How to Check LIC Maturity Amount: Online or Offline?

LIC provides a wide range of online services to its customers to make the process simple and convenient. From purchasing a plan to paying the premiums on regular intervals to checking the maturity amount and status of the policy, everything can be availed through the online as well as the offline mode.

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These facilities have made the process user-friendly and understandable for individuals unable to visit the branch offices due to various reasons to avail of the services.

Maturity Amount of LIC Plans

Maturity amount is the final amount received on the maturity of the plan by the life insured or his nominee/dependent in case of the policyholder's demise in the form of the death benefit. The maturity amount is calculated by adding the sum assured, which is decided upon by the customer and the company at the time of purchasing the plan, the bonus amounts or profits received throughout the plan's tenure, and additional bonuses if mentioned by the Corporation. 

How to Check Maturity Amount?

To check the LIC maturity amount through the E-services made available by the Corporation, the following steps can be followed:

Steps to be followed by new users:

Step 1:The insured needs to visit the official website of LIC.

Step 2:On the home page, the user can select the option of "New User."

Step 3:In the next step, he can fill up his personal details such as name, date of birth, policy number, mobile number, email address, etc.

Step 4:Finally, the user can select the user name and password of his choice thereafter, which he will be logged into the account.

After creating an account, the user can follow the steps as mentioned below in order the maturity amount:

On the homepage of the LIC portal, two options, that is, New User and Registered User, will be specified. 

Step 1:By selecting the latter option, the user will be redirected to the LIC login page. 

Step 2:On the LIC login page, he can enter the user name and password that the client has selected in the registration step itself.

Step 3:After logging into the account, the individual can click on the “Policy Status’ tab.

Step 4:On this page, the policyholder will be able to view the plans that are enrolled in the account. 

Step 5:Here, the user can check the maturity amount as well as other details such as policy name, the date for paying the premium, policy term, and so on.

Hence, the sum assured can be checked by the policyholder through the LIC Login Page.

Things to Take Note of whileChecking LIC Maturity Amount Online

There are certain points to remember while checking LIC Maturity Amount online. They are:

  • The website will ask the policy number of the particular plan. Therefore, the policyholder should keep the details of the LIC policy at the ready.
  • When creating an account, the policyholder has complete flexibility to choose any user ID, that he/she wants. The user ID can include letters, numbers, and special characters such as a dot, hyphen, or underscore.
  • The length of the password while creating a user account should be between a range of 8 and 30 characters. The password that is set should be easy to remember, unique, and should be kept confidential to prevent any sort of fraudulent activities in the account.
  • The box marked with an asterisk(*) has to be filled compulsorily and hence cannot be left blank to proceed further and create an account successfully. 
  • The email ID provided while registering should be a valid one so that changes and other important messages can be conveyed through the email.
  • Lastly, the user ID provided during registration should be unique and not match the user ID of any other customer. In case of the particular user ID already being in use, the customer will be notified of the same and can, after that, select a new unique ID for the account.

In order to check the maturity amount offline, the life insured can visit the nearest branch office and receive all kinds of assistance from the LIC employees. Customers with LIC pension plans can also avail these facilities through the online as well as the offline mode. 

How to Check Maturity Amount and LIC Pension Plan through SMS?

Checking maturity amount and various other updates regarding a plan through SMS can be an appropriate option. It reduces the hassle of remembering the password every time an individual has to login into his account. To check the updates through SMS, one can type "ASKLIC" followed by the policy number and SMS it to the phone number 56767877 made available by the Corporation.

Secondly, in order to get updates regarding the LIC Pension Plan, the following procedure can be followed: 

  • Status of the existing plan
“ASKLIC<Policy Number>STAT”
  • Annuity Amount
"ASKLIC<Policy Number>AMOUNT."
  • Release date of the Last Annuity
“ASKLIC<Policy Number>ANNPD”
  • Cheque return information
“ASKLIC<Policy Number>CHQRET”
  • Existence certificate due
“ASKLIC<Policy Number>ECDUE”

All of the queries mentioned above can be resolved by sending the SMS code to the same number, that is, 56767877.

How to Check LIC Maturity Amount through Customer Care?

Suppose a user is not comfortable using SMS or the E-Service facilities. In that case, he can avail the same features and get regular LIC Pension plan policy updates through the LIC customer care number operated by a team of dedicated LIC employees. BSNL or MTNL users can simply call 1251 from their mobile numbers. 

Customers that are subscribed to other services can contact the Integrated Voice Response System (IVRS) from their local cities and, after that, follow it up with 1251. The Integrated Voice Response System provides assistance to the customers 24x7 and can provide the users with clear-cut and precise policy information, thus, clearing all doubts of the clients. 

To make the process further simpler and solve all queries of customers, LIC has divided India into eight zones, namely, North, North Central, East, East Central, West, West Central, South, and South Central Zones. All of the eight zones have different customer care numbers and branch offices for customers to call or visit physically in order to get the queries regarding the plans resolved. 

How to Check LIC Policy Surrender Value Online?

Surrender Value is the amount that is paid to the policyholder by the company if he wishes to discontinue the policy. However, it can be paid only if the life insured has paid all the premiums, whether it is monthly, quarterly, half-yearly, or yearly for a period of three years. In order to check the value online, one can visit the official website of LIC and fill in the required details. One can calculate the surrender value by using the formula mentioned below:

Basic Sum Assured (Number of Premiums Paid) + Total Bonus Received x Surrender Value Factor.

Why Check LIC Pension Plan Status and Other Information at Regular Intervals?

It is essential for each policyholder to keep a check on the plans at regular intervals because, in the busy schedules of everyday life, there is a major possibility that the life insured may forget to pay his premiums on time. 

Thus, it is essential that the customer check the status once after every two months to stay updated about any sort of changes regarding the plan. Moreover, if the life insured fails to pay the premium even after the grace period, which is often 15-30 days as per the company's guidelines, the policy might get lapsed and the policyholder as well as his family gets deprived of the benefits that are offered by the plan.

How to Claim the Amount after the Maturity of the Plan?

The nearest servicing branch of the Corporation typically sends maturity claim intimations two months prior to the maturity of the policy. Then, the life insured or his dependent, in the case of death of the policyholder before the end of the tenure of the policy, has to submit the discharged receipt in form number 3825 along with the original policy documents at least one month prior to the due date of the policy so that the entire amount can be paid to the customer before the due date of the maturity claim. Along with the policy documents, a few other documents such as identity proof of the policyholder / ID proof of nominee along with death certificate in case of death of the policyholder, age proof if it has not been submitted previously, a cancelled cheque, or a copy of the policyholder's bank passbook and an NEFT mandate form. 

Over to you

Therefore, the policyholders should be up to date with any sort of updates that might also affect the policy that he is associated with. It is due to reasons as such that he should know the policy he purchases in-depth and purchase a plan that can meet all his needs and requirements to receive full benefits from the plan. 

As insurance allows the life insured's family to lead a comfortable life even in the absence of a regular income, it should be made sure that the policy is revised thoroughly before making the purchase.

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
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