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 grace period too. When almost after a month he came to 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 wastage of hard-earned money and also unnecessary running around?
There are various methods to check everything about any LIC policy, including premium due date, bonus, maturity, etc, people forget to check the status of their life insurance policies and pay extra charges.
A myriad of online services is offered by Life Insurance Corporation to equate the transactions and to attend the affairs of its consumers promptly. E-services of LIC bring almost every range of capabilities that were once accessible only via the branches. Keeping a track on LIC statement online and information related to policy is an option offered by the insurer, which intends to keep you updated about the payments made by you and other events. There are various means to check your LIC policy status online. Moving on with the first method, you are required to make a registration by creating a user account and fill in the LIC policy details to view your LIC policy status. How to make registration online and check LIC policy status is described in the subtopics below.
You can check your LIC policy details including details of the premium payments, accrued bonuses, group schemes etc. by simply logging on to the official website of LIC India with your login credentials. The steps below will explain how to track your LIC policy status if you have registered yourself:
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 login credentials namely, your User Name and Password.
Step 3:Once you’re logged in your Services Account of LIC, you will see various options related to the account or your policy. Now you have to click on ‘Policy Status’ tab.
Step 4:You will see all your policies that are enrolled to the respective account. If you have more than one policy and it is not listed in the list, then you have an option to add your LIC policies by making use of ‘Enrol Policy’ option in the LIC’s e-Services Tools section.
Step 5:Now, you can track the details of your policy 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.
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 you have to fill in the online registration form and pick 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 enrol 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: The incorrect LIC policy details will get deleted after 5 days automatically.
Step 1:The insured requires visiting the official website. On the left side of the Home Page, you will see 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 ‘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 details of your policy.
Policy Number: This must be a valid LIC policy in your name
Instalment 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 premium payment alert, policy maturity alert, and 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 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
If you click the “yes” tab for “Do you have any LIC policy?” you will get an online LIC policy enrolment form, after clicking on the submit button to complete the Registration.
In the form you will have to enter the prerequisite details like the name of the Life Assured (in case of different name from the Proposer like in Children’s Plan), premium and the policy number for every policy.
You can take a print out 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 the login credentials.
If you do not want to download your policy number immediately after you complete with the Registration process, you can do it any time later. You can key in any number of times simply by logging into your account.
Do not forget, if you are either Life Assured or the Proposer you can enrol these policies.
You will have to take a print out of the form, sign 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 acknowledgement letter on your user id. You can get a print this letter for future use and reference.
The validation of all the policies will be completed after completion of necessary checks with the agenda of your policy.
The enrolment process is necessary to assist authorised access to specific functionalities provided by the LIC like request to change the address.
All policies in ordinary life are based on annual premium payments in advance. However, instalment premiums may be made monthly, quarterly, or halfannually at a slight additional charge.
You can avail 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 instalment premiums can be half-yearly, quarterly, or monthly.||Type ASKLIC<Policy Number>PREMIUM and send to 56767877|
|To Know About Bonus Amount||The sum accumulated out of bonus as of today.||Type ASKLIC<Policy Number> BONUS and send to 56767877|
|To Enquire About Revival Amount||Revival means to bring back to life. If your policy lapses, you can revive your policy 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 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|
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||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 Release 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||Annuity amount is the sum that is paid in series at equal intervals.||Type ASKLIC<Policy Number>AMOUNT and send to 56767877|
|To Avail the Cheque Return Information||Cheque return in case of insufficient funds in drawer’s account.||Type ASKLIC<Policy Number>CHQRET and send to 56767877|
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 in order 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 in order 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 began in the year 2010 with 15 years of policy term. The basic sum assured of this policy is Rs. 4 lakh 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) + Final Bonus in today’s term.
The Integrated Voice Response System, i.e. IVRS is made available 24x7, in almost all the cities. Any buyer can get hold of LIC India IVRS by simply dialling UAN, i.e. Universal Access Number 1251. In order 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 centre number of the respective city followed by 1251.You can also get hold of the regional or zonal offices of LIC to enquire about all kinds of policy. 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 centres that come under the aforementioned LIC zones.
Address: Jeevan PrakashSanjay Place, M. G. RoadP. B. No. 1022,Agra-282002
Address: Maruti Complex, Subhash Chowk, Gurukul Road, Memnagar,Ahmedabad- 380052
Address: C/O Sainik Bhawan,Opposite. G.P.O., Court Road,Amritsar, Punjab
Address: No.202, 39th A Cross, 9th Main Road, 5th Block, Jayanagar, Bangalore – 560041
Address: No. 817, Girija Complex, 1st Floor, 8th Block (Opposite Police Station), 80 Feet Road, Koramangala, Bangalore-560095
IVRS: 080 -1251
Address: Aditya Arcade, Opposite Hotel Ramdev,Nehru Nagar, Belgaum-590010
Address: Mani Complex, Gautam Budha Colony, Jail Road, Tilkamanjhi, Bhagalpur-812001
Address: Plot No-654,Cuttack- Puri Road, Bomikhal,Bhubaneswar -751006.
