LIC Policy Lapse Kya Hota Hai?

Bahut log premium miss kar dete hain, phir tension hoti hai ki LIC policy lapsed ho gayi, ab kya karein. LIC policy lapsed revival process 2026 ka basic funda yeh hai ki agar aapne grace period ke baad premium nahi diya, toh policy temporarily band ho jati hai, lekin aap certain conditions ke andar usko wapas revive kar sakte hain.

Life insurance ka main purpose family ko financial security dena hai, isliye policy lapse rehne dena long term mein risky ho sakta hai. Aaj kal jab log mutual funds, SIP aur stock market mein bhi invest kar rahe hain, ek balanced approach yahi hai ki LIC jaise protection plans ke saath-saath Angel One Demat Account se SIP investing bhi continue rakhein, taaki protection bhi mile aur growth bhi.

LIC Policy Lapsed Revival Process 2026 – Step by Step

2026 mein LIC policy lapsed revival process broadly kuch aise kaam karta hai:

1. Policy status check karein
   • Sabse pehle nearest LIC branch, LIC agent ya LIC customer portal par jaa kar check karein ki policy lapse hai ya “paid-up” hai.
   • Agar aap LIC office nahi ja sakte hai to aap LIC WhatApp Number 8800290020 ko apne phone me save kar lijiye aur jab number save ho jaye uske baad apko WhatsApp me jakar is number pr message karna hai. LIC Policy Status fir aage Policy number likhe. Is tarah aapko ghar baithe LIC policy ka status pta chal jayega.
   • Yahan se aapko pata chalega ki kitne saal se premium due hai, kitna interest lag raha hai, aur revival possible hai ya nahi.
   • Dhyan rahe number save karna bahut jaruri hai tabhi aapko status mil payega.
2. Revival quotation mangwaiye
   • LIC aapko ek revival quotation deta hai jisme total outstanding premium, interest aur agar koi medical requirement hai toh wo mention hota hai.
   • Ye quotation limited time ke liye valid hota hai, isliye delay na karein.
   • Revival quotation online prapt karne ke liye LIC WhatsApp number 8800290020 ko save kare.
   • WhatsApp par message kare “LIC Revival Quotation <Policy Number>”. Example “LIC Revival Quotation 123456789”.
3. Outstanding premium + interest ka payment
   • Ordinary revival mein aapko saare pending premiums ek saath interest ke saath pay karne hote hain.
   • Kuch cases mein late fee, penalties ya extra charges bhi lag sakte hain, jo sum assured aur lapse duration par depend karta hai.
4. Health declaration aur medical tests
   • Agar policy ka sum assured zyada hai ya policy kaafi time se lapsed hai, toh LIC health declaration form aur medical tests maang sakta hai.
   • Good health declaration online bhi possible hai jab aap LIC customer portal se revival karte hain.​
5. Revival application submit karein
   • Revival form ke saath ID proof, address proof, medical reports (agar required ho), aur payment ka proof attach karke branch mein submit karna hota hai ya online process complete karna hota hai.​
   • LIC documents verify karne ke baad policy ko revive kar deti hai, aur aapko revived policy ka confirmation mil jata hai.
6. Policy revival ke baad benefits
   • Jaise hi LIC policy lapsed revival process 2026 complete hota hai, death benefit, bonuses aur baaki policy benefits wapas activate ho jate hain (policy terms ke hisaab se).

LIC Revival Schemes 2026 – Ordinary, Special & Campaigns

LIC policy lapsed revival process 2026 mein alag–alag type ke revival options milte hain, jisse log apni situation ke hisaab se choose kar sakte hain.​

1. Ordinary Revival
   • Isme aapko first unpaid premium se lekar current date tak ke saare premiums + interest ek saath pay karne hote hain.
   • Health declaration aur medical test ki requirement sum assured, age aur lapse duration par depend karti hai.
2. Special Revival
   • Special revival scheme mein policy ki commencement date aage shift kar di jati hai, jisse arrears kam ho jate hain.
   • Ye option usually limited hota hai (jaise ek baar policy term mein, aur lapse ke kuch saal ke andar hi allowed hota hai).
3. Campaign-based Revival (Limited Period Offers)
   • LIC kabhi–kabhi special revival campaigns chalata hai jahan late fee ya penalties par concession mil jata hai.
   • Agar aapki policy lapsed hai, toh LIC website, press release ya agent se check karein ki 2026 mein koi special revival drive chal rahi hai ya nahi.
4. Online Revival Options
   • Kuch categories ki lapsed policies ab LIC customer portal par good health declaration ke basis par online revive ho sakti hain.​
   • Iske liye aapko portal par registration, Aadhaar-based e-sign aur required forms online submit karne hote hain.​​

2026 Mein Smart Financial Planning: LIC Revival + SIP & Stocks

Sirf LIC policy lapsed revival process 2026 samajhna hi kaafi nahi hai, aaj ke time mein protection ke saath–saath growth bhi zaroori hai. LIC se life cover milta hai, lekin long-term wealth create karne ke liye mutual fund SIP aur stock market investing bhi important role play karte hain.

Aap LIC policy revive karke apni family ka risk cover wapas active rakh sakte hain, aur saath hi Angel One Demat Account ke through SIP start karke disciplined investing shuru kar sakte hain. Angel One app mein mutual funds, stocks aur ETFs mein SIP lagana kaafi simple hai, aur aap apne bank se auto-debit set karke har mahine fixed amount invest kar sakte hain.

Example:

• Aapne apni LIC policy revive kar li, jo 20–25 lakh ka life cover de rahi hai.
• Ab aap Angel One Demat Account se har mahine 2000–5000 rupaye ka SIP kisi large cap / index mutual fund mein start kar sakte hain, taaki retirement, bachchon ki education ya dream home down payment ke liye corpus ban sake.

Angel One Demat Account kholne ke liye aap online hi process complete kar sakte hain, PAN, Aadhaar aur bank details ke saath, aur phir usi Demat se SIP, stocks, aur long-term investments manage kar sakte hain:

You may be Interested to Read: LIC Special Revival Campaign 2026: Revive Lapsed Policies with 30% Late Fee Waiver (Jan-Mar)

Important Tips: LIC Policy Lapsed Revival Process 2026 Mein Kya Dhyan Rakhein

LIC policy lapsed revival process 2026 follow karte waqt kuch practical points yaad rakhna bahut zaroori hai.​

• Jaldi action lein: Policy lapse hone ke baad jitna zyada delay hoga, utna interest, penalties aur medical requirements badhne ke chances hote hain.
• 5 saal ki limit ka dhyan rakhein: Generally LIC policies ko first unpaid premium se 5 saal ke andar–andar revive kiya ja sakta hai, subject to policy terms.
• Medical history clearly batayein: Health declaration mein galat information dena future claim rejection ka reason ban sakta hai.
• Agent aur branch se written details lein: Revival quotation, charges, aur conditions hamesha written form mein lein, taaki later confusion na ho.
• Budget planning karein: Agar ek baar mein saara premium + interest pay karna heavy lag raha hai, toh financial planner se discuss karein, aur parallel mein Angel One Demat Account se manageable SIP amount se start karein, taaki long-term wealth bhi build hoti rahe.

FAQs – LIC Policy Lapsed Revival Process 2026

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