LIC Chairman's Club Member MDRT Qualifier (USA)

Secure Your Family's Future With Trusted Financial Planning

Sujatha D. Shetty and P. D. Shetty are premier LIC wealth consultants based in Mangaluru. Specializing in highly tailored insurance solutions, guaranteed pension plans, and wealth legacy creation with dedicated doorstep services.

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20+

Years Experience

5,000+

Policies Cleared

100%

Claim Support

Happy family protected by LIC Insurance

Doorstep Service

Convenient home consultation

Sujatha D. Shetty - Elite LIC Insurance Advisor
Licensed LIC Wealth Consultants

Meet Sujatha D. Shetty & P. D. Shetty

We are certified life insurance wealth management advisors with over 20 years of dedicated service in the Mangaluru region. As a member of the elite Chairman's Club and a Million Dollar Round Table (MDRT) USA qualifier, we bring world-class asset management planning to your doorstep.

Custom Portfolio Review

We analyze your current insurance cover to find gaps.

Hassle-Free Doorstep Service

Document pickups, premium collections, and forms at your home.

Transparent Claim Settlements

End-to-end guidance and paperwork help for fast maturity/death claims.

Certified Expertise

Chairman's Club and MDRT credentials represent absolute integrity.

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Video Presentation

Watch our recent convention address and insights on how we assist families in securing their wealth and financial futures.

Professional Achievements

Aligning with global standards of financial planning and the highest levels of trust in LIC India.

Chairman's Club Member

The highest level of elite club membership recognized by LIC India. Reserved only for top-tier agents meeting stringent benchmarks in customer retention, volume of service, and ethical policy consultancy.

MDRT Qualifier (USA)

Member of the Million Dollar Round Table, USA—the Premier Association of Financial Professionals. Reaching this milestone marks international excellence in financial planning advice, customer service, and technical expertise.

Doorstep & 100% Support

We believe in building relationships. From customized risk assessment and instant doorstep premium collections to final mature claim settlement support, our team handles everything seamlessly so you remain worry-free.

Explore Hand-Picked LIC Plans

LIC offers a diverse set of plans to align with different stages of life. Select a category below to see premium plans.

Pure Protection

LIC Jeevan Kiran (Plan 870)

An excellent individual, non-linked, life insurance savings plan offering high cover with the unique advantage of return of premiums upon maturity.

  • Return of premiums on maturity
  • Tax exemptions under Sec 80C
  • Optional Accidental Riders
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High Cover Term

LIC Jeevan Amar (Plan 855)

A pure term insurance plan providing high financial security to your family at highly affordable premium rates. Available only offline.

  • Special rates for non-smokers
  • Flexibility to choose death benefit
  • High Sum Assured rebates
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Cancer Cover

LIC Cancer Cover (Plan 905)

A regular premium health insurance plan providing financial protection in case the policyholder is diagnosed with any specified early or major stage Cancer.

  • Lump-sum payout on diagnosis
  • Waiver of premium benefits
  • Income benefit option available
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Bestseller Savings

LIC Jeevan Labh (Plan 936)

A limited premium payment, non-linked, with-profits endowment plan offering high maturity returns with solid life coverage options.

  • Pay only for 10/15/16 years
  • High bonus rates declaration
  • Best for medium-to-long term goals
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Guaranteed Return

LIC Jeevan Utsav (Plan 871)

A brand new plan providing Lifetime Guaranteed Income of 10% of Sum Assured every year after deferment period. True wealth legacy plan.

  • Guaranteed lifetime additions
  • 10% Sum Assured lifetime payout
  • Loan and surrender facilities
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Whole Life + Save

LIC Jeevan Anand (Plan 915)

LIC's most iconic policy. Provides risk cover for life even after the maturity amount has been paid out. Double benefit plan.

