Frequently Asked Questions

Yes. Prabhat Kumar is an officially Authorized LIC Agent with Agent Code 080224/536, registered with Life Insurance Corporation of India — a Government of India undertaking since 1956.

Prabhat Kumar assists with guidance and documentation for: Life Insurance (Term & Endowment plans), Pension/Retirement Planning, Child Education Plans, Marriage Plans, Policy Loan applications, and general policy servicing. All plan terms are subject to LIC's official conditions.

Yes. LIC allows loans against eligible policies after a surrender value builds up — typically after 3 years of continuous premium payments. The loan amount and interest rate are as per LIC's current policy terms. Contact Prabhat Kumar to check your specific policy's eligibility.

LIC pension plans allow you to contribute regularly during your working years to build a corpus, which is then used to provide regular income/annuity after retirement. Specific plan features, returns and vesting conditions are as per each LIC product's official terms. Prabhat Kumar will explain plan options clearly before you decide.

Generally: Aadhaar card, PAN card, recent passport-size photo, income proof (if applicable), and bank details for premium payment. Exact requirements depend on the plan type and sum assured. Prabhat Kumar will provide a complete checklist for your specific plan.

Yes. Motor third-party insurance is legally mandatory for all vehicles on public roads under the Motor Vehicles Act, 1988. Driving without valid insurance can result in fines and legal consequences. Prabhat Kumar can help you renew quickly via WhatsApp.

Third-party insurance (mandatory by law) covers damage or injury you cause to another person or vehicle. Comprehensive insurance adds coverage for damage to your own vehicle from accidents, theft, fire, natural disasters etc. Prabhat Kumar can explain which option makes more sense for your vehicle and usage.

Typically: Vehicle RC book, previous insurance policy copy (if available), and your vehicle number. For commercial vehicles, add the commercial permit and fitness certificate. Simply WhatsApp these to +91 9525563613 for quick renewal processing.

After an accident: (1) Ensure safety first, (2) Take photos of the damage, (3) Get a police report if needed, (4) WhatsApp or call Prabhat Kumar at +91 9525563613 for claim intimation guidance, (5) Follow the steps to submit documents to ICICI Lombard. Final claim settlement is as per ICICI Lombard's policy terms.

All vehicle types via ICICI Lombard: Bikes, Scooters, Cars, SUVs, Autos, E-Rickshaws, Pickups, Vans, Taxis, Trucks, Tempos, Buses, and all Commercial Vehicles. Both third-party and comprehensive policies available.

Office is open Monday to Friday, 10:00 AM – 5:00 PM at H.S. Complex, Jamla Road, Motihari – 845401, Bihar. Phone and WhatsApp support is available 24×7 at +91 9525563613 for urgent queries.

Yes. Prabhat Kumar serves Motihari and the wider East Champaran district including Kotwa, Rajpur, Bhopatpur, Puranidih and surrounding areas. Most renewals and queries can be handled via WhatsApp without needing a physical visit.

No. Initial guidance, plan explanation, renewal assistance and claim documentation help are provided without any additional charge. Prabhat Kumar earns his commission directly from the insurer — there are no hidden fees for the customer.