Free Policy Health Check
Independent policy health check
Many families in Chennai hold multiple LIC, health, and term policies bought over years — sometimes with overlapping cover or lapsed premiums. Sivaprakash Wealth offers a structured, no-obligation policy health check: we map what you have, flag gaps, and suggest practical next steps. Illustrations and tax notes are educational only; we do not promise savings amounts or guaranteed returns.
Independent insurance advisor — not the official website of LIC of India or any other insurer.
What we review
LIC life policies
Sum assured, premium paying term, paid-up or lapsed status, maturity dates, and whether participating plans still fit your goals.
Health & accident cover
Floater vs individual structure, sum insured vs medical inflation, renewal continuity, and network hospital relevance in Chennai.
Term & pure protection
Cover amount vs income, policy term, and whether standalone term is adequate alongside savings plans.
Tax regime fit (old vs new)
High-level view of 80C/80D use under the old regime — not tax filing advice; consult your CA for returns.
Who benefits from a review
- •Salaried professionals with several LIC policies and unsure which to continue
- •Parents comparing child plans vs term cover for the earning member
- •Pre-retirees approaching maturity or pension decisions
- •Business owners with group health plus personal floater overlap
- •Anyone who bought online elsewhere and wants a local advisor for servicing
How the review works
- Step 1
Book a slot
Call, WhatsApp, or use the contact form — mention 'policy health check'. We respond on business days.
- Step 2
Share documents
Policy copies or LIC login summary help; we can start with a verbal list if papers are at home.
- Step 3
Review meeting
In person in Chennai, nearby districts by appointment, or video for clients elsewhere in India.
- Step 4
Written summary
Simple action list: continue, revive, increase cover, or stop paying — you decide; no pressure to buy new policies.
Bring these details (if available)
- Policy numbers and insurer names for each life, health, and motor policy
- Last premium paid date and mode (online, auto-debit, branch)
- Nominee names and whether they still match your wishes
- Approximate annual premium outflow across all policies
- Any open claim, maturity, or surrender you are considering
Common questions
Book a free consultation in Chennai
Call, WhatsApp, or send a message — we respond during business hours (Mon–Sat, 8am–6pm).
Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
Disclaimer: Sivaprakash Wealth is an independent financial and insurance consultancy run by IRDAI-licensed insurance advisors. We provide advisory services for products from the Life Insurance Corporation of India (LIC) and other general insurance providers. This website is a personal agent platform and is not affiliated with, endorsed by, or the official portal of LIC of India.