LIC Policy Status: Check Details & Online Steps 2026 | PolicyX
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LIC Policy Status

Policyholders can easily check their LIC policy status and details through various convenient methods, ensuring they stay updated on premium due dates ...Read More

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Written by Himanshu Kumar
Reviewed by Raj Kumar
Published: 13 Dec 2024
Updated: 7 Oct 2026
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LIC Policy Status

You can check your LIC policy status in three ways: the official LIC portal, SMS, or the IVR service on 1251. The portal shows full policy details and premium due dates after you register, while SMS and IVR need only your policy number. Keep your policy number and registered mobile number ready. A status of "in force" means your policy is active, while "lapsed" means a missed premium has stopped your cover. Therefore, it is important to check your policy status before each due date. The sections below explain each method step by step.

How to Check LIC Policy Details Online

For New Users

For detailed instructions, please refer to the LIC Online Login Process.

  • New customers must fill in the registration form available online at the LIC website, i.e., www.licindia.in.
  • Details such as policy number, email ID, date of birth, and premium amount will be required for the registration process.
  • Once completed successfully, you will receive a verification email at your registered email ID.
  • After verifying your account by clicking the 'verification link' in the email, you can access all policy-related information.

    • For Registered Users

  • Go to the official LIC website and enter your credentials (username and password).
  • Log in to your account and select the option 'View Enrolled Policies'.
  • You will be directed to a page listing all your enrolled policies.
  • Select the policy for which you wish to check the details.
  • The status and all necessary information regarding the policy will be displayed.

    • How to Check Policy Status via Integrated Voice Response (IVR) System

    LIC provides a 24x7 Interactive Voice Response (IVR) system available in most cities across the country. A LIC policyholder can dial the Universal Access Number (UAN) '1251' to contact the corporation's customer care. You can inquire about policies and check their status directly over the call.

    For BSNL & MTNL Users For Other Network Users (Landline/Mobile)
    Dial '1251' Dial the Local City Code followed by '1251'

    LIC Regional and Zonal Offices

    You can also reach out to the LIC regional and zonal offices. Below are the regional offices in India, classified into 7 zones:

    • Eastern Zone
    • Western Zone
    • Northern Zone
    • Central Zone
    • North Central Zone
    • South Central Zone

    Contact LIC to Know the Policy Status

    Here are the zonal city-wise Email IDs, Customer Support Numbers, and Local City Codes to check LIC Policy Status over phone calls.

    For Eastern Zone

    Name of the City Email ID & Phone No.
    Asansol Tel: 0341-2256012
    Berhampur Tel: 0680-2296390
    Bhagalpur Email: [email protected]: 0641-2610011, 2610033, 2610099
    Bhubaneshwar Email: [email protected]: 0674-2573910, 0674-2573911
    Cuttack Email: [email protected]: 0671-2307883, 0671-2307889
    Dhanbad Email: [email protected]: 0326-2225344, 0326-2225345
    Hazaribagh Tel: 06546-272611
    Jamshedpur Email: [email protected]: 0657-2443228, 0657-2443229
    Kolkata Email: [email protected]: 033-22124172 or 033-22124176
    Kolkata(S) Email: [email protected]: 033-2337-0642
    Kolkata-II Email: [email protected]: 033-2419-8476
    Muzaffarpur Email: [email protected]: 0621-2281023
    Patna Email: [email protected]: 0612-2332033, 0612-2201795
    Sambalpur Tel: 0663-2541388
    Begusarai Tel: 0624-3245265
    Bongaigaon Tel: 03664-228281
    Guwahati Email: [email protected]: 0361-2450389
    Howrah Email: [email protected]: 033-2637-4387
    Jalpaiguri Tel: 03561-255443
    Jorhat Tel: 0376-2361613
    Kharagpur Tel: 03222-253302
    Silchar Tel: 03842-241716
    Siliguri Email: [email protected]: 0353-2545739

    For Western Zone

    Name of the City Email ID & Phone No.
    Ahmedabad Email: [email protected]: 079-27490619, 079-27461032, 079-27461662
    Amravati Tel: 0721-2660145
    Aurangabad Tel: 0240-2329299
    Bhavnagar Tel: 0278-2421963
    Dwarka Email: [email protected]: 011-28042585
    Gandhinagar Email: [email protected]: 079-23240083, 23240383
    Goa Email: [email protected]: 0832-2490100
    Kolhapur Tel: 0231-2661135
    Mumbai-I Email: [email protected]: 022-26788943
    Mumbai-II Email: [email protected]: 022-27725968/022-27723592
    Mumbai-III Email: [email protected]: 022-28912605/022-28913760
    Mumbai-IV Email: [email protected]: 022-28482907
    Nadiad Tel: 0268-2532134
    Nagpur Email: [email protected]: 0712-2450083, 0712-2450080
    Nanded Tel: 02462-221777
    Nashik Tel: 0253-2317607
    Nerul Email: [email protected]: 27725968
    Pune Email: [email protected]: 020-25539790
    Pune-II Tel: 020-24217638
    Rajkot Email: [email protected]: 0281-2581318, 2581319, 2483210
    Satara Tel: 02162-224708
    Surat Email: [email protected]: 0261-2801833, 2770227
    Thane Email: [email protected]: 022-25423226, 25421474
    Vadodara Tel: 0265-2225188

    For Northern Zone

    Name of the City Email ID & Phone No.
    Agra Email: [email protected]: 0562-2524912
    Ajmer Tel: 0145-2661878
    Amritsar Email: [email protected]: 0183-2560673
    Bikaner Tel: 0151-2225920
    Chandigarh Email: [email protected]: 0172-2678107
    Delhi Email: [email protected]: 1800112552/011-23310868
    Delhi-II Email: [email protected]: 011-22785930
    Gurgaon Email: [email protected]: 0124-2576060, 2578060, 2570060
    Jaipur Email: [email protected]: 0141-2702845
    Jalandhar Email: [email protected]: 0181-2480967
    Jammu Email: [email protected]: 0191-2479717, 2479791
    Jodhpur Email: [email protected]: 0291-2657117 or 0291-2635076
    Karnal Email: [email protected]: 1842-208400
    Ludhiana Email: [email protected]: 0161-2424074
    Noida Email: [email protected]: 0120-2444026
    Rohtak Tel: 1262-228328
    Shimla Tel: 0177-2629212
    Srinagar Tel: 0191-2475839
    Udaipur Tel: 0294-2488581

    For Southern Zone

    Name of the City Email ID & Phone No.
    Chennai Email: [email protected]: 044-28611912, 044-28611642
    Chennai-II Email: [email protected]: 044-25331915
    Coimbatore Email: [email protected]: 0422-2300300
    Ernakulam Email: [email protected]: 0484-2383883
    Hubli Email: [email protected]: 0836-2255073, 2264333, 2264233
    Kottayam Email: [email protected]: 0481 2302408
    Kozhikode Email: [email protected]: 0495-2725583, 0495-2726006
    Madurai Email: [email protected]: 0452-2370361
    Mangalore Email: [email protected]: 0824-2426255
    Salem Email: [email protected]: 0427-2440588
    Thanjavur Tel: 04362-233678
    Tiruchirappalli Email ID: [email protected]: 0462-2577070
    Tirunelveli Email ID: [email protected]: 0431-2741000
    Trivandrum/Thiruvananthapuram Email ID: [email protected]: 0471-2335222
    Vellore Email ID: [email protected]: 0416-2252202

    For Central Zone

    Name of the City Email ID & Phone No.
    Bhopal Email: [email protected]: 0755-2550242
    Bilaspur Tel: 07752-2203732
    Gwalior Email: [email protected]: 0751-2630272
    Indore Email: [email protected]: 0731-2533523
    Jabalpur Email: [email protected]: 0761-2407283
    Raipur Email: [email protected]: 0771-2210010
    Satna Tel: 07672-228100
    Shahdol Tel: 07652-248469

    For North-Central Zone

    Name of the City Email ID & Phone No.
    Aligarh Tel: 0571-2420066
    Allahabad Tel: 0532-2401854
    Bareilly Tel: 0581-2301712
    Dehradun Tel: 0135-2668231
    Faizabad Tel: 5278-244261
    Gorakhpur Tel: 0551-2230322
    Haldwani Tel: 05946-267886
    Kanpur Email: [email protected]: 0512-2307443
    Lucknow Email: [email protected]: 0522-2614782
    Meerut Tel: 0121-2671201
    Varanasi Email: [email protected]: 0542-2220457

    For South-Central Zone

    Name of the City Email ID & Phone No.
    Bangalore Email: [email protected]: 080-22966528 & 22966553
    Bangalore-II Email: [email protected]: 080-22966836/896
    Belgaum Email: [email protected]: 0831-2438856, 2438857
    Dharwad Tel: 0836-2441968
    Gulbarga Email: [email protected]: 08472-233030
    Guntur Email: [email protected]: 0863-2222772, 2211476, 0863-2211562
    Hyderabad Email: [email protected]: 040-23420730, 23420740 & 23420761
    Kadapa Tel: 08562-247017
    Karimnagar Tel: 0878-2240597
    Machilipatnam Tel: 08672-223372
    Mysore Email: [email protected]: 0821-2341096, 2341099
    Nellore Tel: 0861-2323072
    Raichur Tel: 08532-232432
    Rajahmundry Tel: 0883-2423832
    Secunderabad Email: [email protected]: 040-27820146, 27820136
    Shimoga Tel: 08182-251320
    Udupi Tel: 0820-2536907
    Vijayawada Email: [email protected]: 0891-2533211
    Visakhapatnam/Vizag Email: [email protected]: 0891-2558254, 2513404
    Warangal Email: [email protected]: 0870-2574034

    Track LIC Policy Status via SMS

    In addition to online registration, you can check your LIC policy status via SMS from your mobile phone. This eliminates the need to remember a password for online policy status checks.

    Remember your policy number, as it is essential for this process.

    To check the status via SMS, type 'ASKLIC' followed by the specific function code and your <Policy Number>, then send it to 56767877.

    SMS Codes for Different Services

    Various SMS codes are available for different services:

    Enquiry Type SMS code (Send to 56767877)
    Instalment Premium Write "ASKLIC<Policy Number>PREMIUM"
    Revival Amount Write "ASKLIC<Policy Number>REVIVAL"
    Status of Nominations Added Write "ASKLIC<Policy Number>NOM"
    Bonus Additions Write "ASKLIC<Policy Number>BONUS"
    Loan Amount Available Write "ASKLIC<Policy Number>LOAN"

    SMS for LIC Pension Policy

    Enquiry Type SMS code (Send to 56767877)
    Status of Individual Policy Plan (IPP) Write "ASKLIC<Policy Number>STAT"
    Existence Certificate Due Write "ASKLIC<Policy Number>ECDUE"
    Last Annuity Release Date Write "ASKLIC<Policy Number>ANNPD"
    Annuity Amount Write "ASKLIC<Policy Number>AMOUNT"
    Cheque Return Information Write "ASKLIC<Policy Number>CHQRET"

    How to Check the LIC Policy Surrender Value

    The surrender value is the amount paid to the policyholder upon discontinuation of a policy, collected from LIC. The surrender value is only payable after premiums have been fully paid for at least 3 years. As per rules and regulations, any accumulated bonus is also added if it's a participating policy.

    To check the surrender value, you can easily calculate it using the formula below:

    Basic Sum Assured × (Number of Paid Premiums / Total Number of Payable Premiums) + Total Bonus Received × Surrender Value Factor.

    Why Check LIC Policy Status On Time?

    In the everyday hustle, people often forget to pay premiums on time. Therefore, it is crucial to track and check your policy status at least once every two months. This ensures that if a premium was accidentally missed in the previous month, you can pay it within the grace period of the next month. Additionally, you will stay updated on detailed information and any transitional bonuses offered by the policy. If premiums are not paid timely, the policy will lapse, and you and your family will not be able to enjoy the plan's benefits. Reviving a lapsed policy can be time-consuming and troublesome, especially if premiums have been delayed and the policy has been lapsed for more than 6 months. Therefore, to keep yourself and your family insured and financially secure, it is advisable to check your policy status regularly and pay premiums by the due date.

    Checking your policy status regularly takes only a few minutes and can save you from future hassles.

    How Can I Check the Status of My LIC Policy if I Have Lost Policy Documents?

    Losing your LIC policy document can be stressful, but you can still check its status by providing your policy number and other required details. You can visit the LIC website, use the LIC mobile app, or visit the nearest LIC branch office to check your policy status. Follow the steps below:

  • Conduct a Thorough Search: The first step to determine the status of your lost LIC policy document is to conduct a thorough search. Search for the policy document at your residence, among your investment papers, at your office, or with your agent if you entrusted it to them.
  • Check for Pledge or Assignment: If you have taken a loan against your LIC policy, there's a chance the policy document is held by LIC or another financial institution as collateral. Verify if the document you're looking for is safely held by another financial institution. This will save you time and effort in searching for lost documents.
  • Apply for Duplicate Policy: If you are certain the policy document is untraceable, you can apply for a duplicate policy at the branch that services your policy. The following steps must be followed:
  • Lodge a Police Complaint: File a police complaint regarding the loss of your policy document. This is an important step, serving as evidence of the loss.
  • Submit an Application: Submit an application to the branch servicing your policy, stating the loss of your policy document and requesting a duplicate.
  • Provide Necessary Documents: Submit required documents such as a copy of the police complaint, a notarized indemnity bond, and an affidavit detailing the circumstances of the policy document's loss.
  • Pay the Fees: Pay the required fees for issuing the duplicate policy.
  • Follow Up: Follow up with the branch to check the status of your application and the issuance of the duplicate policy.

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    Frequently Asked Questions

    The 13 most-asked questions about LIC Policy Status, answered.

    Registering yourself on the LIC portal is extremely easy and hassle-free. e-Services by LIC allows new users to begin registering by choosing their own credentials first. Simply fill out the form for registration available online, along with any documents (if required) and submit. Once you have registered successfully, you will receive a confirmation message on the email ID that you have provided. In the email, you will notice a link. Click on the link and you will be taken to a webpage wherein you will be able to link your policy with your account.
    The answer is yes! A customer should check their policy status regularly to avoid the risk of policy lapse. It could cost you dearly and you may need to pay additional money to revive the policy. You must check premiums, due dates, and other factors to stay on top of every detail about your policy.
    People who have not registered themselves online can check their LIC policy status in a jiffy by means of SMS and phone call service.
    There are no charges involved in getting LIC policy status updates. However, SMS charges may apply if you use that service as per your provider. If you are a registered user on the online portal, you can simply log in and view the details.
    Login to the LIC website and add the accurate details, your policy number will be displayed on the screen.
    You can check your LIC policy details online by simply logging on to the official website of LIC India with your LIC login credentials.
    Yes, you can get the details of your LIC policy by the policy number. You can visit the LIC website or the nearest LIC branch office to know the details of your policy.
    For a LIC policy status check, you can visit the LIC website and enter your policy number and other required details. You can also use the LIC mobile app or send an SMS to LIC with your policy number to know the status of your policy. Additionally, you can visit the nearest LIC branch office to know the status of your policy. Now the policy status can also be known through our Interactive Voice Response Systems in selected cities to find out if your city is covered. Major cities are connected by LIC’s computerized networks, so the status will be available in any of the branches..
    The LIC policy status indicates the current status of your policy. It shows whether your policy is active or inactive, and whether the premium payments are up-to-date or not.
    You can still check your LIC of India Policy Status by applying for a duplicate policy at the branch. It is essential to keep your policy document safe and secure to avoid such situations.
    Yes, you can update the status of your LIC policy online by visiting the LIC website or using the LIC mobile app, or visiting the nearest branch with the related policy documents.
    The "in force" status in LIC policies means that your policy is active, and the premium payments are up-to-date. This status indicates that your policy is valid and will provide coverage as per the terms and conditions of the policy.
    The lapsed status in LIC policies means that your policy has expired due to non-payment of premium. This status indicates that your policy is no longer active and will not provide coverage. You can revive your policy by paying the overdue premium within a specified time period.

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