LIC Policy Status Check Online – 5 Easy Methods

Life Insurance Corporation of India (LIC) is the largest life insurance provider in India. If you hold an LIC policy, it is important to regularly check your policy status to know whether it is active, lapsed, or matured. This guide covers all official methods to check your LIC policy status online and offline.

What is LIC Policy Status?

LIC policy status tells you the current state of your life insurance policy. It shows whether your policy is:

• In Force – Policy is active and all premiums are paid
• Lapsed – Premium payments have been missed
• Paid-Up – Policy continues with reduced benefits after stopping premiums
• Matured – Policy term has ended
• Surrendered – Policy was terminated before maturity

Checking your policy status regularly helps you avoid policy lapse and ensures your family stays protected.

Information You Need

Before checking your LIC policy status, keep these details handy:

1. Policy Number – Printed on your policy bond document
2. Date of Birth – As registered with LIC
3. Registered Mobile Number – For OTP verification on the portal
4. Registered Email ID – Used during portal registration
5. PAN Card (for some services)

Method 1: Check LIC Policy Status on the Official Customer Portal

This is the most reliable method. LIC's customer portal gives you complete policy details.

Step 1: Register on the LIC Customer Portal

1. Go to https://customer.licindia.in/CustomerPortal/
2. Click on New User if you are visiting for the first time
3. Enter your Policy Number, Date of Birth, Mobile Number, and Email ID
4. Set a password and complete the registration
5. Verify your account through the OTP sent to your mobile and email

Step 2: Log In and Check Status

1. Go to the same portal and click Registered User
2. Enter your User ID and Password
3. Complete OTP verification
4. After login, go to Policy Info or My Policy section
5. Your policy status, premium due date, sum assured, bonus details, and loan details will be displayed

Tip: You can add multiple policies to a single portal account using the "Link Policy" option.

Method 2: Check via UMANG App

The UMANG (Unified Mobile Application for New-age Governance) app provides access to many government services including LIC.

1. Download the UMANG app from Google Play Store or Apple App Store
2. Register with your mobile number and set an MPIN
3. Search for LIC in the app
4. Select Policy Status from the list of LIC services
5. Enter your Policy Number and Date of Birth
6. View your policy status instantly

Official UMANG portal: https://web.umang.gov.in/landing/department/lic.html

Method 3: Check LIC Policy Status via SMS

LIC provides an SMS-based service for quick status checks.

1. Type: ASKLIC STAT Policy_Number
2. Send the SMS to 9222492224 or 56677
3. You will receive a reply with your policy status

Note: This SMS service works only from the mobile number registered with your LIC policy.

Method 4: Check via LIC's Official App (My LIC)

1. Download the My LIC app from Google Play Store or Apple App Store
2. Log in using your LIC Customer Portal credentials
3. Your linked policies will appear on the dashboard
4. Tap on any policy to see full details including status, premium schedule, and nominee info

Method 5: Call LIC Customer Care

If you prefer speaking to someone:

• Toll-Free Number: 1800-227-717 (BSNL/MTNL users)
• Paid Number: 069-66-006-709
• IVR Helpline: 1800-103-5433 (available 24x7)

Steps:

1. Call the helpline number
2. Select the language option
3. Choose the policy status option from the IVR menu
4. Enter your policy number when prompted
5. The system will read out your policy status

Offline Method: Visit Your LIC Branch

1. Visit the nearest LIC branch office
2. Carry your policy bond or note your policy number
3. Carry a valid photo ID (Aadhaar, PAN, Voter ID)
4. Request the branch officer to check your policy status
5. You can also submit a written request for a detailed policy statement

Find your nearest branch: https://licindia.in/Bottom-Links/Locate-Us

Fees

There are no charges for checking your LIC policy status through any of the above methods – online portal, SMS, app, or customer care.

Important Tips

• Keep your mobile number updated with LIC to receive OTPs and policy alerts
• Register on the customer portal even if you don't need it now – it saves time later
• Check status before premium due dates to avoid policy lapse
• If your policy has lapsed, you can revive it by paying overdue premiums with interest – visit your branch or check revival options on the portal
• Save your policy number in a safe place; you need it for every status check
• Update your nominee details periodically through the customer portal

Related Guides

• LIC Premium Payment Online — All Methods & Steps
• LIC Policy Surrender — How to Surrender and Get Money Back
• How to Open PPF Account Online
• National Savings Certificate (NSC) Guide

Frequently Asked Questions (FAQs)

1. Can I check my LIC policy status without registering on the portal?

Yes. You can use the SMS method (send ASKLIC STAT Policy_Number to 9222492224), the UMANG app, or call LIC customer care at 1800-227-717. However, the customer portal gives you the most detailed information.

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

A lapsed policy means premiums were not paid on time. You can revive your policy by paying the overdue premiums along with interest. Visit your nearest LIC branch or use the customer portal to check revival options. Revival is usually possible within 5 years of the first unpaid premium.

3. Is there any charge for checking LIC policy status online?

No. Checking your LIC policy status is completely free through all methods – the official website, UMANG app, SMS, mobile app, and customer care helpline.

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

No. You can only check the status of policies registered under your name or linked to your registered mobile number and email. For family members' policies, they need to register separately or you need their login credentials.

5. How do I link multiple LIC policies to one account?

After logging into the LIC Customer Portal, go to the Link Policy option. Enter the additional policy number and verify with OTP. All linked policies will then appear in your dashboard.

6. What details can I see when I check my LIC policy status?

You can view: policy status (active/lapsed/matured), sum assured, premium amount and due date, bonus accumulated, loan taken against policy, nominee details, and maturity date.

7. The LIC portal is not working. What should I do?

Try these steps: clear your browser cache, use a different browser (Chrome or Firefox recommended), or try during non-peak hours (early morning or late night). If the issue persists, use the UMANG app or call 1800-227-717 as alternatives.