Life Insurance Corporation of India [LIC] Complaints & Reviews

Dear Sir, I shift home loan (A/C No.[protected] from LICHFL Durgapur to GICHFL Durgapur. I pay all due amount of LICHFL Durgapur on the month of june 2015. But after it he don't give me agreement paper and I have need of agreement paper to submit on GICHFL Durgapur. After complain it to higher authority he don't take any action but by branch manager of LICHFL Durgapur threat me " uthwa lenge". Then please told me that what can I do against LICHFL Durgapur.

Hi All, I am a first time Insurance buyer from LIC where i was called by one of Bhagwan Singh's agent Mrs. Riya Sharma, from Delhi Model town branch. She told me she was calling me directly from LIC and there was no agent involved. Below are the clear terms which she explained about the policy and these were later validated by Mr. Vikash Malhotra (malhotra.[protected]@gmail.com). Annual 50, 000 premium payable quarterly as exactly 12500 per quarter for 16 years. Every year exactly 5, 000 will be given as cash back into my account for which i have given a cancelled cheque. Maturity Amount in 17th year will be exactly equal to 21, 50, 000 after any applicable Tax. Pension of exactly 2, 15, 000 will be paid to me every year from the 17th year until the Maturity amount is collected by me. Death benefit equivalent to the maturity amount will be prorated in case of death after 3 years and prior to 16 years. I do understand that i should have "read the policy document carefully before investing" but since: 1) I was told the call is directly from LIC of India which is a government undertaking (people pay premiums with trust that LIC will take care of the financial health of dependents after death) 2) The call was from Delhi Head Office directly and there was no way the caller Mrs. Riya Sharma (who sounded like in her 40s) could show me the policy document as i was in Mumbai, also she din't have access to send emails out of LIC. 3) I could always read the Bond once received and return the policy within the cooling off period if i feel i have been prey to false commitment. Upon receipt of the bond i was disappointed to see that none of the above was mentioned on the documents and the actual returns mentioned seemed to be very very less compared to what was promised on call. I immediately called the LIC Model Town Branch to cancel my policy to which - the person claiming to be the Branch Manager Mr. Ajay Gupta gave me the contact of Mr. Vikash Malhotra saying that only he can help me. Upon calling Vikash, he confirmed that each and every word would be made true by LIC Of India but when i asked him to provide the same in written or email format, he failed to do so, immediately i asked him to cancel my policy. He then said he would email me the exact confirmation which he never did instead he sent me an excel calculation from his gmail account explaining revisionary bonus. I replied mentioning everything that was mentioned on the call and requesting him to confirm it or cancel my policy. I called him again and he said he will send the confirmation by email, but no response. After that whenever i called him back but he dodged my calls saying all were very busy with year end closing and couldn't make the time to respond. I called the LIC helpline number as i suspected a syndicate of fraudsters working in the Delhi Model Town Branch within 2 days of receiving the policy but the call went to voice mail several times and i never got a call back even after leaving my name, phone, policy no. and request for cancellation of policy on the voice mail. After which within 8 days of receiving the policy i dropped an email to below key LIC of India grievance email id's which i got for from the LIC website clearly requesting to cancel my policy and return the premium paid by deducting any applicable taxes as i was not satisfied with the terms on the policy document: [protected]@licindia.com, [protected]@licindia.com, [protected]@licindia.com, [protected]@licindia.com, crm.[protected]@licindia.com After a few days and multiple CHASER emails i got a response from CUSTOMER ZONE 2 wrote: KIND ATTENTION BRANCH INCHARGE Please go through the trailing mail and enquire the matter and satisfy the policy holder by providing the correct information. Team Customer Zone Delhi DO-II Which clearly indicates the level of grievance redressal provided by the highest level's of escalation within LIC of India. Upon CHASING and ESCALATING multiple times requesting for a complaint number and progress status of my complaint, i started getting FALSE COMMITMENT calls from various people claiming to be VPs and even MDs ([protected]) in LIC of India. Even after mentioning on email, that "I have already been pray to FALSE COMMITMENTS ON CALL. PLEASE DO NOT CALL ME. You can clearly read from my email below the specific details of what your agent has COMMITTED ON CALL in order to convince me to buy this policy. I do not TRUST your agents due to this past experience." I still kept getting calls, including that from Mr. Bhagwan Singh claiming to fulfill some of the commitments like agent commission of 2000 (as opposed to 5000 originally committed) Sum Assured of 18, 50, 000 (originally 21, 50, 000) Again, no one has been able to provide any of that in Black & White. Three months down i got a call from Model Town Branch stating my premium was due. I protested that my policy needs to be cancelled as i had sent an email within 8 days of receiving the policy for cancelling the same. The caller and even LIC customer care executive told me that failure to pay the premium will result in lapse of the policy and me loosing every single penny i have paid irrespective of the ongoing dispute. It has been over 8 months and i have paid 3 premiums under the fear of loosing my hard earned money. There is not clear response yet from LIC other than email providing the Agent Bhagwan Singh's direct number. I feel like LIC of India has left me and many other Investors at the mercy of cheating agents (some who would not realise it until the time when the actual maturity or death occurs). There has been NO ACTION taken WHATSOEVER by LIC in the matter. And again the next premium is due to be paid next month. I request you to please ensure that i get the premiums paid towards my policy back after deduction of any applicable service tax. Also, that stern action is taken against LIC of India and such agents and branches which are resorting to FALSE COMMITMENT and CHEATING in order to increase LIC's customer base. Strict action has to be taken to discourage the lack of Integrity at Branch or Agent level. Please feel free to contact me for any further details, email evidence or call recordings. Kind Regards, Ritesh +91-[protected] [protected]@gmail.com

