# LIC Kishore — Development Officer, Cuddalore

> Personal website of Kishore S, LIC Development Officer (Class II Officer) at LIC of India's Cuddalore Branch, Tamil Nadu. Provides LIC agent recruitment guidance, Development Officer career roadmap, Bima Sakhi (MCA) scheme for women, a complete library of all 40+ active LIC plans organized by life-goal, free expert consultation to choose the right plan, and complete policy servicing across Tamil Nadu.

## Contact & Identity

- **Name:** Kishore S
- **Designation:** Development Officer, LIC of India
- **Branch:** Cuddalore Branch, Tamil Nadu
- **Service area:** Cuddalore, Chidambaram, Panruti, Virudhachalam, and across Tamil Nadu
- **WhatsApp:** +91 87782 46794
- **Phone:** +91 95001 09405
- **Email:** kishores247@licindia.com
- **Website:** https://lickishore.com

## Free Plan Consultation

LIC offers 40+ active plans. Choosing the right one alone is difficult. Kishore's team gives **free, no-obligation consultation** — they listen to your goal (children's future, retirement, home, wedding, single deposit, market growth), family situation and budget, then recommend the perfectly crafted policy.

## Complete LIC Plans Library — by life-goal category

### Children's Future
- **LIC's Amritbaal (Plan 774)** — Savings plan for kids 0–13 yrs with guaranteed additions; matures at child age 18–25.
- **LIC's Jeevan Tarun (Plan 734)** — Children's money-back with 4 maturity options.
- **New Children's Money Back Plan (Plan 732)** — Survival benefits at ages 18, 20, 22 + lump-sum at 25.

### Retirement & Pension
- **LIC's Jeevan Akshay-VII (Plan 857)** — Immediate annuity with 10 annuity options for lifetime income.
- **LIC's New Jeevan Shanti (Plan 758)** — Deferred annuity (defer 1–12 years) for higher lifelong pension.
- **LIC's Saral Pension (Plan 862)** — Standardised IRDAI immediate annuity, single or joint life.
- **LIC's New Pension Plus (Plan 867)** — Unit-linked deferred pension; market growth then annuity at vesting.
- **LIC's Smart Pension (Plan 879)** — Newest non-linked single-premium annuity with multiple options.

### Wealth Building & Big Goals (Endowment)
- **LIC's New Endowment Plan (Plan 714)** — Classic endowment, term 12–35 yrs, life cover + lump-sum maturity.
- **LIC's Jeevan Labh (Plan 736)** — Limited-premium endowment; PPT 10/15/16 yrs, PT 16/21/25 yrs.
- **LIC's Jeevan Lakshya (Plan 733)** — Goal-protection endowment; annual income to family + lump-sum on death.
- **LIC's Bima Jyoti (Plan 760)** — Non-par, guaranteed additions every year.
- **LIC's Nav Jeevan Shree (Plan 912)** — Newer non-par endowment with attractive guaranteed additions.
- **LIC's Bima Lakshmi (Plan 881)** — Participating endowment with periodic survival + maturity.

### Money Back · Periodic Cash Flow
- **LIC's Bima Shree (Plan 748)** — Money-back plan for HNI customers; periodic survival benefits.
- **New Money Back Plan – 20 Years (Plan 720)** — Cash every 5 years over 20 yrs + maturity.
- **New Money Back Plan – 25 Years (Plan 721)** — Cash every 5 years over 25 yrs + maturity.

### Single Premium / One-Time Deposit
- **LIC's Single Premium Endowment Plan (Plan 717)** — One-time premium, guaranteed lump-sum at maturity + life cover.
- **LIC's Jeevan Utsav Single Premium (Plan 883)** — Single-premium whole-life with guaranteed annual income after deferment.
- **LIC's Jeevan Akshay-VII (Plan 857) — single premium** — Immediate lifelong pension from a lump sum.
- **LIC's New Jeevan Shanti (Plan 758) — single premium** — Deferred lifelong pension from a single deposit.
- **LIC's Nivesh Plus (Plan 749)** — Single-premium ULIP for market-linked growth + insurance.

### Whole Life Cover & Lifetime Income
- **LIC's Jeevan Utsav (Plan 771)** — Whole-life with guaranteed additions + regular income option after deferment.
- **LIC's Jeevan Umang (Plan 745)** — Whole-life endowment; 8% of SA annual survival benefit till age 100.
- **LIC's New Jeevan Anand (Plan 715)** — Endowment with bonus + additional whole-life cover after maturity.

### Pure Term Protection (Highest cover, lowest premium)
- **LIC's New Tech-Term (Plan 954)** — Online term plan; high SA at very low premium.
- **LIC's New Jeevan Amar (Plan 955)** — Offline term plan with multiple SA & benefit options.
- **LIC's Digi Term (Plan 876)** — Fully digital term plan, minimal paperwork.
- **LIC's Yuva Term (Plan 875)** — Term plan tailored for younger customers.
- **LIC's Saral Jeevan Bima (Plan 859)** — Standardised IRDAI term plan.
- **LIC's Bima Kavach (Plan 887)** — New-generation term plan with flexible benefits.
- **LIC's Digi Credit Life (Plan 878)** — Digital credit-linked term; covers loan EMIs on death.
- **LIC's Yuva Credit Life (Plan 877)** — Credit-linked term for younger borrowers.

