I need help!!

sayandeb

KF Expert
On August 3, 2024, my father passed away. He had purchased a term insurance policy at the age of 46 on June 7, 2022. Because this was an early claim, the LIC caused a significant delay in processing it, and my mother received the claim on July 28, 2025.

The policy was facilitated by my father's sister, who is an LIC agent. While I acknowledge her efforts in getting the claim approved, I believe it was her ethical duty to do so. It has come to my attention that she may have informed her superiors that my mother would invest a portion of the claim amount, specifically 5 lakhs from the total claim of 25 lakhs, in an LIC pension policy, Jeevan Akshay VII Option F, if the claim was approved. However, I have expressed to my aunt that we do not wish to make any investments with LIC. Despite my repeated refusals, her superiors are now pressuring her to secure a policy, which is causing her emotional distress as they are making statements that she finds unacceptable.

The agent is attempting to influence my mother's decisions through emotional appeals. While this is a family matter, my primary concern is protecting my mother's financial interests, specifically regarding LIC investments. I am not interested in pursuing any further investments with LIC at this time.

Furthermore, her superior informed her that, due to her persistent efforts in persuading my mother to make a future investment from the fund, the claim would be processed swiftly, or it would take over two years. Despite our compliance with all requirements, including verification and office visits, the LIC authorities are still delaying this claim. Could anyone (@TaxWiser @zacobite ) please offer assistance or suggestions?
 
I'm sorry you're going through this, these are the few things that you can do now

1. Document Everything​

  • Write a timeline of events: dates of purchase, claim filing, conversations, delays, etc.
  • Keep screenshots, emails, WhatsApp chats, call logs, etc., especially where investment pressure was discussed.

2. Send a simple written communication (email or WhatsApp) from your mother to your Agent ( in this case your Aunt)​

“We are grateful for the claim settlement. However, we are not interested in making any investments with LIC or its agents. Please do not contact us further regarding this.”
This protects you if they later claim you agreed.

3. Raise a Complaint to LIC Grievance Cell (MUST DO NOW)​

  • File a complaint at this email - co_complaints@licindia.com
  • Mention:
    • Misuse of influence.
    • Emotional pressure on a bereaved family.
    • Delay in early claim settlement despite full documentation.
    • Attempted mis-selling under Jeevan Akshay VII by falsely claiming it as a condition for faster claim processing.
Attach all documents & clearly state you do not wish to make any LIC investment.

4. Escalate to IRDAI (Insurance Regulator)

If LIC does not act, escalate to IRDAI:
  • Email: complaints@irdai.gov.in
  • Toll Free number - 155255 OR 1800 4254 732
  • Use your LIC complaint reference number.
  • IRDAI takes such complaints very seriously, especially around mis-selling and manipulation
 

sayandeb

KF Expert
I'm sorry you're going through this, these are the few things that you can do now

1. Document Everything​

  • Write a timeline of events: dates of purchase, claim filing, conversations, delays, etc.
  • Keep screenshots, emails, WhatsApp chats, call logs, etc., especially where investment pressure was discussed.

2. Send a simple written communication (email or WhatsApp) from your mother to your Agent ( in this case your Aunt)​


This protects you if they later claim you agreed.

3. Raise a Complaint to LIC Grievance Cell (MUST DO NOW)​

  • File a complaint at this email - co_complaints@licindia.com
  • Mention:
    • Misuse of influence.
    • Emotional pressure on a bereaved family.
    • Delay in early claim settlement despite full documentation.
    • Attempted mis-selling under Jeevan Akshay VII by falsely claiming it as a condition for faster claim processing.
Attach all documents & clearly state you do not wish to make any LIC investment.

4. Escalate to IRDAI (Insurance Regulator)

If LIC does not act, escalate to IRDAI:
  • Email: complaints@irdai.gov.in
  • Toll Free number - 155255 OR 1800 4254 732
  • Use your LIC complaint reference number.
  • IRDAI takes such complaints very seriously, especially around mis-selling and manipulation
Thank you so much for a detailed guidance.
 
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