Life Insurance Corporation of India [LIC] Complaints & Reviews

my husband sandeep saini LIC policy vide no.[protected] from naraina vihar new delhi branch. My husband expired on[protected] and I submitted claim on[protected]. replied to queries on[protected] and[protected] but till date fate of claim is awaited. Telephonic enquiries have yielded no results. Your intervention in solicited.
Jaya saini - claimant
Yol Bazar
Dharmshala (H.P.)
Phone no:[protected]

My policy Number is [protected]. I had a address chage and updated the same in policy records timely . I had a bonus refund due in yr 2009 on this policy and it has not been paid till now . I enquired about it one month back and came to know that it has been send to old address . I gave the application again as the records were not updated.. I was told that i will get the cheque in 1 week and nothing is done . The Phone no given by them is always busy, and even it you get the line they will put it on hold. Kindly do help me.
.Sincerely
Neelam Kumari Kushwah

Sir/Madam

I am Amar Kumar Ghosh ,a Indian citizen .I was lastly a LICI agent. My LICI agent code -6834443.I had given the resignation on Jan 2005 & it accepted by LICI. In that time I also applied for section 44 & it also accepted by LICI. My agency joining date was March 1992 & resigned date Jan 2005.My total agency career was 13 years. According to sec 44 rule still date I am eligible for renewal commission. But sir LICI still did not give the commission .For this cause I gave the application on branch office chinsurah & division office howrah on 22 nd sept 2009 & 11 th Feb 2010.But LICI doesn’t give the commission. Sir Please help me. IRDA
is our only hope. Sir my Mobile number-[protected].Sir if You give the permission I can send the all document by mail or fax. Sir I would be thankful to you if take a necessary step. I want to take a legal step Against LICI.IRDA is a government body ,I hope IRDA solve the situation. Other wise I go to agent forum , take all necessary legal step & media against the LICI.I think, this matter is serious issue. Please take necessary step.

Thanks & Regards
Amar Kumar Ghosh
Mb No-[protected].



Flag this messageFW: Fwd: Complain 2nd DayFriday, 26 March, 2010 7:20 AM
From: "Amar Kumar Ghosh" <amarkumar.[protected]@yahoo.in>Add sender to ContactsTo: "[protected]@irda.gov.in" <[protected]@irda.gov.in>Message contains attachments1 File (1349KB)attachments_2010_03_13.zipDEAR SIR,
KINDLY LOOK INTO THE MATTER.PLEASE HELP ME CONSIDERING THE MATTER WITH YOUR KIND HEART.

THANKS & REGARDS
AMAR KUMAR GHOSH
MOB-[protected]


----- Original Message -----
Subject: Fwd: Complain 2nd Day
Date: Tue, 23 Mar 2010 6:51:26
From: Amar Kumar Ghosh <amarkumar.[protected]@yahoo.in>
To: <[protected]@irda.gov.in>
CC: <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <satish.[protected]@irda.gov.in>, <[protected]@irda.gov.in>, <h.[protected]@irda.gov.in>, <r.[protected]@irda.gov.in>, <k.[protected]@irda.gov.in>

--- On Sun, 21/3/10, Amar Kumar Ghosh <amarkumar.[protected]@yahoo.in> wrote:
From: Amar Kumar Ghosh <amarkumar.[protected]@yahoo.in> Subject: Fwd: Complain 2nd Day To: [protected]@irda.gov.in Cc: [protected]@irda.gov.in, [protected]@irda.gov.in, [protected]@irda.gov.in, [protected]@staranandalive.com, mm.[protected]@licindia.com, [protected]@licindia.com, [protected]@licindia.com, [protected]@licindia.com Date: Sunday, 21 March, 2010, 3:08 AM

Sir/Madam

I am Amar Kumar Ghosh ,a Indian citizen .I was lastly a LICI agent. My LICI agent code -6834443.I had given the resignation on Jan 2005 & it accepted by LICI. In that time I also applied for section 44 & it also accepted by LICI. My agency joining date was March 1992 & resigned date Jan 2005.My total agency career was 13 years. According to sec 44 rule still date I am eligible for renewal commission. But sir LICI still did not give the commission .For this cause I gave the application on branch office chinsurah & division office howrah on 22 nd sept 2009 & 11 th Feb 2010.But LICI doesn’t give the commission. Sir Please help me. IRDA
is our only hope. Sir my Mobile number-[protected].Sir if You give the permission I can send the all document by mail or fax. Sir I would be thankful to you if take a necessary step. I want to take a legal step Against LICI.IRDA is a government body ,I hope IRDA solve the situation. Other wise I go to agent forum , take all necessary legal step & media against the LICI.I think, this matter is serious issue. Please take necessary step.
I send the copy to IRDA, Agent Forum & Star Ananda Tv News.

