Smart - All In One Calculator

InsuranceFunda

Contains adsIn-app purchases

About this app

📱 Smart – All In One Calculator

Made for LIC Agents | Not an Official LIC App

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🔒 Disclaimer

Smart – All In One Calculator is not affiliated with LIC, India Post, or any government body.
It is an independent educational and presentation tool developed to assist LIC agents and financial consultants with plan illustrations, training, and client servicing.

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🧠 What the App Offers

Built by InsuranceFunda.in, this app empowers LIC professionals to:
• 💡 Calculate accurate premiums across multiple LIC plans
• 📊 Generate detailed benefit charts and comparisons
• 📄 Create and share customized PDF presentations
• 🎓 Prepare for IC-38 training and exams
• 📋 Manage clients, proposals, and policy data
• 📈 Explore investment, pension, and retirement planning tools

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📚 Primary Sources of Information

All data is derived from publicly available and legally accessible sources. We do not simulate, scrape, or misuse any government systems.

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🧾 Reference Information Sources

🧷 IC-38 and Exam Support
• IC-38 Official Guide:
https://www.insuranceinstituteofindia.com/web/guest/new-ic-38-ia
• Exam Fee Payment (New NSEIT Link):
https://dexitexams.com/OnlinePayment/paymentRequest.jsp
• Download Hall Ticket:
https://www.iiiexams.org/Candidates/Hallticket
• Download Scorecard:
https://www.iiiexams.org/Candidates/Scorecard
• Find Exam Centres:
https://iiiexams.org/Home/ExamCenters

🧷 LIC Official Websites
• LIC Main Website:
https://www.licindia.in/
• Insurance Plans Catalog:
https://www.licindia.in/web/guest/insurance-plan
• ULIP NAV Updates:
https://www.licindia.in/web/guest/plan-nav1
• Premium Calculator:
https://ebiz.licindia.in/D2CPM/#qni/basicinfo
• LIC Digital Web Portal (Login):
https://ebiz.licindia.in/D2CPM/#Login
• e-NACH Registration:
https://enach.licindia.in/LICNACHClient/

⚠️ Some services (e.g., NRI Portal, NRI Quick Pay) are geo-restricted and may not be accessible from Indian IP addresses.

🧷 India Post Schemes
• India Post Schemes Directory:
https://www.indiapost.gov.in/directory

✅ Note:
This app is not endorsed by LIC, India Post, or NSEIT. Trademarks and copyrights belong to their respective owners. These links are provided for user verification and transparency only.

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📦 LIC Plans Covered

Smart – All In One Calculator helps you calculate, compare, and present a wide range of LIC offerings, including:
• ✅ Endowment Plans – for long-term savings + protection
• ✅ Money Back Plans – with periodic survival benefits
• ✅ Whole Life Plans – lifelong protection with returns
• ✅ Single Premium Plans – one-time payment with full benefits
• ✅ Children’s Plans – focused on education and marriage
• ✅ Pension Plans – annuity-based retirement solutions
• ✅ ULIPs – NAV-based market-linked investment options
• ✅ Bonus + FAB Calculators – including high SA scenarios

Plan numbers are excluded to ensure compatibility with LIC’s evolving product portfolio.

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👥 Who Should Use This App?

Perfect for:
• LIC Agents and Development Officers
• IC-38 Exam Candidates
• Financial Advisors and Insurance Trainers
• Policyholders exploring benefits and comparisons

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⚖️ Google Play Policy Compliance

Smart – All In One Calculator follows Google Play’s Misleading Claims Policy:
• ✅ No simulation of government or official systems
• ✅ No policy purchase or servicing functionality
• ✅ No collection of confidential data
• ✅ Designed purely for training and education

Disclaimers are clearly shown inside the app and store listing.

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🔐 Privacy Policy

No personal data is collected or sent to servers.
All client and policy data is stored locally on your device.

📄 Full privacy policy:
https://www.insurancefunda.in/smart-all-in-one-calculator-privacy-policy

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👤 Developed by InsuranceFunda

Trusted by over 10 lakh LIC professionals, InsuranceFunda is India’s most popular insurance learning and productivity platform.

🌐 Visit:
https://www.insurancefunda.in

Ratings and reviews

Iam having premium version. while sharing quotation in the benefit and coverage table I couldn't share the compact version, only detailed version i could share. it is causing too much complications to the customer. please fix it.

In this, the letters and digital nos are given very small size fond and please darken the letters and digitals. otherwise we can't read properly Specially aged persons. so pls highlight or darken the letters and digital numbers. in this unable to read because of jest like fad letters.tks.

super app but surrender value of Whole life plan like Jeevan Umang and Utsav are not correct. Also policy term is till 100 years of policy holder depending on the age he enters. Pls freeze the policy term . Also surrender value calculation is wrong. The accumulated Bonus is not given at the time of surrender. There is only a percentage of Accumulated bonus and some percentage of Total premium paid given at the time of surrender . pls check the calculation.

What’s new

Version 8.03
1. Fully Redesigned SMART UNDERWRITER
2. All tools redesigned
3. Added more forms
4. Redesigned resources section
5. Important bug fixes and more