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Showing posts with label LIC Agent. Show all posts
Showing posts with label LIC Agent. Show all posts

Can I Change My LIC Agent ?

One of my client ask me that their LIC agent is not cooperating / assisting to them if he is in need of any query of help, so transfer my policy under your agency name. I told them it is not possible right now because LIC has not provided Agent Portability. So if you are in need of any assistant tel me if I can do so.

During the time of buying the policy, all insurance agent claims big promises like they always take care of your policy, any other services related issue or ready to serve you in case of sudden demise of a policyholder. But the reality is little different. There are many reasons for that. One of them are mostly agent do this profession as part time job. Hence all agent not committing full time to their service. And this may be possibly that policy holder may not get proper service from their agent. 

Majority of Insurance agents does not care for after sales service however, few of them take care of their clients with a hope for further policy or references. 

LIC agent is a salesman who just acts as an intermediate between the customer and LIC of India. Once the plan is sold by the agent to the customer, then you are only a customer of LIC of India and the agent has no liability towards you. So, if your agent is not assisting you in depositing LIC Premium, or some other help then you can not do any thing. 

The only exception is being that if a plan is sold to you with improper information you can withdraw your insurance policy within 15 days.

As of now there are no such rules set either by Insurance Companies or from IRDA regarding change / port of Agent.

But if your agent has died then you can write an application to the branch and ask them to assign your policies in the name of your new agent. But it is possible only if your policy becomes an Orphan Policy

The policy (ies) initially effected by an Individual Agent whose services were subsequently terminated or removed from LIC are qualified as Orphan Policy (ies) and are qualified as Orphan Policy for the purpose of Agent Portability Rules. Except the policies whose effecting agent is entitled to renewal commission under section 44 of the Insurance Act , 1938 and The policies falling under proviso of Rule 10 (4) of LIC of India (Agents) Rules, 1972.
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How To Link Aadhar No. With Insurance Policies ?

On 08th November 2017, IRDA (Insurance Regulatory And Development Authority of India) issued a Circular No.IRDAI/SDD/MISC/CIR/248/11/2017  that linking your Aadhar No. and PAN is mandatory with all your insurance policies. Read this Circular is as below :
HOW-TO-LINK-AADHAR-WITH-LIC-POLICIES"Central Government vide gazette notification dated 1st June 2017 notified the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2017 making Aaadhar and PAN/Form 60 mandatory for availing financial services including Insurance and also for linking the existing policies with the same.
The Authority clarifies that, linkage of Aadhaar number to Insurance Policies is mandatory under the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2017.
These Rules have statutory force and, as such, Life and General Insurers (Including Standalone Health Insurers) have to implement them without awaiting further instructions".
Why it is became so important to all policy holder? It is just to save your investment from any future fraud. We have to understand the importance to link Aadhar to LIC Policies and Linking of PAN to all insurance policies you are having. 
Link-your-Aadhar-With-Insurance-Before-Get-Claim

However the question is, How to link Aadhar No. to LIC Policies? Neither IRDA nor LIC company provided any facility to link their policies with Aadhar. Though there are two ways that you can link your Aadhar no with your insurance policies.
1. Link Aadhar / PAN while buying New Policy:
If you are planning to buy any new insurance policy then there are facility to link your Aadhar No. along with your PAN by providing a self attested copy with new proposal form. 
Therefore who are buying new LIC products should no need to bother now. The process will be completed by LIC itself before issuing a new policy to you.

2. Link Aadhar / PAN to existing LIC Policies:
As I told you, as of now LIC did not came up any online linking facility to existing policies. However you can visit your branch and link Aadhar & PAN to LIC Policies. Do remember to get an acknowledgement of the same.
LIC has the main problem that they don' have any centralized system to manage all policies and customer. It will be little problematic if you have policies from different branch but if it is from same branch then it will be easy.

You can make a list of all your policies with other details like Insured Person Detail, Premium (without tax) along with a letter and self attested Aadhar copy along with PAN/Form 60 (If not provided earlier) and put request to the concerned authority/ LIC agent to do the same.


It is clearly stated in this circular that every person/entities has to link their Aadhar with all kind of insurance policies including Group Policies.

Aadhaar Number has to be captured for both Customer and Proposer.

In case where the Aadhaar number has not been assigned to a client, the client shall furnish proof of application of enrollment for Aadhaar.

