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

By Hari Kotian, IRDAI-Certified Insurance Advisor · 2026

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.

Online vs branch revival

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.