Question 1

Who can make a death claim?

Accepted Answer

The nominee named in the policy, or the legal heir if there is no valid nominee. Keeping nominee details up to date is the single most useful thing a policyholder can do. I can help you update yours.

Question 2

I did not buy my policy through you. Can you still help?

Accepted Answer

Yes. I help existing policyholders with claims and servicing even if I was not their original agent. Call me with the policy number.

Question 3

How long does a claim take?

Accepted Answer

It depends on the claim and how complete the documents are. A complete file moves fastest. Claims that need an investigation, for example a death in the first years of a policy, can take longer.

Question 4

What if my claim is rejected?

Accepted Answer

LIC gives the reasons in writing. Tell me and I will help you ask for a review and, if needed, take it to the grievance channels or the Insurance Ombudsman.

Question 5

Do I need the original policy document?

Accepted Answer

Usually yes. If it is lost, tell me early. A duplicate can be requested and the claim can be prepared in the meantime.