# LIC Digital — user reviews > 116 indexed App Store user reviews of LIC Digital by Life Insurance Corporation of India, rated 4.72/5 from 123,535 ratings. - Source: https://appshunter.io/ios/app/lic-digital/id1324159013/reviews - App overview in markdown: https://appshunter.io/ios/app/lic-digital/id1324159013.md - Rating breakdown: 5★ 754 · 4★ 71 · 3★ 20 · 2★ 17 · 1★ 133 ## What do users think of LIC Digital? Overall sentiment: negative **Pros** - 🚀 Convenient one-stop app - 🔒 Precaution to lock account until payment validation - 👍 Easy to manage policies and services - 👍 Friendly user interface **Cons** - 🐛 Frequent login issues - 🐛 Unstable app performance - 🐛 Incomplete/missing features - 🐛 Compatibility issues across devices - 🐛 Slow response times - 🐛 Confusing UI and navigation **Commonly reported bugs** - Unable to login or login issues - Blank screens and app crashes - Keyboard issues for entering date of birth - Payment processing failures - Inconsistent app behavior **Most requested features** - Add policy surrender and ECS payment options - Provide policy status details like surrender value, loan details, etc. - Implement push notifications for premium due alerts - Improve UI and user experience - Ensure seamless cross-device compatibility ## Newest reviews (13 of 116) ### 2/5 — Not fast and so much lag *2025-10-30* I am trying to update my password, I am not receiving Otp immediately it comes after 15min and by the time it expires it us not one time I faced this issue so many days. There should be option to add any family member in the login as parents or illaws or brothers, at least we should have option to pay for others through our login so we can maintain some history of our payment to family members policies, I hope for LIC only wife and children are considered as family. ### 1/5 — Extremely Disappointing – App Not Working for Over a Year! *2025-06-23* This is by far one of the worst apps I’ve ever used. I have not been able to log in for more than a year now! Despite multiple updates, the issue still persists. No proper error message, no support, and no improvement from the developer’s side. It’s unacceptable that a major organization like LIC cannot provide a stable and user-friendly app in today’s digital age. I’ve missed important updates and had to rely on outdated manual methods because the app simply refuses to work. If LIC really values its policyholders, this app needs a complete overhaul. Fix the login issues immediately and provide proper support to users. Extremely frustrating experience. NOT recommended until they make serious improvements. ### 1/5 — Unable to login *2025-05-20* I wanted to login and pay my annual basis. I am currently traveling outside India, so it advised me to download the NRI app, which is not available on the Indian App Store. Nonetheless, if I disable location and then click on the Login button, it looks like something is loading and then nothing happens. I have tried restarting the app, re-installing the app, no change. I thought it might be because I am outside India at the moment, so I turned on a VPN, but when I do that, I get a blocking warning telling me to turn the VPN off. Is there someone sitting at the LIC office thinking up how many more ways to stop people from using the app? This is frankly quite frustrating. ### 3/5 — Improvement needed *2025-03-31, version 1.3.3* App has improved a lot over the past few years. The jeevan sakshya part is not well designed yet, exit from this part leads to exit from app. Also there is a lot screen suze mismatch from other part of app. Keep in mind that mostly seniors use it and try to keep it simple and accessible like the main app pages. Thank you. ### 2/5 — Does not have basic SEARCH facility *2025-03-21, version 1.3.2* The app is hardly having any facility. A basic thing like Search is not available. There is no guideline/manual on how to use. Life Certificates are supposed to be generated thru this. But there is NO such tab And most of the data intensive queries get hanged and dont work. Shoddy job, not expected from LIC. It seems nobody has asked users about their requirements before developing this. ### 3/5 — LIC loan interest payment *2025-01-15, version 1.3.1* App is user friendly but execution in terms of payments is not proper. Unable to get loan interest payment details in app immediately even though I received a message regarding it. It was showing no interest due under any policy for 4 times. Finally, I got it at 5th time and I paid it. Similar thing is happening with loan re-payment option. Please check and improve the accessibility. ### 2/5 — In the login page,At the time of enter date of birth,Slash m“ /“ symbol not shown in keyboard *2024-12-24* Dear LIC Digital App Support, I am writing to report an issue I am experiencing with the LIC Digital app on my iPhone 15 Pro Max. When I attempt to log in, the app requires me to enter my date of birth in a dd/mm/yyyy format. However, there seems to be a problem with the input field, as the slash ("/") symbol, which is required to separate the day, month, and year, is not available on the keyboard in the text box. The only symbols available are +, #, and *, which makes it impossible to enter the