Sir, I have a LIC POLICIY BEARING NO:[protected], IN THE NAME OF SURESH KUMAR BADDI, And I have submitted my policy on 18th of September to the branch of Port Brach CB-5 Visakhapatnam but till now I am not getting amount, Mr. Kharimulla he is the branch manager using abuse language with my agent and no one respond till now have u paying interest on these days because u people are collecting if I am not paid premium in time u will charge de interest and please take the necessary action with Mr. Kharimullah he is not fit for Manager, and please do the needful

SUB: Representation for reconsideration of policy number[protected] on the life of Late Bimal Kumar Das, SA = Rs. 50, 000/-, T / T – 14/16 Sir, I, Pallab Das, S/O Late Bimal Kumar Das and the nominee of the above policy, beg most respectfully to state that I have received your letter regarding the repudiation of the claim of my deceased father’s policy number[protected]. I’m, therefore, going to put some points against your decision to repudiate the claim on the policy. First, my father didn’t fill up the form of the policy himself and I think you know that agents do everything including filling up the form. It’s the fault of the agent of your Insurance company. Secondly, We all know that Leprosy is a curable disease and my father had totally recovered from Leprosy .Then why a person who had recovered from Leprosy had to say that he was suffering from Leprosy! Thirdly, I have submitted all prescriptions that you required and I haven’t do anything wrong. If I wanted to hide those facts, I would not submit those prescriptions. I’m, therefore, clear from my side. Under such circumstances, I, therefore, request you to grant the claim. I sincerely hope, this time you will realise those matters and would be kind enough to consider my application and the claim on the policy no[protected]. Thanking you, Yours faithfully, Pallab Das Date - 08/10/15 Place - Kandi

Sir, I am SHREE KANT JHA. LIC Agent ZM'S club from BHAGALPUR Div. Br.BHAGALPUR Br. -1. My agent -portal not open from six month. Please correct my portal. My agency code[protected]. Email:- [protected]@gmail.com Mob. [protected]. I reguast to you please solve my agent-portal.

Dear Sir This is to bring your notice that, my mother-in-law, Late Geeta Roy Chowdhury had taken quite a few policies during her life time from an Insurance Advisor name, Sri Asit Baran Das (Possible Agent Code – 93373411/9999999) and his wife, Bnani Das (Possible Agent Code – 18254412/1725041), Contact Number – [protected] Unfortunately my mother-in-law passed away on March 2015 and since then we are facing tremendous Non-Cooperation in claim settlement process from him. Myself and my wife, Mrs. Anusree Roy Chowdhury (Nominee/Daughter of Life Assured), have tried calling him several times, but he is either disconnecting our calls or hanging his phone down after receiving the call from unidentified number. In this scenario, we are helpless and have no other option, except writing this complaint to you for your kind support and cooperation. Don’t know why most of the LIC Insurance Advisors are behaved in this manner when it comes to servicing their own procured policy? Policy Details are as below: 1) Policy Number:[protected] Date of Commencement of Policy : 28/03/2012 Date of Maturity : 28/03/2021 Sum Assured : Rs.50, 000/- Premium Paid : Rs.37, 549/- (single premium) 2) Policy Number:[protected] Date of Commencement of Policy : 25/03/2013 Date of Maturity : 28/03/2018 Sum Assured : Rs.40, 000/- Premium Paid : Rs.39, 800/- (single premium) POLICY SOURCING DETAILS – LIC INDIA, CITY BRANCH NO 2, 7 COUNCIL HOUSE STREET, GROUND FLOOR, KOLKATA DIVISIONAL OFFICE – KMDO – I BRANCH OFFICE – 413 AGENT NAME – ASIT BARAN DAS & BANANI DAS AGENT CODE (POSSIBLY[protected]/9999999 AND 18254412/1725041 AGENT CONTACT NUMBER - [protected] Looking forward to your response and extended support in order process claim settlement in subjected policies. Thanks & Regards, Prosenjit Raha (Son-in-Law of Life Assured, Late Geeta Roy Chowdhury) Contact Number - [protected] Kolkata

