File a LIC Term Plan Complaint — Helpline, Grievance Officer & Escalation

Filing a complaint against LIC Term Plan? Skip the random forwarding loops — this page lists the correct sequence: customer-care first at 022-6827-6827, then grievance officer if the first call doesn't resolve it, then sector regulator if the brand exceeds the 30-day SLA.

LIC Term Plan Complaint Helpline: 022-6827-6827

How to file a complaint for LIC Term Plan (Step by Step)

  1. Step 1. Start with customer care at 022-6827-6827. Always note the Level 1 complaint reference number.
  2. Step 2. Give it 7 calendar days. LIC's internal SLA is typically 7 working days for first response. If you have a reference number but no follow-up, escalate.
  3. Step 3. Escalate to the grievance officer (contact on this page). Quote your Level 1 reference number when you email/call. Under India's IT Rules 2021, the grievance officer must respond within 15 days.
  4. Step 4. If the grievance officer doesn't resolve it in 30 days, escalate to the nodal officer or appellate authority (also on this page) with both reference numbers.
  5. Step 5. Final step: file at National Consumer Helpline 1915 or directly with the sector regulator (RBI Banking Ombudsman, TRAI, IRDAI, DGCA — depending on category) attaching all reference numbers and timestamps.

Escalation Matrix for Complaint Issues

If the first-level customer-care call doesn't resolve your file a complaint, India's standard escalation path is: grievance officer → nodal officer → IRDAI Bima Bharosa → consumer court. Most regulators require 30 days of brand non-response before they accept a case, so keep every reference number and timestamp.

Frequently Asked Questions about LIC Term Plan Complaint

What's the right order to escalate a LIC Term Plan complaint?

Customer care → grievance officer (7 days SLA) → nodal officer / appellate authority (15-30 days) → sector regulator / consumer court (after 30 days of no resolution). Always quote the previous level's reference number when escalating.

How long does LIC have to respond to my complaint?

Under India's IT Rules 2021, the grievance officer must acknowledge within 24 hours and resolve within 15 days. Sector regulators (RBI/TRAI/IRDAI) typically give the brand 30 days before they intervene.

Can I file a LIC Term Plan complaint directly with the regulator?

Not recommended — regulators require proof you tried the brand's internal grievance redressal first. Always exhaust customer care + grievance officer first; the regulator will ask for those reference numbers before opening a case.

Related LIC Term Plan help

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