Services
We are the master in insurance.
General
General insurance or non-life insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event.
Health
Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over numerous persons.
Vehicle
Vehicle insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions.
Insurance Plans
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.
About Us
Financial Consultant
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2012
Our Humble Beginnings
I am Binay kumar. We specialize in wealth management services and Insurance consultancy services for all types of Insurance such as Pension plan,Term plan, Children education/marriage/securing future, Health Insurance, Motor Insurance, Financial Planning etc.
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Best Support
Customer Handling Experience
More than 500 Customers More than 50 death claim settlements 2 own and 48 others.
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December 2012
Transition to Full Service
We offer customized wealth solutions which help people to achieve their long term and medium term financial goals through effective financial planning since last 8 years. We have helped more than 2000 families and individuals in retirement planning, children's education planning, financial protection against any unforseen event's etc.
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July 2020
Best Customer Support
My target will be during 2020-2021 to add 10,000 families and individuals. We offer a wide range of plans of LIC to suits your diverse needs. Our clients include salaried, businessman, students, professionals, housewives, government employees and retired people.
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LIC Jeevan Anand Plan No. 915 All Details in Hindi
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Binay Kumar Financial Consultant.

LIC's Jeevan Mangal
The modes of premium payment allowable are Single Premium and Yearly, Half Yearly, Quarterly, Monthly for Regular Premium policies.

LIC’s New Jeevan Mangal Plan is a Non-Linked, Non-Participating, Individual, Life, Micro Insurance Term Plan (with Return of Premiums on Maturity).
LIC's Micro Bachat
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (Ordinary).

LIC’s Micro Bachat is a Regular Premium, Non-Linked, Participating, Individual, Life, Micro-Insurance Savings Plan with Auto Cover facility. This plan shall be available only for standard healthy lives without any medical examination. The total Basic Sum Assured under all the policies issued to an individual under this plan and under all policies issued in the earlier version of this Plan (Plan 851 with UIN 512N329V01) shall not exceed Rs 2 Lakhs (i.e. The combined Basic Sum Assured under all the policies issued to an individual in both plans 851 and 951 shall not exceed Rs 2 Lakh.
- Date: January 2020
- Company: LIC
- Category: Micro Plans

LIC'S New Jeevan Anand
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s New Jeevan Anand Plan is a non-linked, participating, individual, life assurance savings plan.
LIC'S New Jeevan Labh
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s Jeevan Labh Plan is a non-linked, participating, individual, life assurance savings plan.
LIC'S New Jeevan Lakshaya
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s Jeevan Lakshya is a non-linked, participating, individual, life assurance savings plan. This plan provides for Annual Income benefit that may help to fulfill the needs of the family, primarily for the benefit of children, in case of unfortunate death of Policyholder any time before maturity and a lump sum amount at the time of maturity irrespective of survival of the Policyholder.
LIC'S Aadhar Shila
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s Aadhaar Shila is non-linked, with-profits, regular premium endowment assurance plan. This plan is exclusively designed for female lives. This plan shall only be available for standard healthy lives without any medical examination and the total Basic Sum Assured under all the policies issued to an individual under this plan and under all policies issued in the earlier version of this Plan (Plan 844 with UIN 512N309V01) shall not exceed Rs 3 Lakhs (i.e. The combined Basic Sum Assured under all the policies issued to an individual in both plans 844 and 944 shall not exceed Rs 3 Lakh).
LIC'S Aadhaar Stambh
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s Aadhaar Stambh is non-linked, with-profits, regular premium endowment assurance plan. This plan is exclusively designed for male lives. This plan shall only be available for standard healthy lives without any medical examination and the total Basic Sum Assured under all the policies issued to an individual under this plan and under all policies issued in the earlier version of this Plan (Plan 843 with UIN 512N310V01) shall not exceed Rs 3 Lakhs (i.e. The combined Basic Sum Assured under all the policies issued to an individual in both plans 843 and 943 shall not exceed Rs 3 Lakh).
LIC'S Bima Bachat
Single Premium only.