The various entities and whose Aadhaar Number has to be captured is clarified as follows,

a.       Individual : The Aadhaar Number of the Individual.

b.      Company / Partnership / Trust :Aadhaar Number issued to the person holding an attorney to transact on the Company’s/Partnership’s/Trust’s behalf.

Click here to link your Aadhaar with LIC Policies

Or  

if you want to link process manually/self by visiting branch, here is the Annexure (Application Format
Application-Format-to-Link-LIC-Policy-with-Aadhaar

What is Form 60? 
Form 60 is a self declaration provided as per requirement & filled by those individuals or person who does not have a PAN ( Permanent Account Number) and who enters into any transaction specified in Rule114B.

Who Require to provide Form 60?
Some person who have insurance policies but they do not earn as per Income Tax threshold limit then they can provide Form 60. 

Before signing the declaration, this declarant should satisfy himself that the information furnished in this form is True, Correct and Complete in all respects. Any person making a false statement in the declaration shall be liable to prosecution under section 277 of the income tax act,1961 and on conviction be punishable.

HOW TO LINK STAR HEALTH INSURANCE POLICY WITH AADHAR NO.?

Here providing you the link. Click here. You will be asked for Policy No., fill up and submit it. 

An OTP will be sent on your registered email ID and your registered Mobile No., fill OTP and submit.

Now provide your Aadhaar No. and PAN no. and submit.

A massage will prompt for successfully submission of PAN And Aadhaar No.


Don't go with any spurious  call to help to link your Aadhaar with Policy. 

Don't Share your personal details with any unknown person.
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Insurance Premium Saving Factors !

Friends asks, how to save insurance premium? What are the way to save insurance premium? How I can save insurance premium? What are the factors that affect insurance premiums? Hope many of us always thinking about this. And always ask our Insurance Agent friends. 
A Lower premium paid can yield to a good amount of savings over a period of few years. Life insurance premiums are based on number of factors and it can be quite tedious for few people to understand. Like why insurance premium of  same same are not same? Why premium of same age & same amount not same? etc..
There are some factors that many insurance companies consider when pricing their policies. Those factors can effect your life insurance premium which not in our control but we can.
There are some factors listed below which affect our life insurance premiums are:

Insurance Premium Saving Factors.a) Age Factor: This is factor always affects insurance premium. If you are young the rates will be lower in comparison to someone older. The death possibility or contract to life threatening disease in younger individual are very low. The insurance companies believes that a young can pay many insurance premium installments before they have to write a cheque for your family.

b) Policy Type Factor: Different type of policy charges different types of life insurance premium for the same person for same tenure and same Sum Assured. It differs the bonus amount/ Loyalty Amount payable on that policy. Like Premium of New Jeevan Anand Policy and New Endowment Policy of 21 year old person for 20 years terms are differ.  

c) Policy Tenure Factor: The policy tenure also affects insurance premium. The longer the tenure of the policy the larger the amount of benefit at the time of death as well as lower premium amounts. Short term policy are more expensive than of long term insurance policy.

d) Rider Factors: Some policy offers riders on that particular policy. If someone opt this rider than its premium amount become higher than without rider. So when you opt it think about it.

e) Medical History Factor: Every person who like have an insurance policy need to provide their health records.These records ensures that you don't have any chronic diseases or potential health issues. This keeps a check on your premium amount.  
But if a person has medical history of serious illness like cancer, heart diseases or any other then that makes them susceptible to get these from a hereditary perspective. Which increases the individuals insurance premium by larger margin than.

f) Profession Factor: Your profession/job also plays an important role in the premium you pay for the policy you want to take. Any policy holder working in the mining industry, oil And gas, fisheries or any other dangerous profession increases the premium amount.

g) Hobby Factor: Many insurers have a higher premium for people who love to takes risks for the thrill of it, like speeding cars / car race, climbing treacherous mountains or participates in other high risks activities. Thereby increasing your premium to substantially more than other.

h) Drinking / Smoking: Insurance companies ensure to ask the applicant if they are smoker or drinker. Drinking or smoking is always injurious to health. So if you are a smoker / drinker that raises red flag to insurance companies. Mostly these kind of people pays double the insurance premium than that of non-smoker/drinker. So, avoid it.

i) Gender Factor: Insurance companies ask for your gender. This does not mean insurance companies are against gender equality, But they believes that there is a different life expectancy for different genders. As per studies and statistical findings, women are believed to live 5 years more than men at the minimum resource. Therefor affecting the premium they pay for a larger period of time but at lower rate which is a plus point for the women.
How these factors affect your insurance premium is depends on the insurance company policy about the way they treat these factors and the combination of them. Every insurance policy is based on each individual and premiums are calculated on the insurance company's rules of rating.

