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LIC’s e-Services

LIC’s e-services enable customers to avail a wide range of services without having to visit the company’s branches. There are facilities for online payment, knowing the status of policies, loans, bonuses, as well as grievance registration, etc.
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The Life Insurance Corporation of India has taken the initiative to offer its customers the quickest solutions to their insurance needs through its e-Services. LIC’s e-Services provides several functionalities that could previously only be availed by physically visiting a branch of the company. Thanks to the new initiative, you can now make the most of these services without having to step out of the comfort of your home.

How to Register for LIC’s e-Services

  • Visit the LIC website (www.licindia.in)
  • Locate the ‘Online Services’ box on the left hand side of the page and click on ‘Customer Portal’.
  • You will be re-directed to the ‘LIC e-Services’ page where you will have to click on ‘Registration for e-Services’ under the ‘Functionalities Offered’ section.
  • There will be two blocks – one which says ‘Registered User’, and the other that says ‘New User’.
  • Select ‘New User’ and enter the details requested thereafter. The details that must be entered include any one of your LIC policies, the policy number of said policy, the date of birth of the individual as mentioned in the policy document, and the instalment premium. The individual’s Email ID and mobile number must also be provided here before checking the box which says, ‘I confirm that the mobile number mentioned above is registered under my name and is being used by me’.
  • Hit ‘Proceed’ after entering the required information.
  • A User ID and Password must then be selected based on the terms and conditions of the website. This user ID and password will be your login credentials for the LIC portal.
  • A welcome mail will be sent to your registered email ID, confirming your registration for LIC’s e-services.
  • To login to the website, click on ‘LIC’s e-services’ and select ‘Registered User’ before entering your user ID and password.
  • Once you have logged in to the portal, you will be able to access a variety of services such as Basic Services, e-Services, and Premier Services.

How to Use LIC’s e-Services

After you have registered yourself with LIC’s e-Services, you will have to click on the e-Services link and login using your user name and password. A form will have to be filled in for you to avail the services on the portal. All your policies will also have to be registered for the same. The form should be printed, signed and the scanned image should be uploaded on the portal. A scanned image of your Passport / Aadhaar Card / PAN Card should also be uploaded. The size of the file which contains the scanned image must be under 100KB. The image could be in .bmp, .tiff, .jpeg, .jpg, .png or .gif format. Once you have completed the aforementioned actions, you will receive an acknowledgement from the company in the form of an SMS and e-mail.

Facilities for Online Payment

LIC’s e-Services can be used to make your LIC premium payments online including repayment of loans, payment of loan-interest due and renewal premium due. These payments can be made through different modes such as UPI (Unified Payment Interface), credit card / debit card, net banking and BHIM (Bharat Interface for Money). The payment towards renewal premium can be done for all policies that are in force. However, policies that have been registered for premium payment via NACH (National Automated Clearing House) and those under Salary Saving Scheme cannot be renewed online. Customers are allowed to make the payment of premium a month before the due date of the policy.

The credit cards allowed by LIC’s e-Services include Amex, MasterCard and VISA, while the debit cards allowed include Rupay, MasterCard and VISA. Loan interest payments cannot be made under PMVVY (Pradhan Mantri Vaya Vandana Yojana) and VPBY (Varishtha Pension Bima Yojana) plan policies.

Policy Status and Policy Schedule

The webpage will display some of the basic information of your LIC policy, like the term of the plan, the sum assured, the first unpaid premium, the date of which coverage commenced, etc. The policy schedule will also be displayed on the page, albeit just the first page of the document.

Loan Status

The current position of your loan will be shown, like the extent of the due up to which the loan interest is paid, the overall outstanding loan amount under the policy, etc.

Bonus Status

The overall bonus accrued under the policy can be seen in LIC’s e-Services. The bonus will become payable only when the final payment is made under the policy.

Claims Status

The date of Maturity Benefit or Survival Benefit offered by the policy over the course of the policy term can be seen on the portal.

Premium Due Calendar

Information regarding your due premiums over the course of the year will be displayed in a monthly format.

Revival Quotation

For lapsed policies, revival quotation shall be provided.

Premium Paid Certificate

In case of individual policies, the history of premiums paid over the course of a fiscal year will be provided online. However, information will be displayed only for three financial years including the present fiscal year. In case of consolidated policies, the history of premiums paid will be provided. All the life insurance policies registered under the user’s name (not including children and spouse policies) will be shown over the course of the financial year. Like individual policies, the information available will only be for three financial years including the present fiscal year.

Proposal Form / Policy Bond Image

The portal will display a scanned image of the proposal form and the policy bond for all policies that have been enrolled on the website.

