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.

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

  1. sir/ madam , mera father ke naam pe lic tha ,nominee main meri mother thi.pehle nominee ka death ho gaya uske 6 month baad father ka bhi death ho gaya ,main unka son hu ,is situation me lic ko kaise claimed karunga plz help,

  2. My father had a varistha pension policy (T No 161) with my mother as nominee. He died of illness 2 weeks ago. When I visited the branch for claim processing, the lic claims officer gave some forms and asked the forms to be witness signed by anyone of a given list of people. One of them could be an lic agent. I don’t understand why I need a third person of special status to sign as witness on my claim forms. This is burdensome in most parts of the country riddled with so much corruption. Nobody is willing to sign this form without expecting some monetary benefit.
    Please advise how to overcome this problem of witness signature.
    Btw the claims officer also wanted a Identity/ Burial certificate even when my father’s death falls in non-early category as per your definition.
    Am I being misled by the lic claims officer?

  3. We have Profit plus and Market plus policies issued by Jagatpuri branch Delhi. I live in Vasant Kunj New Delhi-110070.
    I am 76 years old and find it very difficult to go to Jagatpuri branch for submission of maturity claims.
    Pl intimate can I take maturity claims from some nearby branch.

  4. Hi, My Uncle took 2 LIC policies in mid of 2012, he got cancer in 28th March 2013 and finally he died on 8th March 2015 due to the cancer desease. One point is one policy is in-force, another one was lapsed before his death. So, Now can we get claim for the in-force policy. We have all fair proofs that he died with Cancer at it is diagnosis in March 2013. Please i am requesting you, let me know on this, as my Aunty is Nominee and with no income source and no sons, only one daughter.

  5. My Husband died on 29-05-2015 at ILBS Hospital, D-1, Vasant Kunj, New Delhi. He had three different policy in three different branch. How can i claim all three policies. Should i claim in different branch or i can claim in single branch or head office as there is a requirement of certificate of medical attendant’s certificate and Certificate of Hospital. Should i get certificate from Hospital in three different certificate or only one certificate can solve the purpose. Plz reply.

  6. My Father had pension plan with lic Dhanbad Jharkhand. I leave in Chennai and my father died in Chennai, so can I send information and death certificate to the dhanbad branch by post or what is the procedure

  7. sir, my father was died on 17-6-2014 due to liver damage. he had a policy on him.we submit our paper on 20-8-2015 but i have not recieved the claim money
    what shall i do…

  8. Dear sir,

    we are taking policy on 2011 and paid only one year premium after that we would not pay any premium. Recently my cousin got expired on road accident. if there any possibility is there for claim.

  9. My friend Mr. Ramesh Putta had expired on 26th march 2015 and his policy bonds were submitted with all documents required in their respective lic offices. how can i know the exact status of the policies and how much time it may take for settlement. policies are 386338588, 696679194, and 694297165.
    pls help me how to know the status.

  10. Greetings sir,
    Sir my grand father died on 1st may 2015 ..hereafter I applied for death settlement on 20th may .. this was putten into early death claim by the lic officials .. After 40 days they asked for for bht which I provided them … they talk very rudely on asking how much time is required further more … what should and generally what is the min time required for settlement process..

  11. Dear Team,
    MY Brother, Late Mr. Ankush died due to cancer, he had jewan saral policy cover, we submitted all requiered doccuments and reports, also solved query raised by your officials, but still we not received settlement to nominee (my Mother)
    As the LIC have maximum claim setllement history so requesting to prove this again in our case.
    Thanking You.
    Bhawgat Nimbalkar, Pune (Mob 9545399399)

  12. sir,
    After 2 month of marriage my wife committed suicide at their own parents home ,
    we file FIR against them but we do not know her policy no. and they are file claim for it. because we didn’t change nominee too due to short time of marriage now how can we stop them to not claim it .to whom we inform for this.
    we have only her name her address.
    please tell me how can we stop them .

  13. My father died in a road accident with a bus. the bus driver was caught but my father declined to press charges against him as he pleaded that he was a poor man and it was a mistake. my father passed away after two days. since he did not wanted to press charges against the driver so we did not file a FIR. However, the details of his accident and his last rites were published by two newspaper as around 400- 500 people had come for last rites.i want to know that whether hospital reports, hospital death certificate, Nagar nigam death certificate, newspaper articles stating the accident, treatment and final rites would be sufficient for accidental claim.

  14. my father is having 3 policies one is jeevan suraksha that is pension scheme policy
    other two are normal policies please tell full &sufficient details about this to my mail no.800187504,690734025,800159299 please tell me how much amount it will come

  15. My brother in law expired on 30.4.2015 in a road accident. His policy no. is 675981343. Claim form was given in the Jaggaiahpet, Lic Office, Krishna district, Andhra Pradesh, India. Please indicate the status of the claim and when can we expect the claim settlement.

  16. hai sir my father was expired on 22.02.2015 i was applied death claim (early claim) in the month of may 2015 polacy number was 806500337 jeevan anand holder name namani srimannarayana
    so far i didn’t get any details when i ask in branch (bhimavaram) they are not give proper response
    please give the details for the above

  17. My Brother in law was expired on 30-5-2015.
    His policy no is 601923644. Please indicate the status of the claim and when can we expect the claim settlement.

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