LIC Claim Rejection Letter: How to Respond & What to Include (2026)

By Hari Kotian | Published on 2026-07-25

Receiving a claim rejection from LIC is stressful, but it is not the final word. A well-constructed response — backed by the right documents — can reverse the decision. Here is everything you need to know about responding to a LIC claim rejection.

Step 1: Read the Rejection Letter Carefully

The rejection letter must state the exact clause or reason under which your claim was denied. Common reasons include: non-disclosure, lapse due to non-payment, discrepancy in nomination, or claim intimation beyond the stipulated time period. Note every detail.

Step 2: Collect All Supporting Documents

Before writing your response, gather:

Original Policy Document
Premium payment receipts / renewal receipts
NOMINATION form (form for change of nomination)
Death Certificate (for death claims)
Medical records and post-mortem report (if applicable)
Claim form acknowledgment copy
Bank account details linked to the policy
Identity and address proof of the claimant

Step 3: Write the Response Letter

[Your Full Name] [Your Address] [Phone Number] [Email] Date: [Date of Letter] To, The Branch Manager / Claims Manager LIC of India – [Branch Name & Address] Subject: Request for Review of Claim Rejection – Policy No: [Policy Number] Respected Sir/Madam, I am writing to formally request a review of the claim rejection communicated to me via your letter dated [Rejection Date] for the above-referenced policy. 1. I firmly believe the rejection is based on an error of fact/interpretation and request that the claim be reconsidered. 2. [State your reason — e.g., "The policy was in force at the time of claim as evidenced by the renewal premium receipt dated [Date]" or "The non-disclosure was unintentional and I was not aware of the condition at the time of proposal."] 3. I have enclosed the following supporting documents for your review: - [List documents enclosed] 4. I kindly request a personal hearing/meeting at your earliest convenience to present my case. I trust LIC will review this matter fairly and honor the claim as per the policy terms. I reserve my right to escalate to the IRDAI Bima Bharosa Portal and the Insurance Ombudsman if the matter is not resolved. Thanking you, [Your Signature] [Your Full Name] Claimant's Relationship to Assured: [e.g., Son/Daughter/Wife]

Step 4: Submit Within 15 Days

Submit this response to the Branch Manager who handled the claim. Also email a copy to LIC's Grievance Redressal Officer at the regional office. Keep a stamped acknowledgment copy for your records. Insurers must respond to your appeal within 15 days under IRDAI regulations.

Step 5: Escalate if No Response

If LIC does not respond satisfactorily within 15 days, escalate to the IRDAI Bima Bharosa Portal or approach the Insurance Ombudsman in your region. See the full escalation guide here.

Need Help Drafting Your Response?

Writing the right response is critical. A poorly drafted letter can weaken your case. Let me help you draft a strong, legally-backed appeal.

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