Other Circular

To all State/Regional/Divisional Units:

Dear Comrades,

AIIPA TALKS TO CHAIRMAN, LIC

The uppermost need of the hour is to initiate measures to find solutions to the three cardinal issues of the LIC Pensioners, stressed the Delegation of the All India Insurance Pensioners’ Association (AIIPA), when it met the Chairman and Top Officials of the Life Insurance Corporation of India on July 19, 2013 at Mumbai.

The Delegation of the AIIPA met Sri.S.K.Roy, the New Chairman and though it was sought to be a Meeting to exchange pleasantries and to express our Good Wishes, in person, for an useful tenure, the occasion was utilized, with Chairman evincing interest to hear our views to highlight our view points on issues of LIC Pensioners.

The Delegation congratulated the Chairman on his assuming greater responsibilities and wished him well. The Chairman reciprocated saying with the co-operation and wishes of all, he hoped to take LIC to greater heights and get legitimate encomiums for the Team- LIC.

The Delegation requested the Chairman to effectively pursue with the Central Government, issues of increased Ex-gratia to pre-1986 Retirees, Grant of Full Neutralisation to Pre-August 1997 Pensioners and updation of Pension for all.

We pointed out that LIC was within its ambit to decide on increased Ex-gratia as no Government Notification was necessary. We also said that the LIC was morally obliged to mete out justice to Pre-August 1997 Pensioners with the Board passing a Resolution for uniform rate of Dearness Relief, way back in the year 2001.

The Delegation also told the Chairman that fair play and natural justice demanded LIC Pensioners are not differentiated vis-a-vis Central Government Pensioners in the matter of updation of Pension.

When a reference to the Press Reports about huge pay outs by LIC towards settlement of Maturity Claims, this fiscal came up, Chairman explained the context in which such an observation was made by him. Expressing confidence of the Financial Stability of the monolith-LIC, Chairman said the reference was to the availability of such large amount in the economy that could go to new investments, that could be used to purchase consumer durables, a portion of which that could add to the savings, giving a boost to the economy.

Sri.Roy heard our views with an open mind and said he would get a detailed feed-back from the concerned Officials and take whatever steps were possible to be taken in the current situation and said he had other responsibilities too to be fulfilled.

We are happy to record that the interaction was fruitful and the Chairman, LIC, could well understand our feelings and the spirit of our representation and we could get satisfied of having effectively aired our views to the Top Most Official of LIC.

The Delegation of All India Insurance Pensioners’ Association (AIIPA) consisting of Com.M.L.Setiya, President, Com.K.Natarajan, General Secretary and Com.M.J.Damle, Joint Secretary, also met Sri.M.R.Kumar, Executive Director (P), Sri.T.R.Mendiratta, Chief (Per) and Ms.Aruna Seth, Secretary (PER/ER).

The Meeting was utilized to drive home the merits of the issues, the forceful arguments on the imperative to solve the issues, without getting bogged down on extraneous concerns.

AIIPA pointed out that the legitimate aspirations of the recipients of Ex-gratia for a comfortable living were being negated and both LIC and the Government were delaying the decision, obviously linking this with other issues. As the issue of enhanced Ex-gratia was not on the legal radar and as no formal Notification was required, LIC should, on its own, decide on the issue, it was stressed. The demand for increased Ex-gratia was most justified and even after the grant of Cash Medical Allowance, which also they eminently deserved, increase in Ex-gratia continued to be an issue requiring immediate solution, said the Delegation of AIIPA.

The E.D. (P), while understanding our strong concerns, said the Government was not favourably inclined to decide, presumably taking into account other implications. AIIPA once again urged the Management to reconsider the matter and effectively pursue in order that the decreasing tribe of these Senior Citizens get what is justifiably due to them.

Pointing out to the various averrings, both in writing and in person, the Organisation asked the Officials to ensure that the favourable inclination both on increased Ex-gratia to pre-1986 Retirees and Grant of Full Neutralisation on Dearness Relief to Pre-August 1997 Pensioners got materialized in concrete terms without the need for culmination of the legal process.

AIIPA again stressed on the ethical and moral standards that need to be maintained by the LIC in the background of the LIC Board Resolution of November 2001 and desired to know how come LIC was now reluctant, with the Central Government Affidavit on Dearness Relief in LIC vis-a-vis banks coming into focus.

