• How To Find LIC Policy Number

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    How to find LIC policy number with name and date of birth

    Investing in LIC policies is typically a long-term commitment. While most people keep their personal finances in order, there are some who often misplace their policy documents due to unexpected reasons. This may happen often with various single-premium plans. Since the premium payment is only one time, people don’t keep track of their policy documents till the date of its maturity. Sometimes parents buy policies for their children and may not tell them where they have placed the policy documents. This may create a problem for their family members to make a death claim from LIC.

    Only if you know your policy information, you can take further steps and retrieve the outstanding claim. If you are someone who has no idea of whether or not there are any LIC policies in your name, you can make a simple check and know the policy details. Even if you have misplaced your policy documents, there are ways to find out your policy number in easy steps. This can be done with the help of your name and date of birth. Let’s find out the different ways in which this search can be done.

    Online method

    Before you get your hopes up, let’s get one thing clear that LIC currently has no provisions to display policy information online even with your name and date of birth. This is mainly for security reasons. The online method is applicable only for unclaimed policies that remain unclaimed for at least 6 months from the date of its maturity. These unclaimed policies and outstanding amount can be identified through the following method:

    • Step 1: Visit LIC’s official webpage for unclaimed and outstanding amount: https://www.licindia.in/Bottom-Links/Unclaimed-Policy-Dues
    • Step 2: Once you visit the site, you can see boxes for LIC policy number, name, date of birth, and PAN number. Here, name and date of birth are mandatory.
    • Step 3: Enter your name and date of birth in the space provided.
    • Step 4: Click on the ‘submit’ button.

    Offline methods

    Just to stress it again, you must know that the online process can be used only for amounts that remain unclaimed with the LIC. It cannot be used for policies that are active within their policy term. If you want to know whether there are any active policies in your name, you may have to visit the branch directly or contact your agent. This can be done as follows:

    • Contacting the agent: If you are in touch with your LIC agent, it is quite easy to find out your policy number without even having to visit the home branch. LIC agents have their ‘agents account’ in the LIC official portal. They can login into the company’s database and take a look at the active policies they have issued for their clients. This is the easiest way to find out your policy information if you have misplaced your policy details.
    • Visiting the home branch: If you couldn’t find out your policy number through your agent, the best thing you can do is to visit the home branch directly. You may check with one of the officials in the branch on the possibility of finding your policy number. Branch officials may verify your identity through any of the official documents you provide. Hence, it is important to carry your PAN card or other identify proof when visiting the branch. In case of genuine enquiries, officials will search the LIC database and find out if there are any policies available in your name. You may also use the same procedure to find out the policy details of the ones that your parents may have taken.

    Ways to avoid losing your policy details

    If your policy details are well protected, you don’t have to go through the hassle of finding out your policy number through the above means. Here are a few tips to keep your policy details secure:

    • Alway keep your personal finance documents in one folder. It is a good habit to maintain all your records in the same folder and keep everything together.
    • Open a login account for your LIC policy by registering your policy online. Once you have created a login account, all your policy details will be stored online and you can access them whenever you want.
    • Make sure that you update your policy whenever there is a change. If you change your address, email, or phone number, it is necessary to update them in the policy document by visiting the home branch.
    • Always keep your immediate family members informed about your LIC policies. Since most insurance covers are intended for the family, it is important to keep them informed to ensure smooth claim settlement.

    Conclusion

    Loss of policy details may prevent you from getting the benefits you are supposed to receive. The best thing you can do is to keep your policy information safe. However, if you lose it under unexpected circumstances, you don’t have to panic as there is always a way to retrieve the information. It always helps to be in touch with your insurance agent who has sold you the policy. When you visit the home branch to retrieve the details, it is necessary to have all your personal information proofs ready. As mentioned here, retrieving the details of an LIC policy is a little hard but it is not impossible.

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