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LIC provides a variety of online services to make transactions easier and faster for its many customers.

LIC's e-services offer almost every service that used to be available only at branch offices.

Staying on top of your LIC policy status is just as crucial as purchasing the policy. With busy schedules, missing premium deadlines or grace periods can happen easily. Regularly reviewing your policy status helps ensure you're always informed about upcoming premium payments.

In the past, you had to visit an LIC branch or contact an agent to check your policy status. With LIC's digital platform, you can now check your policy status and access many other services instantly.

Mobile services can also be used to check status of policy and premium settlement. Make sure you have your LIC policy number ready when calling customer care or checking your status online.

Anyone with an LIC policy can check its status regularly. An LIC policy provides protection against unexpected events, and checking its status is crucial. Failing to pay premiums on time can lead to policy lapse, rendering it useless. Therefore, policyholders should check LIC policy status to know their premium payment dates.

How to Check LIC Policy Status: Available Methods

LIC offers multiple ways for LIC policy status check, catering to both online users and those without internet access. These include:

Online Methods:

  • By visiting the LIC India website.

Offline Methods:

  • By Sending an SMS to LIC Help
  • By Calling LIC customer care
  • Visiting a branch

Steps to Register for LIC Online Services

To check your LIC policy status online, you first need to register and create a new user account on the LIC e-service portal. Here's how:

Step 1: Visit the LIC e-service portal: Go to the official website of LIC's e-service portal.

Step 2: Sign Up: Click on the "Sign Up" button on the website.

Step 3: Fill in the Registration Form: Provide the necessary information to complete the form:

  • Your valid email address
  • A chosen username
  • A chosen password

Step 4: Confirm Your Email: An email will be sent with a link for the confirmation.

Requirements for New User Registration

To successfully register, you must have the following information:

  • Valid LIC Policy Number: You must own a valid LIC policy.
  • Date of Birth: Use the correct format to key in your DOB.
  • Mobile Number: Provide a valid mobile number to receive alerts about premium payments, policy maturity, and other important notifications.
  • Instalment Premium: Enter the amount of your paid premiums, excluding any service tax.
  • Email Address: Provide a valid email address for communication and verification purposes.

Check Policy Status Online Using Policy Number on the LIC Website

For New Users

Step 1: Visit the LIC Website: Go to the official website of Life Insurance Corporation of India (LIC).

Step 2: Register as a New User: Click on the "New User" option and fill out the online registration form. Decide on a username and password for your account registration.

Step 3: Confirm Your Email: Find the confirmation link in your email and click it to validate your email address.

Step 4: Link Your Policy: Log in to your newly created account and enter the details of your LIC policy, such as policy number, premium amount, and date of birth.

Step 5: View Policy Status: Once you submit the information, the system will verify the details and display the status of your policy.

Note: If you enter incorrect information, you will receive an error message. Incorrect information will be automatically deleted after 5 days.

For Registered Users

If you're already a registered user on the LIC India website, you can easily check the details of your LIC policy, including premium payments, group schemes, and accrued bonuses. Here's how:

Step 1: Visit the LIC India Website: Go to the official website of Life Insurance Corporation of India (LIC).

Step 2: Log In to Your Account: Click on the "Online Services" option and select "Registered User."

Step 3: Enter Login Credentials: Enter your username, date of birth, and password, then click on "Go."

Step 4: Access Policy Tools:This will open a page with various policy tools for registered users.

Step 5: View Enrolled Policies: Select the "View Enrolled Policies" option.

Step 6: Review Policy Details: This will display a list of your enrolled policies, including details like enrollment date, premium amount, and vested bonuses.

Step 7: Check Policy Status: Click on the policy number of the policy you want to check for more details and its current status.

Recommended Read: Loan Against LIC Policy

How to Check LIC Policy Status Without Registration

Life Insurance Corporation of India (LIC) offers convenient ways to check your policy status without needing an online account. You can use either SMS or phone calls to inquire about your policy details.

Checking Your LIC Policy Status with SMS

1. Choose Your Message Format:

  • Option A: Type "ASKLIC" followed by a specific code related to the information you need (refer to a list of codes provided by LIC for specific details). Send this message to 9222492224.
  • Option B: For a simpler approach, type "SMS LICHELP " and send it to 9222492224.

2. Receive Your Policy Update:

Once you send your SMS, LIC will reply with a message containing the details you requested. This could include information like premium due date, policy term, or other relevant details about your specific policy.

Important Note: Remember to send the SMS from your mobile number registered with LIC for verification purposes.

SMS for Various Purposes

Send the messages to 56767877.

Type of Enquiry

Description

SMS Code

To Check the Instalment Premium Amount

Find out your instalment premium, which can be paid annually, semi-annually, quarterly, or monthly.

