How to Check LIC Policy Status, Details, Statement via Online/SMS/Call
Life Insurance Corporation of India (LIC) offers a wide range of online services that are designed to make transactions easier and respond quickly to the needs of its diverse customers. LIC's e-services bring to you almost every functionality that was once available only through the branches.
Checking your LIC policy status from time to time is as important as buying the policy itself. In the hustle and bustle of today's life, it is too likely to miss out on premium payments and sometimes, even the grace period goes unnoticed. So, to avoid that, you should perform a timely check of your life insurance policy and stay updated about upcoming premium payments.
Earlier, one had to visit the LIC branch office or get in touch with an agent to know the status of their LIC policy. Now with the online platform of the insurer providing a plethora of services, checking the status of your policy is just a click away.
LIC also provides mobile services through which customers can know their policy or premium payment status. Make sure that you have your LIC policy number ready while making calls to customer care or while checking your status online.
Checking Your LIC Policy Status Online: A Step-by-Step Guide
Check the steps to know the LIC policy details for New Users and for Registered Users.
Checking LIC Policy Status: Steps for New Users
Mentioned below are the steps to check the LIC policy status online for new users:
Step 1 - Visit LIC's official website.
Step 2 - As a new user, click on ‘New User’ where you will be required to fill out an online registration form and choose your login credentials.
Step 3 - Upon successful registration, a confirmation mail will be sent to your registered email address. Click on the URL provided in the confirmation mail which will redirect you to a page where you can link your policy with the user account.
Step 4 - On this page, enter the details of your policy such as LIC policy number, premium amount, date of birth, etc., and click on the submit button.
Step 5 - If the information entered is error-free, then the status of the policy will be displayed instantly. In case the information entered by you is incorrect, then you will receive an error message and subsequently a reminder on your email.
Note: The incorrect policy information entered by the user will be deleted automatically after 5 days
How to Register as a New User to Check LIC Policy Status
Policy Number: You must be the owner of a valid LIC policy.
Date of Birth: The format for the DOB must be DD/MM/YYYY.
Mobile Number: To receive alerts such as LIC premium payment, policy maturity, premium due, and so on, you must provide a valid mobile number.
Instalment Premium: This represents the paid premiums without the need to enter any service tax.
Email Address: You need to provide a valid email address.
Checking LIC Policy Status: Steps for Registered Users
Users can check the details of premium payments, LIC online Payemnt group schemes, accrued bonuses, etc., by simply logging in to the LIC India website with their username and password. The below steps explain how to check your LIC policy status if you are a registered user:
Step 1 - Open the LIC India website and click on Online Services.
Step 2 - It will redirect to the login page where you should select the Registered User option
Step 3 - Now to initiate the session, you should enter your username, date of birth and password and click on Go
Step 4 - This will open up a page listing the policy tools for registered customers
Step 5 - Now from the options listed, select the option View Enrolled Policies
Step 6 - This will lead to a page which will display all the policies you have enrolled, along with enrollment date, premium amount, and vested bonuses.
Step 7 - Now you can view the status of your policy by clicking on the policy number
Check LIC Policy Status Offline (SMS & Phone)
As a quick and simple alternative to going onto the website, LIC introduced the SMS and Phone Call service to allow consumers to verify the contents of their policies. Therefore, even if you are not registered with the user portal, you can still phone and SMS LIC to inquire about the status of your policy. These services make sure that policyholders who do not have internet access are not left out of the most recent changes.
Check LIC Policy Status via SMS: Quick Steps
LIC is one of the most renowned names in the insurance space and over the years, the company has earned a reputation for its customer-centered service offerings. The SMS facility offered by LIC is one such service which is aimed at bringing more clarity in all processes and helping customers stay updated throughout the policy term.
To know the status of your policy through SMS, type ASKLIC followed by the function-specific code and send it to 9222492224 from your registered number. You can message SMS LICHELP <pol.no.> to 9222492224.
Contact LIC Customer Care to Check Policy Status
You can calculate the surrender value of your policy using this simple formula [Basic sum assured (Number of premiums paid/Total number of premiums payable) + Total bonus received] x Surrender Value Factor.
Let's take an example of LIC Jeevan Anand policy to understand the parameters involved. In this case, the surrender value is applicable after three active years of the policy and it is equal to 30% of all premiums excluding the premiums paid for the first year of the policy term along with vested bonuses. Accident benefits will also be excluded for the purpose of calculating surrender value. Bonuses are additional cash values paid at the time of the end of the tenure or in case of death.
Now let's suppose the LIC policy started in the year 2010 with a policy term of 15 years. The basic sum assured is Rs.4,00,000 with a yearly premium amount of Rs.30,192. The bonuses accumulated till now will amount to Rs.70,000. Now if the policyholder has paid only 5 premiums so, far the surrender value will be 30% (5 x 30,192) + Final Bonus in today's term.
LIC Customer Care Contact Details (Zone-Wise)
You can call the LIC customer care number +91-02268276827 in case of any query related to your query. You can avail this service in Hindi, English, and eight others regional languages.
