LIC’s e-Services

LIC e-services enable customers to avail a wide range of services without having to visit the company branches. There are facilities for online payment, knowing the status of policies, loans, bonuses, as well as grievance registration, etc.

The Life Insurance Corporation of India has taken the initiative to offer its customers the quickest solutions to their life 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 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 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 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.

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LIC e-Services Reviews

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  • LIC Life Insurance
    "Best policy "
    0.5 5.0/5 "Blown Away!"
    LIC has offered a Jeevan Anand policy and i have taken for 5 year before. I am paying premium of Rs. 15,000 on quarterly basis which is sufficient. While getting a policy the agent has given me a clear policy details and their service was good and it has a good policy coverage.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 20, 2020
  • LIC
    LIC Life Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    On one year back, I have taken life insurance from LIC. Since the agent has recommended with all good benefits so I preferred this policy to apply. I have received the hard copy on time. The tenure period of 15 years 2021 getting maturity and i am paying premium on quartely 40,000 which am paying to the agent. It covers up to myself with the sum assured of 7.5L.
    Was this review helpful? 0
    , tirupur
    Reviewed on Mar 20, 2020
  • Max Life Insurance
    "Good insurer"
    0.5 3.0/5 "Satisfactory"
    I taken a life insurance in MAX LIFE on 6 months back. It covers up to myself with tenure period of 35 years. To pay the premium amount there is additional criteria like accidental and for an emergency purpose can do claim at any time, so total amount need to pay of 18K on yearly. They have tied up with many hospitals.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 20, 2020
  • LIC Life Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I have taken life insurance policy of Jeevan Bhima for the tenure of 15 years .The premium is paid through yearly basis and premium is paid by myself through lic office only.This policy is stil active and the policy features and benefits was clealry shared by the agent .
    Was this review helpful? 0
    , indore
    Reviewed on Mar 20, 2020
  • Bharti Axa Life Life Insurance
    "Good service "
    0.5 4.0/5 "Great!"
    On 5 months before taken a life insurance from BHARTI-AXA. The tenure period of 15 years plus 5 years of maturity. My friend has suggested this policy to apply and I received the hard copy on time. The premium amount of 21K need to pay on yearly. The coverage amount of 10L if an emergency or accidental happen other 10Lis applicable. The charge is high when compared to other.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 19, 2020
  • LIC Life Insurance
    "Good "
    0.5 4.5/5 "Excellent!"
    I have taken a life insurance in LIC on 6 years before. The policy of tenure period of 20 years. I am paying premium on half yearly package the amount of 8K which is nominal. While getting a policy my agent has given an information about the policy details. It covers up to myself.
    Was this review helpful? 0
    , darbhanga
    Reviewed on Mar 19, 2020
  • LIC Life Insurance
    "Secured policy"
    0.5 4.5/5 "Excellent!"
    I got Money Back policy from LIC. It was taken on 14 years back. The tenure period of 20 years. The premium amount need to pay on half yearly basis of 2,480 rupees. Evey 5 years I get good returns from their end. So far I have not faced any charge. I use to remainder and update from my agency.
    Was this review helpful? 1
    , darbhanga
    Reviewed on Mar 19, 2020
  • LIC Life Insurance
    "Good"
    0.5 4.5/5 "Excellent!"
    I took a life insurance for myself only from LIC. The policy of Jeevan Mithra which I need to pay of 10K on quarterly basis. I took this policy on 15 years back, when I was a student took this insurance so all the details got from their end on time. Only for investment taken this policy.
    Was this review helpful? 0
    , darbhanga
    Reviewed on Mar 19, 2020
  • LIC Life Insurance
    "Good service"
    0.5 4.5/5 "Excellent!"
    LIC has offered a life insurance for my children. It covers my kids only. It was taken on 2015 which is good policy. The tenure period of 20 years. Agent has given all the details about the policy and also provided hard copy documents on time. The premium amount to pay of around 3K.
    Was this review helpful? 0
    , darbhanga
    Reviewed on Mar 19, 2020
  • LIC Life Insurance
    "Good policy "
    0.5 4.5/5 "Excellent!"
