How an NRI Can Buy an LIC Policy: Step by Step
From choosing a plan to completing documentation and paying your first premium — how the process generally works for NRIs.
Who Can Generally Apply
NRIs, OCI holders and, in many cases, Indian citizens working overseas can generally be considered for LIC policies, subject to LIC's applicable eligibility rules, KYC requirements and the specific plan's conditions. Eligibility can vary by your exact status (NRI, OCI or PIO), age, country of residence, occupation and the plan you're interested in — see our LIC for NRI guide for more on how these statuses differ. Rather than assume eligibility from a webpage, we recommend confirming your specific case with us before proceeding.
Step-by-Step: How the Process Works
Share Your Requirement
Tell us your goal, age, country of residence and rough budget.
Get a Suitable Plan Suggestion
We suggest a plan category and explain relevant options in plain language.
Review the Benefit Illustration
See the current numbers directly, rather than relying on estimates.
Complete the Proposal Form
We help you fill in the proposal accurately, remotely wherever possible.
Complete Medical Requirements, If Any
Some proposals may need a medical exam, sometimes arranged in your country.
Submit Documentation
Passport, address proof, PAN, income proof and other requested documents.
Pay Your First Premium
Via NRE/NRO banking channels or supported digital payment options.
Receive Your Policy
Once issued, we remain available for any servicing needs going forward.
Documents an NRI May Need
Exact documentation depends on the plan, your age, sum assured, country of residence and LIC's underwriting rules at the time of application. As a general starting point, commonly requested documents include:
- Passport
- Visa or residence permit
- Overseas address proof
- PAN card
- Recent photographs
- Income proof
- Medical reports, where required
- Banking details for premium payment
We'll confirm the exact checklist for your case once we understand the plan you're applying for.
How Premium Payment Generally Works
NRIs typically have more than one way to pay premiums from overseas, including digital payment options and NRE/NRO banking channels supported by LIC. The exact modes available can depend on your bank and country of residence — we can guide you on the options that apply to you once your policy details are known.
Ready to Start? Tell Us Your Requirement
Share a few details and we'll guide you through the buying process from wherever you're based.
FAQs — Buying an LIC Policy as an NRI
In many cases, a large part of the process — plan selection, 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.
Usually, it's sharing your basic details — your goal, age and country of residence — so we can suggest a suitable plan category. From there, we explain relevant options, help with documentation, and guide you through payment and completion.
Timelines vary depending on the plan, whether a medical examination is required, and how quickly documentation is completed. We can give you a clearer estimate once we understand which plan you're considering and your specific circumstances.
Premiums are typically paid through NRE/NRO banking channels or supported digital payment options; the exact requirement depends on the payment method you choose and the plan. We can guide you through the options available to you.
You'll receive your policy document, and from then on we remain a point of contact for servicing — premium reminders, renewal, updating your nominee or contact details, and any questions that come up. See our policy servicing guidance for more detail.
Start Your LIC Application From Wherever You Live
Get a free, no-obligation consultation and step-by-step help with your application.