Customers can also get in touch with the zonal or regional offices for all types of policy enquiries. Find below the customer care numbers for all the voice support centres falling under different zones of LIC.
LIC Customer Zone | Contact Details |
Agra |
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Ahmedabad |
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Amritsar |
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Bangalore |
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Bangalore II |
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Belgaum |
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Bhagalpur |
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Bhubaneshwar |
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Bhopal |
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Chandigarh |
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Chennai |
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Chennai II |
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Coimbatore |
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Cuttack |
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Delhi |
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Delhi II |
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Dhanbad |
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Dwarka |
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Dharwad |
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Ernakulam |
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Gandhinagar |
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Goa |
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Gulbarga |
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Guntur |
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Guwahati |
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Gwalior |
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Gurgaon |
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Hubli |
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Hyderabad |
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Indore |
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Jabalpur |
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Jaipur |
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Jalandhar |
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Jamshedpur |
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Jammu |
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Jodhpur |
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Kanpur |
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Karnal |
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Kolkata |
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Kolkata (S) |
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Kolkata II |
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Kottayam |
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Kozhikode |
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Lucknow |
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Howrah |
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Madurai |
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Mangalore |
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Mumbai I |
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Mumbai II |
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Mumbai III |
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Mumbai III | Address: Mumbai BKC - III, Mahanagar Telephone Nigam Ltd., Telephone Exchange Building, G-N Block, Bandra Kurla Complex, Bandra (East), Mumbai - 400098· Contact Number: +91-22-26500441 & 26500442· Email Id: custzone2_mumbai-do3@licindia.com |
Mumbai IV |
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Muzaffarpur |
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Mysore |
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Nagpur |
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Nerul |
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Noida |
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Patna |
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Pune |
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Raipur |
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Ludhiana |
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Salem |
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Secunderabad |
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Siliguri |
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Surat |
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Thane |
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Thrissur |
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Tirunelveli |
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Trichy |
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Trivandrum |
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Varanasi |
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Vellore |
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Vijayawada |
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Vishakhapatnam |
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Warangal |
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Rajkot |
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Why Should You Check LIC Policy Status Regularly
Here is why it is advised to check the details and status of LIC policies:
- You can check the status of your policy find out the specifics of your policy, including the term, sum assured, maturity date, and premium due date. You can use this information to make suitable financial plans and make sure you don't forget to pay your premiums.
- You must be informed of the current status of your policy if you wish to make any modifications, like raising the sum assured or changing the policy's term.
- You can monitor your policy's performance, including the returns it generates and any bonuses you receive, by checking the status of your policy. You can evaluate the return on your investment with the help of this information.
- You are at risk of your policy lapse and losing all of its benefits if you fail to pay your premium on time. You can also avoid missing any premium payments by staying up to date on the date of the premium due.
Informative Life Insurance Pages
FAQs on LIC Policy Status
- How can I register myself on LIC portal if I am a new user?
Registering yourself on the LIC portal is extremely easy and hassle-free. e-Services by LIC allows a new user to begin registering by choosing their own credentials first. Simply fill out the form for registration available online, along with any documents (if required) and submit. Once you have registered successfully, you will receive a confirmation message on the email ID that you have provided. In the email, you will notice a link. Click on the link and you will be taken to a webpage wherein you will be able to link your policy with your account.
- What is the online procedure for checking LIC policy status?
Policyholders can leverage the LIC website and reap maximum benefits such as extracting information related to group schemes, payment of premiums, accrued bonuses, and so on. This can be achieved by logging in with the accurate credentials. However, the steps mentioned below are for registered users only: Open the main page of LIC India and choose the option 'Online Services'. You will be automatically redirected to the login page where the option for 'Registered User' must be chosen. Further, you will be required to enter your correct credentials (username and password) and choose the option 'Go'. A webpage displaying all the policy tools (for registered users) will then pop up. Choose the option 'View Enrolled Policies' to view the list of all your existing insurance policies. Along with the 'Enrolled Policies', you will also be able to view details such as premium amount, enrollment date, vested bonuses, and so on. By clicking on the relevant policy number, you can view the current status of your policy.
- Can I check the status of my policy despite not having registered online?
Individuals who have not registered on the website of LIC can still check their policy statuses in a jiffy. By means of the SMS and phone call service, you are just one step away from knowing the status of your policy.
- How do I check the status of my policy through the SMS facility?
In order to know the policy status through the SMS facility, simply type in ASKLIC, then the function specific code and send it across to 9222492224.
- How do I check my LIC policy status with the help of the customer care?
In order to get information about the policy status, you can simply call the customer care officials on the number +91-02268276827.
- Should I check the status of my LIC policy regularly?
To reduce the chances of a policy lapse, it is recommended to check the LIC policy status regularly.
- Do I have to pay any charges to check the status of my LIC policy?
No, you do not have to pay any charges to check the status of your LIC policy. However, depending on your provider, you may have to pay SMS charges.
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