# LIC Digital vs KMS Smart

The clearest difference is in-app purchases: LIC Digital at none against KMS Smart's 1. LIC Digital also leads on ads (none vs shown) and ratings volume (1.6K vs 5). KMS Smart's advantage is update cadence (monthly vs every 3 months) and rating (5.0 vs 4.8). On price, device support and iOS requirement there is nothing between them.

Both are free to download. KMS Smart sells 1 one-off in-app purchase. LIC Digital asks for nothing beyond the download.

KMS Smart 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 5, so its average is the more settled of the two.

LIC Digital ships an update every 3 months, KMS Smart monthly. The most recent releases landed on October 19, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | LIC Digital | KMS Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.6K ratings)](https://appshunter.io/ios/app/lic-digital-nri/id6605939581/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/kms-smart/id6760982133/reviews)** |
| Number of ratings | **1.6K** | 5 |
| Positive reviews | 13.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 104 MB | 30 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Life Insurance Corporation of India](https://appshunter.io/developer/1265071093) | [Manikanth Muthuvarapu](https://appshunter.io/developer/1886981931) |

## What reviewers say

### 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


### KMS Smart

[App page](https://appshunter.io/ios/app/kms-smart/id6760982133)

Discover personalized welfare schemes and income opportunities based on your profile. This AI-powered platform helps Indian citizens identify eligibility for government programs, understand potential benefits, and find relevant earning avenues. It provides step-by-step application guides and policy updates.

**Highlights:** AI-powered scheme eligibility assessment, Personalized benefit score and estimates, Step-by-step application guides, Income and earning opportunity identification, Browse over 670 welfare schemes, Latest policy and budget updates, Multi-language support (English, Hindi, Telugu, Kannada)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| KnowMySchemes Pro | $14.99 | one-time |


## Frequently asked questions

### Is LIC Digital free?

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

### Is KMS Smart free?

KMS Smart is free to download, with in-app purchases available.

### Which has better reviews, LIC Digital or KMS Smart?

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

### Do LIC Digital or KMS Smart have ads?

KMS Smart shows ads; LIC Digital does not.

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

LIC Digital ships an update every 3 months, and KMS Smart monthly. Most recently, LIC Digital was updated on October 19, 2026 and KMS Smart on October 6, 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.*