For NRIs, eligible OCIs and Indians living abroad
LIC for NRI – Insurance Plans for Indians Living Abroad
LIC Insurance for NRIs – Secure Your Financial Future in India
Living abroad doesn't mean you have to put your financial planning in India on hold. Explore suitable LIC insurance options for family protection, long-term savings and retirement planning with personalised guidance from Mr S Kulkarni.
- Eligibility checked plan by plan
- Guidance on documents
- Help with policy servicing
Why Explore LIC Insurance as an NRI?
Many Indians abroad still have responsibilities and plans in India: parents, a spouse or children, a home loan, or a future return. An LIC policy can be one part of that planning, provided the plan suits your circumstances and you are eligible for it.
Protecting family in India
Life cover that would support your family or settle commitments in India if something happened to you.
Planning future expenses
A child's education, a wedding or a home in India: costs you may want to plan for in rupees.
Savings and retirement
Long-term savings and pension or annuity options for anyone who plans to retire in India.
Understanding premiums
LIC policies are issued in Indian rupees. We explain the premium, the term and the payment routes allowed for your case.
Eligibility and documents
Requirements depend on the plan, your residency status and where you live, so they are checked before you apply.
Servicing from abroad
Knowing how premiums, address updates and claims will be handled while you are outside India.
Tax treatment depends on your residency and the laws of your country of residence. Please check with a tax adviser; a policy does not automatically give a tax benefit.
Explore LIC Plan Categories
These guides explain each plan in detail. Whether a particular plan, benefit or rider is available to you as an NRI or OCI depends on LIC's current conditions, so please check eligibility with us before applying.
Term insurance and family protection
Pure life cover sized to your family's needs and any loans in India.
Savings and long-term planning
Plans that combine life cover with a maturity amount.
Child-focused planning
Planning for education and milestones, with payouts timed to your child's needs.
Retirement and pension
Building or moving retirement savings for life in India.
Annuity and regular income
Converting a lump sum into a regular income.
Other eligible plans
Not sure which category fits, or looking for a plan not listed here? Tell us your goal and country of residence and we will check which plans you can consider.
Ask About Other PlansNRI Eligibility and Application Guidance
There is no single process that applies to every NRI. Eligibility depends on the plan you choose, your residency status, your country of residence, underwriting and LIC's rules at the time you apply. These are the points we typically go through with you:
Your status and country
Whether you are an NRI, an OCI cardholder or another applicant living abroad, and which country you live in. LIC treats these groups differently.
Eligibility for the plan
Some plans, benefits or riders may not be available to applicants living abroad, and cover limits can apply.
Identity and residency documents
Usually a proposal form, LIC's NRI questionnaire, a copy of your passport, and proof of age and income. Exact requirements vary.
Medical and underwriting
Depending on age, cover and country, medical reports may be needed. LIC's process may allow some formalities to be completed in your country of residence, subject to its conditions.
Premium payment
Policies are issued in rupees. The payment route, for example a remittance from abroad or an Indian NRE or NRO account, must be one LIC permits for your case.
Servicing while abroad
Keeping your overseas address and tax-residency declaration up to date, and understanding how claims are settled in India.
Requirements can differ by plan and by country, and LIC may change them. Nothing on this page guarantees approval; every proposal is subject to LIC's underwriting.
Why Choose Personalised NRI Insurance Guidance?
Buying insurance from another country raises questions a brochure does not answer. Speaking with S Kulkarni before you decide helps you understand your options clearly.
- Help identifying LIC plans that may suit your goals
- Clear explanations of policy terms, benefits and conditions
- Guidance on eligibility and the documents you may need
- Comparison of premiums and benefits where appropriate
- Help understanding the application and servicing steps
- Support planning cover for family members in India
Mr S. Kulkarni
LIC Advisor – Mumbai
Call or WhatsApp: +91 99204 31205
Calling from abroad? Dial +91 before the number. WhatsApp is often the easiest way across time zones.
Message on WhatsApp Call +91 99204 31205Get Personalised LIC Guidance for NRIs
Tell us a little about your requirements. We can help you understand relevant LIC insurance options, eligibility requirements and the next steps for your enquiry.
- It takes about a minute. Only basic contact details are needed.
- Include your country code so we can reach you by WhatsApp or phone.
- Please do not send passport, Aadhaar, PAN, bank or card details through this form.
We use the details you share only to respond to your enquiry. See our privacy policy.
Frequently Asked Questions
Can NRIs buy LIC insurance while living abroad?
In many cases, yes. LIC allows NRIs to apply for cover, and some formalities may be completed in the country of residence, subject to its conditions. Whether you can apply for a particular plan depends on the plan, your country and LIC's current rules, so we check this for your situation first.
Are OCIs eligible for LIC insurance?
OCI cardholders may be able to apply, but LIC applies separate conditions to them, including how the application and medical formalities are handled. Your eligibility has to be confirmed for the plan you are considering.
Which LIC plans can NRIs explore?
NRIs can usually look at term, savings, child, pension and annuity plans, but some plans, benefits or riders may be restricted for applicants living abroad, and cover limits may apply. Tell us your goal and we will check which plans you can consider.
What documents may be required?
Typically a proposal form, LIC's NRI questionnaire, a copy of your passport, proof of age, and income proof for higher cover. Medical reports may be needed depending on your age and cover. The exact list depends on the plan and your country, so we confirm it before you apply.
Can an NRI pay premiums while living abroad?
Premiums are paid in Indian rupees through channels LIC permits, such as a remittance from abroad or an Indian NRE or NRO account, depending on your case. We explain the options that apply to you.
Can I receive assistance with LIC policy servicing while outside India?
Yes. We can guide you on premium payments, updating your overseas address and contact details, tax-residency declarations, nominee changes and claim documentation. Some requests must be completed directly with LIC.
Do eligibility requirements differ by country of residence?
Yes, they can. Your country of residence may affect which plans are available, the medical and underwriting process, and the documents required. That is why we ask where you live when you enquire.
How can I request personalised guidance from Mr S. Kulkarni?
Fill in the enquiry form on this page, or call or WhatsApp +91 99204 31205. You can also use the Contact Us page.
NRI Guides and Articles
Planning LIC Insurance from Abroad? Let's Discuss Your Options.
Whether you are exploring family protection, long-term savings or retirement planning in India, personalised guidance can help you understand the available options and their requirements.
Mr S. Kulkarni · LIC Advisor – Mumbai · WhatsApp +91 99204 31205
LicAgent.co.in is the website of an LIC advisor and is not the official website of Life Insurance Corporation of India. Plan information is a summary; refer to LIC's official sales brochure and policy document for full terms and conditions.
