🗓️Last Updated: June 2026

LIC Claim Status 2026 — Track Your Claim in 2 Minutes (98.6% Settled)

How to check the status of your LIC claim online — whether it's a death claim (filed by nominee) or a maturity claim (policyholder). Track claim progress, understand the timeline, know what documents are needed, and learn why LIC rejects claims and how to avoid it.

✓
Verified by NagrikIQ Research Team
Sources: Official .gov.in portals only · Updated June 2026
🔗LIC Claim Status — Customer Portal — Official Portal →

📋 Overview

LIC handles two main types of claims: (1) Death Claims — filed by the nominee when the policyholder dies during the policy term. (2) Maturity Claims — paid to the policyholder when the policy completes its full term. LIC's claim settlement ratio is 98.6% (2023-24) — one of the highest in India's insurance industry. This means nearly all genuine claims are settled. The average time for claim settlement is 30 days for death claims with complete documents, and 5–7 working days for maturity claims. How to track claim status: Login to licindia.in → Customer Portal → 'Claim Status'. You need the claim reference number given when you submitted documents. You can also call the LIC helpline with your policy number. Death claim process overview: Nominee informs LIC branch → submits death certificate + claim form + policy bond + nominee ID + bank details → LIC investigates and settles within 30 days. For claims where the policyholder died within 3 years of policy issuance, LIC does additional investigation (early claim investigation).

✅ Eligibility

  • ✓Death Claim: nominee or legal heir named in the policy. If no nominee, legal heir certificate required.
  • ✓Maturity Claim: the policyholder themselves, when the policy term is complete and all premiums are paid.
  • ✓Survival Benefit (Money Back plans): policyholder, at each survival benefit payment date during the term.
  • ✓Accidental Death Benefit: nominee, if the policyholder had the Accident Benefit Rider and died in an accident.
  • ✓The policy must be in 'In-Force' status at the time of death (all premiums paid) for the full death benefit. Lapsed policies have reduced or no benefit.

📁 Documents Required

▸For Death Claim: Claim Form A (Form 3784) — available at any LIC branch or licindia.in
▸Original death certificate issued by municipality/gram panchayat
▸Original policy bond
▸Nominee's photo ID proof (Aadhaar / PAN / passport)
▸Nominee's bank account details — cancelled cheque or passbook copy
▸Claimant's statement (Form B) — if death was due to illness
▸Medical certificate (Form B1) — from last treating doctor (for illness-related deaths)
▸Post-mortem report + police FIR — for accidental/unnatural deaths
▸For Maturity Claim: Discharge Form 3825 + original policy bond + bank details + ID proof

💰Fees & Processing Time

Fee
Filing a claim with LIC is completely free. No fee is charged for claim processing or settlement.
Processing Time
Maturity claims: 5–7 working days after complete documents received. Death claims: 30 days after complete documents received. Early death claims (death within 3 years of policy): 90 days (requires investigation). Accidental death claims: 30–45 days.

🖥️ How to Apply Online

  1. 1To track an existing claim: Login to licindia.in → Customer Portal → 'Claim Status' → enter your claim reference number.
  2. 2Alternatively: call LIC helpline 022-68276827 and provide your policy number to get claim status over phone.
  3. 3To file a Death Claim: Download Form 3784 (Claimant's Statement) from licindia.in → Forms section.
  4. 4Nominee fills Form 3784 with: policy number, policyholder's details, date/cause/place of death, nominee's bank details.
  5. 5Attach: death certificate (original) + original policy bond + nominee Aadhaar copy + cancelled cheque.
  6. 6For natural death: also attach Form B (medical certificate from last doctor). For accidental death: attach FIR + post-mortem report.
  7. 7Submit all documents at the LIC branch that services the policy. Receive an acknowledgement with claim reference number.
  8. 8LIC will contact the nominee if additional documents are needed. Settlement amount is credited to nominee's bank via NEFT.

🏢 How to Apply Offline

  1. 1Visit the LIC branch that issued or services the policy — bring all original documents.
  2. 2For large death claims (SA above ₹10 lakh), LIC may send a field officer to verify the claim — cooperate fully.
  3. 3If claim is delayed beyond 30 days without reason, nominee can escalate to LIC Divisional Office or file a complaint with IRDAI Grievance portal (bimabharosa.irdai.gov.in).
  4. 4If claim is rejected, LIC must provide a written reason. Nominee can file a complaint with the Insurance Ombudsman (free, binding decisions up to ₹50 lakh).

⚠️Common Problems & Solutions

✗LIC rejected the death claim — what to do
→LIC must give a written reason for rejection. Common reasons: (1) Policy lapsed due to unpaid premiums — nominee must check if the lapse was within the grace period. (2) Non-disclosure — policyholder hid a medical condition when buying — LIC can repudiate within 3 years under Section 45 of Insurance Act. (3) Suicide within 1 year of policy — excluded under policy terms. (4) Missing documents — resubmit with complete paperwork. For unjust rejection, file with Insurance Ombudsman — free, covers claims up to ₹50 lakh.
✗Nominee is not mentioned in the policy — who gets the death benefit?
→If no nominee was registered, the death benefit is paid to the legal heir. The claimant must provide: Legal Heir Certificate (from court or tahsildar), Succession Certificate (if multiple heirs), and all heirs must sign a discharge form. The process takes longer (60–90 days). Always register a nominee — it can be done at licindia.in → Service Requests → Nomination.
✗Policy was lapsed at the time of death — is there any death benefit?
→If the policy lapsed but had been in-force for at least 3 years, a reduced 'Paid-Up' death benefit may be payable — proportional to premiums paid vs total premiums due. If the policy was lapsed with less than 3 years of premiums paid, generally no benefit is payable. Check with LIC branch for the specific Paid-Up Value of the lapsed policy.

❓ Frequently Asked Questions

Q.How long does LIC take to settle a death claim?

LIC must settle a death claim within 30 days of receiving all required documents. If investigation is required (early claim — death within 3 years of policy), up to 90 days. If LIC delays beyond these periods without reason, they must pay interest on the claim amount at 10% per annum from the due date. IRDAI regulations require insurers to settle all admitted claims within 30 days.

Q.Can I file a LIC death claim online?

Currently LIC does not offer fully online death claim filing — physical submission of the original death certificate and policy bond is required. However, you can download all claim forms from licindia.in, fill them online, and then submit the complete packet at the nearest LIC branch. LIC is gradually moving toward paperless claims — check licindia.in for latest updates.

Q.What is LIC's claim settlement ratio?

LIC's claim settlement ratio for 2023-24 was 98.62% — meaning LIC paid 98.62 out of every 100 death claims filed. This is the highest in the Indian life insurance industry. The total claims paid in 2023-24 were over ₹30,000 crore. A high settlement ratio reflects LIC's reliability and the importance of correct disclosure when buying a policy.

📞Helpline & Support

  • ▸LIC Helpline: 022-68276827 (8AM–8PM, Mon–Sat)
  • ▸LIC Claim Grievance Email: bo_complaints@licindia.in
  • ▸IRDAI Grievance Portal: bimabharosa.irdai.gov.in
  • ▸Insurance Ombudsman: cioins.co.in
Was this guide helpful?
👍 Yes, helped me✏️ Needs improvement
Your feedback helps us improve guides for all Indians
⚠️

Disclaimer: NagrikIQ is an informational platform and is not affiliated with any government department. Information provided is for guidance only. Always verify details on the official government portal before taking action.