Policy services
Most of what people need from a life insurance policy after buying it is administrative: a nominee to change, a premium that got missed, a document that cannot be found, a loan to arrange. None of it is complicated, and all of it is easier when you know what to take with you before you go.
Each page below covers one task — what it involves, what is typically required, the order to do it in, and the mistakes that actually cost people money. Where something genuinely has to go through LIC directly, the page says so rather than implying it can be handled here.
Reviving a lapsed policy
Your policy lapsed. Here is what reviving it actually involves, and why waiting makes it harder rather than just later.
What it involves →Taking a loan against your policy
Often the option people overlook — and usually better than surrendering a policy you have held for years.
What it involves →Surrendering a policy
How it is actually done — and the two things worth ruling out before you do it.
What it involves →Adding or changing a nominee
The five-minute task that decides how quickly your family is actually paid.
What it involves →Paying premiums and missed due dates
What the grace period actually gives you, and what to do the day you realise you have missed a payment.
What it involves →Replacing a lost policy document
The policy is not lost just because the paper is. Here is how a duplicate is issued.
What it involves →Making a claim
Death, maturity and survival benefit claims — what is needed, who to contact, and how long it typically takes.
Open the claims guide →Who can get help with these
Full servicing assistance — preparing the paperwork, following it up with the branch, and chasing it to completion — is for policies bought or serviced through KNATRA. If your policy is with another agent or was bought directly from LIC, everything on this page still applies to you, and you are welcome to ask for help with a specific case.