Secure Your Family's Future Today with the Right Insurance Plan
I'm Lincy Thomas, a trusted Life Insurance & Health Insurance Consultant with 24+ years of experience. I've helped 4500+ families across Kerala get the right life, health and retirement cover — at the best price, with lifetime claim support.
Find Your Perfect Plan in Seconds
Pick your life stage or a specific LIC plan — I'll show you the right options.
Meet Lincy ThomasYour Trusted Insurance Partner in Kerala
Namaste! I'm Lincy Thomas, a passionate Life Insurance & Health Insurance Consultant based in Kasaragod, Kerala, India. For over 24+ years, I have dedicated my career to one mission — helping families across Kerala secure their financial future with the right insurance cover.
From a young girl's education plan to a senior citizen's health cover, from a newlywed couple's term insurance to a businessman's retirement planning — I have personally guided over 4500+ families through every stage of life. What sets me apart is not just the number of policies I've sold, but the relationships I've built and the claims I've helped settle during families' most difficult moments.
My promise is simple — honest advice, the right plan, and lifetime support. No mis-selling, ever.
From a Newborn's 30th Day to Age 80+
Whatever your stage of life, I have the right insurance cover for you and your loved ones. Explore the full range of life & health insurance services I personally offer.
Child Plans (30 Days onwards)
Secure your child from birth — education, marriage & milestones
A small step today = your child's worry-free tomorrow.
Start the moment your baby is born. Child plans can begin at just 30 days of age and fund every milestone — schooling, higher education, and marriage — with guaranteed payouts even if something happens to you.
- Entry age as low as 30 days
- Premium waiver if parent is no more
- Guaranteed money at age 18, 21, 22 & 25
- Covers education + marriage in one plan
Start-Early Wealth Plans
Begin at 18 — small premium, huge maturity
Start at 18, retire rich at 50. The earlier you begin, the less you pay.
Just started earning? This is the golden window. Lock in low premiums for 25-35 years and let compounding build a multi-lakh corpus while you also get full life cover and tax savings.
- Lowest premiums when you start at 18
- Build ₹50L+ corpus over 25 years
- Full life cover from day one
- Save tax under 80C + 10(10D)
Family Protection & Income Plans
Term cover + regular income for couples
Your family should never struggle — protect them while premiums are lowest.
Newly married or expecting a child? Get a ₹1 Crore term plan at the cheapest premium of your life, plus income-benefit plans that pay your family every year — even if you're not around.
- ₹1 Crore term cover from ₹499/month
- Income benefit plans for couples
- Joint-life cover with spouse
- Critical illness + accident riders
Working Women Plans (Bima Lakshmi)
Women-only plan with guaranteed returns + female critical illness cover
Independent women deserve independent financial security.
LIC Bima Lakshmi is built exclusively for women — a guaranteed money-back plan with survival benefits, life cover, and a unique Female Critical Illness benefit. Premiums are lower for women across all plans.
- Exclusively for women (Plan 881)
- Guaranteed Additions every year
- Female Critical Illness cover built-in
- Special lower premium rates for women
Single Deposit → Income from Next Month
Pay once. Get guaranteed income every month — for life.
One deposit today = guaranteed monthly income forever.
Have a lump sum from PF, gratuity, property sale or savings? Convert it into a guaranteed monthly income that starts the very next month and continues for life. Perfect for retirees, NRIs and senior citizens.
- Pay premium just ONCE
- Income starts from next month
- Guaranteed payouts for lifetime
- Joint-life option with spouse
Regular Income Benefit Plans
Yearly income for life — even after premium stops
Stop paying. Start receiving. For life.
Pay premiums for a limited period, then receive a guaranteed yearly income for the rest of your life. Ideal for creating a pension-like stream while still retaining life cover and a maturity lump sum.
- Limited premium paying term
- Yearly income for whole life
- Lump sum on maturity/death
- Bonus + Final Additional Bonus
Endowment Plans (Guaranteed Returns)
Save regularly, get guaranteed maturity + life cover
Safe, guaranteed, and trusted by millions of Indian families.
The backbone of Indian savings — endowment plans give you disciplined monthly savings, guaranteed maturity benefits, bonuses, and full life cover. Your money grows safely with zero market risk.
