Aadhaar is a unique 12-digit identification number issued by the Unique Identification Authority of India (UIDAI) on behalf of the Government of India, serving as a valid proof of identity and address across India. It is imperative to link your Aadhaar card with your LIC policy due to regulatory requirements set forth by the Indian government. Failing to link your Aadhaar with your LIC policy can result in the deactivation of your policy, potentially depriving you of policy benefits and coverage. Additionally, this linkage facilitates smoother premium payments through Aadhaar-based authentication, enhancing convenience and security. READ ALSO, HOW TO LINK AADHAAR TO NPS ACCOUNT.

Furthermore, it ensures accurate KYC verification, a critical component for claims processing and policy-related transactions. It also enables you to fully avail tax benefits associated with life insurance premiums and ensures you receive important policy updates and notifications. Ultimately, linking your Aadhaar card to your LIC policy serves to enhance policyholder security, reduce fraud, and ensure that policy benefits are directed to the rightful beneficiaries.

HOW TO LINK AADHAAR WITH LIC POLICY ONLINE:

1: Prepare the Required Documents: Before you begin, make sure you have the following documents and information ready:

• Your LIC policy number
• Your Aadhaar card number
• Your PAN (Permanent Account Number) card (if required for verification)

2: Visit the LIC Official Website: Go to the official website of LIC www.licindia.in which is commonly used.

3: Locate the Aadhaar Linking Option: Look for an option like “Link Aadhaar” or “Aadhaar Seeding” on the LIC website’s homepage or under the “Online Services” section. Click on it.

4: Enter Your Policy Details: You will be prompted to enter your LIC policy number, your date of birth, and your Aadhaar card number. Ensure that the information you provide matches the details on your policy and Aadhaar card.

5: Verify PAN (if required): If prompted, verify your PAN card details. Some policies may require PAN verification for linking with Aadhaar. Enter your PAN card number and date of birth as per your PAN card.

6: Generate OTP: An OTP (One-Time Password) will be sent to your registered mobile number linked with your Aadhaar. Enter this OTP on the LIC website to verify your identity.

7: Confirm Aadhaar Linkage: After successfully verifying the OTP, you will receive a confirmation message that links your Aadhaar with your LIC policy.

8: Check Policy Status (Optional): You can check the status of your Aadhaar-LIC policy linkage by using the provided reference number or by logging into your LIC account on the website.

9: Download Acknowledgment: It’s advisable to download and save the acknowledgment or confirmation receipt for your records.

HOW TO LINK AADHAAR WITH LIC POLICY OFFLINE:

1. Visit the Nearest LIC Branch: Locate the nearest LIC branch office or LIC Customer Zone. You can find the address and contact details of your nearest LIC branch on the official LIC website or by calling LIC’s customer service helpline.

2. Carry Required Documents: Before visiting the LIC branch, ensure that you have the following documents and information with you:

• Your LIC policy bond or document.
• Original and photocopy of your Aadhaar card.
• A self-attested copy of your Aadhaar card.
• A duly filled Aadhaar linking form (you can usually get this form at the LIC branch, or you may download it from the LIC website and fill it in advance).
• Any other documents specified by LIC for the linkage process.

3. Visit the LIC Branch: Go to the LIC branch during its working hours. Explain to the LIC representative that you want to link your Aadhaar with your LIC policy.

4. Submit Documents: Submit the required documents, including your Aadhaar card, photocopies, self-attested copies, and the filled Aadhaar linking form to the LIC representative.

5. Verification: The LIC representative may verify your documents and information provided in the form. They may also ask for additional documents if required.

6. Acknowledgment: Once the verification is complete, you should receive an acknowledgment of receipt as proof that you’ve submitted your Aadhaar linking request.

7. Follow-Up: Keep the acknowledgement safe for future reference. The Aadhaar-LIC policy linking process may take some time to complete. You can periodically check the status of your Aadhaar linking request through the LIC website or by contacting LIC customer support.

HOW TO CHECK IF AADHAAR IS LINKED TO LIC POLICY:

1. Visit the LIC Official Website: Go to the official website of LIC www.licindia.in which is commonly used.

2. Login to Your LIC Account: Log in to your LIC online account using your username and password. If you haven’t registered for an online account, you may need to do so first.

