“How to Claim LIC Maturity Benefit?

How to Claim LIC Insurance Maturity Benefit? – Complete Step-by-Step Guide 

LIC (Life Insurance Corporation of India) par log saalon se bharosa karte aa rahe hain. Zyadaatar policyholders LIC policy isliye lete hain taaki future me ek lump sum amount mile, chahe wo retirement ho, child education ho ya koi important financial goal.

Lekin jab policy maturity ka time aata hai, tab ek common confusion hota hai:

👉 “LIC insurance maturity benefit kaise claim karein?”
👉 “Kaun-kaun se documents chahiye?”
👉 “Paisa kab aur kaise milega?”

Is blog me hum LIC maturity claim process ko step by step, bilkul simple Hinglish language me samjhenge, taaki aapka claim smooth, fast aur tension-free ho.

LIC Maturity Benefit Kya Hota Hai?

LIC maturity benefit wo amount hoti hai jo policy term complete hone par policyholder ko milti hai, agar policyholder policy period ke dauraan alive hota hai.

Normally, maturity benefits me shamil hota hai:
✔ Sum Assured
✔ Bonus (Simple / Final Additional Bonus)
✔ Loyalty Additions (if applicable)

👉 Ye benefit Endowment Plan, Money Back Plan, Whole Life Plan me milta hai.
❌ Term Insurance me maturity benefit nahi hota.

LIC Maturity Claim Kab Pay Kiya Jaata Hai?

✔ Policy term complete hone par
✔ Policy in-force honi chahiye (lapse nahi honi chahiye)
✔ Last premium paid hona chahiye

👉 LIC aam taur par maturity date ke aas-paas hi claim process start kar deti hai.

Good News: LIC Maturity Claim Mostly Automatic Hota Hai

Bahut kam log jaante hain ki:

LIC maturity claim zyadaatar cases me automatic hota hai.

✔ LIC maturity se pehle aapko intimation letter / SMS bhejti hai
✔ Aapse kuch basic documents maange jaate hain
✔ Verification ke baad paisa direct bank account me credit ho jaata hai

LIC Insurance Maturity Benefit Claim – Step-by-Step Process

Step 1: Maturity Intimation Letter Check Karein

✔ LIC policy maturity se ~2–3 mahine pehle
✔ Policyholder ke registered address / mobile par
✔ Intimation bhejti hai

Isme mention hota hai:

• Policy number

• Maturity date

• Expected maturity amount

• Required documents list

👉 Agar letter nahi mila ho, to bhi aap claim kar sakte hain.

Step 2: Required Documents Ready Rakhein

📄 LIC Maturity Claim ke Liye Documents:
✔ Original policy bond
✔ Identity proof (Aadhaar / PAN)
✔ Address proof
✔ Cancelled cheque / bank passbook copy
✔ NEFT mandate form
✔ Age proof (if required)
✔ Policy discharge form (signed)

👉 Documents policy type ke hisaab se thode change ho sakte hain.

Step 3: Bank Details Update & Verification

✔ Bank account policyholder ke naam par hona chahiye
✔ IFSC, account number correct hona chahiye
✔ Aadhaar–PAN linking helpful hoti hai

📌 Galat bank details hone par maturity payment delay ho sakta hai.

Step 4: LIC Branch Me Documents Submit Karein

✔ Nearest servicing LIC branch me visit karein
✔ Documents counter par submit karein
✔ Acknowledgement receipt lein

👉 Agar policy kisi agent ke through li thi, to agent aapki madad kar sakta hai.

Step 5: Verification & Processing by LIC

LIC:
✔ Documents verify karti hai
✔ Policy status check karti hai
✔ Bonus & maturity amount calculate karti hai

➡ Sab clear hone par payment approve ho jaata hai.

Step 6: Maturity Amount Credit

✔ Amount direct bank account me NEFT / ECS ke through
✔ Usually 3–10 working days ke andar

📌 Koi cheque issue nahi hota (mostly digital payment).

LIC Maturity Claim Online Kaise Karein?

LIC ne digital process kaafi improve kar diya hai.

✔ LIC customer portal par login
✔ Policy details check
✔ Bank details update
✔ Claim status track

👉 Lekin documents submission ke liye branch visit zaroori hota hai (most cases me).

Policy Bond Lost Ho Gaya To Kya Karein?

Agar original policy bond kho gaya ho:

✔ LIC branch me application
✔ Indemnity bond submit
✔ Newspaper advertisement (if required)
✔ Duplicate policy bond issue hota hai

👉 Is process me thoda time lag sakta hai, isliye early action lein.

LIC Maturity Claim Me Tax Lagta Hai Kya?

Good News 😊

✔ Most LIC maturity claims Section 10(10D) ke under tax-free hote hain, agar:

• Premium sum assured ke 10% se zyada na ho

• Policy 1 April 2012 ke baad issued ho

✔ Death claim hamesha tax-free hota hai

📌 Kuch high-premium cases me tax apply ho sakta hai—expert se confirm karein.

Common Problems Jo LIC Maturity Claim Me Aati Hain

❌ Bank details mismatch
❌ Policy lapse ho jana
❌ Original bond missing
❌ KYC incomplete
❌ Name / signature mismatch

👉 In sab problems ko advance me check karke avoid kiya ja sakta hai.

LIC Maturity Claim Me Agent / Advisor Ka Role

✔ Documents checklist
✔ Branch coordination
✔ Follow-up with LIC
✔ Delay ya issue solve karwana

👉 Trusted advisor hone se claim fast aur smooth ho jaata hai.

Maturity Amount Milne Ke Baad Kya Karein?

Bahut log maturity amount milte hi:
❌ Paisa kahin bhi invest kar dete hain
❌ Ya sirf FD me daal dete hain

Better option:
✔ Financial goals define karein
✔ Tax-efficient investment plan banayein
✔ Next insurance planning karein (Term + Health)

Important Tip: LIC Maturity Date Se Pehle Ye Zaroor Karein

✔ KYC update
✔ Bank details verify
✔ Contact details update
✔ Policy status check

👉 Isse maturity claim me zero delay hota hai.

Final Words: LIC Maturity Claim Simple Hai, Agar Process Samjho

LIC maturity benefit aapke saalon ke discipline aur patience ka reward hota hai.

Agar documents sahi hain aur policy active hai, to:
✔ Claim process easy hota hai
✔ Paisa time par milta hai
✔ Koi unnecessary tension nahi hoti

CTA – LIC Maturity Claim Support & Guidance

Agar aap:
✔ LIC maturity claim process samajhna chahte ho
✔ Documents ko lekar confusion hai
✔ Claim me delay ya issue face kar rahe ho
✔ Maturity amount ka best use plan karna chahte ho

📞 Call / WhatsApp: 9828418672
📧 Email: ajay96890@gmail.com

Main aapko step-by-step, honest aur practical guidance dunga—taaki aapka LIC maturity claim fast aur tension-free ho.