### Market-Linked Investment (ULIPs)
- **LIC's Index Plus (Plan 873)** — ULIP tracking equity indices (Nifty etc.) + life cover.
- **LIC's Nivesh Plus (Plan 749)** — Single-premium ULIP, market-linked.
- **LIC's SIIP (Plan 752)** — Systematic Investment Insurance Plan; regular-premium ULIP.
- **LIC's Protection Plus (Plan 886)** — ULIP with stronger protection element.

### Affordable Micro Insurance
- **LIC's Micro Bachat (Plan 751)** — Low-premium endowment for small savers.
- **LIC's Jan Suraksha (Plan 880)** — Affordable insurance for the masses.

### Riders (add-ons for any base policy)
- **Accident Benefit Rider** — Extra sum on accidental death/disability.
- **Accidental Death & Disability Benefit Rider** — Lump sum or income on accidental death + disability protection.
- **Premium Waiver Benefit Rider** — Waives future premiums if policyholder dies (esp. useful for child plans).
- **New Term Assurance Rider** — Adds term protection to a savings base plan.
- **Critical Illness Health Rider** — Lump-sum on diagnosis of specified critical illnesses.
- **Female Critical Illness Benefit Rider** — Critical illness rider tailored for women.
- **Linked Accidental Death Benefit Rider** — Accidental death benefit for ULIP/linked policies.

## Fast Track New Joiner Scheme (for new LIC Agents)

Newly appointed LIC Agents earn extra cash rewards on top of regular commission:

| Policies | First 3 months | First 6 months | First Agency Year |
|----------|----------------|----------------|-------------------|
| 15 | ₹3,500 | ₹2,250 | ₹1,200 |
| 25 | ₹6,000 | ₹3,750 | ₹2,000 |
| 50 | ₹12,500 | ₹7,500 | ₹4,000 |
| 100 | ₹25,000 | ₹15,000 | ₹8,000 |

**Consistent Performer Award (first agency year, active all 12 months):** ₹1,000 for 25 policies, ₹2,500 for 50, ₹5,000 for 100.

Total potential: **up to ₹53,000** in bonus during the first year.

## Agent Benefits

- 1st-year commission up to 35% (incl. bonus)
- Renewal commission 7.5% (years 2–3), 5% (year 4 onwards)
- Housing loan at concessional 5.5% rate
- Free term insurance for confirmed agents
- Gratuity up to ₹2,00,000 after 15 years
- Hereditary commission to nominees after 2+ years of service
- Cash rewards, gifts, domestic and international tours (Dubai, Singapore, Bali, Europe, Australia)
- Club Membership benefits, festival advances, office allowance
- Recognition: MDRT, Chairman's Club, Court of the Table, Top of the Table

## Frequently Asked Questions

**Q: Who can become an LIC Agent?**
A: Indian citizens aged 18+ with minimum 10th Standard. Higher qualification preferred. Complete 25 hours of IC38 training and pass the IRDAI exam (17/50).

**Q: How much can an LIC Agent earn?**
A: First-year commission up to 35%. Selling 50 policies/yr at ₹50,000 average premium earns ₹8,75,000+ first-year commission, plus renewals for 16+ years.

**Q: How do I become a Development Officer at LIC?**
A: Work as LIC Agent 5 yrs (urban) / 4 yrs (rural). Achieve ₹5 Lakhs cumulative FYP, insure 50 lives/yr. Then pass DO exam (160 marks) + 40-mark interview + medical.

**Q: What is Bima Sakhi Yojana?**
A: Government scheme for women aged 18–70 with 10th-pass qualification. Monthly stipend ₹7,000/₹6,000/₹5,000 across years 1/2/3 plus regular agent commission.

**Q: Which LIC plans offer guaranteed returns?**
A: Jeevan Utsav (771), Amritbaal (774), Bima Jyoti (760), Nav Jeevan Shree (912), Bima Lakshmi (881), Single Premium Endowment (717). All non-participating, fully guaranteed.

**Q: How do I choose the right LIC plan?**
A: With 40+ active plans, the best fit depends on age, family, income, goal (children/retirement/home/tax/single deposit) and budget. Book free consultation with Kishore's team via WhatsApp +91 87782 46794.

**Q: How do I contact Kishore?**
A: WhatsApp +91 87782 46794, call +91 95001 09405, email kishores247@licindia.com. Branch: LIC Cuddalore, Tamil Nadu.

## Disclaimer

This website is operated by Kishore S, an individual LIC Development Officer. It is **not** the official website of LIC of India. For official information, visit licindia.in.