Life Insurance Corporation of India (LIC) is the largest and most trusted insurance company in the country. Many of us take LIC policy for future security, but sometimes forget to pay the premium due to financial constraints, lack of information or busyness.
The result is that the policy ‘lapses’ or ceases to exist. In such a situation, the deposited money remains with LIC as ‘Unclaimed Amount’. If any old policy of yours or any of your family members is lapsed, then the good news is that you can check this stuck money online sitting at home and start the process of getting it back.
What is unclaimed amount?
When the maturity amount, death claim or survival benefit amount of a policy is not claimed for 10 years or more, it is considered ‘unclaimed’. According to the data of March 2026, LIC has thousands of crores of rupees for which no heir has emerged. According to the rules, LIC has to give information on its website about all such policyholders whose money is outstanding with the company.
How to check your money online sitting at home?
- First of all go to the official website of LIC www.licindia.in.
- Click on the option ‘Unclaimed Amounts of Policyholders’ in the ‘Useful Links’ section at the bottom of the homepage.
- Now a new form will open in front of you. Here you have to enter your policy number, policyholder name, date of birth and PAN card number.
- After filling the information, click on ‘Submit’ button. If there is any outstanding amount from your policy, its complete details will be visible on the screen.
Step-by-step process to get money back
- Prepare documents: You will need your old policy bond (if any), Aadhar card, PAN card and photocopy of your bank account passbook or canceled cheque.
- KYC Update: It is mandatory to update your KYC to get the money back. You can complete this by visiting your nearest LIC office or through an agent.
- Fill the claim form: You have to fill the claim form (Form No. 3825/3806) from the LIC office and submit it along with the required documents.
- Transfer to Bank Account: Once verification is complete, your outstanding money will be transferred directly to your registered bank account (via NEFT).
Keep in mind that the interest received on unclaimed amount is very less, so it is better that you claim it in time. Also, do not share your policy information with any unknown person or on calls. LIC never demands OTP or advance fee from you. If the policyholder has died, the legal heir (nominee) can make a claim with the death certificate and succession certificate.