5 ways to check your LIC policy — WhatsApp 8976862090, Customer Portal, SMS to 9222492224, LIC App, and Phone. Check premium due date, maturity date, bonus amount, loan status and download premium certificate. Complete guide for all 30 crore LIC policyholders.
By FinMandi TeamApril 30, 202612 min read✓ 2026 Updated
Download premium paid certificate for tax deduction filing
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Nominee Details
Check and update nominee — critical for smooth claim settlement
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Surrender Value
Current surrender value if you want to close the policy early
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Survival Benefits
Money-back installment dates and amounts (for money-back plans)
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Revival Quote
Amount needed to revive a lapsed policy with interest calculation
💬 Method 1 — WhatsApp (Fastest — 2 Seconds)
The fastest way to check your LIC policy in 2026 is via the official LIC WhatsApp chatbot. No login, no password, no website — just one message!
💬 LIC WhatsApp — Step by Step
1
Save the official LIC WhatsApp number
Save this number in your phone contacts — this is the ONLY official LIC WhatsApp
8976862090
2
Send "Hi" from your registered mobile number
Open WhatsApp → New chat → Type the number → Send "Hi". Must be from mobile number registered with LIC
3
Select your query from the menu
LIC bot will show options — choose: Premium Due, Policy Status, Bonus Details, Maturity Date etc.
4
Get instant results
Your policy details appear within seconds — no wait, no branch visit, works 24x7!
⚠️ Fraud Alert: Only use 8976862090 — this is the ONLY official LIC WhatsApp number. Never respond to random WhatsApp messages claiming to be LIC about "bonus release" or "policy expiry". These are scams. LIC never asks for OTP or bank details on WhatsApp.
🌐 Method 2 — LIC Customer Portal (Full Details)
The LIC Customer Portal gives you complete access to all policy details — premium history, bonus, maturity, loan, nominee, 80C certificate and more. Register once, check anytime.
🌐 LIC Portal Registration (First Time)
1
Visit the official LIC website
Go to official LIC website and click "Login to Customer Portal"
licindia.in
2
Click "New User" to register
Click "New User" button → Enter: Policy Number, Instalment Premium (without tax), Date of Birth, Gender, Email ID and PAN Card number
3
Create your password
Password must be 6-16 characters with uppercase, lowercase, number and special character (!@#$%&). Verify your email by clicking the link sent to your email ID.
4
Login and go to Policy Status
Login with your User ID and password → Click "Policy Status" tab → All your registered policies appear → Click any policy number to see full details
5
Download your 80C certificate
Go to "Premium Paid History" → Select financial year → Download the consolidated premium paid certificate for all your LIC policies. Use this for ITR filing under Section 80C.
💡 Premium amount tip: When registering, enter the instalment premium WITHOUT GST/service tax. Check your original policy bond for the base premium amount. If you don't know — your agent can tell you, or look at last year's premium receipt.
📱 Method 3 — SMS (No Internet Needed)
Check your LIC policy status via SMS — works without internet, from any mobile number!
📱 LIC SMS Service
1
For policy status check
Type this SMS and send to 9222492224
LICHELP [your policy number]
Example: LICHELP 123456789
2
Alternative SMS number
You can also send SMS to 56767877 for policy details
LICHELP [policy number] → 56767877
3
For pension policy status
Send to the same number with pension policy number. LIC will reply with basic policy details via SMS.
📲 Method 4 — LIC Digital App
The official LIC app is available on both Android and iOS. Once logged in, you can check all policy details, pay premiums, download statements and check bonus — all from your phone.
📲 LIC App Setup
1
Download the official LIC app
Search "LIC of India" on Google Play Store (Android) or App Store (iOS). Download the official app by Life Insurance Corporation of India.
2
Login with Customer Portal credentials
Use the same username and password from your LIC Customer Portal registration. If not registered yet, register on portal first (Method 2 above).
3
Access "Consolidated Premium Vault"
For 80C tax certificate — go to Consolidated Premium Vault → Select financial year → Download PDF. This shows total LIC premium paid across all policies for the year.