Email: : customerzone_bhubaneswar@licindia[dot]com
Address: MF- 19 &20, ,Mansarovar Complex, Block B,Mezzanine Floor, Bhopal-462016
Address: S.C.O 107, Sector 47-C Chandigarh-160047
Phone: 1251 or 0172-2678107
Address: DO-1,LIC Building,No.153, Anna Salai,Chennai-600002
IVRS: 044 -1251/28884300
Address: Oriental Insurance Building,47, Armenian StreetChennai-600001
Phone: 044-25331915M-CZEE: 044-25331914
Address: Red Rose Chambers, 1437, Trichy Road;Coimbatore-641018
Address: H/O-Mr Sidhartha Das,At-Kanika Chhak,Tulsipur,(Upper floor of State Bank of Hyderabad),Cuttack -753008
Address: LIC Customer Care Zone Delhi, H-39, New Asiatic BLDG,Connaught Place, New Delhi -110001Email: customerzone_delhi@licindia[dot]com
Address: G-2/B-15,LSC,Mayur Vihar Phase-2, Delhi-110091
Address: 1st Floor, Sri Ram City, Saraidhela, Dhanbad-828127
Address: First Floor, Sudeep Plaza, Plot No-3, Sector-11, Dwarka, New Delhi-110075
Address: 28/295, SA Road,Panampilly Nagar, Ernakulam -682036
Address: Shop No: 104 & 105,Hotel Haveli Arcade - 1st Floor, Sector-11, Gandhi Nagar
Address: Innam Complex Shop No- 1,2,3; Opposite - Don Bosco SchoolPanaji, Goa-403 001.
Address: No. 3-218/219, Rukmini Chambers,Behind Super Market, Ghazipur,Gulbarga - 585101
Address: D.NO.12-21-58, Upstairs of SBI, Gouri Shankar Theatre Road, Kothapet,Guntur-522001.
Email: customerzone_guntur@licindia[dot]comIVRS: 0863-1251/2222772,
Address: Triveni Complex, Bhangagarh, G.S. Road, Guwahati,781005
Address: Madan Tower,Sanatan Dharm Mandir road,Inderganj, GwaliorEmail: customerzone_gwalior@licindia[dot]com
Address: SCO 60, First Floor, District Centre, Near More Outlet, Sector-56, Gurgaon -122011
Address: DR.bekinalkar Complex, Opp. Samyukta, Karnataka Press, Koppikar Road, Hubli-580020E-mail: customerzone_hubli@licindia[dot]com
|HowrahAddress: 6/5, G.T.Road (South), Near Howrah -711101.
|HyderabadAddress: D.No. 6-3-1090/C/4, Hosanna Towers 1st Floor,Rajbhavan Road, Somajiguda (Above Andhra Bank)Hyderabad - 500082.Email: customerzone_hyderabad@licindia[dot]com
IVRS: 040-1251/23437997Phone: 040-23420730/23420740/23420761
Address: 15/2, Race Course Road, LG -5, Darshan Mall, Opp. IDA BLDG.Indore - 452003,
|JabalpurAddress: Badshah Plaza,1187, Pandit Bhawani Prasad Tiwari Ward, Opp. Old G.S. College, Wright Town,Jabalpur- 482002
Address: 303-304,Trimurty Krishna Enclave,SB-52,Tonk Road,Bapu Nagar Jaipur- 302015
Address: S.CO.No. 3,Chhoti Baradari, Crystal Plaza,Garha Road, Jalandhar -144022
Address: Ganpati Complex , Near Ram Lila Maidan, Kashidih Sakchi,Jamshedpur-831001.
Email: customerzone_jamshedpur@licindia[dot]comIVRS: 0657-1251/2320600,
Address: Plot No 62, Sector No. 8,Trikuta Nagar,Jammu-180012,
IVRS: 0191 -1251/2479717,
Address: Ummaid Hospital Road, Shanicharji ka than,Jodhpur.
Address: Jeevan Vikas, 16/98,M.G.Marg, Mall Road,Kanpur-208001
Address: Near Petrol pump, Sector 12, Karnal
Address: Ground Floor, Hindusthan BLDG, 4, CR Ave.Kolkata-700072
Address: KSDO,Jeevan Prabha, DD-5, Sector-1, Salt Lake City, Kolkata-700064
Address: 166B, S.P. Mukherjee Road, Merlin Link, 1st Floor,Kolkata-700026
Email: customerzone_kolkata-do2@licindia[dot]comPhone: 033-24198476.
