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LIC Policy Status Check: Easy Steps To Check Status Of LIC Policy

The Life Insurance Corporation of India was established in the year 1956 and up until the year 2000 LIC enjoyed a monopoly position in the life insurance segment. Even today, when there are more than 20 life insurance companies in the market LIC continues to have the largest market share. LIC India has a huge customer base which trusts the company and invests in different types of life insurance plans offered by LIC.

When it comes to the range of products offered, LIC India offers the following types of insurance plans:

  1. Term insurance plans
  2. Whole life insurance plans
  3. Endowment plans
  4. Money-back plans
  5. Child plans
  6. Pension plans
  7. Unit linked insurance plans
  8. Health insurance plans

You can buy any plan as per your suitability. To buy the plan, you are required to fill up a proposal form with your relevant information and submit the form with your documents. The first instalment premium would also have to be paid when the proposal form is submitted.

Once the form is submitted, LIC underwrites your risk and then issues you your insurance policy. After your LIC policy is issued, you might want to check your policy details. Even when you are an existing customer, you might want to check the status of your policy to check the term left, the surrender value, the bonus earned so far (if any) and any other relevant details of your policy.

Checking your LIC India policy’s status can be done without visiting LIC’s branch offices. LIC allows its customers with easy ways to check the status of their policy. The status of a LIC policy can be checked in any of the following ways:

  • Online
  • Through an SMS
  • By calling the customer care number of the company

Checking your LIC’s policy status online is, by far, the easiest and the most convenient method. You can check the status from your computer or Smartphone right from the comfort of your home or office and even on the go.

Enrolling LIC India policy online:

To check the policy status online, you would, first, have to enrol your LIC policy on the online portal of the company. Here is the step-by-step guide on how you can enrol your LIC policy online –

Steps to enrol LIC policy for first-time/new users:

If you are a new customer of LIC and/or have not registered yourself for LIC’s online services, you are a new user. As a new user, first, you would have to create your LIC account and then you would be able to enrol your LIC policy. So, for creating your LIC account and enrolling your policy status, here are the steps:

In order to check the LIC policy status, you would have to register yourself on the LIC portal for online services. You need to follow the steps that are given below. However, before you begin the registration, it is recommended that you keep handy the following information:

  • The policy number of the policy you wish to inquire about
  • Detail of premiums that have been paid so far
  • Scanned image of the policyholder’s Passport or PAN Card or Aadhaar Card ( .jpg or .jpeg format with a file size of less than 100 kb)

Once you are prepared, you need to pursue the given steps:

  1. Step 1: Get the registration
    Visit LIC India’s website https://www.licindia.in/ and click on “New User”. Once you do that, you would have to fill in a user-id and create a password. You will be asked to provide all the required information. You will be sent a verification email to complete your registration process. Click the verification link and your account would be created. You will now be a registered portal user.
  1. Step 2: Print and fill up the form
    Post registration, you now need to make use of the e-services. Once you click the
    “E-services” tab on the home page, you would have to log into your account using your user ID and password. You would get an online services enrolment form to register your policies. Print the form, fill it up and sign it. You would now have to upload it on the portal along with a scanned image of your passport, PAN Card, or Aadhaar Card.
  1. Step 3: Use the services.
    The verification process generally takes up to 3 business days. Once the verification is done by the LIC, you will receive an e-mail of acknowledgement or/ and an SMS will be sent to your registered mobile number. You will now be able to use the LIC e-services by logging in using your user id. You would now have to click on the option of ‘Basic Services’ “Add Policy” to add your remaining policies, if any. 

Steps to enrol for registered users:

Once you have your user id and password, you can log in as a “registered user” by following these steps:

  1. Step 1:Visit https://www.licindia.in/ and choose ‘Customer Portal’
  2. Step 2:
    Choose ‘Registered User’ and provide your user ID and password to log into your online LIC account
  3. Step 3:Along with your user ID and password, you would also have to provide your date of birth in DD/MM/YYYY format.
  4. Step 4:
    You can then select ‘Sign In’ to log into your LIC account
  5. Step 5:Once you enter your account, choose ‘Do you have LIC policies’ and answer ‘Yes’
  6. Step 6:
    You would get an online enrolment form
  7. Step 7:Fill up the form, take its printout, put your signature on the form and deposit the form at the nearest LIC branch office.
  8. Step 8:The company would then verify the enrolment form and enrol your LIC policy online.