Claim History

Information regarding any claim that has been paid under the policy will be displayed along with the cheque / NEFT details, the amount of money paid and the date on which the payment was made.

Grievance Registration

Customers will have the option to register a grievance or complaint with the Life Insurance Corporation of India through this facility.

Claims for Death Benefit

To make death claims under a normal life insurance policy, the beneficiary or nominee of the life assured will be legally eligible to receive the death sum assured after providing an intimation of the policyholder’s death. The intimation must be filed with the servicing branch of the LIC. The claim requirements include Claim Form ‘A’ in Form Number 3783 (Form Number 3783A can be used in case the policy has run for three years or more), a certified extract from the death register, and the original policy bond along with the deed/s of assignment/s, if any. Other requirements may be made by the company based on the policy’s status, in which case the servicing branch will have to be contacted for further details.

Maturity Claims

The maturity claims made by any customer of the Life Insurance Corporation of India will be settled on or prior to the due date. The intimations for maturity claims are generally sent by the servicing branch at least two months before the maturity date. The Discharged Receipt in Form Number 3825 will have to be submitted along with your original policy bond a month prior to the due date. Early submission will ensure that your claims are processed before the due date. In case you do not get any intimation for your maturity claims in the following couple of months, you will have to immediately contact the servicing branch.

Locators

LIC’s e-Services has a number of locators, such as agent locators which can help you find insurance agents near you. Doctor locators are also available, along with premium payment centres, APOnline, premium points, MPOnline, Life Plus centres, Corporation Bank branches, CSC Centres, Axis Bank Branches, and CUB Branches.

Frequently Asked Questions

How much do LIC’s e-Services cost?

LIC’s e-Services can be availed for free of cost and no payment ahs to be made for using these services.

Who are the LIC’s e-Services for?

All individuals who have purchased life insurance policies from the Life Insurance Corporation of India are eligible to use LIC’s e-Services. All you have to do to avail these services is to register yourself on the LIC portal and make the most of the services on offer.

Can the policies purchased on the lives of my family members be added to the portal?

The policies purchased on the lives of your minor children can be registered on LIC’s e-Services. The policies purchased in your own name can also be added. However, when your minor children turn into adults, you will have to create unique user IDs for them in order for them to avail e-Services for the policies purchased on their lives.

How can I add the policy number of a newly purchased policy on e-Services?

You will have to login to the portal using your unique user ID and password and then click on ‘Enroll Policies’ and follow the simple steps to add newly purchased policies.

Whom do I contact for assistance in case there are any problems when registering for e-Services?

Customers can contact any of the 73 Customer Zones between 8 am and 8 pm on weekdays and from 10 am to 6 pm on weekends. The email IDs and phone numbers that you can contact for assistance can be found on www.licindia.in.

