Life Insurance Corporation of India (LIC) is one of the most trusted names in the Indian insurance sector. Established in 1956, it has played an essential role in providing financial security to millions of families across India. If you’re one of the policyholders, there may come a time when you need to check your LIC policy details or obtain a statement for personal or professional reasons. Fortunately, LIC has made this process simple and accessible by allowing customers to check their policy details and statements online.
This guide will walk you through everything you need to know about checking your LIC policy details and statements online. Whether you want to know your policy status, premium payment records, or any other details, this step-by-step guide will make the process smooth and hassle-free.
Part 1: Understanding LIC’s Online Services
Before we dive into how you can check your LIC policy details and statement online, let’s first understand what services LIC offers to policyholders through its online platform.
1. LIC e-Services Portal
LIC provides an online portal called LIC e-Services where policyholders can manage their policies, track premium payments, download policy-related documents, and access various other services. The e-Services portal has made it much easier for policyholders to get information and perform tasks without having to visit LIC branches in person.
You can access the LIC e-Services portal through the official LIC website. It’s available 24/7, allowing you to access your policy details anytime and from anywhere, making it incredibly convenient.
2. LIC Mobile App
LIC also offers a mobile app that gives policyholders access to their policy details on the go. The LIC mobile app is available for both Android and iOS devices. Once installed, you can easily check your policy details, premium payments, and other relevant information right from your phone.
The app is user-friendly, and it syncs with the online portal, so any changes or updates made online will reflect immediately on the app as well.
Now that you understand the services provided by LIC, let’s get into how you can check your LIC policy details and statements online.
Part 2: How to Check LIC Policy Details & Statement Online
There are multiple ways to check your LIC policy details and statement online, and we’ll discuss the most common methods here. Whether you prefer using the LIC website or the LIC mobile app, you can get access to the information you need in just a few steps.
Method 1: Checking LIC Policy Details & Statement on the Official Website
Step 1: Visit the LIC Website
To begin, you’ll need to visit the official LIC website at www.licindia.in. Once you land on the homepage, look for the “Online Services” tab, which will direct you to a range of services available to policyholders.
Step 2: Register for e-Services (If You Haven’t Already)
If you haven’t registered for LIC’s online services yet, you will need to do so before you can access your policy details and statements. To register, follow these steps:
- Click on the “Customer Portal” option under the “Online Services” section.
- On the next page, click “New User? Register Here.”
- Fill in your details such as your LIC policy number, email ID, mobile number, and other relevant information.
- Create a user ID and password for your account.
- Once registered, you’ll receive a confirmation email or SMS with a verification link or code. Follow the instructions to verify your account.
Step 3: Log In to Your LIC Account
Once you’ve registered, you can log in to your LIC account using your user ID and password. On the e-Services page, click the “Login” button and enter your credentials to access your account.
Step 4: View Your Policy Details
After logging in, you will be able to see a list of all your LIC policies. Choose the policy for which you want to check the details. You can view the following information:
- Policy Number
- Policy Type
- Sum Assured
- Premium Due Date
- Premium Amount
- Policy Status
- Payment History
- Policy Term
- Nominee Details
Step 5: Download Your LIC Statement
To download your LIC policy statement, simply click on the “Download” button next to your policy details. This will give you a detailed statement of your policy, including information such as premium payments made, the outstanding balance, and any other relevant data.
You can save this statement in PDF format or print it out for your records.
Method 2: Using the LIC Mobile App
For those who prefer to use mobile devices to check their LIC policy details and statements, the LIC mobile app is a great option.
Step 1: Download the LIC Mobile App
First, download the LIC Mobile App from the Google Play Store (for Android users) or the Apple App Store (for iOS users). Search for “LIC Mobile App” and click on the download button to install the app on your device.
Step 2: Register or Log In
Once the app is installed, open it and either log in to your existing account or register a new account if you don’t already have one. You will need your LIC policy number, email ID, and other personal details to register.
If you’re a new user, follow the registration steps outlined above to create your account and set up a password.
Step 3: View Policy Details
After logging in, you will see a list of your LIC policies. Tap on the policy you wish to check. The app will display all the policy details, including:
- Policy Number
- Policy Type
- Premium Amount
- Payment History
- Next Premium Due Date
You can also view and download your statement from the app by selecting the “Statement” option and choosing the date range for which you want to download the statement.
Method 3: Checking LIC Policy Details & Statement via SMS
If you don’t have access to the internet or prefer not to use an app, you can also check your LIC policy details and statement via SMS.
Step 1: Send an SMS to LIC
LIC offers an SMS service that allows policyholders to get basic details about their policy. To get the policy status or premium due date, send an SMS in the following format:
- For Policy Status: Type “ASKLIC ” and send it to 9222492224.
- For Premium Due Date: Type “DUE ” and send it to 9222492224.
LIC will reply with the requested information, including your policy status or premium due date.
Please note that this method does not provide as much detail as the online portal or mobile app, but it’s a quick way to get basic information.
Part 3: Additional Tips and Benefits of Checking Your LIC Policy Details Online
1. Keep Track of Your Premium Payments
Checking your LIC policy details online regularly allows you to keep track of your premium payments. You can easily monitor if any premiums are pending, and avoid any policy lapses or penalties.
2. Stay Updated on Policy Status
It’s essential to be aware of your policy status. Checking your LIC policy details online allows you to ensure your policy is active and up-to-date. If there are any issues, you can contact LIC customer support directly.
3. Hassle-Free Access to Statements
Accessing your LIC policy statement online means you don’t need to wait for physical statements to arrive by post. You can download and print your statements instantly, saving time and effort. This can be especially helpful when applying for loans, tax filings, or just tracking your investments.
4. Reduce Paperwork
By opting for online access to your LIC policy details and statements, you can significantly reduce paperwork. The digital records are stored safely and can be accessed whenever needed, without worrying about losing physical documents.
5. Convenience and 24/7 Availability
One of the key benefits of checking your LIC policy details and statement online is the convenience it offers. Whether it’s early morning or late at night, you can access your information anytime, anywhere. No need to visit a branch or wait for working hours to get information.
Conclusion
Checking your LIC policy details and statement online is not only a convenient option but also a smart one. With the LIC e-Services portal and mobile app, you have easy access to important policy information right at your fingertips. Whether you need to track your premium payments, view your policy status, or download a statement, the online services provided by LIC make managing your policy simple and hassle-free.
By following the methods outlined in this guide, you can effortlessly keep track of your LIC policy, stay informed, and ensure that your financial protection is always up-to-date. So, the next time you need to check your LIC policy details or obtain a statement, you can confidently do so online – anytime, anywhere!
