LIC Forms 2026 — Every Form Explained: What It Is, How to Fill, Where to Submit
Every LIC form explained in plain English — what it is, when to use it, how to fill it, and where to submit. All forms are available free at any LIC branch or at licindia.in.
⚠️ Always download forms directly from licindia.in — do not use photocopied or third-party printed forms for claim submissions.
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Maturity & Survival Claims
Form 3825
Discharge Form — Maturity Claim
When to use
When your policy term ends and you want to collect the maturity amount.
How to fill
Fill your policy number, full name, bank account number + IFSC, and sign with a ₹1 revenue stamp. Attach original policy bond and cancelled cheque.
Where to submit
Submit at your LIC servicing branch or courier to the branch.
💡LIC sends this form 2 months before maturity. You can also download it from licindia.in → Forms.
Form 3822
Survival Benefit Claim
When to use
For Money Back plans — when a survival benefit (periodic payout) becomes due during the policy term.
How to fill
Fill policy number, survival benefit date, and bank details. Attach cancelled cheque and Aadhaar copy.
Where to submit
Submit at LIC branch or send to LIC by post.
💡LIC typically sends an intimation letter before each survival benefit due date. You can also claim proactively.
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Death Claims
Form 3784 (Form A)
Claimant's Statement — Death Claim
When to use
When the policyholder dies and the nominee needs to claim the death benefit.
How to fill
Fill: policyholder's name, policy number, date/place/cause of death, nominee's name, bank details, relationship to policyholder. Nominee signs the form.
Where to submit
Submit at LIC servicing branch along with death certificate and original policy bond.
💡This is the primary death claim form. Must be accompanied by Form B (doctor's certificate) for natural death, or FIR + post-mortem report for accidental death.
Form B
Medical Certificate — Death Due to Illness
When to use
Required for all death claims where the policyholder died due to an illness or natural causes.
How to fill
Filled and signed by the last treating doctor, not by the claimant. Doctor certifies the cause of death, diagnosis, and treatment history.
Where to submit
Obtain from the hospital or doctor who last treated the policyholder. Submit with Form 3784.
💡For deaths at home without medical treatment, the doctor who certified death on the death certificate can fill this form.
Form B1
Certificate of Hospital Treatment
When to use
For claims where the policyholder was treated in a hospital before death — supplements Form B.
How to fill
Filled by the hospital (doctor or medical superintendent) with treatment details, diagnosis, and duration of hospitalisation.
Where to submit
Obtain from the hospital. Submit with Form 3784 and Form B.
💡Not required if the policyholder died without hospitalisation.
Form E
Certificate of Identity and Burial / Cremation
When to use
Certifies that the cremation/burial occurred and identifies the deceased — required for early death claims (death within 3 years of policy).
How to fill
Filled by a person of responsibility (sarpanch, municipality official) who can certify the death and identity.
Where to submit
Submit with Form 3784 for early death claims.
💡Not required for all claims — LIC will specifically request this if investigating an early claim.
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Policy Surrender
Form 5074
Surrender Request Form
When to use
When you want to terminate your LIC policy before maturity and receive the surrender value.
How to fill
Fill policy number, reason for surrender, and bank details (account number + IFSC). Attach original policy bond, Aadhaar copy, and cancelled cheque.
Where to submit
Submit in person at your LIC servicing branch. Cannot be submitted online.
💡Surrender is only allowed after 3 years of premium payment. Calculate your surrender value at licindia.in before deciding — you may get more by waiting for maturity.
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Policy Loan
Form 3512
Policy Loan Application
When to use
When you want to borrow money against your LIC policy (up to 90% of surrender value at ~9–10% interest).
How to fill
Fill policy number, loan amount requested, and bank details. Policy holder signs. Attach original policy bond.
Where to submit
Submit at your LIC servicing branch.
💡Policy loan is far better than surrendering — your policy remains active. Repay anytime with no prepayment penalty.
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Lost or Damaged Documents
Form 3756
Indemnity Bond — Lost Policy Bond
When to use
When you've lost the original policy bond document and need to claim maturity/surrender or get a duplicate issued.
How to fill
Fill policy number and sign the indemnity declaration. Also prepare a separate affidavit on ₹100 stamp paper stating the bond is lost and you'll return it if found.
Where to submit
Submit at your LIC servicing branch along with the affidavit and ID proof.
💡After submitting, LIC issues a duplicate policy bond in 15–30 working days. Keep this safe — don't lose it again.
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Contact & KYC Updates
Form 3510 / NACH Form
Mobile Number / Bank Update + Auto-Debit Setup
When to use
When you want to update your registered mobile number, email, or bank account — or set up auto-debit (NACH) for automatic premium payment.
How to fill
Fill your policy number(s), new mobile number / bank details. Sign and submit with Aadhaar copy as KYC.
Where to submit
Submit at any LIC branch. Mobile update takes 2–3 working days.
💡Keeping your mobile number updated is critical — LIC sends all OTPs, premium due reminders, and maturity intimations to your registered mobile.
Nomination Form
Nomination / Change of Nominee
When to use
When buying a policy (to register nominee) or when you want to change your existing nominee.
How to fill
Fill nominee's full name, date of birth, relationship to policyholder, address. Policyholder signs. Two witnesses required.
Where to submit
Can now be done online at licindia.in → Customer Portal → Service Requests → Nomination. Or submit physical form at branch.
💡Always register a nominee. If you die without one, the death benefit goes through lengthy legal heir proceedings.
Assignment Form
Policy Assignment
When to use
When transferring ownership of the policy to another person — usually done when using the policy as collateral for a bank loan.
How to fill
Fill assignee's details, reason for assignment, policy details. Both assignor and assignee sign. Submit to LIC after the bank stamps their copy.
Where to submit
Submit at LIC servicing branch. LIC endorses the assignment on the policy bond.
💡For bank loans (absolute/conditional assignment), your bank will give you their assignment deed format — submit that to LIC.
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Revival (Lapsed Policy)
Revival Form + DGH
Policy Revival Application + Declaration of Good Health
When to use
When your policy has lapsed (missed premiums) and you want to revive it — pay all dues + interest and get the policy in-force again.
How to fill
Fill revival application at your LIC branch. If lapsed for more than 6 months, also fill Declaration of Good Health (DGH) declaring no change in health since last premium. Medical report may be required for lapse over 2 years or high SA.
Where to submit
Submit at your LIC servicing branch with payment of all outstanding premiums + interest.
💡Revival is allowed within 5 years of the first unpaid premium. The sooner you revive, the lower the interest penalty. A revived policy has full benefits restored from the revival date.