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What u told is true I am facing headache while maturity. They are not given in time and careless to customers. Agents are acting only in first time for booking policy after they they are not on contact. Don't take lic policy.
All insurance policies give the same returns (IRR 5 to 6). Insurance is taken for uncertainty purposes, not for investment. Risk coverage is high with insurance instead of returns. Based on people's mindsets, investment plans were introduced. Finally, my conclusion is that if there is any risk, then only people will realise the importance of the insurance valve. At that time, the money-purse team will not help, index funds, or share the market. The Money Purse team is focused on referral programmes and promotions. I strongly suggest taking the Umag or Utsav policy, which is better.
అవును, ఇప్పటి ఈ Lic దుస్థితి కి ఆ ఉద్యోగుల బలుపె కారణం, ఆమ్మో మళ్ళీ కొత్త Lic తీసుకోవద్దురా అనిపించేలా ప్రవర్తిస్తారు, ex:- hyd lic బడ్లగూడ బ్రాంచ్ లో ఇది వరకు నాకు అనుభవమైంది, ఒక టీబిల్ నుండి ఇంకో teble మాది కాదంటే మాది కాదు అంటూ తిప్పించారు 7😡
@@kanumallahanumantharao6487నీకు lic office లో మంచి వాళ్లు కనపడతారు, పాలసీ తీసుకున్న వాళ్లు మీకు పిచ్చోళ్ళు లాగా కనబడతారు, కస్టమర్ లేకపోతే మీ బ్రతికే లేదు మీ లాంటి వాళ్ల వలన , Bsnl , పోస్టు ఆఫీసు , గవర్నమెంట్ ఎంటర్ప్రైజెస్ మట్టిలో కలిసిపోతున్నాయి
సాయి గారు ,నేను 2008 లో lic పాలసీ నేను తమిళనాడు లో తీసుకున్న టైం కంప్లీట్ అయింది క్లెయిమ్ కోసం హైదరాబాద్ కూకట్పల్లి బ్రాంచ్ కి వెళ్ళాను.మీరు చెప్పినట్లే మా బ్రాంచ్ కాదు అక్కడీకే వెళ్ళండి అన్నారు ,కాని నేను కొంచెం గట్టిగా అడిగితే manager గారు నా ఒరిజినల్ కాపీస్ తీసుకుని స్కాన్ చేసి తమిళనాడు ఆఫీసర్ తో మాట్లాడి ఇష్యూ క్లోస్ చేశారు. కొంచెం ఇబ్బందే కానీ అడగాలి అడగాలి
Hi @gopinaudu Don't worry sir. I am an LIC agent, you need not to visit the your own branch. Please send an email to your owned lic branch to shift your policy to kukatpally branch and mention the branch code. All details are available in lic website. Please attatch the bond copy along with your valid id proof. They will shift within 24 hours. This isn't he same thing is happened for me. I have shifted policy from palasa to vizag and now its in force state. Thank you.
మీ ఇన్ఫర్మేషన్ చాలా యూజ్ఫుల్ గా ఉంది. ఎంప్లాయి ప్రొడక్టివిటీ NBP తో కంపేర్ చేయడం కరెక్ట్ కాదు. మొత్తం సర్వీస్ చేయబడుతున్న పాలసీలతో (in force + paid up) కంపేర్ చేయాలి. ఎందుకంటే అన్ని పాలసీలు సర్వీసింగ్ చేయాలంటే ఎంప్లాయిస్ కావాలి.LIC కి సుమారుగా 30 కోట్ల పాలసీలు ఉన్నాయి.
నేను ఎండోమెంట్ policy తీసుకున్నాను. Believe it or not, excellent service and hospitality. నాకు తెలిసి death claim settlement అయినవాళ్ళు ఉన్నారు చాలామంది. LIC is the best for ever ..... Covid time lo kudaa reall they done wonderful job.
I had worst experience with LIC. I took policy in 2008 and expired in 2022. Went to branch in Bangalore and they asked me to go to Karimnagar branch. Went there along with all documents. They asked me to get signed by gazetted. I got it done and went again. They collected documents and no response for 30days. Visited and inquired, they asked me to submit at another branch in Karimnagar. They shouldn’t have taken documents if they don’t process. Visited another branch and got my money after 3-4months with so many follow ups 😢😢
LIC is simple they do have strict underwriting guidelines ( which are similar to the customers holding accounts in public sector banks). I am not an agent nor a customer..
Hi ,recent ga nenu lic tech term plan teesukunnanu online lo. Chala smooth ga vundhi proces, medical kuda chala convenient ga ayndhi. Hardly 1 hour pattindhi medical ki. It has improved it's process significantly regarding online tech term application process compared to last year
I am LIC staff, I left Software Job and joined ,You are right sir, we are too Slow in adopting Technology, Paper work is the thing which is very high, onething sir, here employes are working hard but issue is, it is all manual and Paper work thus staff productivity is low
Recently i went to surrender my lic policy in the main branch in one town. That lic office is having lots and lots of employees. Who doesnt have any work to do in their desk. In that branch, Head of that branch is in deeeep sleep in the morning that too 10:30AM. this is the situation in lic offices...with all these how could LIC come back and gain its market share in this competitive market and how could our invested share price will increase. Same experience may faced by many of our money purse family
Hard work lic staff ???? Joke of the decade there is no one working properly.all staff are having more free time even they won’t respond properly nasty guys
Lic employees ఇంకా బ్రిటిష్ కాలంలో ఉన్నారు వాళ్లు కస్టమర్ కు సర్వీసు చేయరు , కస్టమర్ ను చాలా చులకనగా చూస్తారు, వాళ్లు ఏదో కస్టమర్ కు దాన ధర్మము చేస్తున్నాము అన్నట్లు చూస్తారు, lic ఏజెంట్ కమిషన్ కోసం పని చేస్తారు, Lic ఏజెంట్ లేకపోతే lic ఎప్పుడో మట్టిలో కలిసిపోయేది, Lic ఎంప్లాయీస్ కు ప్రజల వద్దకు వచ్చి ఒక్క పాలసీ అమ్మే శక్తి లేదు ఆ ఎదవలకు లేదు.
