How to Check LIC Policy Status Online Using your Policy Number

You can access your LIC policy details through several digital and assisted channels, depending on the type of information or service you need.
 

• Customer Portal: Registered users can access policy status, premium payment, bonus information, online loan requests, NEFT registration, address changes and other eligible services.
• MyLIC app: The current MyLIC app allows LIC customers to manage policies, receive notifications about pending actions and access other policy services.
• SMS: LIC provides SMS-based policy services through its designated numbers, including 56767877 and 9222492224.
• WhatsApp: LIC provides an official WhatsApp service through 8976862090.
• Customer care: LIC's centralised call centre can be reached at 022 6827 6827 and is available 24x7.
• Registration: New Customer Portal users need their policy number, instalment premium, date of birth, mobile number and email ID.
   

Checking these details periodically can help you track your life insurance policy, premium commitments and applicable policy benefits without visiting a branch.

LIC policy status refers to the current position of your LIC life insurance policy, including whether it is active, lapsed, paid-up, matured or otherwise applicable under its policy terms. 

You can check policy status through LIC’s Customer Portal, MyLIC app, SMS or customer-care services. It can also show details such as premium payments, due dates and other policy-related information.

An LIC policy statement is a record of key information related to your LIC life insurance policy. It can include details such as the policy schedule, premium payments, policy status, bonus information, loan position and applicable claim or maturity details. Registered users can access relevant policy information and services through the LIC Customer Portal.

What are the details you check in a LIC policy status?

LIC policy status provides key information about your policy, premium payments and applicable benefits.

• Policy status: Check whether the policy is in force or has lapsed.
• Policy details: View the plan term, sum assured and commencement date.
• Premium details: Check premium dues and the first unpaid premium, where applicable.
• Bonus status: View the total bonus accumulated under the policy.
• Loan status: Check the outstanding policy loan and related interest details.
• Claim details: View applicable survival or maturity benefit information.
• Premium history: Access records of premiums paid during the available period. 

Checking your LIC policy status regularly helps you stay updated on important LIC policy details, including premium due dates, policy benefits, maturity information and policy validity. Regular reviews also help you manage your life insurance policy more effectively and ensure it continues to support your financial goals.

Regular checks can help you:

• Track premium payments: Check upcoming and completed premium payments and keep your payment records organised.
• Monitor policy status: Confirm the current status of your policy and identify any action that may be required.
• Review policy benefits: Check applicable bonus and maturity-related information based on your policy terms.
• Track policy loans: Review loan-related information where the facility applies to your policy.
• Keep details updated: Make sure your contact and other policy information remains accurate.
• Review your protection needs: As your income, dependants and financial responsibilities change, reassess whether your existing life cover remains appropriate.
   

Regular policy reviews are also useful for broader life insurance planning, particularly when your financial responsibilities have changed.

You can check your LIC policy details online through the Customer Portal after registering your policy and creating your customer account.

Follow these steps:
 

1. Visit the official LIC website.
2. Select Customer Portal.
3. Choose the Sign Up or registration option if you are a new user.
4. Enter your policy number, instalment premium, date of birth, mobile number and email ID.
5. Complete the required registration and verification process.
6. Sign in to the Customer Portal.
7. Open the Policy Status section to view the information available for your policy.
8. To download your policy statement, go to the "Policy Status" section and select the option to generate or download a statement of LIC policy. Save it as a PDF for future reference.

LIC states that its Customer Portal provides access to services including online premium payment, online loan requests, NEFT registration, address changes, policy status and bonus information.

If you're already registered on the LIC website, checking your policy status online is quick and seamless:

1. Visit the official LIC portal: Go to the LIC website and click "Customer Portal" on the homepage.
2. Log in to your account: Enter your User ID, password, and the CAPTCHA code.
3. Navigate to your policy details: Go to the "Policy Status" section to see all linked policies.
4. View policy status: Select the specific policy to view its premium due date, maturity date, and status.
5. Download or print: Save or print the policy details for your reference, if needed.

The information and services available can vary according to the policy and the services enabled for the customer account.

The registration process generally involves:

1. Visit the official LIC website.
2. Select Customer Portal and choose Sign Up.
3. Enter the policy number and instalment premium excluding tax.
4. Enter your date of birth as recorded in the policy bond.
5. Provide your mobile number and email ID.
6. Enter the required PAN or passport information, if applicable.
7. Select your gender and verify the information entered.
8. Complete the registration process and create your login credentials.

9. Sign in to access your policy information.

   
   

LIC's current registration guidance states that the policy number and instalment premium should be taken from the policy bond, while the date of birth should match the policy record. PAN and passport details are listed as optional in the registration process.

To check LIC policy details by policy number on the MyLIC app, follow these simple steps:

1. Open the official MyLIC app and log in to your account.
2. Go to your policy portfolio or policy details section.
3. If the policy is not listed, choose the option to add or link a policy.
4. Enter your LIC policy number and complete the required verification.
5. Select the policy to view available details such as policy status, premium, benefits and other policy information. LIC confirms that its digital services provide access to policy status and basic policy details.

LIC's current Customer Portal instructions list these details as part of the registration process.

Follow these simple steps to access your policy information:

• Keep your policy number and registered mobile number ready.
• For service-related assistance, send LICHELP <Policy Number> by SMS to 9222492224 from your registered mobile number.
• Alternatively, call LIC's centralised customer care number at 022 6827 6827, which is available 24x7.
• Follow the instructions provided by LIC to receive assistance with your policy-related query.

