Help centre
Frequently asked questions
Straightforward answers about this website, LIC plan research, and safe enquiries.
Is this the official LIC India website?
No. This is an independent LIC insurance advisor website. Official product documents and services are linked to licindia.in.
Can you guarantee policy returns?
No. Benefits depend on official policy terms. No personalised illustration or guarantee should be relied on without official documentation.
Do you collect policy passwords or OTPs?
No. Never share passwords, OTPs, card details or banking credentials through this website.
How is plan information verified?
Plan status and identifiers are checked against official LIC product pages, with a verification date shown on each plan.
How do I choose an LIC plan?
Start with the need you want to cover, your dependants, the time available, and a premium you can sustain. Compare official benefits, exclusions, and policy conditions before applying.
Does submitting an enquiry create a policy?
No. An enquiry only asks the advisor to contact you. A policy exists only after the insurer completes its application, underwriting, acceptance, and issuance process.
Where should I raise a policy grievance?
First contact LIC through its official grievance channel. If it remains unresolved, policyholders can use IRDAI's Bima Bharosa grievance platform or the Insurance Ombudsman process, as applicable.
Should I share an OTP or banking password?
No. Never share OTPs, passwords, PINs, card credentials, or internet-banking details through this website, phone calls, or messages.