Mee comments ee okka video ke kaadhu , prathi video ki negative ye pedthr kda , ipude chusanu meee vere comments.. you are very good at spreading negative comments. 😅😅😅 em osthdhi andi meeku negative ga chepthu unte. 😅 andharuuu gorrelu ankuntunnara...😅😅
@@krishvamshi9755 నీ లాగా నేను గొర్రె కాదు నిజం మాట్లాడితే నెగటివ్ లా కనబడే నిలాంటి మూర్ఖులకు ఏమి చెప్పలేము నా అనుభవం అంత లేదు నీ ఏజ్ ఇక్కడ ఉన్న అన్ని కామెంట్లు సరిగ్గా చదువు చాలా మంది lic తో ఇబ్బందులు పడ్డవారే వారు పడ్డ ఇబ్బందులు చెప్పుతున్నారు, నాకూ 8 lic పాలసీ లు ఉన్నాయి ఏజెంట్ ను చూసి తీసుకున్న ఏజెంట్ నాకూ పాలసీ అమ్మడానికి ఎంతో కష్టపడ్డారు చాలా సార్లు తిరిగాడు అతని బాధచూడ లేక తీసుకున్న నా పాలసీ మెచ్యూరిటీ అయిన తరువాత lic ఏజెంట్ తో కలిసి lic ఆఫీసుకు సరెండర్ చేయడానికి వెళ్ళాము అక్కడ ఏమాత్రం గౌరవం లేకుండా మా ఇద్దరిని తిప్పినారు ,
LIC SAVED SO MANY PUBLIC/ PRIVATE COMPANIES WHICH ARE IN CRISIS, EVEN TO GOVERNMENTS WHEN THEY ARE IN CRISIS. LIC CONTRIBUTES MONEY IN EVERY GOI FIVE YEAR PLANS TO BUILD INDIA. FINALLY ITS PEOPLE MONEY AT SAFE HANDS.
Lic maintained its market Share even after entering private players for almost 23 years whereas no bank maintened their share after entering private players.
మీలాంటి వారు ఇప్పుడు వచ్చారు మార్కెట్ లోకి మీరు పుట్టాకముందు lic పుట్టింది సాయి గారు 67 సంవచ్చారాలుగా సేవలు అందిస్తుంది ఎంతో మంది lic లో డబ్బులు దాచుకొని భవిష్యత్ ను కాపాడుకున్నారు మీకు 23 కంపెనీ లల్ల lic ఒకటే గవర్నమెంట్ మిగతావి అన్ని pvt మీలాంటి వారు ఒక 10 సంవత్సరాలు మార్కెట్ లో ఉండండి అప్పడు ఇవ్వన్ని నమ్ముతాము
Lic మీద చాలా మంది ఏజెంట్స్& చాలా మంది సాధారణ ప్రజలు ఆధారపడి వున్నారు ,చాలా జీవితాలు lic మీద depend ayi వున్నాయి కాబట్టి , ఇది ఒక పెద్ద సంస్థ , government హామీ ఇస్తుంది money ki
Sai Bro.. Remember this one liner in Life.. It applies to every thing and is the root cause.. as below.. Where ever an Employee has highest Job Security Quality Lacks and Laziness Peaks.. (If Job never gets fired and gauranteed till retirement age)
My mother had a LIC Policy. Date of maturity was 28-Feb-2012. We received a cheque for maturity amount on 28-Jan-2012. My mother died on 02-Feb-2012. I returned the cheque to LIC along with death certificate and asked to issue the cheque on nominee name. In 15 days, I received a revised cheque. This is the promptness they are delivering service. All you need to do is update your KYC and change of address if any. I have been paying online since 2006 for all of my LIC policies. I never faced any difficulty. My health insurance policy (taken in 2014) is on New India Assurance. I renew it online. In 2019, I tried to migrate to private Insuror, but their quote was 15 to 20% high compared to that of New India Assurance. Hence, I abandoned the idea.
Your analysis is TRUE. LIC not adopting latest technology. They are depending on cash counters than than on technology. Maturity claim is a difficult job. R D account of post office or any bank can give more returns than the LIC( only thing is insurance)
LIC is does take more time to settle claim reason is : It's a PSU. They check all pros and cons post settllement and avoid any undue consequences during settlement. Many of the times wrong death claims are put up by nominee is the delay for settlement. Otherwise in my view, one of the best Insurer LIC...compared to so called corporate sector.....
Around 10 years ago, I took a policy, struggle a lot to transfer the policy from initial location to other location due to paper work. Since data is available in different channels, public is smart enough. LIC is becoming another BSNL from public sector entity point of view
Recently i went to surrender my lic policy in the main branch in one town. That lic office is having lots and lots of employees. Who doesnt have any work to do in their desk. In that branch, Head of that branch is in deeeep sleep in the morning that too 10:30AM. this is the situation in lic offices...with all these how could LIC come back and gain its market share in this competitive market and how could our invested share price will increase. Same experience may faced by many of our money purse family
Jeevan utsav is introduced for minimum 5 years investment, In private insurance companies are hiding lot of points Because am working in both companies
Hi sir your explanation is good but u r telling only negative points about lic and it's like your saying private insurance companies doing very well in all aspects,in private insurance claims settlement is like hell,u r a influencer please share full information not half ... thank you sir...
