How do I log in to my LIC policy revival online?

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To log in and check or revive your policy online, visit the Life Insurance Corporation of India Portal and click on Login to Customer Portal.

✅ How to Log In

  • Open the LIC India Official Website.
  • Click Login and select Customer Portal.
  • Choose your login method:
    • User ID: Enter your registered ID, email, or mobile number with your password.
    • OTP: Log in quickly using your mobile number and date of birth.
    • Scan QR: Use the official mobile app to scan and sign in.

💡 Steps to Revive Your Policy

  • Log in to the Customer Portal using your credentials.
  • Register for Premier Services if you haven’t already done so.
  • Navigate to the Revival Quotation or Online Services section.
  • View the due amount and late fees required to reactivate your lapsed policy.
  • Submit a Declaration of Good Health and complete the e-KYC verification using Aadhaar OTP if prompted.
  • Pay the required revival amount online securely via net banking, UPI, or cards.

How do I revive my lic policy online?

You can revive a lapsed LIC policy online by logging into the LIC Customer Portal or using the Pay Direct option on the Official LIC Website.

🗓️ Steps to Revive Online

  • Go to the official LIC Portal.
  • Select Pay Premium on the homepage.
  • Click on Renewal Premium / Revival.
  • Log in or use Pay Direct with your policy details.
  • Enter your policy number, date of birth, and mobile number.
  • View the total due premiums, interest, and late fees.
  • Pay the total amount via net banking, UPI, or card.

⚠️ Important Conditions

  • Time limit: Must be within 5 years of the first unpaid premium.
  • Health proof: You may need to submit a declaration of good health or medical reports.
  • Approval: Coverage resumes only after LIC officially accepts the revival.

Can lapsed policy revival scheme 2026?

You can check details and status updates regarding the LIC Lapsed Policy Revival Scheme which offered special late fee concessions for eligible policies earlier in the year.

Scheme Overview

  • Provider: Life Insurance Corporation of India (LIC)
  • Campaign Period: January 1, 2026, to March 2, 2026 (concluded)
  • Eligibility: Non-linked individual policies within 5 years of the first unpaid premium during the premium-paying term.

Key Benefits Offered

  • Late Fee Concessions: Up to a 30% discount on late fees for non-linked plans (capped at ₹3,000 for premiums up to ₹1,00,000; ₹4,000 for ₹1,00,001–3,00,000; and ₹5,000 for ₹3,00,001 and above).
  • Micro Insurance: 100% full late fee waiver.
  • Exclusions: No concessions applied to medical or health requirements.

How many times can a LIC policy be revived?

There is no official limit on the number of times a Life Insurance Corporation of India (LIC) policy can be revived during its overall tenure. You can let a policy lapse and revive it multiple times, provided you satisfy the necessary conditions each time.

Instead of a limit on the frequency of revivals, LIC strictly enforces limits on the timeline and conditions for each individual revival:

Key Rules for Revival

  • The 5-Year Window: A lapsed policy can generally be revived within 5 consecutive years from the date of the First Unpaid Premium (FUP). If this 5-year window closes, the policy cannot be revived normally.
  • Policy Status: The revival must be completed before the policy matures and while the life assured is still alive.
  • Cost: Every time you revive the policy, you must pay all accumulated overdue premiums along with interest/late fee penalties.
  • Health & Underwriting: Depending on how long the policy has been lapsed and the sum assured, LIC may require a Declaration of Good Health (Form 680) or new medical check-ups to prove insurability. If health conditions have worsened severely, LIC reserves the right to reject the revival or load the premium.

Special Revival Campaigns

LIC regularly runs Special Revival Campaigns (such as the ones held in late 2025 and early 2026). During these promotional windows, policyholders can reinstate their policies while enjoying up to 30% off late fees (capped at ₹3,000 to ₹5,000 depending on premium amounts) or a 100% waiver for micro-insurance plans.

How to retrieve old LIC policy?

You can find an old Life Insurance Corporation of India (LIC) policy by visiting the LIC Policy Status page or checking the Unclaimed Amounts of Policyholders portal.

If you lost or misplaced your old policy details, use these steps to track them down:

Search Online

  • Check Unclaimed Dues: Go to the official Unclaimed Amounts of Policyholders page and enter your name, date of birth, or PAN card to see if maturity or survival benefits are waiting.
  • Use the Customer Portal: Register as a new user on the LIC Policy Status portal using your basic details, date of birth, and PAN card to view all linked policies.
  • WhatsApp Chatbot: Save the official LIC WhatsApp number (+91-8976862090) and send a "Hi" from your registered mobile number to check active policy information.

