LIC Introduces WhatsApp-Based Premium Payment Facility for Policyholders

The Life Insurance Corporation of India (LIC) has taken a significant step toward digital convenience by launching a new service that allows policyholders to pay their policy premiums directly through WhatsApp. Unveiled on May 9, 2025, this service is aimed at making the premium payment process more accessible and user-friendly for millions of LIC customers.

A Seamless Payment Journey Through WhatsApp

LIC has officially introduced a WhatsApp bot-based service accessible through the number 8976862090. This bot enables registered customers to check which of their policies are due for premium payment and proceed to make the payment using UPI, net banking, or cards — all within the WhatsApp chat itself. The entire customer journey, from policy identification to payment and receipt generation, takes place in a single interface, offering a smooth and hassle-free experience.

LIC’s Managing Director and CEO, Siddhartha Mohanty, stated that this digital service will significantly enhance convenience for customers, allowing them to manage their policies anytime and from anywhere. He emphasized that the widespread popularity of WhatsApp will make it a practical tool for ensuring efficiency, improving productivity, and delivering a better overall experience.

As of now, LIC’s customer portal boasts over 2.2 crore registered users, with more than 3 lakh logins daily for availing various services online.

How to Use LIC’s WhatsApp Bot for Premium Payment

To use this new facility:

1. Send “HI” to the WhatsApp number 8976862090.

2. You’ll receive a menu of options related to LIC services.

3. Select the appropriate option number to proceed with viewing your due policies and making payments.

Note: This service is currently available only to users who have registered their policies on the LIC customer portal.

How to Register on the LIC Customer Portal

Before using the WhatsApp service, policyholders must be registered on the LIC portal. Here’s how to do it:

Documents Required for Registration:

Policy numbers (on your life or minor children’s lives)

Instalment premiums (excluding service tax/GST)

Scanned image of PAN card or Passport (less than 100 KB, preferably in .jpg or .jpeg format; .bmp, .png, .gif, and .tiff also accepted)

Step-by-Step Portal Registration Process:

1. Visit www.licindia.in.

2. Click on “Customer Portal”.

3. Select “New User” if you haven’t registered before.

4. Create a user ID and password.

5. Log in and click on “Basic Services” > “Add Policy” to enroll all eligible policies.

6. After adding policies, you will have access to basic services online.

Registering for Premier Services in 3 Easy Steps

Once registered for the basic services, follow these steps to unlock LIC’s Premier Services:

Step 1: Registration Form

Login to the portal with your credentials.

The registration form will auto-fill details like name, DOB, mobile number, and email.

Enter PAN or Passport details.

Policies on your name or minor children’s lives will be auto-listed.

Spouses must register separately for their own policies.

Step 2: Print and Scan

Save and print the filled registration form.

Sign the form and scan it along with a scanned copy of your PAN or Passport.

Ensure file size is within 100 KB and in an accepted format (.bmp, .png, .jpg, .jpeg, .gif, .tiff).

Step 3: Upload and Submit

Upload both the signed form and KYC document through the portal.

Submit the request.

You will receive an SMS and email acknowledgement. The documents are then sent for verification to the LIC Customer Zone, and confirmation is typically provided within three working days.

Once verified, customers will gain access to LIC’s full suite of Premier Services, including the ability to use the newly introduced WhatsApp-based premium payment feature