    For my spouse I taken a life insurance policy from LIC on 3 years back. It covers only for her. The tenure period will be 20 years. I use to pay the premium amount of 20K per annum. Since somebody suggested about this policy so I opted for it. The policy is Jeeven Anandh.
    Was this review helpful? 0
    , darbhanga
    Reviewed on Mar 19, 2020
  • LIC Life Insurance
    "Good insurer"
    0.5 4.5/5 "Excellent!"
    I taken a life insurance from LIC on 7-8 years back. They have given the policy of Jeevan Anandh which was covered only for myself. The premium amount which I need to pay of 6K around. The agent has given all the details about this policy. So far I have not faced any charge. To pay the amount I visit branch directly. The tenure period of 20 years.
    Was this review helpful? 1
    , darbhanga
    Reviewed on Mar 19, 2020
  • LIC Life Insurance
    "Good insurer"
    0.5 5.0/5 "Blown Away!"
    I got a money back policy from LIC hence taken on 12 years back. I am paying premium on quarterly package the amount of 6K which is nominal. While getting a policy the agent has given an information about all details and received the hard copy documents on time. It covers up to myself only.
    Was this review helpful? 1
    , rajahmundry
    Reviewed on Mar 18, 2020
  • LIC Life Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    My Aunt is working in LIC, she only suggested me to take this Life Insurance policy. I am paying annual premium of Rs. 30,000 which is auto debited from my account. This policy benefits are clearly explained to my mom and she knows it better than me. Its a money back policy taken last 2 years back.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 18, 2020
  • LIC Life Insurance
    "Good insurer"
    0.5 5.0/5 "Blown Away!"
    On one year back, I have taken life insurance from LIC. Since the agent has recommended with all good benefits so I preferred this policy to apply. I have received the hard copy on time. The tenure period of 20 years. I need to pay the premium on monthly of 3K which am paying to the agent. It covers up to myself with the sum assured of 5L.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 17, 2020
  • LIC Life Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I have taken life insurance policy through lic agent .This was a maturity benefit policy and the policy tenure is for 15 years and the premium is paid on yearly basis .I am using net banking service as well as mobile banking service both are very user friendly .This was taken for my family benefits and customer service was good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 16, 2020
  • Max Life Insurance
    "Better Policy"
    0.5 5.0/5 "Blown Away!"
    Taken the life insurance policy with MAX company around 8 years ago. My colleague is suggested me to take the policy from here. The claim ratio is more compared to others. I am paying the premium amount of Rs. 15000 and i will get a sum assured amount of Rs. 3.5 lakhs. In online, i will pay the premium amount without any hassle.
    Was this review helpful? 0
    , nasik
    Reviewed on Mar 16, 2020
  • Reliance Life Life Insurance
    "Average Policy"
    0.5 4.0/5 "Great!"
    Purchased my Reliance life insurance policy last 3 years before. My friend is working as an agent hence he suggested me to take this policy here. Yearly, I'm paying the premium amount of Rs. 15000. They are giving me a sum assured amount of Rs. 2.5 lakhs for the term period of 10 years plan. This policy has tax benefits also.
    Was this review helpful? 0
    , nasik
    Reviewed on Mar 16, 2020
  • Max Life Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I have taken life insurance policy through Max life insurance .This policy tenure is10 years and the premium was paid on yearly through ECS mode.The policy features and benefits are well known to me since working with Max.I am satisfied with my policy.
    Was this review helpful? 0
    , dehradun
    Reviewed on Mar 16, 2020
  • Max Life Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I have taken Life Insurance policy through Max Life insurance .Since working with max life i know the policy features and benefits.This policy is monthly income plan and for the tenure of 10 years .This policy premium is paid on yearly basis .I am paying the premium on ecs mode and it is totally for family benefits.I am paying the premium of rs.30,000.
    Was this review helpful? 0
    , dehradun
    Reviewed on Mar 16, 2020
  • Max Life Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I have taken life insurance policy directly through Max life since i am working with them .This was a monthly income plan and it is availed for family benefits only.I am paying the premium on ECS mode and the premium amount was Rs.50,000.The policy details was clearly shared by the agent and i am satisfied with the service .
    Was this review helpful? 0
    , dehradun
    Reviewed on Mar 16, 2020
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