Qrates

ACKO vs My LIC: App permissions, complaints and 2026 rules compared

The ACKO app asks to read your text messages and contacts but replies to all negative reviews. The My LIC app asks for minimal phone data but users frequently report technical bugs. Compare their permissions, complaints and IRDAI licence status before you share your data.

By Qrates research desk · 2026-10-27

Quick answer: ACKO vs My LIC

The ACKO app requests extensive phone data including text messages and contacts, but the publisher replies to 100 percent of negative app reviews (Qrates directory). The My LIC app asks for minimal phone data and holds an IRDAI registration, but developer replies sit at just 15 percent. ACKO users most commonly report claim trouble, while My LIC users most commonly report technical bugs.

At a glance: ACKO and My LIC compared

This table provides a side-by-side comparison of both apps. Every number comes directly from the Qrates directory facts. You can check the latest figures on the Qrates insurance apps directory.

Feature ACKO My LIC
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 (unverified)
Google Play rating 4.56 from 398262 ratings 4.63 from 473863 ratings
Installs 1 crore+ 1 crore+
Recent 90-day review average 3.21 3.01
Replies to 1 and 2 star reviews 100% 15%
Days since last update 9 3

Phone permissions and data access

The ACKO app asks for deep access to your phone data. It requests permission to read your text messages, read your contacts, read your calendar, record audio, see your location, and read phone identity. The My LIC app only requests permission to read your phone identity and see your location.

These permissions control what the app can see on your device. Reading text messages allows a company to see your financial alerts and personal chats. Reading contacts and calendar data lets the publisher see who you know and what you plan to do. Recording audio means the app can access your microphone, and reading phone identity allows the publisher to track your specific device across networks.

Licences and regulatory standing

My LIC is published by the Life Insurance Corporation of India. It holds Insurance Registration 512, though this status is currently unverified in our data. ACKO is published by Acko Technology & Services Private Limited. We could not match a licence on the registers we check for this specific publisher name. The registers we check include the RBI, SEBI, and IRDAI databases.

You can check any insurance registration number yourself using the official register of insurers.

  1. Visit the official IRDAI website on your phone or computer.
  2. Open the public register of licensed insurance companies.
  3. Search for the exact company name or registration number.
  4. Confirm their active status before buying a policy or sharing data.

User complaints and customer support

The ACKO team actively monitors its app store pages. The publisher replies to 100 percent of one and two star reviews, based on 386 reviews read. However, the most raised problem for ACKO is claim trouble, appearing in 13 of 386 reviews. This is followed by users feeling pushed into things in 7 reviews, and finding the policy is not what was sold in 3 reviews. To see how these compare to other platforms, read our ACKO vs LIC Digital vs My LIC analysis.

My LIC offers much lower developer support for app issues. The publisher replies to only 15 percent of one and two star reviews, based on 400 reviews read. The most raised problem for My LIC is that the app breaks, noted in 17 of 400 reviews. This is followed by complaints of too much selling inside the app in 4 reviews, and users who cannot get in in 3 reviews.

Both apps receive praise for being easy to use. ACKO saw this in 10 of 386 Google Play reviews and 8 of 300 App Store reviews. My LIC saw this in 6 of 400 Google Play reviews and 13 of 300 App Store reviews.

Who each one suits, by need

Choosing between these apps depends on what you value more.

  • If minimal phone data access matters to you, note that My LIC asks for significantly fewer permissions than ACKO.
  • If fast developer responses to app issues matter to you, note that ACKO replies to 100 percent of negative reviews while My LIC replies to just 15 percent.
  • If app stability matters to you, note that My LIC users frequently report the app breaking or being unable to log in.

FAQs

Is ACKO safe compared to LIC?

Safety depends on data access and regulatory standing. ACKO asks for extensive phone permissions like reading texts and contacts, while My LIC asks for minimal data and holds an IRDAI registration. For more details, see Is ACKO safe and registered in India? and Is My LIC safe and registered in India? for a deep dive into their security practices.

Is ACKO approved by IRDAI?

The ACKO app is published by Acko Technology & Services Private Limited. We could not match a licence for this exact publisher name on the registers we check, including IRDAI. You can verify their current status on the official IRDAI website.

Can I buy LIC policy online like ACKO?

The My LIC app allows you to manage your LIC policies digitally. However, users mention in reviews that the app frequently breaks or prevents them from logging in. ACKO operates entirely online but faces complaints about users being pushed into things.

What is the claim settlement ratio of ACKO vs LIC?

We do not track claim settlement ratios directly in the app directories. However, our review data shows that claim trouble is the most common complaint for ACKO users. My LIC users complain mostly about the app breaking rather than claim issues.

The short version

  • ACKO offers a highly supported app experience with a 100 percent response rate to negative reviews.
  • The ACKO app asks for deep phone access and faces user complaints about claim trouble.
  • My LIC offers an insurance portal from a registered publisher with minimal data tracking.
  • The My LIC app struggles with technical bugs and a low 15 percent customer support response rate.

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.

Related articles