Life Insurance Corporation of India [LIC] Complaints & Reviews

prabhat ratanchand patel.
policy no.S73266164.
policy no.S 18901731.
I have purchased above numbered policies and paid some premium installments through calico chemicals &plastics div. anik chembur mumbai 400074 to which I was emploed. i had not recieved any correspondence since closure of the said factory or lic of inda. now iam 65 yr, old and want to settle my account with insurance company.Iam not in condition to pay any further which pl, be noted. kindly help me in settling the claim at earliest.
thanks.
prabhat patel.
n/r N.D.C.C.bank colony,
railway stn.
Yeola(Nasik). 423401.

I WANT TO KNOW THE STATUS OF MY MONEY PLUS POLICY.MY POLICY NO IS
ULIP POLICY NO [protected]. PLEASE SEND ME THE DETAILS IMMEDIATELY. THANKING YOU

Prakash Patel.
Annuity no.16837M314.
I have not recieved payment cheques since March 2010. I have written letter month ago but did not recieve any answer.
Please help me in getting payment at earliest.
Thanks.
prakash patel.
jyotiprakash bunglow,
N/R N.D.C.C. Bank colony.
Near railway stn.
Yeola.(Nasik).423401

WITH DUE RESPECT I AM SUBMITTING MY COPMLAINT. REGARDING MY POL. NO.[protected]. ANNUITY AMT. CHEQUE DT.01.04.2010 NOT RECEIVED BY ME SOFAR. I HAD SENT LETTER OF INDEMINITY ON 13.07.2010 .REMINDED BY EMAILS ON VERIOUS DATES 05.02.2010,19.05.2010,13.07.2010,29.07.2010,4.08.2010,15.08.2010,23.09.2010,19.1...⇄ .AND PERSONALY TALKED ON PHONE NO.[protected] CONCERNED LADY ON 18.10.2010. REPLIED THAT MY LETTER IS RECEIVED BY HER ,BUT HAS NO TIME TO PUT UP.
KINDLY HELP IN GETTING MY AMT. OF ANNUITY WITH INTEREST. I AM RETIRED BANK MANAGER.
YOU CAN JUT THING WHEN A RETIRED BANK MANAGER IS NOT GETTING A SINGLE REPLY WHAT ABOUT A COMMEN MAN.
THANK YOU VERY MUCH.

A.C.WANKHEDE

i had applied for housing loan through mr naresh mehta of ggn. he has taken all the related papers and check no 996561 amount 5515rs. dated 15/4/10. my loan could not be sanctioned due to my age. but my cheque was not returned to me and cashed in account of lic housing finance. when i asked mr mehta he said that your cheque will not be returned. this has been cashed by lic. while submitting the papers and cheque i was told by mr mehta that your cheque will be cashed if the loan is granted to you but now he is saying that you will not get the cheque. pl return my above amount as the loan has not been granted to me.
v k jauhri
1640-a housing board colony
sec 10-a gurgaon
haryana

sir,
mera naam Tilokchandji S. Singhavi , aur me gaon me rahane wala hu aur mera business sirf agriculture hai. Maine 1 jan, 2003 ko ek LIC Policy nikali thi,aapke agent (Vinay Kubde, agent code[protected] ke through. Policy nikalte waqt usne kaha tha ki me har saal policy ka premium lene aata rahunga, wah phale 2 policy ka premium lene khud aaya aur baad me usne muze 4 premium ke liye bahot taklif di, use 20 se 30 bar phone karna padta tha tab jakar wah aata tha. par pichle 2 saal se wah aaya bhi nahi aur phone karne ke baad aata hu kahkar rakh deta hai, aur aata nahi.Aur abhi 3 saal suru hai.
Jab muze pata chala ki premiuim na bharne se policy laps ho jati hai, too me khud premium bharne gaya to muze premium bharne se inkar kar diya, aur medical test karne liye kaha gaya (nagpur me). Jisme muze SUGAR ki bimari pata chali. Jab maine policy nikali thi jab mera pura medical test kiya tha (blood, xray, &so on) uas waqt muze koi bhi bimari nahi thi, ab aage kya karna hai puche jane par koi kuch batata bhi nahi .



