LIC of India Policy Status

Often amidst our busy lifestyles, we tend to forget many important things. If one doesn't monitor the LIC policy status from time to time, it is highly likely that they might miss out on premium payments. To avoid such mishaps, one should perform timely checks of their life insurance policies and stay updated about all upcoming premium payments. Earlier, a visit to the nearest LIC branch/office or a conversation with an agent were the only ways to know the status of the LIC policy. However, nowadays insurers have their online platforms that provide a plethora of services and thus checking the policy status is just a click away. In addition to this, LIC also provides mobile services for the same purpose.

Checking the LIC Policy Status Online

LIC offers myriad online services to ensure smooth transactions and to attend to the concerns of its customers promptly. LIC’s e-services provide almost every service and function that was once available solely through the branches. The state-run insurer provides the facility for checking policy related information through their website. Thus, users can easily stay updated about their payments and other important events. LIC offers several methods of checking the LIC policy status online. First and foremost, policyholders have to register by creating a user account and adding all the details pertaining to the policy in order to view the status.

Registration Process for New Users

All first-time users must follow this procedure to register themselves on the LIC web portal.

• Go to the LIC home page.

• Fill out the online registration form

• Choose your login credentials.

• A confirmation email, containing an activation URL, will be sent to the registered email address upon successful registration.

• Click on the activation URL provided to link your policy with your user account.

• Enter the policy details, such as policy number, name, premium amount, date of birth, etc., and then click on 'submit'.

• If the information entered is correct, the status of the policy will be displayed instantly.

In case incorrect policy information is entered by the user, an error message will be displayed. Subsequently, the erroneous information will be deleted automatically after five days.

Procedure to Check Policy Status Online

Registered users can check the policy details, such as information pertaining to premium payments, accrued bonuses, group schemes, etc., by logging in to the LIC India web portal with their login credentials. The following steps can guide registered users through the process:

• Visit the LIC India website

• Click on 'Online Services' option on the homepage

• You will be redirected to the LIC login page

• Select the 'Registered User' option

• Enter your username and password to initiate the session

• A page will load with a list of the policy tools

• Select the 'View Enrolled Policies' from the list

• Another page which open, displaying all the policies you have enrolled. Information such as the enrollment date, premium amount, and vested bonuses will also be displayed along with the policy numbers.

• Click on the policy numbers to view the status of the policy.

Checking the LIC Policy Status without Online Registration

LIC has launched the SMS and Phone Call service to offer their customers a quick and convenient way to check their policy details. It doesn't require logging into the LIC web portal. If you are not registered with the LIC user portal, you can still know the status of the policy through the SMS and call facility provided by LIC. Therefore, policyholders who do not have access to the internet do can also get the latest updates this way.

LIC Policy Status Check Through SMS

LIC, being one of the most renowned insurers in India, has earned a reputation for offering a customer-centered service. The SMS facility is one such service which aims to bring more clarity in all processes. It helps customers in staying updated throughout the policy term. In order to use this facility, users must first type ASKLIC followed by the function-specific code and send it as an SMS to 56767877 from the registered phone number. Here are the SMS codes:

• For installment premium, type: ASKLIC PREMIUM

• For revival amount, type: ASKLIC REVIVAL

• To know bonus additions, type: ASKLIC BONUS

• To know the amount of loan available, type: ASKLIC LOAN

• For nomination details, type: ASKLIC NOM

For Pension policies, users must use these codes instead:

• For IPP policy status, type: ASKLIC STAT

• For existence certificate due, type: ASKLIC ECDUE

• Last annuity release date, type: ASKLIC ANNPD

• Annuity amount, type: ASKLIC AMOUNT

• Cheque return information, type: ASKLIC CHQRET

LIC Policy Status Check by Calling Customer Care

LIC provides a 24x7 IVRS facility for their customers. This helpline provides instant updates on insurance policies and allows customers to seek all policy-related information by simply providing their policy number. Customers can call on the following LIC helpline numbers to seek the assistance of the customer care executives:

• MTNL and BSNL landline users can dial 12151 directly

• All other landlines and mobile users can dial the same number with the respective city code.

Moreover, customers can also approach the zonal or regional offices for all kinds of policy inquiries. Regional offices are divided into eight zones - Central, Eastern, East-Central, Northern, North-Central, Southern, South-Central, and Western. Here are the customer care numbers for the voice support centers under the aforementioned zones.

Central Zone

City	Contact Number
Bhopal	0755-2676254
Bilaspur	07752-2203732
Gwalior	0751-2448606
Indore	0731-2523513
Jabalpur	0761-2671079
Raipur	0771-2583062
Satna	07672-228100
Shahdol	07652-248469

Eastern Zone

City	Contact Number
Asanol	0341-2256012
Berhampur	0680-2296390
Bhagalpur	06412-2322016
Bhubaneswar	0674-2303140
Cuttack	0671-2307857
Hazaribagh	06546-272611
Jamshedpur	0657-2320564
Muzaffarpur	0621-223904
Patna	0612-2204067
Sambalpur	0663-2541388
Begusarai	0624-3245265
Bongaigaon	03664-228281
Guwahati	0361-2638404
Howrah	033-22434614
Jalpaiguri	03561-255443
Jorhat	0376-2361613
Kharagpur	03222-253302
KMDO-I	033-22126122
KMDO-II	033-23970025
KSDO	033-23342708
Silchar	03842-241716