3. Navigate to the ‘Policy Status’ Section: Once logged in, navigate to the “Policy Status” or “Policy Details” section. The exact wording may differ slightly depending on the website’s design.

4. View Policy Details: In the “Policy Status” or “Policy Details” section, you will typically find a list of your LIC policies. Look for the specific policy for which you want to check the Aadhaar linkage.

5. Check for Aadhaar Linkage: Next to each policy, there may be a column or option indicating the Aadhaar linkage status. It might be labeled as “Aadhaar Linked” or “Aadhaar Seeded.” If your Aadhaar is linked to the policy, it should reflect as “Linked” or “Seeded.”

6. Contact LIC Customer Support (Optional): If you are unable to find the Aadhaar linkage status online or have any doubts, you can contact LIC customer support. They will assist you in verifying whether your Aadhaar is linked to your policy.

BENEFITS OF LINKING AADHAAR WITH LIC POLICY:

1. Compliance with Regulations: The Government of India has made it mandatory to link Aadhaar with various financial services, including insurance policies, to comply with Know Your Customer (KYC) norms. Linking ensures that your LIC policy adheres to these regulations.

2. Prevention of Policy Deactivation: Failure to link Aadhaar with your LIC policy can lead to policy deactivation, resulting in the loss of coverage, maturity benefits, and other policy advantages.

3. Streamlined Premium Payments: Once you link your Aadhaar, you can utilize Aadhaar-based authentication for online premium payments, making it easier and more secure to pay your premiums.

4. Facilitates KYC Verification: Aadhaar linkage assists LIC in verifying your identity, which is crucial for processing claims, policy transactions, and ensuring the security and authenticity of your policy.

5. Tax Benefits: Linking Aadhaar with your LIC policy helps ensure that you receive tax benefits under Sections 80C and 10(10D) of the Income Tax Act. Accurate KYC details are essential for claiming these benefits.

6. Timely Updates: By linking your Aadhaar, you will receive timely updates and notifications regarding your LIC policy, including maturity benefits, premium due dates, and other important information.

7. Reduced Fraud: Verifying policyholders’ identities through Aadhaar linkage helps prevent fraudulent activities, ensuring that policy benefits go to the rightful beneficiaries.

8. Convenient Transactions: Linking Aadhaar with LIC enables you to make policy-related transactions more conveniently, such as policy loans, withdrawals, or policy modifications.

9. Improved Security: Aadhaar linkage enhances the overall security of your LIC policy by ensuring that only authorized individuals can access and make changes to your policy details.

10. Efficient Claims Processing: In the event of a claim, linking your Aadhaar to your LIC policy can expedite the claims settlement process, reducing delays and ensuring a smoother experience for you and your beneficiaries.

FAQS ON LINKING AADHAAR WITH LIC POLICY:

1. Is it mandatory to link Aadhaar with LIC policies?

A. No, linking Aadhaar with LIC policies is no longer mandatory, and this facility has been discontinued until further notice.

2. What if I am not a registered user on the LIC website?

A. You will need to register on the LIC website before you can link your Aadhaar with your LIC policy online.

3. What documents do I need to link Aadhaar with LIC policies offline?

A. You will need your Aadhaar card, PAN card or Form 60 and all your LIC policy documents.

4. Can I link multiple LIC policies with a single Aadhaar number?

A. Yes, you can link multiple LIC policies with the same Aadhaar number.

7. What happens after I submit the Aadhaar linking request offline?

A. After submitting the request the form and documents will be verified. Once verification is successful, your Aadhaar will be linked to your LIC policies, and you will receive a confirmation message.

8. Is it necessary to provide my mobile number linked to Aadhaar for linking?

A. Yes, as you will receive an OTP for verification during the online linking process.

9. What if I don’t have a PAN card?

A.You can still link your LIC policies with Aadhaar by submitting Form 60 along with the required documents.

10. How can I check the status of my Aadhaar-LIC policy linking request?

A. You can request through the LIC website or by contacting LIC customer support.