1. NAME The Name of the organisation shall be “National Federation of Insurance Field workers of India” to be hereinafter called National Federation. (a) Flag: The flag of the National Federation shall be in the proportion of 2:3 (width: length). **The new colour & design of NFIFWI flag and the uniform colour of our emblem will be decided later on receipt of the suggestion from all members… Secretary General will co-ordinate on this matter. 

2. HEAD QUARTERS The headquarters of the National Federation shall be at the place of posting of the Secretary General. The headquarters of the Zonal Associations and the Divisional Associations shall be at the places of posting of the Zonal Secretary and the General Secretary of the respective associations. 

3. ACCOUNTING YEAR The accounting year of the National Federation shall be from 1st January to 31st December every year. (a) Submission of Accounts: The submission of accounts of National Federation (Division/Zone/ Central) and the accounts of the properties of NFIFWI (including NFIFWI Trust) should be submitted in all the General Council of Division/Zone/Central Federation after proper auditing by a qualified Chartered accountant. 

4. AIMS AND OBJECTIVES (a) To organise the whole body of the Development Officers of the Life insurance Corporation of India and to foster a spirit of cooperation and comradeship amongst them, (b) To secure improvement of working and living conditions of its members and to safe guard their interests by all legitimate, peaceful and democratic means, (c) To make proper representations to the Union and State Governments and to the Life Insurance Corporation of India and other bodies of management in matters affecting or relating to the interests of the Development Officers and the working class, (d) To undertake prosecution of defence of any legal proceedings to which this National Federation and/or any of its member may be party, for the purpose of protecting their rights of the National Federation and/or such member or members arising out of his/her/their relations with his/ her/their employers, (e) To conduct trade disputes on behalf of its members, (f) To arrange meetings and lectures, to publish necessary literature, to develop their understanding of the advantages and facilities of organised life and also to prepare the members to play a legitimate role in their national, social and cultural life, (g) To secure equality of rights and privileges for employees doing work of the same nature, irrespective of race, colour, creed and sex, (h) To develop a healthy relationship between the employees and employers, (i) To secure effective participation of the Development Officers in the management of the Life Insurance Corporation of India and to do all such things required by law, (j) To foster a spirit of service to policy holders, (k) To compensate a member of members for loss arising out of trade disputes and for Trade Union activities to the extent deemed fit as decided by the respective Executive Committees, (l) To pay allowance to a member or members to his/their dependents during nonemployments, sickness or accidents of such member or members, (m) To start for Members - Libraries, Reading Rooms, Classes, Clubs, Co-operative Credit Societies, Co-operative Stores, Canteens, Institutions etc., to render medical assistance in cash or kind, benefit funds providing financial assistance to member or members on terms and conditions that may be decided upon by the National Executive or by the respective Zonal and Divisional Associations, (n) To develop ways and means for the spread of insurance education helping the cause of advancement of insurance industry, with similar aims, objectives and ends in view and to cooperate and/or co-ordinate and/or associate with such institutions (o) Notwithstanding the activities of the National Federation being mainly confined to life insurance, it may render such help as is possible, to members of other Institutions constituted with similar aims, objectives and ends in view and to co-operate and/or coordinate and/or federate and/or associate with such institutions. (p) To protect the rights and interests of the retired members of our organisation 

5. MEMBERSHIP AND DUTIES (a) All the Development Officers working in any Office of the Life Insurance Corporation of India who have enrolled as members of the Divisional Association shall be the members. Fundamental duties and obligations as a member: (i)To abide by the Constitution and respect its ideals and objectives and does not engage in spreading unauthenticated messages and rumours against the organisation and the membership in any form of media and shall raise all issues of concern only in the available official forums of the Organisation. (ii) To uphold and protect the unity and integrity of National Federation of Insurance Field Workers of India. (iii) To promote harmony and the spirit of common brotherhood amongst all the members transcending religious, linguistic and regional or sectional diversities and to renounce practices derogatory to the Dignity of the organisation. (iv)To support maintenance & safeguard the Organisations properties. (v) Strive towards excellence in all spheres of individual and collective activity so that the organisation constantly rises to higher levels of endeavour and achievement. (b) It shall be obligatory on the part of members to follow the programs and directives of the Federation and faithfully abide by the rules and byelaws that are in force and that may be framed from time to time. (c) Application for membership shall be made in the prescribed form to the General Secretary of the Divisional Association who may accept the same. Any application not accepted by the General Secretary shall be disposed of by the Divisional Executive Council. The decision of the Divisional Executive Council shall be final. No application shall be rejected without assigning reason. Rejection of the application shall not preclude any one from making a fresh application but not within six months from the date of such rejection. (d) Members shall enjoy all the rights and privileges assured under the rules and shall be entitled to the benefits of the National Federation. Every member shall have the right to get elected to any position in the National Federation provided he/she has service in LIC for the full tenure on the day of election. However, no individual member will hold any two posts simultaneously. (e) The membership automatically ceases at the death, resignation, retirement, termination from services or on promotion or on change of category to any class other than Development Officer or on cessation of membership as provided herein. Notwithstanding this, the victimized members of National Federation/Zonal Federation/Divisional/Branch Association at any level shall continue to be a member.

