Life Insurance Corporation of India [LIC] Complaints & Reviews

Sir, I would like to inform you that after payment of my policy premium of my LIC Policy No.[protected] on 23/12/2013 vide transaction No. PR[protected], I have not received my payment receipt on my e-mail address [protected]@rediffmail.com. I therefore requested to sent the same at an earliest due to submission in Income tax purposes. Thanking You. swagota Paul

Sir,

Respectfully, it is submitted that I have deposited the lum sum amount amounting to Rs. 368000/- (Rupees Three Lacs Sixty Eight Thousand only) against my Built House Loan Account No. [protected] as per detail given below:-

1. PIS Dt. 9/7/2013 Rs. 124000/-

2. PIS Dt. 10/7/2013 Rs. 84000/-

3. PIS Dt. 10/7/2013 Rs. 100000/-

4. PIS Dt. 12/7/2013 Rs, 60000/-

Total Rs. 368000/-

The photo Copies of the above noted PIS’s are enclosed herewith for ready reference.

I visited the office of L.I.C. Finance, Patiala on 5/11/2013 to collect my loan account statement. I scrutinized my loan account statement and found that Rs. 3, 68, 000/- has not been reduced the Principal Amount from my loan account till 5/11/2013 whereas the amount already stands in the books of L.I.C. Finance Agency. I requested to the concerned authority at L.I.C. Finance, Chandigarh and explained the whole position. They adjusted the said amount on 6.11.2013 instead of actual date of deposited the amount. I again requested them for properly adjustment, but the same has not been rectify the error. In this way I goes in loss @ 11.9% of loan Interest.

It is further stated that above amount was drawn from my provident fund from my department and deposited with your agency through your authorised bank. I also loose my G.P. Fund interest @ 9% from my department. Thus I loose my interest on my Provident Fund as well as my loan account. Such I affected double loss.

It is therefore, requested that Rs. 3, 68, 000/- may please be adjusted in my Principal Amount w.e.f. 12/7/2013 (last date of deposit) instead of 6/11/2013 to avoid double loss to me and oblige.



Thanking you

Yours sincerely,





D.A./As above (Krishan Kumar)

Dated:_____________ # 3, Sant Hazara Singh Nagar,

Near Petrol Pump, Sanaur Road,

Patiala-147 001 (Punjab)

(Mobile No.[protected]

I SENT THE RTI APPLICATION ON 12.12.2013 WITH A MANDATORY FEE OF RS.10/- ATTACHING A POSTAL ORDER ALSO, TILL DATE THERE IS NO RESPONSE. WHAT SHOULD I DO PLEASE ADVISE AND ALSO TAKE UP WITH LIC OF INDIA.
HK AGGARWAL
556, SECTOR-54, PHASE-2
MOHALI -160055
[protected]@hotmail.com
mob: [protected]



To
The C.P.I.O,
LIC of India, Central Office,
Yogkhshema, Jeevan Bima Marg,
Mumbai - 400 21.

Sub.: Information under RTI Act 2005 regarding payment o[censored]pgraded pension and removable of DA anomaly. (Under the proviso of Sec 7(1).)

Dear Sir/Madam

You are aware the Hon’ble Supreme Court, inter alia, passed the following orders on 08.08.2013, 19.8.2013, 30.9.2013 & 8.10.2013 while disposing off SLPs filed by LIC against the orders of three High Courts, :

“There shall be no stay of the directions given by the learned single Judge vide order dated 12.01.2010 passed in S.B.CWP No.6676 of 1998 and connected matter.”(connected matter means CWP No.654 of 2007 regarding upgradation of pension).

Accordingly LIC is under legal obligation to implement Rajasthan High Court orders dated 12.1.2010 passed by the learned single Judge in S.B.CWP No.6676 of 1998 and S.B.CWP No. 654 of 2007, vide which the Hon’ble Judge allowed both the Writs and LIC has been directed to implement LIC’s own Board Resolution No. 492 passed on 24.11.2001 - which provide relief to all the retired employees of LIC (ie. Pensioners) on two long pending demands viz:

(1) Updation of pension consequent upon revision of pay scales of in-service employees from time to time ie. 1997, 2002, 2007 and subsequent revisions as and when take place.