Received a call fromverification dept of LIC asking for my LIC No. & DOB thatis[protected] and[protected], which we provided. After visiting LIC OFFICE I WAS TOLD THAT IT IS FRAUD call received from no."[protected]"... I would request the LIC OF INDIA not to release any of my payments related to these policy no. without intimating on my registered postal add and ph no. And would request look into matter.

I have a policy. No[protected] in the name of prema manjari. Pattjoshi. Ihavegot Pension. Of rs 240 per month. Upto July. 2011 theN till date ihave no Pension. I have. Giver several. Time Complaints. In bhawanipatna. The officers. Had telephonic contact several. Time but the problem. Was not solved so I request. U to kindly. Solve the problem

Sir I have taken two policies for my children.Sona benny policy taken in 12 years old, my son Ebin Benny policy taken in 7 years old.I pay the premium throughout two years.after two years my daughter became heart patient, now she is in treatment.so now i can continue the premium.i request for my money but they didn't refund my money. ph:[protected]

Sir, I paid the insurance premium amount rs.1096 towards policy no[protected] of my wife p.nandhini on 22.09.2015 through my icici netbanking and in the transaction status of lic also I got the message "transaction successful ".but until now I have not received the e receipt for the same.Hence I request to send me the e receipt to my mail I'd early. My mail i'd.:[protected]@gmail.com My mobile no. :[protected]

Policy No.[protected] Kindly update my e-mail address as indumathy.[protected]@gmail.com or d.[protected]@yahoo.com Please note, I have forgot my user id and password, hence unable to login. Request yourself to send my password to my above mentioned new email address and enable me to get my premium receipts & currently not able pay Premium of LIC online.

Merchent id ;02773747 Invoice no ;36217632 amount ; 22927.00 bank ;City Union Bank Name ; A.ARUL DAVID Branch ; Devakottai Account no ;[protected] Ifsc code ; CIUB0000183 Reference NO ; DCUB[protected] contact no ;[protected] e-mail-id ; [protected]@gmail.com kindly sir/madam I has been transfered a/c [protected] city union bank my invoice Ref no.DCUB[protected] FOR RS. 22927.00 on 12.09.2015 invoice id 36217632 lic invoice date 11/09/2015 and second Transaction Ref no. DCUB[protected] for RS. 22927.00 on 14/09/2015 lic invoice id 36217632 invoice date 11/09/2015. So kindly sir/madam refund amount for debited my city union bank account no;[protected].name- A.ARUL DAVID i am wating sir please replay sir

Dear sir
Iam aman agarwal iam lic of india agent at dd puram branch bareilly branch bareilly division my pan no - bcgpa5390a. I need noc.. Im not intrested to working in lic of india. I need noc from lic of india my code also terminated due to not done bisiness under my code, since 6 months im suffering with lic of india pls support me..
Thanking you
Aman agarwal
Lic agent pan - bcgpa5390a
Dd puram branch
Bareilly divison
Bareilly
[protected]

LIC Agent
New user ID&Password
Respected sir/SDM
I am lic agent since 10years At Rajasthan (balotra-Branch 18g) I need a user I I'd and password for my agency code to view the status of my live I have
done nearly approx .30 lives up to dates
My Details
NAME-HUKMARAM JANGID
DATE OF BIRTH:[protected]
AGENCY CODE :0118318G
DO CODE:529
Gmail ID:[protected]@gmail.com
REGARDS,
HUKMARAM JANGID

Respected Sir,

I have taken home loan from LIC Housing Finance Ltd, Saidapet, Chennai.

My loan A/C No is [protected].

I have requested LIC Housing Finance Ltd, Saidapet, Chennai to give me a copy of all the original documents submitted as
per RBI rule (as per frequently asked questions no.16(b) in RBI website) by a written letter to
LIC Housing Finance Ltd, Saidapet, Chennai branch. But they refused to take my request to give me a copy of all the
original documents and they also refused to give me this refusal response in written letter or any acknowledgement. They told they will give me documents in any manner only when loan closure.

Please help me to get copy of all the original documents that I have submitted from LIC Housing Finance Ltd.