We said the comparison between LIC and Banks was not relevant, as LIC Employees’ DA structure with Full Neutralisation came about from August 1997, while in Banks, employees got DA with Full Neutralisation only from May 2005. Already there is a demand in Banks for Full Neutralisation for pre-May 2005 Pensioners from that date and there have been court pronouncements and hence Dearness Relief with Full Neutralisation from August 1997 for LIC Pensioners was thoroughly justified, it was said.  We also told the Management that we are happy that LIC has recognized the due date of eligibility for Full Neutralisation as August 1, 1997 from which date in-service employees were granted and hence pensioners after that date got Full Neutralisation in respect of Pre-August 1997 Pensioners too.

Though E.D.(P) and others heard our submissions with all the attention they deserved, were non-committal and AIIPA reiterated its position for an early breakthrough even before a judicial verdict.

The AIIPA also pointed out that LIC was now not inhibited by sustained contempt proceedings and with the SLPs in Supreme Court, LIC could take initiatives to sort out issues with a dialogue process, if necessary, to bring about the much needed solution on Full Neutralisation from August 1, 1997. The Officials expressed their concern about the plethora of cases before various courts and said they were finding it more and more difficult to keep track.

Taking up the issue of updation of Pension for all, AIIPA asked the Management to vigourously pursue the matter. When all Central Government Pensioners who had retired on various dated prior to January 1, 2006 were granted equitable pension to correspond to the current pay scales through G. O. s, LIC Pensioners too deserved to be treated on par.

Central Civil Pension Rules applicable to Central Government Employees had talked of Pension on the basis of Average Emoluments of the last ten months’ pay drawn by the employee at the time of retirement and LIC Pension Rules modeled on Central Civil Pension Rules also spoke on similar lines and now Last drawn Pay at the time of retirement has become the basis in Central Government.

AIIPA pointedly told the Management as both Central Civil Pension Rules and LIC Pension Rules had similar provisions and only with issuance of G.O.s, the Central Government had implemented uniform pension for all, LIC could also bring in updation with necessary amendments and argument of LIC Rules not providing for updation cannot be a ground to deny updation to LIC Pensioners.

LIC Officials responded with the argument of LIC Scheme being Funded Scheme as different from Central Government Pension Scheme (paid from consolidated Fund), AIIPA argued funding should not be a deterrent and also it could not be a problem with vast resources at the command of LIC and reiterated its demand for ending discrimination between LIC Pensioners and Central Government Pensioners.

Referring to the improvements recently brought about in the RBI Pension Scheme like Minimum Pension/Family Pension uniformly @ 30% etc., AIIPA wanted the officials to initiate steps to get similar improvements in LIC Pension Scheme and the officials assured to consider the same.

Eventhough the officials, after listening to us on all issues were non-committal, they assured to brief the Chairman of all the ramifications and we hope LIC would strive to take measures in whatever way feasible to meet our demands.

AIIPA urged upon the management to grant one more option under LIC Pension Rules 1995 and E.D.(P) informed the matter rested with the government.

About opening of a Pensioners’ Portal for use by LIC pensioners, we were informed that efforts were on and we hope the portal will be made available soon.

AIIPA pointed out that there has been cases of delay in credit of pension to individual bank accounts and suggested credit of pension on the last day of the month and LIC agreed to consider.

AIIPA Delegation raised the issue of payment of revised Pensionary Benefits to Class I Officers who had retired between August 1, 1992 and March 31, 1993. We explained that, having paid the difference in Gratuity on the basis of revised Basic Pay that came into vogue, LIC was left with no alternative but to grant pensionary benefits too on revised pay structure. The court decision treating revised pay as last drawn pay for purpose of Gratuity, had a cascading effect on payment of other benefits too. The Organisation referred to its earlier communication and asked the officials to concede the demand. The Officials agreed to have a fresh look into the whole matter.

On grant of benefits arising out of Jaipur High Court Order on allowing extra month service and consequential benefits for those whose date of birth fell on first of a month, LIC officials said the benefit has not been actually paid but only deposited in the court, which we differed and wanted to get this benefit extended to all similarly placed pensioners.

The Delegation also took up matters relating to Group Mediclaim. The Management informed that increase in Sum Insured and the concept of Floater Policy were under active consideration to be pursued with the Insurer.

