Qrates

Is My LIC safe and registered in India? App permissions and complaints

The My LIC app is the official application published by the Life Insurance Corporation of India. It holds IRDAI Registration 512. While it is a genuine app, recent users give it an average rating of 3.01 over the last 90 days due to frequent app crashes when trying to pay their premiums.

By Qrates research desk · 2026-10-27

The My LIC app is the official application published by the Life Insurance Corporation of India. It holds Insurance Registration 512, and recent users give it an average rating of 3.01 over the last 90 days due to app crashes (Qrates directory). You can check the My LIC Qrates page for live data on its IRDAI registration status, exact phone permissions, and the latest 90-day review average before you install it.

Quick answer: Is the My LIC app safe and registered?

  • The My LIC app is the official application published by the Life Insurance Corporation of India.
  • The publisher holds IRDAI Registration 512, which you can verify on the official IRDAI website.
  • The app tracks your location and reads your phone identity (Qrates directory). This is standard for financial apps but worth noting for data privacy.
  • While the lifetime rating is high, recent users report the app breaks frequently. This brings the 90-day average rating down to 3.01 (Qrates directory).

Licence and IRDAI registration

Life Insurance Corporation of India is a statutory body created by an Act of Parliament (LIC official website, 2026). The government established it to provide life insurance products across the country. It holds Insurance Registration 512 from the Insurance Regulatory and Development Authority of India.

The My LIC app is published directly by this registered entity. This makes it the official customer portal for policyholders. You can find it listed alongside other verified insurance apps in India. If you are interested in how this compares to other digital insurance providers, you can read our analysis on ACKO vs LIC Digital vs My LIC to see how features and user experiences differ.

Regulator warnings and fake insurance apps

The IRDAI and RBI regularly issue warnings about fake financial apps that steal login credentials. There are no regulator warnings against the official My LIC app itself.

To stay safe, policyholders must ensure they do not download clone apps with similar names. Downloading apps from unofficial websites or text message links increases the risk of installing a fake application. You should always verify the legitimacy of financial tools, similar to how you would check if a loan app is RBI registered before providing sensitive data.

What the My LIC app can read on your phone

Financial apps often require specific permissions to function correctly. According to the Google Play Store, the My LIC app requests two main permissions (Qrates directory).

App permission Why it is requested
Read phone identity Links your device to your secure login to prevent unauthorized access
See your location Helps you find nearby LIC branches or agents

Reading your phone identity helps the app link your specific mobile device to your account. This prevents unauthorized access if someone tries to log in from a different phone.

You can turn off the location permission in your phone settings if you only want to use the app to pay premiums or check policy details.

What users complain about in My LIC

The My LIC app is widely used across the country. The app has over 1 crore installs and a lifetime Google Play rating of 4.63 from 4,73,863 ratings (Qrates directory). However, recent feedback paints a different picture, as the average rating over the last 90 days has dropped to 3.01.

Out of 400 recent Google Play reviews read, 17 users complain that the app breaks or crashes during use (Qrates directory). This is the most raised problem among users trying to pay their premiums. Another 4 out of 400 reviews mention there is too much selling inside the app, and 3 users report they cannot get in to their accounts at all. If you encounter significant issues with your policy or claims, you should know how to complain to IRDAI Bima Bharosa about a rejected claim to ensure your grievances are handled by the regulator.

The developer actively monitors this feedback. They reply to 15 percent of one and two-star reviews to help fix these issues (Qrates directory). The app was last updated 3 days ago. On the positive side, 6 out of 400 Google Play reviewers and 13 out of 300 App Store reviewers praised the app for being easy to use.

How to check if the LIC app is genuine yourself

You can verify the app before you enter any policy details.

  1. Open the Google Play Store or Apple App Store and search for My LIC.
  2. Check the exact publisher name under the app title. It must say "Life Insurance Corporation of India".
  3. Look at the download count. The genuine Android app has over 1 crore installs (Google Play Store).
  4. Verify the IRDAI registration number 512 on the official IRDAI website register of insurers.

FAQs

Is it safe to pay LIC premium online through the app?

Yes, paying premiums through the official My LIC app routes your payment through secure banking gateways. The app is published directly by the registered insurer.

Which is the official app for LIC policyholders?

My LIC is the official app for policyholders. It is published directly by the Life Insurance Corporation of India.

LIC app original hai ya fake kaise pata kare?

You can tell the app is original by checking that the publisher is exactly "Life Insurance Corporation of India". You should also check that it has over 1 crore downloads on the Google Play Store.

The short version

  • The My LIC app is published by the Life Insurance Corporation of India.
  • The publisher holds IRDAI Insurance Registration 512.
  • The app requests permissions to read your phone identity and see your location.
  • Recent users report frequent app crashes.
  • The app has a 90-day average rating of 3.01 on the Google Play Store.

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. 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).

Related articles