basunivesh@gmail.com
It is now mandatory to link Aadhaar and PAN to all your Insurance Products like Life Insurance, Health Insurance or any other types of insurance you are owning. How to link Aadhaar to LIC Policies online within few minutes?
IRDA yesterday (8th November 2017) came up with a circular that linking your Aadhaar and PAN number is mandatory for all your insurance products. The notification is as below.
“Central Government vide gazette notification dated 1st June 2017 notified the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2017 making Aaadhar and PAN/Form 60 mandatory for availing financial services including insurance and also for linking the existing policies with the same.Â
The Authority clarifies that linkage of Aadhaar number to insurance Policies is mandatory for the prevention of Money-laundering (Maintenance of Records) Second Amendment Rules,2017
These Rules have statutory force and, as such, Life and General insurers (including Standalone Health insurers) have to implement them without awaiting further instructions.”
It is clear from above notification that you have to link your Aadhaar and PAN also to all your insurance products. If you don’t have PAN card, then you have to declare the same in Form 60.
What is Form 60?
Form 60 is to be filled by those individuals or a person (not being a company or firm) who does not have a permanent account number and who enters into any
transaction specified in rule 114B.
Note these below points before submitting Form 60.
1) Before signing the declaration, the declarant should satisfy himself that the information furnished in this form is true, correct and complete in all respects. Any person making a false statement in the declaration shall be liable to prosecution under section 277 of the Income-tax Act, 1961 and on conviction be punishable,
# in a case where tax sought to be evaded exceeds twenty-five lakh rupees, with rigorous imprisonment which shall not be less than six months but which may extend to seven years and with fine;
# in any other case, with rigorous imprisonment which shall not be less than three months but which may extend to two years and with fine.
2. The person accepting the declaration shall not accept the declaration where the amount of income of the nature referred to in item 22b exceeds the maximum amount which is not chargeable to tax, unless PAN is applied for and column 21 is duly filled.
How to link Aadhaar to LIC Policies online?
LIC started the dedicated link for the purpose of link Aadhaar to LIC policies online. The steps are explained here. But before that, keep in mind few points.
#Â Keep your Aadhaar Card and PAN card handy along with the list of policies.
# Mobile Number as registered with UIDAI is to be entered. OTP will be sent to the number provided. (In case your mobile number is not updated in Aadhaar, kindly contact nearby LIC Branch Office for Aadhaar Linking.)
#Â After submitting the form, a message will be shown on the success of the registration for linkage.
#Â After verification with UIDAI, SMS / mail confirmation will be sent to you. The verification may take few days.
Step 1-Visit the LIC Homepage. Here you will find the new link “Link Aadhaar and PAN to LIC Policies”. Just click on that.
Step 1-Then you will find the below page where you have to fill the details.
Step 2-Provide details like name (as per Aadhaar), date of birth, Aadhaar number, gender, Email ID, mobile number (which is registered with Aadhaar), PAN number, and policy number.
Step 3-Then click on the tab “Get OTP”. You will receive the OTP to your mobile number. Enter the same and click on Submit. After submitting the form, a message will be shown on the success of the registration for linkage.
Step 4-After verification with UIDAI, SMS / mail confirmation will be sent to you. The verification may take few days.
How to link Aadhaar to LIC Policies offline?
If you are unable to link Aadhaar to LIC policies online, then the next step is to use the offline process. For this, LIC came up with the standard form. You have to fill the form along with Aadhaar and PAN card self-attested copies to the nearest LIC Branch.
Notice one thing that, now if you are unable to link Aadhaar to LIC policies online, then you can visit any nearest LIC branch and submit the form for link Aadhaar to LIC policies offline.
Also, you can use the same single form to link Aadhaar with your multiple policies.
Download form for link Aadhaar to LIC Policies offline
Note:-The deadline to link Aadhaar to LIC policies is set as 31st December 2017. Hence, complete the process at the earliest.
Our other posts in relation to Aadhaar linkage:-
- How to link Aadhaar to EPF Online without login?
- How to check if Aadhaar is linked to bank accounts or not?