Please find the attachment & look into the matter on ergen issue. I need your kind cooperation.
Therefore I'll thankful to IRDA for ever.

Thanks & Regards
Amar Kumar Ghosh
Mb No-[protected].

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Agent Portal Password
I am REETU MUSADDI. my agent code is 38245F , my branch is lic of india MALDA - 2 branch OF JALPAIGURI division. my user id 0038245F, I DID NOT RECEIVE THE agent portal password.
please send my password.

Sir, My Policy No.[protected] under sss . Ref. I am submiting letters in your office Dated 11/09/2009, 29/09/2009 & 18/02/2010 for My original LIC Policy not return to me.I have personnely contacted and also contacted regarding this on phone no. 26267220 to two officials but till today I have not received any response.As all my letters are not answered at all by LIC Officer. Please do the needful at the earliest.Kindly arrange to response for my e mail. My contact no. [protected].

My policy no. is[protected] whose premium amount due was as on 3/3/2010. As, there is an extension period of one month I went at the Vasai West LIC Branch on 26/3/2010 to pay the premium amount thru cheque but, due to system was down the Manager told me to drop the cheque inside the dorp box located inside the LIC Branch. And, accordingly I dropped the cheque on that day itself but, still the cheque has not cleared from my a/c. Below is the cheque details:

Cheque No. 145893
Cheque Date : 26/3/2010
Issuing Bank: Punjab & Maharashtra Co-op Bank
Cheque Amt : 8958

POLICY NO.[protected],
DATE OF PROPOSAL:17/03/2000,
DATE OF ANNUITY VESTS:17/04/2010,
DATE OF 1ST. PENSION INSTALMENT:17/05/2010

his is to inform that I shifted my residence to Kolkata from Thiruvananthapuram afer super annuation from service(VSSC).
I already intimated LIC office at by e-mail([protected]@licindia.co) and registered post.
However, no response is received from LIC as on date. All necessary documents have supplied in my letter as address proof.
So, it will be appreciated ,if could help me to resolve the issue. Thanking You

Gangadhar De,
Flat No. B-10/156,
Kendriya Vihar,
Kolkata:700052.

Mob: [protected]

Sir,

I have two Insuarance policy 1.[protected],dt:28.04.02,premium 10720/- and 2.[protected],dt:28.04.06,premium 9083/-.I am already registered with licindia.in and got a user id and accoridingly password and note down in PC.I hace pc with VISTA software,unforunately 4 days back all data lodaed in pc automacilly got erased.I have posted in Srinagar very remote area.My premium due in APRIL-2010,which i have to pay on line.Therefore your goodself are requested to kindly provide my user-id and password again to do the same.

Thanking You.

Nayan kumar verma
DOB-05.05.1971
Policy-1 #[protected],dt:28.04.02,premium 10720/- and policy-2 #[protected],dt:28.04.06,premium 9083/-
Mobile # [protected]

I had applied for a top loan of Rs 3,00,000/- in the month of Sep. 2010. In the loan application form I had applied at a intrest rate @ 8.90% fixed for 3 years. The loan application was submitted personally to sh. Dalwal, a staff at Ajmer office.
Your office had sanction loan wide file no. 513050 dated 13.10.2009, it was shoked that loan was sanctioned at @ 8.75% floating rate. I had submitted an application months back to correct the rate of intrest and disbursed the loan to me. Till date loan amount is not disbursed to me.
You may please look into the matter and arrenge to correct the rate of intrest 8.90% fixed for three years and disburse the loan amount as soon as possible.

