Last Updated: Dec 17, 2025
Welcome to Ashuram Insurance Expert (accessible at https://ashuraminsurance.in). This Disclaimer governs your access to, use of, and reliance on this website and its content. The purpose of this Disclaimer is to clearly explain the nature, scope, and limitations of the information and services provided through this website.
Ashuram Insurance Expert is an informational insurance advisory platform operated as the personal professional website of Ashuram Modi, an LIC Authorized Insurance Agent. This website is intended solely to provide general information, awareness, and advisory support related to life insurance and allied insurance products. It does not function as a policy-selling platform, payment gateway, or official insurance portal.
By accessing, browsing, or using this website in any manner, including viewing content or contacting us through forms, phone calls, or emails, you acknowledge that you have read, understood, and agreed to this Disclaimer in its entirety. Continued use of the website constitutes your acceptance of the terms and limitations described herein.
If you do not agree with any part of this Disclaimer, you must immediately discontinue the use of this website. Continued access or interaction with the website shall be deemed as your informed and voluntary consent to this Disclaimer and all related notices published on the website.
The content made available on this website is provided solely for general informational and educational purposes related to life insurance, insurance awareness, and insurance advisory support. The objective of the content is to help users understand basic insurance concepts, commonly used terminology, procedural information, and general aspects of life insurance products.
Nothing contained on this website should be interpreted or construed as an offer to sell insurance, a solicitation or invitation to purchase any insurance product, or a recommendation to enter into any insurance transaction. The information provided does not constitute a proposal, quotation, binding agreement, or contractual commitment of any kind.
This website does not execute, issue, underwrite, approve, or finalize insurance policies. All insurance policies are issued, governed, and administered solely by the Life Insurance Corporation of India (LIC) in accordance with its official rules, terms, conditions, and regulatory requirements.
Any interaction or communication through this website is limited strictly to informational guidance and advisory assistance. Users are advised to rely only on official LIC policy documents and communications for final and legally binding information related to insurance products.
Ashuram Insurance Expert is an informational insurance advisory website operated as the personal professional platform and brand of Ashuram Modi, who functions strictly in the capacity of an LIC Authorized Insurance Agent. The website has been created to provide general insurance-related information, awareness, and advisory guidance to users.
This website does not function as an insurance marketplace, policy-selling platform, or transactional portal. It does not provide any online payment facilities, does not collect insurance premiums, and does not issue, execute, approve, or finalize insurance policies. All insurance products and policy administration are handled exclusively by the Life Insurance Corporation of India (LIC) in accordance with its official rules and procedures.
The website does not offer any user account creation, login systems, dashboards, or customer portals. Visitors may browse the website without registration, and any information shared by users is done voluntarily through contact forms, phone calls, emails, or other communication channels.
Any communication initiated through this website is intended solely for inquiry, general guidance, or advisory discussion and does not create any contractual relationship, legal obligation, or binding commitment.
Ashuram Insurance Expert is not the official website of the Life Insurance Corporation of India (LIC). This website is operated independently as the personal professional advisory platform of Ashuram Modi, who acts solely in the capacity of an LIC Authorized Insurance Agent.
The name “Life Insurance Corporation of India”, the acronym “LIC”, LIC’s logo, emblems, slogans, product names, policy names, service marks, and all related trademarks are the exclusive intellectual property of the Life Insurance Corporation of India. Ownership of such intellectual property remains solely with LIC at all times.
Any reference to LIC, its products, policies, services, or procedures on this website is made strictly for informational, explanatory, and advisory purposes only. Such references should not be interpreted as official communication, endorsement, or representation by LIC.
Ashuram Insurance Expert operates independently and does not claim to represent LIC as an organization, authority, or institution. No partnership, sponsorship, joint venture, or official affiliation with LIC is claimed or implied beyond the permitted agency relationship.
