Lic Merchant is a strange animal. It grew up on taxpayer subsidies and is a friend of the politician, who wants to do things that are below the radar. It was started with virtually no capital and the tax exemptions helped it to build an empire. The word “insurance” or “life” has less to do with its business. The empire has been built on the sale of ‘investment’ products rather than pure life insurance products. They have also sold “Fixed Deposits” for five and 10-year periods under some label or the other, calling them ‘single’ premium products. Thus the name is totally misleading.
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