North-Central Zone

City	Contact Number
Aligarh	0571-2420066
Allahabad	0532-2401854
Bareilly	0581-2301712
Dehradun	0135-2668231
Faizabad	5278-244261
Gorakhpur	0551-2230322
Haldwani	05946-267886
Kanpur	0512-2368546
Lucknow	0522-2624214
Meerut	0121-2671201
Varanasi	0542 2454420

Northern Zone

City	Contact Number
Ajmer	0145-2661878
Amritsar	0183-2556658
Bikaner	0151-2225920
Chandigarh	0172-2784620
Delhi-I	011-28844132
Delhi-II	011-28822223
Delhi-III	011-28855115
Jaipur-II	0141-2713708
Jaipur-I	0141-2745834
Jalandhar	0181-2459826
Jodhpur	0291-2657849
Karnal	0184-2266580
Ludhiana	0161-2521838
Rohtak	1262-228328
Shimla	0177-2629212
Srinagar	0191-2475839
Udaipur	0294-2488581

South-Central Zone

City	Contact Number
Bangalore I	080-22966515
Bangalore II	080-22966812
Belgaum	0831-2438808
Dharwad	0836-2441968
Hyderabad	040-23420771
Kadapa	08562-247017
Karimnagar	0878-2240597
Machilipatnam	08672-223372
Mysore	0821-2495764
Nellore	0861-2323072
Raichur	08532-232432
Rajahmundry	0883-2423832
Secunderabad	040-27665039
Shimoga	08182-251320
Udupi	0820-2536907
Vizag	0891-2533211
Warangal	0870-2579364

Southern Zone

City	Contact Number
Chennai 2	044-23451551
Coimbatore	0422-2303503
Ernakulam	0484-2361938
Kottayam	0481-2580121 / 0481-2580102
Kozhikode	0495-2728746
Madurai	0452-2537778
Salem	0427-2411487
Thanjavur	04362-233678
Thrissur
Tirunelveli	0462-2560925
Trivandrum	0471-2540932

Western Zone

City	Contact Number
Ahmedabad	079-25511419
Amravati	0721-2660145
Aurangabad	0240-2329299
Bhavnagar	0278-2421963
Gandhinagar	079-232-38250
Goa	0832-2438418
Kolhapur	0231-2661135
Mumbai-1	022-22028225 / 022-66599066
Mumbai-2	022-24010375 / 022-30492020
Mumbai-3	022-67819220
Mumbai-4	022-66599233
Mumbai-SSS	022-26267050
Nadiad	0268-2532134
Nagpur	0712-2546436
Nanded	02462-221777
Nashik	0253-2317607
Pune-1	020-25512969
Pune-2	020-24217638
Rajkot	0281-2483210
Satara	02162-224708
Surat	0261-2801407
Thane	022-25829702 / 022-25827728
Vadodara	0265-2225188

Checking the Surrender Value of LIC Policies

Users can calculate the surrender value of their policies using a simple formula:

Surrender Value Factor x [Basic sum assured (No. of premiums paid/Total no. of premiums payable) + Total bonus received]

Let us follow a simple example to understand the parameters involved. Let's consider an LIC Jeevan Anand policy with surrender value applicable after three active years. The surrender value is equal to 30% of all premiums, excluding the ones paid in the first year of the policy term with vested bonuses. Accident benefits are also excluded from calculating the surrender value. Bonuses are considered as additional cash values that are paid at the end of policy the tenure or in case of the policyholder's death.

Now let us assume that the LIC policy started in 2010 with a 15 years term. The sum assured is Rs.4,00,000 and the yearly premium amount is Rs.30,192. If the policyholder has made just five premiums so far, then the surrender value will be:

30% x (5 x 30,192) + Final Bonus in today’s term.

FAQs

How can do new users register on LIC portal?

All first-time users must follow this procedure to register themselves on the LIC web portal.

• Go to the LIC home page.

• Fill out the online registration form

• Choose your login credentials.

• A confirmation email, containing an activation URL, will be sent to the registered email address upon successful registration.

• Click on the activation URL provided to link your policy with your user account.

What is the procedure for checking LIC policy status online?

Policyholders can use the LIC website to check the policy status online. Registered users can check the policy details, such as information pertaining to premium payments, accrued bonuses, group schemes, etc., by logging in to the LIC India web portal with their login credentials and following these steps:

• Visit the LIC India website

• Click on 'Online Services' option on the homepage

• You will be redirected to the LIC login page

• Select the 'Registered User' option

• Enter your username and password to initiate the session

• A page will load with a list of the policy tools

• Select the 'View Enrolled Policies' from the list

• Another page which open, displaying all the policies you have enrolled. Information such as the enrollment date, premium amount, and vested bonuses will also be displayed along with the policy numbers.

• Click on the relevant policy number to view the status of the policy.

How to check the status of an LIC policy without registering online?

People who have not registered on the LIC website can check their policy status either through SMS or by calling the LIC customer care

How to check the LIC policy status through the SMS facility?

In order to check the policy status using the SMS facility, simply type the respective code and send it to 56767877. The SMS codes are:

• For installment premium, type: ASKLIC PREMIUM

• For revival amount, type: ASKLIC REVIVAL

• To know bonus additions, type: ASKLIC BONUS

• For nomination details, type: ASKLIC NOM

How to check the LIC policy status with the help of customer care?

Users can directly dial 12151 from BSNL and MTNL landlines and dial the same number with their city codes from other landlines and mobile numbers in order to get information about their policy status.