Thanks,
Balaji U,
No.11, P.K.Chetti Street,
Walajabad - 631605
Tamilnadu

Dear Sirs/ Madam,

Re: JeevanAnand Policy No.[protected], ​

Sub : Complaint against illegal, unauthorised and arbitrary decision of LICI to suspend/block JeevanAnand Policy No.[protected], ​ without any intimation

Please refer to my telephonic discussion with the The Branch Manager, LICI, CBO-19, on 27/08/2014 at about 15.00 hours and my subsequent complaint through email. It is regrettable that the same has not yet been even acknowledged as yet.

Please further note that I am unable to make payment of premium of Rs 57, 718.00 for the year 2014-15 either online or offline. My due date for the premium of said policy was 17.06.2014 but I neither received any notice from you nor your agent concerned namely Md. MohiSulaiman Salehjee (Code no[protected] called on me to collect the premium as has been the usual practice.

While trying to make payment online, the system flashed a message“your policy is not in force”. I fail to understand that on what ground my policy is not in force when I have never defaulted in the payment of annual premium since 2010 after the policy was issued on 17.06.2010 &printed and signed on 06.07.2010.The policy bond was duly received and accepted by me.

When I contacted the customer care department to lodge my complaint, the concerned executive expressed his inability as he was not able to register the complaint in the system. Thereafter I tried to register my grievance online but again failed to do so.


On interaction with the Agent concerned and after pressurising him a great deal, I came to learn about the real reason for suspension/blockage of the above policy. I was surprised and shocked to learn that the then Assistant Branch Manager(Sales), Debabrata Roy allegedly misappropriated a huge sum of money in cash received from policy -holders and did not deposit the same in the Bank Account of LICI.

I further came to learn from the said agent orally that an enquiry/investigation by the CBI is going on against the said Debabrata Roy. I welcome the enquiry/case against the allegedly dishonest LICI official. However, I do not understand the repercussions of the said dishonesty on the above policy.The said insurance policy is a legal contract enteredbetween us in utmost good faith and mutual trust.

After depositing the risk advance premium in cash, I received the First Premium Receipt whereafter, I received the Policy Bond, copies whereof are enclosed herewith for your ready perusal. What prompted you to take such an illegal, unauthorised and arbitrary action against my above policy without notice to me after more than 4 years is beyond my comprehension and common sense bordering on ridiculousness and foolishness.

Your unwritten, uncommunicated and unknown action/order against me is illegal, unauthorised and arbitrary on the following amongst other grounds:-

1) No notice was given to me before the issue of the “ghost order”.

2) I was not a party to the alleged fraud, criminal breach of trust or conspiracy to misappropriate cash funds of LICI.

3) I was not your employed staff and could not have participated either directly or indirectly in commission of the alleged misappropriation, fraud, criminal breach of trust or conspiracy.

4) Your action is barred by the law of limitation and the principles of waiver and estoppel inasmuch as after accepting premiums continuously for the last 4 years, you are legally estopped from either denying receipt of premiums after 4 years or describing an “in force Policy” as “not in force”.

5) The Policy document which is a legal contract between us cannot be cancelled/annulled/suspended/blocked by you unilaterally.

I, therefore, request you to be kind enough to accept my premium for June 2014 without any penalty/interest immediately failing which I will take appropriate steps in the matter at your costs and consequences. I also call upon you to pay me Rs.1, 00, 000/- as exemplary costs for causing unnecessary correspondence and mental harassment.

Thanking you,

Yours sincerely,


Mobin Al Rashid 70, Karaya Road, Jasim Tower, 2ndFloor, Flat no.201, Kolkata700019
Mobile-[protected]

Sir I Infom you that i pay timley emi but office staf miss my check and call me pay emi and give me sms over due emi. other problem ecs charge 200/ rs per month deduction my accont but ecs not success.create problem they not pay biulders installment timely sir i rquest do not deduction ecs charge 200/ per month and office sport consumer without problem also consumer give check and other daucomnt do not missed. pay installment for timely to biulders Ram Chandra Gautam my mob no [protected]

Lic Of India - Request for agent portal ID and password

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Basavarajaiah

Dear Sir/Madam

I, Siddayya swamy agent of LIC Of India with agency code 02192806
connected to Bidar Branch Karnataka. I forgotten my Agent portal ID and Password. Please send new portal ID and Password to my e mail ID: [protected]@rediffmail.com. Please do needful.

Thanking you sir


siddayya swamy

Policy no.[protected], v.Venkatalakshmi. Supposed to receive money back by 28th aug15, but not received till today.First time error with neft in uploading a/c no.After informing, neft initiated with correct a/c no. But money not credited.Kindly resolve the issue.

LIC Customer Login PAGE is not working since coipue ofa months & Nobody is taking responsibility. We have been tellijg LIC branches to take formal complaint & we couldnt get good response. Please resolve this issue as we are dependent on LIC Customer Page to pay LIC renewals every month n Every Year.