To,
LIC of India
Branch Code: EPS1
PCMC, Network Operating Center
1st Floor, Jeevan Seva Annexe,
Mumbai-400 054
e-mail: [protected]@licindia.com
Reference Policy No.[protected] dated 24/04/2007 plan 180(LIC's Money Plus)

Dear Sir,
Reference above policy I have transferred our Installment Rs 10,000=00(Ten Thousand Only) on 05-April-2010 through our use id “sanjeevgammon” and SBI transfer reference MSBI[protected]IG19556296 Transfer to [protected] Bill Desk Transaction dated[protected].
But due to some error on internet neither I have not get receipt of this paid policy nor policy showing paid amount.
Hence please credit amount in my above policy and send receipt for same.

Regards
Sanjeev Kumar Srivastava
Near Tahseel Sadar, Kanji House,
Rae Bareli.
Email: [protected]@yahoo.com
8302_ph_koldam.[protected]@gammonindia.com
Mob.No. [protected]
[protected]

My Annuity no is 011M[protected] issued from Life Insurance Corporation of India, P & GS deptt, K G Marg New Delhi. My pension is due on 01st of every Month. Today it is 06th of April 2010, but regret to write that the my pension amount Rs13422/-( net of TDS) gross Rs13552/- has not been credited to my bank a/c with Standard Chartered Bank. I have not been informed any reason for non credit of the current month's pension. Consequently my debit ECS from ICICI Bank for Rs6383/- has been returned unpaid due to funds reason.You are requested to immediately look into my complaint and arrange to credit my account with the monthly pension amount under advice to me. As regards charges levied by ICICI bank and SCB, I will be claiming separately from LIC.
Await immediate revert.
Thanks / R K Wahi
Mob [protected].

To,LI C of India
N East CentralZonal Office
Individual Pension Policy Servicing Cell
Jeevan Deep Building, Exhibition Road
PATNA-800001
SUB.-non receipt of anuity due on 1.4.10
Ref.- policy no [protected]
Existance certificate posted vide ref;-IPP/Help Desk/ /Existence Cert Posting/436 date 26.3.10 from Kalyani branch

Dear Sir,
On[protected] at 12.28PM I have visited the your branch to deposit the lic premium. The Cashier (Mr Jarnail Singh) at counter No. 2 misbehaved with me. He is collecting the amount from the agents. I requested him that the counter for the agents is available. so they can deposit their policies at the agent counter. He told you can not tell us what we can do. we knows better you keep quite and wasted my 35 minutes. The cashier behaves like this I think he should be transfer from this seat which is directly linked with the public. Or the LIC has given the powers to do whichever you likes.

Mr.RASTOGI ,ie the branch manager of ASHIYANA BRANCH LUCKNOW OF
L.I.C REFUSED TO GIVE THE NAME OF THE SUPERIOR OFFICER OF DISTRICT MAMAGERS OFFICE HAZRATGANJ LUCKNOW.
DUE TO SOME COPUTOR CONNECTIVITY PROBLEM (WHICH IS A PERPETUALLY EXISTING PHENOMENA ,AND THIS BRANCH STOPS FUNCTIONING TO THE UNTOLD AGONY OF THE CUSTOMERS ,AND THE BRANCH MANAGER IS LEAST BOTHERED TO SOLVE THIS FAILURE WITH THE HELP OF SR. OFFICERS OF L.I.C AND INVOLVE MENT OF B.S.N.L FUNCTIONARIES).
THE COMPLAINANT DESIRED TO MEET ALL THE SENIOR DFFICERS OF L.I.C IRGHT FROM THE FUNCTIONARIES SITTING AT THEI DISTT .OFFICEAT HAZRATGANJ LUCKNOW TO THEIR SENIORS FOR TAKING UP THE MATTER
SUITABLYSO THAT THIS MAY BE SOLVED FOR EVER.
THE MR.MANAGER MR.RASTOGI STUBBORNLY REFUSED TO CO OPERATE AND SAID HE IS NOT SITTING THERE TO GIVE THE OFFICIAL S DESIGNATION SND THE NAME OF THEIR OFFICES,I MUST GO FROM ONE OFFICE TO ANOTHER TO FIND THEIR DESIGNATION AND THE ADDRESS WHERE THEY AILL BE FOUND. I WAS HURT BY THE WAY MR.RASTOGI BEHAVED, AND ONE OF THE STAFF STARTED SHOUTING AT ME TO WHICH M.R RASTIGI TOOK NO COGNIGENS .
YOURS FAITHFULLY
P .K CHAKRAVARTTY
POLICY HOLDER POLICY NO[protected]