Search Offline and Via Records

  • Bank Statements: Look through old bank passbooks or statements for past premium debit transactions.
  • Old Receipts: Review old tax filing documents, home files, or premium payment receipts.
  • Visit a Branch: Go to your nearest LIC Branch with a valid government ID proof (like a PAN card or Aadhaar card) and request assistance to trace the policy via your personal details.

LIC Policy Revival Conditions |

9 related questions found

Can I revive a lapsed policy?

Yes, you can revive a lapsed insurance policy within a specific time frame by paying overdue amounts and proving your health.

Steps to Revive a Policy

  • Contact your insurer: Call, visit a local branch, or log in to your provider's online portal (such as ICICI Prudential Life Insurance) to start the process.
  • Pay overdue balances: Pay all missed premiums, plus any late fees, penalties, and accrued interest.
  • Submit a health form: Fill out a declaration of good health or a reinstatement application.
  • Undergo a medical exam: Provide recent medical reports or take a fresh health check-up if your policy has been lapsed for a long time.

Important Rules

  • Time limits: Most life insurance policies must be revived within 2 to 5 years from the date of the first unpaid premium.
  • Acting fast: Reinstating the policy within 6 months usually means paying lower penalties and avoiding strict medical tests.

What happens if my LIC policy is lapsed?

When your LIC Policy Guidelines lapse, your life cover stops, and you lose claim benefits and accumulated bonuses.

⚠️ Immediate Consequences

  • Loss of Cover: Death or maturity claims will not be paid.
  • Forfeited Bonuses: Your policy stops earning future bonuses.
  • No Tax Benefits: Deductions under Section 80C or 10(10D) stop.

💡 Your Options

  • Revival: Restore full benefits by paying dues with interest within 5 years.
  • Paid-Up Conversion: Keep a reduced sum assured if premiums were paid for 3+ years.
  • Surrender: Exit the policy for a payout if surrender value is applicable.

What happens if the lic premium is not paid after 3 years?

If you stop paying your Life Insurance Corporation of India (LIC) premiums after paying them for at least 3 consecutive years, your policy does not completely lapse; instead, it acquires a Paid-Up status or becomes eligible for Surrender.

What Happens to Your Policy?

  • Paid-Up Value: Your policy continues with a reduced sum assured (called the paid-up value) calculated based on the number of premiums you actually paid versus the total number you were supposed to pay.
  • Reduced Benefits: No further bonuses accrue after you stop paying, but you will receive the reduced sum assured plus bonuses accumulated up to the date of default when the policy matures or upon the policyholder's death.
  • Surrender Value: You can choose to officially surrender the policy to receive a immediate lump-sum cash payout, though this amount is typically lower than the total premiums you paid.
  • Revival Window: You have up to 5 years from the date of the first unpaid premium to revive your policy by paying the arrears with interest and submitting health proofs.

What is the LIC form for revival of a lapsed policy?

The primary form used by the Life Insurance Corporation of India (LIC) to revive a lapsed policy is LIC Form 680, which is a Personal Statement Regarding Health used for medical and non-medical revivals.

Common LIC Revival Forms

  • LIC Form 680: The standard personal health statement required for reviving most regular lapsed policies.
  • LIC Form 720: Used for policy revivals or new plans under the Children's Deferred Assurance (C.D.A.) plan with a deferment period of 10 years or more.
  • LIC Form 700: Used for personal health statements regarding minors for specific policies outside the long-deferment C.D.A. rules.

Requirements for Policy Revival

  • Fill out the appropriate health declaration form (Form 680 or Form 720).
  • Submit a written request letter along with your original policy document.
  • Provide identity and address proof (KYC documents if requested).
  • Pay all unpaid or overdue premiums along with the required interest.

Can I get my money back if my policy lapsed?

No, you generally cannot get a refund of past premiums if your policy lapsed due to non-payment, but you may be able to reinstate the policy or access remaining cash value depending on the type of insurance.

What Happens to Your Money

  • Non-Payment Cancellations: If your policy ended because you stopped paying, you do not get a refund. The money you already paid went toward covering the active risk window and any grace period. In fact, you may still owe for the days you were technically in a grace period before cancellation.
  • Permanent Life Insurance Cash Value: If you had a permanent life insurance policy with accumulated cash value, a lapse doesn't always mean total loss. The insurer might use your cash value to pay past dues automatically, or you can trigger a cash surrender value payout if any money remains after unpaid fees and loans.

Your Recovery Options

  • Reinstate the Policy: Most insurers let you restore a lapsed policy within a specific window (usually 30 days up to a few years). You will have to pay all back-due premiums, plus interest or reinstatement fees.
  • Prove Insurability: For longer lapses, companies may require a health questionnaire or a medical exam to restart a life policy.
  • Contact the Insurer: Reach out to your provider immediately to see if your account is still inside an extended grace period.