LIC Policy Status Check Online: Step-by-Step Guide

LIC (Life Insurance Corporation of India) policyholders can check their policy status online through multiple channels — the official LIC portal, SMS, and the UMANG app. This guide covers all methods to check your policy status, premium due dates, and policy bond details.

What Information Can You Check?

When you check your LIC policy status, you can view:

• Policy status — active, lapsed, paid-up, or matured
• Premium due date — next premium payment date and amount
• Sum assured — total coverage amount
• Bonus details — accumulated bonus on your policy
• Nominee details — registered nominee information
• Loan details — any outstanding loan against the policy
• Premium payment history — record of all premiums paid

Method 1: Check LIC Policy Status on licindia.in

Step 1: Register on LIC Portal

If you are a first-time user, you need to register:

1. Visit https://ebiz.licindia.in/D2CPM/
2. Click on New User or Register
3. Enter your Policy Number, Date of Birth, Mobile Number, and Email ID
4. Your mobile number and email must match the records linked to your policy
5. Set a password and complete registration
6. You will receive an OTP on your registered mobile — verify it

Step 2: Log In to Your Account

1. Go to https://ebiz.licindia.in/D2CPM/
2. Enter your User ID (registered email) and Password
3. Complete the CAPTCHA and click Login

Step 3: View Policy Details

1. After login, go to My Policies or Policy Details
2. Select the policy number you want to check
3. View complete details including:
   • Policy status (In Force / Lapsed / Paid-Up)
   • Premium amount and due date
   • Sum assured and maturity date
   • Bonus accrued
   • Nominee details

Method 2: Check LIC Policy Status via SMS

You can check basic policy details by sending an SMS from your registered mobile number:

1. Open your SMS app
2. Type: ASKLIC STAT
3. Send to 9222492224 or 56677
4. You will receive an SMS with your policy status

Other SMS commands:

Note: SMS must be sent from the mobile number registered with LIC against that policy.

Method 3: Check via UMANG App

The UMANG (Unified Mobile Application for New-age Governance) app provides LIC services:

1. Download UMANG app from Google Play Store or Apple App Store
2. Register using your mobile number and Aadhaar (optional)
3. Search for LIC in the app
4. Select Policy Status Enquiry
5. Enter your Policy Number and Date of Birth
6. View your policy status and details

Services Available on UMANG for LIC:

• Policy status enquiry
• Premium due calendar
• Premium payment
• Loan eligibility check
• Policy bond details

Method 4: Check via LIC Customer App

1. Download LIC Customer app from Play Store / App Store
2. Log in with your LIC portal credentials
3. All your linked policies will be visible
4. Tap on any policy to view full details

Understanding Your Policy Status

How to Check Premium Due Date

1. Log in to ebiz.licindia.in
2. Go to My Policies → select your policy
3. Check the Next Premium Due Date field
4. You can also view the Premium Calendar for the full year's schedule

Alternatively, send SMS: ASKLIC PREMIUM to 9222492224

How to View Policy Bond Details

Your policy bond is the official contract document. To view bond details online:

1. Log in to the LIC portal
2. Navigate to Policy Bond or e-Policy Bond section
3. Download your policy bond in PDF format
4. The bond contains: plan details, term, premium, sum assured, nominee, and terms & conditions

If you have lost your physical policy bond, you can apply for a duplicate at your LIC branch or request an e-policy bond through the portal.

Important Tips

1. Keep your mobile number updated with LIC — SMS services and OTP verification depend on it. Visit your nearest LIC branch to update contact details.
2. Register on the LIC portal even if you prefer offline services — it gives you 24/7 access to policy information.
3. Check premium due dates regularly to avoid policy lapsing. Set reminders a week before the due date.
4. Link all your policies to one account on the LIC portal for easy management.
5. Download your e-policy bond and save it securely — it serves as proof of your insurance contract.

Frequently Asked Questions

1. Can I check my LIC policy status without registration?

You can check basic status via SMS by sending ASKLIC STAT to 9222492224 from your registered mobile. For detailed information, portal registration is required.

2. What if my mobile number is not registered with LIC?

Visit your nearest LIC branch with your policy document and an ID proof to update your mobile number. You can also submit a written request with Form No. 3756.

3. Can I check someone else's LIC policy status?

No. For privacy and security, you can only check policies registered under your name or linked to your registered mobile number and email.

4. How do I find my LIC policy number?

Your policy number is printed on your policy bond document, premium receipts, and any correspondence from LIC. It is typically an 8-10 digit number.

5. What should I do if my LIC policy status shows "Lapsed"?

A lapsed policy can be revived by paying the overdue premiums along with interest. See our LIC policy revival guide for detailed steps.

6. Is the LIC online portal available 24/7?

The portal is generally available 24/7, but scheduled maintenance may cause temporary downtime, usually on weekends or late nights. SMS services are available round the clock.

7. Can I pay my LIC premium online after checking the status?

Yes. After logging into the LIC portal, you can directly pay your premium using net banking, debit card, credit card, or UPI. See our LIC premium payment guide for troubleshooting payment issues.

This guide is for informational purposes only. CitizenNest is an independent platform and is not affiliated with LIC or the Government of India. Always verify details on the official LIC website.