On our demand for grant of Ex-gratia for expenditure over and above the cover under the Group Mediclaim Policy, the Officials pointed out of the possible increase in subsidy burden once the Sum Insured gets increased and expressed doubts about the possibility for bearing extra load for grant of Ex-gratia. However we insisted on our demand being considered favourably. The officials were also not inclined to respond positively to the issue of grant of advance for deposit as according to them, the provision of cashless facility should take care of the same. When we wanted expansion of the cashless facility, the officials informed that the same may result in increase in premium because of TPA. Officials also informed that discussions were on for the issuance of Identity Cards for the pensioners by the TPA for the cashless medical facility. On providing facility of Preventive Health Check-up for the pensioners and their families, though the officials were receptive but did not commit.
 
While welcoming grant of Monthly Medical Allowance to pre-1986 retirees and their spouses, AIIPA raised a demand for Cash Medical Benefit for all Pensioners. The Office bearers explained how Pensioners were subjected to recurring medical expenses without the need for hospitalisation for which there was no cover.

It was argued on behalf of AIIPA that, with advancing age, Pensioners had to spend more on health care which could not be got reimbursed and the only way to compensate them was grant of cash medical benefit. The Management was receptive to the idea and the Organisation is hopeful that with further pursuance, there can be an opening.

On the issue of recovery of Group Mediclaim Scheme premium from monthly pension, the E.D.(P) assured to talk to the concerned department officials to take an early decision. The officials further informed that as per the MOU with the insurer, the mediclaim bills are to be settled in 21 (twentyone) working days by the insurer and wanted us to let them know if there was inordinate delay in settlement of bills with complete details for their taking up with the insurer.

AIIPA feels that the meeting had helped to make the management more aware of the standpoint of the organisation, make them understand the hurt feelings of the pensioners over the non-settlement of issues and has helped the organisation to establish good liasion with the authorities for further dialogues for finding solutions.

AIIPA reassures that interests of the LIC Pensioners will be safeguarded and further advanced through sustained efforts and AIIPA will endeavour to talk to GIPSA also in regard to issues of GIC Pensioners.

With Greetings,                                                                

Yours Comradely,

(K.NATARAJAN)
                                                                                                  General Secretary


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AIIEA Circular

To all the Zonal/Divisional/State/Regional units,

Dear Comrades,

News items on the channels - on FDI in insurance

Arvind Mayaram Committee was set up in March 2013 to recommend on the country’s foreign direct investment (FDI) policy. The Arvind Mayaram committee suggested that FDI be capped at 49 per cent in nine sectors. These are FM Radio, uplinking news & current affairs, print media (news & current affairs), commodity exchanges, stock exchanges, petroleum & natural gas refining, insurance, defence production and private security agencies.

The committee also suggested that clearance for the foreign investment proposals  (except for defence production and private security agencies) be through the automatic route, without referring the proposals to Foreign Investment Promotion Board.  However, the clearances from the concerned regulators and ministries will be necessary.

The cabinet approved these recommendations in a meeting today.

As can been seen from the recommendations, the committee has also proposed increasing the FDI cap for the insurance sector - from the current 26 per cent to 49 per cent. But that will require amendment to the IRDA Act which is pending before the Parliament.

Hence, when the parliament meets in the monsoon session from 5th August 2013, the government may try to push for the approval of the Insurance Laws (amendment) Bill.  The Units are requested to be in vigilant about this situation.

Comradely Yours,

K Venu Gopal
General Secretary, AIIEA


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News

आल इंडिया इंश्योरेंस एम्पलाईज एसोसियेशन के 63 वें स्थापना दिवस के मौके पर 1 जुलाई 2013 को सी.जेड.आई.ई.ए. मुख्यालय रायपुर में सी.जेड.आई.ई.ए. के वेब साईट का उद्घाटन संगठन के महासचिव काम. बी.सान्याल द्वारा किया गया। इस मौके पर सी.जेड.आई.ई.ए. व आर.डी.आई.ई.यू. के पदाधिकारी व अन्य साथी उपस्थित थे।

इसके पूर्व रायपुर मंडल मुख्यालय में सभा आयोजित की गई जिसे सी.जेड.आई.ई.ए. के सहसचिव काम. धर्मराज महापात्र ने संबोधित किया तथा ए.आई.आई.ई.ए. के स्थापना दिवस व वेब साईट उद्घाटन के लिये साथियों को बधाई दी। अध्यक्षता आर.डी.आई.ई.यू. के अध्यक्ष काम. व्ही.एस.बघेल ने की। आर.डी.आई.ई.यू. के महासचिव काम. सुजीत शर्मा ने भी सी.जेड.आई.ई.ए. वेब साईट उद्घाटन के लिये सभा में बधाई दी। इसके पश्चात् सभी साथियों के मध्य मिष्ठान वितरण किया गया।

