{"id":3327,"date":"2026-01-09T15:30:00","date_gmt":"2026-01-09T10:00:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=3327"},"modified":"2026-01-09T14:40:21","modified_gmt":"2026-01-09T09:10:21","slug":"lic-life-insurance-heres-how-you-can-save-30-on-late-fees-for-your-lapsed-insurance-premium","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/lic-life-insurance-heres-how-you-can-save-30-on-late-fees-for-your-lapsed-insurance-premium\/","title":{"rendered":"LIC Life Insurance: Here\u2019s How You Can Save 30% on Late Fees for Your Lapsed Insurance Premium"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong><em> LIC has launched a Special Revival Campaign offering up to 30% concession on late fees for reviving eligible lapsed non-linked insurance policies. The initiative helps policyholders restore their insurance cover within five years of the first unpaid premium, ensuring continued financial protection for their families.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>LIC is conducting a special revival campaign at which policyholders can revive lapsed life insurance policies between January 1, 2026, and March 2, 2026, with the late fees being concessed.&nbsp; The program is aimed at benefiting the customers with payment difficulties to resume coverage to support family financial security without a fresh start.&nbsp; It highlights the concern that LIC has towards the welfare of policyholders despite the economic challenges.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-78047117\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-campaign-details\"><strong>Campaign Details<\/strong><\/h4>\n\n\n\n<p>The campaign by LIC allows the revival of lapsed individual policies within five years after the initial premium is not paid, and the policy terms are mandated.\u00a0 Acceptable policies are in lapse throughout the period of premium payment but are not subject to the full period. Policyholders have until March 2, 2026, to make a gain.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-revival-benefits\"><strong>Revival Benefits<\/strong><\/h4>\n\n\n\n<p>The policies that are being maintained will provide a complete insurance cover as LIC emphasizes. Reviving reinstatements original covers, protecting families against uncertainty. Lapsed policies become worthless hence, this is a good opportunity in time.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3367897853\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-fee-concessions\"><strong>Fee Concessions<\/strong><\/h4>\n\n\n\n<p>LIC will provide a 30% discount on the late charges on non-linked plans, but limited to \u20b95,000.&nbsp; Dues amounting to \u20b91 lakh or less will receive up to \u20b93,000, between \u20b91,00, 001 and \u20b93 lakh will receive up to \u20b94,000 and dues above \u20b93 lakh will receive up to \u20b95,000.&nbsp; Micro insurance plans are fully waivered.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1431022556\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total Receivable premium<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>% late fee concession<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Maximum Concession allowed<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Upto to Rs.1,00,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">30%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rs. 3000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">From 1,00,001 to 3,00,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">30%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rs. 4000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">From 3,00,001 and above&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">30%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rs. 5000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Micro Insurance Plans<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Full<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/rising-medical-bills-in-india-why-health-insurance-is-no-longer-optional\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rising Medical Bills in India: Why Health Insurance Is No Longer Optional<\/a><\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-revival-steps\"><strong>Revival Steps<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check eligibility:<\/strong> Ascertain that the policy has expired within the terms of paying premiums and has not expired, it is within five years of the initial non-paying premium.<\/li>\n\n\n\n<li><strong>Make and remit dues:<\/strong> Determine the balance of premiums with interest (campaign concessions up to \u20b95000 or 100 percent on micro plans); make payments through online portal, branch or app<\/li>\n\n\n\n<li><strong>Full health declaration:<\/strong> File Form 680 or medical documents when it is necessary (no compromises when it comes to health checks).<\/li>\n\n\n\n<li><strong>Revise application:<\/strong> Fill and submit application (online or offline at licindia.in) with policy information and reason of lapse.<\/li>\n\n\n\n<li><strong>Wait to be approved:<\/strong> LIC checks and reinstates revival, resumes full coverage.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-policyholder-guidance\"><strong>Policyholder Guidance<\/strong><\/h4>\n\n\n\n<p>Revival to benefit without new policies go through their official website which is <a href=\"http:\/\/licindia.in\">licindia.in<\/a>,or visit branches or talk to agents.&nbsp; This campaign facilitates recovery in the face of economic demands.<\/p>\n\n\n\n<p>This should serve as a window that policyholders can use to revive policies to have a continuous cover and make the most out of their investments. So what are you waiting for, save 30% on your late fees for your lapsed insurance premium.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3124820285\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written By Jayanth R Pai<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: LIC has launched a Special Revival Campaign offering up to 30% concession on late fees for reviving eligible lapsed non-linked insurance policies. The initiative helps policyholders restore their insurance cover within five years of the first unpaid premium, ensuring continued financial protection for their families. LIC is conducting a special revival campaign at which [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3331,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[811,14],"tags":[1382,1388,1384,1385,1381,1386,1387,1383,1389],"ppma_author":[1013],"class_list":["post-3327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-trending","tag-lic-insurance","tag-lic-life-insurance","tag-lic-login","tag-lic-of-india","tag-lic-online-payment","tag-lic-policy-details","tag-lic-policy-status","tag-lic-premium-payment","tag-life-insurance-policy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>LIC Life Insurance: Here\u2019s How You Can Save 30% on Late Fees for Your Lapsed Insurance Premium<\/title>\n<meta name=\"description\" content=\"LIC has launched a Special Revival Campaign offering up to 30% concession on late fees for reviving eligible lapsed non-linked insurance policies. The initiative helps policyholders restore their insurance cover within five years of the first unpaid premium, ensuring continued financial protection for their families.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tradebrains.in\/money\/lic-life-insurance-heres-how-you-can-save-30-on-late-fees-for-your-lapsed-insurance-premium\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LIC Life Insurance: Here\u2019s How You Can Save 30% on Late Fees for Your Lapsed Insurance Premium\" \/>\n<meta property=\"og:description\" content=\"LIC has launched a Special Revival Campaign offering up to 30% concession on late fees for reviving eligible lapsed non-linked insurance policies. 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