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.
  2. 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.
  3. 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 Type

Description 

Enquiry Code

To know about IPP Policy Status

IPP Policy status refers to Individual Policy Plan Status

To 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 Date

It 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 Due

An 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 Information

Cheque return information is required in case of insufficient balance in the drawer’s account

To 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 –

City

Branch Office Address

Phone Number

IVRS Number

Agra

Jeevan Prakash

Sanjay Place, M. G. Road,

P. B. No. 1022,

Agra-282002

0562-2524912

Ahmedabad

Maruti Complex, Subhash Chowk,

Gurukul Road, Memnagar,

Ahmedabad- 380052

079-27456848

Amritsar

C/O Sainik Bhawan,

Opp. G.P.O., Court Road,

Amritsar, Punjab

0183-2560673

Bangalore-I

No.202, 39th A Cross, 9th Main Road,5th Block, Jayanagar,

Bangalore- 560041

080-22966528/22966553

080-26659230

Bangalore-II

No. 817, Girija Complex,1st Floor, 8th Block (Opposite Police Station)80 Feet Road, Koramangala, Bangalore – 560095

080-22966836/896

Belgaum

Aditya Arcade, Opposite Hotel Ramdev, Nehru Nagar,

Belgaum-590010

0831-2438856/2438857

Bhagalpur

Mani Complex, Gautam Budha Colony, Jail Road, Tilkamanjhi,

Bhagalpur-812001

0641-2610011/2610033/2610099

0641-2610024

Bhubaneshwar

Plot No-654, Cuttack- Puri Road, Bomikhal,

Bhubaneswar -751006

0674-2573910/11

0674-2573996

Bhopal

MF: 19 & 20, Mansarovar Complex,

Block-B, Mezzanine Floor,

Bhopal- 462016

0755-2550242

Chandigarh

S.C.O 107, Sector 47-Chandigarh- 160047

0172-2678107

Chennai-I

Chennai-DO-1, LIC Building, No.153, Anna Salai, Chennai-600002

044-28611912/28611642

044-28884300

Chennai-II

Oriental Insurance Building,47, Armenian Street Chennai- 600001

044-25331915

Coimbatore

Red Rose Chambers-1437, Trichy Road, Coimbatore-641 018

0422-2300300

Cuttack

H/O-Mr. Sidhartha Das, Kanika Chhak, Tulsipur, (Upper floor of State Bank of Hyderabad), Cuttack -753008

0671-2307883/2307889

0671-2307085

Delhi-I

H-39, New Asiatic Building,

Connaught Place, New Delhi-110001

1800112552/011-23310868

Delhi-II

G-2/B-15, LSC, Mayur Vihar Ph-2,

Delhi-110091

011-22785930

Dwarka

1st Floor, Sudeep Plaza, Plot No-3, Sector-11, Dwarka, New Delhi-110075

011-28042585

Dhanbad

1st Floor, Sri Ram City, Saraidhela, Dhanbad-828127

0326-2225344/2225345

0326-2222725

Ernakulam

28/295, SA Road, Panampilly Nagar, Ernakulam-682036

0484-2383883

Gandhinagar

Shop No: 104-105, Hotel Haveli Arcade – 1st Floor,

Sector -11, Gandhi Nagar

079-23240083/23240383

Goa

Innam Complex, Shop No. 1/2/3,

Opposite Don Bosco School,

Panaji, Goa-403001

0832-2490100

Gulbarga

No. 3-218/219, Rukmini Chambers,

Behind Super Market, Ghazipur,

Gulbarga-585101

08472-233030

08472-243035

Guntur

D. No. 12-21-58, Above SBI,

Gouri Shankar Theatre Road, Kothapet, Guntur-522001

0863-2211476/2211562

0863-2222772

Guwahati

Triveni Complex, Bhangagarh,

G.S. Road, Guwahati -781005

0361-2450389

Gwalior

Madan Tower, Sanatan Dharm Mandir Road, Inderganj, Gwalior (M.P.)

