LIC Lapsed Policy Revival Guide 2026: Costs, Documents, Timeframes
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.
The 5-year revival window
LIC permits revival within 5 consecutive years from the first unpaid premium (FUPR). Beyond that, revival is impossible and only surrender remains. Policies lapsed 0-6 months usually qualify for simple revival with no medical examination.
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.
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.