Jay shree ram

1. WELCOME
TO THE PRESENTATION ON
RIGHT TO INFORMATION
BY
LIFE INSURANCE CORPORATION OF INDIA
Presented By
P R Mishra
Secretary (RTI),LIC

2. BROAD OUTLINES
AND FUNCTIONS OF
THE ORGANISATION

3. L.I.C. was formed on 1st September, 1956 after nationalizing 245
erstwhile private Insurance companies operating in India, mainly for
 Spread Life Insurance widely and in particular to the rural areas
and to the socially and economically backward classes with a view to
reaching all insurable persons in the country and providing them
adequate financial cover against death at a reasonable cost.
 Maximize mobilization of people's savings by making insurance-
linked savings adequately attractive.

4. Functions of the Corporation
Sec 6 of LIFE INSURANCE CORPORATION ACT, 1956
6. (1) Subject to the rules, if any, made by the Central
Government in this behalf, it shall be the
general duty of the Corporation to carry on life
insurance business, whether in or outside India, and
the Corporation shall so exercise its powers under
this Act as to secure that life insurance business is
developed to the best advantage of the community.

5. CENTRAL OFFICE
8 ZONAL OFFICES
113 Divisional Offices
2048 Branches
73 Customer Zones
25 Mash Centres
1401 Satellite Offices
1240 Mini Offices
5
ORGANIZATIONAL
STRUCTURE
Premium Points - 30992 Life Plus Offices - 2155

6. 6
LIC
Offices
Products
Marketers
Employees
Policies
Financials
Products available for Sale
 Life Assurance
 Annuity (Immediate)
 Micro Insurance
 Health Insurance
 P&GS
10.61 Lakh Individual
Agents
(as on 31.03.2016)
1.15 lakh Employees
(as on 31.03.2016)
2.05 cr. New Policies
29.02 cr. Policies in Force
(2015-16)
Surplus Rs. 93,369 cr
(as on 31.03.2016)
Total 4909 Offices
(as on 31.03.2016)

7. HIGHLIGHTS
Achievements as on 31.3.2016…
 23 Products available for sale under individual
business catering to the different needs of customer
segments.
 Life Fund- Rs. 20,57,625 Crs.
 Investment, rental & Othr. Income of Rs. 146,802 crs.
 Surplus Fund of Rs. 93,369 crs.
 Market Share of 70.44% in FYP & 76.84% in NOP.
 No. of Policies of In-force policies - 27.92 Crs

8. BROAD AREAS/SCHEMES HAVING
INTERACTION WITH PUBLIC

9. 9
Sl.
No.
Segment wise No.
1 Individual Assurance 23
2 Pension & Group Schemes 09
3 Health Insurance 1
4 Micro Insurance 2
5 Riders 06
Products Available For Sale
(as on 31.03.2016)

10. VARIOUS MEASURES TAKEN FOR
DISSEMINATION OF INFORMATION TO
THE PUBLIC

11. Branch Offices (BOs)
2,048
Satellite Offices (SOs)
1,401
Premium Points
30,991
Life Plus Offices
2,155
Customer Zones
73
Mini Offices (MOs)
1,240
Servicing Touch
Points
Measures Taken for Dissemination of information

12. Facebook, Youtube,
Twitter
Press, Digital
Advertisement
Corporate and
Product promotions
Service and Customer
Education Campaign
T.V., Radio
Advertising in
Website like Yahoo,
TOI, ET
PR & PUBLICITY

13. STRUCTURE OF MECHANISM TO DEAL
WITH INFORMATION UNDER R.T.I.

14. Implementation of RTI Act 2005
in LIC
Our Customers can lodge/seek information from
our robust R.T.I. Structure
There are total 3538 CAPIOs as follows-
 Branch I/Cs 2048
 Satellite I/Cs 1401
 P&GS Unit I/Cs 77
 Audit Centre I/Cs 12
TOTAL 3538

15. For responding to queries pan India, we have got
the following structure.
• TOTAL NO. OF CPIO : 130
• Manager(CRM) at DO: 113
• Manager Admn at ZTC : 08
• Secretary (CRM) at ZO : 08
• Chief(RTI) at CO : 01
• Same no. of Appellate Authorities also are in
place i.e., 130

16. FEEDBACK RECEIVED FROM
PUBLIC/SUCCESS STORIES REGARDING RTI

17. Based on feedback received from the public, LIC has
improvised the internal systems resulting in
 Settlement of claims through NEFT.
 Policy Holders can pay premium through Portal
payment, ECS mode , mobile application without
visiting our Branches.
 Transparency in the Appraisal system for Officers
has been brought in with the introduction of
Annual Performance Assessment Report

18. WAY FORWARD TO MAKE
INFORMATION DISSEMINATION MORE
ROBUST AND PUBLIC FRIENDLY

19. • By maximizing voluntary disclosures on
website, we intent to reduce the RTI queries
• We intent to highlight replies to frequently
asked queries (FAQ) and their replies to
reduce repetitive RTI queries
• Provide more training to employees on RTI
matters

20. TYPE OF INFORMATION BEING SOUGHT
BY THE INFORMATION SEEKERS

21. • Policy details / reinstatement of Surrendered
policies
• Policy maturity /annuity policy/loan details
• Cash hours / meal coupon/ commission paid
• Action taken on letter sent to Higher Authorities
• Product details/new products launched by LIC
• Return on LIC policy
• Authorities for Grievance redressal.