(2) To remove glaring anomaly with regard to payment of DA to pensioners who retired before 1.8.1997 as they are getting 50% neutralization whereas who retired after this date get 100%.

I seek the following information under RTI Act, 2005.

1. Please inform if necessary orders/circulars have been issued by Central Office, Mumbai and sent to ZOs, DOs, BOs for implementation of court orders with regard to payment of revised pension after upgrading on account of periodical grade revisions in 1992, 1997, 2002, 2007, and removing DA anomaly as per Rajasthan High Court, Jaipur orders dated 12.1.2010 and arrears with interest of 12% from the date of retirement as per Pb & Haryana High Court orders dated 09.11.2012, and Delhi High Court vide their order dated 30.1.2013 added “……………….that concededly the law declared by the Jaipur Bench of the Rajasthan High Court has to be applied in rem”.

2. In case answer to (1) above is yes, please send me a copy of such orders/circulars.

3. In case the answer to (1) above is No, please inform the reasons under Section 4 (1)d of RTI Act 2005.

Please note that with the publication of High Courts Orders on the web sites, and the fact that there is no stay by the Supreme Court this matter is no more sub-judice, and thus has become public and applicable.

Since information sought for concerns to my life, the same be provided within a period of 48 hours of the receipt of this request, as per the proviso of Section 7 (1) of the RTI Act 2005.. Payment of pension is directly related to my life.
A postal order No. _____________ for Rs. 10/- is attached herewith as processing fee.



Thank you
Dated:12.12.2013

Signature
Name: HK AGGARWAL
556, SECTOR-54, PHASE-2
MOHALI -160055
[protected]@hotmail.com
mob: [protected]
Retd.__DM- LIC
S.R. No. 170191

I have a money back police No[protected] taken on 28.03.1994.I forget the survival benefit date for my policy and I am not receiving the same for few years.Earlier survival benefit date was being mentioned on premium receipt slip. But now it is not being mentioned.So please tell me the same and also suggest how to get it as I am service personnel and not residing at the policy address.

My name is Dinesh Shinde. I have taken housing loan from LIC HFL. Agent Name: Nagesh Shewale I have submitted disbursement document on 25th Nov 2013. After 13 days I was told that I need to submit some cheque of 562Rs if I want to avail the disbursement. I submitted the DD of the same. Still I did not receive the disbursement. I am not sure what is the exact issue. My agent is also not able to help me for this concern. I contacted cheque disbursement department person Ajit. He is not providing me the proper information and I am still not sure when the disbursment will be availed. Very pathetic experience with LIC and I am very disturbed because of there service and kind of irresponsible replies.

Dear Sir,

With reference to above subject I wish to change premium mode from Quarterly to Monthly ECS for below mentioned three Life Insurance Policies.

I have given change mode application at 83P Odhav Branch (Ahmedabad) as on 10th Dec’ 2013 but in response branch informed with one policy number only & in single line that “Monthly ECS will not be possible for given policies.” This was informed via speed post.

In this regard as par rule I request to change mode of payment from Quarterly to monthly ECS for below given three policies.

Policy Numbers for which mode of Payment need to change:

[protected]
[protected]
[protected]

I look forward for your kind cooperation & prompt response. Please feel free to contact me on below given contact no for any clarification required so as to complete request in faster.

I have also send mail (mail ID:sdm.[protected]@licindia.com) yesterday, still I have not received any update of my complaint.