Sai garu, very good analysis. Customer service is the most important parameter that defines the company. In this matter as per my experience none of the companies are standing out. I had applied for term policies from MAX, Canara HSBC, Now Icici prulife. Even after submitting all the required documents and undergoing medicals, I used to get frequent mails asking for the same document even after replying to one of them. While purchasing the policy itself if a customer is having these many difficulties, just imagine what will be the scenario during claim settlements ?. After scoldings, Max issued me a policy, Had to cancel Canara HSBC policy due to bad customer service. Now I should decide the fate of icici policy with the similar experience.
Sai bro utsav plan launch ayyindi . Only in 3 days lo 30000 policies with avg premium 65000/- sale ayindi . LIC will roar back with more new products . Get ready with videos. Finally lic have no ownership like private one's it will stay with people to service at good or bad times. It will not flyway at loses like private companies.
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Sai garu Max doesn't have bank, but max is tie up with axis from long back (more than 10 years). Max is making profits because of bank tie up with axis,yes bank,lvb
Recently I want to change mode of payment from yrly to qrtly... Literally I have been told to visit home branch, where as I was in other state. Luckily I contacted my agent to do the needful LIC hav to improve a lot
They didn't keep most of the good policies for online purchases. We can go only through agents while for others we can make the purchasing online from different aggregators like bankbazaar and many like that.
So ,Lic పని అయి పోయిందా అని పెద్ద పెద్దకాప్షన్ లు పెడితే అందరూ చూసి నమ్ముతారని కొన్ని ఇంటర్ స్టేట్ ,ఇతరత్రా సాంకేతిక కారణాలు చూపిస్తూ ,మధ్య మధ్యలో కామెంట్స్ బాక్స్ లో కామెంట్స్ పెట్టుమంటూ ప్రైవేట్ కంపెనీల పాలసీసు లు తీసుకొమ్మని ఇండైరెక్ట్ లో లింక్ లు ఓపెన్ చెయ్యమని సూచిస్తున్నారు.. పాపం..Lic ని తట్టుకునే శక్తి లేక ఎంత బాధనాం .చేస్తే ఏమిటి..కోట్ల మంది నమ్మకాన్ని పిడికెడు మంది ప్రయత్నాలు నాలాంటి వారు అయితే నమ్మరు కాక నమ్మరుగా
Lic office ki mem claim Kosam velthe Vaalu blank cheque theskoni aa amount motham oka FD la chesi monthly income vache la ga vaalla ki nachinatlu chesthannaru. One and half year aina one rupee kuda intha varaku ivvaledhu.
Your comment on LIC employees is true...today only in faced one situation..i visited one branch for policy renewal...they asked me to go to home branch and that also he is eating something on his desk and giving the answer to the customers... I felt very bad but what can we do because they are govt employees.
Na Lic experience worst, na policy bond naku post chesa annaru kani naku 1 year aina raledu. Taruvata adigite 5-6 times tippinchukoni duplicate bond icharu 1200 Rs. tisukoni. Very bad experience.
Ma family lo okari policy claim cheyadam kosam 2 years tippincharu. Last ki gattiga adigite kotha policy kadithe claim process avutundi annaru. Worst claim process no transperancy. Better to avoid LIC. 😢😢
@@Hsgs4727 నీవు ఏదవ అని నాకూ క్లియర్ గా అర్దం అయింది🤣👍 ఇక్కడ చాలా కామెంట్ లు ఉన్నాయి అవి సరిగ్గా చదువు, నీ లాంటి గాడిదలకు అర్థం అవదు ఎందుకు అంటే నీ చదువు రాదు🐖 🤣😁
Sai garu once meeru bank insurence lu anni customer loan kosam velte pvt insurance cheseve tama target kosam but individual ga avvaru teesukoru . Nxt pvt insurance maturity anta mandi teesukunnaru cheppandi .india lo perigi Lic ni takkuvaga matladakudadu ok
Sai garu one of the best part with the agent is they will give 1-15% they will give after policy amount paid. Where as we can not get that through online. This is also 😂 problem.
Babu banks lo loan kavali ante balavantham ga policy chepisthunaru recent ga nenu sbi branch ki personal loan kosam velithe policy tisukuntene loan istham annaru nake kadhu chala mandi ilage jaruguthundhi and lic claims status is excellent comparative other insurance
Naa lic policy vijayawada dhi anta ...agent ma husband friend ani blind ga maa husband trust chesaru...memu hyd branch ki velite...mee vijayawada akkadiki vellandhi annapudu shock ayyam...loan k kuda thondaraga ivvaru...
I took a policy in 2003 which matured in 2023. Since two months before to maturity LIC executive started calling saying update bank details and on the next day to maturity amount deposited in my account
LIC agents banks lo kurchuntaru. Policy tesukundam ani bank counter ki vachina vallaki bank employee LIC agent ki echi policy tesukuntaru. Deenivalla agent labam ponduthadu. Even bank employee kooda kuncham backup tesukuntadu. edhi naaku jariginidhi NSC scheme kosam Post office ki velthe. Anduke banks lo policies avvavu antaru
Sai garu i wish you research well again and post a video. Lic stands on collective efforts of agents , sales team, employees. You can't pointout showing some employees misbehaviour , so many youngtalents got recruited recent years no other companies such permanent employees base( these liable to till their 60's) , old people are going away . lic technology is low compared to now a days but its the only financial company which bought 1st super computer in india it has its own software 'efeap', it is the only one to have its own technology center, now its getting improvised a lot. With such huge ocean of policies updation to new is not such easy task. But lot of pace is going in modernization to make ease to customers.