22. • CR/SPECIAL CR/DOPA/APAR
• Details on Disciplinary proceedings/Vigilance
matters.
• HFL related queries/housing loan subsidy
• Rules related to Promotion/Reason for Non
promotion.
• Development Officer related queries.
• Promotion and Transfer Policy / Seniority list/
Cadre strength.

23. • Staff expenses.
• Bank assurance premium and Lives
• Property details of LIC at various places
• Notification of AAO/ADO/Exam results/Cut off
marks/Marks Scored.
• Advertising Agency/CC matters.
• Policy details of Husband/Wife .
• e Insurance related queries.

24. THEIR DELINEATION INTO VARIOUS
CATEGORIES SUBJECT WISE

25. Broadly delineated into five categories:
1. Policy Holders grievance related.
2. Employees‘ Benefit related.
3. Public interest about structure, Financials,
Rules and Regulations, Roles of Employees.
4. Product related queries from general public.
5. Marketing Personnel incentives related.

26. THE TOP 10 MOST FREQUENTLY ASKED
INFORMATION

27. 1. Customers asking for Policy details/Policy
maturity annuity policy/loan details
2. Employees asking for CR/SPECIAL
CR/DOPA/APAR
3. Details of Notification of AAO/ADO/Exam
results/Cut off Marks.
4. Promotion and Transfer Policy / Seniority list/
Cadre strength.
5. Investment Department details

28. 6. Staff expenses, Buildings of L.I.C.
7. Details on Disciplinary proceedings/Vigilance
matters.
8. Agency /FSE/DSE /SME related Rules and
Regulations.
9. Action taken on letter sent to Higher
Authorities
10.Marketing personnel incentive related queries

29. THE SOLUTION/SYSTEMATIC
IMPROVEMENTS THAT HAVE BEEN
BROUGHT ABOUT IN THE GOVERNANCE
BASED ON (III) ABOVE

30. To bring about systematic improvements, transparency in
the Appraisal system for Officers has been brought in with
the introduction of Annual Performance Assessment Report
 The system is fully online and transparent.
 Customer Relations Management Department has come
out with instructions to all offices introducing better servicing
standards and redressing grievances of customers.

31. METHOD ADOPTED FOR QUICK
DISPOSAL OF RTI APPLICATIONS

32. RTI ON-LINE MODULE
• We have adopted DOPTs Online RTI module
in L.I.C w.ef 01.08.2015. It has connected
Central Office with all Zones ,all Divisions
and a few branches .
• With the co-operation of DOPT, we have
been able to give Hindi replies to Hindi
applications thereby increasing our reach
widely.
• In this endeavour, we are also providing 5
pages free of cost to the R.T.I. applicant
along with reply.
32

33. STEPS BEING TAKEN FOR ACHIEVING
GREATER TRANSPARENCY THOUGH
VOLUNTARY DISCLOSURE AS
ENVISAGED IN SECTION 4 OF RTI ACT

34. MATTER UNDER 4(1)(B)
• Suo motu disclosures under Section 4(1) (b) of RTI
Act, 2005:
• Information is available in the LIC web-
www.licindia.in – RTI Centre
• Information is also available in the LIC web site
regarding Further disclosures under 4(1)(b) and
other Disclosures – RTI Centre
• Information are updated at regular intervals
34

35. THE YEAR-WISE NUMBER OF
R.T.I.APPLICATIONS AND FIRST APPEALS
RECEIVED

36. 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11
Applications 187 1311 2616 4555 6897 9553
Appeals 1 9 394 982 1473 1919
2011-12 2012-13 2013-14 2014-15 2015-16
Applications 12350 13536 14665 15047 16424
Appeals 2242 2425 2474 2281 2784

37. SOME OF THE SUCCESS STORIES AS A
RESULT OF ENACTMENT OF THE RTI ACT

38. SUCCESS STORIES IN LIC
 Settlement of claims through NEFT.
 Policy Holders can pay premium through Portal
payment, ECS mode , mobile application without
visiting our Branches.
 Transparency in the Appraisal system for Officers
has been brought in with the introduction of
Annual Performance Assessment Report