How to Check LIC Policy Status without Registration?

Life Insurance Corporation came into existence in 1956 when the Government nationalized the insurance sector. It grew and partnered with hundreds of other insurers to establish an all-encompassing and reliable network. Currently, it expertly deals in life cover, health, property, education, business, transportation, and travel insurance. There are other specialized areas as well that the LIC covers.

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The Life Insurance Corporation is now a well-oiled and modern machine. You don't have to worry about finding an agent. There's not even a need to walk into a LIC office. A futuristic digital system, an online portal, and the LIC app have brought insurance to the very fingertips of the customer.

Why Do We Need to Check Our Insurance Policy?

It would be prudent to bring some factors to light that contribute to insurance policies:

Payment of the premium is commonly a yearly affair. It makes missing the deadline easier and causes further forgetfulness.Though insurance companies have a provision to collect the premium monthly, quarterly, and yearly, most of the patrons opt for the yearly premium plan. 

The finance industry depends more on exact and prompt payments than we realize. 

Hence, falling short of even a single premium may result in the lapse of the policy. Busy schedules, non-availability of funds, expired and lost credit or debit cards. Even the loss of policy papers is one of the other reasons that result in the lapse of insurance policies. That is why checking one's insurance policy should be a regular practice. Making it a habit to organize one’s affairs isalways a good idea.

How to Check LIC Policy Status without Registration?

The insurance sector in India provides cover worth billions to the working class. LIC policies are not only considered a buffer for uncertainty; they are kept as instruments of savings. Certain policies also provide tax rebates. 

Misplacing policy papers is common. Keeping the documents at the ready all the time would undoubtedly be too much to ask from senior citizens or working people close to retirement.

A simple messaging service has been introduced for those who were finding it challenging to handle these important documents. 

  • The Life Insurance Corporation of India provides an SMS number. It can be used to verify the status of a policy without having to register. You need to SMS ASKLIC<policy number>STAT to 56767877 from your registered phone number. 
  • Certain official and government procedures require proof of an individual's existence. Policyholders can avail of an Existence Certificate from LIC. To check the Existence Certificate Due: SMS ASKLIC<policy number>ECDUE to 56767877 from your registered phone number. 
  • People tend to forget the due date of payment of the premium for their policies. Check the last Annuity Release Date. Just SMS ASKLIC<policy number>ANNPD to 56767877 from your registered phone number. 
  • One is required to remember the amount that has to be released each time. However, it's not easy. To enquire about the annuity amount, just SMS ASKLIC<policy number>AMOUNT to 56767877 from your registered phone number. 
  • When transactions deplete a policyholder's account, a cheque might bounce because of insufficient funds. To ask for the cheque return information, one can SMS ASKLIC<policy number>CHQRET to 56767877 from one's registered phone number. 
  • Most of the policies require an annual payment of installments. Sometimes, the installment has to be deposited half-yearly, quarterly or monthly. Details of such deposits can be availed easily. To know about installment premium, one can send SMS ASKLIC<policy number>PREMIUM to 56767877 from one's registered phone number. 
  • Bonus amount also accumulates for insurance policies. To know if your policy has received any bonus, SMS ASKLIC<policy number>BONUS to 56767877 from your registered phone number. 
  • Unforeseen events might result in non-payment of the premium amount. This results in the lapse of the insurance policy. However, there is a provision for the revival of such a policy within 5 years. Enquire about the revival amount just by SMSing ASKLIC<policy number>REVIVAL to 56767877 from your registered phone number. 
  • Banks, as well as other financial institutions, provide loans against Insurance policies. A policyholder might like to know how much his policy can fetch at a particular point in time. To check the amount of loan that can be availed, SMS ASKLIC<policy number>LOAN to 56767877 from your registered phone number. 
  • Every insurance policy has to be nominated to a beneficiary. They collect the insured amount in case the policyholder is no more. To check Nomination Details, one can send SMS ASKLIC<policy number>NOM to 56767877 from one's registered phone number. 

Also, it's easy to get various updates and information on your registered phone number and email address. LIC's digital portals require just a user ID and a password. Customers can simply log in and find all the information they need. 

Open the homepage of the LIC website. Click the 'Online Service' tab. It will lead you to the 'e-service' page. Find the 'New User Registration' tab. Click to open a new page. Fill out the details. Click 'Proceed,' and the process is complete.

LIC Policy Status Check for New Users

With continuous transference to digital platforms, no one needs to keep physical documents at hand. Any information can be accessed via a mobile phone or a computer. 

