Sibin OFOUNDER ยท EDITORLinkedIn โ†—
Verified against official .gov.in portals ยท Last checked June 2026 ยท How we verify
Last Updated: June 2026

LIC Policy Status Check 2026 โ€” Know in 60 Seconds, No Agent Needed

Check your LIC policy status online without visiting a branch or calling an agent. View premium due date, sum assured, accumulated bonus, maturity date, policy loan value, and payment history โ€” instantly at licindia.in, via SMS, or on the LIC app.

Verified by NagrikIQ Research Team
Sources: Official .gov.in portals only ยท Updated June 2026
LIC Customer Portal โ€” licindia.in โ€” Official Portal โ†’

Most people I know have at least one LIC policy they've completely lost track of โ€” bought by parents, premiums auto-debited, and nobody really knows what the maturity amount will be or even if it's still active. The licindia.in portal has improved a lot but the first-time registration flow still trips people up, especially if your mobile number isn't updated with LIC (a surprisingly common issue for older policies). The SMS method โ€” ASKLIC to 56767890 โ€” is something almost nobody knows about, and it works instantly without any login.

โ€” Sibin O, Founder, NagrikIQ ยท Last verified June 2026

Overview

LIC offers three ways to check your policy status โ€” all free and available 24ร—7: 1. Online at licindia.in โ€” after a one-time registration, view all linked policies on a single dashboard 2. SMS โ€” send ASKLIC <policy number> to 56767890 โ€” instant reply with basic policy details, no registration needed 3. LIC mobile app โ€” same as the website, available on Android and iOS What you can check: current policy status (in-force / lapsed / paid-up / matured), next premium due date and amount, sum assured, accumulated Simple Reversionary Bonus, maturity date, loan eligibility, surrender value, and complete premium payment history. For online access, register once at licindia.in using your policy number and date of birth. All policies linked to your mobile number or PAN become visible in one dashboard โ€” no need to check each policy separately.

Eligibility

  • Any LIC policyholder โ€” active, lapsed, paid-up, or matured policy โ€” can check status online.
  • Registration at licindia.in requires: policy number, date of birth, and mobile number registered with LIC.
  • SMS method (ASKLIC) works without any registration โ€” just send from any mobile.
  • If your mobile number is not registered with LIC, visit any branch with your policy bond and Aadhaar to update it first.

Documents Required

Policy number โ€” printed on your policy bond and any premium receipt
Date of birth as recorded in LIC's policy documents
Mobile number registered with LIC (for OTP during first-time registration)
PAN card (optional โ€” links multiple policies across branches to one account)

Fees & Processing Time

Fee
All LIC policy status check methods are completely free.
Processing Time
Instant โ€” policy details appear immediately after login. SMS reply arrives within 30โ€“60 seconds.

How to Apply Online

  1. 1Step 1 โ€” Go to licindia.in โ†’ Click 'Customer Portal' in the top menu.
  2. 2Step 2 (First time only) โ†’ Click 'New User'. Enter: policy number, date of birth (DD/MM/YYYY), mobile number, email. Click Submit.
  3. 3Step 3 โ€” Enter the OTP sent to your registered mobile number.
  4. 4Step 4 โ€” Create a User ID and password. Your account is now active.
  5. 5Step 5 โ€” Login โ†’ click 'Enrolled Policies' โ†’ click any policy to see full details: status, sum assured, premium due, maturity date, bonus, loan value.
  6. 6Step 6 โ€” To add more policies: click 'Enrol Policies' โ†’ enter additional policy numbers.
  7. 7SMS method (no login needed): Send ASKLIC <policy number> to 56767890. Example: ASKLIC 123456789. You get an SMS with policy status, premium due date, and sum assured within 60 seconds.
  8. 8LIC App method: Download 'LIC of India' from Play Store / App Store โ†’ Login with same User ID and password โ†’ tap 'My Policies'.

How to Apply Offline

  1. 1Call LIC helpline 022-68276827 โ€” give your policy number and date of birth for status over phone.
  2. 2Visit any LIC branch with your policy bond and ID proof โ€” staff will print a policy status report free of charge.
  3. 3If your mobile number needs to be updated (required for online access): fill Form 3510 at any branch with Aadhaar/PAN.

Common Problems & Solutions

OTP not received during registration
The mobile number entered must exactly match the number registered with LIC. If you're unsure of your registered mobile, call LIC helpline 022-68276827 with your policy number. Also check if your SIM has DND enabled for transactional messages โ€” disable it temporarily and request OTP again.
Policy not showing after login โ€” how to add it
Policies must be manually enrolled after creating your account. Go to: Login โ†’ 'Enrol Policies' โ†’ enter your policy number. Each policy must be added separately. If the policy was purchased offline through an agent, the policy number is on your policy bond. If you've lost the policy bond, visit any branch with your ID to retrieve the number.
Policy shows as 'Lapsed' โ€” what this means and how to fix it
A lapsed policy means premiums were missed and the 30-day grace period has passed โ€” the policy has no active insurance cover. To revive: pay all outstanding premiums plus interest within 5 years of the first unpaid premium. Visit any LIC branch or use the revival option at licindia.in โ†’ Service Requests โ†’ Revival. After revival, full cover is restored.

Frequently Asked Questions

How do I check LIC policy status without policy number?

Without a policy number, login to licindia.in using your registered mobile number and date of birth โ€” all your enrolled policies are visible. Alternatively, call LIC helpline 022-68276827 with your name, date of birth, and mobile number โ€” they can locate your policy. If you've completely lost track of a policy, visit any LIC branch with Aadhaar and PAN for a search.

What does 'In-Force', 'Lapsed', and 'Paid-Up' mean?

In-Force: all premiums paid on time โ€” full insurance cover is active. Lapsed: missed premiums beyond the grace period โ€” no cover, policy is inactive. Paid-Up: you voluntarily stopped paying premiums but the policy continues with a reduced Sum Assured (called Paid-Up Value) until maturity โ€” no further premiums needed. Matured: the policy term has ended and maturity amount is due to you.

What is the difference between Sum Assured and Maturity Amount?

Sum Assured is the guaranteed base amount โ€” paid on death or maturity. Maturity Amount is Sum Assured plus all accumulated bonuses (Simple Reversionary Bonus declared annually + Final Addition Bonus at maturity). For a โ‚น5 lakh SA, 20-year endowment policy, the maturity amount is typically โ‚น9โ€“12 lakh due to bonuses.

Helpline & Support

  • LIC Helpline: 022-68276827 (8AMโ€“8PM, Monโ€“Sat)
  • WhatsApp: +91-8976862090
  • SMS: ASKLIC <policy number> to 56767890
  • Customer Portal: licindia.in

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Disclaimer: NagrikIQ is an informational platform and is not affiliated with any government department. Information provided is for guidance only. Always verify details on the official government portal before taking action.