How to Check LIC Policy Status Online?

 

If you want to know “How to Check LIC Policy Status Without Registration”? It is important to check the LIC policy status details to ensure that your policy remains active. But what if you haven't registered for an online account? There's no need to worry as you can still check the status of your LIC policy without online registration. By alternative methods such as SMS services, Customer Care helplines, or visiting the nearest LIC branch, policyholders can easily inquire about their policy's status. 

 

How to Check LIC Policy Status Without Registration?

Checking the LIC policy status is now easier than ever, by IVR, SMS, and calling customer service. These user-friendly options eliminate the need for registration, making it easier to check LIC policy status without registration. Whether you prefer the convenience of a phone call, the simplicity of an SMS, or the interactive IVR, you can access your policy information with minimal effort.

 

How to Check LIC Policy Status Details with Policy Number via IVR?

To check LIC policy status details with policy number via IVR, below we have mentioned the simple easy steps.

• Dial the LIC customer care IVR number “1251”.

• Once connected, listen to the IVR options carefully and select the appropriate option for policy-related queries. It may be something like "Press 1 for policy-related services."

• Next, you need to enter your LIC policy number using the phone keypad. Enter the policy number accurately. If you are not sure about the policy number, you can find it on your policy documents or premium receipts.

• After entering the policy number, wait for the IVR system to authenticate the policy details. This may take a few moments, so be patient.

• Once the policy is successfully authenticated, the IVR system will provide you with the relevant LIC policy status details. This may include information like the policy's current status, premium due date, accumulated bonuses, maturity details, and more.

 

How to Check LIC Policy Status Details via SMS?

To check LIC policy status details via SMS, below we have mentioned the simple easy steps that you can follow to check LIC policy status details very easily.

• Open the messaging app on your mobile phone, and create a new message. In the message body, type 'ASKLIC' followed by a space, and enter your LIC policy number after the space.

• Now, add a specific code based on the information you want to receive. Some commonly used codes include 'STAT' for policy status, 'PLI' for premium due dates,  'BONUS' for bonus details, and 'REV' for revival amount.

• Once you have added the code, send the SMS to the phone number “56767877”.

• Shortly after sending the SMS, you will receive a reply with the desired information regarding your LIC policy status, details, or statements.

 

How to Check LIC Policy Status Details by Calling LIC's Customer Service?

To check LIC policy status details via calling LIC’s customer service, below, we have mentioned the simple easy steps.

• Go to the LIC India contact page to find the customer service contact number.

• Dial the number and carefully follow the instructions for speaking with the customer care person.

• Be ready to provide your policy number, full name, date of birth, and any other requested information to verify your identity.

• There are some basic details that customer care can ask like your policy number, full name, date of birth, and E-mail ID.

• Now, the LIC customer service representative will give you all the information you want such as your LIC policy status, premium due dates, and any other relevant information.

 

How to Check LIC Policy Status with Policy Number?

It is now easier than ever, to check LIC policy status details with policy number on LIC official website for both new and registered users. 

For New Users

Step 1: Go to visit the licindia.in, then click on “Login to Customer Portal”.

 

Step 2: Then click on “Sign-UP” and your form will be open.

 

Step 3: In the form, fill up your policy number, installment premium (without tax), email, phone number, and date of birth.

Step 4: After filling the form, click on proceed then click “YES”.

Step 5: Now, check your email and verify it.

Step 6: Once you're registered, you can verify LIC policy status by policy number.

 

Note: In case of incomplete registration, you can complete the registration by using the Forgot Password option.

 

Do you need any assistance to solve your policy queries? Book a call to “Ask From Our Expert”

For Registered Users

Step 1: Go to licindia.in and click on “Login to Customer Portal”.

 

Step 2: On the login page, fill up your “Username” and “Password” or you can use the “OTP” option to log in via mobile number and date of birth. 

 

Step 3: After a successful login, select the ‘View Enrolled Policies’ option.

