How to Check Your LIC Policy Status Online- A Complete Guide

Mini Balakrishnan

• May 22, 2025
• 11 min read
• Insurance

Life Insurance Corporation of India (LIC) is one of the most trusted insurance providers in the country, offering a range of policies to secure the financial future of individuals and families. Keeping track of your LIC policy status is crucial to ensure timely premium payments, avoid policy lapses, and monitor maturity benefits. Instead of visiting a branch, LIC now offers convenient online methods to check policy details instantly, saving time and effort for policyholders.

With digital access, policyholders can easily track their policy status anytime, ensuring they stay updated on due dates, policy maturity, loan availability, and bonus details. This not only helps in better financial planning but also prevents missed payments that could lead to policy termination. In this guide, we’ll explore the step-by-step process to check your LIC policy status online through various methods.

Why Should You Check LIC Policy Status Regularly?

Regularly checking your LIC policy status ensures that you never miss a premium payment, preventing policy lapses and maintaining continuous coverage. It also helps in tracking maturity dates, loan eligibility, and accumulated bonuses, allowing for better financial planning.

Additionally, staying updated on your policy status lets you monitor claim progress and keep nominee details accurate, ensuring a smooth settlement process for your loved ones. Keeping track of these details online saves time and avoids last-minute hassles.

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

Checking your LIC policy status online is quick and hassle-free, ensuring you stay updated on your policy details without visiting a branch.

Through the LIC e-Services Portal

LIC policyholders can easily check their policy status online by logging into the LIC e-Services Portal. This platform provides a hassle-free way to access policy details, premium due dates, and claim status. Follow these steps to check your policy status:

1. Visit the LIC Website – Go to the official LIC India website (www.licindia.in).
2. Click on ‘Customer Portal’ – Find this option on the homepage and click to proceed.
3. Log in with Your Credentials – Enter your registered User ID, password, and the captcha code to log in.
4. Select Your Policy – Once logged in, navigate to the ‘Policy Status’ section.
5. View Your Policy Details – Check premium due dates, maturity dates, bonus details, and claim status.

This method ensures that all crucial policy details are accessible anytime without needing to visit a branch.

Through the LIC Mobile App

LIC also offers official mobile apps for policyholders, making it easier to track policy details on the go. The LIC Customer App and LIC PayDirect are the two primary apps available for both Android and iOS devices.

1. Download the App – Search for ‘LIC Customer’ on the Google Play Store or Apple App Store and install it.
2. Log in or Register – Open the app and log in using your LIC customer portal credentials. New users can sign up with their policy details.
3. Access Policy Information – The app allows you to check policy status, track premium due dates, and view claim details.
4. Make Payments & Set Reminders—The LIC PayDirect app enables quick premium payments and provides payment reminders to prevent lapses.

Using the LIC mobile app ensures that policyholders can access their policy details, make payments, and receive alerts anytime, anywhere.

How to Check LIC Policy Status? (For New Users)

New users need to register on the LIC e-Services Portal before they can check their policy status online. Here’s a step-by-step guide to creating an account and linking policies:

Step-by-Step Guide to Register on LIC’s Portal

1. Visit the LIC Website – Go to www.licindia.in and click on the ‘Customer Portal’ option.
2. Select ‘New User’ – Click on ‘New User’ to begin the registration process.
3. Enter Your Details – Provide your policy number, date of birth, mobile number, email ID, and PAN card details (if applicable).
4. Create a User ID & Password – Set up a secure User ID and password for future logins.
5. Verify Your Account – LIC will send an OTP to your registered mobile number/email for verification. Enter the OTP to complete registration.
6. Log in to the Portal – Use your new credentials to sign in and access your policy details.

Linking Multiple Policies Under One Account

Once registered, you can link multiple LIC policies to a single account for easy management:

1. Log in to the Customer Portal with your User ID and password.
2. Go to ‘Enroll Policies’ – Select this option to add additional policies under the same account.
3. Enter the Policy Numbers – Provide the policy numbers you want to link.
4. Verify & Submit – LIC will verify the details, and once approved, all policies will be accessible from one account.

By following these steps, new users can create an account, link multiple policies, and conveniently check their LIC policy status online.

How to Check LIC Policy Status Without Registration

If you don’t want to register on the LIC portal, you can still check your policy status using LIC’s SMS service. This method is quick and convenient, allowing policyholders to get essential policy details without logging in.

Through SMS Services

LIC provides an easy way to check policy details via SMS. Simply send a message in the specified format to the LIC SMS number, and you’ll receive an instant response with the required information.

To check your policy status via SMS:
Type ASKLIC <Policy Number> and send it to 56767877

Other SMS Services Available

Apart from checking policy status, LIC offers various SMS-based services:

This method allows policyholders to access crucial policy information instantly without needing an internet connection or online account.

Through Customer Care & IVR

LIC also provides toll-free customer care services and IVR (Interactive Voice Response) to help policyholders check their policy status without online registration. This method is ideal for those who prefer direct assistance or don’t have internet access.

Checking Policy Status via IVR

LIC’s IVR service allows customers to check their policy details, premium due dates, loan eligibility, and more by following automated voice instructions. To use this service:

1. Dial the LIC IVR number – Dial 1251 (from a landline or mobile) within India.
2. Follow the Voice Prompts – Select your preferred language and follow the instructions.
3. Enter Your Policy Number – Provide your policy number when prompted.
4. Receive Policy Details – The system will provide details like policy status, premium due date, and other relevant information.