Ashuram Modi is an LIC Authorized Insurance Agent appointed in accordance with applicable rules and regulations of the Life Insurance Corporation of India (LIC). Through this website, Ashuram Modi operates strictly in an advisory and facilitation capacity only.
The role performed through this website is limited to providing general and publicly available information about LIC insurance products, explaining basic insurance concepts, clarifying commonly used terms, and assisting users in understanding available insurance options based on their general requirements. Where applicable, facilitation support may also include guidance related to documentation, procedural steps, and communication with LIC.
Ashuram Modi does not have the authority to approve or reject insurance proposals, determine underwriting outcomes, accept or reject premiums, issue insurance policies, modify policy terms, or decide claim settlements. All such decisions are made solely and exclusively by the Life Insurance Corporation of India (LIC) in accordance with its official rules, underwriting guidelines, and policy terms.
Users acknowledge that any assistance provided through this website does not influence or guarantee policy approval, claim settlement, benefits, returns, or any specific insurance-related outcome. All rights and decisions remain entirely within the authority of LIC.
All content made available on this website is provided strictly for informational and awareness purposes only. This includes, but is not limited to, text content, images, illustrations, articles, blog posts, explanations, and any other material published on the website. The primary intent of such content is to help users gain a general understanding of insurance-related concepts, terminology, procedures, and publicly available information.
The content on this website is not intended to be comprehensive, exhaustive, or tailored to the specific needs or circumstances of any individual user. Users should not rely on the information provided on this website as the sole basis for making insurance, financial, or related decisions.
Insurance products, benefits, eligibility, and outcomes may vary based on individual factors, underwriting rules, and official policy terms. Users are strongly advised to review official policy brochures, benefit illustrations, proposal forms, and policy documents issued by the Life Insurance Corporation of India (LIC) and, where appropriate, seek independent professional advice before making any insurance-related decision.
Ashuram Insurance Expert does not accept responsibility for decisions taken by users solely based on the information available on this website.
The information provided on this website is for general informational and awareness purposes only. Nothing contained on this website should be interpreted or relied upon as financial advice, investment advice, tax advice, or professional consultation of any kind.
The content published on this website does not take into account the individual financial situation, investment objectives, risk appetite, tax position, or personal circumstances of any user. Insurance-related decisions are subject to individual needs, eligibility criteria, underwriting rules, and regulatory requirements.
Users are strongly advised to carefully review official policy brochures, benefit illustrations, proposal forms, and policy documents issued by the Life Insurance Corporation of India (LIC). Where necessary, users should consult qualified and independent financial advisors, tax consultants, chartered accountants, or other competent professionals for personalized advice.
Users may also seek clarification directly from official LIC branch offices or authorized LIC representatives. Any reliance on the information available on this website is entirely at the user’s own discretion and risk, andAshuram Insurance Expert shall not be responsible for decisions or outcomes arising from such reliance.
Nothing contained on this website should be construed, interpreted, or relied upon as legal advice or legal opinion of any kind. The information provided on this website is not intended to replace professional legal consultation or advice.
Insurance policies are legal contracts governed by applicable laws, rules, and regulations. The interpretation, enforceability, rights, obligations, exclusions, and conditions of any insurance policy depend entirely on the specific wording of the official policy documents issued by the Life Insurance Corporation of India (LIC).
Users are advised that any understanding or interpretation of insurance policy terms should be based solely on official LIC policy documents, authorized written communications issued by LIC, and, where required, advice obtained from qualified legal professionals. Information on this website may not reflect the complete legal position applicable to every situation.
Ashuram Insurance Expert does not assume any responsibility or liability for legal interpretations made by users based on the content of this website. Any reliance placed on the website content for legal understanding is entirely at the user’s own discretion and risk.
Ashuram Insurance Expert does not make, offer, or imply any guarantee, promise, assurance, or representation of any kind with respect to insurance products, services, or outcomes. Any information or assistance provided through this website is purely advisory and informational in nature.