Consider these above factors to live a health life and save money.



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With Profit And Without Profit Plans

Many people who have their life insurance policy get notice that their plan is may be "With Profit" or "Without Profit". Some time they thought why certain plans are categorized like this. And wiling to ask their agent. Here are the answer.
An Insurance Policy can be "With" or "Without" profit. Life insurance companies from time to time declare bonus (profit share) on their plans. 
An insurance plans in which this bonus/profit share is passed on to the policy holders is called a "with profit" plan. Bonus are allotted after certain periodical valuations to the policy and are payable with the maturity amount.
But  in a "without profit" plan this bonus is not passed on to the policy holders. Therefore, the premium rate charged for a "with profit" plan is little higher than that for a "without profit" plan. 
The percentage of bonus may vary from one policy to another depending on the type, term and the premium of the respective policy, amount other considerations.
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Register and Get Facility with LIC eService Portal

LIC has comes up with some new features with Lic’s e-service. You can register your policies at LIC portal with some simple steps and save lots of time.
Lic’s e-service is an initiative is to provide you with on demand service within a few clicks! You can now have many of the functionalities that were available only at branch office, Now it will be online at your fingertips. To avail this facility you have to get register as customer on LIC portal.
How to get Register on LIC Portal:
Register-and-Get-Facility-with-LIC-eService-PortalFirst you have to visit www.licindia.in  , click on the tab “New User “ , select your own USER ID & Password and provide all the other necessary information . Now you are a registered customer portal user.

LIC’s e-services portal for customers has come up with a lot of new facilities. Now if you register you can avail the following benefits: 


1.  Online Payment Facilities:
This facility provided to pay renewal premium dues, payment, repayment and loan interest due of loan through net banking, debit card, credit card, BHIM, UPI
2.   POLICY Schedule:
First page of policy bond which constitutes policy schedule will be displayed.

3.   Policy Status :
Basic detail of policy will be displayed such as plan, term, sum assured, date of commencement, first unpaid premium etc.

4.  Bonus Status :
     Total bonus accumulated under the policy will be displayed.

5.  Loan Status :
Present loan position will be displayed such as total loan outstanding under the policy, due up to which loan interest paid etc.

6.  Claim Status:
This option will display date of survival benefit (if any) or maturity benefit due under the policy during the policy term.

7.  Revival Quotation:
Revival quotation will be provided in case of lapse  policies.

8.  Premium Due Calendar:
Detail of premium due during the year (month wise) will be displayed.

9.  Premium Paid Certificate:
Individual policy – it provides history of premium paid under a single policy during the financial year.
Consolidated – it provides history of premium paid under all the registered own life policies of the user.

10. Claim History:
 This option will provide details of any claim paid under the policy with NEFT/  Cheque details, date of payment and amount of payment.

11.  Policy bond/proposal form image;
 Scanned image of the policy bond as well as proposal form will be displayed for enrolled  policies.
12.  Grievance registration:
Facility to register a complaint /grievance with insurer.

In future the benefits will further be enhanced. If you face any problem in registering, you may contact us/your Agent or to your nearest LIC Branch.


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Tax Relief For Agents

Tax-Relief-To- LICAgentLIC agents main earning is commission. So, Income Tax Department allows some relief to favour Insurance agent. But this relief is for small commission earning agent. If commission earned from LIC insurance business is below Rs.60,000/- p.a. and if no separate books of accounts maintained then the entitlement for deduction is as follows:

i) On First Year Commission - deduction is 50%  

ii) On Renewal Commission - deduction is 15%

The LIC Commission after claiming deduction was mentioned above will be included and can be disclose with other source of income for tax purpose.

The benefit of Adhoc deduction will not be available to agents who have earned total commission of income more than Rs.60,000/- during the year.

