How to file death insurance claim with LIC: Here are the steps

If you are a nominee of a LIC (Life Insurance Corporation) policyholder who has passed away, you should know that the death claim process is completely offline. You should have all the documents required to file a death claim at hand before visiting the branch where the policy was issued. In addition, the death claim form must be signed by the policyholder's insurance agent or development manager before it is submitted for processing with other documents.

Important documents required to submit death insurance claim to LIC

On receipt of the death notice of the Life Insured, the LIC branch requests the following requirements:

  • Duly completed forms 3783 and 3801 (issued by the branch officer)
  • Original death certificate of the policyholder
  • Original policy bond
  • NEFT forms of nominees’ bank accounts
  • Valid ID proof of the deceased policyholder
  • Nominee’s PAN card
  • Signature of the policyholder's insurance agent or the development officer on the death claim form.
  • Copy of valid ID of candidates like Aadhaar Card, Voter ID Card, Driving License, Passport etc.

Once you have all the required documents, visit the branch where the policy was issued and follow the steps below to submit your death insurance claim to LIC.

How to file a death insurance claim?

Step-1: Go to the LIC branch where the policy was first issued.

Step 2: Complete the paperwork for Form 3783, Form 3801 and NEFT to transfer funds to the candidate's bank account. Form 3801 is filed by the branch official.

Step 3: Submit the completed forms and required paperwork listed above. The candidate must sign each paper himself.

Step 4: Add an informational letter that serves as a cover letter and lists the policyholder's date of death, location, and cause of death in the paperwork.

Step 5: Then, turn in the filled NEFT documents, cancelled cheque, and a bank passbook copy containing the account holder's name, account number, and IFSC code.

Step 6: The candidate must submit all original papers at the time of final submission of the forms and accompanying papers.

Step 7: LIC official will check all your papers. After successful verification, the representative will begin the death claim procedure.

Step 8:Finally, an acknowledgment of receipt will be sent by the LIC branch. It should be protected by the candidate for future use.

The settlement amount will be credited to the candidate's account within one working day, if no errors are discovered during the procedure.


Q. How to file a death claim in the LIC?

A. Steps in LIC's Death Claim Process

Reach out to the nearest LIC branch or contact their customer care helpline. Original policy document. Death certificate issued by the local municipal authority. Claim form (available at LIC branches or online).

Q. How much time after death can I claim a LIC policy?

A. As per the time limits set by the Insurance Regulatory and Development Authority (IRDA) of India, insurers should settle death claim within 30 days. This condition applies to all claims where the insurer does not see the need to investigate the cause of death.

Q. How much does the LIC pay after death?

A. Where, “Sum Assured on Death” is defined as higher of 125% of the Basic Sum Assured or 10 times of annualized premium. This death benefit shall not be less than 105% of the total premiums paid as on date of death. The premiums mentioned above exclude tax, extra premium and rider premium, if any.

Q. Can I claim my LIC policy online?

A. Once your LIC policy matures, you receive the final maturity amount from the insurer. To get the final payment, LIC customers have to make claims. You can submit a LIC maturity claim online. LIC customers have the option to electronically submit their documentation via the LIC site instead of physically submitting it.

Also Read: What is Tax loss harvesting? How does it work?

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