How to Check LIC Policy Status, Details, Statement via Online/SMS/Call

Last year, Mr. Rajiv Verma bought a Child LIC policy to provide financial security for his kid's future. However, due to time constraints or negligence, he forgot to pay its premium and missed the grace period too. When almost after a month he came to the LIC of India office to renew his expired policy, he was appalled to know that now he had to pay extra charges along with interest to renew his policy. Had he checked the LIC policy status he would have been saved from the wastage of his hard-earned money and also the unnecessary running around.

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There are various methods to check everything about any LIC policy, including the premium due date, bonus, maturity, etc. and sometimes, people forget to check LIC policy status details of their life insurance policies and end up paying extra charges.

Check LIC Policy Status  

A myriad of online services are offered by Life Insurance Corporation to equate the transactions and to attend to the affairs of its consumers promptly. E-services of LIC bring almost every range of capabilities that were once accessible only via the branches.

Check LIC policy status

Keeping track of the LIC policy status online and information related to the policy is an option offered by the insurer, which intends to keep a policyholder updated about the LIC payments made by him/her and other events. There are various means to check LIC policy status details. Moving on with the first method, one is required to make a registration by creating a user account and filling in the LIC policy details to view his/her LIC policy status. How to make registration online and check LIC policy status is also described in the subtopics below. 

Check LIC Policy Status Online (For Registered User)

You can check details of your LIC policy including details of the LIC premium payment online, accrued bonuses, group schemes, etc. by simply logging on to the official website of LIC India with your LIC login credentials. The steps below will explain how to track your LIC policy status if you have registered yourself on the LIC website:

Step 1: You must visit the e-Service Portal of LIC. The screen will show you two options namely, New User and Registered User. Click on the relevant option.

Step 2: You will need to enter the LIC of India login credentials namely, your User Name and Password.

Step 3: Once you are logged in to your Services Account of LIC, you will see various options related to the account or your policy. Now you have to click on the 'Policy Status' tab.

Step 4: You will see all your policies that are enrolled in the respective account. If you have more than one policy and it is not listed in the list, then you have the option to add your LIC of India policy by making use of the 'Enroll Policy' option in the LIC's e-Services Tools section.

Step 5: Now, you can check LIC policy status details by policy number simply by clicking on the policy number in the list. The policy details namely policy name, policy term, table number, next premium due date, sum assured, etc. will be displayed. 

LIC Policy Status Checking Procedure for a New User

You will find the option to register yourself for e-services on the home page of LIC. If you are doing this for the first time, then here is how to check LIC policy status without registration. You have to fill in the online registration form and pick LIC login credentials for yourself. Once you are done with the registration process successfully, you will receive a mail confirming your registration on your entered email address. 

Next is, you will be required to click on the URL that will be provided in the mail you receive. You will be redirected to a page where you will be able to link or enroll your policy with your user account. You will be required to enter your LIC policy details like policy number, date of birth, premium amount, etc., and click on submit button. If the information provided by you is not correct, then you will see an error message followed by a reminder mail on your registered email id. 

NOTE: Make sure to check LIC policy status details as the incorrect policy details will get automatically deleted after 5 days.  

Why buy Term Insurance early?

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Your policy application could be rejected or premiums increase by 50-100%, if you develop a lifestyle disease

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Steps for LIC Registration for a New User

Here is how to check LIC policy status without registration for a new/un-registered user:

Step 1: You need to visit the official website of LIC of India to register. On the left side of the Home Page, you will see the Online Services tab.

Step 2: After that click on the LIC e-Services link, it'll redirect you to the next page where you'll see the 'New User' Tab.

Step 3: Hit the ‘New User’ button, it will redirect you to a form where you will be required to enter the LIC policy details by policy number.

Instructions to Check LIC Policy Status

Let us see how to check LIC policy status online:

  • Policy Number: There must be a valid LIC policy in your name

  • Installment Premium: This is the paid premiums without any service tax that is required to be entered.

  • Date of Birth: The DOB must be in DD/MM/YYYY format

  • Mobile Number: The insured must enter a valid mobile number to get alerts like LIC premium payment alert, policy maturity alert, premium due, etc.

  • Email ID: The insured must enter an active email ID.

Step 4: After you enter the required inputs as aforementioned, click to check the radio button and hit the proceed tab.

Step 5: After choosing the User ID and password of your preference hit the Submit button. The registration will be successful and you'll be logged into your account.

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

How To Enroll Your LIC Policy

Follow the below-mentioned steps to enroll your LIC policy:

  • After clicking the ‘Submit’ button to complete the ‘Registration’ process if you click the “yes” tab for “Do you have any LIC policy?” you will get an online LIC policy enrolment form. 

  • In this form, you will have to enter the prerequisite details like the name of the Life Assured (in case of a different name from the Proposer like in Children's Plan), premium, and the policy number for every policy.

  • You can take a printout of the form right after you are finished with the enrolment of your policy or at any other appropriate time simply by logging into your account using your LIC of India login credentials.

  • If you do not want to download your policy number immediately after you complete the ‘Registration’ process, you can do it any time later. You can do this number of times simply by logging into your account. Do not forget, if you are either Life Assured or the Proposer you can enroll in these policies.