Submit complaints and queries online — get ticket number for tracking
🧮 LIC Maturity Value Estimator
Estimate how much you will receive when your LIC policy matures. Actual amount depends on LIC's declared bonus rates each year.
LIC Maturity Value Calculator (Indicative)
Based on approximate LIC bonus rates — actual maturity depends on annual bonus declarations
Sum Assured
₹5,00,000
Accrued Bonus
₹4,50,000
Est. Maturity Value
₹9,50,000
Total Premiums Paid
~₹3,40,000
📋 How LIC Maturity is Calculated: Maturity Amount = Sum Assured + Accrued Reversionary Bonus + Terminal Bonus. Reversionary Bonus = (Sum Assured / 1000) × Bonus Rate × Policy Term. LIC declares bonus rates annually — typically ₹40-₹60 per ₹1000 sum assured depending on the plan. Terminal bonus is a one-time addition at maturity. Check your accrued bonus on the portal for the exact accumulated bonus on your specific policy.
🧾 How to Download LIC 80C Certificate for ITR
Login to LIC Customer Portal at licindia.in → Customer Portal
Go to Premium Paid History → Select "Consolidated" option (covers all your own-life policies)
Select the Financial Year → For FY 2025-26 ITR, select April 2025 to March 2026
Download the PDF → This is your official 80C premium paid certificate
Alternative: LIC App → Look for "Consolidated Premium Vault" → Same process on mobile
80C deduction: LIC premiums qualify for up to ₹1.5 lakh deduction under Section 80C in old tax regime
💡 Tax season tip: Download your LIC premium certificate BEFORE filing your ITR. Many people forget and submit ITR without claiming LIC deductions — then need to file a revised return. Take 2 minutes to download it from the portal now! The portal keeps records for the last 3 financial years.
Want to Review Your LIC Policy?
Our banking and insurance experts will help you understand your policy value, whether to continue or surrender, and what better alternatives are available.
Yes! You can check without registration via SMS — send "LICHELP [policy number]" to 9222492224 from any mobile. Or call the customer care at 022-68276827 (24x7). For WhatsApp, it must be from your registered mobile number. The online portal and app require one-time registration, but SMS and phone work without any account setup.
Send an SMS: "LICHELP [your policy number]" to 9222492224. You will receive basic policy details via SMS. For more detailed information including maturity date and bonus — register on the LIC Customer Portal using your policy number, premium amount, date of birth and PAN. Once registered, you can view complete policy details.
If the policy is on your life (you are the insured), you can register it in the customer portal using the policy number and your date of birth. If the policy is on your parent's life (they are the insured), you need to use their date of birth and details for registration. The portal also allows you to link policies of minor children. For policies purchased before digitisation — your nearest LIC branch can help link the physical policy to online services.
For pure life protection — term insurance gives 10x more cover at 10x lower premium. A ₹1 crore term plan costs ₹500/month while a LIC endowment plan of ₹50L sum assured might cost ₹3,000-₹4,000/month. However, LIC endowment plans also return your premium at maturity (unlike term plans). The recommended approach: if you need life cover, buy a separate term plan for maximum cover. Keep your LIC endowment plan running if you are near maturity — surrendering early means significant loss.
LIC gives a grace period of 30 days for monthly premiums and 30 days for quarterly, half-yearly and annual premiums after the due date. If payment is made within the grace period, the policy continues normally with no penalty. After grace period — the policy lapses and cover stops. You can revive a lapsed policy within 5 years by paying all overdue premiums with interest and submitting a health declaration. Check the revival quote on the portal or by calling customer care.
⚠️ Disclaimer: This article is for educational guidance only. All LIC portal links, WhatsApp numbers, and SMS details are based on official LIC communications as of April 2026. Always verify contact details at licindia.in before use. FinMandi is not affiliated with LIC. For policy-specific advice, contact LIC directly or visit your nearest LIC branch. Maturity calculator values are estimates only — actual maturity amount depends on LIC's annual bonus declarations.