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Soma LOhar
Financial Expert [ M.D.R.T ]
Secure Your Family's
Future with
LIC
Expert guidance on Child Education, Marriage Planning & Retirement. Get personalized insurance advice from a trusted LIC advisor.
Soma Lohar
Your Trusted Financial Expert [ M.D.R.T ]
Child Education Plans
Secure their dreams
Marriage Planning
Build the corpus
Pension Plans
Retire with dignity
Insurance Solutions for Every Life Stage
From your child's first steps to your peaceful retirement, we help you plan for every important milestone.
Child Education Plan
Secure your child's educational future with systematic savings. Get lump sum at key milestones like 10th, 12th, and graduation.
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Child Marriage Plan
Plan ahead for your child's marriage with a disciplined savings approach. Receive maturity benefits at the right time.
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Pension & Retirement
Ensure a dignified retirement with immediate or deferred pension plans. Get regular income after you stop working.
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Life Protection
Pure term insurance for maximum protection at minimum cost. Secure your family against uncertainties.
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Wealth Creation
ULIP and endowment plans for wealth creation with insurance benefits. Grow your money while staying protected.
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Tax Saving (80C)
Save tax up to ₹46,800 under Section 80C. Maturity proceeds tax-free under Section 10(10D) conditions.
Learn More →Not sure which plan is right for you?
Get Free Expert Advice →Your Trusted Partner for Life Insurance
As your dedicated LIC advisor, I help you navigate the complex world of insurance with honest, jargon-free advice. My goal is to ensure your family's financial security, not just sell policies.
Authorized LIC Agent
Licensed and verified by LIC of India with valid IRDAI registration
1000+ Happy Families
Trusted by families across Mumbai for their insurance needs
10+ Years Experience
Decade of expertise in understanding your financial goals
Personalized Advice
Solutions tailored to your unique family situation and budget
Lifetime Support
Assistance with claims, premium payments, and policy servicing
No Hidden Charges
Transparent guidance with no extra fees for consultation
What Most People Do Wrong
Avoid these costly mistakes that can derail your family's financial security
Don't let these mistakes cost you lakhs. Get expert guidance today.
Get Free Expert ReviewUnplanned Saving vs Planned Insurance
See the difference a structured approach can make to your financial future
- ✕ No fixed commitment — easy to skip
- ✕ Money often spent on impulse purchases
- ✕ No life cover protection for family
- ✕ Inflation eats into your savings value
- ✕ No tax benefits on casual savings
- ✕ Goals often remain unfulfilled
- ✓ Disciplined monthly habit builds wealth
- ✓ Money locked for your specific goal
- ✓ Life cover protects family from day one
- ✓ Returns designed to beat inflation
- ✓ Tax benefits under 80C & 10(10D)
- ✓ Goals achieved on time, every time
Starting Early Makes a Huge Difference
See how your starting age impacts your premium and final returns
📈 Why Does Starting Age Matter?
Lower Premiums: Starting at 25 costs just ₹5,000/month vs ₹20,000/month at 45 — that's 4× less!
Power of Compounding: More years = more time for your money to grow exponentially.
Better Returns: Starting at 25 gives you ₹45 Lakhs, while starting at 45 gives only ₹32 Lakhs — a difference of ₹13 Lakhs!
Every year you wait costs you lakhs. Find out your ideal plan today.
Check Your Ideal Start Age →Real-Life Success Stories
See how families like yours secured their future with the right insurance planning
Trusted by Indian Families
Hear from families who have secured their future with our guidance.
What Happens Next?
After you reach out, here's what you can expect. The entire process is designed to be simple, transparent, and pressure-free.
WhatsApp / Call
Reach out via WhatsApp or phone call. I typically respond within 30 minutes during working hours.
Requirement Understanding
We discuss your goals, family situation, budget, and timeline to understand exactly what you need.
Custom Plan Discussion
I prepare and present 2–3 personalized plan options with clear comparisons and recommendations.
No Obligation Decision
Take your time to decide. There's absolutely no pressure — your peace of mind is my priority.
Frequently Asked Questions
Find answers to common questions about LIC insurance policies, premiums, and benefits.
What is the minimum age to buy an LIC policy?
How much insurance coverage do I need?
What is the difference between Term and Endowment plans?
Can I get tax benefits on LIC premiums?
What happens if I miss a premium payment?
What is Waiver of Premium benefit in child plans?
How do I choose between immediate and deferred pension plans?
Is medical examination required for LIC policies?
Can I take multiple LIC policies?
How can I check my LIC policy status online?
Ready to Secure Your Family's Future?
Get personalized insurance advice from a trusted LIC advisor. No obligation, no pressure — just honest guidance for your family's financial security.
Meet Soma Lohar
Dedicated to Securing Your Family's Future
Namaste! I'm Soma Lohar, a licensed LIC Insurance Advisor based in Mumbai. For over a decade, I've been helping Indian families plan for their most important life goals — from children's education to a comfortable retirement.
My journey in insurance began with a simple belief: every family deserves financial security, regardless of background. I explain complex insurance concepts in simple terms so you can make confident decisions.
As a working professional myself, I understand balancing today’s expenses with tomorrow’s dreams. That’s why my solutions are practical, personalized, and value-driven.
- ✓ Understand your unique financial situation
- ✓ Explain all options without jargon
- ✓ Recommend only what you need
- ✓ Provide lifetime policy support
- ✓ Help with claims and documentation
Registration No: XXXXXXX
Active since 2014
Years Experience
Happy Families
Sum Assured
Satisfaction
Get in Touch
Ready to secure your family's future? Let's discuss the best insurance solutions for you.
Let's Start a Conversation
Whether you have questions or need personalized advice, I'm here to help.
Send detailed queries
Support@somafinserv.com
Location
Rourkela, odisha, india
Home visits available on request
Availability
Mon–Sat: 9 AM – 8 PM
Sun: 10 AM – 4 PM
Request a Callback
Fill in your details and I'll get back to you within 24 hours.