Many of LIC policyholders might be struggling to get their status. Because they feel it is cumbersome to visit LIC Office, contact agent or creating login to check on LIC Portal. But do you know we can check LIC Policy status without registration through Mobile Phone or SMS?
You can check your LIC Policy status by going online, registering your policy account details and all those. Because there is a possibility (in many cases) of forgetting the password or username itself. However, below I will explain you how to check your policy status without registration using your mobile phone or SMS facility.
What you need to avail these facilities?
1) Mobile phone (For calling or sending SMS) or Land phone (For calling).
2) You must know your policy number.
1) Check LIC Policy Status without registration by calling to LIC’s IVRS (Interactive Voice Response System)–
LIC offers you IVRS calling. This you can use for getting your policy status without any manual intervention. As I said earlier, policy registration is not at all required for this.
For making a local call from any MTNL or BSNL number simply dial 1251 and for other than local users IVRS can be accessed by dialling the city STD code of the IVRS center followed by 1251.
When you call to this number, the only information you need to know is your policy number. You can check your policy status, loan availability, bonus accumulated and few more other policy status details.
I checked dialling 1251 from my BSNL landline and it worked fine and within a second I got the status of the policy which I need. However, when I tried to dial from my non-BSNL mobile phone (using the Bangalore area code of 080 followed by 1251), I found it was not working. I don’t know what may be the reason.
This I felt a negative point of this facility. Because it worked fine from a landline but not from a mobile phone. Along with that LIC also claiming, “To know Policy details through IVRS, simply dial 1251 available 24×7 in the following cities.”This means the 1251 policy status inquiry facility is not available for 24X7 for other cities. If yes, then LIC not provided any details about the timing for other than below listed city customers. Anyhow, this facility is available for 24X7 for below-mentioned cities.
Asansol, Allahabad, Aurangabad, Bareilly, Coimbatore, Dharwad, Gorakhpur, Gwalior, Hazaribagh, Jodhpur, Jammu, Kozhikode, Kota, Kolhapur, Meerut, Mysore, Nashik, Patna, Pondicherry, Rajkot, Ranchi, Salem, Surat, Shillong, Shimla, Thanjavur, Vadodara and Varanasi.
Here it is not clear whether the rest of the cities are not able to get this service 24X7 or not. Also, the cities mentioned particularly are not big cities. Hence, doubt also is there, whether apart from a metro and other big cities, this facility will be available for the above-listed cities or not.
Anyhow, I checked from Bangalore BSNL Landline and it is working perfect. Let me know some user experience with this.
2) Check LIC Policy status without registration through SMS-
You check your policy status by sending SMS. Here also you no need to register your policy number. Just from a mobile number you have to send SMS with predefined short and long codes. Below are the codes for the same.
PREM (Premium)-To check the premium due for your policy.
REV (Revival) -If a policy already lapsed, then to check the revival amount payable.
BONUS-Amount of bonus accumulated as of today.
LOAN-Amount of loan you can avail from your policy
NOM (Nomination) -To know the details of a nomination.
For example, to know the premium due for any particular policy, then send the SMS in below format.
ASKLIC <POLICY NO> PREM
To 56767877 (with short code) or 9222492224 (with long code).
I checked using a lapsed policy and I immediately received the message as “Contact Branch”. Tthis is a great initiative 🙂
If you have a pension policy with LIC, then you can check the details of that policy as below.
STAT-IPP Policy status
ECDUE-Existence certificate due
ANNPD-Last pension released date
PDTHRU-Pension payment through (CHQ/ECS/NEFT)
AMOUNT-Pension amount
CHQRET-Cheque return information
For example, to know the IPP policy status, then send the SMS as below.
ASKLIC <STAT> STAT to 56767877
I felt SMS facility more convenient than the IVRS facility and want to know from all you about the user experience of these two facilities of LIC to check the policy status without registration.
Video Tutor Guide-How to fill Form 15G and Form 15H?
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Kathleen
I have made payment for all my policies but do not have receipts for the payments, can I get a statement of the payments made for all the policies ?
Basavaraj Tonagatti
Dear Kathleen,
Yes, visit the branch.
Santosh Kumar Yadav
Hello sir,
How i can check my policy details online . Please give me the exact links
Basavaraj Tonagatti
Dear Santosh,
Refer above post.
