Is LIC Digital safe and registered in India? App facts and complaints
The LIC Digital app is the official platform published by the Life Insurance Corporation of India. While it is fully licensed under IRDAI Registration 512 and safe for premium payments, users currently face severe login glitches and app crashes. Here is what the app can see on your phone.
By Qrates research desk · 2026-10-27
Yes, LIC Digital is the official app published by the Life Insurance Corporation of India. It operates under IRDAI Registration 512. However, users currently face severe login glitches and app crashes. You can check the exact phone permissions and the latest breakdown of user complaints on the LIC Digital page on Qrates.
Quick answer: Is the LIC Digital app safe and registered in India?
The LIC Digital app is a legitimate platform for premium payments and policy checks. It is the official app published by the Life Insurance Corporation of India. Your money goes directly to the insurer when you pay through this app.
However, the app currently suffers from severe technical issues. It holds a 2.11 average rating over the last 90 days due to app crashes and login failures (Qrates directory). The app is safe from a regulatory standpoint, but it is highly unreliable for users trying to manage their policies on a phone. To understand how it stacks up against other platforms, you can read our guide on ACKO vs LIC Digital vs My LIC.
Licence and registration: Is it the official LIC app?
The app is published directly by the Life Insurance Corporation of India on the Google Play Store and Apple App Store. The insurer is fully licensed to operate in India. You can verify this on the official regulatory registers.
| Detail | Fact |
|---|---|
| App publisher | Life Insurance Corporation of India |
| Regulator | IRDAI |
| Registration number | 512 |
| Licence status | Unverified (Qrates directory) |
Regulator warnings and recent scams
There are no IRDAI warnings against the official LIC Digital app itself. The official app is a secure way to access your policy details.
You must watch out for policy revival scams outside the app. Fraudsters send fake payment links or files over WhatsApp. They pretend to be LIC agents and claim your policy will lapse if you do not download their file. Never install an app from a WhatsApp message or a text link.
Recent social media claims sometimes confuse these WhatsApp scams with data leaks from the official app. The Life Insurance Corporation of India and insurance regulators monitor customer data security. The official app on the app stores remains the authorized channel for digital services. If you have concerns about app safety, you can learn more about Is My LIC safe and registered in India?.
What the LIC Digital app can read on your phone
You can check the exact permissions an app takes before you install it. The official LIC Digital app asks for very little access to your phone data.
- See your location: The app uses this to find nearby LIC branches or verify where a transaction takes place.
- Read phone identity: The app uses this to bind your account to your specific device (Qrates directory).
Insurance and financial apps typically use phone identity permissions to prevent fraud. This stops a scammer from logging into your account from a different phone. The app does not ask for permission to read your text messages, contacts, or photo gallery. For a broader view of the ecosystem, you can browse our directory of insurance apps.
What users complain about: App breaks and login failures
The app has a lifetime Google Play rating of 4.20 from 365,168 ratings and over 1 crore installs (Qrates directory). However, the recent experience for users is poor. The average rating over the last 90 days has dropped to 2.11.
The most common complaints are that the app breaks and users cannot log in. Out of 400 recent Google Play reviews read, 27 users report that the app breaks. Another 7 out of 400 Google Play reviews report that they cannot get in. The problem is similar on iPhones, with 26 out of 300 App Store reviews stating the app breaks (Qrates directory).
Users get very little help when things go wrong. The publisher replies to only 2% of one and two-star reviews (Qrates directory). The app was last updated 8 days ago, but users still report ongoing login glitches. If you encounter issues with a claim, you can see How to complain to IRDAI Bima Bharosa about a rejected claim.
How to check if your LIC app is official yourself
You can verify that you are downloading the real app in three steps.
- Open the app store on your phone and check that the publisher name is exactly "Life Insurance Corporation of India".
- Verify the IRDAI registration number 512 on the official IRDAI website under the list of registered insurers.
- Only install the app directly from the Google Play Store or Apple App Store.
FAQs
Is LIC Digital app safe to pay premium?
Yes, it is safe to pay your premium through the official app. The app itself is glitchy, but the payment gateway is legitimate. Your payments go directly to the Life Insurance Corporation of India.
LIC Digital app real hai ya fake?
The LIC Digital app published by the Life Insurance Corporation of India on the app stores is real. You must avoid fake links or files sent on WhatsApp. Those are scams designed to steal your money.
Is my data safe on LIC Digital?
The official app limits what it can see on your phone. It only requires permission to see your location and read your phone identity. It cannot read your personal text messages or look at your photos.
The short version
- LIC Digital is the official app of the Life Insurance Corporation of India under IRDAI Registration 512.
- The app only takes permissions to see your location and read your phone identity.
- Recent user ratings have dropped to an average of 2.11 due to app crashes and login failures.
- Customer support replies to only 2% of negative reviews on the app store.
- Policyholders should ignore WhatsApp messages with files claiming to be LIC updates.
Sources
- details (play.google.com)
- Home | Life Insurance Corporation of India | Official website of Life Insurance Corporation of India.
- Qrates: check any money product in India before you sign up
- LIC Digital review: charges, licences and safety | Qrates
- details (play.google.com)
- LIC Strengthens Digital Push with Launch of MyLIC and Super Sales Saathi Apps
- details (play.google.com)
- BBAU prof loses ₹50L in LIC policy revival fraud | Lucknow News - The Times of India
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. A licence or a clean record today does not guarantee how a company behaves later. To complain, use the regulator's own portal (RBI CMS, SEBI SCORES or IRDAI Bima Bharosa).