Insurance Service Center · Insurance Solution · Raipur, Chhattisgarh 9302261999 lalaram.mdrt@gmail.com
MDRT USA 20 years in life insurance

Protecting today, securing tomorrow.

I am L. R. Sahu, the insurance advisor behind Insurance Service Center in Raipur. Over twenty years I have helped families and business owners across Chhattisgarh put the right protection in place — for the income that runs the home, the education that shapes a child's future, and the retirement that should never depend on anyone else. Your protection is my commitment.

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20Years in life insurance
MDRTMillion Dollar Round Table, USA
₹0No charge for advice
L. R. Sahu, Insurance Advisor, Raipur
Your protection, my commitment Advice built around your family, not around a product.
Your Vision

What are you building — and what happens to it if you are not there?

A business, a home, a child's degree, a retirement without compromise. Each of those goals has a date attached and a number attached. My work is to make sure the number is ready by the date, whatever life does in between.

Protecting today is what makes securing tomorrow possible. A plan is only worth taking if you understand exactly what it does and what it does not do.

— L. R. Sahu, Insurance Advisor
  • Income your family can rely onThe household keeps running and the loans stay serviced, even in the worst case.
  • Education that does not get postponedFees ready when the admission letter arrives, without borrowing against the house.
  • A retirement that pays youA regular income after work stops, so independence outlasts the salary.
  • Wealth that transfers cleanlyNominations, documents and estate planning arranged so your family is not left untangling paperwork.
About

About Insurance Service Center

L. R. Sahu, Insurance Advisor and MDRT member

I have spent twenty years in life insurance, working out of Insurance Service Center in Raipur. In that time the products have changed many times over, but the job has not: understand what a family actually needs, then find the plan that delivers it — and say so plainly when a plan does not fit.

I am a qualified member of the Million Dollar Round Table (MDRT), USA, an international association of insurance and financial services professionals. Membership has to be earned again every single year, and it carries a code of conduct that puts the client's interest ahead of the sale. That standard is the one I work to.

My clients include salaried families, shop and business owners, doctors, NRIs and high-net-worth households. Their needs differ enormously, but every engagement follows the same order: understand the responsibility first, calculate the number second, choose the product last. Before you sign anything you will know the charges, the lock-in, the exclusions and what the plan will not do. After you sign, I remain the person you call — for a premium query, a change of nominee, or a claim.

20Years of advisory experience
MDRTQualified member, USA
RaipurServing Chhattisgarh
10Planning services offered
L. R. Sahu Insurance Advisor · Insurance Service Center · Protecting today, securing tomorrow
Achievements

Recognition earned over two decades

Qualifications matter because of what they require you to do every year, not because of how they look on a wall.

MDRT (USA) member

Qualified for the Million Dollar Round Table, the international standard of excellence in life insurance advice.

20 years in life insurance

Two decades of advising through changing products, changing tax rules and changing markets.

Divisional Manager's Club member

Recognised at the Manager's Club convention, Raipur Division, for the 2022–23 membership year.

Clients across generations

Families who started with a single policy now plan for their children with the same advisor.

On transparency: no guaranteed returns, fixed profits or assured claim approvals are promised anywhere on this website. Where a plan is described as a guaranteed income plan, the guarantee is the one written into that company's policy document — and that document is what you are shown, in full, before you decide.

Services

How I can help

Ten areas of planning, each starting from the same question — what are you protecting, and by when does it need to be ready?

Life Insurance & Family Protection

The foundation. If anyone depends on your income, this is the plan that comes before all the others.

  • Term versus savings plans, compared honestly
  • Cover calculated against income, loans and dependants
  • Nomination and paperwork set up correctly

Child Education Planning

Working backwards from the year your child enters college to what you set aside this month.

  • Separate targets for graduation, higher studies and marriage
  • Plans that continue even if the parent is not there
  • Realistic inflation built into the target

Retirement & Pension Planning

Turning a working life's savings into an income that arrives every month after the working stops.

  • Pension and annuity options compared side by side
  • Corpus targets that account for inflation and longevity
  • Catch-up strategies for a late start

Tax Saving Solutions

Deductions used properly, through instruments that also serve a purpose beyond the tax receipt.

  • Deductions available under current income tax rules
  • Options that combine savings with protection
  • Planned across the year, not rushed in March

Wealth Creation & Long-Term Savings

Disciplined accumulation over long horizons, matched to how much risk you can actually live with.

  • Goal-linked terms and contribution amounts
  • Risk profile assessed before the product is chosen
  • An annual review to keep the plan on track

Guaranteed Income Planning

Plans that pay a defined income for a defined period, with the terms set out in the policy document.

  • How the payout schedule actually works
  • Lock-in periods and surrender conditions explained
  • Where it suits a portfolio — and where it does not

HNI & Business Owner Planning

For proprietors and directors, where the business and the family balance sheet are tangled together.