I took jeevan Anand policy in 2017.. i want to surrender the policy. But they said only 50% my premium will be paid.. waste policy ...LIC is worest ... also they 2 lakh insurance for me ..for 20 years. Which is worthless now a days ...itself. I made big mistake after LIC agents trap
Recently my father passed way he has lic and max life policy when claiming the policy max life very comfortable process and staff well mannered in the case lic is very very bad and pathetic i don't recommend lic it is very small claim of 2lac i paid 15 years and very less irr value claim process is headache better go to private companies
nice analysis, I appreciate your knowledge on point wise analysis and support evidence is great. but you missed & side track the major issues. book knowledge is different from practice. i think it is one side view on some subjects. 1. LIC business from banking sector ? you cannot go through the practical problems. simply negative comments on LIC on this issue. 2. You missed the main topic of persisitency by Life insurance ( through Banks) 3. You have shown one side negative view of the LIC Claims & Maturity settlement ? your subject heading itself is totally wrong ?
My suggestion please dont take any policy in LIC, they wont mention maturity amount in the bound and only agent will promise that amount will not get at maturity time and if we calculate as per MP team will get very less intense. Please dont take any policy in LIC
Hi Sai garu. Thanks for your valuable information. Is it possible to make any video on the beaten down industry or sector even when Nifty 50 is making all time highs
Why 5 day week to their staff unlike pvt insurances. Lethargy prevail in each branch almost exceptional may be there for some branches Ettiquett towards customer is absent unlike pvt agencies.
There is no online process for surrender of policy. If we go to branch there are asking signature of agent which is not needed but it's there tactic to not get it surrendered.
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What u told is true I am facing headache while maturity. They are not given in time and careless to customers. Agents are acting only in first time for booking policy after they they are not on contact. Don't take lic policy.
New policy teesikovachhaekapote vadda
True
LIC UMANG VS LIC UTSAV cheparaa bro
All insurance policies give the same returns (IRR 5 to 6).
Insurance is taken for uncertainty purposes, not for investment.
Risk coverage is high with insurance instead of returns.
Based on people's mindsets, investment plans were introduced.
Finally, my conclusion is that if there is any risk, then only people will realise the importance of the insurance valve. At that time, the money-purse team will not help, index funds, or share the market.
The Money Purse team is focused on referral programmes and promotions.
I strongly suggest taking the Umag or Utsav policy, which is better.
LIC ఉద్యోగులకైతే ఎంత బలుపో అస్సలు పట్టించుకోరు సమాధానం చెప్పరు వరస్ట్ ఫెలోస్
నమస్కారం లో LIC లో అందరికి బలుపు వుండదు.కొంత మందికి మాత్రమే వుంటుంది.Govt.ఉద్యోగులకు,వున్నట్లే వీరికి వుంటుంది.వారిలో కూడా మంచి వారు కూడా వుంటారు.
అవును, ఇప్పటి ఈ Lic దుస్థితి కి ఆ ఉద్యోగుల బలుపె కారణం, ఆమ్మో మళ్ళీ కొత్త Lic తీసుకోవద్దురా అనిపించేలా ప్రవర్తిస్తారు, ex:- hyd lic బడ్లగూడ బ్రాంచ్ లో ఇది వరకు నాకు అనుభవమైంది,
ఒక టీబిల్ నుండి ఇంకో teble మాది కాదంటే మాది కాదు అంటూ తిప్పించారు 7😡
@@kanumallahanumantharao6487 ముష్టి వాళ్లను చూసినట్టు చూస్తారు స్వియ అనుభవంతో చెబుతున్నాను
@@kanumallahanumantharao6487నీకు lic office లో మంచి వాళ్లు కనపడతారు,
పాలసీ తీసుకున్న వాళ్లు మీకు పిచ్చోళ్ళు లాగా కనబడతారు,
కస్టమర్ లేకపోతే మీ బ్రతికే లేదు మీ లాంటి వాళ్ల వలన , Bsnl , పోస్టు ఆఫీసు , గవర్నమెంట్ ఎంటర్ప్రైజెస్ మట్టిలో కలిసిపోతున్నాయి
Govt job employees lo 90pertange alage untaru😂😂😂
సాయి గారు ,నేను 2008 లో lic పాలసీ నేను తమిళనాడు లో తీసుకున్న టైం కంప్లీట్ అయింది క్లెయిమ్ కోసం హైదరాబాద్ కూకట్పల్లి బ్రాంచ్ కి వెళ్ళాను.మీరు చెప్పినట్లే మా బ్రాంచ్ కాదు అక్కడీకే వెళ్ళండి అన్నారు ,కాని నేను కొంచెం గట్టిగా అడిగితే manager గారు నా ఒరిజినల్ కాపీస్ తీసుకుని స్కాన్ చేసి తమిళనాడు ఆఫీసర్ తో మాట్లాడి ఇష్యూ క్లోస్ చేశారు. కొంచెం ఇబ్బందే కానీ అడగాలి అడగాలి
Thanks for sharing your experience 🫡
Same here, still struggling. Strongly advocating my family and friends to avoid.
Nenu claim chesanu ... good company in India
Hi @gopinaudu
Don't worry sir.
I am an LIC agent, you need not to visit the your own branch. Please send an email to your owned lic branch to shift your policy to kukatpally branch and mention the branch code. All details are available in lic website. Please attatch the bond copy along with your valid id proof. They will shift within 24 hours.
This isn't he same thing is happened for me. I have shifted policy from palasa to vizag and now its in force state.
Thank you.
Any claim can pay at mother branch only there four your step is wrong
మీ ఇన్ఫర్మేషన్ చాలా యూజ్ఫుల్ గా ఉంది. ఎంప్లాయి ప్రొడక్టివిటీ NBP తో కంపేర్ చేయడం కరెక్ట్ కాదు. మొత్తం సర్వీస్ చేయబడుతున్న పాలసీలతో (in force + paid up) కంపేర్ చేయాలి. ఎందుకంటే అన్ని పాలసీలు సర్వీసింగ్ చేయాలంటే ఎంప్లాయిస్ కావాలి.LIC కి సుమారుగా 30 కోట్ల పాలసీలు ఉన్నాయి.