Santosh Kumar Yadav
Which above post, kindly type that links and send me ASAP
Basavaraj Tonagatti
Dear Santosh,
Yes, above post.
Santosh Kumar Yadav
Which above post, kindly type that links and send me ASAP.
B H Vyas.
can you help my father policy sum assured amount?
Basavaraj Tonagatti
Dear Vyas,
Approach the nearest branch.
Gurjant Singh
Sir,how I can check claim status of our policy without registration because I am facing many problems while registration process.
Basavaraj Tonagatti
Dear Gurjant,
No option but to run behind the branch.
Raj
Hi, I have surrendered my policy 2 weeks back. Still, I am waiting for settlement. Is there a way I can check status of my policy online?
Basavaraj Tonagatti
Dear Raj,
Sadly NO.
Vishwajeet singh
I have not registered online but when I sign up got that you are a existing user and when login with forgot user ID or password found that you are not a existing user.
Basavaraj Tonagatti
Dear Vishwajeet,
Hard to predict. Better to visit the nearest branch and resolve the issue.
birbal ram sharma
Sir how to check my policy statements and registr mobile number
Basavaraj Tonagatti
Dear Birbal,
Your mobile number has to be linked to LIC Policy. Hence, connect with your servicing branch for the same.
Kamal singh solanki
Sir how to check my policy statements
Basavaraj Tonagatti
Dear Kamal,
Visit the nearest LIC Branch.
geetanjali
If i surrender my policy now. will i loose money?
Basavaraj Tonagatti
Dear Geetanjali,
You better be in touch with regional EPFO or your home branch.
padma
why cant lic update its portal.to find status of policy why only bsnl landline required.why not a mobile no.?
Basavaraj Tonagatti
Dear Padma,
Valid question but sadly LIC is slow in service point of view 🙂
Krishna Kumar
Out of 4 survival benefits due after 5, 10, 25 and 20 years, so far only one survival benefit has been received by me. When contacted the lic customer care it was revealed that all survival benefits stars paid in their record. All premiums have been paid and the policy is in force. One last premium is to be paid and next year is the maturity date. Please guide me what to do? The cheques of survival benefits benefits will be lying in branch?
Basavaraj Tonagatti
Dear Krishna,
Better to be in touch with home branch personally to resolve this issue.
Piyush Shah
Sir… My father is no more… they get 4548 Rs. every year from lic…. but we can’t have any documents…. In LIC we try to check through birth date… But they are telling us (We don’t have any record for this policy)… As per my knowledge this policy will be jivan dhara…. Since last 8 months i m trying to findout policy no… Still wait… no one is getting reply… What to do
Basavaraj Tonagatti
Dear Piyush,
Why not contact the concerned LIC Branch?
S RAJU
dear sir,
how can i get lic statement by giving lic policy number
Basavaraj Tonagatti
Dear Raju,
Check with the concerned insurer.
Jyothi
Hello Sir, i have taken jeevan sneha policy in 2000 with annual premium around 7000/- p.a. But after 3 premium, i was not able to continue the policy due to some financial crises.. What will be the amount i can get from LIC by surrendering the same.. also tell me the procedure of surrender & tell me the code to know the above said details via SMS
Basavaraj Tonagatti
Dear Jyothi,
Approach the branch with your LIC documents or number at least.
Arivazhagan A
Hello,
I have surrendered my policy for settlement. Its been more than three weeks now and i have not received my settlement amount. Branch manager is saying there are no issues and they dont know why it is not credited yet. The policy was under loan and i have not paid few months premium at the time of surrendering. But they said its will be taken care of, that they will deduct the necessary amount from the settlement and credit the balance amount. Is this the usual amount of time taken for settlement in this kind of cases?
Thanks,
Arivazhagan A
Basavaraj Tonagatti
Dear Arivazhagan,
Check to which account they transferred the money. Many a times they mess up in transferring to wrong bank account.
Arivazhagan
Basavaraj, thanks for the quick response. They havent credited the amount yet. The policy status is still showing as settlement in progress when they checked. I have given neft details and even received a sms alert on my neft account details i submitted. Is three weeks an usual time taken in my case. Do i have to wait more or should approach any dept? I have already submitted a grievience form and it doesnt seems speeden up the process.
Thanks,
Arivazhagan
Basavaraj Tonagatti
Dear Arivazhagan,
I think something wrong. It hardly takes more than a week time. Please check with LIC branch by personally visiting.