  • Lump sum maturity + Lifetime cover
  • Accidental Death & Disability rider
  • High liquidity options (Policy Loans)
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Immediate Annuity

LIC Saral Pension (Plan 862)

A standard immediate annuity plan. Pay a single premium and start receiving a guaranteed fixed pension immediately for life.

  • Guaranteed lifetime pension rates
  • 100% Return of Purchase Price
  • Joint life annuity options available
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Deferred Annuity

LIC Jeevan Shanti (Plan 858)

A deferred single premium plan. Lock in your retirement pension rates today and start receiving payments after 1 to 12 years.

  • Higher pension rates for deferment
  • Guaranteed additions during deferral
  • Death benefit paid to nominees
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Regular Savings

LIC Jeevan Akshay VII (Plan 857)

An immediate annuity plan offering 10 different pension options to choose from, matching your precise financial situation.

  • Monthly, quarterly, yearly payouts
  • No medical check-up required
  • Increased annuity rates for high buy
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Child Education

LIC Jeevan Tarun (Plan 934)

A participatory limited premium payment plan specifically designed to meet the educational and other needs of growing children.

  • Surveys child's age from 0 to 12
  • Survival benefits from age 20 to 24
  • Lump sum maturity benefit at age 25
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Money Back Child

LIC Child Money Back (Plan 932)

A non-linked, with-profits plan providing periodic payments on the child surviving to ages 18, 20 and 22. Perfect for higher studies.

  • 20% Sum Assured paid at ages 18, 20, 22
  • Remaining 40% + Bonus paid at maturity
  • Premium Waiver Benefit Rider available
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Find Your Perfect
LIC Policy In 60 Seconds

Answer three simple questions about your family goals, and our logic engine will recommend the best-matching LIC insurance plans for you instantly.

  • No complex calculations or financial jargon
  • Saves hours researching insurance online
  • Direct access to request custom quote calculations
Step 1 of 3: Select Your Goal
Step 2 of 3: Select Your Age
Step 3 of 3: Monthly Budget
Calculated Recommendation
Perfect Match
LIC Jeevan Labh (Plan 936)

Based on your selection, we recommend the Jeevan Labh plan. It offers limited premium payment options with high guaranteed maturity bonuses.

Frequently Asked Questions

Clear, direct answers to help you understand life insurance and how we can support you.

How do I determine the right life cover amount (Sum Assured) for my family?

As a rule of thumb, your life cover should be at least 10 to 15 times your annual income. However, we calculate this precisely using the Human Life Value (HLV) method, which factors in your current savings, outstanding liabilities (like loans), children's education costs, and monthly household expenses. Contact us for a free HLV calculation session at your home.

What is the difference between an Endowment Plan and a Term Plan?

A Term Plan is pure insurance protection. You pay a low premium for high coverage, and a payout is made only in the case of the policyholder's demise during the term (Jeevan Amar has no maturity benefit, while Jeevan Kiran returns premiums). An Endowment Plan (like Jeevan Labh or Jeevan Anand) combines savings and insurance. If you survive the term, you receive a guaranteed maturity sum plus accumulated bonuses.

Do Sujatha D. Shetty & P. D. Shetty charge any consulting fees?

No, we do not charge any fees from our clients for plan advisory, portfolio audits, premium collections, or claim processing. As authorized LIC agents, all doorstep consulting and support services are completely free of charge for our policyholders.

What doorstep services are provided after I buy a policy?

Our ongoing customer support includes: doorstep collection of premium checks, automated reminders for premium renewals, updating nominee details, processing loan approvals against your policy, and absolute handholding and paperwork handling during mature survival or death claim settlements.

Can I buy LIC policies if I am an NRI (Non-Resident Indian)?

Yes, NRIs can easily purchase LIC policies. The process can be done either during your visit to India or remotely from your country of residence through mail order/video calls, depending on the plan type. Payments can be routed through your NRE/NRO bank accounts.

Contact Us

Get in touch for a free policy calculation, doorstep consultation, or claim settlement assistance.

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