Commonly used formats include:

For example, you can send ASKLIC 123456789 STATUS to the applicable LIC SMS service number.

LIC's SMS services are for policy-related enquiries, and you should use the registered mobile number. LIC also provides the LICHELP facility for policy-related support through SMS.

Because LIC can update service channels and formats, check its current customer-service instructions if you don't receive a response to an SMS.

To use it:

1. Save LIC's official WhatsApp number 8976862090.
2. Open WhatsApp and send ‘Hi’.
3. Follow the options displayed by the LIC chatbot.
4. Select the relevant policy service.

5. Provide the requested information and follow the instructions.

   
   

LIC's customer-service information provides WhatsApp as one of its digital service channels. Use the number published on LIC's official website rather than an unverified number.

1. Call 022 6827 6827.
2. Keep your policy number and relevant personal information ready.
3. Follow the IVRS instructions.
4. Speak with a customer-care representative if required.

5. Follow the instructions provided for your specific policy or service request.

   
   

LIC currently states that its call-centre services are available 24x7.

These official LIC apps provide digital access to policy-related services, helping customers manage their life insurance policies and complete eligible servicing activities through their mobile devices.

When an LIC policy reaches maturity, the policyholder must complete the applicable maturity claim formalities.

LIC's current forms guidance states that the servicing branch generally sends maturity claim intimation in advance. It also requires the Discharged Receipt in Form No. 3825 and the original policy document for the applicable maturity claim process.

The process may include:
 

1. Check the maturity date and claim requirements for your policy.
2. Complete the applicable discharge form.
3. Submit the original policy document and required documents.
4. Provide the bank account details required for payment through the applicable process.
5. Follow up with the servicing branch or LIC if further documentation is required.
    

The documents and process can vary according to the policy and circumstances. Confirm the current requirements with LIC before submitting your maturity claim.

Bajaj Finance offers an online facility to pay eligible life insurance premiums through its digital platform. You can make payments using supported modes and receive confirmation after a successful transaction.

Key benefits include:
 

• Quick payments: Pay your eligible premium online without visiting a branch.
• Multiple options: Use UPI, debit or credit cards, net banking and other supported modes.
• Instant confirmation: Receive payment confirmation after a successful transaction.
• Digital access: Make eligible premium payments through the Bajaj Finance website or app.
   

Bajaj Finance Limited is an IRDAI-registered corporate agent under composite CA registration number CA0101 and is not the insurer.

For convenient LIC premium payments or other insurance premium payments, you can use the available digital payment options on Bajaj Finance.

Bajaj Finance provides digital payment facilities for eligible insurance premium payments through its payment platform.

Depending on the payment channel and availability, customers can benefit from:

• Quick and hassle-free: Bajaj Finance provides a payment platform on Bajaj Pay, letting you complete your premium payment in a few clicks.
• Safe and secure: Your LIC premium payment details are protected with the platform's security measures.
• Multiple payment options: Choose from debit card, credit card, net banking, e-wallet, and UPI, depending on what suits you best.
• Instant confirmation: After payment, you receive immediate confirmation via email and SMS.

Your LIC policy number is generally printed on the policy bond and other policy-related documents. LIC states that the policy number is a unique identification number and consists of nine digits.

If you cannot locate it, you can:
 

• Check your original policy bond.
• Review previous LIC premium receipts and communications.
• Contact LIC customer care with your available policy information.
• Visit the relevant LIC branch with appropriate identification.
• Use LIC's official customer-service channels for assistance.
   

LIC's current customer-service information also provides SMS-based support for policy-related enquiries.

You can use the LIC Customer Portal to access eligible policy servicing requests and view available updates.

To check a request:
 

1. Log in to the LIC Customer Portal.
2. Open the relevant policy or service section.
3. Select the request you submitted, where tracking is available.
4. Review the current status or instructions.
5. Contact LIC customer care if the status is unavailable or you need further assistance.
    

LIC's Customer Portal supports several online servicing functions, including online loan requests, NEFT registration, address changes and other policy-related services.

You may encounter login, verification or policy-linking issues while accessing LIC's digital services.

If you cannot resolve the issue online, contact LIC's centralised call centre at 022 6827 6827.

Checking your LIC policy details regularly can help you understand your existing life insurance protection and keep track of your policy commitments.

It can help you:
 

• Review life cover: Check whether your existing cover remains appropriate for your financial responsibilities.
• Track premiums: Monitor due dates and payment records.
• Understand policy benefits: Review applicable maturity, bonus and other policy benefits.
• Check nominee and contact details: Keep important policy records updated.
• Review changing financial needs: Reassess your life insurance requirements when your income, dependants or liabilities change.
   

If your existing cover no longer reflects your financial responsibilities, you can assess whether additional life insurance or term insurance is appropriate.

You can check LIC policy details using the Customer Portal, MyLIC app, SMS, WhatsApp and customer care. These channels can help you access applicable information about policy status, premium payments, bonuses, loans and other policy services without always needing to visit an LIC branch.
 

Regularly reviewing your life insurance policy can also help you keep your records updated and assess whether your existing life cover continues to match your financial responsibilities. If your income, dependants or financial commitments have changed, consider reviewing your overall protection needs.

Note- Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisers.