LIC Policy Status: How to Check Online by Policy Number

Not sure whether your LIC policy is still active or if you have missed a premium? Checking your LIC policy status can help you avoid unpleasant surprises during a claim. In this guide, you’ll learn how to complete an LIC policy status check online using the LIC portal, My LIC app, customer care, WhatsApp, or branch support, understand what different policy statuses mean, and know what to do if your policy has lapsed or become paid-up.

Note: Knowing which status applies helps you decide whether to pay a pending premium, revive a lapsed policy, continue with reduced paid-up benefits, or wait for maturity. Do not confuse a lapsed policy with a paid-up policy. A lapsed policy may lose benefits if it has not acquired paid-up value, while a paid-up policy continues with reduced benefits after the minimum premium payment requirement is met.

How to Check LIC Policy Status Online (Step-by-Step)?

1) Register on the LIC Customer Portal (First-Time Users)

If you're using the portal for the first time:

Step 1: Visit the official LIC website and click “Login” on the Customer Portal.

Step 2: Select New User.

Step 3: Enter the following details:

• Policy number
• Installment premium (excluding tax, as printed on your policy bond)
• Date of birth
• Registered mobile number
• Email ID

Step 4: Verify your mobile number using the OTP sent by LIC.

Step 5: Create a username and password.

Step 6: Verify your email by clicking the activation link sent to your inbox.

Once your account is activated, log in and add your policy under Basic Services > Add Policy if it isn't already listed.

Note: During registration, enter the installment premium excluding tax exactly as printed on your policy bond. This is the base premium and may differ from the amount you actually paid if taxes were applicable. You can register policies on your own life and on the lives of your minor children. Policies of adult family members, including your spouse, may require separate registration.

2) Check Your LIC Policy Status

After logging in:

1. Go to the Policy Status section on the dashboard.
2. Select the policy you want to view.

You'll be able to see details such as:

• Current policy status (Active, Lapsed, Paid-Up, etc.)
• Next premium due date
• Bonus details
• Loan eligibility or outstanding loan
• Maturity date and other policy information

Premier Services (Optional)

If you want access to additional online services, you can enroll in Premier Services. These allow you to:

• Apply for policy loans
• Update your address
• Change your premium payment mode
• Register or update NEFT details
• Request fund switches for your Unit-Linked Insurance Plan (ULIP), where applicable.

To activate Premier Services, you may need to verify your mobile number and email ID and upload the required KYC documents through the portal, such as a PAN or passport, depending on LIC’s current process.

LIC Status Check by Policy Number Without Registration

If you haven't registered on the LIC Customer Portal, you can still complete an LIC policy status check by policy number using SMS, customer care, or by visiting your nearest LIC branch.

1. Via SMS

The quickest way to check the status of your LIC policy without registering is through LIC's SMS service.

• Send LICHELP <Policy Number> to 9222492224 from your registered mobile number.
• You'll usually receive your policy status, such as whether it is active, lapsed, or paid-up, within a few minutes.

Note: LIC also offers ASKLIC SMS commands for additional services, including checking your premium due date, bonus details, loan information, revival quotations, and policy status. We'll explain these commands later in this guide. SMS services work only if the message is sent from the mobile number registered with LIC. Since LIC may update its SMS services from time to time, it's a good idea to verify the latest SMS commands on the official LIC website before using them.

2. Call LIC Customer Care

You can also call LIC's customer care at +91-22-6827 6827, available 24/7 in English, Hindi, and several regional languages.

Keep your policy number and date of birth handy for verification. The customer support representative can help you check your policy status, premium due date, and other basic policy details.

3. Visit Your Nearest LIC Branch

If you're unable to access the online services, visit your nearest LIC branch with:

• Your policy bond
• A valid government-issued ID proof

The branch can provide a detailed policy status report, including your policy status, bonus details, paid-up value, surrender value, and other policy information.

Check Policy Status via LIC App, SMS, or WhatsApp

1. LIC Digital App

The LIC Digital App is LIC's official mobile application for Android and iOS. You can log in using the same credentials as your LIC Customer Portal account or use MPIN and Aadhaar authentication (where available).

Using the app, you can:

• Check your LIC policy status and premium due dates.
• View and manage policies for yourself and eligible family members.
• Pay premiums through UPI, net banking, debit card, or credit card.
• Download premium payment certificates and statements.
• Apply for and track policy loans.
• Check claim status.
• Request a revival quotation for lapsed policies.
• Register complaints and locate nearby LIC branches.
• Access services such as the Premium Calendar, Jeevan Saakshya, and ULIP fund switches (where applicable).

2. Via SMS

You can also use ASKLIC commands to receive specific policy details.

Note: SMS services are available only from the mobile number registered with LIC. Messages sent from an unregistered number won't return your policy details.

3. Via WhatsApp

LIC also offers a WhatsApp chatbot that lets registered policyholders access several policy-related services.

To use it:

1. Save 8976862090 to your contacts.
2. Open WhatsApp and send "Hi" to start the conversation.
3. Select Policy Status or any other required service from the chatbot menu.

Besides checking your policy status, the WhatsApp chatbot also lets you:

• View premium due dates
• Check bonus information
• View loan eligibility and repayment quotations
• Download premium certificates
• Access ULIP statements
• Receive loan interest notifications
• Access other LIC services

Note: The WhatsApp service works only if your policy is registered on the LIC Customer Portal and you're messaging from the registered mobile number.

Note: Whether you use the Customer Portal, MyLIC app, SMS, or WhatsApp, each option lets you check LIC policy status based on your convenience and the level of detail you need.

Note: For portal registration, use the installment premium excluding tax exactly as printed on your policy bond.

What to Do If Your LIC Policy Status Shows Lapsed?

A policy is considered lapsed if the premium isn't paid within the applicable grace period. Once your policy lapses, your life insurance cover is suspended until it's revived.

How to Revive a Lapsed LIC Policy?

If your LIC policy status shows "Lapsed," you can revive it within 5 years from the date of the first unpaid premium, subject to LIC’s terms and conditions. This applies during the premium-paying term and before policy maturity.

To revive your policy, you may need to:

• Pay all overdue premiums along with the applicable interest.
• Submit a Declaration of Good Health (DGH). LIC may also require a medical examination, depending on your age, sum assured, or the duration of the lapse.
• Request a revival quotation through the LIC customer portal, LIC Digital App, your servicing branch, or your LIC agent to know the exact amount payable before making the payment.

Check If Your Policy Has Become Paid-Up: If you own a traditional LIC policy and have already paid premiums for the minimum required period, your policy may have acquired a Paid-Up value instead of lapsing completely. In such cases, the policy continues with a reduced sum assured, although additional bonuses and riders may no longer apply.

Keep an Eye on LIC's Revival Campaigns: From time to time, LIC launches special revival campaigns that offer concessions or discounts on late fees and penalties for eligible lapsed policies. These campaigns are intended to encourage policyholders to restore their life cover at a lower cost. Since the eligibility criteria, discount structure, and campaign period vary each time, check the official LIC website or contact your nearest branch to see if a revival campaign is currently available before making the payment.

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Conclusion

Checking your LIC of India policy status takes just a few minutes and helps ensure your policy remains active and your loved ones don't face claim issues later. Whether you use the LIC Customer Portal, LIC Digital App, SMS, or WhatsApp, reviewing your policy regularly can help you spot missed premiums, track important policy details, and take timely action if your policy has lapsed.