Last Updated: Dec 16, 2025
Welcome to Ashuram Insurance Expert (accessible at https://ashuraminsurance.in/). These Terms & Conditions govern your access to and use of this website.
Ashuram Insurance Expert is the personal brand and advisory service of Ashuram Modi, an LIC Authorized Insurance Agent, based in Bhadra, Rajasthan. This website is informational and advisory in nature only and is not the official website of Life Insurance Corporation of India (LIC).
By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions. If you do not agree, you are requested not to use this website.
Ashuram Insurance Expert is an informational insurance advisory website created to provide general awareness, guidance, and facilitation support related to life insurance and allied insurance products. The website is intended to help users understand basic insurance concepts, policy features, procedural requirements, and commonly asked questions in a simple and clear manner.
This website operates as the personal professional platform of Ashuram Modi, who acts strictly in the capacity of an LIC Authorized Insurance Agent. The role of Ashuram Modi is limited to advisory and facilitation support only. No content published on this website should be considered as a recommendation, guarantee, or assurance regarding any insurance product, policy approval, claim settlement, returns, bonuses, or benefits.
The website does not sell insurance policies online, does not collect premiums, and does not process payments of any kind. All insurance policies are governed solely by the official terms, conditions, and documents issued by the Life Insurance Corporation of India (LIC). This website is not the official website of LIC and does not claim any ownership over LIC products, trademarks, or branding.
The services and advisory support offered through this website are strictly limited to a defined local geographical area. The primary service location is Bhadra, Rajasthan, along with nearby pin code areas ranging from 335501 to 335511. Taking Bhadra as the central location, insurance-related advisory assistance may be provided within an approximate 60-kilometer radius, subject to feasibility and applicable regulations.
No nationwide, pan-India, or global service claim is made or implied through this website. All information provided here is purely informational in nature and may be updated or modified from time to time without prior notice.
The content available on this website is provided strictly for general informational and awareness purposes only. The information shared is intended to help users understand basic insurance concepts, commonly used terms, procedural aspects, and general policy-related information.
Nothing contained on this website should be interpreted or relied upon as financial advice, investment advice, tax advice, legal advice, or professional consultation of any kind. The content published here does not consider the individual financial situation, risk appetite, personal needs, or legal circumstances of any user.
Users are strongly encouraged to carefully read and understand the official policy brochures, benefit illustrations, proposal forms, and policy documents issued by the Life Insurance Corporation of India (LIC) before making any insurance-related decision. Where required, users should seek independent advice from qualified financial advisors, tax consultants, legal professionals, or other competent experts.
Ashuram Modi acts only in the capacity of an LIC Authorized Insurance Agent and provides advisory and facilitation support based on general information. No assurance, guarantee, or promise is made regarding policy approval, claim settlement, maturity value, returns, bonuses, or benefits.
Final policy terms, benefits, conditions, eligibility criteria, and claim-related decisions are governed solely by the official policy documents, rules, and regulations issued by Life Insurance Corporation of India (LIC) from time to time. In case of any difference or conflict, the official LIC documents shall prevail.
Access to and use of this website is intended only for individuals who are legally eligible under applicable Indian laws. By visiting, browsing, or using this website in any manner, you confirm and represent that you are at least eighteen (18) years of age and are legally competent to enter into a binding agreement under the laws of India.
If you are accessing this website on behalf of another person, family member, or organization, you confirm that you have the necessary authority to do so and that such use complies with applicable laws and regulations. The website does not knowingly collect information from minors, and use of this website by individuals below the age of eighteen is strictly discouraged.
This website is designed primarily for users located in India. The services, information, and advisory assistance described on this website are intended for individuals residing within the defined local service area of Ashuram Insurance Expert, namely Bhadra, Rajasthan, and nearby pin code areas ranging from 335501 to 335511.
Taking Bhadra as the central location, advisory support may be offered within an approximate 60-kilometer radius, subject to feasibility, availability, and compliance with applicable LIC, IRDAI, and other regulatory requirements. Users accessing the website from outside this geographical area may view the content for general informational purposes only.
By accessing or using this website, users agree to act responsibly, lawfully, and in good faith. Users acknowledge that this website is provided for informational and advisory awareness purposes only and agree to comply with all applicable laws, regulations, and these Terms & Conditions.
