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| Section | What to Fill | Common Mistake to Avoid | | :--- | :--- | :--- | | | Policy number, name, address, loan amount. | Using initials instead of full name as per policy. | | Part B | Repayment mode (Lumpsum / Monthly) | Leaving mode blank – leads to auto-debit failure. | | Part C | Assignment details (if loan from bank) | Forgetting banker’s signature & stamp. | | Part D | Witness signature (LIC agent code required) | Using a non-licensed witness – form invalid. | | Annexure | Surrender value calculation | Miscalculating 90% of surrender value. | lic form 3855 download fixed