इंदौर में आयोजित सभा में सी.जेड.आई.ई.ए. के अध्यक्ष काम. एस.आर. उर्द्धवरेषे ने साथियों को संबोधित करते हुये वेब साईट उद्घाटन की घोषणा की। आई.ई.यू. के महासचिव काम. अजीत केतकर ने सभा में इसके लिये सी.जेड.आई.ई.ए. को बधाई दी।


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Other Circular

To all State/Regional/Divisional Units:

Dear Comrades,

Contribute liberally for Uttarakhand disaster relief efforts With a feeling of sadness that cannot be expressed in words but can only be felt, we pen a few lines herein below. We know these feelings and words will not be able to recompense lost lives. None can ever imagine Mother Nature can be so furious as She was recently in Uttarakhand and Himachal Pradesh causing loss of precious lives and causing such devastation.

Torrential rains in the mountainous areas flooded the rivers that swept away people - both locals and pilgrims, that uprooted the buildings in the vicinity, that changed the whole landscape of the area.

It is said many have died though there are different estimates about the number and the loss to property has been colossal and many are said to be missing. It is with pride and gratitude, we record the role of Armed Forces, Airforce, ITBP etc., who ventured against all odds to save people caught in the ravaging floods, to flush out the dead bodies and to provide relief supplies to those stranded. We express our deep sympathy to the kith and kin of those who lost their dear ones and we also salute the Brave Hearts who laid down their lives  at the call of duty.

The authorities say it may take long to rebuild and to rehabilitate and we know it will besides costing the state exchequer heavily. We, the Insurance Pensioners outside the affected area, owe it as a national duty to help raise resources for relief efforts. Lives lost and properties wiped out and/or damaged will be grim reminder of our sacred duty towards our brethren.

We know Insurance Pensioners, socially conscious as they are, will rise to the occasion and contribute liberally for the noble cause. We call upon pensioners of LIC and GIC to make contributions liberally.

As a token of our commitment, All India Insurance Pensioners’ Association (AIIPA) has remitted Rs.50,000/- and hope our pensioners following this lead will contribute liberally.

Let us hope the Governments at Centre and States will take all precautions to prevent recurrence of such calamities, especially of such a magnitude.

Yours Comradely,

(K.NATARAJAN)
General Secretary


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AIIEA Circular

To all the Zonal/Divisional/State/Regional units,

Dear Comrades,

LIC Board approves the scheme for Upgradation of RPT employees
AIIEA achieves a long pending demand

It was in 1986 that the process of employing Regular Part Time employees began as per the order of the tribunal which was going into the absorption of temporary employees at that time.  LIC issued its circular dated 25.02.1987 on the wages and other service conditions of Part Time Employees working at that time. The effective date was 1.1.1982 or the date of appointment if it were later. Prior to that, there were no defined emoluments and sweepers, cleaners and others were working with a minimal compensation which varied from centre to centre.

The Regular Part Time employees were initially provided with SR Nos. and proportionate pay scale depending on the number of hours, subject to a minimum of two hours. Subsequently, AIIEA took up the issues,  and the other benefits like PF,  leaves, uniform, washing allowance, medical benefit, mediclaim, gratuity, festival advance, flood advance, PLLI, Group Insurance (2004), compassionate appointments   etc. were secured one after another.  After the Pension Scheme was clinched for the permanent employees through a united struggle, AIIEA took up for the Pension Scheme to be extended to the Regular Part Time employees also and after considerable struggle, Pension Scheme 1995 was also extended to the RPT employees.

AIIEA has been continuously taking up the issue relating to increase of the hours to full time. After the Supreme Court Judgment on temporary employees in January 2011, AIIEA repeatedly pursued the matter with the Central Office for a scheme to be formulated to upgrade the number of working hours of RPT employees to full time. Though management of LIC agreed to discuss our demand for a scheme, the issue was being delayed. Secretariat of the AIIEA which met at Delhi on 25th November 2012 called for a one hour strike on 22nd January 2013 and the issue was powerfully focused through this successful strike.

