Terms & Conditions

Welcome to bimasakhi.com. These Terms & Conditions govern your access to and use of this website, its information, communication facilities, enquiry forms and related services.

By accessing, browsing or submitting information through this website, you acknowledge that you have read, understood and agree to these Terms & Conditions and the Privacy Policy applicable to bimasakhi.com.

Terms Summary — 30-Second Overview

Independent Platform: bimasakhi.com is an independent informational and career-guidance platform operated by IMIAH Services.

Purpose: The platform provides general information, career awareness, educational guidance, orientation and communication support relating to insurance career opportunities, including information concerning Bima Sakhi and LIC agency opportunities.

No Policy Sales or Premium Collection: bimasakhi.com does not sell insurance policies, collect insurance premiums, issue insurance policies or provide individualized investment or financial advisory services.

No Appointment Guarantee: Submission of an enquiry or application through this website does not guarantee eligibility, selection, appointment, licensing, training admission or any particular outcome.

Performance-Linked Earnings: Insurance agency earnings may be commission-based and performance-linked. Examples or illustrations should not be interpreted as a promise of specific earnings.

Candidate Responsibility: Users are responsible for providing accurate information and verifying important eligibility, appointment, training, examination and other applicable requirements before proceeding.

Jurisdiction: These Terms are governed by the laws applicable in India, subject to the jurisdiction provisions stated below.

1. Business Identity and Independent Platform Status

This website, bimasakhi.com, is owned, operated and managed by IMIAH Services.

bimasakhi.com is an independent informational and career-guidance platform. It is designed to provide educational information, career awareness, orientation and communication support to individuals exploring insurance-related professional opportunities.

References to Life Insurance Corporation of India (LIC), Bima Sakhi, insurance products, agency opportunities, examinations, processes or related terminology are provided for identification, educational and informational context.

Nothing on this website should be interpreted as a communication, notification, appointment document or selection confirmation issued by Life Insurance Corporation of India.

2. Scope and Platform Positioning

bimasakhi.com provides general candidate awareness, career guidance, educational information, orientation support and enquiry communication for individuals interested in insurance-related career opportunities.

Depending on the service or communication channel being used, the platform may provide information relating to eligibility, professional learning, training guidance, examination preparation, documentation, career development and general next steps.

The platform does not itself determine eligibility, conduct final appointment decisions, issue insurance policies or determine examination results.

3. Services We Do Not Provide

Unless expressly stated otherwise on a particular page, bimasakhi.com does not:

sell insurance policies;
collect insurance premiums;
issue insurance policies;
determine insurance policy acceptance or underwriting decisions;
provide individualized investment advice;
provide individualized financial, tax or legal advice;
guarantee appointment, selection or licensing outcomes; or
guarantee any particular level of agency earnings.

4. Acceptance of Terms

By accessing, browsing or using bimasakhi.com, you agree to comply with these Terms & Conditions and all applicable laws and regulations.

If you do not agree with these Terms, you should discontinue use of the website and its communication facilities.

5. Candidate Eligibility and Information

Eligibility requirements for insurance agency opportunities may include age, educational qualification, training, examination, documentation and other conditions applicable at the relevant time.

Information displayed on this website is provided for general guidance. Meeting a stated requirement on this website does not by itself establish eligibility or create a right to appointment.

Users should verify the latest applicable requirements before proceeding with any application, training, examination or appointment-related step.

6. Enquiry, Application and Communication Process

Forms, WhatsApp links, callback requests and other communication facilities available on bimasakhi.com are intended to facilitate enquiries, information sharing and communication with interested individuals.

Submission of personal information through this website does not by itself constitute confirmation of eligibility, selection, appointment, licensing or any other professional status.

Where an individual wishes to proceed with an opportunity, additional documentation, training, examination, verification or other applicable procedures may be required.

7. Appointment and Selection Decisions

bimasakhi.com does not make final decisions regarding eligibility, selection, examination results, appointment or licensing.

Any appointment or related professional status remains subject to the applicable requirements, procedures and decisions of the relevant authority.

Communication, guidance or assistance provided through bimasakhi.com should not be interpreted as confirmation that an individual will be selected or appointed.

8. Changes in Applicable Requirements

Eligibility criteria, educational requirements, training requirements, examination procedures, documentation requirements, appointment conditions, commission structures, stipends, incentives and other applicable terms may change from time to time.

Information published on this website may therefore become outdated or may not apply to every individual or situation.

Users should verify the latest applicable requirements through relevant information channels before relying on any particular requirement, benefit or process.

9. No Employment Relationship

Use of bimasakhi.com, submission of an enquiry or participation in communication or guidance activities does not create an employer-employee relationship between the user and IMIAH Services.

The nature, terms and conditions of any insurance agency appointment are governed by the applicable agency framework and requirements in force at the relevant time.

10. No Guarantee of Selection or Earnings

Submission of your details or participation in any guidance process does not guarantee selection, appointment, licensing, certification or any other particular outcome.

Where insurance agency earnings are applicable, they may be performance-linked and commission-based. Actual earnings may depend on business generated, applicable product terms, commission rules, persistency, renewal business, customer relationships, servicing activity and other applicable conditions.

No income example, projection, illustration or statement on this website should be interpreted as a promise of specific earnings.

11. Accuracy of Submitted Information

Users are responsible for ensuring that information submitted through bimasakhi.com is accurate, complete, current and truthful to the best of their knowledge.

Users should promptly communicate any material correction if they become aware that information previously submitted by them is inaccurate or incomplete.