- How to link Aadhaar to Mutual Funds folios online?
- How to lock and unlock Aadhaar Card online and prevent misuse?
- How to link Aadhaar to EPF using online and offline?
Hi Basavaraj,
I am a female, age 26years, I fall under the LIG. I bought an apartment 6 months back, I want to apply for PMAY. My loan period is for 30 years. And the total area of my flat is 1124 square feet. I am not sure what will be my carpet area. My parents own a house, but I don’t stay with them so will I be eligible for PMAY?
Kindly reply
Dear Rini,
Are you asking this question after going through the related post?
One of my relatives got US citizenship a few years ago. He had taken two LIC policies 20 years ago. He doesn’t have PAN and Aadhaar. Will form 60 along with his US passport copy submission suffice in his case?.
Dear Shr,
Yes.
Sir
I’m OCI card holder (overseas citizen of India)and I have my pan card but don’t have the aadhar card. I have enrolled 2twice for my aadhar still it is under process. Enrolment date was 20/02/2018 and 02/03/2018
How do I link my policy without my Aadhar card.Pls help me and reply me by mail.tks
Dear Prakash,
You have to link once you receive Aadhaar. Be in touch with UIDAI for your Aadhaar issue.
i have to link my moms’s aadhar she dosent have an email Id so wat should i do
Jomin-Why can’t you create the same if necessary? Also, you can try to link the same by visiting to home branch (where email id not required).
It is heard that in case of LIC of India, many big shots take LIC policies for short period & pay the premium in cash, they dont clain deductions u/s. 80C & also dont reflect this huge premium in their books of accounts, meanwhile at the time of maturity of LIC policy, they get maturity amt. by cheque, thus their un accounted & un taxed money is being converted in to white money through LIC (May be through other insurence companies also) obviously, LIC of India has no convern with this issue, but by linking of Aadhar Cards with LIC policies, Govt. has PRESUMED that they will be able to drag out black money !!! In major cases, the LIC policy holders are not from black money team, they are doing jobs, or small businesmen, saving their money through LIC policies & securing future of their family, these all are now suffering forced to link their policies with Aadhar cards under a fake belief that all are black money holders !!!
It is difficult to understand that how linking of LIC policies with Aadhar Cards will trace out black money ? If Aadhar card could not be linked with LIC policies due to technical problems of UIDAI websites why the LIC policies holders should suffer by refusing payment by LIC of India ??
Just think many time …. this will be serious issue
Yogendra-Who said you that maturity amount will be payable by cheque? Also, if the cheque is in terms of account payee then how can one encash it other than account holder? Regarding Aadhaar, it helps to track the individual’s KYC.
Thanks for your response,
LIC make payment of maturity amount by online directly in the bank of policy holders.
The matter is how Govt. will be able to drag black money paid towards LIC premium, it is understood that Aadhar link is helpful for persons claiming subsidies from Govt… how Aadhar linking will helpful to the other persons who have no concern with subsidies from Govt. ?
In 1 of the LIC branch it was told to me that they have got 5 lakh policies, & most of the policy holders have filed hard copy of Aadhar linking appl. with LIC policies, they have no staff to cover all the linking… before introducing any scheme , it is mandatory for the Govt. to provide sufficient staff & proper updated automation so people need not have to suffer for co-operating Govt.
Yogenra
Yogendra-Gone are the days where nothing is tracked. There is something called High Value Transactions Reporting system (Refer my post “High Value Non-PAN Transaction – How to own or response online?“. Now, nothing can be hidden. Because transactions are linked to Aadhaar and PAN.
Regarding staff and Government, I usually not indulge in such political issues. Hence, I do not comment anything on this.
Why my comment is not getting updated?
Raveendran-Which comment? Now you can reply to this of whatever doubt you have.
Dear Sir, I received an email from LIC, asking to link Aadhar before 31st March 2018. It mentioned “You can also update the details by visiting our website http://www.licindia.in OR logging on to the Customer Portal or by visiting our Branch Office”.
I logged on to the customer portal, I have updated my Aadhar and PAN numbers in the Profile section.