LIC e-Services Reviews

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  • ICICI Prudential Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my term insurance with ICICI bank,the agent had clearly explain me about the policy and benefit coverage, and i use to pay premium amount on monthly basis.they have charged me premium nominal,they have charged me up to 712 on monthly.and my premium amount use to get auto debited from my account.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 20, 2019
  • LIC Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been taken my Life insurance with Life insurance corporation of India, the agent had clearly explain me about the policy coverage and benefits,i have been holding two policy one is on monthly basis and one is for yearly basis,there premium amount they have charged me was nominal.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • LIC Life Insurance
    "Average Policy"
    0.5 4.0/5 "Great!"
    Purchased my life insurance policy in the year of 2001. Since my brother in law working as a agent, i have selected the Life Insurance Corporation of India for my insurance policy. I paid the premium amount of Rs. 2500 for half yearly. I make the premium through online.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jan 20, 2019
  • LIC Life Insurance
    "Not recommendable policy"
    0.5 4.0/5 "Great!"
    I have taken the life insurance policy from Life insurance corporation of India. I'm making the premium through online. Most of the policy got matured and I'm not satisfied with the returns. I have purchased policy in 1995. I have selected the quarterly payment mode.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • LIC Life Insurance
    "Very Good Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this Jeevan Anand insurance policy almost seven years back and i am paying the premium half yearly. The premium amount was around 8944 which was not too high. The payment method has been simple and has been done easily. It is a good policy and suggestible to others.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 20, 2019
  • LIC Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    My Life insurance with Life insurance corporation of India had got completed, for 15 years, i was been paying this premium amount, the premium amount was on half yearly basis, and now i am waiting for the money to get, there service was good, they have charged me nominal premium amount.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have applied my life insurance with HDFC LIFE, there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal, it was on yearly basis , and i use to pay premium through on line.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Tata AIA Life Insurance
    "Go for term insurance for the family future safety"
    0.5 4.0/5 "Great!"
    I have taken my term insurance policy from TATA AIG. This a a terms with returns policy. TATA AIG is providing a less premium with the sum assured amount of Rs. 1 Crore. I used to make the premium amount of Rs. 18000 per annum. I took the policy 1 month before. I have done the documentation process by online.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • LIC Life Insurance
    "Good to have"
    0.5 4.0/5 "Great!"
    My endowment policy was taken from LIC because of the trust and secure. In 2000, i have purchased this policy. I used to make the payment through online. One of my friend has recommended me about this policy. I have visited the branch many times and they are providing average service to the customer.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 20, 2019
  • LIC Life Insurance
    "Good to have"
    0.5 4.0/5 "Great!"
    I have purchased a endowment plan from LIC. Bought my endowment plan in 2003. I have been paying the premium amount of Rs. 4000 per annum. I will get a sum assured amount of Rs. 1 lakhs. Total tenure period of the policy is 15 years. This is a tax benefit policy.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 20, 2019
  • LIC Life Insurance
    "Good to have"
    0.5 3.0/5 "Satisfactory"
    I have invested a money back policy from Life insurance Corporation of India. I took this policy in the year of 2003. Total tenure period of the policy is 20 years. I have been paying the premium amount of Rs. 100000 per annum. Three times i have received a money back in my account. I have not faced any issue in this policy.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 20, 2019
  • ICICI Prudential Life Insurance
    "Best Policy"
    0.5 3.0/5 "Satisfactory"
    My life insurance policy was bought from ICICI Prudential. The plan name is money growth. I have been paying the premium amount of Rs. 250000 per annum. I have selected the annual mode. I used to make the premium through online. I will get a sum assured amount of Rs. 25 lakhs. Total tenure period the policy is 10 years.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 20, 2019
  • LIC Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    My life insurance i have dealing with Life insurance corporation of India,the agent clearly explain about the policy , coverage ,they have send me hard copy, i pay premium on quarterly basis,they have charged me up to 2500-2400 approx, which was nominal, i pay off line via cheque.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 20, 2019
  • Tata AIA Life Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I have purchased a term insurance policy from TATA AIA. I opened this policy before 4 months. The claim ratio was 97% hence i have selected them. The premium amount is very less. I've chosen the coverage value of Rs. 50 lakhs. I make the premium by cheque.
    Was this review helpful? 0
    , vapi
    Reviewed on Jan 19, 2019
  • HDFC Life Life Insurance
    "Bad return value in this policy"
    0.5 1.0/5 "Really Bad"
    I hold a investment policy from HDFC LIFE. Friend has told me about this policy. They are not providing a good service to the customer. I took this policy in 2016. I have been paying the premium amount of Rs. 25000 per annum and the sum assured amount is Rs. 2.40 lakhs. This is a tax benefitable policy.
    Was this review helpful? 0
    , vapi
    Reviewed on Jan 19, 2019
  • Kotak Life Life Insurance
    "Good benefits"
    0.5 4.0/5 "Great!"
    I took my life insurance policy from Kotak Mahindra before 6years. It is a long term policy. I pay the premium through online, approx 20K per annum. I am happy with the benefits and their service. I got insurance paper. I need to pay for 15 years.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 19, 2019
  • LIC Life Insurance
    "Satisfactory"
    0.5 5.0/5 "Blown Away!"
    I am having a personal life insurance policy for the myself and my wife. All services are good and am fine mostly doing online payment. The tenure period is 15 years. I got an agent, he helps me out. It has good benefits. The premium was paid yearly through online.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 19, 2019
  • LIC Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using life insurance with Life insurance corporation of India,the agent had clearly explain the policy and the benefit coverage ,and the premium i pay is according to my convenient,like it is flexible option available,like whenever i want i can pay ,but i pay in monthly basis every time,the premium amount i use to pay up to 2000 in an monthly basis,it is nominal.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 19, 2019
  • HDFC Life Life Insurance
    "Good for investment"
    0.5 5.0/5 "Blown Away!"
    HDFC Life is best as per my experience, their claim ratio is good. They are providing terminal premium for the critical illness, disability cover. I took the policy cover for Rs. 10 lakhs, I make the premium of Rs. 30,000 on quarterly basis it has term of 10 years. They do have life cover for certain demise.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2019
  • LIC Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using life insurance with Life insurance corporation of India, i have been holding three policy , the agent had clearly explain me account the policy benefit,and there coverage,the premium amount i use to pay on yearly basis,which they have charged me was nominal,and i use to get deducted from my account.
    Was this review helpful? 0
    , thane
    Reviewed on Jan 19, 2019
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