Name: Tilokchand Suganchand Singhavi
Address: At. Post. Mangrul, Tq. Samudrapur, Dist. Wardha-442305
Company: LIC
Sum Assured: 500000
Premium: 35244
Table & Term: 14-17
Policy No.: [protected]
Date of Commencement: 1-1-2003
proposal No.: 6066


Ab aage kya karna hai kuch samaz me nahi aa raha hai.

I AM AN AGENT OF LIC OF INDIA - HIMMATNAGAR BRANCH. AGENT CODE : 0304.

MY LOGIN ID IS : 03048833. My password to access the LIC portal for which i am entitled to use for giving service to existing customer is given to me in 2004. Since then it was working fine.

Since six months it is showing Invlid USER ID or Password when I am entering the log in ID and Password.

Then I had written to Branch and Division about this but no response.

May I request you to advise the concerned to set this right. As it is in the interest of Society and the Policy Holder who have put up trust on LIC and on me being an agent of LIC.

Your Prompt action on this matter will highly be appriciated.

Sir, During June 2010, LIC of India , Sothern Zone conducted examination for recruiting ADO. But till date, results are not made available in any authrised sites. Whereas, some malpractice is involved, forgery is involved, & with this people approached through back door is aware about result/their appointment is in pipeline.Sir, why, every candidate is not supposed to know the result or what ? Or for result also one needs to pay bribe or what ?

TO, DATE:- 25.10.2010

THE BRANCH MANAGER,
L.I.C. OF INDIA,
BRANCH CODE 124,
KAROL BAGH
NEW DELHI- 110005.

SUBJECT:- REGARDING CANCELLED ISSUED POLICY NO.[protected]WEALTH PLUS)

DEAR SIR,

I WOULD LIKE TO MENTION THAT I HAVE BEEN ISSUED ABOVE POLICY IN AGAINST PAYMENT OF CHEQUE NO. 000001 DT. 16.03.2010 RS. 1, 00,000/-( RS. ONE LAC ONLY),DRAWN ON BANK OF INDIA,ROHINI,DELHI-110085 AND SAME WAS CLEARED ON DT. 20.03.2010 FROM MY ACCOUNT .

AFTER LONG TIME ,WHEN, I CHECKED STATUS OF MY SAID POLICY, I FOUND THAT POLICY HAS DE-ACTIVATED,DUE TO DISHONOURED CHEQUE.THE SAID CHEQUE NEVER BEEN DISHOUNERED BY OUR BANKER..

IT IS SHOCKED TO ME THAT MY CHEQUE WAS NEVER BEEN DISHOUNERED BY OUR BANKER. AND PAYMENT IS WITH YOU OF SAID CHEQUE.

I AM REALLY SURPRISED THAT HOW POLICY WAS DE-ACTIVATED EVEN AFTER CREDIT OF PAYMENT IN LIC. OF INDIA.

YOU HAVE NO RIGHT TO DE-ACTIVE POLICY AFTER CREDIT PAYMENT IN ACCOUNT OF LIC OF INDIA AND PASSING OVER 7 MONTHS OF POLICY ISSUED.

IT IS REQUESTED YOU TO KINDLY ACTIVATE MY SAID POLICY IMMEDIATELY W.E.F FORM DATE OF ISSUE OF POLICY.OTHER WISE I WILL TAKE SERIOUS ACTION AGAINST YOU FOR MENTALLY/FINANCIALLY HARRASHMENT. TO ME.

THANKING YOU,
YOURS TRULY,



(KUNAL GOEL)
S/O MR. SUSHIL GOEL
C-67, AHINSA VIHAR,
SEC-9, ROHINI,
DELHI- 110085.
MOB:[protected]
NOTE:WHEN I APPROACHED THE BRANCH TO SUBMIT ABOVE GRIEVANCE,THEY HAVE REFUSED TO ACCEPT THIS LETTER.

LIC Housing Finance Ltd. sanctioned me Rs. 14.25 Lacs as mortgage loan but LICHFL make my loan disbursement after 6 months from the application for only Rs. 10.40 Lacs after so many follow up. Now I am very puzzled from the worst behaviour of LICHFL. I have repaid this loan amount. due to negligency of LICHFL officials the amount was deposited in excess. Now the LICHFL not returning my complete property papers and post dated cheques.
Does LICHFL will pay me interest @ 12.25% on my excess deposit. Please refund my excess deposit money.