In case gross commission earned by an Agent from LIC exceeds Rs.60,000/- per annum  then, he will be not entitled for claiming deduction referred above. He has to maintain books of accounts as required under the Income Tax Act. The following books and documents are recommended to be maintained :

1) Cash Book
2) Bank Book
3) Ledger Book
4) Journal Book
5) Vouchers And Bills
6) LIC Commission Statement
7) TDS Certificates Received from LIC
8) Bank Pass Book, Cheques Book, Deposit Voucher
9) All Other Connected Documents 


LIC Agents are entitled to claim all expenses incurred for generating LIC Commission such as :
a) Salary to Staff
b) Rent for Office Premises, in case own office then maintenance for the same
c) Fuel Expenses and maintenance for maintaining vehicles.
d) Books, Publications, Periodicals expenses connected to business
e) Printing And Stationery
f) Electricity Expenses
g) Travelling / conveyance Expenses
h) Telephone / Mobile / Internet Expenses
i) Postage Expenses
j) Depreciation Expenses on Vehicles, Computers and Other Office Equipment
k) Gifts, Diaries, Calenders Expenses etc.
l) Staff Welfare Expenses
m) Any Other Expenses related to generate commission.
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Procedure to Get Duplicate LIC Bonds

LIC Bond is the written contract form between insurer and insured, it is the most important documents from LIC point of view. And it is the main evidence for the policy holder that they are insured from LIC of India. So, keep it safe.

If it is misplaced due to some reason due to Shifting or theft or fire or any other reason you are not able to locate/find it then you can apply for duplicate LIC Insurance Policy bond.      

There are some documents and procedures to arrange and follow to get it from your your LIC Branch.

1. Go to your LIC Home Branch and ask the procedure.
2. Get Form No.3762 get type this details on Non-Judiciary Bond Papers of Rs.100/- as self                      declaration and get it notarize from the notary.

Along with above documents with One Photo ID and Address Proof  Submit these documents to your home branch. LIC may charge you some Stamp Charge require to be pay by applicant. The Stamp Charges may differ from Plan to Plan and value to Sum Assured (Sum Assured is the amount that an insurer agrees to pay on the occurrence of an event). Don't forget to take receipts for the same.

These procedure may take normally 5 to 7 working days. If facing any problem and want to know more about all these kindly contact me.
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Which is better Paid-Up or Surrender?

A life insurance policy in which if all the premium payments are complete till some specified period and insured person is free of all payment obligations and the policy stays intact until insured's death or termination by its maturity or Surrender of the policy is called Paid-Up Policy.

Life Insurance Policies usually last the insured person's lifetime or maturity period, but some some policies can be paid up completely till a specified period. Only Traditional Life Insurance Plans can be a Paid Up Policy. 

It is calculated as the ratio of number of premium paid to the total number of premiums payable multiplied by the Sum Assured value.

 i.e. Paid-Up Value = No. of Premium paid /No. Premiums Payable X Sum Assured.


For Example:  Pradip has one traditional Endowment Policy having Sum Assured Value Rs.2,00,000/- and the policy tenure is 16 years. Unfortunately Pradip did not able to continue his policy after continuing is upto 8 years full premium paid. 
Now from very next year he did not paid any due premium to make it continue, hence very next year this policy become automatically a Paid-Up policy.

Which is better Paid-Up or Surrender of Policy?
Now, Pradip has two option either he can go and surrender his policy by providing all necessary documents to the branch or let it become Paid-Up.

Also Read : How To Surrender An LIC Policy ??

A Policy can be paid-up from next premium due. Suppose I continue my policy up-to 8 years and from next year I fail to pay premium then it become automatically Paid-up to its proportionate to its  premium paid ; Payable And Sum Assured.

Every Insurance Plan has it surrender value which can be known from servicing branch. Its is approx 30% of Sum Assured in regular plan and up-to 90% in single premium plan.

If we calculate in both condition then we can make comparison itself and understand which is better. For Example you have S.A.=2,00,000/-; Tenure - 16 Years; Premium - Rs.13000 (Approx); Premium Paid up-to full 8 years.