Accordingly, LIC's online portal has a simple and user-friendly interface. New customers can check the status of a policy if they know the policy number. Just a few easy steps have to be followed for the same:

Step 1:Open the official LIC website on your browser. 

Step 2:Click on the 'Online Service' tab.

Step 3:Now click on the 'e-service' link. It shall direct you to a page for 'New Users' where you have to fill in the required information. 

Step 4:The policy one needs to enquire about must be in their name. 

Step 5:The policy number needs to be valid. 

Step 6:Enter the number of installments and the monthly premium amount. 

Step 7:Enter one’s date of birth and type in the registered mobile number. 

Step 8:Also, submit the registered email address.

Step 9:One needs to recheck all the input details for correctness. If correct, click on 'Proceed.'  

Step 10:The next page will prompt one to create a user ID with a password. Click on 'Submit' after creating the ID and the password. The software allows the user to log into the correct policy account if it accepts the ID and the password. Now the new user can check the policy status and make the required changes.

How to enrol On Your LIC Policy?

In order to enrol for LIC Policy you need to follow the steps below:

Step 1:Log in to the official website of the Life Insurance Corporation.

Step 2:Look for the 'Do you have a LIC Policy' query. Click the 'Yes' button. The page will open a ‘LIC Policy Enrolment Form.' 

Step 3:There is an option to take a printout of the enrolment form. 

Step 4:One can fill the enrolment form, provided the policy is in their name.

Step 5:The policy number needs to be valid. 

Step 6:Enter the DOB, the premium amount paid every month andthe number of installments already paid.

Step 7:Submit the enrolment form to the nearest branch.

Step 8:The Corporation will verify the submission and send a letter of acknowledgement.

Check your LIC Policy Status via Call Centre

The Life Insurance Corporation has established touchpoints through every possible medium.

Be it the official website, email, instant messaging (SMS), or the general mailing system.

Furthermore, dozens of call centres work round the clock to help customers.

An integrated voice response system (IVRS) is available 24X7 in almost every city. Customers can reach the LIC just by dialling 1251 from a BSNL or an MTNL number. They have to dial the city code before 1251 if calling from a number other than MTNL or BSNL.

Policyholders, or other individuals, can also approach the LIC through its regional zones. LIC has set up eight regional zones. The East Zone, the West Zone, the South Zone, the North Zone, the East Central Zone, the West Central Zone, the South Central Zone, and the North Central Zone. Contact numbers for every zonal office can be found on the internet.

LIC Jeevan Umang

The Life Insurance Corporation recently launched Jeevan Umang. It is a non-linked policy. That means the money is not invested in the stock market. It involves lesser risk. Yet, it guarantees better returns. The policyholder shares in the profits earned by the LIC up till the date of maturity. The corporation decides the percentage of profits to be shared with the policyholder. 

Jeevan Umang policy is a whole-life LIC policy. Death benefits are ensured even on the death of the assured during the term. The entire sum is also payable if death occurs during the first five years. After five policy years, the sum assured on death is payable even if the policy has not matured. 

A survival benefit is provided if the assured survives the premium payment term. It amounts to 8% of 'Basic Sum Assured.' It continues till the assured survives or upto the beginning of the last year of maturity of the policy. 

If premiums are paid regularly for 3 years or more, and the policy is surrendered, LIC promises to pay a surrender value. Surrender value can be Guaranteed Surrender Value or Special Surrender Value. 

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

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

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 4 Reviews)
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How to Check LIC Policy Status without Registration? Reviews & Ratings