Without limitation, no guarantee or promise is made regarding insurance policy approval, underwriting acceptance, premium acceptance, claim settlement, bonus declaration, maturity value, returns, benefits, or the continuation or performance of any insurance product. Insurance outcomes may vary based on individual eligibility, disclosures, underwriting assessment, and policy terms.
All insurance products, benefits, bonuses, and outcomes are governed solely by the official rules, underwriting guidelines, policy conditions, and procedures of the Life Insurance Corporation of India (LIC). Decisions related to policy issuance, claims, and benefits are taken exclusively by LIC and are beyond the control of Ashuram Insurance Expert.
Users acknowledge that no statement made on this website, whether written or verbal, should be relied upon as a guarantee or promise of any insurance-related result.
Ashuram Insurance Expert makes reasonable efforts to ensure that the information published on this website is accurate, relevant, and up to date at the time it is made available. However, due to the dynamic nature of insurance products, regulatory guidelines, and operational procedures, information may become outdated over time.
Errors, inaccuracies, or omissions may occur despite best efforts. Insurance rules, policy benefits, eligibility conditions, premium structures, bonuses, and regulatory requirements may be revised, modified, or withdrawn by the Life Insurance Corporation of India (LIC) or regulatory authorities without prior notice.
Ashuram Insurance Expert does not provide any warranty or assurance regarding the completeness, reliability, accuracy, or suitability of the information available on this website for any specific purpose. The website content should not be treated as a substitute for official or legally binding information.
Users are strongly advised to independently verify all insurance-related details, terms, conditions, and benefits from official LIC sources, including policy documents, official brochures, authorized communications, or LIC branch offices. In case of any inconsistency, the official LIC documents shall prevail.
Insurance advisory and facilitation services referenced or described on this website are strictly limited to a defined local geographical area. Ashuram Insurance Expert operates as a local insurance advisory platform, and all services are intended primarily for individuals and families residing in or around Bhadra, Rajasthan.
The primary service area includes Bhadra, Rajasthan, along with nearby pin code regions ranging from 335501 to 335511. Taking Bhadra as the central location, advisory assistance may be provided within an approximate 60-kilometer radius, subject to feasibility, availability, and compliance with applicable rules and regulations.
This website does not claim to offer nationwide, statewide, pan-India, or international insurance advisory services. Any access to or use of this website from locations outside the defined local service area is for general informational purposes only and does not create any obligation to provide services beyond the stated geographical limits.
Ashuram Insurance Expert expressly disclaims any representation or implication of wider service coverage beyond the local area described above.
This website may contain links to third-party websites or online resources for the convenience and reference of users. Such links may include official portals of the Life Insurance Corporation of India (LIC), government websites, or other third-party informational resources.
Ashuram Insurance Expert does not own, operate, manage, or control any third-party websites. The inclusion of any external link does not imply endorsement, recommendation, approval, or association with the content, views, services, or policies of such third-party websites.
Ashuram Insurance Expert is not responsible for the accuracy, completeness, reliability, availability, security, privacy practices, or content of third-party websites. External websites are governed by their own terms of use and privacy policies, which may differ from those applicable to this website.
Users acknowledge that visiting or relying on information from third-party websites is entirely at their own discretion and risk. Ashuram Insurance Expert shall not be liable for any loss, damage, or consequences arising from access to or use of third-party websites or resources.
This website may use basic cookies and standard analytics tools to understand how visitors interact with the website. These tools are used solely for limited purposes such as analyzing visitor behavior, monitoring website traffic, improving website performance, and enhancing overall user experience.
Cookies used on this website are generally small text files stored on a user’s device and are intended to assist in basic functionality and performance measurement. Analytics data collected is aggregated in nature and is used only to understand general usage patterns, such as page visits, session duration, and browser or device information.