0751-2630272

Gurugram

SCO-60, 1st Floor, District Centre near More Outlet,Sector-56, Gurgaon Haryana-122011

0124-2576060/2578060/2570060

Hubli

Dr. Bekinalkar Complex, Opp. Samyukta, Karnataka Press, Koppikar Road, Hubli-580020 (Dharwad District)

0836-2264333/2264233

0836-2255073

Howrah

6/5, G.T.Road (South) near Howrah Maidan-711101

033-26374387

Hyderabad

D.No. 6-3-1090/C/4, Hosanna Towers 1st Floor, Rajbhavan Road, Somajiguda (above Andhra Bank), Hyderabad-500082

040-23420730/23420740/23420761

040-23437997

Indore

15/2, Race Course Road, LG-5, Darshan Mall Opp. IDA Building, Indore-452003

0731-2533523

Jabalpur

Badshah Plaza, 1187-Pandit Bhawani Prasad Tiwari Ward opposite Old G.S.College, Wright Town, Jabalpur-482002

0761-2407283

Jaipur

303-304, Trimurty Krishna Enclave,

SB-52,Tonk Road, Bapu Nagar Jaipur-302015

0141-2702845

Jalandhar

S.CO. No.-3, Chhoti Baradari, Crystal Plaza, Garha Road, Jalandhar-144022

0181-2480967

0181-2480918

Jamshedpur

Ganpati Complex near Ram Lila Maidan, Kashidih, Sakchi, Jamshedpur-831001

0657-2443228/2443229

0657-2320600

Jammu

Plot No. 62, Sector-8, Trikuta Nagar, Jammu-180012

0191-2479791

0191-2479717

Jodhpur

Ummaid Hospital Road, Shanicharji Ka Than, Jodhpur

0291-2657117/2635076

0291-2620079

Kanpur

Jeevan Vikas, 16/98, MG Marg, Mall Road, Kanpur-208001

0512-2307443

Karnal

Sector-12, near Petrol Pump, Karnal

0184-2266024/1842208400

Kolkata

Ground Floor, Hindusthan Building, 4 CR Avenue, Kolkata-700072

033-22124172/176

033-22545454

Kolkata (Sub)

Jeevan Prabha, DD-5, Sector-1, Salt Lake City, Kolkata-700064

033-23370642

Kolkata-II

166B, SP Mukherjee Road, Merlin Link, 1st Floor, Kolkata-700026

033-24198476

Kottayam

1st Floor, Kannampurath Buildings opposite BSNL Bhavan, MC Road, Kottayam-686001

0481-2307422/11

Kozhikode

1st Floor, Mas Arcade, Vaikkom Muhammed Basheer Road, Kozhikkode-673001

0495-2725581/583

Lucknow

Shop No.-9/10, Jeevan Bhavan-1 (Ground Floor), 43-Hazaratganj, Lucknow-226001

0522-2614782

Ludhiana

801/21, Loomba Street, Civil Lines near Dandi Swami Mandir, Ludhiana-141001

0161-2424074

Madurai

79 TPK Road, Ramalinga Complex, Andalpuram, Madurai-625003

0452-2370361

Mangalore

Ideal Tower, 1st Floor opposite Sharavu Temple, GT Road, Mangalore-575001

0824-2426255

0824-2411655

Mumbai-I

M/s Mayfair Housing Pvt. Ltd., 9 Mayfair Meridian near St. Blaise Church, Caesar Road, Andheri (W), Mumbai-400058

022-26788943

022-26766221

Mumbai-II

Shop-123, Om Sai Dutta, Plot-32/A, Sector-20 opposite Nerul Railway Station, Nerul West, Navi Mumbai-400706,

022-27725968/27723592

Mumbai-III

1st Floor, Jeevan Bima Shopping Center, Borivli (W), Mumbai-400103

022-28912605/28913760

Mumbai-IV

Madhuram opposite to Satellite Br 923, Harishankar Road, Dahisar- East,

Mumbai-400068

022-28482907

Muzaffarpur

Nilu Complex near Pani Tanki Chawk, Club Road, Ramna , Muzaffarpur-842002

0621-2281023

0621-2271083

Mysore

PG Krupa, 2910-Ground Floor, 3rd Cross, Kantharaj URS Road, Saraswathipuram, Mysore-570009

0821-2341096/099

0821-2346900

Nagpur

Andhra Insurance Building besides Sule High School near Mehadia Square, Dhantoli, Nagpur-440012