నేను ఎండోమెంట్ policy తీసుకున్నాను. Believe it or not, excellent service and hospitality. నాకు తెలిసి death claim settlement అయినవాళ్ళు ఉన్నారు చాలామంది. LIC is the best for ever ..... Covid time lo kudaa reall they done wonderful job.
Yes sir
Yes
I had worst experience with LIC. I took policy in 2008 and expired in 2022.
Went to branch in Bangalore and they asked me to go to Karimnagar branch.
Went there along with all documents.
They asked me to get signed by gazetted. I got it done and went again. They collected documents and no response for 30days.
Visited and inquired, they asked me to submit at another branch in Karimnagar. They shouldn’t have taken documents if they don’t process.
Visited another branch and got my money after 3-4months with so many follow ups 😢😢
Tag PMO
bro...వినియోగదారుడిని ఇబ్బంది పెట్టిన ఎ కంపెనీ బాగుపడదు... ఇప్పుడు sbi కూడా అదే జరగబోతోంది
@@prakashkomitla4566100%కరెక్ట్ సార్
LIC is simple they do have strict underwriting guidelines ( which are similar to the customers holding accounts in public sector banks). I am not an agent nor a customer..
endhuku aa vedhava vachhake govt operated organiation anni muthapaddayi...aakariki LIC kooda divaala teese stage ki vachhindhi...
Hi ,recent ga nenu lic tech term plan teesukunnanu online lo. Chala smooth ga vundhi proces, medical kuda chala convenient ga ayndhi. Hardly 1 hour pattindhi medical ki.
It has improved it's process significantly regarding online tech term application process compared to last year
I am LIC staff, I left Software Job and joined ,You are right sir, we are too Slow in adopting Technology, Paper work is the thing which is very high, onething sir, here employes are working hard but issue is, it is all manual and Paper work thus staff productivity is low
Recently i went to surrender my lic policy in the main branch in one town. That lic office is having lots and lots of employees. Who doesnt have any work to do in their desk. In that branch, Head of that branch is in deeeep sleep in the morning that too 10:30AM.
this is the situation in lic offices...with all these how could LIC come back and gain its market share in this competitive market and how could our invested share price will increase.
Same experience may faced by many of our money purse family
Hard work lic staff ???? Joke of the decade there is no one working properly.all staff are having more free time even they won’t respond properly nasty guys
Where ever job security, there we no need to expect speed, respect, time duration
Where ever job security, there we no need to expect speed, respect, time duration
Lic employees ఇంకా బ్రిటిష్ కాలంలో ఉన్నారు వాళ్లు కస్టమర్ కు సర్వీసు చేయరు , కస్టమర్ ను చాలా చులకనగా చూస్తారు, వాళ్లు ఏదో కస్టమర్ కు దాన ధర్మము చేస్తున్నాము అన్నట్లు చూస్తారు, lic ఏజెంట్ కమిషన్ కోసం పని చేస్తారు,
Lic ఏజెంట్ లేకపోతే lic ఎప్పుడో మట్టిలో కలిసిపోయేది,
Lic ఎంప్లాయీస్ కు ప్రజల వద్దకు వచ్చి ఒక్క పాలసీ అమ్మే శక్తి లేదు ఆ ఎదవలకు లేదు.
True
Please make a video for new policies with compare with other compititors..
Nijam, chala pogaru vedavalaki
Mee comments ee okka video ke kaadhu , prathi video ki negative ye pedthr kda , ipude chusanu meee vere comments.. you are very good at spreading negative comments. 😅😅😅 em osthdhi andi meeku negative ga chepthu unte. 😅 andharuuu gorrelu ankuntunnara...😅😅
@@krishvamshi9755 నీ లాగా నేను గొర్రె కాదు నిజం మాట్లాడితే నెగటివ్ లా కనబడే నిలాంటి మూర్ఖులకు ఏమి చెప్పలేము నా అనుభవం అంత లేదు నీ ఏజ్
ఇక్కడ ఉన్న అన్ని కామెంట్లు సరిగ్గా చదువు చాలా మంది lic తో ఇబ్బందులు పడ్డవారే వారు పడ్డ ఇబ్బందులు చెప్పుతున్నారు,
నాకూ 8 lic పాలసీ లు ఉన్నాయి ఏజెంట్ ను చూసి తీసుకున్న ఏజెంట్ నాకూ పాలసీ అమ్మడానికి ఎంతో కష్టపడ్డారు చాలా సార్లు తిరిగాడు అతని బాధచూడ లేక తీసుకున్న నా పాలసీ మెచ్యూరిటీ అయిన తరువాత lic ఏజెంట్ తో కలిసి lic ఆఫీసుకు సరెండర్ చేయడానికి వెళ్ళాము అక్కడ ఏమాత్రం గౌరవం లేకుండా మా ఇద్దరిని తిప్పినారు ,
Hi Sai Garu,
Your analysis is outstanding as regular.
Please explain the policy too. It will be more beneficial to policy takers.
Thank You so much ,Sure we will work on it 👍
yes. LIC yesterday releases 10% guaranty policy. Please do the video on this . we will know what is advantage
LIC SAVED SO MANY PUBLIC/ PRIVATE COMPANIES WHICH ARE IN CRISIS, EVEN TO GOVERNMENTS WHEN THEY ARE IN CRISIS. LIC CONTRIBUTES MONEY IN EVERY GOI FIVE YEAR PLANS TO BUILD INDIA. FINALLY ITS PEOPLE MONEY AT SAFE HANDS.
Lic maintained its market Share even after entering private players for almost 23 years whereas no bank maintened their share after entering private players.