Ravi Kokode Kokode
Dear sir,
i have completed my 5 years lic policy plane 815 WHEN i opened i did not know about this policy but agent has opened for 30 years of mutrity therefore i want to surrender my policy tell me what can i do ?
Basavaraj Tonagatti
Dear Ravi,
If you want to surrender, then what can I tell you?
Sunaina Chauhan
Hi There,
My father had a Jeevan Bima policy for himself, our mother and us both his children. He passed away last year and my brother has not shared any documents with me. How can I know about the status of the policies.
Thanks in advance for your help.
Basavaraj Tonagatti
Sunaina-You can be in touch with branch or agent to identify the policy number.
Prasad
Hi, I had applied for surrender of policy can anybody help me in telling that how much days it takes to get back money transfer by lic in our account.
Basavaraj Tonagatti
Prasad-Hardly within a week.
Lakhan
Hi, I want to know the status of my lapsed policy no.XXXXXXXXXXXXXXXX
Basavaraj Tonagatti
Lakhan-Please don’t share any of your personal details on such public platforms. Regarding the status, follow above post and check the status.
pramod
Ur site dosent work propely..i want to find my next premium….bt m nt getting any help…pls suggest
Basavaraj Tonagatti
Pramod-My site or LIC site?
Hemalatha
364359260 is my policy number I have to know about status because I am paying premium correctly without fail for every three months but for me message coming that premium not paid from six months my agent said I paid iam giving amount to my agent correctly he not given bills so please send my status
Basavaraj Tonagatti
Hemalatha-Instead of believing on an agent, why can’t approach the branch and get the updates?
SANTOSH BHISTE
SIR,
Premium- Rs. 3422
term- 17 Yrs.
Date of starting- 09/05/2008
Premium Paid- Yearly (9 Yrs. cont. without miss)
Enrolled this plan as agent suggested. Now, I want to do a new term plan & will surrender this. What are the merits/demerits I’ll get after surrender? when it is suitable time to surrender without losing my money.
Plz help me out with your needful suggestions .
Basavaraj Tonagatti
Santosh-You completed almost 9 years of policy and left with another 8 years. Better to turn it as paid up.
Dillip Kumar Nanda
Dear Sir,
I am Lic customer, my policy no-574922886
please tell me my policy status. How much my maturity amount at this stage …………
I have already paid since 3 years money back plan .
Basavaraj Tonagatti
Dilip-Use the above process or contact customer care.
Arun
Dear Sir/Madam
I have three policies & I want to know how much the total maturity amount I will get as of now for each of these 3 policies separately.
Thanking you
Basavaraj Tonagatti
Arun-Use the above method or contact the nearest LIC branch. Never share your personal data on such public platform. Hence, deleted your policy details.
prakash moharana
Sir my Lic no is 581408789 now going to mature..plzz sir tell me my maturity amount
Basavaraj Tonagatti
Prakash-Check with the branch.
panakaj
this information been very helpful to me
Basavaraj Tonagatti
Pankaj-Pleasure 🙂
prabu
Hi Sir, What is my policy status?
Basavaraj Tonagatti
Prabhu-Check it by referring above procedure.
N.BALAKRISHNAN
Hi sir i am lic policy holder my policy no is 751603335 after maturied howmuch i will get from lic and if any other taxes of maturity amount pl tell me sir. Thank u sir
Basavaraj Tonagatti
Balakrishnan-Either use the above options or contact LIC office.
Tarwinder Singh
sir,
I am Lic customer, my policy no-301991809
pls tell me my policy status & whats dues.
Basavaraj Tonagatti
Tarwinder-Either use the above options or contact the nearest LIC branch.
rekha negi
sir,
I am Lic customer, my policy no-116631064.
pls tell me my policy status & whats dues.
Basavaraj Tonagatti
Rekha-Use the above feature or contact LIC branch.
MEGHSHAM BHADANE
realy nice one
himmat singh rawat
hello ,sir
mai janaa chataa hu ki abhi tak mainai jitna b paisai jamaa karai hai us online check karna ho to kaisai kaigai
Basavaraj Tonagatti
Himmat-I am unable to understand your requirement. But visit LIC branch, they guide you.
anup singh
Sir
Meri wife ke father diath ho gaye hai or nomny me meri wife hai tooo aap baata sakte hai ki jeetna bhi paisa jaama hoaa hai oooo kisko milega….or uske liye kiya karna hoga…or 1,2,peremium jaama nahi ho paaya hai ……..or time bhi pura ho gaya hai ……plz help me sir
Basavaraj Tonagatti
Anup-First visit LIC branch and check the status of policy, In my view it is in lapsed condition.
