LIC Policy Revival in 2026: How to Bring a Lapsed Policy Back to Life
Check policy status on the LIC portal; calculate outstanding premium plus interest; gather documents; submit online or at branch; pay the revival amount; keep the confirmation letter safe.
Pitfalls that stall revivals
Waiting past the 5-year window, ignoring medical requirements on longer lapses, and losing the revival confirmation letter are the top three mistakes. The confirmation letter is your proof the policy is back in force.
The 5-year revival window
LIC permits revival within 5 consecutive years from the first unpaid premium (FUPR). Beyond that, revival is impossible and only surrender remains. Policies lapsed 0-6 months usually qualify for simple revival with no medical examination.
An IRDAI-certified advisor can calculate your dues, collect documents, and follow up with LIC end-to-end. See the LIC policy revival service at Insurance Support for free guidance.