Surrender Value : Rs.2,00,000 X 30% = Rs.60,000/-  (Immediate Payment)

Paid-Up Value : Rs.2,00,000 X 8/16 = Rs.1,00,000/- + Vested Bonus  (Payment after death or maturity)

You can decide which is better. On Surrender you will get immediate payment while on letting Paid-Up of Policy you will get after death or maturity which ever is earlier)
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LIC Delhi - Branch Addresses And Email ID

Here  I am giving you list of all LIC India branches situated in Delhi. It will help you to find its address as well as email ID to communicate with your home branches or servicing branches. LIC India has allotted email id to its all branches in a smart way. 
Suppose you are looking email id of branch 11J then email id will be BO_11J@LICINDIA.COM in same way you can write email by creating email id of your servicing branch in same as above.


BRANCH NAME BRANCH TYPE BRANCH CODE ADDRESS PINCODE
LIC of India, Delhi CAB 1021 BO 1021 LIC of India, Delhi CAB 1021 18/60, Geeta Colony Delhi 110031
LIC of India, Rohini Branch Office BO 12T 7th  Floor,Sachdeva Corporate  Tower D.D.A. Commercial Complex Rohini Sector-8, Delhi 110085
Jeevan Bharati, Tower I Zonal Office ‘01 Jeevan Bharati, Tower II, 124, connaught Circuls, New Delhi 110001
D-5,Amanpuri Satellite Office 11WT001 D-5,Amanpuri, Kanha Ram Complex,Najafgarh Road, Nangloi,New delhi 110041
LIC of India, Rajouri Garden SO, Satellite Office 0129T001 LIC of India, Rajouri Garden SO, , 2nd floor, B2 Parkash House, Rajouri Garden, Dist. West Delhi 110027
1st & 2nd floor, Plot No.4 Satellite Office 0128C001 1st & 2nd floor, Plot No.4, Community Center, Mayapuri   Phase I, New Delhi. 110064
2-A, R-Block, Satellite Office 031BT001 2-A, R-Block, , 1st floor, Uttam Nagar, New Delhi-110059 110059
JEEVAN PRAVAH Divisional Office ‘033 Jeevan Pravah, Disstt.Centre, Janakpuri, New Delhi - III 110058
2ND FLOOR, JEEVAN PRAVAH Branch Office 033B 2nd Floor, Jeevan Pravah, Disstt.Centre, Janakpuri, New Delhi 110058
2ND FLOOR, JEEVAN PRAVAH Branch Office 033B 2nd Floor, Jeevan Pravah, Disstt.Centre, Janakpuri, New Delhi 110058
4-B/2, TILAK NAGAR Branch Office 033A  4-B/2, Tilak Nagar, Delhi 110018
IST FLOOR,JEEVAN PRAVAH Branch Office 031B Ist  Floor, Jeevan Pravah, Disstt.Centre, Janakpuri, New Delhi 110058
Plot no 17,18,19, Branch Office 011W Plot no 17,18,19,, LSC,Bhera Enclave,, New Delhi 110058
A-3/24, First floor Branch Office 011A A-3/24, First floor, Janak Puri, New Delhi 110058
20A, 1ST FLOOR, SHIVAJI MARG Branch Office 129 20A, 1st Floor, ShivajiI Marg, Near Moti Nagar Police Station, New Delhi 110015
C-26-27, COMMMUNITY CENTRE Branch Office 128 C-26-27, Community Centre, Near Janak Cinema, Pankha Road, Janakpuri, New DelhiI 110058
PLOT NO.7-8, CENTRAL MARKET Branch Office 012N Plot No.7-8, Central Market, Sector 6, Dwarka, New Delhi 110075
F-WING,1ST FLOOR Branch Office 012E F-Wing,1st  Floor, Local Shopping Centre, Ring Rorad, Naraina, New Delhi 110028
1st floor, 1643 Thana Road Branch Office 011Y 1st floor, 1643 Thana Road, Najafgarh, New Delhi 110043
C-29,COMMMUNITY CENTRE Branch Office 011T C-29,Communicty Centre, Naraina Vihar Phase 1, New Delhi 110028
201, Garg Trade Centre Satellite Office 012HT001 201, Garg Trade Centre, Sector-II, Rohini 110085
