Worried about my low EF of 25% after angioplasty - what should I do?

Ans: Hello Sudarsan
these branches are possible only in NITs of northeast, or Andhra. And in Ghani Khan Choudhary Institute of Engineering and Technology, Malda, West Bengal in JOSAA rounds.

Ans: Hi
at this percentile, it's very difficult to get these branches

Ans: I am very sorry to hear about your loss. This is an emotional situation along with a financial question. I will explain this in a simple and clear way so you can take the right steps.

» Understanding your policy structure

You have mentioned:

– Policy taken in 1995
– Premium paying term completed in 2015
– Life assured is yourself (father)
– Nominee/beneficiary was your son (who is now expired)
– You and your wife are alive

This type of policy was meant to support a dependent (your son) after the life assured.

» What happens when nominee (son) expires before claim

In such cases, the policy does not get cancelled.

Since:

– life assured (you) is still alive
– policy has already completed premium payment

The policy continues in force.

But the nominee benefit cannot be paid to your son now.

So the benefit will be payable to legal heirs or as per updated nomination.

» What are your options now

You have two main options.

Option 1 – Continue the policy till maturity or claim event

– policy will pay maturity or death benefit as per terms
– proceeds will go to legal heir / updated nominee
– you can update nomination now (for example, your wife)

Option 2 – Surrender or exit (if allowed)

– you may receive surrender value (if applicable)
– amount may be lower than full benefit
– depends on policy terms and current status

Before taking this step, it is important to check surrender value.

» Important step you must do immediately

Please update the nomination.

Since your son (nominee) has expired:

– submit a nomination change request
– add your wife or legal heir as nominee

Without this, claim settlement may get delayed later.

» How the money will be paid eventually

Depending on policy terms:

– either lump sum amount
– or annuity/pension type benefit

This will now go to the updated nominee or legal heir.

» Documents you should keep ready

– policy document
– your ID proof
– your son’s death certificate
– nominee update form
– bank details

These will be required for any future claim or update.

» Best practical step now

– visit nearest LIC branch
– explain full situation
– check current policy status
– confirm maturity benefit or claim structure
– update nomination immediately

Avoid relying only on assumptions because this policy type has specific conditions.

» Finally

Your policy is still valid because you (life assured) are alive. The benefit will not go to your expired son, but can be redirected to your legal heir after updating nomination.

Immediate action required is nomination update and policy status confirmation with LIC.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: At a CRL of 99,745 and 93.6 percentile, normal JoSAA chances for NITs and IIITs in the OPEN category are low. However, it’s important to fill choices for lower-demand branches in newer NITs, all possible GFTIs, and IIIT branches with lower competition. Realistic GFTI targets may include Sant Longowal Institute, Assam University Silchar, Gurukula Kangri, Mizoram University, and BIT Mesra off-campuses or lower branches, depending on 2026 cutoffs. Registering for CSAB Special Rounds is essential, as vacant seats after JoSAA can improve admission chances. Since you are from Madhya Pradesh, don’t rely solely on JoSAA; also apply through MP DTE counseling for government and strong state options like SGSITS Indore, IET-DAVV Indore, JEC Jabalpur, UEC Ujjain, MITS Gwalior, and reputable private colleges in Madhya Pradesh. ALL the BEST for Your Son's Prosperous Future!

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Ans: Sanjay Sir, For NIT Patna, the Bihar home-state quota is advantageous, but admission to ECE may be borderline or difficult since recent OBC-NCL ECE closing ranks have typically been around the 18,000 category-rank range, so he should definitely try. More realistic ECE chances might be found at NIT Arunachal Pradesh, NIT Manipur, NIT Meghalaya, NIT Mizoram, NIT Nagaland, NIT Sikkim, and some newer IIITs or GFTIs, depending on 2026 seat movement. It is also wise to include Electrical and Electronics & Instrumentation branches as backup options. A good strategy is to fill choices starting with NIT Patna ECE and EE, followed by newer NIT ECE branches, IIIT ECE, and GFTIs, and to register for CSAB Special Rounds after JoSAA. Additionally, having Plan B and Plan C backup options is recommended if possible. ALL the BEST for Your Son's Prosperous Future!

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Ans: Hello Anshika ji
at this rank getting govt college will be very tough.

Ans: Hello
he has very good chances of getting admission to NITs and IIITs.
You can DM me through insta handle CAREERSTREETS for further queries I will help you out.

Ans: At around the 98 percentile, admission chances at top IIITs like Allahabad, Gwalior, Jabalpur, and Lucknow for CSE may be challenging. However, she can realistically target IIITs such as Una, Sonepat, Kalyani, Bhagalpur, Bhopal, Ranchi, Dharwad, Kottayam, Sri City, Kurnool, and Nagpur for branches like ECE, IT, CSE-related fields, and AI/DS, depending on 2026 cutoffs. It’s important to check JoSAA closing ranks from 2024 and 2025 and fill as many relevant choices as possible. Additionally, applying for the CSAB Special Round is advisable, and reviewing opening and closing ranks from the past 2–3 years will give valuable insights to confidently select and maximize her preferences. If possible, have backup options apart from JoSAA. ALL the BEST for Your Daughter's Prosperous Future!

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Ans: Advik Sir, you have not mentioned your son's home state. For a General male student, chances of admission to top NITs for CSE/ECE are low, but there are good possibilities in newer NITs, lower-demand branches, some IIITs with non-core branches, and several GFTIs. Realistic options include NIT Meghalaya, NIT Mizoram, NIT Nagaland, NIT Sikkim, NIT Arunachal Pradesh, lower branches in NIT Puducherry and NIT Goa (depending on seat movement), and GFTIs like Assam University, Gurukul Kangri, BIT Mesra (certain modes), and lower branches at IIEST. JoSAA opening and closing ranks show that top NIT CSE branches close much earlier. It is strongly recommended to apply for CSAB Special Rounds, where chances improve due to vacant seats. Having Plan B and Plan C options (of Private Engineering Colleges too) is essential instead of relying solely on JoSAA. ALL the BEST for Your Son's Prosperous Future!

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