From
Vasuki. K.
16, Vishalakshi Colony
Gokulam Colony Extension
Kovaipudur
Coimbatore - 641 042.
To
The Branch Manager
L.I.C. of India
North Coimbatore Branch
Bhagyalakshmi Complex
108, 109, N.S.R. Road
Saibabacolony
Coimbatore - 641 011.
Sir,
Sub: 1. Claim on My Policy Bond Misplaced.
2. Scrutinise My Policy was Surrendered by Somebody.
3. Otherwise Permit me to proceed Legally.
Ref : My Policy No:[protected], DOC :15.11.90.

With due respect, I wish to bring the following to your kind notice
regarding the captioned subjects.

I had opened the LIC Policy No: [protected], DOC :15.11.90, the
sum assured for Rs.10,000/- at your branch. Since from the date of open-
ing the premium was paid as Quarterly and from 4.12.95 to 1997 it was
changed to yearly premium. Please refer the copy of your Postcard SL
No : 002593, Post Office dt: 28.10.98, being the reminder of My yearly
premium due date on 15.11.98.

After 1997, I have not been paid the yearly premium to till the
last due date. My foresaid Policy Last due Payment on : 15.11.2009 and
date of Maturity will be 15.11.2010.

During November’2009, I came to your branch for informing the
Reason / default of Non - payment of yearly premium from 1998 to last
due date and looking the Maturity Amount after adjusting the penalty &
any other charges on my policy before the date of maturiy on 15.11.2010.

But I was utterly perplexed that when your officials were informed
Me that my aforesaid policy was already Surrendered and the surrender
Value for Rs.6,189/- , by means of cheque No;17366 dt:02.11.2005, it was
sent to my Prior Address.

Actually I have never surrendered my said policy to yourend. If I
have had surrendered,what was the need to come & inform the reason for
non-payment of premium and seek the maturity amount during 2009 at
your branch, after adjusting the penalty and any other charges on my
policy before the date of maturiy on 15.11.2010 ?.

Since 1998 and after My marriage, I was dwelling at P.N. Pudur,
Cbe, up to April 2003. And after that from May 2003, I was shifted my
house to Farooq Nagar, Kovaipudur,Cbe on rent. During Nov / Dec’ 2004,
again, I have shifted my residence to my brother’s own house with my
parents at the aforementioned address.

Please note my prior address as per your records as ;-

9 / 33, Karuppannan Road,
Chokkampudur,
Telungupalayam, P.O.
Coimbatore - 39

But from Nov / Dec’2004, residing at the following my brother’s
House / Present Address as :

16, VISHALAKSHI COLONY,
GOKULAM COLONY EXTENSION
KOVAIPUDUR
COIMBATORE - 641 042.

Please note the following before bestowed your duty ;-

1. How did I know and have received your surrender value cheque for Rs.6,189/- from Kovaipudur to Chokkampudur address on or after 02.11.05
of the cheque date ?.

2.Who had signed and received the said RPAD letter with your surrender value cheque instead of me ?.

3. Why did your staffs were not bestowed / refused to findout the records / Surrender application and the date of surrender value cheque was realized or
not as on that date from your records?.

4. How did your staff says on display of computer that my policy was
Surrendered and no need to proceed further, instruct to verify my Bank S.B.
passbook, instead of your records verification of said surrender cheque realiza-
tion?.

5. Where was that the Acknowledgement Card of Your said RPAD on
or after 02.11.05 which was addressed to my prior address?.

6. Afterwards only to confirm that the delivery records / slip, who had
Signed and received your said RPAD Letter, from The Postmaster of Telun-
gupalayam, Post Office, Cbe – 39.

Kindly do the needful at the earliest.

I trust, that you will not give room for legal proceeding against
the non-performance of duty of your staff on the captioned subjects. If
not, please give permission to proceed legally, let the Hon’ble Court will
decide.


Thanking You, Yours faithfully




Place : Coimbatore ( VASUKI. K. )

Date : 03.04.2010.

