Revive Your Lapsed LIC Policy: Complete 2026 Step-by-Step Process
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.
Pitfalls that stall revivals
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.
Why revival beats surrender
Reviving a lapsed LIC policy restores your original premium rates, keeps your accumulated bonus intact, and protects tax benefits under Section 80C. Surrendering or buying fresh means higher premiums at your current age and a new waiting period on riders.
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.