Step 4: A page will redirect you to where you can view your enrolled policies.

Step 5: Then select a policy of your choice that you want to check the details of.

Step 6: Now, you can view your LIC policy details and statements online.
 

How to Check LIC Policy Status Details If I Have Lost my Policy Documents?

Losing your LIC policy document can be a stressful experience, but there are steps that you can use to check your LIC policy status even without the physical documents. 

Conduct a Thorough Search

 Begin by conducting an extensive search in your residence, among your financial papers, at your workplace, or with the agent who may have handled the policy. It's essential to rule out the possibility of misplacement before proceeding with further steps.

Check for Pledge or Assignment

If you've availed a loan against your LIC policy, the document may be held by LIC or another financial institution involved in the transaction. Confirm with both entities to ensure the safety of your policy document, saving you the effort of searching for lost papers.

Apply for Duplicate Policy

If the policy document remains untraceable, you can initiate the process of obtaining a duplicate policy. Follow the below steps.

1. Lodge a Police Complaint: File a police complaint regarding the loss of your policy document. This complaint serves as crucial evidence of the loss.

2. Submit an Application: Visit the LIC branch that services your policy and submit an application detailing the loss. Request the issuance of a duplicate policy in its place.

3. Provide Necessary Documents: Prepare the required documents, including a copy of the police complaint, a notarized indemnity document, and an affidavit describing the circumstances leading to the loss of the policy document.

4. Pay the Fees: Be prepared to pay the requisite fees for the issuance of the duplicate policy.

5. Follow-Up: Stay proactive in following up with the branch to track the progress of your application and the subsequent issuance of the duplicate policy.

 

Why Do We Need to Check LIC Policy Status Details?

It is an important habit to check LIC policy status details to ensure your financial planning is on track. Below are several reasons why it's crucial to check LIC policy status regularly.

1. Premium Payment Monitoring: Regularly checking LIC policy status allows you to keep track of premium payments, ensuring that they are paid on time. It helps avoid the risk of a policy lapse due to non-payment, which could leave your beneficiaries without coverage when it is most needed.

2. Confirmation of Policy Details: When you check LIC policy status details, you can confirm that all the details of your policy are correct, such as the policy term, sum assured, and nominee information. 

3. Updated Contact Information: It is essential to keep your contact information up to date with LIC. Checking LIC policy status details can remind you to update your details like address, phone number, and email. This step ensures that you receive all communication regarding policy notices, maturity reminders, and other important information.

4. Tracking Loan Against Policy: If you have taken a loan against your LIC policy, checking LIC policy status details can help you monitor the loan balance.

5. Keeping Track of Bonuses and Benefits: LIC policies that participate in the company's profits are eligible for bonuses or dividends. Checking LIC policy status details allows you to know the accrued bonuses to date, which can affect the policy's maturity value or the death benefit paid out.

6. Planning Financial Goals: Understanding the current LIC policy status helps you in planning your long-term financial goals. For example, if your policy is close to maturity, knowing the exact status will help you plan for the maturity proceeds.

7. Claim Settlement Preparedness: By regularly checking the LIC policy status of your policy, you ensure that all the details are clear and updated, which makes the claim settlement process smoother for your nominees in case of an unfortunate event.

8. Tax Planning: Premiums paid towards LIC policies are generally eligible for tax benefits under Section 80C of the Indian Income Tax Act. It will help you to check LIC policy status details to track the premiums paid and assist in tax planning activities.

9. Peace of Mind: Knowing that your LIC policy is active and in good standing provides peace of mind that your financial protection is in place as intended. Regular checks can help address any concerns immediately and relieve stress regarding your insurance coverage.

 

Things to Consider When Want to Check LIC Policy Status Details Online

When wanting to check LIC policy status details online, there are a few important things to consider that we have mentioned below.

1. Official LIC Website: Make sure you are visiting the official website of the LIC to access accurate and reliable information about your policy. Beware of phishing websites or scams that may attempt to trick you into providing personal information.