Pl. confirm is this enough and considered as Aadhar and PAN Linking.
Or I still need to link by OTP SMS.
Regards
Raveendran-That much is enough.
Thank you, Regards.
When 1st I linked my LIC policies with Aaadhar & PAN, I didnt get any reply , then when I loged in to my account through LIC portal of customers, I found that my Aadhar Card & PAN are there in my profile, it is due to reason that those r linked through link provided by LIC Of India.
However, I have not received any confirmation from LIC that my LIC policies & PAN r linked, but my profile show that those r linked.
I just enquired with LIC of India branch office, one of the officer verified through LIC computer & informed me that my PAN & Aadhar Cards linking cant be viewed !!!! (in fact I can view through my login on LIC customer portal after login)
So I have been informed to file hard copies with LIC branch.
Once again I tried to link my LIC policies & PAN with Aadhar through online link, but I get message logo “Error” – request already submitted for policies nos. ….. …
I cant understand, I have sent email to UIDAI & LIC with screen shot of message… & waiting for their reply
Yogendra-If online status showing as LINKED, then take the photo of the same with you and retain as proof.
Thanks for your prompt reply
The message is “request already submitted for policies nos…….. “
Yogendra-Retain this as proof through taking an image.
I am able to see PAN and AADHAR number when I login to LIC portal and go to Personal Information —> Digital KYC.
Does this mean that my AADHAR and PAN is already linked with all policies I have on my name?
Note :- I am able to see all of my policies under My Policy section in the same portal
Pritam-YES.
Thanks
my child have a policy New children money back policy,he have aadhaar card but no pan card. can I use my Pan No.
Mrinmay-Being a proposer, you can use your PAN.
Hi
Trying to update AADHAR in digital kyc on your portal, I’m continually getting “please enter a valid PAN” error. Kindly suggest
Krishma-I am not sure of the error. But if online process not happened, then try to submit the documents to the nearest LIC Branch.
I have policy in my child name(14 yes old).he is minor..and has no pan card
While updating system is asking pan card number so can’t able to link
Ajay-In my view, you have to link your PAN (proposer). If that not happens, then do the offline process.
Sir/Madam, PAN linking is also mandatory, my kid do not have PAN card. But Aadhar is available.
So how can I link LIC policy? Pls suggest.
Krishna-Why not apply for PAN and then link?
SHASHIKANT SAPKAL
DECEMBER 20,2017
Sir/Madam, PAN linking is also mandatory, my kid do not have PAN card. But Aadhar is available.
So how can I link LIC policy? Pls suggest.
Shashikant-If PAN is not available, then you have to submit the Form 60.
Dear sir
I WAS LINKING MY ADHAAAR AND PAN DETAILS ONLINE ON 31 NOV 15 DAYS GOING ON NOT A VERIFICATION BY UIDAI DEPARTMENT SO I WILL TRIED ANOTHER TIME BUT PORTAL SAYS YOUR DETAILS HAS ALREADY SAVED YOUR LIC OFFICIAL SITE.
I CALL A LIC CUSTOMER SERVICE HE SAYS UIDAI HAS NOT GIVEN A VERIFICATION LINK TO LIC SO YOU CAN WAIT..
LAST DATE IS 31 DEC AND I HAVE GOING TO OUT OF STATION WHAT I CAN DO..
Rudra-Why can’t you visit nearest LIC branch and submit the application manually?
Sir, I am an NRI , I have children policies for my sons. they are staying in India. I am the proposer. should i need to link aadhar with my children policies.
Johnson-In my view NO. But still clarify with the branch.
Sir my dob mismatch in lic policy what to do
Nilotpal-Then first you have to correct it.
My 78 year old sick and bedridden sister is unable to sign now. She has no mobile which can be linked with Adhaar. So online linking of 2 LIC policies, from which she gets a little monthly pension, is not possible. For offline linking what can be done? Will her thumb impression on application form and documents be acceptable?
