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How to Check LIC Policy Status, Details, Statement via Online/SMS/Call

Keeping track of your LIC policy status is essential for effective financial planning and ensuring uninterrupted policy benefits. Missing premium payments can lead to policy lapses and can cause financial setbacks. With LIC, you now have multiple ways to access policy details, including online portals, SMS services, and call centres. Here's a comprehensive guide on how to check LIC policy status and stay updated.

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How to Check LIC Policy Status Online (For Registered Users)

If you have already registered on the LIC website, follow these steps to check your LIC policy status:

Step 1: Go to the official website of the Life Insurance Corporation of India (LIC)

Step 2: Log in using your username and password in the "Customer Services" tab.

Step 3: Select "LIC Policy Status" under the "Customer Services" tab.

Step 4: Click on the policy number to view details such as the policy term, premium due date, sum assured, accrued bonuses, and more. If you have more than one policy and it is not listed in the list, you can add your LIC of India policy by using the 'Enroll Policy' option in the LIC's e-Services Tools section.

How to Check LIC Policy Status for a New User

New users can register on the LIC website to check their policy details:

Step 1: Visit the LIC website and click "Customer Portal" under the "Log In" menu.

Step 2: Provide your policy number, date of birth, installment amount, email, and mobile number.

Step 3: Verify your email and phone number using the link sent via SMS or email.

Step 4: Click on proceed, and click on the verification link sent via SMS or email

Step 5: Set a secure password to complete the registration.

Once registered, you can log in anytime to check LIC policy details by policy number.

What Documents Required to Check LIC Policy Details for a New User?

Policy Number: There must be a valid LIC policy in your name
Installment Premium: This is the paid premium without any service tax required to be entered.
Date of Birth: The DOB must be in DD/MM/YYYY format
Mobile Number: The insured must enter a valid mobile number to get alerts like LIC premium payment alert, policy maturity alert, premium due, etc.
Email ID: The insured must enter an active email ID.

LIC Policy Status Check Without Registration

You can also check LIC policy details without registering online using SMS services:

Type of Enquiry	SMS Code	Send to
To Know About Installment Premium	ASKLICPREMIUM	56767877
To Know About Bonus Amount	ASKLICBONUS	56767877
To Enquire About Revival Amount	ASKLICREVIVAL	56767877
To Check Loan Amount	ASKLICLOAN	56767877
To Check Nomination Details	ASKLICNOM	56767877

Check LIC Pension Policy Status via SMS

For pension policies, you can check specific details by sending SMS codes to 56767877:

Type of Enquiry	SMS Code
To Know About Policy Status	ASKLICSTAT
To Check Existence Certificate Due	ASKLICECDUE
To Get Last Annuity Released Date	ASKLICANNPD
To Enquire About Annuity Amount	ASKLICAMOUNT
To Avail Cheque Return Information	ASKLICCHQRET

LIC Policy Status Check via Call Center

LIC provides a 24x7 Integrated Voice Response System (IVRS) for policy status inquiries. Here’s how you can use this service:

Dial 1251: For BSNL and MTNL users.
City-Specific Numbers: Users with other service providers can call their respective IVRS center numbers.
Toll-Free Number: You can also call LIC’s toll-free number 1800 33 4433 for assistance.

Additionally, you can contact LIC's regional or zonal offices for detailed inquiries.

What are the Benefits of Regular LIC Policy Status Check?

People often forget to check their LIC policy status as they don't even know how to check LIC policy details by policy number online. A LIC policy is a shield against contingencies, but it is paramount to keep a regular tab on its status to ensure that it provides optimum returns.

Here is a list of benefits of regular LIC policy status checks online:

To know the policy details: Checking the LIC policy status will help you know the details of your policy, such as the premium due date, policy maturity date, policy term, and sum assured. This information will help you plan your finances accordingly and ensure you do not miss any premium payments.
To avoid policy lapse: If you miss paying your premium on time, your policy can lapse, which means you will lose all the associated benefits. Checking your LIC policy details by policy number will help you stay informed about the premium due date and ensure you do not miss any payments.
To make changes to the policy: If you want to change your policy, such as increasing the sum assured or changing the policy term, you need to be aware of the current LIC policy status. Checking the policy status will help you understand the current status of your policy and make informed decisions regarding any changes you want to make.
To stay updated on policy performance: Check the LIC policy details by policy number. This will help you track your policy's performance, such as the returns generated and the bonuses earned. This information will help you assess the effectiveness of your investment and take appropriate action if necessary.

Points to Keep in Mind About the LIC Policy Status Check

Here is a list of points to remember about the LIC policy status check:

The validation of all the policies will be completed after completing necessary checks with the agenda of your policy.
The enrolment process is necessary to facilitate authorized access to specific functionalities provided by the LIC, such as requesting a change of address.
All policies in ordinary life are based on annual premium payments in advance. However, installment premiums may be made monthly, quarterly, or half-annually at a slight additional charge.

Wrapping It Up

Regularly checking your LIC policy status ensures uninterrupted coverage and helps you stay on top of your financial planning. Whether you use the online portal, SMS services, or call centers, staying updated on your LIC policy details by policy number is now easier than ever. Make it a habit to review your policy status to avoid missed premiums, evaluate performance, and make necessary adjustments to meet your financial goals. With these multiple convenient methods, managing your LIC policies has never been simpler.

FAQs

Q: How can I check LIC policy status by policy number?

Ans: You can check LIC policy status by policy number online via the LIC portal, through SMS, or by calling the LIC customer care number.
Q: Can I check LIC policy details without registration?

Ans: Yes, you can use SMS services to know your LIC policy status without registering online.
Q: What happens if I miss a premium payment?

Ans: Missing a premium can result in policy lapse. However, you can revive it within 5 years by paying the due amount and any penalties.
Q: Can my mobile number be provided for LIC status checks?

Ans: Yes, a valid mobile number is required for alerts and verification during online registration.
Q: How do I register for LIC’s online services?

Ans: Visit the LIC website, click on the “Customer Portal” under the log-in menu, and follow the registration process.