 6. MEMBERSHIP FEE (a) Each Divisional Association shall fix the entrance fee and monthly subscription for its members. (b) Any member who fails to pay the subscription for three consecutive months and all dues shall cease to be a member. The Executive Council of the Divisional Association may, however, restore the membership of such persons on payment of arrears of such subscriptions and all dues of the organisation. (c) The Divisional Association shall remit such amount of annual subscription to the Zonal Association and Central Federation as may be fixed by the respective Zonal and National Executive, within six months from the first day of the Accounting year for which it is due and remit full amount of other funds like levy, struggle funds, legal funds etc, within six months from the due date, failing which, such defaulting Division‟s right to represent in the Zonal Association and the Central Federation shall be forfeited and including debarring, till the arrears of subscription and all other dues are paid. 

7. SPECIAL CONTRIBUTIONS The Central Federation, Zonal Associations and the Divisional Associations shall collect any special contributions as may be fixed by the respective Executive Councils. 

8. MAINTENANCE OF REGISTERS (a) The Central Federation and the Zonal Associations shall maintain registers of the constituent associations with the official addresses of the said associations as well as the names, address and such other particulars as may be deemed necessary of the office bearers and the members of the National Executive, Federal Council, Zonal Executive and Zonal Council respectively. (b) The books and register of the Central Federation shall be kept at the Headquarters of the Central Federation or at such other place or places as the Central Secretariat may determine from time to time. (c) The Books and registers of the Zonal Association shall be kept at the Head Quarters of Zonal Secretary or at such place(s) as the Zonal EC/Zonal Secretary may determine from time to time. The Books and registers of the Divisional Association shall be kept at the Head Quarters of Divisional Secretary or at such place(s) as the Divisional EC/Divisional Secretary may determine from time to time. (d) The register of Members and other registers shall be maintained by the Divisional General Secretaries. (e) Every Member of the Organisation has the right to verify/inspect the accounts of the current term, subject to a formal letter of request which should be submitted through proper channel viz., Branch Secretary/Divisional Secretary/Zonal Secretary. The reason and the areas intended for inspection of accounts should be specified in particular. A notice period of not less than fifteen days should be given. (1) The Books of Accounts, Bills and Vouchers, Membership details List, Collection under various heads with Individual List, Fixed Deposits etc. Should be maintained by the Division/Zone and Central Federation in proper manner. Under any circumstances there should not be any removal/destruction of the records upto 7 years or as required by the law of the Land. (2) All the books of Accounts, registers, Bank Account details and deposits shall be handed over by the Division Secretary/Zonal Secretary/Secretary General who demits the office of the respective elected post for whatever reason within a period of not more than 30 days to the successor. (3) Under any circumstances the Bank Accounts should not be closed by the outgoing Office Bearers. The account can be transferred to the place of the new incumbent. In case of necessity the accounts can be closed with prior permission of DEC/ZEC/NEC respectively by new incumbent. 

9. FUNDS (a) The Funds of the Central Federation, Zonal Associations and the Divisional Associations shall be deposited in Scheduled Banks, Co-operative Banks and/or Public Sector Undertakings. (b) On behalf of the Central Federation the cheques for withdrawals and other negotiable instruments shall be jointly signed by the President or Vice President or Secretary General and the Treasurer. (c) The Central Federation, the Zonal Associations or the Divisional Associations may also set up Welfare Funds and also Relief Funds for providing immediate / long range monetary relief to the dependents of a Development Officer in the event of his death by accident or by illness or for the purpose of providing pecuniary help to a Development Officer in situations of distress. The respective Executive Councils will frame appropriate rules and regulations from time to time to give effect to this scheme of the said Fund. (d) On behalf of the Zonal Associations and the Divisional Associations the Bank account etc. shall be operated by either the President or General Secretary and the Treasurer. 

10. THE CONSTITUENT STRUCTURE OF NATIONAL FEDERATION The constituent structure of the National Federation shall be (i) Central Federation (ii) Zonal Association (iii) Divisional Association and (iv) Branch Association

11. CENTRAL FEDERATION The structure of the Central Federation shall be (i) Federal Council (ii) National Executive (iii) Central Secretariat and (iv) Office Bearers

12. FEDERAL COUNCIL The Federal Council shall be the supreme body and repository of supreme power of the National Federation. (a) The Federal Council consists of: (i) All the members of the National Executive (ii) Branch Secretary of the branch and in his absence Branch President and in his absence a delegate elected by the branch members (iii) Office Bearers of Zonal Associations who are not members of National Executive (b) The Federal Council shall meet biennially or in special sessions or in requisition session. Such meeting shall be convened by the Secretary General. (c) The Biennial Conference shall dispose off all matters affecting or relating to the interests of the members including: (i) Adoption of biennial audited Accounts and Report (ii) Amendment to the Constitution, if any (iii) Appointment of Auditors (iv) Election of Office Bearers (v) Formulation of overall and general policy of the National Federation (vi) Any other matter that may be brought before the Conference. (d) All matters placed before the Federal Council shall be decided by a majority of votes. (e) The Federal Council may meet in special sessions at any time in between two Biennial Federal Councils to transact all matters of vital importance, including amendments or variation of the Constitution. Requisition meetings shall transact only the specified agenda.

13. NATIONAL EXECUTIVE A. There shall be a National Executive for the general management of the affairs of the National Federation. The National Executive shall consist of the following members: (i) The members of the Central Secretariat (ii) The General Secretaries of the Divisional Associations (iii) The Presidents of the Divisional Associations. B. Powers and functions of the National Executive Subject to overall control by the Federal Council the National Executive shall be collectively responsible to the Federal Council and carry on all affairs of administration and shall have powers to: (i) Adopt resolutions, frame rules and bye laws, form committees and sub committees, appoint employees, (ii) Take decisions on any issue affecting or relating to the interest of members, devise ways and means for implementation of the decisions taken in the Federal Council and take active and necessary steps for the betterment of the organisation. The National Executive shall have the right to waive or remit or forego contributions and/or any other fee and levies payable by the Divisional Associations and other members and to render financial assistance to any unit and/or other organisations having kinder aims and objectives or to any member of the National Federation, or to any member of the National Executive, if deemed necessary (iii) Ask for levies and give call for donations or contributions or raise funds for the National Federation in the manner deemed fit, (iv) Remove or suspend any of the office bearer of the Central Federation and remove or suspend any Divisional Federation from his position of Office Bearer/ Divisional Federation from the affiliation of Central Federation or from participation in NEC meetings provided such member/members/ Divisional Federation are/is found guilty of theft, corruption or of Violating the rules of the National Federation or violating any of the vital decision of the Federation or found indulging in anti-federation activity or acting in a way prejudicial to the interests of the members in general affecting or jeopardising the existence of the National Federation or hampering its progress, or found guilty of having allegiance to any other Trade Union Organisation. The decision of the National Executive in this respect shall be taken by two-thirds majority of members present and voting in the meeting shall have to be ratified by the subsequent Federal Council meeting. In any case, before the final decision is taken, proper procedure, caution and enquiry shall be made by the Central Secretariat to ensure the said allegations are true and not vindictive in nature. (v) Take decisions and implement those on matters not specified above in consonance with the declared aims and objectives of the Constitution, subject to subsequent ratification by the Federal Council, (vi) Decide all matters placed before the National Executive by majority of votes, except in case of removal or suspension of the office bearer/s (vii) The National Executive may authorise Secretary General to call Zonal Executive or Zonal Council to establish the Constitution, if they are convinced that the same is being violated by the concerned Zonal Association 

14. CENTRAL SECRETARIAT (a) The Central Secretariat is responsible for the effective functioning of the Federation. The Central Secretariat shall be the principal executive body of the Federation. (b) All the Office Bearers of the National Federation, the Zonal Secretaries, and Zonal Presidents shall constitute the Central Secretariat. (c) The Central Secretariat shall meet at least thrice a year to discuss organizational matters, take review of the issues, and decide ways and means to achieve the goal and other important matters. 

15. OFFICE BEARERS The National Federation shall have the following Office Bearers who will be elected from among the members by the Federal Council at the Biennial Conference (i) President (ii) Vice President (iii)Secretary General (iv) Three (3) Joint Secretaries (v) Treasurer (vi) Three (3) Resident Secretaries, of whom one shall be from Mumbai/Thane Division where the Central Office of the Life Insurance Corporation of India is located, the other from Delhi/NCR which is the seat of the Government of India and one from Hyderabad (City branches of Hyderabad/Secunderabad Divisions) for Liasoning with IRDAI situated at Hyderabad. Note: (i) Names of the Resident Secretaries and Treasurer will be proposed by the Secretary General and the names thus proposed shall be deemed to be elected by the Federal Council. (ii) (a) Any Office Bearer who applies for promotion should tender his resignation immediately at the time of applying for promotion. Any member after applying for promotion shall not contest in elections. (b) The post of Office Bearers (at all levels) shall automatically cease once co-opted/elected to any other post. At no point of time an Office Bearer shall hold two posts. The Central Secretariat will co-opt another person to fill up the vacancy in its next meeting (iii) No one who is not a Development Officer of the Corporation shall be elected as an office bearer of the Federation.