Sen-Better to use offline method. The signature of what she did is required actually. However, in her case I think a thumb impression with some LIC officials attestation may be required. Check with LIC Branch for the same.
sir
mai mera lic policy ko mera aadhar pan se link kar chuka hu.
aab keya mai mera pitaji ka lic policy ko uske aadhar pan se link karne ke liya mera mobile & email ka istamaal kar sakta hu?
Asif-Yes, you can do so.
Hello
Me and my husband staying in UK and he got the NRI status he doesn’t have adhar card bt he got 2 LIC policies in india on his name plz help me to find out how things gonna work for him with his LIC policies.
Tina-NRIs are exempted from linking Aadhaar to LIC policies.
Thank you very much Mr Basavaraj.
Tried to update aadhar with policy online but site seems not working. After giving OTP , site just gives errors.
Prakash-No option but to try after few days or link offline.
I have tried to link AADHAR & PAN online, But the field wherein Policy number is to be entered is not accepting Alphabets (Term policy) and also there is restriction in number of digits (Endowment policy).
MSS-May be they have not noticed this while developing. You can submit the documents at the nearest branch also.
Hi My LIC policy was done with my pre marital name several years ago. However now that I am married I have my PAN and Adhaar with the post marital names. this is not allowing me to link the policy with the Adhaar. Pls suggest.
Dola-You have to update your name in LIC policy and then go ahead with linking.
Hi, I have the same problem. How can I change the name in my LIC policy? I am out of station so cannot visit the LIC branch. Can I fill out a form and send it to the LIC office?
Madhu-Yes you can do so or through your agent.
Sir, I am out of my home, my bro can link my adhar with my insurance. And here , one thing . The OTP only send to that mobile number which is resisted with adhar. But , my number is not resisted with adhar . What can I do.
Palash-You have to first register your mobile with Aadhaar and then try to link.
Sir, a little help there.i am getting this error message with 1 policy..other policies are linked .i have checked all the fields carefully but still getting this error
“Error!
Details keyed-in do not match with our records. Please retry for the following policies with correct details- [5XXXX3] OR Contact nearby Branch Office with original Aadhaar card along with a self-attested copy of the same.”
Manish-Better to use the offline method as explained in above post.
Sir, My son got his LIC Policy while in India & now settled with family in New York. As an NRI he is unable to get Aadhaar . US Rules doesn’t permit to visit India since his Green card is in progress.
Are NRI exempted from linking Aadhaar to LIC Policy? Or what is the other way out? Please guide me & I shall pass on to my son.
Satya-Yes, NRIs are exempted from linking Aadhaar to LIC policy.
but if someone has taken policy when he was in india, and paying the premium ON LINE then is it mandatory to inform lic about his status as a NRI , AND IF YES THEN WHAT IS THE PROCEDURE
Jain-If your current residential status is NRI, then you no need to link Aadhaar with LIC policies.
THANKS MR. BASAV RAJ…..BUT IS IT MANDATORY TO INFORM LIC ABOUT MY CURRENT STATUS, SINCE POLICY WAS TAKEN WHEN I WAS A RESIDENT IN INDIA….IF YES THEN WHAT R THE FORMALITIES TO BE COMPLETED, SINCE LIC IS NOT REPLYING TO MY MAILS.. IF I DONT INFORM MY CHANGE OF STATUS , THEN WILL THERE BE ANY PROBLEM AT THE TIME OF MATURITY.. PL. GUIDE ME..
Jain-Why not you write a letter to the Branch Manager of the concerned Branch?
I WROTE TO THEM AND SENT REMINDERS , BUT NO REPLY SINCE LAST TWO MONTHS. HENCE IAM ASKING U ,AS U R EXPERT IN THESE MATTERS
Jain-Instead of writing, why not directly contact LIC branch (the best solution left with you now).
On 22nd Nov 2017 , I linked my Aadhaar and LIC Policy by following the instructions at https://www.licindia.in/Home/Link_Aadhaar_and_PAN_to_Policy. I got this message on the site.
Your Aadhaar details received for linking to your following LIC policies. Confirmation SMS and e-mail will be sent to you after verification with UIDAI.- Â [XXXXXXX]
It’s been 9 days since then and I have not received a confirmation after verification with UIDAI.