Because of the agents.. fooling people
మీలాంటి వారు ఇప్పుడు వచ్చారు మార్కెట్ లోకి మీరు పుట్టాకముందు lic పుట్టింది సాయి గారు 67 సంవచ్చారాలుగా సేవలు అందిస్తుంది ఎంతో మంది lic లో డబ్బులు దాచుకొని భవిష్యత్ ను కాపాడుకున్నారు మీకు 23 కంపెనీ లల్ల lic ఒకటే గవర్నమెంట్ మిగతావి అన్ని pvt
మీలాంటి వారు ఒక 10 సంవత్సరాలు మార్కెట్ లో ఉండండి అప్పడు ఇవ్వన్ని నమ్ముతాము
Lic మీద చాలా మంది ఏజెంట్స్& చాలా మంది సాధారణ ప్రజలు ఆధారపడి వున్నారు ,చాలా జీవితాలు lic మీద depend ayi వున్నాయి కాబట్టి , ఇది ఒక పెద్ద సంస్థ , government హామీ ఇస్తుంది money ki
Lic ke kaadu prathi insurance company RBI konni crores of rupees deposit kattali appude vaalaku insurance business cheyyataaniki RBI permission isthundi.
@@pavaninerella3008RBI kaadhu, IRDIA
RBI evvadu IRDA esthundi
😊😊😊😊
@@pavaninerella3008 RBI banks ki istundi
Sai Bro.. Remember this one liner in Life.. It applies to every thing and is the root cause.. as below..
Where ever an Employee has highest Job Security Quality Lacks and Laziness Peaks.. (If Job never gets fired and gauranteed till retirement age)
Put the same thing in bank.. u will get more than that
My mother had a LIC Policy. Date of maturity was 28-Feb-2012. We received a cheque for maturity amount on 28-Jan-2012. My mother died on 02-Feb-2012. I returned the cheque to LIC along with death certificate and asked to issue the cheque on nominee name. In 15 days, I received a revised cheque. This is the promptness they are delivering service.
All you need to do is update your KYC and change of address if any. I have been paying online since 2006 for all of my LIC policies. I never faced any difficulty.
My health insurance policy (taken in 2014) is on New India Assurance. I renew it online. In 2019, I tried to migrate to private Insuror, but their quote was 15 to 20% high compared to that of New India Assurance. Hence, I abandoned the idea.
Thanks!
Your analysis is TRUE. LIC not adopting latest technology. They are depending on cash counters than than on technology. Maturity claim is a difficult job. R D account of post office or any bank can give more returns than the LIC( only thing is insurance)
LIC is does take more time to settle claim reason is : It's a PSU. They check all pros and cons post settllement and avoid any undue consequences during settlement. Many of the times wrong death claims are put up by nominee is the delay for settlement. Otherwise in my view, one of the best Insurer LIC...compared to so called corporate sector.....
Sai garu we want best policies in LIC. For safe investment and decent returns.
చాలా మంచి గుడ్ న్యూస్ చెప్పారు బ్రదర్.
Really nice video. Our channel is unique always
Around 10 years ago, I took a policy, struggle a lot to transfer the policy from initial location to other location due to paper work. Since data is available in different channels, public is smart enough. LIC is becoming another BSNL from public sector entity point of view
చక్కగా వివరించారు ధన్యవాదాలు
Super Sai Garu! LIC is worst in all ways!
Recently i went to surrender my lic policy in the main branch in one town. That lic office is having lots and lots of employees. Who doesnt have any work to do in their desk. In that branch, Head of that branch is in deeeep sleep in the morning that too 10:30AM.
this is the situation in lic offices...with all these how could LIC come back and gain its market share in this competitive market and how could our invested share price will increase.
Same experience may faced by many of our money purse family
Jeevan utsav is introduced for minimum 5 years investment,
In private insurance companies are hiding lot of points
Because am working in both companies
Hi sir your explanation is good but u r telling only negative points about lic and it's like your saying private insurance companies doing very well in all aspects,in private insurance claims settlement is like hell,u r a influencer please share full information not half ... thank you sir...
Anna... Super video Anna, very very beneficial video. Shocking facts chepparu. Thank you Sai Anna and team.
Sai garu, very good analysis.
Customer service is the most important parameter that defines the company. In this matter as per my experience none of the companies are standing out.
I had applied for term policies from MAX, Canara HSBC, Now Icici prulife. Even after submitting all the required documents and undergoing medicals, I used to get frequent mails asking for the same document even after replying to one of them. While purchasing the policy itself if a customer is having these many difficulties, just imagine what will be the scenario during claim settlements ?.
After scoldings, Max issued me a policy, Had to cancel Canara HSBC policy due to bad customer service. Now I should decide the fate of icici policy with the similar experience.
Sai bro utsav plan launch ayyindi . Only in 3 days lo 30000 policies with avg premium 65000/- sale ayindi . LIC will roar back with more new products . Get ready with videos. Finally lic have no ownership like private one's it will stay with people to service at good or bad times. It will not flyway at loses like private companies.
💥💥💥💥💥💥💥💥 Sai garu oka chinna request ... Mi SaiTalks Video Friday Kakunda Saturday Ivvandi .. daily mi channel ki velli video chudatam maku alavatu .. Saturday matram mimalni miss avuthunnam 😄😄😄pls 💥💥💥💥💥💥
Oka samstha financial gaa strong undante, andulo unna prathi okkaru unna standnu batti untundi, higher levelo pettina processor nu thucha thappakunda patinchadam vallane sadhyamouthondi, andulo 99,% emloyee perfection kabatte nilabaduthondi, emploeeslo swartham vachinte chaala prajala sommu dubaara ayyedi
Present maturity claims ఇప్పుడు చాలా easy అయింది.
I got my maturity claims easily.Branch visit once is required.Employees attitude towards customers is now helpful.
Sai garu
Max doesn't have bank, but max is tie up with axis from long back (more than 10 years). Max is making profits because of bank tie up with axis,yes bank,lvb
Really looking forward for 10% guaranteed return analysis video
Thanks for the informative content.Pls make video on new policy by LIC
I need your view's on the new product of LIC.