I feel utmost shock to know that a cheque issued by LIC could not be honored due to insufficient funds.

I had presented the cheque in my bank on 22nd Oct 2010.

Details for the cheque are below.

POLICY NUMBER[protected]

CHEQUE NUMBER 846300

DRAWEE BANK CORPORATION BANK - PREET VIHAR NEW DELHI - 110034

CHEQUE AMOUNT Rs 1,61,300=00

CHEQUE DATE 28.08.2010

CHEQUE RETURNED BACK DATE 26.10.2010

If LIC of India dosen't have funds why do they issue cheques?

Kindly let me know what should i do with this cheque.

Regards,
Sanjeev Sahani
[protected]
A 432, Defence Colony,
2nd Floor,
New Delhi - 110 024

Hello Sir/Madam

I'm Ravikumara K, Proposed life protection policy with LIC insurnce and paid amount during proposal, when i recieved my bond it is noticed that premium amount i paid initialy is much more than policy premium amount, when enquired with officer they told, they will returm me the amount additionally i paid, and also amount which i paid for the medical check-up .
unfortunetly till today i didn't recive any intimation or cheque even after 6 months of policy commence, hence i request to return me the amount immediatly

Policy details:

Policy No:[protected]
Plan: 190
Policy Term: 30
Branch code:72D


with regards
Ravikumara K

email:[protected]@yahoo.co.in

I have LIC Policy No:[protected] since Feb, 2008 which is enrolled into your system but unfortunately still I am not able to pay LIC premium online. I have called customer care several times (50-100 times) at 1251/[protected] and most of times no one pick the call in office hours and if anyone pick the call he does not reply properly and they divert my call to IVR that also get disconnect after few minutes. Then I discuss with my LIC agent regarding this issue. He suggested me to send enrollment form at branch which already sent couple of months back but it also could not helped out.

I have worst experiences with LIC and its services. Is this kind of service and support should provide to customer by any agency.

Request you to intervene in this matter so that I can get solution for my problem.

ALL DUES AGAINST LICHFL LOAN A/C NO.[protected] WERE CLEARED ON 31/03/2009 & ZERO BALANCE STATEMENT IS ALSO RECEIVED. For obtaining original documents realted to my property, LICHFL Noida office had only advised to contact their office at Aasif Ali Road, New Delhi. I was recently given office Ph. No.[protected]Aasif Ali Road, New Delhi) but no body responding from this no. I HAD ALSO MAILED COMPLAINT THROGH LICHFL WEBSITE (CUSTOMER COMPLAINTS / FEEDBACK). STILL NO RESPONSE IS RECEIVED. PLEASE ADVISE ME FURTHER COURSE OF ACTION SHOULD I TAKE.

R.K.MEENA,
GAIL, NOIDA.

Ref : Policy No : H[protected], Name : B.Bhaskara Annapurna
My mother was suffering with Right breast carcinoma with 3rd stage, she get treatment at " Adar Hospital" Chennai, She stayed in hospital for 1 month. I spent the money nearly Rs.1,50,000/-. I claimed this amount in the lic policy. but upto now she did not receive any amount from the Lic. we are very poor. please kindly sanction the amount .
whenever we enquire in office it is in still process. I am asking from last 1 year. I asked somany times in Lic office, Rajahmundry branch.East godavari District, Andhra Pradesh.
Kindly sanction the amount for the bills submitted to your office. ( already submitted ).
Please do needfulll

Yours sincerely
B.V.Ravi Kumar
S/o.Rama Krishna
Chirathapudi Village
Ambajipeta Mandal
East Godavari district.
Andhra Pradest - 533229
mob. [protected],

From: ninad hedukar <[protected]@yahoo.com>
Subject: Fraud Case: Policy nos.[protected]/06/07/08/09- Complaint no.278897
To: "crm" <crm.[protected]@licindia.com>, [protected]@licindia.com
Cc: [protected]@licindia.com, [protected]@licindia.com, sdm.[protected]@licindia.com, sdm.[protected]@licindia.com, [protected]@licindia.com
Date: Monday, October 25, 2010, 3:31 PM


To Whom so ever it is concerned

Initially for Policy revival LIC quoted me Rs.7800/- (Approx) in month of september 2010. Accordingly I did the payment as per quotation.