How long should I wait for this confirmation?
Madhu-LIC launched this process recently. Wait for another 1-2 days. If you not receive any confirmation, then better to try once again.
Respected Sir,how to link lic policy of child who has not pan card
Neetan-Apply PAN card and Aadhaar card and link it.
I tried many times aadhar link from the policy.but i didn’t get any OTP at my number.
Anurag-May be some technical issues. Better you try later.
I Could not Add Details for the minor policy holder, How it can be done. aim getting error ” PAN Mismatch”, because I given my PAN no in this case how can I do this..
Vishwanathan-There are issues in respect to minor policy. Let us wait for clarity from LIC in this front.
LIC Policy in the name of minor and is been registered under mothers portal login. Which Adhaar number needs to be linked?Please help here.
Chetana-I think the proposer (Mother).
I have linked my policies with online portal and try to add one more policies of a minor policy holder, could not add the same. How it can be done.
Krishnan-What error you are getting?
“The gender as per the policy is not matching the gender given in the profile. Please check your profile.” this is message shows as error. As the policy holder is a minor (8 years old)., please confirm this policy should be linked to aadhar.
Krishnan-Whether you noticed the gender difference in Aadhaar to the details you are providing?
HOW TO CHECK THE LIST OF POLICIES LINKED WITH AADHAR
Naveen-While linking itself it shows that it is already linked. Else, by login to LIC portal, you can verify whether it is linked or not to your KYC.
i case of single holder it is o.k. but how do i put 2nd holder’s name, date of birth, pan and aadhar card no. in case of joint policy holder. pl guide me.
Jayesh-In case of joint life insurance, I think linking first holder is enough.
Hi – I could not link the Aadhaar online. The LIC page shows me some error with my login id.
I have written to the support portal of LIC, but have received no response.
What happens if I do not link the Aadhaar and LIC policy by the deadline date?
Madhu-If you are unable to link online, then visit the branch and link the same.
I am out of station and cannot visit the branch before December 31st. I can visit only after December 31st.
Will I lose my policy if I do this linking after the deadline?
Madhu-You can write it in letter and provide your Aadhaar number and the photocopy of the same and send it. I think the new dedicated link will work. Just try once again.
Now you all can link your Aadhar and PAN with all your LIC policies through OTP based online application.
https://www.licindia.in/Home/Link_Aadhaar_and_PAN_to_Policy
Duraimurugan-Thanks a lot for sharing this. I will update the post.
Good to know this has come so soon. While I put a query here on saturday about how to link LIC policy, I also put a complaint on pgprotal ( govt complaint website) for the same. I got a response last evening stating soon they will have an online method to update aadhar seeding to LIC policy. And today it actually is here.
Great.
Balpreet-And I updated the post also 🙂
Hi Basavaraj,
How to link insurance policies from other insurers? I have a family floater health insurance policy from oriental insurance company. Should it be done by manually visiting the branch. Please let us know as to how to link aadhaar to health policy in this case. Thanks.
With Regards
Ullas
Ullas-Either by visiting the branch or online (if they provide such facility).
LIC has this self service portal, where we can link both Aadhaar and PAN numbers, also manage all our policies at single place.
Yashwant-Linking is for KYC purpose and it ask either link Aadhaar or PAN. But LIC not yet came up with linking to all policies like Aadhaar linking to PAN.
Sir,
Can you explain the below terms and conditions with example.
“The person accepting the declaration shall not accept the declaration where the amount
of income of the nature referred to in item 22b exceeds the maximum amount which is
not chargeable to tax, unless PAN is applied for and column 21 is duly filled”
Here what is the meaning of 22b exceeds the maximum amount??
Duraimurgan-Without knowing from where you got this, how can I explain? If you google with 22b, then you will get millions of results.
It’s there in this article under Points to be noted before submitting form 60.
Point no 2.
It is good that they are allowing us to update our Adhar Card through web otherwise it would become difficult for us t do such a hectic job. Thanks to the Government of India and LIC.