LIC’s New Bima Bachat is a Single Premium, Non-Linked, Participating, Individual Life Assurance, money back plan.
LIC'S New Endownment
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s New Endowment Plan is a non-linked, participating, individual, life assurance savings plan.
LIC'S Single Premium Endownment Plan
This is a single premium payment plan.

LIC’s Single Premium Endowment Plan is a non-linked, participating, individual, life assurance savings plan.
- Date: January 2020
- Company: LIC
- Category: Endownment Plans

LIC'S Jeevan Arogya
Yly, Hly.

LIC's Jeevan Arogya is a unique non-participating non-linked plan which provides health insurance cover against certain specified health risks and provides you with timely support in case of medical emergencies and helps you and your family remain financially independent in difficult times. Health has been a major concern on everybody’s mind, including yours. In these days of skyrocketing medical expenses, when a family member is ill, it is a traumatic time for the rest of the family. As a caring person, you do not want to let any unfortunate incident to affect your plans for you and your family. So why let any medical emergencies shatter your peace of mind.
LIC'S Cancer Cover Plan
Yearly Mode : NIL Half Yearly Mode : 2% of Tabular Premium

This is a non-linked , regular premium payment health insurance plan which provides fixed benefit in case life assured is diagnosed with any of the specified early and /or major stage cancer during the policy term, subject to certain terms and conditions. The plan has two benefit options which have to be chosen by the proposer at the outset. Option 1: Level Sum Assured : The Basic Sum Assured remains same through out the term. Option 2 : Increasing Sum Assured : 10% increase in Sum Assured for 1st 5 years or till diagnosis of specified cancer.
- Date: January 2020
- Company: LIC
- Category: Health Plans

LIC's New Bima Shree
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s BIMA SHREE Plan is a non-linked, participating, individual, life assurance savings plan. LIC’s Bima Shree plan is a limited premium payment money back life insurance plan with minimum Basic Sum Assured of Rs. 10 lakhs especially designed for targeted segment of High Net-worth Individuals
LIC's New Money Back 20 Years
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s New Money Back Plan- 20 years is a non-linked, participating, individual, life assurance savings plan.
LIC's New Money Back 25 Years
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s New Money Back Plan- 25 years is a non-linked, participating, life assurance savings plan.
LIC's Jeevan Shiromani
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s JEEVAN SHIROMANI Plan is a non-linked, participating, individual, life assurance savings plan. It is a limited premium payment money back life insurance plan with minimum Basic Sum Assured of Rs. 1 crore especially designed for targeted segment of High Net-worth Individuals. Under this plan Guaranteed Additions shall accrue at the rate of Rs. 50 per thousand Basic Sum Assured for the first five years and Rs. 55/- per thousand Basic Sum Assured from 6th policy year till the end of premium paying term. In addition, the policy shall participate in the profits in form of Loyalty Additions
- Date: January 2020
- Company: LIC
- Category: Money Back Plans

LIC'S Tech term
Single Premium , Regular or Limited Premium - Yearly, Half yearly.

LIC's Tech-Term plan is a Non-Linked, Non-Participating, Pure Risk Premium plan which shall be sold online only and hence no intermediaries will be involved. Under this plan there is flexibility to choose from two death benefit options i.e. Level Sum Assured and Increasing Sum Assured.
LIC'S Jeevan Amar
On survival of the life assured to the end of the policy term, no maturity benefit is payable.

LIC’s JEEVAN AMAR plan is a Non-Linked, Without Profit, pure protection plan. Under this plan there is flexibility to choose from two death benefit options viz. Level Sum Assured and Increasing Sum Assured.
- Date: January 2020
- Company: LIC
- Category: Term Plans

LIC'S Jeevan Umang
The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (through NACH only) or through salary deductions (SSS).

LIC’s Jeevan Umang Plan is a non-linked, participating, individual, life assurance savings plan. This plan provides for annual survival benefits from the end of the premium paying term till maturity and a lump sum payment at the time of maturity or on death of the policyholder during the policy term.
- Date: January 2020
- Company: LIC
- Category: Whole Life Plans