Accidents happen when you least expect them. Whether it’s a road mishap, a fall, or a workplace injury, the emotional and financial toll can be devastating. I am Shankar Krishna Sawant, an authorized LIC Insurance Advisor based in Bardez, North Goa. From my office at H No 585/4 Malim Betim, Penha de France, near Datta Mandir, I guide individuals and families through accident insurance planning with LIC.
An accident insurance policy is a crucial layer of protection that supports your family when you face physical injury, disability, or even death due to an accident. Medical costs, income loss, and household expenses can quickly pile up during recovery. Having accident insurance gives you peace of mind and financial stability in such tough times.
LIC offers accident insurance plans that cover death, partial or total permanent disability, and temporary disability. These policies pay a lump sum benefit to help you manage treatment costs, recovery, and ongoing financial responsibilities. Whether you are self-employed, a daily wage worker, or a salaried employee, accident insurance ensures that your financial planning stays intact even during unexpected setbacks.
I understand that every individual’s lifestyle and risk factors are different. I evaluate your profession, daily routine, and financial responsibilities to suggest a policy that matches your needs. Whether you want a standalone accident plan or want to include accident coverage as a rider with your existing policy, I explain every option in simple terms and guide you through the paperwork.
Accidental Death Benefit: A lump sum payout to your nominee in case of accidental death.
Permanent Disability Coverage: Financial support if you lose a limb, sight, or ability to work due to an accident.
Weekly Income Benefit: Compensation for temporary disability that keeps you from working.
Affordable Premiums: High coverage at low premium rates.
Rider Option: Add-on available with other LIC life insurance plans for broader protection.
Last year, I helped a young mechanic from Betim opt for accident insurance after a discussion about work-related risks. Unfortunately, he suffered a leg injury due to a roadside accident. His policy provided the necessary financial cushion during recovery. That support helped him cover medical costs and manage household expenses without borrowing money.
After issuing the policy, I stay connected with every client. I help with NEFT registration, nominee change, address updates, and, most importantly, with guiding through claim submissions. I make sure that when you or your family need the policy benefits, you do not face delays or confusion.
No one can predict an accident, but you can plan ahead. Accident insurance is not just about protecting yourself—it’s about protecting your family’s income and lifestyle. I provide clear, honest guidance so you feel confident in your decision.