T I Sankaran Namboodiri, LIC advisor, smiling — **T I Sankaran Namboodiri** LIC Advisor · MDRT Awardee

Your LIC advisor across Kerala

Secure your family’s future with someone you can trust.

Over 30 years of honest, personal guidance on LIC plans — explained in simple words, in person or online.

📞 Call 94472 84429 💬 WhatsApp me

Free consultation for families anywhere in Kerala — on a call or in person.

30+Years of experience

200+Families served

1000+LIC policies

MDRTAward winner

T I Sankaran Namboodiri at the beach at sunset

Hello, I’m Sankaran.

For more than 30 years I have helped families all over Kerala protect what matters most. I have served over 200 families and arranged more than 1000 LIC policies, and many of those families have trusted me for generations.

I believe insurance should be simple. I will sit with you, understand your income, your family and your goals, and then explain — in plain language — which LIC plan truly fits you. No pressure, no confusing jargon.

I am based in Payyanur, but you don’t need to be nearby. We can talk online — by phone, WhatsApp or video call — wherever you are in Kerala, so you can ask all your questions from home, with your family beside you.

MDRT Award
Gold Medalist
Shatakveer Award
Top 30 Advisor Award

Which LIC plan is right for you?

Choose the group that sounds like you. Every plan is explained in simple words, and I will help you pick the best one.

For young professionals

Just started your career? The earlier you begin, the lower your premium and the longer your money has to grow. These plans give you a strong start.

Pure protection

LIC New Tech-Term

Plan No. 954

A very high life cover for a very small premium. Ideal if your family or a loan depends on your income.

Age 18–65
Cover from ₹50 lakh
Up to 40 years

See full details

Plan type: Pure term insurance — bought online (I will guide you step by step). No maturity benefit.
Entry age: 18 to 65 years
Policy term: Up to 40 years
Minimum cover: ₹50 lakh
Cover options: Level cover, or cover that increases over time (up to 2× the sum assured)
Good to know: Special rates for women; lower rates for non-smokers

💬 Ask about this plan

Savings + cover

LIC New Endowment Plan

Plan No. 714

A simple, disciplined way to save. Your family is covered during the plan, and you receive a lump sum with bonuses at the end.

Age 8–55
12–35 years
From ₹2 lakh

See full details

Plan type: Savings plan with life cover, shares in LIC profits (bonuses)
Entry age: 8 to 55 years (maturity by age 75)
Policy term: 12 to 35 years
Sum assured: From ₹2,00,000, no upper limit
At maturity: Sum assured plus bonuses
If the policyholder passes away: Higher of 125% of sum assured or 7× annual premium, plus bonuses — never less than 105% of premiums paid
Extras: Loan facility after 1 year of premiums; option to receive benefits in instalments; optional riders

💬 Ask about this plan

Savings + cover

LIC Jeevan Labh

Plan No. 736

Pay premiums for only 10, 15 or 16 years, yet stay covered for much longer. Great if you want to be free of premiums early.

Age 8–59
16, 21 or 25 years
From ₹2 lakh

See full details

Plan type: Limited-premium savings plan with life cover, shares in LIC profits (bonuses)
Entry age: 8 to 59 years (depends on the term chosen)
Policy term: 16, 21 or 25 years
You pay for: 10, 15 or 16 years (matched to the term)
Sum assured: From ₹2,00,000
At maturity: Sum assured plus bonuses
If the policyholder passes away: Higher of the sum assured or 7× annual premium, plus bonuses — never less than 105% of premiums paid
Extras: Loan after 2 years of premiums; benefits can be taken in instalments; optional riders

💬 Ask about this plan

For working people

Whether you are salaried, run your own business, or earn daily wages — these plans protect your family and turn your regular income into lasting security.

Savings + lifetime cover

LIC New Jeevan Anand

Plan No. 715

Get a lump sum at the end of the plan, and your family stays protected for your whole life — the cover does not stop at maturity.

