LIC Policy Revival in 2026: How to Bring a Lapsed Policy Back to Life
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.
Checklist
Check policy status on the LIC portal; calculate outstanding premium plus interest; gather documents; submit online or at branch; pay the revival amount; keep the confirmation letter safe.
What revival actually costs
The revival amount is outstanding premiums plus interest, typically around 9.5% per annum on arrears. No separate penalty applies for most policies - the interest is the cost.
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.