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