Now, after all these efforts from AIIEA, LIC management finally formalized a draft scheme for upgradation of the RPT employees and the scheme was approved by the Board of LIC in its meeting on 22.06.2013.  Now this is being sent by LIC to the Finance Ministry for its approval.  LIC management assured to follow up with the government for an early approval. Thereafter the instructions on the implementation of the scheme will be released by LIC.

With this development AIIEA could achieve the long pending demand of the RPT employees.

We congratulate all the units of AIIEA on this significant victory.  

Comradely yours,

General Secretary.


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AIIEA Circular

To all the Zonal/Divisional/State/Regional Units

Dear Comrades,

Reach out to the people in distress due to the devastating floods in Uttarakhand

Unprecedented floods in Uttarakhand have resulted in massive destruction of infrastructure and loss of human life on a large scale.  Thousands of pilgrims who were stranded in the state are being evacuated with the help of armed forces and the government organisations.  Whereabouts of many more pilgrims are yet to be established.  A large section of local population has lost their houses, belongings, and livelihood.  Many places are yet to be accessed. The scale of destruction is beyond imagination.

It is not the time now to discuss whether this is a man-made disaster or stricter regulations on ecology could have reduced the extent of the destruction. This is a situation of grave crisis and everybody should come together to meet the challenging situation.

In this hour of crisis it is the responsibility of the insurance employees to extend a helping hand to the victims and make a contribution to the relief work.  
Any immediate relief which is possible is being taken up by our Dehradun comrades under guidance from the North Central Zone Insurance Employees’ Federation.  But this can be on a limited scale in view of the difficult hilly terrain and inaccessibility to various places. The larger relief including the reconstruction of the whole infrastructure including the roads, bridges, houses and other aspects has to be taken up by the government and its agencies.

The LIC has issued an appeal to the employees to make generous contributions to the Prime Minister’s Relief Fund to help the flood victims and to reconstruct the infrastructure at the places ravaged by floods. Similar appeal has been issued by United India Insurance Company.  The other companies in general insurance sector are expected to come out with appeal.  The AIIEA appeals to all the insurance employees to enthusiastically respond to these calls and donate liberally for the relief work. We are confident of the overwhelming response from the insurance employees.

Comradely yours,

General Secretary.


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AIIEA Circular

To
All the Zonal / Divisional /Regional Units,

Dear Comrades,

Interactive Session with Parliamentary Committee on Labour at Mumbai on  10th June 2013

The Parliamentary Committee on Labour visited Mumbai on 10th June 2013 for a session with the unions.  This meeting was organized by LIC of India and Union Bank of India. In this connection, LIC management invited AIIEA and the other Unions in LIC for an interactive session with the Committee on the subject of Safety, Health and Social Security of the workers.

On behalf of AIIEA, Com. V. Ramesh, Joint Secretary, participated in the meeting. The meeting under the Chairmanship of Shri Dara Singh Chauhan, commenced at 11.00 am. In this session we have brought some issues within our industry to the notice of the Committee. 

1. We have placed the issues of contract/casual employees like daily wage boys, watchmen, care-takers, lift-men, water men, gardeners, plumbers, electricians etc. working in LIC and requested the Committee to advice the LIC management for their absorption.

2. We have raised the issue of New Pension Scheme to the employees who joined LIC after 1.4.2010.  We appealed to the Committee that LIC should cover all the employees under the LIC Pension Scheme. 1995.  We have also suggested that the employees governed under New Pension Scheme should be given an opportunity to join Provident Fund Scheme of LIC.

3. We have also raised the issue of recognition of Trade Union in LIC.  We appealed to the Committee to give necessary directions to the LIC management to start the process of recognition of Trade Union in the LIC.

4. After the conclusion of the session, a detailed note was submitted to the Committee on behalf of AIIEA.

The meeting concluded at 11.45 am.

Immediately thereafter, a delegation of AIIEA consisting of Com. V. Ramesh, Joint Secretary, AIIEA and Com. H.I. Bhatt, Joint Secretary, AIIEA met the following LIC officials on the issues mentioned below:

1. Pension:  The delegation met ED (Personnel) and reiterated our demand for one more option to the employees for joining Pension Scheme, 1995. The ED (P) informed that the matter needs further persuasion with the government of India. The delegation also raised the demand of 100% DA neutralization to all the employees who retired before 1.8.1997 and the demand for upgradation of pension. The ED stated the matter is sub-judice. We requested for an early solution to this important issue.

