How To Check LIC Policy Status by Policy number

Have you ever felt the need to check the status of your LIC policy? If yes, this blog is for you! Keeping track of the policy status is important to ensure that it is active and the premium due dates are not missed amidst the daily hustle and bustle. 

You can check the status of your LIC policy online by policy number, wherever and whenever you want, in a few minutes. 

In this blog, we'll discuss the step-by-step process of checking your LIC policy status with your policy number so you don't lose track of your insurance coverage.

Why Check LIC Policy Details and Status On Time?

Policyholders often overlook the need to check LIC policy status. However, it is important to keep track of its status for the following reasons:

1. Prevent Missed Premiums

Most of you might lead very busy lives and sometimes forget to pay the premiums. So, it is advisable to check your policy status every month to prevent missed premium payments. 

2. Stay Informed About Benefits

Knowing your policy status allows you to be updated on important policy information, such as the availability of any bonuses that may be offered. This knowledge helps you maximise the value of your investment and make informed decisions.

3. Avoid Policy Lapsing

Missing out on premium payments can also lead to your policy getting lapsed. This means you and your loved ones will not benefit from the protection that was meant to give financial relief. Moreover, reviving your passed policy can be complicated and may take time! 

Different Methods to Check LIC Policy Status

It is vital to keep yourself updated on the details of your LIC policy. Therefore, checking your LIC policy status cannot be overlooked. Luckily, there are various ways to check the status of the LIC policy, either online or offline —

How to Check the Status of LIC Policy Details Online?

The simplest and most practical method to check the status of your LIC policy is through the website. Here's how to do it:

1. Visit the LIC Website: Head over to the official LIC website.
2. Go to the Customer Portal: Hover over the “Login” button and click on the 'Customer Portal’ option.
3. Register if You're a New User: For those who are using the portal for the first time, click on the "Sign up" button. Enter information like policy number, premium amount, date of birth as per the policy bond, mobile number, and email ID for registration. 
4. Login if You're Already Registered: If you have an account already, log in with the registered username/email/phone number and the password. You may also log in using the one-time password (OTP) that will be sent to your registered mobile number. 
5. Check Your Policy Status: After logging in, follow the on-screen instructions to check your policy status and other relevant information.

Checking your policy status online is quite easy and effective, as you can get updated on your policy details without having to go to the branch office!

How to Check LIC Policy Status Without Registration/Offline?

In case you want to verify the status of your LIC policy without registering online or using offline means, LIC has simply made it:

• Through SMS: You can find out the status of your policy by sending an SMS in the format below:
  
  Send LICHELP <policy number> to 9222492224.

This method is quick and works on any mobile device. You will get an SMS back with the relevant details about your policy.

How to Check Policy Status Through Customer Care?

For those who find it convenient to talk to someone directly, LIC has a facility for customer care as follows:

• Call the LIC Call Center: Customer care for LIC can be reached at +91-22-68276827. This facility is available at all times in English, Hindi, and eight other regional languages, so you can always get help whenever you need it.

Regardless of the method, LIC has made it very easy for its customers to keep track of the policy status.

Things to Remember As a New Customer While Checking LIC Policy Details Online

As a new user, getting LIC policy details online would definitely be an easy task, but there are certain important considerations that you should bear in mind to avoid any hiccups. To begin with, you will have to complete the registration process, which is easy yet an important factor.

New User Registration: Start by going to LIC's official website - "licindia.in". On the site, click on "Login to Customer Portal" and then "New User".

Information Requirements: Make sure you have the following details handy:

• Policy Number: You can find it on your insurance policy documentation.
• Installment Premium: This is also printed on the policy document.
• Date of Birth: This should be the same as what is mentioned on your policy bond.
• Mobile Number and Email ID: Both must be active and registered with your LIC policy.

After providing your information, click "OK" to continue. A verification link will be sent to your email address. Click on this link to complete the registration process.

Password Guidelines:

• Length: Your password must be between 6 to 16 characters.
• Character Variety: Include at least:
• One uppercase letter (A-Z)
• One lowercase letter (a-z)
• One number (0-9)
• One special character (e.g., !, @, #, $, %, &, *, (, ), _)
• Avoid Personal Information: Do not use your first name in the password.
• Uniqueness: Ensure your password is unique and not easily guessable.
• Confidentiality: Keep your password confidential, and do not share it with anyone.

Common Issues When Checking LIC Policy Status

Here are some common issues that you might face while checking your LIC policy status online —

• Incorrect Policy Number: When submitting a policy number, it is important to ensure that there are no errors. This is because even the slightest error can deny you access to your policy details.
• Network Connectivity Problems: You are required to have good internet connectivity. Any interruptions in the network can result in waiting or an error in the policy status request.
• Website Technical Glitches: At times, the LIC website may experience technical issues, and you may need help accessing your information.
• Server Overloads: During busy hours, the volume of activity on the website can cause the website to perform slower or in some cases, the website can go down temporarily.

Conclusion

By checking the LIC policy status regularly, you can keep track of your premium payments in a timely manner and information about bonuses and other aspects related to your policy. 

Whether you prefer to do it via the internet, through SMS or customer care, the process is quite simple. 

Frequently Asked Questions

Ques 1. What should I do if I fail to pay the premium?

Ans. If you have missed payment of any premium, inform LIC as soon as possible and pay the amount within the grace period. Otherwise, your policy may lapse.

Ques 2. Can I check the status of my LIC policy without signing up?

Ans. Of course, you may check the status of your LIC policy without signing up using an SMS ( LICHELP <policy number> to 9222492224) or by calling LIC's toll-free number – +91-22-68276827. 

Ques 3. Are there any customer care numbers provided by LIC?

Ans. Certainly, you can contact customer care by calling +91-22-68276827 - this number operates on a 24-hour basis and in multiple languages.

Ques 4. What information do I need to register as a new user?

Ans. For registration, you will require the following details: your policy number, instalment premium, date of birth, mobile number and email ID associated with your policy.

Ques 5. How can I reset my password if I forget it?

Ans. To reset your password, click on the "Forgot Password" option on the LIC customer portal and follow the steps accordingly to reset your password.