LIC Lapsed Policy Revival Guide 2026: Costs, Documents, Timeframes
Waiting past the 5-year window, ignoring medical requirements on longer lapses, and losing the revival confirmation letter are the top three mistakes. The confirmation letter is your proof the policy is back in force.
Online vs branch revival
Online: LIC customer portal, Policy Services, Revival Request, then pay outstanding premiums plus interest. Branch: submit the revival form and documents in person - useful when medical requirements complicate the case.
Documents you will need
Policy bond, Aadhaar or PAN, address proof, bank account details for ECS mandate, and medical reports if revival requires underwriting. Keeping these ready pre-empts the most common stall points.
An IRDAI-certified advisor can calculate your dues, collect documents, and follow up with LIC end-to-end. See the LIC policy revival service at Insurance Support for free guidance.