Death Claim settlement in LIC OF INDIA : Death Claim settlement procedure in LIC

Death Claim settlement in Life Insurance is the most important aspect of the life insurance policy. There is always lot of confusion about “How death claims are settled in LIC OF INDIA? “.

There are two types of death claims, early & non early. If the death of insured person takes place within 3 yrs of starting the LIC POLICY, it will be called early death claim otherwise non early death claim and non early death claims are settled within 30 days from the date of receipt of all requirements.

There can be a scope of cheating/ fraud in early death claims so LIC deals strictly with these and there is little extra procedure needed to be follow in early death claim.

The common requirements in both type of death claims ( early or non early) are as follows:

  1. A letter of death intimation containing date, place, No of LIC policy & reason of death from the nominee to the branch manager of the concerned branch.
  2. Claimant’s Proof of relationship with the deceased.
  3. Policy bond or document.
  4. Discharge form or form no 3801 duly executed by the nominee.
  5. Death Certificate.
  6. Claim form No. 3783 A.
  7. NEFT form ( National Electronic Fund Transfer form) for transferring the claim amount in the account of nominee after settlement of the death claim.

If there is early death claim then besides above mentioned requirements, there are some more requirements, they are as:

  1. If the deceased was an Employee, Employer’s certificate on Form No. 3787( Revised )
  2. Treatment certificate issued by the Hospital/ Attending physician’s certificate on claim from B1 ( Form No. 3816) & B ( Form No. 3784 revised).
  3. Identity/ Burial certificate by a person who attended the funeral, except the relative of the deceased on Claim Form “C”. (Form No. 3785 revised).

 Note: For Double accident Benefit, further certain procedures are need to be followed.

  1. The claim must be lodged with LIC OF INDIA within 120days from the date of death.
  2. Attested copy of F.I.R., Post Mortem report duly attested by the competent court or civil police is required.
  3. Spot panchnama & eye witness statement.Claim will be admitted after acceptance and verification of the above mentioned documents by LIC & clearance by the concerned SDM.

Important Points:-

In case of policyholder’s unnatural death caused by accident, suicide etc. the LIC may require some additional details besides above mentioned documents depending on the nature of the case.

  • In case the death claim arises within 2 yrs of taking the policy, LIC will admit claims only after the necessary investigation conducted by the LIC Authority. Due to the procedure, the settlement of claim may take little extra time.
  • In the absence of nominations under the policy, the list of all the successors should be submitted on Form no. 3806 and on submission of Declaration Form a claim up to Rs 250000 can be settled without succession certificate.

For any kind of further information, you can write your comments and we shall reply them shortly.

111 thoughts on “Death Claim settlement in LIC OF INDIA : Death Claim settlement procedure in LIC

    • it is not possible to settle death claim without policy bond. if policy bond is lost then u have to furnish indemnity f 3815 with rs 100 stamp + notary+ kyc.

  1. hello sir

    My uncle had a policy at nagapattinam dt but they settled in chennai the address mentioned in policy is also chennai address only so where should we apply for claim. Any branch???

  2. Sir,
    Hello sir my relative Mr.Sethi Murugesan, Was dead at 24.1.2013 and he put a life insurence police but we didn’t know that he put the plan in which branch and his policy no : 741896405 so please tell me how to get the policy amount. its a kind request.

  3. Sir/Madam
    I bought a LIC endowment policy(Table No14) on 1998. That time my Date of Birth(DOB) was entered wrongly 22/02/1980 instead of 22/02/1981 in policy Deed. Is there any problem arise at the time of claim or maturity? What i hav to do now? Please suggest.

    • I don’t think there should be any problem with it because you are paying a higher premium than what was required at your age so LIC will not have any problem for that.

      But for you also, since you know the DOB is incorrect, so I advise you to correct it as you are paying more and there is no use of paying higher premium to LIC for the same benefits.

  4. On 1998 i bought a LIC policy(Tablen No 14) but unfortunately my DOB entered wrongly 22/02/1980 instead of 22/02/1981.Is there any problem arise if any death claim arise or at the time of maturity. Now what i have to do?

  5. Dear sir,

    Facts: My father was passed on in may 2011, they takes 4 policy,out of that 2 policy had fully paid, rest 2 policy ware taken 3 month before death i.e. in feb 2011(Early death claimed), know the claimed was settled in Jan 2013.
    All the procedure and necessary document required for the further investigation ware submitted within the time period.

    Please Resolved the following queries:
    can i claimed the interest for substantial delay of settlement period ?and What rate ?
    Shall i claimed the legal hears liability,which will paid by selling the ancestral property of my grandfather,due to delay in settlement?

  6. sir my father had a lic policy which started in 2008 but in 2010 he was not feeling well so we took him to the doctor and came to know that he was suffering from liver disease and in between 2010-2012 it got lapsed but after that in may 2012 my father paid the premium with the fine and in sep 2012 my father died . In these conditions i want to know can we get the claim?

    • I can not comment on it but I will suggest you to follow the claim procedure HONESTLY and let LIC decide it as LIC will do the best. Best Of Luck.

  7. Hi Sir,

    How to get the death claim in case if original policy document got lost.

    Do I need to follow the procedure to initiate a process for duplicate documents.

    Thanks in advance

  8. Dear Sir,
    My Brother was died on 24/11/2012 with CANCER disease. In how many days the death certificate should submit in the branch. It is not yet submitted by the agent. I don’t know the reason why he is making delay. Does it leads for any problems? please let me know sir.
    With out agent involvement can we go ahead for claim. the documents such as death certificate, medical certificates, employer certificate, NEFT form, letter from nominate all documents are ready. But agent said that till 20th-april-2013 the process will not proceeds. Is that true sir, any specific reason? please tell me sir, if it get delay will be there any problem.

    thank you sir.

    • As soon as possible but in case there is any delay then it can be done by 7years. yes you your self can submit the Death Certificate in the branch.

  9. Sir/M

    Please Ans the following queries Plz.

    1) What is Minimum & Maximum Duration of (Suicide) Early death claims.

    • No, anybody can not be the nominee in lic policy. There should be a proper reason, one has to give if nominee is not close relative and the case can be moved to higher offices if LIC underwriter does not found the reason to be satisfactory.

  10. My brother R.Naresh Lic policy no.613221493, he expired on 05.10.2012. agent collected all documents submited to lic office. Till date we have not receied any reply. please help me.

    • It is recommended, that you yourself visit the branch and check the status. Death claim is serious matter and the status of the same can be known after visiting the branch only.

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