date of birth in the correct format. I have attached screenshots of the issue for your reference. I am unsure whether this issue is related to the Apple keyboard or the LIC Digital app, so I am reaching out to both parties for assistance. Could you kindly investigate the matter and provide a solution? It would be great if the keyboard could be updated to allow the slash symbol ("/") in the input field for date of birth, or if there is another way to resolve this problem. Thank you for your time and assistance. I look forward to your prompt response. Best regards, M Tamilarasan. ### 1/5 — Its a Disastrous App *2024-12-05, version 1.3.1* It’s a disastrous app as it’s impossible to even create user profile via this app. For entering DOB there is no virtual calendar and keyboard turns to numeric and do not allow to enter DOB in desired format by using “/“. Also I didn’t get why is it need Insurance Premium without tax for registration and why just policy number, dob and PAN is not enough for registration. Clearly LIC tech team need to work more seriously for making the app User Friendly till this app is nothing more than a disaster its only exist for namesake with zero usability. ### 1/5 — Half of the year its dead *2024-10-02, version 1.2.9* This app has its own mind. Most of the time login doesn't work and i have to login through webpage.. then whats the point if it doesn’t work on time… it gives you funny errors like mpin disable(which i just used 2 mins back) network erro(when i am working on 100 mbps wifi)/server down can not connect .. full of bugs… could have been a very good app alas its LIC.. . no banking app does this .. you are dealing with money and your app has to be flawless .. not like ok i will work tomorrow.. developers may be 2 years old.. spend little more money and make a flawless app like axis/hdfc or any other bank.. which will make life easier for you and the customers.. ### 1/5 — LIC agents make Misleading Rating- Scammers *2024-09-01* LIC is actually a loss making investment- How? Lic is like a EMI which must have to pay or u will get a fine & after that u won’t get your money in middle if any emergency if get then only 75%, it’s your own hard earned money but u won’t have ownership when LIC take it uses it, & after 12-15 years your own money LIC gives u back in installments/ a big amount with small intrest (if ur good at maths u know) & with every premium ur giving 4-5% gst which means u have already pay them earned intrest. With current inflation they are not even giving you a rupee, so that even a 2nd savings account gives u yearly 4.5% intrest without any gst & open window for emergency is better than LIC. So these LIC uncles in our neighbour or family members are actually fooling you for their job. About this app, its just a worst of time everywhere only problems are there u won’t get any helpful/ useful actions or information here just those LIC agents/ uncles make this rating too high which is definitely misleading. ### 2/5 — Application stops responding *2024-06-29, version 1.2.7* Most of the times app won’t respond and just loading and payment won’t proceed, need to develop app to multiple policy selection. It is becoming a pain to do process of payment need to do procedure atleast 3 times to go through and common guys app stop responding and i cant do the payment for sometime again we need to wait for sometime to do the payment. Rectify the errors plz ### 1/5 — Does not even login *2024-04-08* App does not even login. Web portal dont work for NRI’s and asking to register for NEFT/PAN although it is already updated for policy. As an alternative tried mobile app which is poorly designed and logon page keep refreshing and dont even allow to enter credentials. How does NRI’s pay the insurance premium? ### 2/5 — App not working/loading *2024-03-25* This app is not working or loading in out of country. Might be security issues? Or any restrictions? Web UI is working fine. ## Most critical reviews (10 lowest-rated) ### 1/5 — Disappointing user experience bad technology and constant bugs *2026-08-06* Using this app feels like stepping back 15 years in software development. As India’s largest insurer, LIC urgently needs to modernize its digital tech stack. The app suffers from frequent server timeouts, login failures, broken navigation, and random session crashes. Simply trying to check policy details or complete a basic premium payment feels like a frustrating chore rather than a modern digital experience. Security shouldn't come at the cost of basic usability, and constant minor updates seem to fix nothing under the hood. LIC needs to stop patching outdated infrastructure and completely overhaul this app with modern mobile development standards, proper backend infrastructure, and a fluid UI/UX. Currently unusable. ### 1/5 — My experience with LIC Digital App - IOS platform - July 2026 *2026-07-31* I have installed this app sometime back and every time I open this it says VPN detected and refuses to open. I disabled VPN - using to secure for web browsing only not for apps - and tried. Still it is allowing me to login by different errors like try different login id, tried user name, opt etc .. all gave same answer try different