| Method | Speed | Details | Need Internet? |
|---|
| 🌐 Website | 2 min | Full ✅ | Yes |
| 📱 App | 1 min | Full ✅ | Yes |
| 💬 SMS | 5 min | Basic | No ✅ |
| 📞 IVRS Call | 5 min | Basic | No ✅ |
| 🏢 Branch | 30+ min | Full ✅ | No ✅ |
Method 1: LIC Website (Recommended)
1
Click "Customer Portal" or "e-Services" on the homepage.
2
Log In or Register
Existing user: Enter username/password. New user: Click "New User" → enter policy number, DOB, mobile → OTP verification → create password.
3
Click "Policy Details"
All your policies linked to your account will be listed. Click any policy to see full details.
✓
View Complete Status
See premium status, bonus, maturity date, nominee, loan details, and more.
Method 2: LIC Customer App
📱
Download App
Search "LIC Customer" on Play Store or App Store
🔐
Login
Same credentials as website portal
✅
View Policy
Tap any policy for full details + pay premium
Method 3: SMS (No Internet Needed)
📱 Send SMS from Registered Mobile:
ASKLIC STAT <Policy Number>
Send to: 9222492224 or 56767
Example: ASKLIC STAT 12345678
Reply: LIC sends back policy status, next premium due date, and status (active/lapsed)
Other SMS commands: ASKLIC PREMIUM <Policy No> for premium details, ASKLIC BONUS <Policy No> for bonus details, ASKLIC NOMINEE <Policy No> for nominee info.
Method 4: IVRS Phone Call
📞
1800-2579
Toll-Free (24/7 IVRS)
📱
9222492224
LIC Call Centre
Call and follow the IVRS prompts. Enter your policy number when asked. The automated system reads out your policy status, premium due date, and sum assured.
Method 5: Branch Visit
Visit your servicing LIC branch with your policy number and ID proof. The staff will provide a printed policy status report. This is the best option if you need official documents or have complex queries. Use the LIC Branch Locator to find your nearest branch.
What Details Can You See?
| Detail | Available? |
|---|
| Policy Status (Active / Lapsed / Paid-Up) | ✅ |
| Sum Assured & Plan Name | ✅ |
| Premium Amount & Frequency | ✅ |
| Next Premium Due Date | ✅ |
| Premiums Paid Till Date | ✅ |
| Bonus Accrued | ✅ |
| Maturity Date & Amount (approx.) | ✅ |
| Nominee Name | ✅ |
| Loan Outstanding (if any) | ✅ |
💡 Expert Tip (Haresh Hirapara): I strongly recommend every policyholder register on the LIC portal. It takes 5 minutes but gives you instant access to all your policy details. Two important things to check regularly: (1) Your nominee is correct — update after marriage/birth. (2) Your premiums are up to date — set a phone reminder 5 days before due date. If your policy shows "lapsed," don't panic — you can revive it within 5 years. Consult your LIC branch for any discrepancies in your policy status.
Frequently Asked Questions
How to check LIC policy status online?+
Visit licindia.in → Customer Portal → Login. Select your policy to see full status. New users: register with policy number, DOB, and mobile for OTP. Takes approximately 5 minutes to set up.
How to register on LIC portal?+
Go to licindia.in → Customer Portal → New User. Enter policy number, DOB, registered mobile. Verify OTP, create password. All policies linked to your mobile/email will be visible after login.
How to check LIC policy status by SMS?+
Send ASKLIC STAT <Policy Number> to 9222492224 or 56767 from your registered mobile. LIC replies with status, premium due date, and active/lapsed info. Standard SMS charges apply.
What details can I see in policy status?+
Policy status (active/lapsed/paid-up), SA, plan name, premium amount and frequency, next due date, premiums paid, bonus accrued, nominee, maturity date, and loan outstanding. The portal gives the most comprehensive view.
How to check if policy is active or lapsed?+
Log in to the portal/app — the "Policy Status" field shows "In Force" (active), "Lapsed" (premiums overdue), "Paid-Up" (reduced benefits), or "Matured". You can also call 1800-2579 with your policy number.
Can I check someone else's policy?+
You can only check policies registered under your credentials. For someone else's policy, you need their policy number and registered mobile for OTP. For a deceased person's policy, the nominee should visit the branch with the policy bond and death certificate.
⚠️ Disclaimer
This article is for educational and informational purposes only. LIC-Calculator.com is not affiliated with LIC of India. Portal URLs, SMS numbers, and procedures are approximate and based on publicly available information. Procedures may change. For official help, visit licindia.in or call 1800-2579.
This is not financial advice. Please consult your LIC branch for any policy-specific queries.