Thanks in Advance
Nitin Thakkar
(Mob : [protected])

I had filled form of Jeevan Arogya Policy of LIC in month of July 2013 and paid premium in advance to LIC but still today I have not received policy documents from LIC. Number of times I have taken foollow up with LIC agent and communicated to LIC Head office, Branch office through email but I did not get any response from them. I am seeking for help. Please do needful in this regard. Following are email which I sent to LIC about getting policy documents.Please read from last email. 1) From: Nandwalkar, Manoj Sent: Tuesday, December 17, 2013 9:39 AM To: 'bo_716'; 'sdm.thane'; '934, KALYAN - 1, THA' Cc: '[protected]@licindia.com'; '[protected]@licindia.com'; MANOJ.[protected]@gmail.com; '[protected]@consumerforum.com' Subject: RE: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY-REMINDER-2 Dear Sir/Madam, Any progress on following issue? Waiting for your positive reply. Best regards, Manoj Nandwalkar [protected] 2) From: Nandwalkar, Manoj Sent: Friday, December 13, 2013 4:06 PM To: 'bo_716'; sdm.thane; 934, KALYAN - 1, THA Cc: '[protected]@licindia.com'; '[protected]@licindia.com'; MANOJ.[protected]@gmail.com; '[protected]@consumerforum.com' Subject: RE: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY-REMINDER-2 Respected Sir/ Madam, Today I spoke with Ms.Farzana madam (N.B. dept LIC, Karnik Road branch) regarding following issue, she said it is pending from Divisional office. No information have been received from div office. She was saying this policy has been closed recently. If this was the case then why Agent/LIC collected my cheques? Why you kept me in dark? Please suggest to whom shall I contact? Please refund my Rs.8956 which I paid for this policy(refer attached my bank statement from which cheque nos- 36 & 37 have been deposited to LIC). I want to cancel this policy as I am not getting any proper feedback from LIC.My bank accounts details are given attachments and please deposit my money in the same. Also send acknowledgement for the same. Please treat this as my application for money refund. Very poor response from LIC in this regard. I am not satisfied with LIC which is supposed to be customer oriented. Best regards, Manoj Nandwalkar [protected] -----Original Message----- 3) From: bo_716 [mailto:bo.[protected]@licindia.com] Sent: Friday, December 13, 2013 10:39 AM To: sdm.thane; 934, KALYAN - 1, THA Cc: Nandwalkar, Manoj Subject: RE: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY-REMINDER-2 DEAR SIR, WE FORWARD ABOVE MAIL FOR DOING NEEDFUL AT YOUR END. THANKING YOU, YOURS FAITHFULLY, BRANCH MANAGER. ________________________________________ 4) From: Manoj.[protected]@akersolutions.com [Manoj.[protected]@akersolutions.com] Sent: Thursday, December 12, 2013 2:05 PM To: '[protected]@licindia.com'; '[protected]@licindia.com'; '[protected]@licindia.com' Cc: MANOJ.[protected]@gmail.com; '[protected]@consumerforum.com' Subject: FW: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY-REMINDER-2 REMINDER-2 Best regards, Manoj Nandwalkar [protected] 5) From: Nandwalkar, Manoj Sent: Wednesday, December 11, 2013 11:45 AM To: '[protected]@licindia.com'; '[protected]@licindia.com'; '[protected]@licindia.com' Cc: MANOJ.[protected]@gmail.com; '[protected]@consumerforum.com' Subject: FW: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY-REMINDER-1 Respected Sir/ Madam, This has reference to my trailing mail, it seems that no positive action from your side on following issue. An agent Mr. Manoj Kardekar had given wrong policy no for passing the time.Still I am not getting my policy no/documents which I am regularly taking follow from agent. He simply raise his hand by saying LIC is responsible for this delay. I do not understand what to do? I have already paid Rs. 8956 to LIC through cheque. I am giving policy details as follows Policy Name- Jeevan Aarogya Date of Birth – 08/11/1981 Documents submitted- in July 2013 Branch Name- Karnik Road, Kalyan(w)-421301 Agent Name- Manoj Kardekar Agent Code No[protected] Agent Mob. No- [protected] If you cannot help me in this issue, please let me know. Then I will do necessary action. Best regards, Manoj Nandwalkar [protected] 6) From: Nandwalkar, Manoj Sent: Wednesday, November 27, 2013 12:55 PM To: '[protected]@licindia.com'; '[protected]@licindia.com'; '[protected]@licindia.com'; '[protected]@licindia.com' Cc: MANOJ.[protected]@gmail.com<mailto:MANOJ.[protected]@gmail.com>; '[protected]@consumerforum.com' Subject: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY Respected Sir/ Madam, I have submitted all documents Half yearly fee for LIC Jeevan Arogya Policy No[protected] to LIC agent MR. Manoj Kardikar(Kalyan-west). Actual process had started from July-2013 but still today I have not received policy documents. Whenever I ask to agent, he simply says there is paper shortage in LIC for this policy. Today 5 months have been completed but still I am waiting for policy documents. I know that LIC is customer oriented organisation but after getting such response I have doubt about working of LIC. So I request you look into this matter urgently and issue my policy documents at earliest. Hoping for your positive reply. Best regards, Manoj Nandwalkar Policy Name : Jeevan Arogya Policy No[protected] Mob No-[protected] This e-mail and any attachment are confidential and may be privileged or otherwise protected from disclosure. It is solely intended for the person(s) named above. If you are not the intended recipient, any reading, use, disclosure, copying or distribution of all or parts of this e-mail or associated attachments is strictly prohibited. If you are not an intended recipient, please notify the sender immediately by replying to this message or by telephone and delete this e-mail and any attachments permanently from your system. "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."

