Qrates

ACKO vs LIC Digital: App permissions, complaints and IRDAI rules in 2026

ACKO offers a smooth app experience but asks to read your text messages and contacts. LIC Digital asks for minimal phone data and holds a verified IRDAI registration, but users frequently report app crashes. Compare their licences, phone permissions and real user complaints.

By Qrates research desk · 2026-10-27

ACKO offers a highly rated interface but asks for extensive phone permissions and faces user complaints about claim trouble. LIC Digital asks for minimal phone data and holds a verified IRDAI registration, but users frequently report app crashes and login failures. The choice depends on whether you prioritize a smooth app experience with active developer replies or a state-backed insurer with fewer data requests. For a broader look at how these compare, you can read our ACKO vs LIC Digital vs My LIC: insurance apps compared guide.

At a glance: ACKO and LIC Digital compared

You can compare the basic facts of both insurance apps below. All figures come from the Qrates directory.

Feature ACKO LIC Digital
Publisher Acko Technology & Services Private Limited Life Insurance Corporation of India
Licence We could not match one on the registers we check Insurance Registration 512
Recent 90-day review average 3.21 2.11
Replies to 1-star and 2-star reviews 100 percent 2 percent
Days since last app update 9 8

App usability and phone permissions

What ACKO can see on your phone

The ACKO app asks for six permissions on your phone (Qrates directory). It requests permission to read your text messages, read your contacts, and read your calendar. It also asks to record audio, see your location, and read phone identity.

Users like the interface and find it simple to navigate. Recent reviews praise the app for being easy to use. We found this praise in 10 out of 386 Google Play reviews and 8 out of 300 App Store reviews.

What LIC Digital can see on your phone

The LIC Digital app asks for far less data (Qrates directory). It only requests permission to see your location and read phone identity.

However, users struggle heavily with how the app works. Recent reviews highlight severe usability issues. Users complain that the app breaks in 27 out of 400 Google Play reviews and 26 out of 300 App Store reviews. This totals 53 recent reviews across both app stores citing app breaks. You can find more details on safety in our Is LIC Digital safe and registered in India? App facts and complaints post.

User complaints and developer replies

ACKO claim and policy complaints

ACKO has a very active customer support team on the app stores. The developer replies to 100 percent of one-star and two-star reviews (Qrates directory).

Despite this support, users face problems after buying a policy. The most raised problem is claim trouble. We found this complaint in 13 out of 386 Google Play reviews. Users also report being pushed into things in 7 out of 386 reviews. A smaller number report that the policy is not what was sold, found in 3 out of 386 Google Play reviews. For more context on the provider, see Is ACKO safe and registered in India? 2026 IRDAI penalty and claim data.

LIC Digital app crashes and login issues

LIC Digital rarely responds to unhappy users. The developer replies to only 2 percent of one-star and two-star reviews (Qrates directory).

Users mainly complain about basic app functions. The biggest issue is that the app breaks, found in 27 out of 400 Google Play reviews. Another common problem is that users cannot get in. We found login complaints in 7 out of 400 Google Play reviews. If you are looking for other options, browse our full list of insurance apps to see how they compare.

Licensing and IRDAI registration

You should know exactly who you are dealing with before buying a policy. Life Insurance Corporation of India publishes the LIC Digital app. This publisher holds Insurance Registration 512 (Qrates directory).

Acko Technology & Services Private Limited publishes the ACKO app. We could not match a licence for the ACKO app publisher on the RBI, SEBI, or IRDAI registers we check (Qrates directory). You can check the latest licence status and complaint data for both apps on their Qrates directory pages linked above.

Who each one suits, by need

Your choice depends on what you value most in a digital insurance product.

  • If app stability and active customer support matter to you, note that ACKO replies to all negative reviews and is praised for ease of use, while LIC Digital frequently breaks.
  • If data privacy matters to you, note that LIC Digital asks for two phone permissions, while ACKO asks for six, including your text messages and contacts.
  • If a direct IRDAI registration matters to you, note that LIC holds Registration 512, while the ACKO app publisher does not match on the registers we check.

FAQs

Which is better ACKO or LIC?

The choice depends on your priorities. ACKO offers a smooth app experience with active developer replies but asks for extensive phone data. LIC Digital asks for minimal data but suffers from frequent app crashes.

Kya ACKO IRDAI registered hai?

Acko Technology & Services Private Limited publishes the ACKO app. We could not match a licence for this publisher on the registers we check. You can verify this status on the Qrates directory.

Does LIC have a digital app?

Yes. Life Insurance Corporation of India publishes the LIC Digital app. It has over 1 crore installs on Google Play, but users frequently complain about app crashes and login failures.

ACKO aur LIC mein kya difference hai?

The main difference is the trade-off between app stability and data privacy. ACKO provides a highly rated interface but reads your texts and contacts.

The short version

  • ACKO provides a smooth digital experience but requires access to your texts and contacts.
  • ACKO users report claim trouble and being pushed into things.
  • LIC Digital limits data access to just your location and phone identity.
  • LIC Digital suffers from severe app stability issues and poor developer response rates.
  • LIC holds Insurance Registration 512, while we could not match a licence for the ACKO app publisher on the registers we check.

Sources

Disclaimer

Qrates is an information directory. It takes no commission from any company listed and does not recommend products. Figures are taken from the sources named and dated, and they change; check the company's own page before you decide. This is not investment, credit, insurance or tax advice for your situation.

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