Anantha NayakiAuthorised LIC Agent
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Complaints and grievances

[DRAFT: needs a legal read before launch.] If something has gone wrong, here is where to take it, in the usual order. [LAST CHECKED: date, set when it is published; contact details can change.] This is an agent's website, not LIC's. The LIC, IRDAI and Ombudsman details below are theirs, not hers.

1. Tell Anantha Nayaki first

If your concern is about this site or about how she has dealt with you, write to her or call. For a problem with LIC's service or a claim, she can help you take it to LIC.

[CONFIRM BEFORE LAUNCH: how she records and answers complaints, and within how many days.]

2. LIC of India

You can complain to LIC by email, by phone, on WhatsApp or through the LIC customer portal. LIC acknowledges a complaint straight away and should give its final reply within 14 days. The phone help line runs 24 hours a day.

  • Grievance Redressal Officers sit at branch (Senior or Branch Manager), division (Manager, CRM), zone (Regional Manager, CRM) and central (Executive Director, CRM) level.
  • Officers meet customers without an appointment on Mondays from 2:30 to 4:30 pm, except holidays, and on other days by appointment.

3. IRDAI Bima Bharosa

If you are not satisfied with LIC's reply, or get no reply, you can complain to IRDAI through its Bima Bharosa portal. The portal says complaints are attended to within 14 days and that it never asks you for payment.

Phone
155255

4. The Insurance Ombudsman

  • It is free of charge.
  • You must have complained to LIC first.
  • You can go if LIC has not replied within one month, or you are not satisfied with its reply.
  • File within one year of LIC's rejection, or within one year from one month after your complaint if there was no reply.
  • You can seek compensation of up to ₹50 lakh.

The Ombudsman handles complaints against insurers and against agents, including claim delays and rejections, premium disputes and misrepresentation.

Review of a rejected death claim

A rejected death claim can also be reviewed by LIC's Claims Dispute Redressal Committee at the zonal or central office, which includes a retired District or High Court judge.