C-5-6, SANJAY MARKET Branch Office 012H C-5-6, Sanjay Market, Sector 2, Rohini, New Delhi 110085
39/14, Main Bawana Road Satellite Office 012TT001 39/14, Main Bawana Road , Samaypur,Badli,, Delhi 110042
F-2/4 Satellite Office 011MT001 F-2/4, Krishna Nagar, Delhi 110051
K-59, Lajpat Nagar-2 Satellite Office 011ET001 K-59, Lajpat Nagar-2, New Delhi 110024
31, COMMUNITY CENTRE, Branch Office 312 31, Community Centre, New Friends Colony, New Delhi 110065
Splendour Forum Building Branch Office 012B Splendour Forum Building, Plot No.3, Jasola Dist.Centre, Nr. apollo Hospital, Jasola-Sarita Vihar, New Delhi 110025
703, 704, 706, NDM-2 Satellite Office 0123C001 703, 704, 706, NDM-2, Netaji Subhash Place, Pitampura 110034
Batra Cinema Complex Satellite Office 0123T001 Batra Cinema Complex, Mikerjee Nagar, Delhi 110009
G-1,MODEL TOWN Branch Office 123 G-1,Model Town, Delhi 110009
PLOT NO-16, I BLOCK, SECTOR-1 Branch Office 011L Plot No-16, I Block, Sector-1, DSIDC, Near ITI, Narela, Delhi 110040
16-A, KAMLA NAGAR Branch Office 011E 16-A, Kamla, Nagar, Delhi 110007
Sachdev Corporate Tower, Branch Office 012T Sachdev Corporate Tower,, 7th floor,Plot 8,Sec 8,, Rohini Delhi 110085
Sikka Galaxy Satellite Office 011BT001 Sikka Galaxy, Local Shopping Centre, Shreshta Vihar, Delhi 110092
SCOPE MINAR, 9TH FLOOR, Divisional Office 12 Scope Minar, 9th Floor, Laxmi Nagar, Delhi-II 110092
TIRUPATI BALAJI BUILDING Branch Office 012F Tirupati Balaji Building, 13/14, DDA Local Shopping, Centre, Pocket-II,Mayur Vihar 110091
SF-29,30,31 Branch Office 012D SF-29,30,31, Aditya Mega Mall, Near Karkardooma Court, CBD, Shahdra 110032
F-149, MAIN BAZAR, Branch Office 012K F-149, Main Bazar, Laxmi Nagar, Delhi 110092
29-30, ANUVRAT TOWER Branch Office 011P 29-30, Anuvrat Tower, Wazirpur, Community Centre, Delhi 110052
G.T. ROAD, Branch Office 011M G.T. Road, Dilshad Garden, Delhi 110092
3rd & 4th floor, Jeevan Pragati Branch Office 011D 3rd & 4th floor, Jeevan Pragati, 16. District Centre, Laxmi Nagar 110092
1st & 2nd Floor, Jeevan Pragati Branch Office 011B 1st & 2nd Floor, Jeevan Pragati, 16, District Centre, Laxmi Nagar 110092
CAB, 517, KOTHI BHAGWAN Branch Office 1021 CAB, 517, Kothi Bhagwan, Dass, Main Road Gandhi, Nagar, Delhi 110031
B 125 Hardevpuri Branch Office 012L B 125 Hardevpuri,, Sikka Neet House, Near Durgapuri Chowk Shahdara 110092
SUNLIGHT BUILDING, Branch Office 327 Sunlight Building, Ist Floor, Asaf Ali Road, Delhi 110002
JEEVAN RAKSHA BUILDING Branch Office 326 Jeevan Raksha Building, Ist  Floor, 12/1 Asaf Ali Road, New Delhi 110002
LAXMI INSURANCE BUILDING Branch Office 320 Laxmi Insurance Building, Asaf Ali Rorad, Delhi 110002
BHARAT BASE BUILDING, Branch Office 126 Bharat Base Building, Ist  Floor, 10, Daryaganj, Delhi 110002
LAXMI INSURANCE BUILDING Branch Office 116 Laxmi Insurance Building, 1st Floor, Asaf Ali Rorad, Delhi 110002
STATE BANK BUILDING Branch Office 114 State Bank Building, Chandni Chowk, Delhi 110006
2/25, ROOP NAGAR Branch Office 012P 2/25, Roop Nagar, Delhi 110007
3909-3912, HAMILTON ROAD Branch Office 012C 3909-3912, Hamilton Road,, Mori Gate, Delhi 110006
12/56, DESHBANDHU GUPTA Branch Office 011K 12/56, Deshbandhu Gupta, Road, Karol Bagh, New Delhi 110005
B-1/I-1 Satellite Office 12B/C001 B-1/I-1, OHAN Co-Operative, Industrial Estate 110044