Age 18–50
15–35 years
From ₹1 lakh

See full details

Plan type: Savings plan combined with whole-life cover, shares in LIC profits (bonuses)
Entry age: 18 to 50 years
Policy term: 15 to 35 years
Sum assured: From ₹1,00,000, no upper limit
At maturity: Sum assured plus bonuses
If the policyholder passes away during the term: Higher of 125% of sum assured or 7× annual premium, plus bonuses — never less than 105% of premiums paid
After the term ends: Life cover continues — the basic sum assured is paid to your nominee
Extras: Loan after 3 years of premiums; optional riders

💬 Ask about this plan

Income for life

LIC Jeevan Umang

Plan No. 745

Once you finish paying premiums, receive a yearly income — every year, up to age 100 — while your family stays covered for life.

Age 90 days–55
Cover to age 100
8% yearly income

See full details

Plan type: Whole-life plan with a regular yearly income, shares in LIC profits (bonuses)
Entry age: 90 days to 55 years
Cover: Lifelong — up to age 100
Yearly income: 8% of the sum assured, every year after the premium-paying period
At age 100: Sum assured plus bonuses
If the policyholder passes away: Higher of the sum assured or 7× annual premium, plus bonuses

💬 Ask about this plan

Pure protection

LIC Saral Jeevan Bima

Plan No. 859

A simple, low-cost protection plan with standard terms that are easy to understand. A good fit for tight budgets.

Age 18–65
5–40 years
₹5–25 lakh cover

See full details

Plan type: Pure term insurance — low cost, no maturity benefit
Entry age: 18 to 65 years
Policy term: 5 to 40 years
Sum assured: ₹5 lakh to ₹25 lakh
If the policyholder passes away: The sum assured is paid to your family

💬 Ask about this plan

For parents & families

Plan ahead for your child’s education and career, and make sure your family’s goals stay on track even if you are not there.

Child plan

LIC Jeevan Tarun

Plan No. 734

Money for your child’s college and career years — yearly payouts from age 20 to 24, and a final amount at age 25.

Child age 0–12
Payouts at 20–24
Matures at 25

See full details

Plan type: Child plan with yearly payouts, shares in LIC profits (bonuses)
Child’s age at entry: 0 to 12 years
Yearly payouts: 5% to 15% of the sum assured each year, from age 20 to 24 (depends on the option you choose)
At age 25: 25% to 100% of the sum assured (depends on the option), plus bonuses
If the policyholder passes away: Higher of 7× annual premium or 125% of sum assured, plus bonuses

💬 Ask about this plan

Protection + savings

LIC Jeevan Lakshya

Plan No. 733

Built for parents with big goals. If something happens to you, your family still receives a yearly income. You get a lump sum if you complete the plan.

Age 18–50
13–25 years
Yearly income for family

See full details

Plan type: Protection plus savings, shares in LIC profits (bonuses)
Entry age: 18 to 50 years
Policy term: 13 to 25 years
At maturity: Sum assured plus bonuses
If the policyholder passes away: Your family receives a lump sum (higher of 7× annual premium or 110% of sum assured) plus a yearly income benefit and bonuses — never less than 105% of premiums paid

💬 Ask about this plan

Planning for retirement?

Let’s plan your pension together

LIC has pension (annuity) plans that turn your savings into a regular income for life. For retirement, LIC Jeevan Umang above also gives a yearly income up to age 100. LIC updates its pension plans often, so call me and I will tell you exactly what is available today and what suits your age and savings.

💬 Ask about pension plans

The plan details above are a short summary for general information. Exact benefits, premiums and conditions are as stated in the official LIC brochure and policy document — I will show you the latest brochure before you decide.

How it works

Three easy steps. No office visits, no pressure — you can do it all from home.

Call or WhatsApp meTell me a little about yourself and your family.
We talk, online or in personWe go through it together on a call, or in person if you prefer, and I explain the right plans in simple words.
You decide, I helpPick the plan you are comfortable with and I take care of the paperwork.

Secure your family’s future with someone you can trust.

Hello, I’m Sankaran.

Which LIC plan is right for you?

For young professionals

LIC New Tech-Term

LIC New Endowment Plan

LIC Jeevan Labh

For working people

LIC New Jeevan Anand

LIC Jeevan Umang

LIC Saral Jeevan Bima

For parents & families

LIC Jeevan Tarun

LIC Jeevan Lakshya

Planning for retirement?

Let’s plan your pension together

How it works

Let’s talk about your family’s future