Revive Your Lapsed LIC Policy: Complete 2026 Step-by-Step Process
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.
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.
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.