Staying updated on your life insurance status is essential today. Just like knowing the zila sahkari bank balance check number, it’s important to track your LIC balance too. Many people don’t realize how easy it is to perform an LIC balance check from home. Whether you are new to LIC or a long-time policyholder, this guide will help you learn how to check your balance quickly and easily.
What is LIC and Why Checking Balance Matters
LIC stands for Life Insurance Corporation of India, which is one of the oldest and most trusted insurance providers in the country. Millions of people rely on LIC policies for their financial safety and future security. However, simply owning a policy is not enough. It’s equally important to keep an eye on your balance, premium payments, and bonus details.
When you perform a LIC balance check, you know whether your policy is active, how much premium you have paid, and if there are any dues. This keeps you informed and protected from missing important deadlines.
Ways to Do LIC Balance Check Online and Offline
The Life Insurance Corporation offers multiple ways for you to check your policy status and balance. You can check online using the LIC portal or mobile app. You can also check using SMS, WhatsApp, or by calling the customer care number.
Most methods are simple and take just a few minutes. All you need is your policy number and sometimes the premium amount or registered mobile number.
Let’s go over each method in detail and understand how they work in 2025.
LIC Balance Check Using Customer Portal
LIC’s online portal is the most detailed method to track your policy information. If you are a registered user, log in to the LIC portal using your username and password. Once logged in, go to “Policy Status” and select the policy number you want to check.
You will see important details such as:
| Feature | Information Provided |
|---|---|
| Policy Status | Active, Inactive, Lapsed |
| Premium Paid | Total premium amount submitted till date |
| Due Dates | Next premium due and grace period |
| Bonus Info | Vested bonus amount updated by LIC |
| Maturity Value | Final amount at maturity (if applicable) |
If you’re not registered, you can sign up in a few steps. All you need is your policy number, premium amount, and personal details like date of birth and phone number.
LIC Balance Check Through SMS
If you don’t have internet access, SMS is a great way to check your LIC balance. From your registered mobile number, send an SMS in this format:
ASKLIC <Policy Number> STATUS to 56767877 or 9222492224
You’ll get a reply within seconds showing your policy’s current status. This is the simplest method for people who use feature phones or have limited internet.
You can also use SMS to get bonus details, premium due dates, or loan eligibility. This method is very handy for people in remote areas.
LIC Balance Check Using WhatsApp Bot
LIC has launched a WhatsApp chatbot service for easy communication. Save the number 8976862090 in your contacts. Send “Hi” to the number, and the bot will reply with menu options.
Choose “Policy Status” or “Premium Due” to check your balance and payment info. This method is great for people who prefer using chat platforms over websites or apps.
If you’re someone who likes banking support through messaging, this works just like how you’d use the bank of maharashtra balance check number for instant updates.
LIC Balance Check Through IVRS
The Interactive Voice Response System is another offline method. Dial 1251 from your phone if you’re using a BSNL or MTNL number. You can also use the local STD code + 1251 to access the service.
Once connected, follow the voice prompts to enter your policy number. You’ll hear your policy status, premium dues, and other basic info through a voice message. It is especially useful for senior citizens who prefer speaking to a system instead of using apps.
LIC Balance Check on Mobile App
LIC also offers a mobile app for Android and iPhone users. Download the “LIC Customer App” from your app store. Register or log in using your credentials.
Go to “Policy Status,” select your policy, and view detailed information about your payments, bonus, and more. The app also allows you to make premium payments directly.
Here’s what you can do with the app:
| App Features | Benefits |
|---|---|
| Check Policy Balance | View real-time balance and policy info |
| Pay Premiums Online | Secure payments from phone |
| Download Statements | Access policy bond, receipts, and more |
| Update Contact Details | Keep your mobile and email updated |
The app is user-friendly and helps manage all LIC-related services from one place.
What Details Are Needed for LIC Balance Check
To perform a balance check on your LIC policy, keep the following information ready:
Policy number (16-digit LIC number)
Registered mobile number
Date of birth
Premium amount (monthly/quarterly/yearly)
Some methods may only need your mobile number and policy number. Others, like portal registration, may ask for full KYC.
Having these ready makes your LIC balance check faster and easier.
Common Issues During LIC Balance Check
Sometimes, users face issues while checking their balance. Here are the common ones and their solutions:
| Problem | Reason | Solution |
|---|---|---|
| Invalid Policy Number | Typing mistake or old number | Double-check your policy number |
| Not Registered on Portal | New user or never used online services | Register first using official LIC website |
| Mobile Not Registered | SMS not working | Update mobile number with LIC branch |
| Server Error | LIC website down or busy | Try again after some time |
Being aware of these will help you troubleshoot faster if something goes wrong.
Why LIC Balance Check is Important in 2025
In today’s digital world, managing finances online is expected. Just like how we regularly check our bank account or wallet balance, it’s important to do an LIC balance check at least once every few months.
Here’s why:
It helps ensure your policy is active and premiums are up to date.
You get to track bonuses and maturity values easily.
It helps avoid penalties or missed payments.
You stay prepared for loan or withdrawal options on your policy.
Staying informed protects your investment and future security. It also helps your family stay safe in emergencies.
Future of LIC Balance Check and Automation
As technology grows, LIC is likely to launch more automated services like AI chatbots, voice assistants, and real-time notifications. The goal is to make life insurance as easy to manage as your savings account.
In future updates, we may even see auto-reminders, biometric login, and UPI-linked insurance dashboards that allow real-time LIC balance check with a click.
So staying familiar with these methods today keeps you ahead tomorrow.
Conclusion
Knowing your LIC balance is just as important as owning the policy itself. Whether you use the online portal, SMS, app, or IVRS, the key is to check regularly and stay updated.
You don’t need to be a tech expert. The steps are easy, and LIC has made sure every Indian can access their policy from home. From rural areas to big cities, the services are designed for all.
In 2025, managing your LIC policy is simpler than ever. Don’t wait until there’s a problem. Start your LIC balance check today and make sure your future is secure.