Aliv-Let us hope for better service.
Dear Sir,
Thanks a lot for your information, Great job keep it up
Kanak-Pleasure.
Wonderful post. Helps a lot of folks out there who are not IT Savy.
Basu I wanted to know if the LIC linking is necessary for Children policies as well ? & how to link that. Can one mobile # be used to get OTP for 2 aadhaar (if I’ve apply for my kid). My kid doesn’t have an aadhaar yet.
TIA
Regards,
Rajesh
Rajesh-Yes, you have to link Aadhaar to even LIC children polciies. Yes, you can use the same single number for OTP if the Aadhaar is also linked to the same number.
sir,
is it required to link aadhar to non life policies also like car insurance???
i have SBI GENERAL INSURANCES car policy,but they have no provision to do that.
pl guide.
Nirmal-Yes, linking Aadhaar to all types of Insurance products is mandatory now. You can visit the branch and update the same.
My son , a doctor , now settled in UK with his family,has some LifeInsurance Polcies ,in his or in his wife & two children’s names ,which he took while he was resident in India. Now he is an NRI & has an OCI card . As per UIDIA authorities, he or his family are not eligible to get an Aadhar Card , being non residents. Under these circumstances, how can he link his insurance policies with Aadhar card,which is now mandatory for all policy holders.
Govt has now exempted NRI/OCI holders, having bank accounts in India, to link their bank account in India as they are not eligible to get Aadhar Cards.
Accordingly can NRI/ OCI holdershaving LIC policies be exempted be also,exempted from linking their Policies the Aadhar cards.
Varma-NRIs are exempted from linking Aadhaar to Life Insurance.
Dear sir
Excellent post always in your end
Thanks
KALIMUTHU
Thanks for giving very good and useful information.
With regards
Shyam Purohit
LIC website has the option to update AADHAR under profile section “Digital KYC” tab on their website.
You may update this post. I believe there will be no need to visit the branch.
Thanks
M-Thanks. But such options need once to login to portal. What about the huge Indian population whom LIC serves and such people don’t know anything about login. I think they must provide the facility where one can link it even without login exactly like CBDT created for linking Aadhaar with PAN.
The update aadhar link is mentioned under ‘help us serve you better’ section. It works fine only for policies which are non Grouo insurance or non group pension.
I have tried it and was successful except for the categories mentioned above.
Vinay-Great to know. But LIC made it mandatory to create login then only one can link. This creates the biggest hindrance.
https://www.licindia.in/Customer-Services/Help-Us-To-Serve-You-Better
This link does not require you to register or create login.
All you need is Policy Number, DOB, PAN, Email, Mobile Number and Aadhar to get that updated via OTP method.
Vinay-Thanks and let me update the same.
Every time it says – Record not found
Anubhav-That is the reason the best option is to visit to branch and update the details.
Branch says notification for aadhar not yet come to them.If one has policies from different branches,then one has to visit each branch separately. Huge inconvenience since one may have changed city also if policies are old.Then one has to transfer policy and then do, but even for transfer one has to visit the old branch and give letter.Very bad.
Yogesh-The best way is to first transfer all your LIC policies to one branch which is nearest to you. For transfer request, you no need to visit personally. Through post you can send the request to transfer the policy to the specific branch. Once they all transferred, then you can easily link to policies. However, I think LIC will soon launch an online facility to link it. Let us wait.
how to link aadhar to superannuation or pension policy provided by employer though LIC ?
Can you update the article for the above condition also ?
Vinay-Yes. You have to manually visit LIC branch and link.
Thanks Basu for the excellent article.
Will follow the advice.
Regards
Vinay
Dear Sir,
It is a nice activities for a lic indusry
& public also.
Thanx
Dear sir
Thanks a lot for your information
Regards
KALIMUTHU .K mob: 98427 60356
Agent
LIC – DINDIGUL
LIC has this self service portal, where we can link both Aadhaar and PAN numbers, also manage all our policies at single place.
Ram-Thanks for sharing. But there is no such confirmation from LIC.