ways to login. Their website which was very very good as I was able to see my policy details, now it is asking me to use mobile app. Now I am stuck. Companies like HDFC, Care Insurance all are working fine with my VPN on, and give same information but for LIC.. Digital First is completely a failure for LIC. Forcing customers to go to the LIC BRANCH. ### 1/5 — Very Poor Experience – Online Payment Feature is Broken *2026-07-22* I have been trying to pay my LIC premium through the app for the last 10 days, but the online payment feature simply does not work. The UPI payment option is poorly implemented. There is no field to enter a UPI ID, and the app only displays “Process” and “Cancel” without allowing the payment to proceed. As a result, I have been unable to complete my payment. It is disappointing that such a critical feature was released without proper testing. Customers rely on the app for timely premium payments, and failures like this can lead to unnecessary delays and inconvenience. Please thoroughly test the application before releasing updates. An app from an organization like LIC should provide a reliable and seamless user experience. ### 1/5 — LIC Digital App Not Displaying Policy Details *2026-07-18* I have been facing an issue with LIC Digital app for the last 1 month. The app keeps loading and does not display any of my LIC policy details. Despite multiple attempts, the information remains inaccessible This is very inconvenient for Customer who rely on the app to view policy information, premium details and other important updates. There has been no clear communication regarding the issue, making it difficult to understand whether this is technical problem or an international change I request LIC to solve this issue at the earliest and provide transparency on status of Customer policy information within app. A digital service should be reliable and readily accessible to policy holders ### 1/5 — Poor App and performance *2026-07-17* ⭐☆☆☆☆ One of the worst government apps I’ve ever used. The app is slow, buggy, and feels outdated. Basic tasks like logging in, viewing policies, or making payments often fail or take forever to load. The user interface is confusing and not user-friendly at all. Frequent errors, poor performance, and a frustrating experience make this app unreliable. For an organization as large as LIC, this level of digital service is disappointing. Please invest in proper testing, improve stability, and redesign the app with the user in mind. Until then, I cannot recommend it. ### 1/5 — One of the Worst Payment Experiences *2026-07-13* I had a very disappointing experience with the LIC Digital app. It is one of the worst financial apps I’ve used. The payment process is far from seamless—it frequently fails, gets stuck, or throws errors, making it frustrating to pay premiums on time. For an organization as large and trusted as LIC, customers expect a reliable and user-friendly digital experience. Unfortunately, the app feels slow, unstable, and poorly optimized. Instead of making payments easier, it creates unnecessary stress. LIC should urgently improve the app’s performance, fix payment issues, and thoroughly test updates before releasing them. Until then, I cannot recommend this app. ### 1/5 — Pathetic User Experience Unusable for a Fortune 500 Company! *2026-07-08* For a massive company like LIC, it is honestly embarrassing that they cannot build a basic, free-flowing mobile app in this day and age. You would expect a financial giant to have a secure and seamless digital platform, but this app feels like it was built a decade ago and completely abandoned. Here are the biggest issues I face constantly: Horrible Login & Biometric Errors: The biometric login (fingerprint/Face ID) almost never works. It constantly throws random errors, forcing me to manually type in my password or request an OTP every single time. Extremely Slow Performance: The app crawls at a snail's pace. Every single page takes forever to load, and it frequently freezes midway through checking policy details. Terrible UI/UX: The interface is laggy, clunky, and anything but smooth. Navigating between menus is a test of patience. It is incredibly frustrating to handle something as important as life insurance on an app this unreliable. Please hire competent developers and completely overhaul this app. Until then, it's completely useless ### 1/5 — Conflicting app *2025-12-09* Stupid app that does not let me use, unless I uninstall AnyDesk (which is a harmful/ conflicting app according to LIC). I know it’s a screen sharing app so for security purpose you can just warn us instead of forcing to uninstall it. What one day competitors like HDFC or TATA considers LIC as conflicting as ask to uninstall ?!? A good developer should give the user choice. A warning is enough to tell the customer of the conflicting app, forcing to uninstall is totally baseless. I use AnyDesk for my business purposes. Now I am def not going uninstall that. So I uninstalled LIC Digital instead. Really sad that the consumer is bound and does not have choice even in this modern age. ### 1/5 — Please make a good app like other private finance/banking apps. *2025-12-08* Dear lic, we are facing