The Payment was also accepted and was entered into system. Later next month I am told that your policies are still in Lapsed state as still amount of Rs.11702/- is due. Still some policies are due for 3 premiums and few for 4 pemiums. Unless I pay this amount my enrolled policies cannot be made active.

This is cheating and a complete fraud case. I appeal to immidetaley refund my amount of Rs.7800(Approx) which was paid as per quotation for policy revival.

Ninad
[protected]


--- On Mon, 10/25/10, crm <crm.[protected]@licindia.com> wrote:


From: crm <crm.[protected]@licindia.com>
Subject: Fw: Fw: Policy nos.[protected]/06/07/08/09- Complaint no.278897
To: [protected]@licindia.com
Cc: "ninad hedukar" <[protected]@yahoo.com>
Date: Monday, October 25, 2010, 10:42 AM


Dear Sir/Madam,

Please look into the matter and inform the policyholder suitably under intimation to us. Please treat this as MOST URGENT.

MANAGER (CRM)





----- Original Message -----
From: ninad hedukar
To: crm.pune1
Cc: sdm.pune1 ; co_io
Sent: Monday, October 25, 2010 9:57 AM
Subject: Re: Fw: Policy nos.[protected]/06/07/08/09- Complaint no.278897


Hi

Completely Confused....

Your status report says, all policies are still in lapsed state....

I took quotations from LIC pune office in september 2010 and same month did payment according to the quotations. Still your report says policiies are still in lapsed state. And still it needs 3 or 4 premiums to be paid..

Either that day LIC officer did gave me quotation which were completly untrue or this report is not justifying. I did what LIC officer told me to do. Still it is Lapsed with 4 premiums due....Why LIC officers dont take customers seriously. How cum he did gave me just any amount quotation.

WHY I WAS MISS GUIDED ????? And now i dont know who is right and who is giving wrong information??
Is the revival done properly ??
Is calculation done properly??
Need some one who can guide and and explain me what is done and by how many months policy is taken ahead and is all amt what i paid in september accepted by system??
Does it mean that day on September 2010, LIC officer gave me false quotation??


Ninad
[protected]

--- On Sat, 10/23/10, crm <crm.[protected]@licindia.com> wrote:


From: crm <crm.[protected]@licindia.com>
Subject: Fw: Policy nos.[protected]/06/07/08/09- Complaint no.278897
To: [protected]@yahoo.com
Date: Saturday, October 23, 2010, 11:59 AM


Dear Sir,

This is further to our earlier mail in connection with above complaint. We would like to inform you that the process of special revival is completed at our 95Y branch and the deposit paid by you for revival of above policies is also adjusted. We are attaching herewith present status reports of your above policies.

We would like to inform you that after completing process of special revival and also adjusting the deposit paid by you, the first unpaid premium under your policy nos.[protected] and[protected] is 12/2009 and the same is 03/2010 under policy nos.[protected],[protected],[protected]. Therefore all these policies are in lapsed condition and it is necessary to pay upto date premiums along with health declaration form ( attached) so that policies will be in full force.

Please pay the amount shown in the status reports in 95Y branch at the earliest. Please feel free to contact us in case of any further queries/problems.

Assuring you of our best services,

MANAGER (CRM)











----- Original Message -----
From: crm
To: [protected]@yahoo.com
Sent: Friday, October 22, 2010 4:27 PM
Subject: Policy nos.[protected]/06/07/08/09- Complaint no.278897


Dear Sir,

This is in connection with above referred complaint. We have taken up the matter with our 95Y branch regarding revival of your policies. We will communicate you after hearing from them. Please bear with us,

Thanking you,

MANAGER (CRM)
"The information contained in this electronic message and any attachments to this
message are intended for exclusive use of the addressee(s) and may contain
confidential or privileged information. If you are not the intended recipient, please
notify the sender at LIC OF INDIA or [protected]@licindia.com immediately and
destroy all copies of this message and any attachments. The views expressed in
this E-mail message / Attachments, are those of the individual sender."


"The information contained in this electronic message and any attachments to this
message are intended for exclusive use of the addressee(s) and may contain
confidential or privileged information. If you are not the intended recipient, please
notify the sender at LIC OF INDIA or [protected]@licindia.com immediately and
destroy all copies of this message and any attachments. The views expressed in
this E-mail message / Attachments, are those of the individual sender."