Tough times make people more tough. Hope LIC will come back sooner or later.
Yes sir need a video on lic jeevan utsav scheme
Sai garu, Pls do video on Lic new policy 10% garuntee return.
Have you studied about the claim settlement percentage globally comparing LIC and other private Insurance.
Claim settlement wise LIC is in second pollution right right now not first
Sign callfor chesarante sign tally caaledu Ani artham, hence payment wrong poye avakaasam undi kanuka specimen paina stick on avuthaaru, good ponit
yeppudaina positive gaa unchaali
Recently I want to change mode of payment from yrly to qrtly... Literally I have been told to visit home branch, where as I was in other state.
Luckily I contacted my agent to do the needful
LIC hav to improve a lot
Your videos are very informative and you are exploring case studies on various topics. Great job by the team Money purse
Glad you like them!
They didn't keep most of the good policies for online purchases. We can go only through agents while for others we can make the purchasing online from different aggregators like bankbazaar and many like that.
Insurance is something that if anything happens to us our near and dear agent will arrange the claim
So
,Lic పని అయి పోయిందా అని పెద్ద పెద్దకాప్షన్ లు పెడితే అందరూ చూసి నమ్ముతారని కొన్ని ఇంటర్ స్టేట్ ,ఇతరత్రా సాంకేతిక కారణాలు
చూపిస్తూ ,మధ్య మధ్యలో కామెంట్స్ బాక్స్ లో కామెంట్స్ పెట్టుమంటూ
ప్రైవేట్ కంపెనీల పాలసీసు లు తీసుకొమ్మని ఇండైరెక్ట్ లో లింక్ లు ఓపెన్ చెయ్యమని సూచిస్తున్నారు..
పాపం..Lic ని తట్టుకునే శక్తి లేక ఎంత బాధనాం .చేస్తే ఏమిటి..కోట్ల మంది నమ్మకాన్ని పిడికెడు మంది ప్రయత్నాలు నాలాంటి వారు అయితే నమ్మరు కాక నమ్మరుగా
Saigaru LIC new policy paina mee salahalu suchanalu maku entho avasaram. Dasachesi oka video cheyandi 💐
Lic office ki mem claim Kosam velthe Vaalu blank cheque theskoni aa amount motham oka FD la chesi monthly income vache la ga vaalla ki nachinatlu chesthannaru. One and half year aina one rupee kuda intha varaku ivvaledhu.
Anna, Postal Life Insurance gurinchi తెలపండి.
Major problem in lic office was claim satelment merannattuga online lo claim satelment aete chala bavuntundi
Your comment on LIC employees is true...today only in faced one situation..i visited one branch for policy renewal...they asked me to go to home branch and that also he is eating something on his desk and giving the answer to the customers... I felt very bad but what can we do because they are govt employees.
May be you went to the office in lunch hour. You have to wait till there lunch break.
Yes sir you may be correct...but I went around 2.30 to 3 pm and the employee is not having lunch.He is having snacks, may be it's a snacks break
Management take care of policy holders and take steps to change the attitude of employees who are not proper work output.
Hi sai garu,
Please explain LIC Utsav policy
Bank Ane peru pettukuni loans ki vachina vallatho avasaram Leni insurance chepinche PRIVATE Life insurance companies kante LIC chala best masteru...
Good said bro
Na Lic experience worst, na policy bond naku post chesa annaru kani naku 1 year aina raledu. Taruvata adigite 5-6 times tippinchukoni duplicate bond icharu 1200 Rs. tisukoni. Very bad experience.
LIC returns worst, am paid for 13 years premium 107690, when am surrendering that Surrender value 107000,
Ma family lo okari policy claim cheyadam kosam 2 years tippincharu. Last ki gattiga adigite kotha policy kadithe claim process avutundi annaru. Worst claim process no transperancy. Better to avoid LIC. 😢😢
LIC vallu maturity ayyaka pilichi mari maturity amount claim settle chestaru bro..
@@Hsgs4727 జోక్ బాగుంది 😂😂😂
@@kashinath92463 artham kani yedavalaku joke lage untundi dude 😎
@@Hsgs4727 నీవు ఏదవ అని నాకూ క్లియర్ గా అర్దం అయింది🤣👍 ఇక్కడ చాలా కామెంట్ లు ఉన్నాయి అవి సరిగ్గా చదువు,
నీ లాంటి గాడిదలకు అర్థం అవదు ఎందుకు అంటే నీ చదువు రాదు🐖 🤣😁
Other Bank like SBI, Sell policy by link to Home loan etc.., Taking Insurance is easy … but claiming is a hell like Health, Term Insurance, any one
Policy katinodu kanna katinchina agents are leading laxury life without doing work pani takuvaa enjoyment ekuvaa
Sai garu once meeru bank insurence lu anni customer loan kosam velte pvt insurance cheseve tama target kosam but individual ga avvaru teesukoru . Nxt pvt insurance maturity anta mandi teesukunnaru cheppandi .india lo perigi Lic ni takkuvaga matladakudadu ok
Mi video valla LIC vallu technology midha focus chestharu ani aashisthuna 🙏🏼
👍
Impossible sir,they won't adopt
Sai garu one of the best part with the agent is they will give 1-15% they will give after policy amount paid. Where as we can not get that through online. This is also 😂 problem.
Share Market is Equal to Drug Many People Loss in Share Market But Insurance Policy Taken is Must Per Family
Babu banks lo loan kavali ante balavantham ga policy chepisthunaru recent ga nenu sbi branch ki personal loan kosam velithe policy tisukuntene loan istham annaru nake kadhu chala mandi ilage jaruguthundhi and lic claims status is excellent comparative other insurance
As a LIC Agent I to irritate with staff behaviour. Majority of employees feel like a boss. They focus only product selling not product servicing
Sir one help for every policy how much do u get paid tell me average percent plz🙏🙏🙏
Still they are not updated as competetor. Still if ant problem arises we have to go policy issue branch.
