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Are you an LIC agent looking to grow your insurance business?

In today’s competitive world, selling policies alone is no longer enough. To stand out and expand, LIC agents must use smart tools and modern strategies. One such powerful tool is the LIC Survey Form- a simple yet effective way to understand customer needs, build trust, and strengthen long-term relationships.

By using this form, you can not only stay connected with existing clients but also reach new prospects with confidence. It acts as a professional bridge between you and your customers, helping you position yourself as a trusted advisor rather than just a policy seller.

In this article, we’ll focus on the fifth question of the LIC Survey Form: “Are all your LIC policies linked to the NEFT system?” Though it sounds basic, this question holds hidden opportunities that can accelerate your business growth. Let’s explore how it can transform your approach to insurance marketing.

    Purpose of the Question

    The main purpose of this question is to ensure that every customer’s payment process is secure, transparent, and hassle-free. Through NEFT (National Electronic Funds Transfer), LIC directly credits policy payments to the customer’s bank account, ensuring safety and efficiency.

    However, the reality is that many policyholders still haven’t linked their policies to NEFT and this is where a great opportunity lies for every LIC agent. When you ask this question during your survey, you’re not just collecting information — you’re educating your customers about an important benefit and showing them that you truly care about their convenience and financial safety.

    In short, for an LIC agent, the true purpose of this survey question is much more than just compliance. It’s about building trust, awareness, and stronger relationships — making your customers feel that you are genuinely concerned about their well-being and committed to serving them better.

    The Fifth Question of the Survey Form: Key to Building Strong Customer Relationships

    In the insurance business, success comes not just from selling more policies but from earning the trust of the people you serve. When your clients believe that your goal is not merely to sell insurance and make money, but to genuinely act as their financial advisor who cares about their interests — your success becomes natural and effortless.

    When you ask customers during the survey, “Are all your policies linked to NEFT?”, you are doing much more than asking a routine question. You are subtly sending a powerful message-

    • that you care about the safety and timely credit of their hard-earned money,
    • that you are helping them stay updated with LIC’s latest technologies and processes, and
    • that unlike many agents who only focus on selling, you prioritize your customer’s benefit and financial well-being.

    In this way, this simple question becomes a bridge to build trust, credibility, and long-term relationships. Over time, these relationships can naturally open doors for cross-selling and referral opportunities, helping you grow your LIC business with stronger foundations and genuine connections.

    LIC Survey Form- The Fifth Question: Benefits of Linking Policies with NEFT

    At first glance, the fifth question in the LIC Survey Form - “Are all your policies linked to NEFT?” - may appear simple and routine. You might even feel that it has little to do with your business growth. But when you look deeper, you’ll realize that this question can open up new possibilities for you as an LIC agent.

    During your survey interactions, this question can become the starting point of an impactful conversation. It allows you to educate your customers about the benefits of linking their LIC policies with NEFT. You can highlight the following key points during your discussion:

    • Direct Payment: When policies are linked with NEFT, LIC directly transfers claim or maturity payments into the customer’s bank account. There’s no need to wait for cheques or drafts.
    • Faster & Safer Transactions: For unlinked policies, LIC must issue cheques or drafts and send them via post- which can cause delays or delivery issues. NEFT eliminates this risk, ensuring timely and secure payments.
    • Transparency: Payments made through NEFT appear directly in the customer’s bank statement, providing a clear and reliable transaction record.
    • Convenience: Without NEFT linkage, customers often face inconvenience- following up with their agent or bank to confirm payments. With NEFT, everything happens automatically and smoothly.
    • Trust & Reliability: As India’s largest life insurer, LIC builds greater confidence when customers see their funds credited safely and promptly through NEFT.

    By explaining these benefits during your survey, you not only create awareness but also position yourself as a knowledgeable, trustworthy, and customer-focused LIC agent. You demonstrate that your goal is not merely to sell policies but to help people experience a better, safer, and more transparent insurance journey.

    In the long run, this approach strengthens your reputation, deepens customer trust, and helps you build a sustainable, referral-driven LIC business.

    Practical Tips for Discussing the Fifth Question of the Survey Form

    From my personal experience, I can confidently say that when you ask this question during your survey, “Are all your policies linked to NEFT?” - you’ll receive a variety of responses from different people.