Ashuram Insurance Expert does not intentionally collect sensitive personal data such as financial details, policy numbers, health information, or identification documents through cookies or analytics tools. Any information collected is used only for internal analysis and website improvement purposes.
Users may choose to disable or manage cookies through their browser settings. Please note that disabling cookies may affect certain website functionalities or user experience. Continued use of this website signifies the user’s consent to the limited use of cookies and analytics as described herein and in the Privacy Policy.
To the maximum extent permitted under applicable Indian laws, Ashuram Insurance Expert and Ashuram Modi shall not be held liable for any loss, damage, cost, or expense arising out of or in connection with the access to, use of, or inability to use this website or its content.
This limitation applies to all types of losses, whether direct or indirect, incidental, consequential, special, or punitive in nature. This includes, without limitation, financial loss, loss of business or income, loss of data, or loss arising from decisions taken based on the information available on this website.
Ashuram Insurance Expert does not accept responsibility for outcomes resulting from reliance on informational or advisory content available on the website. All decisions are taken by users at their own discretion and risk, subject to official LIC rules and policy documents.
Notwithstanding anything stated elsewhere, if any liability is determined by a competent court or authority to exist, the maximum aggregate liability of Ashuram Insurance Expert and Ashuram Modi shall be strictly limited to ₹100 (Rupees One Hundred only), to the fullest extent permitted under Indian law.
By accessing, browsing, or using this website, users expressly acknowledge and agree that all insurance-related decisions are made at their own discretion and responsibility. This website is intended to provide general information and advisory guidance only and does not replace independent evaluation or professional consultation.
Users understand and accept that any actions taken, decisions made, or outcomes experienced based on information available on this website are solely their responsibility. This includes, but is not limited to, decisions related to policy selection, proposal submission, disclosures, continuation of policies, or any other insurance-related matter.
Users further acknowledge that use of this website and its content is entirely voluntary. Any reliance placed on the information, explanations, or guidance provided on the website is done at the user’s own risk. Ashuram Insurance Expert does not assume responsibility for consequences arising from such reliance.
By continuing to use this website, users confirm that they have assessed the suitability of the information for their own needs and accept full responsibility for any outcomes resulting from their use of the website.
By accessing, browsing, or continuing to use this website in any manner, you expressly acknowledge, confirm, and agree that you have read, understood, and accepted this Disclaimer in its entirety. Your continued use of the website constitutes your explicit and informed consent to all terms, conditions, limitations, and disclaimers stated herein.
You further acknowledge that this Disclaimer forms a legally binding understanding between you and Ashuram Insurance Expert with respect to the use of this website and its content. This Disclaimer should be read together with the Terms & Conditions, Privacy Policy, and other legal notices published on the website.
If you do not agree with any part of this Disclaimer, you must immediately discontinue access to and use of this website. Continued access or interaction with the website shall be deemed as your voluntary acceptance of its terms.
If you have any questions, concerns, clarifications, or requests related to this Disclaimer or the content of this website, you may contact us using the details provided below. Communications are intended for informational and support purposes only and do not constitute legal, financial, or professional advice.
Ashuram Insurance Expert
Email: ashurambhadra@gmail.com
Phone: 9799771577, 9414536577
Office Address:
Main Bus Stand Road, Near Ambedkar Chowk,
Bhadra, Rajasthan – 335501
This Disclaimer should be read carefully and in conjunction with the website’s Terms & Conditions and Privacy Policy. Each of these documents serves a specific legal and compliance purpose and collectively governs the access to, use of, and interaction with this website.
The Terms & Conditions define the rules, limitations, and legal obligations applicable to users, while the Privacy Policy explains how personal information, if any, is collected, used, and protected in accordance with applicable Indian laws.
Together, this Disclaimer, the Terms & Conditions, and the Privacy Policy constitute the complete legal, compliance, and governance framework of ashuraminsurance.in. Continued use of the website shall be deemed as acknowledgment and acceptance of all applicable legal policies.