How to enrol on your LIC policy?

For the Enrolment of an Individual policyholder, you need to visit the LIC portal or click here. Then follow the steps given below:

  • Step 1: Fill in the Enrolment Form
    After you complete the ‘Registration’ process, you will get an online LIC enrolment form for Individual Policy Holders. As you can see, in the form you will have to fill up the fields such as
    • Policy number
    • Premium
    • Date of birth
    • Mobile number
    • Passport number
    • PAN details
    • Gender
    • Mobile number with country code.

Step 2: Verify the process
Once completed, you need to click on “Proceed”. You will soon receive an email to re-check the details via the link sent to you. You can click on “Okay” if the details are correct. On the home page, you would have to fill in your user ID and password. You can log in through Login Page with your details. An auto-reply e-mail would be sent to the policyholder to confirm the registration.

Things to remember when checking LIC policy details online 

When you are a new customer and are creating your user ID and password for the first time, here are some things which you should keep in mind –

  • Your policy number would be required. Therefore, you should keep the details of your LIC policy handy
  • You have the flexibility of choosing any user ID which you want. Your user ID can be alphabetical, numerical and it can have characters like a dot or an underscore
  • The length of your password should be between 8 and 30 characters. Set a password which you would be able to remember easily. Your password should be unique and kept confidential to prevent any fraudulent activities in your account
  • The details which are marked with an asterix (*) are mandatory. You would have to provide such details to proceed further and register or log into your account
  • Your area PIN Code should be a 6-digit number
  • The email ID which you provide when signing up should be valid so that it can be used for any type of communication later on
  • Your user ID should be unique. If it matches an existing ID you would be informed and you would have to choose a unique ID for your account

How to check the status of LIC policy details online?

To check the status of your LIC policy, the steps are as follows –

  • Visit https://ebiz.licindia.in/D2CPM/#Login
  • Log into your LIC online account with your registered user id and password and date of birth
  • Choose the LIC policy number whose status you want to check
  • As you select the policy, the policy details page will open which would show the status of your LIC policy.

How to check the status of LIC policy through SMS?

LIC also allows you to check the status and other policy details through a simple SMS. You have to SMS from your registered mobile number and you get the answer through revert SMS on the same phone. The SMS should be sent to 9222492224 with the following texts –

Policy querySMS to be sent
To know about the instalment premium payable under your LIC policyASKLIC<Policy number>PREMIUM
To know about availing policy loanASKLIC<Policy number>LOAN
To know about the current bonus rate and the vested bonuses in the planASKLIC<Policy number>BONUS
To revive a lapsed policy and to know about the revivalASKLIC<Policy number>REVIVAL
To check your existing nominee detailsASKLIC<Policy number>NOMINATION

How to check LIC pension policy status via SMS?

In order to check your LIC policy status, you can SMS the following:-

Enquiry TypeDescription Enquiry Code
To know about IPP Policy StatusIPP Policy status refers to Individual Policy Plan StatusTo enquire, type ASKLIC<Policy Number>STAT and send to 56767877
To enquire about the Annuity Amount Annuity amount refers to the series of sum paid at the equally differentiated time.To enquire, type ASKLIC<Policy Number>AMOUNT and send it to 56767877
To get the Last Annuity Released DateIt refers to the date when the annuitant releases the payment from an annuity.To enquire, type ASKLIC<Policy Number>ANNPD and send it to 56767877
To Check the Existence Certificate DueAn existence certificate helps in certifying the existence of an individual.To enquire, type ASKLIC<Policy Number>ECDUE and send it to 56767877
To get the Cheque Return InformationCheque return information is required in case of insufficient balance in the drawer’s accountTo enquire, type ASKLIC<Policy Number>CHQRET and send to 56767877

How to check policy status through customer care?

