Complaints About LIC: What’s Wrong and How to Fix It

Life Insurance Corporation of India (LIC) is one of the most trusted insurance providers in the country. However, many customers have raised concerns about not receiving receipts for their premium payments, leading to confusion, delays, and financial discrepancies. In this article, we will highlight the top complaints regarding LIC receipts, explore possible solutions from the customer’s perspective, and provide necessary contact details for resolving these issues. If you have faced similar problems, feel free to share your experience in the comments below.

1. Premium Payment Receipt Not Received via Email or SMS

Complaint:

Many policyholders complain that they have made their premium payments, but they did not receive any confirmation receipt via email or SMS.

Solution:

• Check Your Spam Folder: Sometimes, email receipts are redirected to the spam/junk folder.
• Verify Registered Details: Ensure your email ID and mobile number are correctly updated with LIC.
• Request a Duplicate Receipt: Log in to the LIC customer portal and download the receipt.
• Contact Support: Call LIC customer care at 022-68276827 or email customerzone@licindia.com.

2. Receipt Not Generated After Online Payment

Complaint:

Some customers report that after making an online premium payment, no receipt is generated or available for download.

Solution:

• Check Payment Status: Visit the LIC e-services page to confirm if the payment was successful.
• Use LIC’s ‘View Transactions’ Feature: This allows you to check your transaction history and download missing receipts.
• Raise a Complaint: Lodge a grievance at bo_eps1@licindia.com.

3. Delayed Receipt Generation in Offline Payments

Complaint:

Customers who pay premiums through LIC agents or branch offices often face delays in receiving receipts.

Solution:

• Collect an Acknowledgment Slip: Always ask for an acknowledgment slip while paying at a branch.
• Follow Up with the LIC Branch: Visit your servicing branch and request a duplicate receipt.
• Contact Customer Service: Call 022-68276827 to escalate the issue.

4. Receipt Not Available in LIC App

Complaint:

Many customers find that receipts are not visible in the LIC mobile app even after successful payment.

Solution:

• Update the App: Ensure you are using the latest version of the LIC mobile app.
• Log Out and Log Back In: Refreshing your session might help display recent transactions.
• Download from the Website: If the app is not working, try retrieving your receipt from the LIC online portal.

5. Issues in Downloading Premium Receipts

Complaint:

Several users face technical glitches while downloading receipts from the LIC website.

Solution:

• Use a Different Browser: Try accessing the portal through Chrome, Firefox, or Edge.
• Clear Browser Cache: Old cache files may prevent the page from loading correctly.
• Try During Non-Peak Hours: The LIC website may be slow due to high traffic.

6. LIC Agent Did Not Provide Receipt

Complaint:

Policyholders who pay through LIC agents sometimes do not receive receipts immediately.

Solution:

• Request an Immediate Acknowledgment: Always ask your agent for a handwritten receipt.
• Check Your Online Portal: If the payment has been processed, the receipt should be available.
• File a Complaint: If your agent refuses to provide a receipt, escalate the matter to LIC via co_crm@licindia.com.

7. Receipt Shows Incorrect Details

Complaint:

Some customers find incorrect policy details or premium amounts on their receipts.

Solution:

• Cross-Check Policy Details: Ensure the correct policy number and amount are reflected.
• Request a Correction: Visit the branch office or email bo_eps1@licindia.com for corrections.

8. Duplicate Receipt Request Not Processed

Complaint:

Customers who request duplicate receipts sometimes do not receive them or experience delays.

Solution:

• Use LIC’s ‘Premium Paid Certificate’ Option: Available in the e-Services portal.
• Visit Your Branch Office: Provide proof of payment and request an immediate printout.

9. LIC Helpline Not Responding to Receipt Issues

Complaint:

Customers have reported difficulty in getting responses from LIC’s helpline regarding receipt-related queries.

Solution:

• Try Alternative Contact Methods: Apart from calling, use email or LIC’s Twitter handle (@LICIndiaForever).
• Visit a Branch Personally: If calls and emails go unanswered, visiting the branch can help.

10. Pensioners Not Receiving Receipt for Pension Payments

Complaint:

Retired individuals under LIC’s pension plans often report missing receipts for pension payments.

Solution:

• Use LIC’s ‘Pension Payment Status’ Feature: Available on the LIC website.
• Contact LIC Pension Helpline: Reach out at 022-68276827 for assistance.

Conclusion: Share Your Experience

If you have faced receipt-related issues with LIC, we encourage you to share your experience in the comments below. Your feedback can help others navigate similar challenges.

For urgent support, you can reach LIC at:

• Customer Care Number: 022-68276827
• Email: customerzone@licindia.com
• Website: LIC India

Have you successfully resolved a receipt issue? Let us know how you did it!