Ganga ram kumar
Sir, mera lic’s policy 2008 mey start kiya tha par ab wo 2014 se band h….Toh mujhe bonus ke baad wala paisa wapas chaye tha…To mey ab kya karu…
Basavaraj Tonagatti
Ganga-Aaap LIC branch ko visit kijiye. Woh log aapko actual amount bata payenge.
Ashuvendu
Dear sir, I opted LIC policy in year 2004 , continued up to 2010 with a Prem 933/- but due to some condition I failed to deposite from Nov.2010. Now sir what should I do, please help me if Lapsed,how to regain or how to get the money back. please help me.
Basavaraj Tonagatti
Ashnuvendu-Your policy is lapsed. You have to contact the servicing LIC branch to renew it.
joy
children plcy need……..5000pm.
age 7yers and 2yrs
Basavaraj Tonagatti
Joy-check my earlier post “Child Insurance-Is it required?“.
SUJOY MITRA
Dear Sir,
Seeking your suggestion about my LIC Jeevan Saral Policy . Details are-
Premium- Rs. 24020
term- 20 Yrs.
Date of starting- 15/01/2013
Premium Paid- Yearly (3 Yrs. cont. without miss)
Enrolled this plan as agent suggested. Now, I want to do a new term plan & will surrender this. What are the merits/demerits I’ll get after surrender? when it is suitable time to surrender without losing my money.
Plz help me out with your needful suggestions .
Thanks in advance.
Regards,
Sujoy Mitra
Basavaraj Tonagatti
Sujoy-Better to surrender it after 5 years completion.
SUJOY MITRA
Sir,
Thanks U so much. Want to do SBI Life Smart Wealth Builder policy (10 Yrs. term) ULIP for better return. Any suggestion !! Please share.
Basavaraj Tonagatti
Sujoy-Stay from any product which combines insurance with investment. Buy pure term insurance and forget rest of all life insurance products.
nitin
I monthly deposit 250/- in lic jeevan madhur for last seven years can I surrender t policy . pls tell me rule thanks.
Basavaraj Tonagatti
Nitin-Yes, contact your LIC branch.
Mohit
Dear Sir,
I;ve endowed a LIC policy 7 years before.
My vested bonus is 47000Rs as on date.
Policy is 75F Money back 20 years.
Can i claim my vested bonus now?
Basavaraj Tonagatti
Mohit-Vested bonus can only be realized when you surrender, at death claim or on maturity.
LIC PCMC
Nice article. Very helpful for the LIC Customers.
dharmendra
Sir i have a insurence policy( ulip)0f pnb metlife from august 2010 premium rs. 12000.Today the value of 60000 is 5700.plz advice should i continue or surrender..
Basavaraj Tonagatti
Dharmendra-I can’t recommend plainly without knowing the product details.
dharmendra
Thanks a lot sir,
plan of insurance-Met Magic Plus ,Fund-Multiplier-2 (equities-60-100,money market instrument-0-40) To generate long term capital appreciation by investing in diversified equities selected from s&p CNX Nifty index.
Sum Assured-60000, policy term-25 years
current value-57000
next premium- august 2015(12000)
sir this is product details plz advice
Basavaraj Tonagatti
Dharmendra-What about expenses of fund? Have you looked at it?
dharmendra
sir expenses of policy-
premium allocation charge-first yr-40%,second yr-40%,third yr onwards-0%
policy administration charge-1200(one time)
monthly policy administration charge-60
fund management charge-1.25% p.a.
Basavaraj Tonagatti
Dharmendra-These are the charges eating your money. Hence, better to come out at the earliest.
Rahul v. Rokade
Sir,
you r right, the same thing above, did not work with mobile. I also try to call toll free no. but it didnt work. Anyway, we can tolrate these small things in case of such a large PSU.
Basavaraj Tonagatti
Rahul-But if that is not working then at least they must check it once in a while or stop providing such information.
VEERBHADRA BIRADAR
Awesome information sir. Thank u.
ASHISH
nice one