LIC Customer Care Support

For further assistance, policyholders can contact LIC’s customer care representatives through toll-free helplines:

LIC’s customer support team can assist with policy-related queries, premium payments, maturity claims, nominee details, and more. Whether through IVR or direct customer support, policyholders can conveniently access all necessary information about their LIC policies.

Benefits of Checking LIC Policy Status Regularly

Regularly checking your LIC policy status ensures that you stay updated on important details like premium due dates, claim status, maturity benefits, and nominee details. This habit helps in better financial planning, avoiding policy lapses, and ensuring smooth claim settlements. Below are the key benefits of keeping track of your LIC policy status:

Avoid Policy Lapse

Timely tracking of your LIC policy status helps you make on-time premium payments, preventing your policy from lapsing. Missing premium payments not only disrupts your insurance coverage but also requires additional effort and formalities for policy revival. Checking your policy status regularly ensures you receive reminders and never miss a due date.

Track Maturity & Claim Status

Knowing your policy maturity date allows for better financial planning, ensuring you can access funds when needed. Additionally, checking the claim settlement status keeps you informed about payouts, reducing any last-minute hassles in case of policy maturity, surrender, or death claims.

Instant Access to Policy Details

With online services, policyholders can view details such as sum assured, next due date, policy term, and accrued bonuses without visiting an LIC branch. This 24/7 access to policy information eliminates the need for physical paperwork and makes insurance management more convenient.

Update Personal & Nominee Details

Keeping your nominee details up to date ensures that claims are processed smoothly and reach the right beneficiary. Additionally, policyholders can update their contact information and address to avoid missing important notifications regarding policy renewals, bonuses, and maturity payouts.

Better Financial Planning

Regular policy tracking helps align your insurance coverage with your long-term financial goals. By staying informed, policyholders can plan for:

• Renewals and policy upgrades
• Loans against policies
• Expected returns from maturity benefits

This proactive approach ensures that insurance remains an effective part of your financial security.

Easy & Convenient Access

LIC offers multiple ways to check policy status, including the LIC customer portal, mobile app, SMS services, and customer care helpline. These methods save valuable time compared to visiting LIC offices, making policy tracking quick, hassle-free, and accessible from anywhere.

By regularly checking your LIC policy status, you can stay in control of your insurance plans, ensure timely payments, and safeguard your financial future effortlessly.

Common Issues and Solutions When Checking LIC Policy Status Online

While checking LIC policy status online is usually smooth, users may sometimes encounter issues related to login, unregistered policies, or technical glitches. Here are some common problems and their solutions:

Forgot Password or Username (Login Issues)

Many users forget their LIC e-Services username or password, making it difficult to log in.

Solution:

1. Go to the LIC Customer Portal (www.licindia.in).
2. Click on ‘Forgot Password’ or ‘Forgot Username’ on the login page.
3. Enter your registered email ID or mobile number to receive a reset link or OTP.
4. Follow the instructions to reset your password or retrieve your username.

Unregistered Policy in Customer Portal

Sometimes, after logging in, users may not see their policy details because the policy is not linked to their account.

Solution:

1. Log in to your LIC e-Services Portal.
2. Click on ‘Enroll Policies’ under your profile.
3. Enter your policy number, date of birth, and other details.
4. Submit the request and wait for LIC to verify and link your policy.

Mobile Number Not Updated

If your registered mobile number is outdated, you won’t receive OTPs or important SMS updates about your policy.

Solution:

• Visit the nearest LIC branch and submit a request to update your mobile number.
• Alternatively, contact LIC customer support to check if updates can be processed online.

Incorrect Policy Number or Details

Entering incorrect details like policy number, date of birth (DOB), or registered mobile number can prevent access to policy information.

Solution:

• Double-check and enter the correct policy number and DOB as per your LIC documents.
• Ensure the details match the ones provided during policy purchase.

LIC Website Not Loading or Showing Errors

Sometimes, the LIC website may be slow, unresponsive, or show server errors due to high traffic.

Solution:

• Try accessing the website after some time.
• Clear browser cache and cookies, then reload the page.
• Use a different browser or try opening the site in incognito mode.

No Response from LIC SMS Service

Users may not receive an SMS reply when checking their policy status using the ASKLIC SMS service.

Solution:

• Ensure you are using the correct SMS format:
  Type ‘ASKLIC ’ and send it to 56767877 or 9222492224.
• Check if your mobile plan allows outgoing SMS services.
• Wait for some time, as responses may take a few minutes due to network congestion.

Customer Portal Registration Issues

New users may face difficulties in signing up for the LIC portal due to incorrect details or OTP verification issues.

Solution:

• Ensure you enter accurate policy details during registration.
• Check your email spam/junk folder if you haven’t received a verification email.
• Make sure your mobile number is updated to receive OTPs.

By following these solutions, policyholders can easily resolve common LIC policy status check issues and ensure seamless access to their policy details.

Conclusion

Regularly checking your LIC policy status is essential to stay informed about premium payments, maturity benefits, nominee details, and claim status. It helps prevent policy lapses, ensures smooth claim settlements, and supports better financial planning.

For a hassle-free experience, policyholders are encouraged to register for LIC e-Services, which provides instant access to policy details, premium tracking, and online updates—all from the comfort of home. With multiple convenient options like the LIC portal, mobile app, SMS, and customer care, managing your policy has never been easier!