Life Insurance Corporation of India [LIC] Complaints & Reviews

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)

ref. 933 PS/REVIVAL DATE 06/08/2013
POLICY NO.[protected] DUE FROM 11/2010
I WAS PAYING MONT HLY INSTALLMENT OF RS.5104.00 THROUGH ECS. hOWEVER WE RECEIVED THE ABOVE MENTIONED LETTER DURING SEPT 2013.
I AM SURPRISED TO KNOW THAT WHY THIS INTIMATION AFTER 03 YEARS ASKING ME TO PAY WITH SO MUCH FINE. MY GRIEVANCE IS I MAY NOT BE KNOWING THE STATUS OF MY POLICY ? NOR LIC HAS INFORMED ME ABOUT NOT GETTING THEM PAYMENT FOR PAST 03 YEARS ! HOW YOU EXPECT ME TO PAY FINE FOR 03 YEARS ?
I AM WILLING TO START MY POLICY BUT VERY DIFFICULT TO PAY FINE CHARGES ?
MAY I EXPECT POSITIVE SOLUTION IN THIS MATTER.
THANK YOU.

RAVINDRA G. TAWTE

My LICHFL File No is [protected]. My Cheque is released on 29-Oct-13 but still not received in my hand.After inquiry LIC peoples tell that Sell deed of flat is necessary and after sell deed we will give you the chque. I discussed with the LIC advocate He tell me that no any document is pending from your side and Sell deed not required. And also I need to pay the interest on loan amount which is still not given to me.

respected sir 31/08/2010 me maine ye policy li thi jo ab mature ho gai he or suurender nhi ho pa rhi surrender krne pr cooling of dikha rha he maine 3sal tak pura premimum bhi pay kiya he 14oct ko suurender krne gai pr tb se ab tk lic walon ne iska koi bhi solution nhi nikala 2 months hp jayenge koi +ve response nhi mila plz aap meri problem ka kpi sollution de cooling of kaise htega or policy kaise surrender hogi sir me bhut preshan hun plz aap meri problm solve kren. thnx

NO LIC LOAN GIVEN TO ME FOR ONE YEAR (2008), AFTER GIVING 50, 000 TO LIC AGENT THEY GIVEN LOAN FOR 14LAKHS, NO PROPER SIGHT SEEN BY MANGER LIC, NO PROPER CONSRUCTED BY SAMPATH CHETTIAR, BUT TAKEN ALL THE MONEY AFTER 5YEARS BUILDING GIVEN TO ME, NO ROAD IN KCC NAGAR, , HOSUR, PROPER APPROVAL BY COLLECTER KRISHNA GIRI, TAMILNADU. ALL HOSUR PEPOLE SUFFERING VERIUS DISEASES IN THIS AREA, LIC HOSUR TAKING SOMETHING FROM ALL CUSTOMERS 20, 000- 1LAKH SO, PLEASE TAKE ACTION LIC AND RECOVERY AGENTS THANKING YOU

Its been a month I was issued credit card# [protected]. The card gets declined at any merchant outlets I tried. It only works at the ATM. I have called Lic customer service numerous times however they say nothing is wrong with the card. When nothing workef I asked for a new credit card. However the new credit card also does not work anywhere except ATMs.
I am really dissatisfied with the service.

Regards,
Semant

From: "amit kumar"[protected]@rediffmail.com
Sent: Thu, 14 Nov 2013 17:10:25 +0530
To: "[protected]@licindia.com"[protected]@licindia.com
Subject: Fw: Sir, Pls you cancel my policy. My policy no. is[protected].


TO,
The Sr. Branch Manager
RZ-1 Rati Ram Park, Nazafgarh
Vill.N. Delhi-43
Phone[protected]
e-mail:[protected]@licindia.com

Subject: -I had sent mail to you on dated Thu, 14 Nov 2013 17:10:25 & send to you mail again
Sir, Pls you cancel my policy. My policy no. is[protected].

Respected Sir,
With reference enclosed attachments
My name is Amit kumar. My policy no. is[protected].I am from Palwal.I had come on yesterday ON DATED 14.11.13 after noon in your office & talked with Mr. khanna.I can not mate with you because perhaps, you was not in office.
I am not agree with features of this policy due to some situations & reasons, cheated by your Satish DO's Agent .So i can not continue with this policy.Sir, i request to you. Pls you stop my bond paper give to the Agent & cancel my policy & refund my money at actual cost.Also i send to you bank account statement detail regarding lic premium debited & first premium receipt with this e-mail.I shall be thankful to you for your kind support.
sir, pls my refund amount cheque not issue to my agent because i have no confident on my agent.For my amount refund, I send to you some detail of my account.If you have any doubt, pls you call me.

First premium receipt.
I sent to you on your office e-mail id a blank cheque photo copy for IFSC Code proof.
My Account no. is[protected].
Account statement detail regarding lic amount debited.
Pls send to me a text mail for your acceptance.
ThankingYou,
With Best Regards
Amit kumar s/o dharamveer Parsad
D9-625, Adresh colony, palwal
PH. NO. :- [protected], [protected], [protected]