Life insurance gives us peace of mind, but how do you know if your policy is still active — especially when you haven’t checked it in months or years? It’s easier to verify the status of your life insurance. Whether it’s through your insurer’s website, a mobile app, or offline methods, you should check it at least once a year. Let’s walk through the simple ways to confirm your policy is valid and active.
1. Check via the Insurer’s Mobile App or Website
Almost every major insurance company in India — LIC, HDFC Life, ICICI Prudential, SBI Life — now offers an app or web portal.
Just log in using your policy number or registered mobile number. Once inside, you can see:
- Policy status (active/lapsed)
- Premium due dates
- Next payment cycle
- Bonus or maturity values (if applicable)
If your policy has lapsed, some apps will even guide you on how to revive it instantly.
2. Search Old Emails and SMS for Premium Alerts
Insurers often send payment reminders, premium receipts, and policy summaries via SMS or email.
Search your inbox with terms like:
- “Policy premium due”
- “Life insurance receipt”
- “Your policy is active”
If you’ve recently missed a premium, this will help you track it fast.
3. Call Customer Care or Visit the Branch
Old-school but effective. Just call the customer care number of your insurance provider and provide your:
- Policy number
- PAN/Aadhaar (for verification)
They’ll confirm your policy’s status, and tell you what to do next if it’s inactive. You can also visit the nearest branch with your ID proof.
4. Use IRDAI’s Centralised Portal
If you’ve lost your documents or don’t remember the insurance company’s name, use IRDAI’s Integrated Insurance Repository System (IIRS).
Once registered, you can view:
- Policies from multiple insurers in one place
- Status (active/lapsed/surrendered)
- Nominee and claim details
What If Your Policy Has Lapsed?
Don’t panic. Most policies offer a revival period of 2 to 5 years (depending on the insurer and product type).
To revive it:
- Pay all pending premiums
- Submit a revival application form
- In some cases, a medical test or declaration of good health may be needed
Some companies even offer revival campaigns with waivers on penalties.
If you pay premiums through auto-debit or ECS, check your bank statement to confirm regular deductions. This is a good signal that your policy is still active.
Checking your life insurance status doesn’t take more than 5 minutes — but skipping it could cost your family lakhs in coverage. Make it a yearly habit.
