Filing a death claim with LIC during a period of grief is difficult. I have guided families through this process many times, and the most important thing I can tell you is: LIC's claim settlement process is straightforward when the documentation is in order. My role is often to sit with the family, prepare the paperwork, and accompany them to the LIC office.
Here is a clear guide to what the nominee must do.
Immediate steps after the policyholder's death
Notify LIC as soon as possible. Early notification allows LIC to start the process and prevents any complications. You can notify your servicing branch, the agent, or LIC's customer service line at 022-68276827.
Documents required for death claim
The nominee will need to submit the following:
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Claim form A (Claimant's Statement): Available at any LIC branch or downloadable from licindia.in. This form captures the claimant's details, relationship to the deceased, and bank account for payment.
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Original policy bond: If the original is missing, submit a notarized indemnity bond.
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Original death certificate: Issued by the municipal authority or gram panchayat. LIC will keep the original and can return it after inspection if you need it.
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Proof of age of the deceased (if not already submitted to LIC): Birth certificate, school certificate, Aadhaar, or passport.
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NEFT mandate form with cancelled cheque or bank passbook copy: The claim amount will be credited directly to the nominee's bank account.
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Identity and address proof of the nominee.
For early death claims (within 3 years of policy)
If the insured person died within 3 years of the policy's commencement, LIC conducts a more detailed investigation. Additional documents may be required:
- ▸Medical records and doctor's statement regarding cause of death
- ▸Hospital records if death occurred in a hospital
- ▸Post-mortem report if applicable
- ▸Police FIR if death was accidental
This investigation is to check that the policy was taken in good faith and that there was no misrepresentation of health at the time of application. Legitimate claims are still settled, but the process takes longer.
For accidental death claims
If the insured person died due to an accident, the nominee must also submit:
- ▸FIR copy from the police
- ▸Post-mortem report
- ▸Driving licence (if death was in a road accident)
- ▸Spot panchnama or police final report
Accidental death may trigger an additional benefit (Accidental Death Benefit rider) if the policy included this rider.
Claim settlement timeline
LIC is required under IRDAI regulations to settle death claims within 30 days of receiving all documents. If the claim requires investigation, the timeline extends to 6 months. Interest is payable on delayed claims at 2% above the bank rate.
What if the claim is rejected
LIC can reject a claim if there was material misrepresentation at the time of application (undisclosed health conditions, for example). If you believe the rejection is unjust, you can approach:
- ▸LIC's Grievance Redressal Officer at the zonal level
- ▸Insurance Ombudsman in your city
- ▸Consumer forum
My role as your agent
When one of my clients passes away, I visit the family personally, collect the required documents, fill the claim forms, and submit them to the LIC branch on the family's behalf. This is part of the ongoing commitment I make when someone buys a policy through me.
If you have lost a family member who had an LIC policy and need help with the claim process, call 9415313434 immediately. I will guide you through every step.
