Revive Your Lapsed LIC Policy: Complete 2026 Step-by-Step Process

By Hari Kotian, IRDAI-Certified Insurance Advisor · 2026

Online: LIC customer portal, Policy Services, Revival Request, then pay outstanding premiums plus interest. Branch: submit the revival form and documents in person - useful when medical requirements complicate the case.

Checklist

Check policy status on the LIC portal; calculate outstanding premium plus interest; gather documents; submit online or at branch; pay the revival amount; keep the confirmation letter safe.

Why revival beats surrender

Reviving a lapsed LIC policy restores your original premium rates, keeps your accumulated bonus intact, and protects tax benefits under Section 80C. Surrendering or buying fresh means higher premiums at your current age and a new waiting period on riders.

Documents you will need

Policy bond, Aadhaar or PAN, address proof, bank account details for ECS mandate, and medical reports if revival requires underwriting. Keeping these ready pre-empts the most common stall points.

An IRDAI-certified advisor can calculate your dues, collect documents, and follow up with LIC end-to-end. See the LIC policy revival service at Insurance Support for free guidance.