Life insurance serves as a crucial safeguard during emergencies and unexpected crises, providing financial security for you and your family. Keeping your life insurance policy with LIC active and renewed is essential to ensure continual coverage.


This piece delves into the strategies for reinstating a lapsed LIC policy, ensuring uninterrupted protection for policyholders. Understanding the Impact of a Lapsed Policy

When individuals fail to pay their premiums on time, their life insurance policies lapse, temporarily suspending access to policy benefits.

To remedy this situation, insurance companies typically offer a two-year window for policyholders to restore their coverage by clearing overdue premiums. Grasping the Implications of Lapsed Policies


A life insurance policy lapses when premiums aren’t paid within the stipulated timeframe. Timely premium payments are essential to uphold coverage.

Failure to do so leads to policy lapses, granting the Life Insurance Corporation of India (LIC) the authority to either reinstate or decline the canceled policy.

LIC provides avenues to reinstate discontinued policies. Steps to Reviving Your Lapsed LIC Policy

If your LIC policy has lapsed due to missed premium payments,


all policy benefits and terms become inactive.

Here’s a guide to reviving your lapsed LIC policy:

* Contact LIC: Connect with LIC via their customer care number, email, or your local LIC branch.


* Submission of Revival Form: Complete and submit the revival form to reinstate your policy.

* Payment of Late Fees and Premium:

Clear the late fee along with the overdue premium to reactivate your policy and regain access to associated benefits.

Accessing LIC Policy Services via WhatsApp


LIC now offers policyholders the convenience of accessing services through WhatsApp. Here’s how to start:

* Send ‘Hi’ to 8976862090 via the WhatsApp application.

* Upon receiving 11 service options, respond with the corresponding option number to select a specific service. For example, send ‘1’ if you want to know about your next premium’s due date and amount.