LIC Insurance Solutions for NRIs

Yes. Non-Resident Indians can buy LIC policies in India, subject to LIC's applicable NRI underwriting norms, KYC requirements and the specific plan's eligibility conditions. The exact requirements can vary by plan, age, sum assured and country of residence, so it's best to confirm your specific case with an advisor before applying.

In many cases, a large part of the process — from plan selection to paperwork and payment — can be handled remotely over call, WhatsApp or video consultation. Whether an in-person visit or additional verification is needed depends on the plan and LIC's underwriting requirements for your specific application.

NRIs can generally be considered for a range of LIC plans, including life insurance, term insurance, savings and money-back plans, pension/retirement plans and child plans, subject to eligibility. Availability and terms can differ based on your age, country of residence and the specific plan, so it helps to check current eligibility before choosing one.

OCI (Overseas Citizen of India) holders are generally evaluated in a manner similar to NRIs for LIC purposes, subject to LIC's applicable rules for the specific plan. We can confirm what applies for your particular situation.

Not always. Many NRIs complete the initial discussion, plan comparison and documentation remotely. Depending on the plan, sum assured and underwriting requirements, LIC may request additional verification, which we will clearly explain if it applies to you.

NRIs typically have more than one way to pay premiums from overseas, including digital and NRE/NRO banking channel options supported by LIC. The exact modes available can depend on your bank and country, and we can guide you on the options that apply to you.

Commonly requested documents include a passport, visa or residence permit, overseas address proof, PAN, photographs, income proof and banking details, with medical reports sometimes required depending on the plan and sum assured. The exact checklist depends on the policy and LIC's underwriting requirements, which we will confirm for your case.

This depends on the plan, the sum assured, your age and LIC's underwriting guidelines at the time of application. Some proposals may need a medical examination while others may not — we'll let you know what applies before you proceed.

Yes, subject to eligibility, NRIs can generally be considered for LIC's pension and annuity plans as part of planning a retirement income connected to India. We can walk you through the available options and how they may fit your retirement goals.

Maturity and other policy payouts are generally credited through banking channels as per LIC's applicable process and prevailing regulations at the time of payout. Tax treatment can depend on the policy, applicable Indian tax laws and your country of tax residence — please consult a qualified tax professional for personalised advice.

Yes. We assist NRIs with guidance on premium payment, renewals, nominee and address updates, revival of lapsed policies, and claim-related queries. We help coordinate and guide the process; final servicing and approvals are carried out by LIC as per its official rules.

Share your basic details — your country of residence, age and what you're looking for — using the form on this page, or reach out over WhatsApp or a call. We'll get back to you with guidance suited to your situation.