My father is a Lic agent and he is working since 10 years.its a insurance company on which you can trust blindly .There are many policies , children future plan, if any ones husband is death , insurance plan for wife.accidental plan and many more.its always safe to take insurance for future.my father has done policy for everyone.when I was in hospital because of severe zondis, I got more than half money from policy.Lic is a trusted company about which we have never heard any fraud.customer service are excellent, there are always new schemes and plans for policy holder and you will immediately get money for what you have done policy.rates are different according to policy which you are taking and you have to pay at intervals , no load is given at one time, staff attitude are very good and always helping towards policy holder.there are million of lic agents today working for lic.