12. Educational and Awareness Purpose

Articles, guides, calculators, illustrations, training resources, examples, FAQs, testimonials and other informational materials available on bimasakhi.com are provided primarily for general educational, career awareness and orientation purposes.

Such information should not be treated as individualized financial, investment, legal, tax or professional advice.

13. Training and Examination Information

Information relating to insurance training, study material, examination preparation, IC-38 or other learning resources is provided for general educational and preparation purposes.

Availability of study resources, guidance sessions, practice questions or mock exercises does not determine examination results, certification or appointment.

Users should rely on the latest applicable instructions and authorized study material for examination-related requirements.

14. Automated Tools and AI Assistance

Certain website functions may use automated systems, software tools or artificial intelligence to assist with content presentation, information organization, enquiry routing, communication workflows or other administrative functions.

Automated tools are intended to support the user experience and do not independently determine eligibility, appointment, examination results or other professional outcomes.

15. Communication and Opt-Out

When you voluntarily submit your contact information or request communication through the website, you may receive responses, follow-ups or other communications relating to your enquiry or the information you requested.

You may request that non-essential promotional or follow-up communication be discontinued, subject to communications that may be necessary to respond to an existing enquiry, maintain records or comply with applicable requirements.

16. Misuse of the Platform

Users agree not to misuse bimasakhi.com or attempt to interfere with its normal operation.

Users must not:

submit knowingly false or fraudulent enquiries;
impersonate another individual or organization;
attempt to gain unauthorized access to website systems or data;
introduce malicious code, harmful software or security threats;
use automated tools to abuse forms or communication facilities;
scrape or systematically reproduce website content without permission;
use the platform for unlawful purposes; or
interfere with the availability, security or integrity of the website.

17. Intellectual Property and Trademarks

Unless otherwise stated, website structure, original editorial content, design elements, graphics, layouts, digital assets and branding created for bimasakhi.com are owned by or used under appropriate rights by IMIAH Services.

Third-party names, trademarks, logos and brand elements remain the property of their respective owners.

References to third-party names, trademarks or logos are made for identification, reference, educational or informational purposes where applicable. No ownership of third-party intellectual property is claimed by IMIAH Services.

18. External Websites and Resources

bimasakhi.com may contain links to external websites, services or resources for reference and convenience.

External websites operate independently and may have their own terms, privacy policies, security practices and information.

Users should review the information and applicable terms provided by an external website before relying on or submitting information through that website.

Links to external resources should not be interpreted as an endorsement, partnership or guarantee of the content or services provided by those external resources unless expressly stated.

19. Website Availability and Maintenance

We make reasonable efforts to keep bimasakhi.com accessible and functional. However, we do not guarantee that the website, forms, links, resources or communication channels will always be available, uninterrupted, secure or free from technical errors.

Website features, content and communication facilities may be modified, suspended, restricted or discontinued when necessary.

20. Privacy and Personal Information

When you submit your name, mobile number, email address, city or other information through an enquiry form or communication channel, the information may be used to respond to your enquiry, provide requested information, arrange communication or provide relevant guidance.

Users should provide only information that is reasonably necessary for their enquiry and should avoid sharing unnecessary sensitive personal information through unsecured communication channels.

Please refer to the Privacy Policy for information about how personal information is handled.

21. Testimonials, Examples and Individual Experiences

Testimonials, experiences, success stories, income examples and other statements attributed to individuals represent individual experiences.

They should not be interpreted as representative of the results that every individual may achieve.

Individual outcomes may vary depending on skills, effort, experience, customer relationships, business activity, market conditions and other circumstances.

22. Limitation of Liability

To the extent permitted by applicable law, IMIAH Services and bimasakhi.com shall not be responsible for indirect, incidental, special or consequential losses arising from the use of, or inability to use, the website or from reliance on information that may be outdated, incomplete, misunderstood or independently interpreted by a user.

Nothing in these Terms is intended to exclude or limit any responsibility that cannot lawfully be excluded or limited under applicable law.

23. User Responsibility for Decisions

Users are responsible for evaluating their own circumstances and making their own decisions regarding career opportunities, applications, training, examinations, professional activities and financial matters.

Users should not make a career, financial or business decision solely on the basis of an article, illustration, testimonial, calculator, example or other material published on bimasakhi.com.

24. Governing Law and Jurisdiction

These Terms & Conditions shall be governed by and interpreted in accordance with the laws applicable in India.

Subject to applicable law, disputes arising in connection with these Terms or the use of this website shall be subject to the jurisdiction of the competent courts in New Delhi, India.

25. Changes to These Terms

We may revise, update or modify these Terms & Conditions from time to time to reflect changes in website functionality, services, information, applicable requirements, business practices or regulatory developments.

The updated version will be published on this page with a revised effective or last-updated date where appropriate.

Continued use of bimasakhi.com after an updated version becomes available constitutes acceptance of the revised Terms, subject to applicable law.

26. Contact and Operating Information

If you have questions about these Terms & Conditions or information published on bimasakhi.com, you may contact Team Utkarshan through the communication channels provided on the Contact page.

IMIAH Services
Website: bimasakhi.com
Email: info@bimasakhi.com

Important Notice

bimasakhi.com is an independent informational and career-guidance platform operated by IMIAH Services. The website is intended to provide general educational information, career awareness and communication support. Information may change as applicable requirements and circumstances are updated.

Users should verify important information relating to eligibility, training, examinations, appointment conditions, commission structures and other applicable requirements through relevant information channels before proceeding.

Effective Date: October 2026
Last Updated: October 2026