What are the different types of life insurance available with the company?

1. Micro Term Life Insurance

2. CML Micro Endowment

3. Samridhhi Laghu Jeevan Beema Yojana

4. Samridhhi Agrim Bhuktani Laghu Jeevan Beema Yojana

5. Samridhi Bal Bachat Laghu Jeevan Beema Yojana

1. Can sum assured added or deducted in future?

Ans:  No, sum assured of a policy could not be added or deducted.

2. Will the insured receive medical expenses in case of an accident?

No medical expenses are given but if rider premium is taken then it can be claimed as per policy.

3. What is the provision for lost policy?

Policy document/ policy paper are very important legal agreement associated with the insurance contract. Therefore, serious safety is required to preserve the policy. But, if lost due to some reason one must immediately apply for a copy. However necessary official procedure has to be completed and some official charge has to be paid.

4. What if one is unable to pay premium to continue the policy?

If one is unable to pay premium then the interest amount should be paid before continuing the policy where terms and condition are applied.

5. In what interval can I pay premium?

Premiums can be deposited either directly by cash or in various bank accounts provided by the company

6. What are the methods to deposit premium?

Premiums can be deposited either directly by cash or in various bank accounts provided by the company

7. How policy premium could be paid if one migrates to different location?

The policy premium can be only paid through portals such as esewa, khalti, fonepay, connect ips.

8. How can one get premium statement histories?

Statement histories can be accessed through Crest Micro Life Insurance app or by your nearest branch.

9. Where can policy holders’ pay their premium?

Policy Holders can pay their Premium in Branch of the company and online.

10. Can one take loan from the insurance policy?

Yes, loan can be received to the extent of certain limit of premium paid but only after three years and one must had paid at least three years annual premium as per the product acquired where terms and condition is applied.

11. What is the minimum maturity period in life insurance policy offered by the company?

Minimum five years. However, it may differ by the product.

1. What are the requirements to become an insurance agent?

Requirements typically include being at least 18 years old, having a high school diploma (or equivalent), completing mandatory training, and passing the state insurance licensing exam.

2. Do I need prior experience in sales or insurance?

Prior experience is helpful but not required. Many companies provide complete training for new agents.

3. How long does the licensing process take?

It takes maximum 15 days depending on training completion, exam scheduling, and background checks.

4. Is training provided?

Yes. Companies usually offer product training, sales coaching, compliance guidance, and mentorship.

1. How do agents get paid?
Agents are typically paid through commissions on policies sold.

2. Are there fixed salaries or only commissions?

There is salary given and incentives, reward as per the performance of the agent

3. How often are commissions paid out?

Commissions are usually paid in 15 days as per the premium collected and incentives are given as per monthly performance where terms and conditions are applies.