Paying LIC Premiums and Renewing Your Policy From Abroad
How NRIs typically pay premiums, stay ahead of renewal dates, and what to do if a due date is approaching.
- NRE/NRO & digital payment options
- Grace period if a due date is missed
- Help tracking upcoming renewals
Keeping Your Policy in Good Standing From Abroad
Paying premiums on time keeps your LIC policy active and your cover intact. For NRIs, the main challenge is usually less about the payment itself and more about staying aware of due dates across time zones, and knowing which payment channel to use from your country of residence. This page covers the general process — for anything specific to your policy, share your policy number and we can check the details with you.
How NRIs Typically Pay Premiums
NRE/NRO Bank Transfer
Pay via your NRE or NRO account through supported banking channels.
Digital Payment Options
Where supported, pay online using digital channels linked to your policy.
Through a Representative in India
Some NRIs authorise a family member or representative to pay on their behalf.
Availability of any specific channel can depend on your bank, country of residence and policy — we'll confirm what's currently supported for your case.
What to Do if a Due Date Has Passed
Most policies allow a grace period after the due date before the policy lapses, though the exact window depends on your payment frequency and LIC's applicable rules. If you're past the due date, reach out to us as soon as possible — the sooner it's addressed, the more straightforward the process usually is. If the policy has already lapsed, our policy revival guidance explains what's generally involved in reinstating it.
Get Help With Premium Payment or Renewal
Share your policy details and we'll help you sort out payment or renewal from wherever you are.
FAQs — Premium Payment & Renewal for NRIs
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, country and policy — we can guide you on the option that suits you.
Most LIC policies allow a grace period after the due date, though the exact duration depends on your premium payment frequency and the applicable rules at the time. If a payment is missed beyond the applicable window, the policy can lapse, in which case revival may be possible — see our revival guidance for more on that process.
Depending on the payment channel and your bank, some form of standing instruction or auto-debit may be available. We can help you understand what's supported for your specific policy and payment method.
LIC typically sends renewal reminders through its own channels, but keeping your contact details updated is important so these reach you while you're abroad. We can also help you keep track and flag upcoming due dates as part of our servicing support.
Don't Let Your Policy Lapse Over a Missed Reminder
Get free, no-obligation help with premium payment and renewal from abroad.