  • Keyman and partnership protection
  • Separating business risk from family security
  • Succession planning for the next generation

NRI Insurance Planning

Cover for non-resident Indians with family, property or obligations still in India.

  • Eligibility and documentation for NRI applicants
  • Premium payment and repatriation questions
  • Servicing handled locally while you are abroad

Estate & Legacy Planning

Making sure what you built reaches the people you meant it for, without dispute or delay.

  • Nominations reviewed and kept current
  • Structuring cover to cover liabilities and duties
  • Documents organised so the family can find them

Health & General Insurance

Medical, motor and property cover, so a single event does not undo years of saving.

  • Individual and family floater health cover
  • Waiting periods and exclusions explained upfront
  • Assistance at the time of a claim
Who I work with: Business owners Salaried professionals Doctors NRIs HNI clients Young families
Why me

Why choose me

Insurance is a promise that may not be tested for thirty years. It is worth checking who is standing behind it.

An internationally held standard

MDRT membership is re-earned annually and comes with a code of ethics that puts your interest first.

Explaining comes before selling

You hear the charges, the lock-in and the exclusions as clearly as the benefits. The decision stays yours.

Twenty years of pattern recognition

I have seen which plans hold up over decades and which look attractive only on the day they are sold.

Responsible through to the claim

Preparing the documents and following up with the company is part of the service, not a favour.

The phone gets answered

Premiums, endorsements, nominee changes, claims — the same person handles all of it, years later.

Your details stay private

What you share is used only to advise you, and is never sold on to anyone else.

Feedback

What clients say

Experiences from families and business owners I have worked with.

He sat with my balance sheet before he showed me a single product. For a business owner that is rare — most advisors start with the brochure and work backwards.

Rakesh AgrawalBusiness owner, Raipur

I asked him about a plan a relative was pushing and he told me plainly it was wrong for my age. He talked me out of a sale. That is when I decided to work with him.

Dr. Sunita VermaPhysician, Raipur

We started a child plan when my daughter was four. She is in engineering college now and the fees came from that plan. Twenty years of steady advice, and he never once chased me.

Prakash SahuGovernment service, Bhathagaon

I live in Dubai and thought Indian cover would be complicated for an NRI. He handled the documentation from Raipur and kept me updated at every stage.

Amit KesharwaniNRI, Dubai

When my husband passed away, Sahu ji brought the claim forms to our home and completed the whole process himself. We were in no state to handle any of it.

Meena NishadHomemaker, Sundar Nagar

My tax planning used to be a scramble every March. He mapped it out for the whole year and showed me which deductions I had been leaving unused.

Neha JainSalaried professional, Raipur
Contact

Book a free consultation

Fill in the form below and your details reach my WhatsApp directly. I usually reply the same day.

  • Phone / WhatsApp+91 93022 61999
  • Emaillalaram.mdrt@gmail.com
  • OfficeInsurance Service Center
    D-21, Sector-2, Awadhpuri Colony, Bhathagaon,
    P.O. Sundar Nagar, Raipur, Chhattisgarh — 492013
  • AvailabilityMonday – Saturday, 10:00 am – 7:00 pm · Sundays by prior appointment
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FAQ

Common questions

The questions people ask me most often, answered plainly.

Is there a fee for your advice?

No. The first conversation, the assessment of your needs and the comparison of plans are free, and there is no obligation to buy anything afterwards.

What is MDRT, and why does it matter to me?

The Million Dollar Round Table is an international association of life insurance and financial services professionals, headquartered in the USA. Membership has to be qualified for afresh each year and carries a code of ethics requiring the client's interest to come first. For you it is a signal of consistency and accountability, not a promise about any particular product.

How much life cover should I take?

It depends on your annual income, the loans you are servicing, the number of people who depend on you and how many years they will depend on you for. We add those together and arrive at a specific figure rather than picking a round number.

What does a guaranteed income plan actually guarantee?

It guarantees the payout schedule written into that specific policy document — the amount, the start date and the duration, subject to premiums being paid as agreed. It does not guarantee a market return. Before you commit I show you exactly which lines in the document carry the guarantee and what the surrender terms are.

I am an NRI. Can I take a policy in India?

Generally yes, subject to the insurer's eligibility rules, your country of residence and the required documentation. Premiums are usually paid from an NRE or NRO account. I handle the paperwork here in Raipur and keep you updated while you are abroad.

Can you meet me at my home or office?

Yes. Across Raipur and nearby areas I can fix a time and come to you. For clients further away or overseas, a video call works equally well.

Do you help at the time of a claim?

This is the most important part of the work. The document checklist, the forms and the follow-up with the company — I stay with the family through all of it.

What documents do I need to start a policy?

Usually Aadhaar, PAN, a photograph, bank details and proof of age. Depending on the plan and the sum assured, income proof or a medical check-up may also be required. I tell you this in advance so nothing comes as a surprise later.

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