- Guaranteed maturity + bonuses
- Life cover throughout the term
- Loan available after 3 year
- Tax-free maturity under 10(10D)
Market-Linked ULIP Plans
Invest in equity markets with insurance + switching
Beat inflation. Grow wealth. Stay insured.
Want higher returns than FDs? ULIP plans invest your money in equity and debt funds with life cover built-in. Switch between funds anytime — and all maturity proceeds are tax-free.
- Equity market-linked returns
- Switch funds anytime (equity ↔ debt)
- Life cover + investment in one
- Tax-free maturity under 10(10D)
Gift-a-Child Plans for Grandparents
Grandparents gift a guaranteed future to grandchildren
The greatest gift? A secure future. Grandparents, give forever.
A grandparent's love, made permanent. Start a policy in your grandchild's name with a single deposit — they receive guaranteed money at 18, 21 & 25 for education and marriage. A gift they'll never forget.
- Single deposit — no recurring premium
- Payouts at grandchild's age 18, 21, 25
- Entry age from 30 days
- Perfect gift for birthdays & milestones
Health Insurance (All Major Insurers)
Family floater, critical illness & senior citizen cover
Don't let one hospital bill destroy your family's future.
One medical emergency can wipe out years of savings. I compare health plans across Star Health, HDFC ERGO, ICICI Lombard, Niva Bupa, Care, Bajaj Allianz & Tata AIG to find you the best cover at the lowest premium.
- Cashless at 10,000+ hospitals
- Critical illness cover up to ₹1 Cr
- Senior citizen plans (no age limit)
- Pre & post hospitalisation covered
Not sure which plan suits you?
Get a personalised insurance portfolio review — completely free. I'll analyse your current cover and suggest the best gaps to fill.
Two Hearts. One Mission.
For over 24+ years, we've walked alongside thousands of Kerala families — through newborns' first lullabies, daughters' weddings, retirements and the difficult goodbyes. Together, Lincy Thomas and Shaji Varghese bring you double the experience, double the trust and double the dedication — all under one roof. When you call us, you don't get just an agent; you get a family committed to your family's security, for life.
"Insurance isn't a product we sell — it's a promise we keep. Every policy we write is a hand we hold, for life."
More Than an Agent — Your Family's Guardian
Choosing the right insurance advisor is as important as choosing the right plan. Here's why thousands of families in Kerala trust me with their most important financial decisions.
24+ Years of Expertise
Serving since 2002 — over two decades of dedicated service in life and health insurance, helping families across Kerala make informed decisions.
4,500+ Families Helped
Trusted by thousands of families who rely on my guidance for their life, health and retirement planning needs — with over 4,500 policies issued since 2002.
Claim Settlement Help
Personal handholding during the entire claim process ensuring quick and hassle-free settlement for your loved ones.
Unbiased Plan Comparison
I compare plans across insurers to recommend only what truly suits your goals, budget and family needs — never a one-size-fits-all.
Free Full Support, Always Included
From policy purchase to maturity and claims, I personally stay available throughout the journey of every policy I sell — full support is included, never an extra charge.
Free Financial Review
Complimentary assessment of your existing insurance portfolio and a personalised roadmap to close any protection gaps.
My Focus Areas
Six pillars that guide every recommendation I make for your family
Major Focus Plans I Recommend
Hand-picked LIC plans offering the best mix of protection, savings and returns. Each plan is customised to your age, income and family goals.
LIC Amritbaal
Gift your child a guaranteed future from 30 days
- Entry age from just 30 days
- Guaranteed payouts at age 18, 20, 22 & 25
- Premium waiver if parent passes away
- Annual additions + final additional bonus
LIC Endowment Plan (New)
Guaranteed maturity + life cover + bonus
- Guaranteed Sum Assured on maturity
- Life cover throughout the term
- Simple Reversionary Bonus + FAB
- Loan available after 3 years
LIC Jeevan Utsav
Pay once or limited — get income for life
- Whole life insurance plan
- Two options: Regular or Flexi Income
- 10% of Sum Assured paid every year for life
- Single premium OR limited pay available
LIC Jeevan Shanti
One deposit. Guaranteed monthly income for life.
- Single premium — pay only once
- Immediate OR deferred annuity options
- Single Life or Joint Life (with spouse)
- Guaranteed income starts next month
Other Recommended Plans
More plans tailored to specific goals and budgets.