very much difficult in paying lic premiums and getting to know the due dates, due amount and etc. This app is worst of its kind. OTP wont work. App wont open. Login cant be done on time. Everything is old waste junk. Sorry to say this. LIC is a big company you should not have app like this… everyone is upgrading. Even non-banking companies very low customers bank/finance companies have a good functioning app. With new model fully functional app new customers will come, people will be encouraged to pay online. Payments will be done quickly since everyone has a busy life. You should make everyone’s life even more easy with your app. If you need any input contact me but please make excellent app with exceptional features which are not even available in any other. Please it’s a request. Sorry if you offended with my review but it is my view for my lic. ### 1/5 — Suboptimal App *2025-07-30* The app requires you to log in to your account, each time you use the app. Why doesn't my account stay "logged in", on my own phone is something I am unable to understand. Resetting the password every few months is another task in itself. For the DOB that needs to be filled, to reset the password - the app provides a weird keyboard without the "/" to separate the dd/mm/yyyy! Why! Why would you do that? The OTPs to reset the password arrive late. Payment options are quite limited and not saved, prompting you to fill details....yet again. The app just fills like a glorified Web page....nothing else. The company should take some tips from the banking apps available in India, on how to design a decent app. Truly frustrating experience to the core! ## Most praised reviews (10 highest-rated) ### 5/5 — Friendly User *2025-03-02, version 1.3.2* Is very convince and very easy to understand and friendly user and All in one request you incorporate depended Family members like Parents policies and other options for other policies whom taking care of. Thank you again ### 5/5 — Excellent App *2024-09-02* I registered all my policies digitally a few years ago, and this app has truly enhanced my experience. It brings all services under one roof, giving me complete control over premium payments, loan repayments, exploring new products, and accessing premium services. The inclusion of locators and calculators makes managing everything seamless. One standout feature is the precaution taken to lock the account until payment is validated, preventing double payments—a feature not commonly found in banking and credit card apps. Overall, this app puts all payments and services at your fingertips. Exceptional work! ### 5/5 — Extraordinary *2024-07-25, version 1.2.8* I have been using this app since I downloaded it and I appreciate this app again why because it has been saving time and energy. Nowadays I am updating myself with your new version of portal. Specially this app is helping me get all information at finger tips . It is not simply rather extremely super ### 5/5 — Login Issue *2024-07-09, version 1.2.8* Before app allows to login, since new update won’t able to login, It’s taking time after clicking login button and that’s it. Please fix the bug .! ### 5/5 — Simple but effective *2024-06-24, version 1.2.7* The app is very basic but I have always been able to make payments and update profile etc without any hassle. ### 5/5 — App is good but not overall LIC IT systems *2024-05-31, version 1.2.7* Have bee trying to login several numner of times. But all the attempts were failed. Sometimes captcha is not loading or long reload time with message unble to connect. Its a totally perplexing to use the app and even thru web. ### 5/5 — Typical sarkari App *2024-03-08, version 1.2.6* The app won’t even let me register ! I keep getting the “Cannot connect to server try again later” it’s been 3 hours and no change. I think the app is on holiday for Mahashivratri. ### 5/5 — App is good but there are glitches *2024-02-23, version 1.2.6* App need to solve the glitches happens when u open the open it will be blank you need to uninstall and reinstall for the app to work. This is second time, after first complaint it got fixed for sometime and now again its same. Am tierd of reinstalling multiple times. Please fix the issue. Otherwise app is good Easy to use. Also keeps the receipts paid so need not download them and loose. Small bugs here and there most times happens. Somtimes you dont get the receipt. Or a particular option doesn't open and it shows blank space. ### 5/5 — Mr prabhakar *2024-01-30, version 1.2.6* The portal is good but the response time for a query is very slow i have no idea the reason for this though i have high speed internet connection. Some times the response id taking more than one and half to two minutes. ### 5/5 — Must for all LIC customers *2024-01-18* It is a brilliant application by LIC where you can connect your family’s all policies under one userid and you can get your status nominee details claim details loan details and further more information under one app and you can pay premium from the app with premium receipt automatically generated. You cal also get information regarding various LIC plans. Top initiative by LIC. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*