Users agree to provide true, accurate, current, and complete information when contacting Ashuram Insurance Expert through website forms, phone calls, emails, or other communication channels. Providing false, misleading, incomplete, or impersonated information is strictly discouraged and may result in refusal of assistance.
Users further agree to use this website only for lawful and genuine informational purposes. Any attempt to misuse the website, including unauthorized access, copying, modification, data extraction, or disruption of website functionality, is strictly prohibited.
Users must not represent or imply that this website is an official platform of the Life Insurance Corporation of India (LIC) or that Ashuram Insurance Expert holds any authority beyond that of an LIC Authorized Insurance Agent.
Any misuse of the website, violation of these Terms, or unlawful activity may result in restriction or denial of access and, where applicable, legal action in accordance with Indian law.
All original content published on this website, including but not limited to text, articles, explanations, layouts, design elements, graphics, and overall presentation, is the intellectual property of Ashuram Insurance Expert, unless otherwise stated. Such content is protected under applicable Indian copyright and intellectual property laws.
Users are permitted to access and use the website content solely for personal, non-commercial, and informational purposes. No part of this website may be copied, reproduced, republished, uploaded, transmitted, modified, distributed, or used for any commercial or unauthorized purpose without prior written permission from Ashuram Insurance Expert.
The name, logo, trademarks, service marks, product names, policy names, and branding related to the Life Insurance Corporation of India (LIC) are the exclusive intellectual property of LIC. Any reference to LIC on this website is made strictly for informational, identification, and explanatory purposes only.
Nothing contained on this website should be interpreted as ownership, partnership, sponsorship, or endorsement by LIC beyond the authorized agency relationship. Unauthorized use or misrepresentation of website content or LIC-related intellectual property may result in appropriate action under applicable Indian laws.
This website may contain links to third-party websites, platforms, or online resources for the convenience and reference of users. Such links may include official portals of the Life Insurance Corporation of India (LIC) or other external websites providing general insurance-related or informational content.
Ashuram Insurance Expert does not own, operate, manage, or control any third-party websites. The inclusion of any external link does not imply any endorsement, recommendation, sponsorship, affiliation, or approval of the content, services, views, or practices of such third-party websites.
We do not guarantee the accuracy, completeness, reliability, availability, or timeliness of information available on third-party websites. External websites are governed by their own terms of use and privacy policies, which may differ from those of Ashuram Insurance Expert.
Users access third-party links at their own discretion and risk. Ashuram Insurance Expert shall not be responsible or liable for any loss, damage, or consequences arising from the use of or reliance on content, services, or information available on external websites.
Ashuram Insurance Expert makes reasonable efforts to ensure that the information provided on this website is accurate, current, and relevant at the time of publication. However, insurance-related information, including rules, products, benefits, eligibility criteria, procedures, and regulatory requirements, is subject to frequent changes by insurers and regulatory authorities.
Due to the evolving nature of insurance products and regulations, no representation or warranty, express or implied, is made regarding the completeness, accuracy, reliability, or suitability of the information available on this website for any particular purpose. Information provided may become outdated or incomplete over time.
Ashuram Insurance Expert reserves the right to update, modify, revise, or remove any content on this website at its sole discretion and without prior notice. Users should not assume that the information published on the website is always the most recent or applicable in all situations.
Users are strongly advised to refer to official policy brochures, benefit illustrations, proposal forms, and policy documents issued by the Life Insurance Corporation of India (LIC) for final, accurate, and legally binding information. In case of any inconsistency, the official LIC documents shall prevail.
To the maximum extent permitted under applicable Indian laws, Ashuram Insurance Expert and Ashuram Modi shall not be held liable for any loss, damage, or inconvenience arising out of or in connection with the access to, use of, or reliance on this website or its content.
This limitation applies to all forms of loss, whether direct or indirect, incidental, special, consequential, or punitive in nature. Without limitation, this includes loss of data, loss of business opportunities, loss of profits, interruption of services, policy rejection, claim outcomes, or any loss arising from reliance on informational content provided on the website.