LIC has dedicated customer zones which help you with any type of LIC policy query that you have. The customer zones are active from Monday to Saturday and provide personalised assistance for all your insurance-related queries, information, service requests, etc.

There are different customer zones for different cities. Here are the contact details of the customer zones of the top cities –

CityBranch Office AddressPhone NumberIVRS Number
AgraJeevan PrakashSanjay Place, M. G. Road,P. B. No. 1022,Agra-2820020562-2524912
AhmedabadMaruti Complex, Subhash Chowk,Gurukul Road, Memnagar,Ahmedabad- 380052079-27456848
AmritsarC/O Sainik Bhawan,Opp. G.P.O., Court Road,Amritsar, Punjab0183-2560673
Bangalore-INo.202, 39th A Cross, 9th Main Road,5th Block, Jayanagar,Bangalore- 560041080-22966528/22966553080-26659230
Bangalore-IINo. 817, Girija Complex,1st Floor, 8th Block (Opposite Police Station)80 Feet Road, Koramangala, Bangalore – 560095080-22966836/896
BelgaumAditya Arcade, Opposite Hotel Ramdev, Nehru Nagar,Belgaum-5900100831-2438856/2438857
BhagalpurMani Complex, Gautam Budha Colony, Jail Road, Tilkamanjhi,Bhagalpur-8120010641-2610011/2610033/26100990641-2610024
BhubaneshwarPlot No-654, Cuttack- Puri Road, Bomikhal,Bhubaneswar -7510060674-2573910/110674-2573996
BhopalMF: 19 & 20, Mansarovar Complex,Block-B, Mezzanine Floor,Bhopal- 4620160755-2550242
ChandigarhS.C.O 107, Sector 47-Chandigarh- 1600470172-2678107
Chennai-IChennai-DO-1, LIC Building, No.153, Anna Salai, Chennai-600002044-28611912/28611642044-28884300
Chennai-IIOriental Insurance Building,47, Armenian Street Chennai- 600001044-25331915
CoimbatoreRed Rose Chambers-1437, Trichy Road, Coimbatore-641 0180422-2300300
CuttackH/O-Mr. Sidhartha Das, Kanika Chhak, Tulsipur, (Upper floor of State Bank of Hyderabad), Cuttack -7530080671-2307883/23078890671-2307085
Delhi-IH-39, New Asiatic Building,Connaught Place, New Delhi-1100011800112552/011-23310868
Delhi-IIG-2/B-15, LSC, Mayur Vihar Ph-2,Delhi-110091011-22785930
Dwarka1st Floor, Sudeep Plaza, Plot No-3, Sector-11, Dwarka, New Delhi-110075011-28042585
Dhanbad1st Floor, Sri Ram City, Saraidhela, Dhanbad-8281270326-2225344/22253450326-2222725
Ernakulam28/295, SA Road, Panampilly Nagar, Ernakulam-6820360484-2383883
GandhinagarShop No: 104-105, Hotel Haveli Arcade – 1st Floor,Sector -11, Gandhi Nagar079-23240083/23240383
GoaInnam Complex, Shop No. 1/2/3,Opposite Don Bosco School,Panaji, Goa-4030010832-2490100
GulbargaNo. 3-218/219, Rukmini Chambers,Behind Super Market, Ghazipur,Gulbarga-58510108472-23303008472-243035
GunturD. No. 12-21-58, Above SBI,Gouri Shankar Theatre Road, Kothapet, Guntur-5220010863-2211476/22115620863-2222772
GuwahatiTriveni Complex, Bhangagarh,G.S. Road, Guwahati -7810050361-2450389
GwaliorMadan Tower, Sanatan Dharm Mandir Road, Inderganj, Gwalior (M.P.)0751-2630272
GurugramSCO-60, 1st Floor, District Centre near More Outlet,Sector-56, Gurgaon Haryana-1220110124-2576060/2578060/2570060
HubliDr. Bekinalkar Complex, Opp. Samyukta, Karnataka Press, Koppikar Road, Hubli-580020 (Dharwad District)0836-2264333/22642330836-2255073