2. Upgradation of RPT employees:  The ED (P) informed that the matter will be taken up in the next Board meeting of LIC.

3. Wage Revision: On the question of wage revision the ED (P) stated that the LIC management’s efforts on this issue are on and it may require a little more time.

4. Recruitment: On the demand of recruitment of Assistants and sub-staff, ED (P) replied that this process shall be taken up. We also reminded the ED (P) that the absorption process of temporary Class IV employees which was completed across all divisions as per Supreme Court judgment, could not take place in Asansol/Bardhaman divisions due to extraneous reasons.  We stressed the need for an immediate solution to this issue.

5. Recognition: The issue of recognition was also raised with ED (P) and informed him that this matter was also appraised to the Parliamentary Committee on Labour.

6. HFL issues: The issues pertaining to Housing Loans such as interest subsidy to joint-loan cases and single loan cases, correct bifurcation of cadre and extended cadre and multiple loan cases, purification of global masters etc., were raised before the Chief (Legal).  He assured that all these issues will be sorted out at the earliest.

The delegation also met the Chief (personnel) and followed up certain pending issues of Zones for immediate solution.

With greetings,
Comradely yours,

for General Secretary.


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CZIEA Circular

विश्व मेहनतकशों के महान पर्व मई दिवस 2013 के मौके पर हम विश्व के मेहनतकश जनता के साथ-साथ भारत के मेहनतकशों, बीमा कर्मियों व मध्यक्षेत्र के समस्त बीमा कर्मियों को क्रांतिकारी शुभकामनायें प्रेषित करते हैं।


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CZIEA Circular
  • बीमा क्षेत्र में FDI सीमा में वृद्घि, आम बीमा क्षेत्र के राष्ट्रीयकृत उद्योग में विनिवेशीकरण के खिलाफ, आम बीमा क्षेत्र की सार्वजनिक उद्योगों के विलय की मांग को लेकर अभियान तेज करो।
  • नवउदारवादी आर्थिक नीतियों के खिलाफ मेहनतकशों के एकरूप संघर्ष को जारी रखो।
  • चतुर्थ क्षेत्रीय महिला सम्मेलन को सफल बनाओ।
  • CZIEA के अष्ठम अधिवेशन को सफल बनाओ।
  • PFI को पुनर्गठित करो।
  • आंदोलन की खबर, इंश्योरेन्स वर्कर की ग्राहक संख्या में वृद्घि जारी रखो।

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Appeal to Candidates

We wish you all success in your written examinations.

All India Insurance Employees’ Association (AIIEA) is a largest & the oldest Trade Union in Insurance Industry & LIC. After you join the LIC and become a Member of this wonderful Association AIIEA, you will be knowing much more about the History and achievements of AIIEA in detail. Please feel free to contact us for any clarifications and help.


AIIEA President's Message

Dear Friends,
Warmest Greetings

The LIC of India is the finest financial institution in the country. It is the largest life insurance company in the world in terms of the number of policies it serves and claims it settles. LIC is the single largest investor in the Indian economy. Though it currently serves over 42 crore policyholders, it has touched the life of every Indian Citizen through its contribution to the nation building activities. It is therefore a matter of pride to work for such a Premier Public Sector Institution.

The LIC has announced 8000 vacancies for recruitment to the Post of Assistant throughout the country. This is a significant step in the background of unprecedented unemployment situation in India. The All India Insurance Employees’ Association (AIIEA) which is the oldest and largest trade union of insurance employees had invested lot of energy in agitating for recruitment. This struggle has now succeeded with LIC announcing to recruit 8000 persons for the post of Assistant. The AIIEA since its birth in 1951 has been working for the improvement of the wage and service conditions of the LIC employees. It is the result of these struggles that today the Pay, Service Conditions and Opportunities for career advancement in LIC are comparable to the best in the country. The AIIEA is also committed to the noblest values of mankind and therefore it engages itself in several social activities to provide relief and support to those affected by natural calamities and suffer from economic and social disadvantages.

It is with this commitment that AIIEA helps the candidates aspiring for job in LIC with free study material and free coaching classes. I hope you will take advantage of this opportunity and prepare well to face this competitive examination.

I wish you success in your endeavour and hope for your joining the great fraternity of insurance employees.

Greetings again,

Sincerely yours,
Amanulla Khan
President, AIIEA