LIC Life Certificate

Read on to know more about the LIC Life Certificate.

What is the LIC Life Certificate?

The LIC Life Certificate is a physical or digital document that serves as proof that the annuitant or pensioner is alive and therefore eligible to continue receiving their periodic annuity or pension benefits.

What is the purpose? 

The certificate’s main function is to prevent fraudulent disbursements and ensure that pension payments are credited only to living beneficiaries.

Is Mandatory Submission Required? 

It is generally required to be submitted annually, typically by November 30th (though senior citizens may start earlier), to the Pension Disbursing Authority (PDA) or LIC. The Life Certificate for LIC is generally submitted once every year 

What is the validity? 

The Jeevan Pramaan Patra is not valid for life; its validity is fixed, usually for one year, after which a new certificate must be obtained.

The LIC life certificate goes by several names depending on the source or platform used. Some of the commonly used terms include:

• Life Certificate for LIC

• LIC Jeevan Sakshya Life Certificate

• LIC Life Existence Certificate

• LIC Annuity Existence Certificate

• LIC Jeevan Praman

All of these terms refer to the same annual verification process. Whether you're a policyholder under any LIC annuity plan, the requirement to submit this certificate remains the same. Typically, the submission period for the LIC Life Certificate falls in the month of November each year.

How to Submit a LIC Life Certificate?

You can submit your LIC Life Certificate through two methods:

MethodProcess & ToolsRequired DataOnline (LIC Jeevan Pramaan Portal)Use the Jeevan Pramaan App (PC/Mobile). Requires Aadhaar-based biometric authentication (fingerprint or iris scan) or Face Authentication (using a smartphone camera).Aadhaar Number, PPO Number, Pension Account Number, LIC Policy/Annuity Number.Online (LIC Digital/Jeevan Saakshya App)LIC’s dedicated mobile app allows submission via Aadhaar/DigiLocker authentication and a selfie capture for verification.Aadhaar Number, Policy Number, MPIN.Offline (Physical Submission)Download the physical Certificate of Existence form from the LIC website. Fill it, get it attested and signed by a recognized official (Bank Manager, Gazetted Officer, Doctor), and submit it to your nearest LIC branch, LIC annuity servicing centre, or authorised LIC agent or development officerAttested Form, Policy Details, Photo ID.

How to Download LIC Life Certificate from LIC Jeevan Praman Portal?

Once your Jeevan Pramaan is successfully generated and verified through the biometric process, you will receive an SMS acknowledgement containing a unique Pramaan ID.

• Visit the Jeevan Pramaan Portal: Go to the official website 

• Use Pramaan ID: Use the unique ID sent via SMS to log in and access your certificate.

• Download: You can then download a PDF copy of your Digital Life Certificate (DLC) for your records.

Why is the LIC Life Certificate Important?

• The Life Certificate for LIC ensures uninterrupted annuity payments from LIC by confirming that the policyholder is alive.

• It prevents fraudulent claims on accounts of deceased policyholders.

• With the certificate of existence LIC maintains accurate and up-to-date annuitant records.

• Failure to submit the LIC life certificate on time can lead to suspension of monthly payments.

• It safeguards your monthly income and ensures compliance with LIC’s verification process.

What are the Important Points to Remember?

• Aadhaar Linkage: Your Aadhaar number must be registered with your Pension Disbursing Authority (PDA), the bank or LIC before attempting digital submission.

• Digital Tools: For the online process, you must download the required apps (AadhaarFaceRD and Jeevan Pramaan Face App for face authentication).

• Due Date: The standard last date for submission is November 30th annually.

• Effect of Non-Submission: Failure to submit the certificate will lead to the stoppage of your monthly pension, which will only resume after the certificate is successfully processed.

Summing Up

Submitting your LIC Life Certificate, whether online through the LIC Jeevan Sakshya portal or offline at a branch, is essential for receiving uninterrupted annuity benefits. With digital options like Jeevan Pramaan, the process has become quicker and more accessible, even for senior citizens.

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