Howrah6/5, G.T.Road (South) near Howrah Maidan-711101033-26374387
HyderabadD.No. 6-3-1090/C/4, Hosanna Towers 1st Floor, Rajbhavan Road, Somajiguda (above Andhra Bank), Hyderabad-500082040-23420730/23420740/23420761040-23437997
Indore15/2, Race Course Road, LG-5, Darshan Mall Opp. IDA Building, Indore-4520030731-2533523
JabalpurBadshah Plaza, 1187-Pandit Bhawani Prasad Tiwari Ward opposite Old G.S.College, Wright Town, Jabalpur-4820020761-2407283
Jaipur303-304, Trimurty Krishna Enclave,SB-52,Tonk Road, Bapu Nagar Jaipur-3020150141-2702845
JalandharS.CO. No.-3, Chhoti Baradari, Crystal Plaza, Garha Road, Jalandhar-1440220181-24809670181-2480918
JamshedpurGanpati Complex near Ram Lila Maidan, Kashidih, Sakchi, Jamshedpur-8310010657-2443228/24432290657-2320600
JammuPlot No. 62, Sector-8, Trikuta Nagar, Jammu-1800120191-24797910191-2479717
JodhpurUmmaid Hospital Road, Shanicharji Ka Than, Jodhpur0291-2657117/26350760291-2620079
KanpurJeevan Vikas, 16/98, MG Marg, Mall Road, Kanpur-2080010512-2307443
KarnalSector-12, near Petrol Pump, Karnal0184-2266024/1842208400
KolkataGround Floor, Hindusthan Building, 4 CR Avenue, Kolkata-700072033-22124172/176033-22545454
Kolkata (Sub)Jeevan Prabha, DD-5, Sector-1, Salt Lake City, Kolkata-700064033-23370642
Kolkata-II166B, SP Mukherjee Road, Merlin Link, 1st Floor, Kolkata-700026033-24198476
Kottayam1st Floor, Kannampurath Buildings opposite BSNL Bhavan, MC Road, Kottayam-6860010481-2307422/11
Kozhikode1st Floor, Mas Arcade, Vaikkom Muhammed Basheer Road, Kozhikkode-6730010495-2725581/583
LucknowShop No.-9/10, Jeevan Bhavan-1 (Ground Floor), 43-Hazaratganj, Lucknow-2260010522-2614782
Ludhiana801/21, Loomba Street, Civil Lines near Dandi Swami Mandir, Ludhiana-1410010161-2424074
Madurai79 TPK Road, Ramalinga Complex, Andalpuram, Madurai-6250030452-2370361
MangaloreIdeal Tower, 1st Floor opposite Sharavu Temple, GT Road, Mangalore-5750010824-24262550824-2411655
Mumbai-IM/s Mayfair Housing Pvt. Ltd., 9 Mayfair Meridian near St. Blaise Church, Caesar Road, Andheri (W), Mumbai-400058022-26788943022-26766221
Mumbai-IIShop-123, Om Sai Dutta, Plot-32/A, Sector-20 opposite Nerul Railway Station, Nerul West, Navi Mumbai-400706,022-27725968/27723592
Mumbai-III1st Floor, Jeevan Bima Shopping Center, Borivli (W), Mumbai-400103022-28912605/28913760
Mumbai-IVMadhuram opposite to Satellite Br 923, Harishankar Road, Dahisar- East,Mumbai-400068022-28482907
MuzaffarpurNilu Complex near Pani Tanki Chawk, Club Road, Ramna , Muzaffarpur-8420020621-22810230621-2271083
MysorePG Krupa, 2910-Ground Floor, 3rd Cross, Kantharaj URS Road, Saraswathipuram, Mysore-5700090821-2341096/0990821-2346900
NagpurAndhra Insurance Building besides Sule High School near Mehadia Square, Dhantoli, Nagpur-4400120712-2450083/800712-2454820
NairulShop-1/2/3/20, Om Sai Dutta, Plot-32/A, Sector-20, Nerul(W) Navi Mumbai0215-27725968
NoidaB1A/14, Sector-51, Gautam Budh Nagar, Uttar Pradesh-2013010120-2444026
PatnaBSFC Building, 1st Floor neaar All India Radio, Fraser Road, Patna-8000010612-23320330612-2201795
PuneGround Floor, Jeevan Prakash, University Road, Shivajinagar, Pune-411005020-25539790020-25514248
