# Smart Plus. vs LIC Digital

The clearest difference is ratings volume: LIC Digital at 1.6K against Smart Plus.'s 2. Smart Plus.'s advantage is rating (5.0 vs 4.8). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Smart Plus. holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: LIC Digital has 1.6K ratings behind it against 2, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on September 15, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | Smart Plus. | LIC Digital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/smart-plus/id1665033708/reviews)** | [4.8 (1.6K ratings)](https://appshunter.io/ios/app/lic-digital-nri/id6605939581/reviews) |
| Number of ratings | 2 | **1.6K** |
| Positive reviews | — | 15.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | Free | Free |
| Size | 87 MB | 104 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Steel City Securities Limited](https://appshunter.io/developer/1435142703) | [Life Insurance Corporation of India](https://appshunter.io/developer/1265071093) |

## What reviewers say

### Smart Plus.

[App page](https://appshunter.io/ios/app/smart-plus/id1665033708)

Buy and sell stocks with real-time quotes and updates. This finance app allows trading in equity, commodity, currency, and futures & options, with convenient online fund transfers. Access expert research and analysis on the go.

**Highlights:** Real-time stock quotes, Equity, Commodity, Currency, F&O trading, Online fund transfers, Expert research and analysis, Mobile trading on the go

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### LIC Digital

[App page](https://appshunter.io/ios/app/lic-digital-nri/id6605939581)

Access comprehensive information about life insurance products and portal services. Features include product details, plan brochures, premium calculation, benefit illustrations, and an office locator.

**Highlights:** Product information, Plan brochure downloads, Premium calculator, Benefit illustration, Apply for policy, Office locator

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- ⭐ Easy access to policy information

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔍 Difficult to navigate and use
- 🌐 Doesn't work well outside India
- ⏱️ Slow and unresponsive app
- 🤖 Poor customer service

**Reported bugs**

- App redirects to App Store to install NRI version when already installed
- Date input field not working properly
- Inability to proceed with online claims and payments

**Requested features**

- Improve app stability and performance
- Make the app more user-friendly and intuitive
- Enhance functionality for international users
- Provide better customer support


## Frequently asked questions

### Is Smart Plus. free?

Smart Plus. is free to download, with no in-app purchases.

### Is LIC Digital free?

LIC Digital is free to download, with no in-app purchases.

### Which has better reviews, Smart Plus. or LIC Digital?

Smart Plus. is rated higher. Smart Plus. averages 5.0 out of 5 from 2 ratings, while LIC Digital averages 4.8 from 1.6K ratings.

### Do Smart Plus. or LIC Digital have ads?

Neither Smart Plus. nor LIC Digital shows ads.

### Which is updated more often, Smart Plus. or LIC Digital?

Smart Plus. ships an update every 3 months, and LIC Digital every 3 months. Most recently, Smart Plus. was updated on September 15, 2026 and LIC Digital on September 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*