When a policyholder dies, the nominee must file a death claim with LIC. Here is the complete step-by-step process.

Documents required for LIC death claim:

  1. ▸Original policy document
  2. ▸Death certificate (from municipal authority or gram panchayat)
  3. ▸Claimant's statement (Form 3816)
  4. ▸ID proof of nominee (Aadhaar, PAN, passport)
  5. ▸Bank passbook or cancelled cheque (for NEFT payment)
  6. ▸If natural death: Medical attendant's certificate (Form 3784)
  7. ▸If accidental death: FIR, post-mortem report, Form 3783

For early claims (within 3 years): Additional documents may be needed:

  • ▸Hospital records
  • ▸Employer certificate
  • ▸Additional investigation forms

Timeline:

  • ▸Submit all documents at nearest LIC branch
  • ▸LIC is required to settle within 30 days of receiving all documents
  • ▸NEFT credit to nominee's bank account

How to file:

  1. ▸Contact the LIC branch where policy is serviced
  2. ▸Or call LIC helpline 1800-33-4433
  3. ▸Agent can also help coordinate - call Ajay ji at 9415313434

Common mistakes to avoid:

  • ▸Incomplete documents delay the claim
  • ▸Nomination not updated causes legal complications
  • ▸Early claim (within 2 years) requires more documentation - plan accordingly

I personally accompany families during the claim process. Call 9415313434 - I will guide you through every step.