Copy to :

1. Divisional Office, LIC, Trichy Road, Coimbatore - 18
Email ID :mm.[protected]@licindia.com

2. Divisional Office, LIC, Anna Salai, Chennai - 600 001.
D.O. I Email ID : mm.[protected]@licindia.com
D.O.II : mm.[protected]@licindia.com

I HAVE NOT RECEIVED THE AMOUNT OF RS.10000.OO AGAINST MY SURVIVAL BENEFIT OF POLICYNO.[protected] .

Sir,

Policy Nos.[protected] &[protected]LIC)

I was started my LIC Policy in Cuddalore and after a while I shifted to Chennai and address also changed accordingly.

Finally I request them to change the address to Ooty and went to abroad for my Job. After two years, when I enquired about the policy they told me for a medical check up.(Money back no problem-risk always risk).So I went to Egmore branch and consult a authorised doctor there.They told since your policy is in Chennai - you should go there and finish your medical.

Is any idea to finish my medical without a visit to Ooty.

Since I was newly joined in a company- It is very difficult to get a single day leave(Private Organisation).

Kindly advise me to solve this problem.

DAVID DHAVARAJ
CHENNAI

My survival benefit cheque for moneback policy number[protected] was sent to my earlier address. That cheque (No.052927) expired. I sent my new address to SSS Division, Mumbai on 10-9-09 through my insurance agent Sneha Manjrekar alongwith original policy and my authority letter to collect new cheque. That division accepted the documents, gave acknowledgement and sent new cheque (no.52927) again to my old address.
I have still not receieved it and my agent's calls to the division have proved fruitless.

Dear Sir

Please note that I am working with ACNielsen ORG MARG Pvt Limited and posted at LUCKNOW.I applied for land loan at the below mentioned address but denied by saying that our company is not registered with LIC housing Finance-



Central Region
Mr. J.P.Tripathi
Area Manager
LIC Housing Finance Limited
A - 1, Shah Najaf Road,
Hazarat Ganj,
LUCKNOW - 226 001.
Email: [protected]@sify.com



Web site of my company is-http://nielsen.com

www.in.cielsen.com
My question is loan is given to person or company ?

Let me be brief of the Mod-us Operandi of LIC HFL & Vinod.
1. sweet talks to pickup your case
2. Collects incomplete papers
3. Commits the day when sanction would happen. (do not believe him as he will definitely fail you & you will suffer a financial loss)
4. As he is careless he will bring up requirements at the last moment ( well after the committed time) that are raised by the bank, leaving you running to arrange the documents.
5. Finally the case is sanctioned ... hope your deal with the seller is still on.
6. The seller / builder starts charging you huge interest. so u run to collect the disbursement documents.
7. Collects your original property documents for disbursement. (beware he might lose it causing you irreparable financial & reputation damage) pls get it acknowledged what original docs ur submitting to him, also will collect 2 cheque from you which is a correct requirement, is bound to lose at least 1 of the cheque. Check this complaint http://www.consumercomplaints.in/complaints/lic-housing-finance-c264158.html
8. Will call be additional docs at least 3/4 times (why cant he be a little more organized & tell the docs needed in one go)
9. then your file goes to LIC back office in fort .. majority of corrupted people TOP - DOWN , who do not want the system to improve
10. if luck is on your side the file may get checked earlier.
11. If Vinod remember of your file maybe after 4/5 days. he might give u final queries. ( till then keep paying huge interest.
12. Try complaining to the Area Manager.. things might move if this person is organized .. (but it seems difficult)
13. Pls keep checking with Vinod if he has not lost any original docs & cheques.
14. If everything is OK. You might get ur disb. cheque appx 10 days after the committed date. -- Normal time.
Problems with LICHFL
1. Understaffed
2. Still manual movement of the file. Use of computer to the minimum.
3. Absolutely unorganized.
4. internal corruption & bais by certain managers in power.

Problems with Vinod
1. Lair
2. Unorganized scatterbrain, irresponsible, careless & negligent.
3. DOSE NOT PICK UP THE CALLS, IF HE DOSE BE SURE MOST OF THE TIME IT WILL BE
MISLEADING.

AVOID LIC