LIC escalation matrix: complain to the Grievance Redressal Officer
Your complaint is stuck. Here is who is above customer care at LIC, how many days each level gets, and the letter to send next.
The ladder
- Level 1 — the branch or customer care: your branch (its Sr/Branch Manager is the branch Grievance Redressal Officer), the LIC customer portal, or co_complaints@licindia.com. Keep the complaint number.
- Level 2 — the Grievance Redressal Officer:
Email: co_complaints@licindia.com
Phone: 022 2202 9593
Corporate Grievance Redressal Officer, Executive Director (CRM / PS), Customer Relationship Management, Life Insurance Corporation of India, Central Office, Mumbai
The Council for Insurance Ombudsmen says the company should deal with your complaint within 30 days. - Level 3 — the Insurance Ombudsman (free): if there is no reply in 30 days, or a rejection you don’t accept — at cioins.co.in, within 1 year, for claims up to ₹50 lakh. Write the Ombudsman complaint.
Contacts from LIC’s own grievance page, read on 9 Nov 2026. They change — if one bounces, tell us with the feedback box below.
Your complaint so far
What happened
Your details
Everything you type stays in your browser — nothing is uploaded or saved.
Email it to the officer (button below) or print, sign and post it. Keep a copy.
Why this works
Most people stop at customer care. The officers above are the levels the rules require — every insurer has Grievance Redressal Officers, and the Insurance Ombudsman takes your complaint after the company has had 30 days. Writing to them, with your complaint number, is often what gets a complaint taken seriously. LIC has Grievance Redressal Officers at branch, division, zone and corporate level; they meet customers on Mondays 2:30–4:30 pm without appointment. The corporate list (2026-27) is on licindia.in.
Not legal advice. For large amounts or a court case, see a lawyer; your district legal services authority gives free legal aid if you qualify.
Kaise use karein
- Fill in your complaint date and number.
- See where you stand and your next date.
- Send the letter by email or post. Keep a copy.
Kaise kaam karta hai
Customer care ke upar bhi log hote hain. Grievance Officer, phir Insurance Ombudsman — unka email, phone aur chitthi yahan hai.
Questions people ask
Who is the LIC Grievance Redressal Officer?
How long does LIC get to answer?
What if LIC does not solve it?
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Questions & problems
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