H-39, New Asiatic Building Satellite Office 120T001 H-39, New Asiatic Building, Connaught Place, New Delhi 110001
Building No.11917 Satellite Office 0124T001 Building No.11917, Bapu Sadan, Sant Nagar, Karol Bagh, New Delhi 110005
Block 5, 4th Floor, Branch Office 311 Block 5, 4th Floor,, Shopping Complex, Rajendra Place, New Delhi 110005
Block B, Plot No.1 Satellite Office 0311T001 Block B, Plot No.1, Local Shopping Center, Vasant Kunj 110070
18A/2, Ward No. 1 Branch Office 011N 18A/2, Ward No. 1, , DESU Road, , Mehrauli, New Delhi 110030
Shop No.19 C, 19D, 20D Branch Office 127 Shop No.19 C, 19D, 20D, DDA Complex, Vasant Lok, Vasant Vihar, New Delhi 110057
H-1, First floor, Vikramditya Town Satellite Office 011ST001 H-1, First floor, Vikramditya Town, DDA Market, Alakanda   Commercial 110019
G-9, Vardhman Trade Center Branch Office 012G G-9, Vardhman Trade Center, Nehru Place, New Delhi 110001
NBCC Tower-IV, Branch Office 011X NBCC Tower-IV, , Sector-5, Pushp Vihar, Saket,, New Delhi 110017
53/54, Branch Office 011S 53/54,, Govardhan Bldg., Nehru Place, New Delhi 110001
August Kranti Bhawan Branch Office 011R August Kranti Bhawan, Plot No.25, Bhikaji Cama Place, New Delhi 110001
M-1, Branch Office 011F M-1,, South Extn. Part II, New Delhi 110019
DDA Community Center Satellite Office 0310T001 DDA Community Center, Plot No.32, Pitampura 110085
4 B.S. Zafar Marg Branch Office 031A 4 B.S. Zafar Marg, Nehru House, New Delhi 110002
Jeevan Prakash Bldg., 3rd floor Satellite Office 0112C001 Jeevan Prakash Bldg., 3rd floor, 25, K.G. Marg, Connaught Place, New Delhi 110001
Jeevan Praksh, Post Box No.102 P&GS Unit G103 Jeevan Praksh, Post Box No.102, 25, Kasturba Gandhi Marg, New Delhi 110001
F-19, United India Bldg. Branch Office 031C F-19, United India Bldg., Connaught Place, New Delhi 110001
3C-2, Branch Office 031D 3C-2,, New Rohtak Road, New Delhi 110005
16 A/8 Branch Office 012A 16 A/8, W E A Karol Bagh, New Delhi 110005
25 K.G. Marg Branch Office 011J 25 K.G. Marg, Jeevan Prakash Building, New Delhi 110001
United India Building, 3rd Floor, Branch Office 011C United India Building, 3rd Floor, , Connaught Place, , New Delhi 110001
Oriental 1st and 2nd floor Branch Office 310 Oriental 1st and 2nd floor, 86, Janpath, New Delhi 110001
F-41, first floor Branch Office 120 F-41, first floor, Connaught Place, New Delhi 110001
Building No.11917, Branch Office 124 Building No.11917,, Bapu Sadan, Sant Nagar,, Karol Bagh, New Delhi 110005
C-38, Shopping Complex Branch Office 119 C-38, Shopping Complex, Moolchand, New Delhi 110024
64 Branch Office 118 64, Janpath, New Delhi 110001
25 K.G. Marg Branch Office 117 25 K.G. Marg, Jeevan Prakash Building, New Delhi 110001
N-72 Branch Office 115 N-72, Connaught Circus, New Delhi 110001
Jeevan Tara Building Branch Office 113 Jeevan Tara Building, 1sr Floor, Gate No.4, 5 Sansad Marg, New Delhi 110001
N-69 Branch Office 112 N-69, Connaught Place, New Delhi 110001
Bombay Life Building Branch Office 111 Boombay Life Building, N Block, Connaught Place, New Delhi 110001
6/32-33 Branch Office 108 6/32-33,, Gurudwara Road, Karol Bagh, New Delhi 110005
9-10,VIPIN GARDEN Satellite Office 11YT001 9-10,Vipin Garden, Najafgarh Road, Near Metro pillar no-801,Dwarka mode (NAWADA) 110059
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