As individuals it is inherent to differ. Each individual's insurance needs and requirements are different from that of the others. LIC's Insurance Plans are policies that talk to you individually and give you the most suitable options that can fit your requirement.

Child Plan

At Guru financial services we make sure that you get right plan for your Children. Following are the some of the child insurance policies through which parents or legal guardians can provide for life insurance for their child from birth.

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Jeevan Chaya , Jeevan Kishore, Komal Jeevan, Child Career, Child Future, Jeevan Ankur, Jeevan Saral

Endowment Plan

The plan is assured has to pay an annual premium which is determined on the basis of the assured age at entry and the term of the policy. The insured amount is payable either at the end of specified number of years or upon the death of the insured person, whichever is earlier. Following are some of the endowment plan option.

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Jeevan Anand , Jeevan Mitra Double Cover, Jeevan Mitra Triple Cover

Health Plan

Health is a major concern on everybody's mind these days. With sky rocketing medical expenses, the possibility of any illness leading to hospitalization or surgery is a constant source of anxiety unless the family has actively provided for funds to meet such an eventuality. Most families rarely provide for healthcare, and even if they do, it is grossly inadequate. Given this scenario, a unique long term health insurance plan that can combine health insurance for entire family (husband, wife and children) with the following health plan.

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Jeevan Arogya

Whole Life Plan

This plan is mainly devised to create an estate for the heirs of the policyholder as the plan basically provides for payment of sum assured plus bonuses on the death of the policyholder. However, considering the increased longevity of the Indian population, the Corporation has amended the above provision, thereby providing for payment of sum assured plus bonuses in the form of maturity claim on completion of age 80 years or on expiry of term of 40 years from date of commencement of the policy whichever is later. Suitable For: This policy is suitable for people of all ages who wish to protect their families from financial crises with the flowing plans.

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Jeevan Arogya

Money Back Plan

Unlike ordinary endowment insurance plans where the survival benefits are payable only at the end of the endowment period, this scheme provides for periodic payments of partial survival benefits as follows during the term of the policy, of course so long as the policy holder is alive.(Jeevanchaya)

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Bhima Bachat , Jeevan Surabhi 15 years, Jeevan Surabhi 20 years, Jeevan Surabhi 25 years, New Bhima GoldPlan 75 -20, Plan 93 -25

Pension Plan

An excellent plan with money is available at regular intervals by way of survival benefit installment. Premiums are to be paid till end of the term or until death, whichever is earlier, Survival benefit is paid as a percentage of S.A. After every 5 years. The policy holder should be major at the time when IST survival benefits are paid. Adjustment of survival benefit already paid in case of death before maturity.

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Jeevan Nidhi , Jeevan Akshay

Term Plan

Provides risk cover at a very low cost. On death within policy term, Sum Assured is payable to the nominee. Following are some of the term plans.

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Anmol Jeevan, Amulya Jeevan , Bima Account 805, Bima Account 806

Unit Linked Plan

Unit plans are investment plans for those who realise the worth of hard-earned money. These plans help you see your savings yield rich benefits and help you save tax even if you don't have consistent income. Following are some the unit linked plans.

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Endowment Plus , Pension Plus