How to Know the Status of LIC Policy without Registration?

The Life Insurance Corporation of India (LIC), a leading name in the Indian insurance industry, provides a wide range of online services to enhance customer experience and address their diverse needs promptly. With LIC's e-services, you, as a customer, can now access almost every functionality that was once exclusive to branch visits.

Regularly checking your policy status is just as important as purchasing the policy itself. In today's busy lifestyle, it's easy to overlook premium payments. In fact, even the grace period can go unnoticed sometimes. To avoid this scenario, it’s essential to periodically check your life insurance policy status and stay informed about upcoming premium payments.

In the past, users had to visit LIC branch offices or rely on agents to inquire about their policy status. However, with LIC's comprehensive online platform, checking your policy status is just a click away. Additionally, LIC offers mobile services that allow customers to access policy and premium payment statuses.

When making inquiries via customer care or checking your status online, make sure to have your policy number on hand.

Steps for New User Registration on LIC's Website

To check your LIC policy status online you must first register as a new user on the official LIC e-service portal. For this, simply follow these steps -

• Step 1: Visit the official LIC e-service portal at https://ebiz.licindia.in/D2CPM/?_ga=2.220535320.1254381271.1675760036-1110311415.1675760036#Login.
• Step 2: Choose the ‘Sign Up’ option.
• Step 3: Fill out the online registration form by providing the necessary details - this will include a valid email address.
• Step 4: Enter a username and password for your account.
• Step 5: An email will be sent to the registered email address for confirmation.

How to Know LIC Policy Status Online?

Regularly checking your LIC policy status details is crucial. This way, you can ensure that you have made timely premium payments and verify that your policy is active. You can check your LIC policy status both online and offline.

Here’s how you can check your LIC policy status online -

• Step 1: Go to the official LIC e-service portal at https://ebiz.licindia.in/D2CPM/?_ga=2.220535320.1254381271.1675760036-1110311415.1675760036#Login.
• Step 2: Choose either ‘New User’ or ‘Registered User’ (if you are a new user, register first by following the steps mentioned earlier and then proceed as a registered user).
• Step 3: Use your login credentials to log in.
• Step 4: Choose the ‘Policy Status’ option.
• Step 5: A list of all your LIC policies will be displayed.
• Step 6: Click on a specific policy number to view its status. You can also access other policy details such as the next premium due date, sum assured, policy term, and policy name.

Steps to Enroll Your LIC Policies Online - LIC Policy Details by Policy Number

• Step 1: Complete the registration process for your online LIC account as described earlier.
• Step 2: After successful registration, you will be required to provide the details related to your existing policies.
• Step 3: Fill in the necessary details of all your policies and download the form.
• Step 4: Sign the downloaded form and submit it to an LIC branch near you (where one of your policies is serviced).
• Step 5: You will get an acknowledgment, either in the form of an email or a printed copy, from the branch.
• Step 6: Your policies will be examined and confirmed by the said branch
• Step 7: Once the enrollment process is done, you can check the status of your policies online.

How to Check LIC Policy Status without Online Registration?

LIC offers alternative methods to check your policy status if you haven't registered online. You can use the SMS and phone call services provided by LIC to inquire about your policy status. These services ensure that you can still keep yourself updated on your policies even if you don’t have access to the internet.

To check your LIC policy status through SMS, type ASKLIC followed by the specific code for the desired function (check the list in the next section for details) and send it to 9222492224 from your registered mobile number. Alternatively, you can send an SMS with the message ‘SMS LICHELP <policy number>’ to the same number.

It’s worth noting that LIC also offers an SMS service that allows policyholders to check their policy status without the need for registration. To verify the policy status, simply send an SMS with the message "ASKLIC<policy number>STAT" to 56767877 from your registered mobile number.

List of Important SMS Services by LIC

Here are the services that you can access via SMS -

1. For a few official and government procedures that require proof of existence, LIC provides an Existence Certificate. To check the due date for the Existence Certificate, send an SMS with the message ‘ASKLIC<policy number>ECDUE’ to 56767877 from your registered mobile number.
2. To ensure timely premium payments, it is important to remember the due date. To check the last Annuity Release Date, send an SMS with the message "ASKLIC<policy number>ANNPD’ to 56767877 from your mobile number registered with LIC.
3. Knowing the amount to be released each time can be challenging. To easily know about the annuity amount, use your registered mobile number to send an SMS with the message ‘ASKLIC<policy number>AMOUNT’ to 56767877.
4. In case of insufficient funds leading to a bounced cheque, it is important to be aware of the details related to the cheque return. To request this information, send an SMS with the message ‘ASKLIC<policy number>CHQRET’ to 56767877 from your registered mobile number.
5. Some policies require annual installment payments, while others may require half-yearly, quarterly, or monthly deposits. To obtain details about installment premiums, send an SMS with the message "ASKLIC<policy number>PREMIUM" to 56767877 from your registered mobile number.
6. Accumulated bonus amounts represent an important aspect of insurance policies. To check if your policy has received any bonus, use your registered number to send an SMS with the message ‘ASKLIC<policy number>BONUS’ to 56767877.
7. In the event of non-payment of the premium amount, an insurance policy may lapse. However, there is a provision for policy revival within 5 years. To inquire about the revival amount, send an SMS with the message ‘ASKLIC<policy number>REVIVAL’ to 56767877 from your registered mobile number.
8. Banks and other financial institutions provide loans against insurance policies. If you are interested in knowing the loan amount that your policy can bring at a particular time, make use of your registered number to send an SMS with the message "ASKLIC<policy number>LOAN" to 56767877.
9. Each insurance policy requires the nomination of a beneficiary who will receive the assured amount in case of the policyholder's demise. To check the Nomination Details, send an SMS with the message "ASKLIC<policy number>NOM" to 56767877 from your registered mobile number.

Note: Make sure that you use your registered mobile number and replace ‘<policy number>’ with your actual policy number while sending the SMS.

Other Helpful Methods of Checking LIC Policy Status Details

You can also check your policy status by dialling LIC's customer care number at +91-02268276827. The customer care service is available in Hindi, English, and several regional languages from Monday to Friday between 8 am and 8 pm.

Additionally, LIC has zonal and regional offices that you can contact for any policy-related inquiries. These offices are divided into eight zones, including Central Zone, Eastern Zone, East Central Zone, Northern Zone, North Central Zone, Southern Zone, South-Central Zone, and Western Zone. Each zone has specific customer support numbers that you can reach out to for assistance.

Wrapping Up

Checking your LIC policy status details is now more convenient than ever, thanks to LIC's online services as well as alternative methods such as SMS and phone calls. Stay updated on your policies and ensure timely premium payments to maintain secure and reliable life insurance coverage.

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