fully computerized branch offices, 109 divisional offices, 8 zonal offices, 992 satallite offices and the Corporate office. LIC’s Wide Area Network covers 109 divisional offices and connects all the branches through a Metro Area Network. LIC has tied up with some Banks and Service providers to offer on-line premium collection facility in selected cities. LIC’s ECS and ATM premium payment facility is an addition to customer convenience. Apart from on-line Kiosks and IVRS, Info Centres have been commissioned at Mumbai, Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, New Delhi, Pune and many other cities. With a vision of providing easy access to its policyholders, LIC has launched its SATELLITE SAMPARK offices. The satellite offices are smaller, leaner and closer to the customer. The digitalized records of the satellite offices will facilitate anywhere servicing and many other conveniences in the future.

LIC continues to be the dominant life insurer even in the liberalized scenario of Indian insurance and is moving fast on a new growth trajectory surpassing its own past records. LIC has issued over one crore policies during the current year. It has crossed the milestone of issuing 1,01,32,955 new policies by 15th Oct, 2005, posting a healthy growth rate of 16.67% over the corresponding period of the previous year.

From then to now, LIC has crossed many milestones and has set unprecedented performance records in various aspects of life insurance business. The same motives which inspired our forefathers to bring insurance into existence in this country inspire us at LIC to take this message of protection to light the lamps of security in as many homes as possible and to help the people in providing security to their families.

Some of the important milestones in the life insurance business in India are:

1818: Oriental Life Insurance Company, the first life insurance company on Indian soil started functioning.

1870: Bombay Mutual Life Assurance Society, the first Indian life insurance company started its business.

1912: The Indian Life Assurance Companies Act enacted as the first statute to regulate the life insurance business.

1928: The Indian Insurance Companies Act enacted to enable the government to collect statistical information about both life and non-life insurance businesses.

1938: Earlier legislation consolidated and amended to by the Insurance Act with the objective of protecting the interests of the insuring public.

1956: 245 Indian and foreign insurers and provident societies are taken over by the central government and nationalised. LIC formed by an Act of Parliament, viz. LIC Act, 1956, with a capital contribution of Rs. 5 crore from the Government of India.

The General insurance business in India, on the other hand, can trace its roots to the Triton Insurance Company Ltd., the first general insurance company established in the year 1850 in Calcutta by the British.

Some of the important milestones in the general insurance business in India are:

1907: The Indian Mercantile Insurance Ltd. set up, the first company to transact all classes of general insurance business.

1957: General Insurance Council, a wing of the Insurance Association of India, frames a code of conduct for ensuring fair conduct and sound business practices.

1968: The Insurance Act amended to regulate investments and set minimum solvency margins and the Tariff Advisory Committee set up.

1972: The General Insurance Business (Nationalisation) Act, 1972 nationalised the
general insurance business in India with effect from 1st January 1973.

107 insurers amalgamated and grouped into four companies viz. the National
Insurance Company Ltd., the New India Assurance Company Ltd., the
Oriental Insurance Company Ltd. and the United India Insurance Company
Ltd. GIC incorporated as a company.