Dear Sir,

This is for your information and action that I had paid Rs. 8600 for LIC term plan (Amulya Jeevan) on 02-Feb-2010 and the same had been debited from my acocunt on dated - 10-Feb-2010. I have gone through all the suggested medical tests and submited requested document still I didn't got neither policy nor refund.

I have went LIC south-ex branch couple of times, but still waiting for the reply...

Please find below the details of the same:

Product Number : 190
Product Name : Amulya Jeevan
Agent Name: Mr. Ranjan Nanda
Date for Request for policy - 02-Feb-2010
Date of Amount debited from Bank: 10-Feb-2010
Cheque Number : 121768
Bank Name: ICICI Bank
Amount : Rs. 8600.00

I have taken Amulya Jeevan (Table 190) policy from LIC Mumbai ( Service Br 904) with the following details:

Policy No.[protected]
Name : Awadhesh Kumar Srivastava
Commencement Date: 28/06/2008

I have not received this policy till date, in spite of regular follow up with the concerned agent and the LIC office in Mumbai. Request you to arrange for delivery of the policy.

I have been paying regular premium since puchase.

Re: Loan A/C No. 26604137

This is further to our telecon on the captioned subject at around 12.45 pm on 19th Oct 2010. I would like to bring to your kind notice that I had to assign my policies for taking loan. At the time of assigning the policies I enquired about the beneficiary of survival benefit payments which were due on my two policies in Oct 2010. I was assured by your agent (Mr. Dixit who is working on behalf of his wife at Gomtinagar branch, Lucknow) that the SB cheque will be issued in favor of LICHFL and LICHFL will give me the option to either repay the principal amount of loan or use the money at my will.

However, I was not given any option and the same was forcibly used for repaying the principal amount to which I was not even informed. I raised objections with the Branch Manager who confirmed that I had no such option. I told the Branch Manager about the discussion on this matter with the agent at the time of taking loan. He arrogantly replied that I don’t care about what happened between you and agent and it is none of his business. He is also not accepting the mistake of the agent due to which my future financial planning will suffer.

I enquired the Branch Manager about the process to release assigned policies to which he asked me to repay Rs. 50000 which was given to me against those policies. I would like to ask that if I am paying EMIs on the aforesaid amount then from where the need to repay Rs 50000 arises? Also if I repay the same then will my EMIs be reduced? What I feel is that these policies are meant to provide collateral securities in case of default so why the benefit arising from these policies were transferred to LICHFL even if there was no default on my part.

Moreover, if I were told these things at the time of taking loan then I could have taken lower amount than to assign my policies to LICHFL.

I would request you to please arrange to provide the survival benefit payments to me and take stringent action against the concerned official(s).

Best regards,

Akshay Kumar
Mob No. [protected]










However i am not satisfied with the reply given by Mr Rajput. I would like to reiterate that i was not given any information regarding benefit proceeds from assigned policies by Mr Rajput at the time of taking the loan. I came to know about this only after the problem regarding the beneficiary of SB payments surfaced, followed by subsequent enquiry from Mr Rajput over telephone.

Also in his reply nothing has been said about the agent who misguided me at the time of taking the loan.

I would like to further state that i required higher loan to which i agreed to assign my policies provided the future benefits arising from the policies will be given to me. I would never have assigned the policies if such things were communicated to me at the time of taking the loan. I was under impression that the benefits will be transferred to LICHFL only in case of default on my part which was the crux of the information given by your agent. My other points also remain unanswered regarding the reduction in EMIs.

________________________________________

Hello Sir/Mam,

I had applied for loan on 19th of June 2010.And by luck I am still in process of getting my check(deposit will be done by LICHF in Authority).
My File No : 612410.
Every time they ask either for some new document or give some new excuse.Whenever I ask for status they say it will be done very soon.Any how I got my sanction after a long wait and have submitted all documents with last date as 27th Oct 2010 to submit check in YEA. Because for my case I need to take one date from authority to proceed for loan.Can any one please help me to get it done on time.
Because one date will exceed I will not be of any side.

Kind Regards
Akhilendra Pratap Singh
Mobile : [protected]