LIC Digital vs My LIC: App features, ratings and login issues

Both LIC Digital and My LIC are official apps from the Life Insurance Corporation of India. While they offer the same features like premium payments and policy status checks, My LIC currently has higher recent user ratings and better developer support for login complaints.

By Qrates research desk · 2026-10-27

Both LIC Digital and My LIC are official insurance apps from the Life Insurance Corporation of India, but My LIC currently has a higher recent user rating of 3.01 compared to 2.11 for LIC Digital (Qrates directory). Both apps let you check your policy status and pay a renewal premium. You can check the latest app updates, exact phone permissions and recent user complaint counts on the Qrates directory pages for LIC Digital and My LIC before you install either app. To see how these compare to other insurance apps, you can view our full comparison guide.

Quick answer: LIC Digital vs My LIC

Both LIC Digital and My LIC are official apps published by the Life Insurance Corporation of India. The insurer operates under IRDAI registration 512. Both apps allow policyholders to check policy status, download premium receipts, and make online payments. For a deeper look at the performance of these tools, read our guide on ACKO vs LIC Digital vs My LIC.

My LIC currently has a higher recent user rating of 3.01 against 2.11 for LIC Digital. The developer team also replies to 15% of complaints on My LIC, compared to just 2% on LIC Digital. Both apps ask for exactly the same phone permissions when you install them. For more details on safety and user feedback, see our analysis on if My LIC is safe and registered in India.

At a glance: LIC Digital and My LIC compared

Feature	LIC Digital	My LIC
Publisher	Life Insurance Corporation of India	Life Insurance Corporation of India
Licence	IRDAI Registration 512	IRDAI Registration 512
Phone permissions	See your location, Read phone identity	Read phone identity, See your location
Recent 90-day rating	2.11	3.01
Reply rate to complaints	2%	15%
Frequent problems	App breaks, Cannot get in	App breaks, Too much selling inside

Recent app performance and ratings

While both apps have over 1 crore installs on Google Play, their recent performance differs. LIC Digital holds a lifetime Google Play rating of 4.20 from 3,65,168 ratings. My LIC holds a higher lifetime rating of 4.63 from 4,73,863 ratings.

Over the last 90 days, My LIC maintains a 3.01 average rating from users. LIC Digital has dropped to a 2.11 average rating in the same period. The developer also updates My LIC more frequently. My LIC was updated 3 days ago, while LIC Digital was last updated 8 days ago.

Developer support and complaint replies

When users report issues on the app store, the developer team is more active on My LIC. The team replies to 15% of one and two star reviews left by My LIC users. This data comes from a sample of 400 recent reviews read by Qrates. You can also compare LIC Digital vs Policybazaar to see how developer support differs across the wider industry.

On LIC Digital, only 2% of complaining users receive a developer reply. This means users facing technical errors on My LIC have a better chance of getting a response from the support team. Both apps are managed by the same publisher, but the support effort is currently focused on My LIC.

Common problems users face

The most common complaint for both apps is that the app breaks during use. Out of 400 recent Google Play reviews read, 27 users flagged this on LIC Digital, and 17 flagged it on My LIC. On the App Store, 26 out of 300 reviews for LIC Digital also report that the app breaks.

Users of both apps report that they cannot get in due to login or MPIN failures. This login issue appears in 7 out of 400 reviews for LIC Digital, and 3 out of 400 reviews for My LIC.

Some My LIC users complain there is too much selling inside the app, with 4 out of 400 reviews raising this issue. However, 6 out of 400 My LIC users on Google Play and 13 out of 300 on the App Store specifically praise the app for being easy to use.

Who each one suits, by need

If developer responsiveness and recent stability matter to you, note that My LIC has a higher recent rating and a better reply rate. It also receives slightly faster technical updates from the Life Insurance Corporation of India.

If you just need a basic customer portal to pay a renewal premium, both apps serve the same purpose. They use the exact same registration process and connect to the same LIC database. Your policy details will look the same no matter which app you choose.

FAQs

What is the difference between LIC Digital and My LIC?

Both are official apps from the Life Insurance Corporation of India. The main difference is their recent technical performance. My LIC currently has better recent ratings and customer support responses.

Which app should I download for LIC policy?

Both apps serve the same function and let you manage your policy. My LIC currently shows fewer technical breaks in recent reviews. It also gets faster updates from the developer.

Can I pay premium on LIC Digital app?

Yes, online premium payment is supported on both apps. You can pay your renewal premium and download the premium receipt directly through the customer portal.

The short version

LIC Digital and My LIC are two official apps from the same insurer.
They require the same phone permissions and offer the same e-services.
Both apps let you pay premiums and check your policy status.
My LIC currently performs better in recent user reviews and developer support.

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.