Sir My name is Bharat Ugale .my policy no is[protected]. It is a money back policy i need to get Money of INR 15.750/- by NEFET payment mode on 15 Dec 13 .I had not yet recieved my money even though their is no mistake from my side as regularly i am paying the premium and my policy is in force.Sir please help me to get the money. This happen every time,

Dear Sir, I have paid yearly premium of my policy no[protected] on Dt[protected]. My a/c was debited but till date i don't received the electronically generated receipt. My transaction no[protected] Premium Amount Rs 11050-00. my e-mail id - [protected]@yahoo.com.

I happened to visit LIC branch to pay the policy premium.But due to some issue, there was delay in the payment and the staff were heading for lunch. When I requested to take the premium, they started arguing with me and talking about rules. There was no mistake from my side for the delay. I was sent to a different counter to verify the policy details. When I returned back to the payment counter, there was a big queue. I waited there for 1.5hrs but of no use. I have no other option to pay the premium since I have to rush back to bangalore the same day. When I approached the manager Mrs. Durga to discuss about this, she said she could do nothing and left the seat. Looks like the manager does not have any hold on the staff members. I therefore request to avoid such rude staff members. They took an advantage that they were a whole group and I was only one there and they started to argue with me. They say that, even there is not mistake on my part, I should not argue. But simply said that the mistake is all mine and I left the place. LIC of India 1st floor Mani Bhushan complex Lakshmipuram guntur Branch code - 699

I have not yet received my money back return instalment till date which was in June'2012. My Money back police no is[protected] dt 28/06/1992 f/o Smt.Kamlesh Rana VPO Bhaderkali, Teh.AMB vis Daulatpur Chowk Distt.Una for sum assured Rs.25000/= Requested to please release my payment with 18months interest immediately. Best Regards, Kamlesh Rana M.No [protected]

To Dated Guwahati, the 11th Dec’2013 The Area Manager LIC HFL, Fancy Bazar, Guwahati Subject: Request to provide list of documents that you procure against my housing loan A/c. No. [protected] Dear Sir, I have the honor to inform that I have applied for list of documents of the said loan since 13/09/2013, but till date neither I have not receive the same nor receive any communication from your side though I have been following up for the same with your office. It has been already 3-months over still I am awaiting for the list of documents against my housing loan A/c. No. [protected] . As such, request you to provide me the list of documents against my housing loan no. [protected] Thanking you. Sincerely yours, [Rajib Debnath] Mobile No.-[protected] Email: [protected]@gmail.com

Online information system of LIC is very poor. LIC should provide a clear account statement of each registered policy exactly as BANK provides bank statement. The statement should clearly show all transaction details including the debit and credit amount of each policy. it should clearly mention all dates of maturity/money back/bonus etc. etc. everything which is either credited or to be created. I think there is something wrong behind the screen. They never disclose anything about the return/refund/profit/gain, nothing of the policy holders. It is the right of the policy holders to know all the details transaction of the account like bank statement. When Banks are advised to do that why LIC not. Why the regulatory authority is not conscious about the interest of the millions of people those who are blindly investing their hard earned money in LIC. Why we should always depend on the fraud agents who always use to misguide us for their self interest. I request all the people to be aware of this. They should not claim only for premium paying statement, they should also claim a complete accounting statement. Thanks and regards, Umasankar Panda compusoft.[protected]@gmail.com