0712-2450083/80

0712-2454820

Nairul

Shop-1/2/3/20, Om Sai Dutta, Plot-32/A, Sector-20, Nerul(W) Navi Mumbai

0215-27725968

Noida

B1A/14, Sector-51, Gautam Budh Nagar, Uttar Pradesh-201301

0120-2444026

Patna

BSFC Building, 1st Floor neaar All India Radio, Fraser Road, Patna-800001

0612-2332033

0612-2201795

Pune

Ground Floor, Jeevan Prakash, University Road, Shivajinagar, Pune-411005

020-25539790

020-25514248

Raipur

Guru Ghasidas Plaza Complex, Shop-110/111, 1st Floor, Amapara, GE Road, Raipur-492001

0771-2210010

Rajkot

Akshar Complex, Ground Floor opposite Patel Kanya Chhatralaya, GK Dholakiya School Road near Panchayat Chowk, Rajkot-360005

0281-2581318/19, 2483210

0281-2570871

Salem

No 5/315, Junction Main Road, Devi Chit Funds Complex, Five Roads, Salem-636004

0427-2440588

Secunderabad

12-8-422/3, Mettuguda, Main Road, Secunderabad-17

040-27820146/136

Siliguri

Diamond Plaza, 1st Floor near Bhaktinagar Check-Post, Sevoke Road, Siliguri-734101

0353-2545739

Surat

Aditya Complex opposite Prime Arcade, Anand Mahal Road Adajan, Surat-395009

0261-2801833/2770227

Thane

Pinak Galaxy, 1st Floor, B Wing,

Kapur Bawdi opposite McDonald, Majiwada, Thane (W)-400607

022-25423226/25421474

Tirunelvelli

11, Tiruchandur Road, 1st Floor, Palayamkottai, Tirunelveli

0462-2577070

Trichy

D-72, 1st Floor, Kanchana Enclave, 7thCross, NEE, Thillai Nagar, Trichy-620018

0431-2741000

Trivendrum

Upper Ground Floor, Trans Towers, Vazhuthacaud, Trivandrum, Kerala-695014

0471-2335222

Varanasi

Prem Complex, B-23/2, Chandua Satti opposite Bharat Mata Mandir, Sigra , Varanasi-221002

0542-2220457

0542-2222412

Vellore

263B, RTO Road, Phase-II,Sathuvachari, Vellore

0416-2252202

Vijayawada

1st Floor, D.No.59-14-2 upstairs of Lakshmi Vilas Bank opposite Mata Towers, Gayathrinagar, Benz Circle, Vijaywada-520008

0866-2499595/596/597

0866-2484803

Visakhapatnam

47-14-3, Potluri Classic, 1st Floor, Main Road, Dwarakanagar, Vishakhapatnam-530016

0891-2558254/2513404

0891-2523473

Warangal

1st Floor opposite Arts and Science College, Warangal-506001

0870-2574034

0870-2544460

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.


FAQ’s

LIC policy status can be checked free of cost. There are no charged levied by LIC if you want to check your policy status. Checking the online status is completely free of cost. If you send SMS to know the status, the SMS rates of your mobile service provider might apply. Even in the case of customer care numbers, the call rates of your mobile service provider might apply when you call. Besides these, there are no additional charges levied by LIC when you check your policy status.


You can check the status of your LIC policy as many times as you like. There is no limit on the checks that you can do.


Yes, enrolling your LIC policy online is necessary to check the status online. You have to enrol your LIC policies if you want them to reflect on your online user account and if you want to check their status.


‘Add Policy’ is an option available on your online LIC account. Using this option you can add any other LIC policy that you have bought. Once the policies are added, their status can be seen online on your online LIC account.


No, you can also add those insurance policies for which you are the policyholder whether or not you are the life insured. For instance, if you buy a policy on the life of your child and pay the premium, you would be the policyholder while the child would be the insured. You can add this child plan to your online account. Similarly, if you buy a policy on the life of your spouse, such a policy can also be added to your online account.


When you add your LIC policies to your online account, you can check the details and status of all your policies at one place. You can, therefore, get a complete picture of your insurance plans centrally on LIC’s website.