4.8 / 5 (Based on 73 Reviews)
(Showing Newest 25 reviews)
Meer
Chalakudy, April 16, 2021
Easy claim settled
I bought the Lic India term plan from the suggestion of my family friend and he recommended me a lot of plans. He said that the claim settlement ratio is quick and easy. Also, it is protective plan.
Ram
Balasore, April 16, 2021
Child security fulfilled
I have bought a Lic India child plan online and it has been a year now. I like the way the this works. It is a nice plan I got for my child’s security.
Jyotsana
Asifabad, April 14, 2021
Additional riders
Along with my Lic India term insurance plan I have got the additional riders too. It has been an important thing for me and can be useful at any point in time. It can be added with a minimal amount.
Anubha
Mainpuri, April 14, 2021
Low premium
The premium rate of the child insurance plan of LIC India which I bought 3 years ago is best and it was under my budget. I was searching for some good plans related to child insurance. I got the way of buying this plan and loved it.
Nimesh
Lakhimpur Kheri, April 13, 2021
Tax rebate
I bought a Lic India term insurance policy online and it has been into my budget. Also, I like one thing that I would able to get the tax benefits under it. It is a good option and can be beneficial for all tax payers.
Amisha
Babina, April 13, 2021
Maturity benefits to get
It is easy to get the maturity benefits when LIC India child plan gets matured and my child would get a better return. It would be easy for him to get the best education and can go for a higher education abroad.
Jay
Lakhimpur, April 12, 2021
Safety
I feel safe and secured for my family when I will be not around. The Lic India ULIP plan will give the better returns and maturity benefits. And will be quite helpful for my family to sustain their future.
Amit
Raghunathpur, April 09, 2021
Happy customers
I am one of the happiest customer of Lic India term plan and I have found various good deals. It is the plan which has come under my budget. And it has been a protective shield for me and my family.
Ashok
Mota Chiloda, April 09, 2021
Great plan
I am happy with this plan and have recommended many people for the same. I bought the Lic India ulip plan 2 years back and It is a best kind of investment.
Azam
, April 09, 2021
Good Benefits
It is important for everyone to understand that benefit is must when you are buying a child insurance plan. I bought a beneficial child plan of LIC India.
Seema
Agra, April 07, 2021
Good plan
I like my Lic India term plan from the online market and I found the solace in this plan. It is a good thing to support yourself by getting the best term plan so secure the life.
Varun
Krishna, April 07, 2021
Dual benefit plan
I have recently bought a lic India ulip plan which is a dual benefit plan which provides with insurance and also investment. I like it and bought it. I have got various features under the same.
Sahil
Adoni, April 07, 2021
Offer protection
I had recently bought a Lic India child insurance plan online and it has been a best plan for my child’s safety and security. I really like the plan and it has given me the tremendous offer so that it can be utilize for my child. Nice plan.
Girish
Namakkal, April 06, 2021
Secure future
The Lic India pension was bought by me 2 years back so that I can secure my future and my family’s future. I really love it and found the plan much impressive. I have search for various good plans at reasonable premium.
Brijesh
Mishrikh, April 06, 2021
A great investment
I feel that the Lic India investment plan is a great investment and had been a great thing for me. I got the benefits and will receive a certain amount after maturity. In short I saved a lot of money and also get the best investment plan.
Amrit
Bairabi, April 05, 2021
A great alternative
I have found a best alternative for me along with my job. I have got the lic India pension plan policy. It is a good plan which I have bought for securing my future and it has been a wonderful plan for everyone.
Jassi
Udaipur, April 05, 2021
Maturity benefits
My Lic India investment plan has given me the maturity benefits. It includes the lump sum payment of sum assured amount. That’s a perfect way to invest.
Shobha
Aruppukkottai, April 01, 2021
Lot of features
In my Lic India pension plan I got to know about various features which has enhanced my future. I am future secured along with my job.
Puneet
Ambur, April 01, 2021
Effective plan
I had bought a Lic investment plan online and it has been a best plan. I had been taking several actions so that to save money for me and my family in future. I like the plan and have recommended many people in my known.
Ashraf
Babina, March 23, 2021
Additional riders and benefits
It is a good idea for everyone to buy a LIC term plan as I have got the additional riders too under the same. The plan is very nice and much helpful.
Monika
Aushgram, March 23, 2021
Great plans
I have founded my type of investment plan and its name is LIC Ulips plans. I really like this plan and have been secured for a longer period of time. It is a product which works on market trend and is one of the best type of investment.
Bhuwan
Anklav, March 22, 2021
Save under tax
I have saved a lot money under the name of tax. I really like this lic India child insurance and have got a good backbone for my child. It has become an easy tax. A kind of investment as well as security for my child’s future.
Naman
Anantnag, March 22, 2021
Tax benefits
With this LIC term insurance plan I received a tax rebate and tax benefits. I found it much better as compared to other plans and it’s a kind of coverage and investment for me. I am totally happy with this plan and found it worthy.
Ritwik
Lakhawati, March 22, 2021
Premium easy to pay
One of the best feature I like about LIC ULIP plan is that you can make the premium payment online. I bought this plan for the growth of me and my family. It will give a best result and outcome. I am happy that I bought this plan. Even the premium rates are reasonable.
Aman
B.khajuripada, March 17, 2021
Secure your child
I have recently secured my child’s future by buying a child insurance policy. It was the plan of lic India and its plans are really good. It was under my budget and I really like the plan as I want my child to fulfil all his dreams.
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