2. User Registration: Register yourself as a user on the LIC website by creating a username and password. This will provide you with access to the online services and policy information.

3. Policy Details: Gather all the necessary details of your LIC policy, such as the policy number, premium amount, and policy term. This information is typically mentioned in your policy documents or premium payment receipts.

4. Online Policy Services: Familiarize yourself with the various online services provided by LIC, such as checking policy details, checking premium payment history, loan status, bonus information, revival options, etc. 

5. E-Services Section: Navigate to the 'E-Services' section on the LIC website, usually found in the main menu or a prominent location on the homepage. This section will allow you to access policy-related services and information.

6. Policy Details Access: Choose the appropriate option to access your policy details, such as providing your policy number or logging in with your registered user credentials. Follow the instructions carefully to retrieve the desired information.

7. Secure Connection: Ensure that you are accessing the LIC website using a secure internet connection, preferably a personal or trusted network. Avoid using public Wi-Fi networks to prevent unauthorized access to your personal information.

8. Privacy and Security: Pay attention to the privacy and security features provided by the LIC website. Verify if the website uses secured protocols (HTTPS) and encryption to protect your data. 

9. Contact LIC Customer Support: If you encounter any difficulties or have further inquiries regarding your policy, reach out to the LIC customer support team. They can provide guidance and assistance in retrieving accurate policy status details.

 

Conclusion

In conclusion, checking the LIC policy status online is a convenient and efficient way for policyholders to stay updated and informed about their insurance policies. By following the simple steps, individuals can easily access their policy information, including premium payment details, policy terms, and maturity dates. 

The LIC online platform provides a user-friendly interface that allows policyholders to navigate through their policy records with ease. Additionally, the availability of online premium payment options ensures a hassle-free experience.

 

FAQs

Can I make a call from any place in the country?

Yes. To check the status of your LIC insurance, dial the IVRS number from any location in India. You can contact the department directly and get the details you require if you require specific information about a branch or a city.

 

Are there any services that are unique to a LIC policy?

No. Any LIC policyholder is eligible for the service. You can determine the status or other information related to your policy as long as you know the policy details.

 

Is there a limit to how many times I can check the status of my policy?

You have unlimited access to check the status of your LIC policy. There is no limit to the number of checks you can perform.

 

How can I update my address online?

Log in to your LIC online account and navigate to the "Update Contact Details" or a similar section. Follow the instructions to update your address.

 

How can I register myself on the LIC portal if I am a new user?

Visit the LIC website, click on the 'New User' option, and follow the registration process by providing the necessary details for account creation.

 

What is the online procedure for checking LIC policy status?

Log in to your LIC account, navigate to the policy status section, and enter your policy details to access real-time information on your policy status.

 

Can I check the status of my policy despite not having registered online?

Yes, you can check policy status without registration. Use the 'Policy Status' option on the LIC website, enter details, and retrieve the information.

 

How do I check the status of my policy through the SMS facility?

SMS "ASKLIC " to 9222492224 to receive policy status details. Ensure the message is sent from the registered mobile number.

 

How do I check my LIC policy status with the help of customer care?

Dial the LIC customer care number, provide your policy details, and the customer care representative will assist you in checking your policy status.

 

What does the” lapsed” status mean in LIC policies?

A policy is labeled "lapsed" if premium payments are overdue. To reinstate, pay outstanding premiums, and follow the revival process outlined by LIC.

 

What does the In force status mean in LIC policies?

"In force" status indicates an active and valid policy with timely premium payments. Your policy is current and provides coverage as per the terms.

 

Can the LIC policy status be updated online?

Yes, log in to your LIC account, navigate to the policy details section, and update policy status information online for seamless record keeping.

 

Are there any charges to avail of LIC Policy status?

No, checking LIC policy status online or through other available channels is typically free of charge. LIC doesn't levy fees for accessing this information.