RaipurGuru Ghasidas Plaza Complex, Shop-110/111, 1st Floor, Amapara, GE Road, Raipur-4920010771-2210010
RajkotAkshar Complex, Ground Floor opposite Patel Kanya Chhatralaya, GK Dholakiya School Road near Panchayat Chowk, Rajkot-3600050281-2581318/19, 24832100281-2570871
SalemNo 5/315, Junction Main Road, Devi Chit Funds Complex, Five Roads, Salem-6360040427-2440588
Secunderabad12-8-422/3, Mettuguda, Main Road, Secunderabad-17040-27820146/136
SiliguriDiamond Plaza, 1st Floor near Bhaktinagar Check-Post, Sevoke Road, Siliguri-7341010353-2545739
SuratAditya Complex opposite Prime Arcade, Anand Mahal Road Adajan, Surat-3950090261-2801833/2770227
ThanePinak Galaxy, 1st Floor, B Wing,Kapur Bawdi opposite McDonald, Majiwada, Thane (W)-400607022-25423226/25421474
Tirunelvelli11, Tiruchandur Road, 1st Floor, Palayamkottai, Tirunelveli0462-2577070
TrichyD-72, 1st Floor, Kanchana Enclave, 7thCross, NEE, Thillai Nagar, Trichy-6200180431-2741000
TrivendrumUpper Ground Floor, Trans Towers, Vazhuthacaud, Trivandrum, Kerala-6950140471-2335222
VaranasiPrem Complex, B-23/2, Chandua Satti opposite Bharat Mata Mandir, Sigra , Varanasi-2210020542-22204570542-2222412
Vellore263B, RTO Road, Phase-II,Sathuvachari, Vellore0416-2252202
Vijayawada1st Floor, D.No.59-14-2 upstairs of Lakshmi Vilas Bank opposite Mata Towers, Gayathrinagar, Benz Circle, Vijaywada-5200080866-2499595/596/5970866-2484803
Visakhapatnam47-14-3, Potluri Classic, 1st Floor, Main Road, Dwarakanagar, Vishakhapatnam-5300160891-2558254/25134040891-2523473
Warangal1st Floor opposite Arts and Science College, Warangal-5060010870-25740340870-2544460

For all your queries or complaints you can call on these numbers and seek personalized attention Weekdays: 8 a.m. to 8 p.m.

Checking your LIC Policy surrender value:

You can also check the surrender value of your traditional LIC policy online. Surrender value is the value that you would get when you surrender your policy before the completion of the plan term. Surrendering the policy can be done during the tenure of the plan by requesting the insurance company. The surrender value is calculated using the following formula –

Surrender value = [{Sum Assured * (number of premiums paid / total number of premiums payable)} + vested bonuses] * Surrender Value Factor

You can calculate your surrender value yourself or you can check your policy’s surrender value online in your policy details.

Why the LIC policy status should be checked timely?

You should do a periodic check of the status of your existing LIC policy. When you do a periodic check you can:

  • Find out the premium due date
  • See the remaining duration of the plan
  • Check the accumulated bonuses
  • Revive a policy which has lapsed
  • Make any type of service requests, etc.

Timely check, therefore, keeps you updated about your existing policy and you can plan your finances accordingly.

You can easily check your LIC policy’s status in different ways. Make the most of the facilities provided by LIC and keep a tab on your LIC policies to know your coverage.

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