ACKO vs LIC Digital vs My LIC: insurance apps compared

LIC Digital and My LIC are official apps with minimal phone permissions, but users often report broken logins. ACKO offers a smoother app and replies to all negative reviews, but it asks to read your text messages and contacts. We compare their licences and user complaints side by side.

By Qrates research desk · 2026-10-27

LIC Digital and My LIC are both official apps published by the Life Insurance Corporation of India. ACKO is a prominent name in digital insurance India. It is a separate app that asks for heavy phone access, including your text messages and contacts. You can check the exact app permissions, licences, and customer complaints for each app in the Qrates directory of insurance apps.

Quick answer: ACKO vs LIC Digital vs My LIC

LIC Digital and My LIC are both official apps published by the Life Insurance Corporation of India under Insurance Registration 512. ACKO is published by Acko Technology & Services Private Limited. We could not match a licence for ACKO on the registers we check.

The LIC apps ask for minimal phone permissions. However, users frequently report that the LIC apps break or block logins.

ACKO replies to 100% of negative reviews. It asks to read your text messages, contacts, and calendar.

At a glance: Licences, permissions and complaints

We track the exact permissions and review data for these apps. Here is a side-by-side comparison built from Qrates directory facts.

Feature	ACKO	LIC Digital	My LIC
Publisher	Acko Technology & Services Private Limited	Life Insurance Corporation of India	Life Insurance Corporation of India
Licence	We could not match one on the registers we check	Insurance Registration 512 (unverified)	Insurance Registration 512 (unverified)
Phone permissions	Read texts, contacts, calendar, audio, location, phone identity	See location, read phone identity	See location, read phone identity
Recent 90-day review average	3.21	2.11	3.01
Reply rate to 1-star and 2-star reviews	100%	2%	15%
Top complaint	Claim trouble	App breaks	App breaks

ACKO has a very high reply rate to negative reviews. The LIC apps have much lower reply rates. LIC Digital replies to 2% of one-star and two-star reviews. My LIC replies to 15% of them.

The official LIC apps: LIC Digital vs My LIC difference

Both apps are published by the Life Insurance Corporation of India. They help users manage their policies. You can use them to complete a premium payment or do a policy download.

My LIC has a higher overall Google Play rating of 4.63 from 473,863 ratings. LIC Digital has a Google Play rating of 4.20 from 365,168 ratings. Both apps have over 1 crore installs.

My LIC also has a slightly better recent review average of 3.01 over the last 90 days. LIC Digital sits at a lower 2.11 for the same period. My LIC was last updated 3 days ago. LIC Digital was last updated 8 days ago.

Users report similar bugs for both apps. Exactly 27 of 400 recent LIC Digital Google Play reviews state the app breaks. Another 26 of 300 App Store reviews for LIC Digital also state the app breaks. For My LIC, 17 of 400 recent Google Play reviews state the app breaks.

Phone permissions: What each app can see

LIC Digital and My LIC only request permission to see your location and read your phone identity. They do not read your personal files.

ACKO requests much deeper access to your phone data. It has over 1 crore installs. To use ACKO, you must allow it to read your text messages, read your contacts, and read your calendar.

ACKO also asks to record audio, see your location, and read your phone identity. You must accept these app permissions to use the service on your phone.

Customer support and app stability

ACKO is highly responsive on the app store. It replies to 100% of the 386 one-star and two-star reviews we read. The app was last updated 9 days ago.

However, users report specific issues. Exactly 13 of those 386 ACKO reviews raised problems with claim trouble. Another 7 reported being pushed into things. Exactly 3 of 386 Google Play reviews stated the policy was not what was sold.

Buyers often look for a high claim settlement ratio or worry about hidden charges, a pre-existing disease waiting period, and the renewal process. Here, immediate claim trouble is the most raised issue. On the positive side, 10 of 386 Google Play reviews and 8 of 300 App Store reviews praised ACKO for being easy to use.

LIC Digital only replies to 2% of negative reviews. My LIC replies to 15%. Users complain heavily about login failures. For LIC Digital, 7 of 400 Google Play reviews state they cannot get in.

For My LIC, 4 of 400 Google Play reviews complain about too much selling inside. Another 3 report they cannot get in. Despite the bugs, some users praise the layout. Exactly 6 of 400 Google Play reviews and 13 of 300 App Store reviewers praised My LIC for being easy to use.

Who each one suits, by need

If managing an existing Life Insurance Corporation policy matters to you, note that both LIC Digital and My LIC are official. My LIC has slightly better recent ratings and a higher reply rate. You can compare money apps side by side to see how these insurance tools stack up against other financial apps.

If app responsiveness matters to you, note that ACKO replies to all negative reviews. You must balance this against the fact that it requires access to your texts, contacts, and calendar.

If data privacy matters to you, note that the LIC apps ask for far fewer phone permissions than ACKO. If you are concerned about security, it is always wise to report cyber fraud on 1930 and cybercrime.gov.in if you notice any suspicious activity on your financial accounts.

FAQs

LIC Digital aur My LIC me kya difference hai?

Both LIC Digital and My LIC are official apps published by the Life Insurance Corporation of India. My LIC currently has a higher recent rating and a slightly better developer reply rate.

Which LIC app is official?

Both apps are official. They both hold Insurance Registration 512.

Is ACKO safe for insurance?

Safety depends on licences and data access. ACKO asks to read your texts and contacts. We could not match a licence for it on the registers we check. You should always check if a loan app is RBI registered or if an insurance provider is valid before sharing your personal data.

How to check IRDAI registration of ACKO?

You can check the official IRDAI register of insurers on their website. This lets you search for any insurance company's IRDAI registration number.

The short version

LIC Digital and My LIC are both official apps for LIC policyholders.
Both LIC apps suffer from frequent login bugs and app crashes.
My LIC performs slightly better in recent user reviews than LIC Digital.
ACKO offers a smoother app experience and replies to all complaints.
ACKO asks for heavy phone permissions, and users report claim trouble.

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.