  • You will have to take a printout of the form, sign it, and submit the form to the nearest branch of LIC, where at least one policy is being serviced, that is mentioned in the form. The LIC branch will provide you with an acknowledgment letter on your user id. You can get a printout of that letter for future use and reference.

Points to Remember

Here is a list of points to remember about the LIC policy status check:

  • The validation of all the policies will be completed after the completion of necessary checks with the agenda of your policy.

  • The enrolment process is necessary to assist authorized access to specific functionalities provided by the LIC like a request to change the address.

  • All policies in ordinary life are based on annual premium payments in advance. However, installment premiums may be made monthly, quarterly, or half-annually at a slight additional charge.

How to Check the LIC Policy Without Registration?

You can check LIC policy status details without registration through any of the following steps

  1. Send SMS to Check LIC Policy Status:

    You can avail of all the LIC policy details simply by sending an SMS to 56767877.

    Types of Enquiry Description SMS Code
    To Know About Instalment Premium All the policies in life are dependent on advance annual premium payments. But installment premiums can be half-yearly, quarterly, or monthly. Type ASKLIC<Policy Number>PREMIUM and send it to 56767877
    To Know About the Bonus Amount The sum accumulated out of the bonus as of today. Type ASKLIC<Policy Number> BONUS and send to 56767877
    To Enquire About Revival Amount Revival means to bring it back to life. If your policy lapses, you can revive your policy at any time within a duration of 5 years. Type ASKLIC<Policy Number>REVIVAL and sent it to 56767877
    To Check the Amount of Loan Available The sum that you can avail from your policy in the form of a loan Type ASKLIC<Policy Number>LOAN and send to 56767877
    To Check the Status of Nomination Details You can know about the details of the nominations Type ASKLIC<Policy Number>NOM and send it to 56767877
  2. Check LIC Pension Policy Status via SMS:

    You can check the status of your LIC Pension Policy via SMS.

    Types of Enquiry Description SMS Code
    To Know About IPP Policy Status IPP Policy Status is the Individual Policy Plan Status. Type ASKLIC<Policy Number>STAT and send it to 56767877
    To Check the Existence Certificate Due An existence Certificate is a document that certifies the existence of an individual. Type ASKLIC<Policy Number>ECDUE and send to 56767877
    To Get to the Last Annuity Released Date The date when the annuitant releases the payments from an annuity. Type ASKLIC<Policy Number>ANNPD and send it to 56767877
    To Enquire About the Annuity Amount The annuity amount is the sum that is paid in series at equal intervals. Type ASKLIC<Policy Number>AMOUNT and send to 56767877
    To Avail of the Cheque Return Information Cheque return in case of insufficient funds in the drawer’s account. Type ASKLIC<Policy Number>CHQRET and send to 56767877

Check LIC Policy Status for Surrender Value:

You can compute the surrender value of your LIC policy by making use of the simple formula:

Basic Sum Assured (Total number of payable premiums/Number of paid premiums) + Total bonus you receive x Surrender Value Factor.

Let us consider the case of LIC Jeevan Anand Policy to understand the guidelines involved in it. In this example, LIC's surrender value is appropriate after three functioning years of the LIC policy and is equal to 30 percent of all the premiums except the paid premiums for the policy's first year together with a vested bonus. Accident benefit will not be included to compute the surrender value. Bonuses are the additional cash value that is paid at the time of death or the end of the tenure of the policy.

Now let us consider a case that the LIC policy that began in the year 2010 with 15 years of the policy term. The basic sum assured of this policy is Rs. 4 lakhs with an annual premium amount of Rs. 30,192. The bonuses collected until now will be around Rs. 70, 000. Now, if you have paid just 5 premiums so far, the policy’s surrender value will be 30 percent (5 x 30, 192) + the Final Bonus in today’s term.

LIC Policy Status via Call Centre

You can check the LIC policy status via the call center by using the company’s IVRS system. The Integrated Voice Response System, i.e. IVRS is made available 24x7, in almost all cities. Any buyer can get hold of LIC India IVRS by simply dialing UAN, i.e. Universal Access Number 1251. To make local calls from a BSNL or MTNL number, you just have to dial 1251, and users making calls using other than MTNL or BSNL numbers can get access to IVRS by calling the IVRS center number of the respective city followed by 1251. You can also get hold of the regional or zonal offices of LIC to check LIC policy status details of all kinds of policies. The regional offices are classified into eight zones viz, Northern Zone, Southern Zone, Western Zone, Eastern Zone, Central Zone, North Central Zone, South Central Zone, West Central Zone, East Central Zone, and West Central Zone.

You can know about the LIC customer care contact numbers for all the voice support centers that come under the aforementioned LIC zones.

Why Timely Check of LIC Policy Status is Recommended?

People often forget to check their LIC policy status as most often don't even know how to check LIC policy status. A LIC policy is a shield against contingencies, but it is paramount to keep a regular tab on the status of your policy to ensure that it provides optimum returns. After all, a lapsed policy is futile. You must find some time and check LIC policy status today.

Now you can check your LIC statement online by sitting in your drawing room. It means there is no need to go to a LIC office and stand in a queue. Moreover, when you regularly check your LIC policy status online and you can also stay updated about the interim bonus and other important details. While checking the policy online, you can also find the 'Feedback' link, which can be used to send queries and valuable suggestions.

It is pivotal to get a complete understanding of different methods through which you can check your LIC policy status.

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