Type ASKLIC PREMIUM

To Check the Bonus Amount

View the bonus amount accumulated so far.

Type ASKLIC BONUS

To Check the Revival Amount

Find out the revival amount to reinstate your policy within 5 years if it has lapsed.

Type ASKLIC REVIVAL

To Check the Loan Amount Available

See the loan amount available on your policy.

Type ASKLIC LOAN

To Check Nomination Details

Get details of the nomination for your policy.

Type ASKLIC NOM

SMS Details to Check Your LIC Pension Policy Status

Send the messages to 56767877.

Type of Enquiry

Description

SMS Code

To Check the IPP Policy Status

Find the status of your Individual Policy Plan (IPP).

Type ASKLIC STAT

To Check Existence Certificate Due

See if your Existence Certificate, which verifies your status, is due.

Type ASKLIC ECDUE

To Get Last Annuity Released Date

View the date when the last annuity payment was released.

Type ASKLIC ANNPD

To Check Annuity Amount

Find out your annuity amount, which is paid in regular intervals.

Type ASKLIC AMOUNT

To Get Cheque Return Information

Check if a cheque was returned due to insufficient funds in your account.

Type ASKLIC CHQRET

Checking Your LIC Policy Status Through Customer Care

To inquire about your LIC policy status, you can directly call the LIC customer care number: +91-02268276827. This service is available in English, Hindi, and eight regional languages from 8:00 AM to 8:00 PM, Monday to Friday.

Checking Your LIC Policy Status at a Branch

For a more personalised approach to checking your LIC policy status, you can visit your nearest LIC branch. Simply head to the customer service desk and bring along your valid policy documents and identification proof.

The customer service representative will verify your information and provide you with specific details about your policy, such as its current status, premium due dates, and any accrued benefits.

Recommended Read: LIC Credit Cards Are Here: Check Out The Features, Benefits & Eligibility

Checking Your LIC Policy Status When Documents Are Lost

Losing your LIC policy documents can be a frustrating experience. However, there are several ways to retrieve your policy details:

1. Check with Your Loan Provider: If you've taken a loan against your LIC policy, your loan provider likely has a copy of your policy documents. Get in touch with them to obtain the relevant details.

2. Obtain a Duplicate Policy: If you're unable to locate your policy documents through your loan provider, you can apply for a duplicate policy from your nearest LIC branch. Here's how:

  • File a Police Complaint: Report the loss of your policy documents to the local police station.
  • Submit an Application: Visit your nearest LIC branch and submit an application for a duplicate policy.
  • Provide Required Documents: Submit a copy of the police complaint, notarized indemnity documents, and an affidavit explaining the loss of your original policy documents.
  • Pay the Fees: Pay the prescribed fees for the duplicate policy.
  • Follow Up: Regularly check with the LIC branch for updates on the status of your duplicate policy.

Once you have your policy number or other relevant details, you can check your policy status using online methods or by contacting LIC customer care.

The Importance of Regular LIC Policy Status Checks

Regularly checking your LIC policy status is crucial for maintaining your financial security and ensuring your policy's health. Here's why:

1. Timely Premium Payments:

  • Avoid Missing Deadlines: By staying updated on your policy's status, you can ensure that you never miss a premium payment.
  • Prevent Policy Lapse: Missed payments can lead to policy lapse, which could result in significant financial loss.

2. Monitor Policy Benefits:

  • Track Bonus Accrual: Many LIC policies accumulate bonuses over time. Regular checks help you monitor this growth.
  • Understand Policy Value: Staying informed about bonuses and other benefits gives you a clear picture of your policy's overall value.

3. Assess Loan Eligibility:

  • Access Funds When Needed: Some LIC policies offer loan facilities against the policy's accumulated value.
  • Make Informed Decisions: By knowing your current loan eligibility, you can plan your finances accordingly.

4. Explore Policy Revival Options:

  • Revive a Lapsed Policy: If your policy lapses due to missed payments, you may have a grace period to revive it.
  • Preserve Policy Benefits: Reviving a lapsed policy allows you to retain its benefits.

5. Verify Nomination Details:

  • Ensure Beneficiary Accuracy: It's important to keep your policy's nomination details up-to-date.
  • Protect Your Loved Ones: Accurate nomination ensures that your policy benefits reach the right people.

6. Monitor Annuity Payments (for Pension Plans):

  • Timely Receipt of Payments: Regular status checks help you verify that your annuity payments are being disbursed on time.
  • Financial Security: For retirees, timely annuity payments are crucial for financial stability.

7. Prevent Administrative Errors:

  • Identify and Correct Discrepancies: By reviewing your policy status, you can catch any errors or inconsistencies.
  • Ensure Accurate Records: Accurate records help avoid future complications and disputes.

