How to Check Your LIC Policy Status?

Understanding what LIC policy status means and its importance is the first step toward better policy management.

What is LIC Policy Status and Why Check It? 

The LIC policy status refers to the current standing of the policy. By checking your LIC policy details, you can view important information such as the next premium due date, policy maturity date, loan eligibility, accumulated bonuses, and whether your policy is active or has lapsed. This can be done easily through various online methods.

It is important to regularly check the LIC policy status to:

• Avoid missed premium payments- Prevent policy lapse and maintain coverage.

• Track policy maturity- Stay informed about payout timelines.

• Check loan eligibility- Know if you can borrow against your policy.

• Monitor policy status- Ensure the policy is active and in force.

• Access bonus details- Stay updated on accrued bonuses.

• Plan finances better- Make informed financial decisions.

How to Know the LIC Policy Status ? 

LIC of India offers a user-friendly mobile application, the LIC Digital app, to help policyholders access their LIC policy details quickly and securely. This app is handy for those who prefer managing their policies digitally.

1. Steps to Check LIC Policy Status through App for Non-Registered/New Users:

   Follow the below steps to use the LIC policy status app, if you are not a registered user:

   • Step 1: Open the LIC customer app or you can download the ‘LIC Customer’ app from Playstore and Apple apps store. 

   • Step 2: Click on New User or Don’t have an account? If you are a new user. In such a case, you have to register yourself by clicking on the instruction given in the next section. 

   • Step 3: To complete the registration, enter the following details: 

     • LIC Policy number 

     • Premium amount 

     • Date of Birth 

     • Gender

     • Email id 

     • Mobile Number 

     • PAN Number and passport 

   • Step 4:Then ‘Accept’ the terms and conditions of LIC and allow the mentioned mobile number to be used by LIC for future references. 

   • Step 5:Select ‘Proceed’. You will be redirected to a new page where you have to create a New User ID and Password. 

   • Step 6: After choosing the right user ID and password, submit your details. 

   • Step 7: A verification code/email will be sent to you for completing the registration process. Click on the verification link and your LIC account will be created. 

   • Step 8: Once your account is created, log in to your LIC account using your username and password.

   • Step 9: Click on the ‘Policy Status’

   • Step 10: If you select ‘Yes’ to the question ‘Do You have any LIC policies?', An online enrolment form will be provided to you on the portal. 

   • Step 11: Fill the form by entering the LIC Policy number, amount of premium, policyholder’s name, and other required policy details. 

   • Step 12: Print the duly filled application and sign it. Then, submit the form to the LIC branch office. 

   LIC Branch will then validate the enrolment form and register your policy online.  

   After this enrolment process, you will be able to track the status of your policies online. 

2. Steps to Check Policy Status through App for Registered Users 

   If you have already registered with the LIC, enter the username and password for an online LIC account. To log in and check your policy status, follow the below-mentioned steps: 

   • Step 1: Open the LIC customer app or you can download ‘LIC Customer’ from Playstore and apple apps store 

   • Step 2: Select ‘Registered User’. Enter the credentials i.e., User name and Password, if you have already a LIC registered account. 

   • Step 3: Along with the username and password, you would also have to provide the date of birth in a specified format i.e., DD/MM/YYYY format. 

   • Step 4: Then, sign in and log in to your LIC account 

   • Step 5: Select ‘Do you have any policies’ and enter Yes 

   • Step 6:Click on the ‘Policy Status’ tab, A list of LIC policies will be shown that you had registered for. 

   • Step 7:Click on any of the policies displayed on the list to know the status of that particular policy. 

   You can also get other details of your policy such as the next due date of paying a premium, the sum assured, policy name, policy term, etc. Many policyholders do not prefer repeated registration processes and look for how to check LIC policy status without registration. There are a few options that are designed to offer convenience while ensuring that you stay informed about your policy.  

How to Check LIC Policy Status Without Registration?

1. Through SMS Facility

   LIC offers an SMS service that allows you to check your LIC policy status directly from your registered mobile number. Simply send an SMS in the following format:

   ASKLIC <Policy Number> STATUS

   Example: ASKLIC 123456789 STATUS

   Send this message to 56767877 or 9222492224.

   This method is quick and effective if you want to check your policy status without logging into any portal or app.

2. Through WhatsApp

   If your policy is already registered on the LIC Customer Portal, you can also check your LIC policy details via WhatsApp.

   Send “HI” to 8976862090.

   You will receive a menu of available services.

   Select the relevant option under “Policy Services” to view your LIC policy information.

   This is a convenient and secure method for accessing your policy status without navigating through the LIC website.

3. Through LIC Customer Care and IVRS

   LIC provides customer support through its toll-free helpline and IVRS system for those who prefer personal assistance.

   Toll-Free Number: 1800-33-4433

   IVRS: Dial 1251 (from BSNL/MTNL) or <city code> + 1251 from other networks.

Things to Keep in Mind While Checking the Policy Status Using LIC Application 

Here are the few parameters that should be taken into consideration while checking the LIC policy status through mobile services:

• You should always keep your policy details with you while checking the policy status online. Policy number and policy name would be required. 

• You can choose any username at your convenience. The user ID can be numerical, alphabetical, and also can contain underscore or dot. 

• The character length should be between 8 to 30 characters. Create a password that is easy to remember and unique. 

• The sections which are marked by ‘*’ (asterisk) are mandatory fields. 

• The email ID you provide while enrolling in the LIC portal should be a valid one so that it can be used for future communication.

Wrapping It Up!

Life insurance plans offered by LIC are must-have plans and every individual should get insured to take care of him/herself and his/her family members. However, the individual also needs to keep a check on his/her policy status to make sure that everything is going systematically. This can be done by tracking the policy status using mobile services i.e. LIC customer application. The above-mentioned process to check the LIC policy status is quite convenient and hassle-free.

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