LIC Bima Lakshmi
Made for women — guaranteed money-back + critical illness
LIC Jeevan Umang
Yearly income for life after premium term ends
* Plan details are indicative. For exact premium, benefits and current bonus rates, please contact me directly. LIC plans are subject to terms & conditions of LIC of India.
Your Journey to Financial Security in 5 Simple Steps
From the first hello to full ongoing support — here's exactly how I make insurance simple, transparent and stress-free for you.
Free Consultation
Share your goals, income and family details over a call, WhatsApp or in-person meeting — completely free of cost.
Needs Analysis
Lincy analyses your requirements, existing policies and protection gaps to build a personalised insurance roadmap.
Plan Recommendation
Get a clear comparison of the best-suited life & health plans with transparent premium and benefit break-up.
Documentation & Issuance
Hassle-free paperwork, digital proposal submission and quick policy issuance with the lowest possible premium.
Full Ongoing Support
Premium reminders, policy reviews and complete claim assistance — full support is included, never an extra charge.
Awards & Achievements
Recognised by LIC of India and the insurance industry for excellence in service, ethics and consistent performance over the years.
MDRT Qualifier — 20 Times
Qualified for the prestigious MDRT 20 times — placing Lincy among the top 1% of life insurance advisors worldwide. MDRT ID: 524634.
Court of the Table (COT) — 2 Times
Achieved Court of the Table status twice — an elite honour reserved for advisors in the top 0.5% globally, far beyond standard MDRT qualification.
Double MDRT — 3 Times
Earned Double MDRT qualification three times — doubling the standard MDRT production requirements, a mark of exceptional, consistent performance.
Chairman's Club Member
Member of the Chairman's Club — LIC's highest-tier club for top-performing agents, recognising sustained excellence in premium, policies and service.
Galaxy Club Member
Inducted into the Galaxy Club, an exclusive circle of LIC's star advisors who consistently deliver outstanding business and client service year after year.
Corporate Club Member — 10 Years
Held Corporate Club membership continuously for over 10 years — a testament to unbroken, year-on-year top-tier performance since joining LIC in 2002.
One Day Centurion — 3 Times
Issued 100+ policies in a single day, three separate times — a rare feat achieved by only a handful of agents across India.
4,500+ Policies Issued
Personally issued over 4,500 policies since starting in 2002 — protecting 4,500+ families across Kerala with the right life and health insurance cover.
Moments of Trust & Service
A glimpse into my journey — award ceremonies, client meetings, certificates and community events dedicated to financial literacy.
What My Clients Say
Real stories from real families I've had the privilege to protect. Their trust is my greatest achievement.
“Lincy madam guided us to choose the perfect term plan and health cover for my entire family. Her after-sales service, especially during my father's hospitalisation claim, was outstanding. Truly a consultant who cares.”
Lincy madam guided us to choose the perfect term plan and health cover for my entire family. Her after-sales service, especially during my father's hospitalisation claim, was outstanding. Truly a consultant who cares.
I wanted to secure my daughter's education and marriage. Lincy explained the LIC Kanyadaan plan so patiently and the maturity benefit has given me total peace of mind. Highly recommended for every parent.
After retirement I was worried about regular income. Lincy ji suggested the New Pension Plus plan and now I receive a guaranteed pension every month. Her honest advice has changed my life.
As a homemaker I didn't understand insurance at all. Lincy visited my home, explained everything in simple Malayalam and helped my family get a complete health cover. May God bless her work.
Even though I'm based in Bangalore, Lincy managed everything digitally for my LIC Jeevan Anand policy. Quick responses, transparent advice and zero mis-selling. Exactly what an NRI professional needs.
I trust Lincy completely for all my insurance needs. When my husband passed away unexpectedly, she personally handled the entire claim and the money reached us within 30 days. Forever grateful.
Authorised to sell & service India's most trusted insurers
As a licensed IRDAI agent, I help you compare and choose plans from LIC and India's leading health & general insurance companies.
Questions?
I Have Answers.
Here are answers to the questions I get asked most often. Still have a doubt? Just reach out — I'm happy to explain anything in detail, no obligation.
Still confused?
Get a free 15-minute call to clear all your doubts about insurance.
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Let's Talk About Your Family's Security
Reach out any way you like — call, WhatsApp, email or visit my office. I'm always happy to help you make the right insurance decision.