Key Tips for Checking Your LIC Policy Status

To ensure you stay informed about your LIC policy, keep these tips in mind:

1. Learn the SMS Codes:

  • LIC offers a convenient SMS service to check various policy details.
  • Familiarise yourself with the specific codes for premium amounts, bonuses, loans, and policy revival.

2. Keep Your Policy Number Handy:

  • Your policy number is essential for all inquiries.
  • Keep it readily accessible to expedite the process.

3. Monitor Premium Payment Deadlines:

  • Regularly check your policy status to avoid missing premium payments.
  • Timely payments prevent policy lapses and potential financial losses.

4. Track Bonus Accrual:

  • If your policy offers bonuses, monitor their accumulation over time.
  • This helps you understand the growth of your policy's value.

5. Assess Loan Eligibility:

  • Check your loan eligibility to access funds when needed.
  • This can be helpful in case of emergencies or financial needs.

6. Update Nomination Details:

  • Ensure your nomination details are accurate and up to date.
  • This guarantees that your beneficiaries receive the policy benefits smoothly.

7. Stay Informed About Policy Revival:

  • If your policy lapses, check the revival period to restore its benefits.
  • Timely revival can help you retain your policy's value.

8. Track Annuity and Pension Payments:

  • For pension policies, monitor annuity payments to ensure timely disbursement.
  • This is crucial for retirees who rely on these payments for their income.

9. Prevent and Detect Errors:

  • Regular checks can help identify and rectify any errors or discrepancies in your policy information.
  • Early detection prevents potential issues and ensures accurate records.

10. Utilise Multiple Channels:

  • Explore various options for checking your policy status, such as SMS, online portals, mobile apps, and customer service centres.
  • Select the approach that meets your needs and preferences ideally.

Life Insurance in Policy FAQs

1. How can I check my LIC policy status?

To check your LIC policy status, follow these steps:

  • Go to the official LIC website at licindia.in.
  • On the homepage, find the Login option under the menu and click to access the Customer Portal.
  • You will be directed to the Customer Portal login page. Click on the "Sign Up" button.
  • This will take you to the "Enrolment of Individual Policyholder" (Sign Up) page.
  • Enter your Policy Number, Instalment Premium excluding tax, Date of Birth, Mobile Number, Email ID, and optionally, your PAN and Passport details.
  • Choose your Gender and verify all the details you’ve entered.
  • Agree to the declaration and click on the "Proceed" button.
  • Email ID and Mobile Number verification is required to register for Premier Services.
  • Create and confirm your password.
  • Complete registration and log in with your credentials.
  • After logging in, click on the "View Enrolled Policies" option.
  • This will redirect you to a page where you can see all your enrolled policies.
  • Select the policy you wish to view and check its details.
  • You can now access your LIC policy details and statements online.

2. Is there a way to check my LIC policy status through the website?

To check your policy status online, log in to your LIC account using your credentials. Once logged in, navigate to the "View Enrolled Policies" section. Here, you can view details about your policies, including premium amounts, due dates, and current status.

3. Can I check my policy status without registering online?

Yes, you can check your policy status without registering online. You can do this by using the SMS service or by calling the LIC customer care number.

4. How can I check my LIC policy status by SMS?

To check your LIC policy status via SMS, simply send an SMS with the message "ASKLIC " (e.g., "ASKLIC 1234567890") to the number 9222492224. You will receive a reply with your policy details, including the status, premium due, and other relevant information. This service offers a quick and easy way to stay updated on your LIC policy without the need for an online login or branch visit.

5. Can I call the IVRS number from anywhere in India?

Yes, you can call the IVRS number from anywhere in India to check your LIC policy status. You can also contact specific LIC branches or departments for more detailed information.

6. How can I check my LIC policy status through customer care?

To check your LIC policy status through customer care, you can simply call the customer care number +91-02268276827. When you call, you'll need to provide your policy number and other relevant details to the customer care representative. They will then provide you with the necessary information about your policy's status, including premium due dates, loan details, and other important updates.

7. Should I check my LIC policy status regularly?

Yes, it's highly recommended to check your LIC policy status regularly. Regular checks help you stay informed about your policy's status, ensuring that you don't miss any important deadlines, such as premium payments. This helps prevent policy lapses and potential financial losses.

8. Are there any specific services for certain LIC policies?

No, the service of checking policy status is available to all LIC policyholders, regardless of the specific policy type. As long as you have your policy number and other relevant details, you can use this service to check the status of your policy.

9. Is there a limit to how often I can check my policy status?

No, there is no limit to the number of times you can check your LIC policy status. You can check your policy status as often as you need to, whether it's daily, weekly, or monthly.

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.

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