    Some will answer confidently, while others may hesitate or give vague answers. Among them, there will be many who don’t even know what the NEFT system actually is - yet they won’t admit it openly.

    A truly successful LIC agent understands this subtle reality. Your role is not just to ask questions, but to communicate in a way that makes your customers feel respected, understood, and comfortable, even when they lack technical knowledge. The key is to explain things clearly without making them feel ignorant or inferior.

    To do this, you can use real-life or relatable stories to simplify your message. For example, you might say:

    “One of my clients, Mr. Sudhir Kumar, purchased an LIC policy in 2019 that offered payouts every five years. However, his policy wasn’t linked with NEFT.

    In 2024, LIC issued a cheque for ₹1,20,000 as part of his policy benefits, but he never received it. During a survey in January 2025, when I checked his records, I found that LIC had already made the payment, but the cheque had been returned to the branch due to postal issues.

    I immediately helped him link his policy with NEFT and within a day, the full amount was directly credited to his bank account. Now, whenever LIC makes his next payment, he won’t need to do anything - the money will be deposited automatically!”

    When you share examples like this, customers not only understand how NEFT works, but also realize the real-world benefits of linking their policies. It builds their trust in you as an informed advisor and positions you as someone who genuinely looks out for their interests.

    In short, storytelling is one of the most effective tools an LIC agent can use. It makes complex topics simple, conversations engaging and relationships stronger - all while helping you grow your insurance business with credibility and care.

    The Fifth Question of the Survey Form: A Gateway to an Agent’s Success

    You might wonder — why is the fifth question of the LIC Survey Form so important for you as an LIC agent?

    In reality, this question can become a gateway to your long-term success when you use it strategically. By asking it, you achieve several key steps that directly help you grow your insurance business:

    • Updating Customer Data

      When you ask customers whether their policies are linked to NEFT, their responses help you identify who has updated details and who hasn’t. Many customers are often unsure and may even ask you to check their NEFT status.

      This gives you the chance to maintain proper records of such policies and policyholders — a valuable database that allows you to assist them in the future with their LIC policies or claims.

    • Providing Proactive Service

      Once you have accurate customer data, you can offer value-added services like premium reminders, income tax certificates, and payment notifications. These small but impactful gestures strengthen your after-sales service, helping you stand out as a responsible and dependable LIC agent.

    • Building Communication Opportunities

      Surveys are not just about collecting data — they’re about building relationships. Regular follow-ups and interactions after the survey give you repeated opportunities to reconnect with customers, their families, and potential referrals.

      This consistent communication keeps your name fresh in their minds and creates future sales opportunities.

    • Unlocking Cross-Selling Opportunities

      Every interaction opens the door to cross-selling. When customers see your dedication and trust you, they are more likely to consider new policies with LIC.

      Moreover, when a customer receives a claim or maturity payment, it’s a perfect moment — they experience the real benefits of insurance and feel motivated to reinvest. If you approach them the right way at that moment, selling becomes effortless.

    In essence, the fifth question of the LIC Survey Form is not just a survey query — it’s a business growth strategy. It helps you update records, strengthen service quality, build communication, and create sales opportunities.

    By using it effectively, you position yourself as not just an LIC agent but a trusted insurance advisor who cares, connects and creates lasting value.

    Conclusion

    For every LIC agent, each question in the LIC Survey Form is not just a formality - it’s a new opportunity to connect with people. When used thoughtfully, these questions can help you build trust, enhance your professional image, and open doors to new business possibilities in your area.

    Remember, success in the insurance business is not only about selling policies - it’s about building meaningful relationships and showing genuine care for your customers’ financial well-being. The survey form gives you a structured and effective way to do exactly that.

    So, if you truly wish to grow your LIC business and achieve lasting success, I strongly encourage you to complete this entire survey form series and apply the insights shared here in your daily interactions.

    I can say with full confidence - once you start using these techniques with sincerity and consistency, you’ll see a remarkable transformation in your business performance and reputation. The key to your success lies not in hard selling, but in smart connecting - and the LIC Survey Form is your perfect tool to make it happen.