Terms & Conditions

Last updated: 31 August 2026

This website is owned and operated by Rahul Kumar Mishra, Senior Insurance Advisor, practising under the name Rahul Insurance Wale from Bahuara More, Deo, PO + PS Deo, Aurangabad, Bihar 824202. By accessing this website or submitting an enquiry through it, you accept the terms set out below. If you do not agree with them, please do not use this website.

1. What this website is

This website introduces the advisory services of Rahul Kumar Mishra and allows you to request a consultation. It is an informational and enquiry platform. It is not an insurance company, not a policy-issuing portal, and no policy is sold, activated or renewed on this site.

2. Nature of the services

• Rahul Kumar Mishra acts as an insurance advisor, distributing products of Life Insurance Corporation of India and Star Health and Allied Insurance to clients who choose to proceed.
• All policies are issued directly by the respective insurance company. Acceptance of a proposal, the premium charged, and any claim decision rest solely with that company.
• The advisor facilitates the application and supports you at servicing and claim stage, but does not underwrite risk and cannot approve or guarantee any policy or claim.

3. Information is general, not personal advice

The content on this website — including descriptions of retirement, education, tax saving, wealth creation and protection planning — is general in nature. It does not take into account your particular financial position, needs or objectives. Nothing on this site should be treated as personalised financial, legal or tax advice. Please seek a consultation before acting on anything you read here.

4. Policy documents prevail

Benefits, features, exclusions, waiting periods, charges and payout conditions of any insurance product are governed entirely by the policy document, the prospectus and the sales literature issued by the insurance company. Where anything on this website differs from those documents, the insurer's documents prevail. Please read them carefully before concluding a purchase.

5. No guarantee of returns

Insurance and investment-linked products are subject to the terms of the product and, in some cases, to market risk. Illustrations of maturity value, pension amount or corpus are projections based on assumptions and are not a promise or guarantee of future performance. Past performance does not indicate future results.

6. Tax matters

Any reference to tax benefits, including under Sections 80C, 80D or 10(10D) of the Income Tax Act, 1961, is based on the tax law in force at the time of writing and is subject to change. Your actual benefit depends on your income, your chosen tax regime and your individual circumstances. Please confirm your position with a qualified tax advisor.

7. Your responsibilities

• Provide accurate, complete and truthful information in enquiries and in any proposal form. Incorrect or withheld information can cause a claim to be rejected by the insurer.
• Read the policy document and the illustration before signing, and ask questions about anything you do not follow.
• Pay premiums to the insurance company through the official channels only. Never pay premiums in cash to any individual against a personal receipt.
• Use this website lawfully, and do not attempt to disrupt, copy or misuse it.

8. Testimonials

Client feedback shown on this website reflects the experience of individual clients. Individual experiences vary, and a testimonial is not a guarantee that you will obtain the same outcome.

9. Third-party links

This website links to external services such as WhatsApp, Google Maps and social media platforms. Those platforms are operated by third parties under their own terms and privacy policies. We are not responsible for their content, availability or practices.

10. Intellectual property

The design, layout, text, images and graphics on this website belong to Rahul Kumar Mishra or are used with permission, and may not be copied, reproduced or republished without written consent. Company names, logos and product names of insurers referred to on this site remain the property of their respective owners.

11. Limitation of liability

This website is provided on an "as is" basis. While we take care to keep the information accurate and current, we do not warrant that it is complete, error-free or uninterrupted. To the extent permitted by law, we are not liable for any indirect or consequential loss arising from use of this website or from reliance on its general content. Nothing here limits any liability that cannot be excluded under applicable law.

12. Changes to these terms

We may revise these terms at any time. The updated version will be published on this page with a new "last updated" date, and it applies from the date it is posted. Continued use of the website means you accept the revised terms.

13. Governing law

These terms are governed by the laws of India. Any dispute relating to this website or the services described on it is subject to the exclusive jurisdiction of the courts at Aurangabad, Bihar.