Losing a loved one is never easy, and in such moments, managing formalities like insurance claims can become emotionally and mentally exhausting. I am Shankar Krishna Sawant, a licensed Insurance Advisor with LIC of India, based in Bardez, North Goa, and I offer personal support in LIC death claim submissions.
Handling a death claim requires correct documentation, timely submission, and proper follow-up. I ensure that the nominee or legal heir gets the policy benefits without unnecessary delay. If you are a nominee on an LIC policy and need assistance with the claim process, I will make it as smooth as possible.
The LIC death claim process ensures that the sum assured and applicable bonuses reach the nominee after the unfortunate passing of the policyholder. This financial support helps the family cover:
Living expenses
Children’s education
Loan repayments
Funeral or hospital costs
Long-term financial stability
I help claimants avoid errors in paperwork or procedural delays, ensuring rightful and timely payouts.
The nominee named in the policy document is usually the primary claimant. If there is no nominee, the legal heirs may be eligible after producing valid documents.
I always verify policy records before starting the process, so there is no confusion or denial at later stages.
For a natural death, I request:
Original policy document
Death certificate from municipal authorities
Identity and address proof of the nominee
Cancelled cheque or bank passbook copy
Claim Form 3783 (provided by me or LIC office)
For accidental death, additional documents include:
FIR copy and Panchnama
Post-mortem report
Hospital records (if any)
I personally help the nominee gather, verify, and arrange all documents to meet LIC’s requirements.
I follow a simple and respectful approach:
Meet with the nominee and understand the case
Collect and verify all documents
Fill the necessary forms on behalf of the claimant
Submit the complete set to the LIC branch
Track the application until payment is settled
I handle everything professionally, so the nominee doesn’t have to deal with complicated forms or wait in queues.
I have seen claims get delayed due to:
Incomplete documents
Mismatch in nominee details
Missing policy bond
Unclear cause of death in certificate
Late submission of forms
I make sure none of these issues happen. I guide families with clarity and keep all communication clear with LIC officials.