Naa lic policy vijayawada dhi anta ...agent ma husband friend ani blind ga maa husband trust chesaru...memu hyd branch ki velite...mee vijayawada akkadiki vellandhi annapudu shock ayyam...loan k kuda thondaraga ivvaru...
Thanks for sharing your experience 👍
Pls make a video on latest LIC policy
NPA s should be compared to business volume and life fund. I think u have not done this when comparing to Private players .
I took a policy in 2003 which matured in 2023. Since two months before to maturity LIC executive started calling saying update bank details and on the next day to maturity amount deposited in my account
Hi Sai gaaru, Jeevan Utsav policy Nov 29th ne release chesaru sir. Kindly provide full pledge video on this plan.
Sure andi we will do that 👍
నేను కేవలం ప్రభుత్వ సంస్థ అని మాత్రమే LIC policy తీసుకున్నాను
LIC agents banks lo kurchuntaru. Policy tesukundam ani bank counter ki vachina vallaki bank employee LIC agent ki echi policy tesukuntaru. Deenivalla agent labam ponduthadu. Even bank employee kooda kuncham backup tesukuntadu.
edhi naaku jariginidhi NSC scheme kosam Post office ki velthe. Anduke banks lo policies avvavu antaru
Jeevan Utsav 10% gurunchi.... Video cheyandi
Flexibility payment ledu kaabatte financial stand undi, wrong payments jaragatledu
Lic IPO vellanathavaraku labalalo undhi eppudu elaga undhi ante
LIC ni kavalane nastalaku tesukelutunaru like BSNL twralo nastala perutho ammestunaru eppudu follow avutunna govt strategy edhi
Sai garu i wish you research well again and post a video. Lic stands on collective efforts of agents , sales team, employees. You can't pointout showing some employees misbehaviour , so many youngtalents got recruited recent years no other companies such permanent employees base( these liable to till their 60's) , old people are going away . lic technology is low compared to now a days but its the only financial company which bought 1st super computer in india it has its own software 'efeap', it is the only one to have its own technology center, now its getting improvised a lot. With such huge ocean of policies updation to new is not such easy task. But lot of pace is going in modernization to make ease to customers.
I took jeevan Anand policy in 2017.. i want to surrender the policy. But they said only 50% my premium will be paid.. waste policy ...LIC is worest ... also they 2 lakh insurance for me ..for 20 years. Which is worthless now a days ...itself.
I made big mistake after LIC agents trap
Who said is wrong. You will get 95% of total premium paid.. I'm development officer in lic
Meeku LIC ane kaadhu, a insurance company aina madhya lo surrend chesthe anthe, kaavalante okka sari try cheyyandi
Recently my father passed way he has lic and max life policy when claiming the policy max life very comfortable process and staff well mannered in the case lic is very very bad and pathetic i don't recommend lic it is very small claim of 2lac i paid 15 years and very less irr value claim process is headache better go to private companies
nice analysis, I appreciate your knowledge on point wise analysis and support evidence is great. but you missed & side track the major issues. book knowledge is different from practice. i think it is one side view on some subjects. 1. LIC business from banking sector ? you cannot go through the practical problems. simply negative comments on LIC on this issue. 2. You missed the main topic of persisitency by Life insurance ( through Banks) 3. You have shown one side negative view of the LIC Claims & Maturity settlement ? your subject heading itself is totally wrong ?
Great information Sai Garu😊
LIC is such a wonderful organisation which settles claims very quickly...and even death claims
Please tell the best' LIC policy
Jeevan utsav launched yesterday, all and all 5.5% net return at max we can get but definitely not 10% in case of survival mature benefit
Bank assurance is same like as blackmailing
Sooooooooo Super Informational Video 👌👌👌👌👌👌👌👌 ThankYou So Much SaiSir 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
My suggestion please dont take any policy in LIC, they wont mention maturity amount in the bound and only agent will promise that amount will not get at maturity time and if we calculate as per MP team will get very less intense. Please dont take any policy in LIC
Bro u have to choose nice plan before taking policy
Brother MP team also calculation wrong... They don't know how to calculate lic Maturity amount..
Employees productivity ni, no. Of policiestho compare cheyali thappa, lo no. Of policy samsthatho chesthe yela, nizam cheppalante employees commitment thone organization strong aindi thelusa meeku, ippudu andaru swarthaparulu chaapakinda neerulaaga chedagoduthunnaru
Don't worry guys annayya cheppindi past gurinchi.Ippudu antha maaripoindi..ippudu antha safe fast...Meeku emina doubts unte reply me ..nenu LIC agent ni
Joku 😂
@@vishnuviharbt4452 enti joke
Hi Sai garu. Thanks for your valuable information. Is it possible to make any video on the beaten down industry or sector even when Nifty 50 is making all time highs
సార్ ఇప్పుడు LIC ఒక నెలా ముందే మెచ్యూరిటీ AMT అకౌంట్ కి పంపుతున్నారు,తెలుసా
నిజమా 😁😃🤣
I want jivan utsav new video from your side Anna kindly complete policy advantages and disadvantages
Sai garu 10 percent return policy meedha video cheyandi
Why 5 day week to their staff unlike pvt insurances. Lethargy prevail in each branch almost exceptional may be there for some branches Ettiquett towards customer is absent unlike pvt agencies.
How about jeevanshree claim of 5 lakha policy taken in 2002
Do you know how bank assurance is being done in banks..90% mis selling ae ,evaranna oka bank employee ni adagandi telustgubdhi
Can you make one video about new lic policy
There is no online process for surrender of policy. If we go to branch there are asking signature of agent which is not needed but it's there tactic to not get it surrendered.
baagaa cheppaavu bro
India lo manchi insurance
company okati suggest
cheyyandi bro
Lic ye bro 😅