From, Akkamahadevi M/o late T M Pramod kumar Tarikere, chickmagalore district 577228 Karnataka. With reference to above subject i have a write a massage to ur esteemed organization about above mentioned subject. My son was died on 10.10.2012 in his life time he entered to an agreement with LIC of India tarikere through policy no.[protected]. Due to some personal problem it was lapsed. But on dated 30.11.2009 it was reviewed through Agent, the agent reviewed the same by taking requisite signature on several papers and intimate us as ur policy was reviewed. After review we paid regular premium without fail. On same day he also reviewed my another son's by name Mr. Prashanth policy no.[protected]. After death of my son by name pramod kumar. I have filed the claim petition for the death of my son to regional office, but they denied the same for some unwanted reasons. I request your kind self to grant a claim amount as compensation under the policy no.[protected] for the death of my son or if you come to conclusion i am nt entitled the claim, please instruction to them return the premium amount which my son paid to them. Hope do the needful Thanking you your faithfully AKKAMAHADEVI

Hi, For my policy[protected] I am unable to pay premium through Internet banking ( Billdesk gateway ). But the axis bank / Idbi gateways are always open, why its so .These payment options are paid one for each transaction. so tell me will LIC opens only paid sites so they can make money!!!. I know about all the policy related payment restrictions. My policy don't have any dues / falls under any acceptance criteria's. Next due date for my policy is 28/12/2013, so the payment gateway should open as usual . I am using this online facility for more than 5 years now. Please open the Internet banking ( Billdesk gateway ) Asap. Thanks, Rev

Premium amount of Rs 1006 paid for the following policies and the same has been debited from my account, I have not recieved the payment premium receipt. kindly provide me the same at the earliest for my Income tax return purpose the detail are mentioned below. hope that you shall do the needfull at the earliest The transaction details are as follows Date 05/12/2013 Transaction detail: transation id 07630745. bank Transation - BILD-LIC INDIA 0131205 [protected]@800465 Sr No Policy No Prm Amt [protected] rs 1006 Send the Premium paid receipt in my e mail Id [protected]@gmail.com

I am Amritbhai Patel. I have varishtha pension bima yojana policy [[protected] dated[protected]] being serviced by LIC Branch number 896, Bombay Mutual Annexes Building, 5th Floor, Gunbow Street, Mumbai 400 001.. I have not yet received pension of Rs.2000 for November, 2013. I have been receiving my pension through ECS always on the first of the following month by crediting my SB A/C with Bank of Baroda, Shimpoli branch, Borivli[west]. I telephoned to LIC Branch 896 several times but no response. Please help me redress my grievance and get pension immediately credited to my bank account. I would like to get email ID of the branch 896. Amritbhai R.Patel

My name is suman kumar, agency code- 00356/530 (ex-agent). My agency was inforced up to 1996 to 2008. But not realeasing my renewal commission up to july 2007 to till now. Please, give me any suggession. My mobile no. [protected], my email [protected]@gmail.com.
Thanks....

Dear Sir/ Madam, I took at Mar 2009 with rate of interest as 8.75% and this changed after 3 months to 10.5% and now standing with 11.75%. This shows my home loan for 24 lac taken in 2009 for 20 years have now went upto 36 years with the same EMI. What should I do? any help? Don't know if I am trapped Loan A/c Number : 61039298 Regards Prabakaran [protected]

Dear sir/ma'm, I would like to say that I have already written a letter to return my policy bond but I didn't received bond till now Policy Holder Name = Phool Singh S/o Ram Saran Lodh Policy No.:[protected] and I also know about my due premium amounts contact No: [protected] / [protected] / [protected] Thanks & regards Raj Kumar ( S/o Phool Singh)