Address: 1st floor, Kannampurath BLDG. Opp. BSNL Bhavan, M C ROAD, Kottayam-686001
Phone: 0481-2307422Help Desk: 0481 2307411, C
Address: 1st floor, Mas Arcade, Vaikkom Muhammed Basheer Road, Kozhikkode-673001E-mail: customerzone_kkd@licindia[dot]com
Address: Shop Nos. 9 &10, Jeevan Bhavan -1, (Ground Floor) 43- Hazaratganj, Lucknow - 226001
Address: 801/21,Loomba Street,Civil Lines, Nr Dandi Swami Mandir, Ludhiana - 141001
Address: 79 TPK Road,Ramalinga Complex,Andalpuram, Madurai-625003LIC Customer Care Email: customerzone_madurai@licindia[dot]com
Address: Ideal Tower, 1sr Floor,Opposite Sharavu Temple, G.T.Road, Mangalore - 575001 ,
Email: customerzone_mangalore@licindia[dot]comIVRS: 0824-1251/2411655
Address: M/s Mayfair Housing Pvt. Ltd., 9,Mayfair Meridian, Near St. Blaise Church, Caesar Road, Andheri(W), Mumbai-400058
Email: customerzone_mumbai@licindia[dot]comIVRS: 022-1251/26766221.
Address: Division Office -2,Shop No123, Om Sai Dutta,Plot No-32/A, Sector - 20,Opposite Nerul Rly Station,Nerul West, Navi Mumbai-400706
Address: Mumbai Division Office -3, First Floor ,Jeevan Bima Shopping Center, Borivli (W)Mumbai - 400103
Address: Division Office -4,Madhuram, Opp. to Satellite Br 923, Harishankar Road, Dahisar- East, Mumbai 400 068.
Address: Nilu Complex, Near Pani Tanki Chawk, Club Road, Ramna, Muzaffarpur - 842002
Email: customerzone_muzaffarpur@licindia[dot]comIVRS: 0621-2271083
Address: P.G.Krupa ,NO.2910, Ground Floor , 3rd Cross,Kantharaj Urs Road, Saraswathipuram, Mysore - 570009Email: customerzone_mysore@licindia[dot]com
Address: Andhra Insurance Building, Besides Sule High School, Near Mehadia Square, Dhantoli, Nagpur 440012
Email: customerzone_nagpur@licindia[dot]comIVRS: 0712-2454820,
Address: Shop No 1,2,3,20; Om Sai Dutta, Plot No 32/A Sector 20, Nerul(W), Navi MumbaiLIC Customer Care Email: customerzone_mumbai2@licindia[dot]com
Address: B1A/14,Sector-51Gautam Budh Nagar, Noida-201301
Address: BSFC Building,1st Floor, Near All India Radio,Fraser Road, Patna -800001E-mail: customerzone_patna@licindia[dot]com
Address: Ground Floor, Jeevan Prakash, University Road, Shivajinagar, Pune-411005,
Address: Guru Ghasidas Plaza Complex, Shop No.110 & 111,1st Floor, Amapara, G E RoadRaipur- 492001
Address: Akshar Complex, Ground floor, Opp. Patel Kanya Chhatralaya,G. K. Dholakiya school Road,Near panchayat Chowk, Uni Road,Rajkot-360005.
Address: No 5/315,Junction Main Road, Devi Chit Funds Complex, Five Roads, Salem-636004
Phone: 0427- 2440588
Address: 12-8-422/3, Mettuguda, Main Road, Secunderabad-17,
Address: Diamond Plaza, 1st Floor, (Near Bhaktinagar Check-Post), Sevoke Road,Siliguri-734101
Address: Aditya Complex,Opposite Prime Arcade,Anand Mahal Road Adajan,Surat-395009
Address: Pinak Galaxy, 1st floor, B wing, Kapur Bawdi , Opp Mc Donald, Majiwada, Thane-400607
Address: Tiruchandur road, I Floor, Palayamkottai, Tirunelveli
Address: D-72, Ist Floor, Kanchana Enclave, 7th Cross, NEE, Thillai Nagar, Trichy-620018
Address: Upper Ground FloorTrans Towers, VazhuthacaudTrivandrum-695014LIC Customer Care Email: customerzone_tvm@licindia[dot]com
|VaranasiAddress: Prem Complex, B-23/2,Chandua Satti, Opposite Bharat Mata Mandir, Sigra ,Varanasi- 221002,
Address: 263B, RTO ROAD, PHASE II, SATHUVACHARI, VELLORE.
Email: customerzone_vlr@licindia[dot]comIVRS/Phone: 1251/0416-2252202
Address: 1st Flr, D.No.59-14-2 ,Upstairs of Lakshmi Vilas Bank,Opp Mata Towers, Gayathrinagar, Benz Circle, Vijaywada - 520008,
Address: 47-14-3, Potluri Classic, 1st Floor, Main Road, Dwarakanagar, Vishakhapatnam- 530016
Address: Ist Floor, Opp Arts & Science College, Warangal-506001.Email: customerzone_warangal@licindia[dot]comIVRS: 0870-2544460
People often forget to check their Life Insurance Corporation policy status. An LIC policy is a shield against contingencies, but it is paramount to keep a regular tab on the status of your policy in order to ensure that it provides optimum returns. After all, a lapsed policy is futile. If you haven’t checked yours lately, find some time and do it today.
Now you can check your LIC statement online by sitting in your drawing room. It means there is no need to go to an LIC office and stand in a queue. Moreover, when you regularly check your policy, you also stay updated about the interim bonus and other important details. At the time of 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.
More Useful Resources
LIC Online Services