Ashuram Insurance Expert does not guarantee policy approval, claim settlement, maturity benefits, returns, bonuses, or any specific insurance-related outcome. All insurance decisions and outcomes are governed solely by the official terms, conditions, and rules issued by the Life Insurance Corporation of India (LIC).
Notwithstanding anything stated elsewhere on this website, the maximum aggregate liability, if any, of Ashuram Insurance Expert and Ashuram Modi arising out of or related to the use of this website shall be strictly limited to ₹100 (Rupees One Hundred only), to the fullest extent permitted under Indian law.
The collection, use, storage, and handling of any personal or contact information shared by users through this website are governed by the Privacy Policy of Ashuram Insurance Expert. The Privacy Policy explains how user information is collected, used, protected, and handled in accordance with applicable Indian laws, including the Information Technology Act, 2000 and related rules.
Users are advised to carefully review the Privacy Policy before using this website or sharing any personal information. The Privacy Policy is available at: https://ashuraminsurance.in/privacy-policy.php
By accessing, browsing, or using this website, or by contacting us through forms, phone calls, emails, or other communication channels, users acknowledge that they have read and understood the Privacy Policy and consent to the collection and use of information as described therein.
If a user does not agree with any part of the Privacy Policy, they are advised to discontinue the use of this website and refrain from sharing personal information.
Ashuram Insurance Expert reserves the right, at its sole discretion, to restrict, suspend, or terminate a user’s access to this website, either temporarily or permanently, without prior notice, where such action is considered necessary to protect the website, its content, or its lawful operation.
Access may be restricted or terminated if a user violates these Terms & Conditions, misuses or attempts to misuse website content, or engages in any unlawful, misleading, fraudulent, or inappropriate activity while using the website or communicating through it.
Termination may also occur where a user provides false or misleading information, attempts unauthorized access, disrupts website functionality, or represents this website as an official platform of the Life Insurance Corporation of India (LIC) or beyond the permitted advisory role.
Such restriction or termination shall not limit or affect any legal rights or remedies available under applicable Indian laws. Ashuram Insurance Expert shall not be liable for any loss or inconvenience resulting from such action.
These Terms & Conditions, along with any related policies, notices, or disclaimers published on this website, shall be governed by and interpreted in accordance with the laws of India, without regard to any conflict of law principles.
Any dispute, claim, difference, or legal proceeding arising out of or in connection with the access to, use of, or reliance on this website, its content, or the services described herein shall be subject to the exclusive jurisdiction of the competent courts located within the State of Rajasthan, India.
Users expressly agree that the courts in Rajasthan shall have sole and exclusive authority to adjudicate any such matters, and no other court or forum shall have jurisdiction over such disputes.
Ashuram Insurance Expert reserves the right to update, modify, revise, or replace these Terms & Conditions at any time to reflect changes in applicable laws or regulations, updates in business practices, modifications to website functionality, or other operational requirements.
Any such changes will be published on this page along with a revised “Last Updated” date to indicate the effective date of the updated Terms & Conditions. Users are encouraged to review this page periodically to remain informed of any updates.
Continued access to or use of this website after changes have been posted shall be deemed as acceptance of the revised Terms & Conditions. If a user does not agree with any updated terms, they are advised to discontinue the use of this website.
By accessing, browsing, or using this website in any manner, or by contacting Ashuram Insurance Expert through website forms, phone calls, emails, or other communication channels, you expressly confirm that you have read, understood, and agreed to be bound by these Terms & Conditions.
You further acknowledge that Ashuram Insurance Expert operates strictly as an informational insurance advisory platform and that the services provided are limited to advisory and facilitation support only. No financial, legal, or professional advice is provided through this website, and no guarantees, promises, or assurances are made regarding insurance policy approval, claim settlement, returns, or benefits.
Your continued use of this website or communication with Ashuram Insurance Expert shall be deemed as your ongoing consent to these Terms & Conditions, as well as any related policies, notices, or disclaimers published on the website from time to time.
For any questions or concerns regarding these Terms & Conditions, please contact:
Ashuram Insurance Expert
Email: ashurambhadra@gmail.com
Phone: 9799771577, 9414536577
Address: Main Bus Stand Road, Near Ambedkar Chowk,
Bhadra, Rajasthan – 335501