Managing your policy online through the customer portal of Life Insurance Corporation of India is convenient and time-saving. You can check policy details, pay premiums, download receipts, and track transactions from the comfort of your home.

However, many users sometimes face login problems—especially related to OTP (One-Time Password) and password errors during LIC Customer Portal Login. These issues can be frustrating, particularly when you need urgent access to your policy details.

In this detailed guide, we will explain why these errors happen and how you can solve them easily with simple, practical steps.

Understanding OTP and Password Errors

Before solving the issue, it is important to understand what these errors mean.

  • OTP Error: This usually happens when you do not receive the OTP on your registered mobile number or email, or when you enter an incorrect or expired OTP.
  • Password Error: This occurs when the system does not accept your password, often due to incorrect entry, forgotten password, or account lock.

Most login issues are temporary and can be resolved quickly by following the right steps.

Common OTP Problems and Their Solutions

1. OTP Not Received on Mobile

This is one of the most common issues.

Possible Reasons:

  • Poor network signal

  • Incorrect registered mobile number

  • DND (Do Not Disturb) settings

  • Technical delay from the server

How to Fix It:

  • Check your mobile network signal and ensure it is stable.

  • Wait for at least 1–2 minutes before requesting another OTP.

  • Restart your phone and try again.

  • Ensure your registered mobile number is active.

  • If your number has changed, update it through proper policy servicing channels.

Avoid clicking the “Resend OTP” button repeatedly within seconds, as this may delay the process further.

2. OTP Expired

An OTP is usually valid for a short time. If you take too long to enter it, the system may show “OTP Expired.”

Solution:

  • Click on “Resend OTP.”

  • Enter the new OTP immediately after receiving it.

  • Do not switch between apps while waiting for the OTP, as delays may cause expiry.

3. Incorrect OTP Entered

Sometimes users accidentally enter the wrong digits.

Tips:

  • Double-check the numbers before submitting.

  • Ensure you are entering the latest OTP, not a previous one.

  • Avoid copying extra spaces while pasting OTP (if applicable).

4. Registered Mobile Number Not Updated

If your registered mobile number is outdated, you may not receive OTP at all.

What to Do:

  • Update your mobile number in your policy records.

  • Visit your nearest branch office if online updating is not available.

  • Keep your email ID updated as an additional communication channel.

Keeping contact details updated helps avoid OTP-related problems in the future.

Common Password Errors and How to Solve Them

1. Incorrect Password

This is the most frequent login issue.

Possible Causes:

  • Typing mistakes

  • Caps Lock turned on

  • Extra spaces before or after the password

  • Using an old password

How to Fix:

  • Re-enter the password carefully.

  • Turn off Caps Lock and check keyboard settings.

  • Try typing the password manually instead of copy-pasting.

  • Ensure there are no spaces added unintentionally.

2. Forgot Password

If you do not remember your password, do not panic.

Steps to Reset Password:

  • Click on the “Forgot Password” option.

  • Enter your User ID or policy details.

  • Verify using OTP.

  • Create a new strong password.

When creating a new password:

  • Use a mix of letters, numbers, and special characters.

  • Avoid using easy combinations like your date of birth.

  • Do not reuse old passwords.

3. Account Locked Due to Multiple Failed Attempts

If you enter the wrong password several times, your account may get temporarily locked for security reasons.

Solution:

  • Wait for some time (usually 30 minutes).

  • Try again after the lock period.

  • Use the password reset option if needed.

This security feature protects your account from unauthorized access.

4. Password Not Meeting Criteria

While setting a new password, you might see an error if it does not meet required guidelines.

Tips:

  • Follow the minimum character requirement.

  • Include at least one uppercase letter.

  • Add at least one number.

  • Include a special symbol (if required).

Always read the password guidelines displayed on the screen.

Browser and Technical Issues That Affect Login

Sometimes the problem is not with OTP or password but with technical settings.

1. Browser Cache Issue

Old browser cache may interfere with login.

Solution:

  • Clear browser cache and cookies.

  • Restart the browser.

  • Try logging in again.

2. Unsupported Browser

Using outdated browsers can cause errors.

Solution:

  • Update your browser to the latest version.

  • Try accessing the portal from a different browser.

3. Slow Internet Connection

A weak internet connection can interrupt OTP verification.

Solution:

  • Switch to a stable Wi-Fi network.

  • Avoid using public networks for login.

  • Restart your router if necessary.

Safety Tips While Fixing Login Issues

When dealing with OTP and password problems, keep these safety tips in mind:

Never share OTP with anyone.

  • Do not reveal your password to others.

  • Avoid responding to suspicious calls asking for login details.

  • Always log in through the official website only.

  • Log out after completing your task.

Security should always come first while accessing financial information.

When to Contact Support

If you have tried all the steps and still cannot log in, you may need assistance.

You should consider contacting official support if:

  • OTP is not received even after multiple attempts.

  • Your account remains locked for a long time.

  • Policy details are not visible after login.

  • You suspect unauthorized access.

Explain your issue clearly and keep your policy number ready for faster resolution.

How to Avoid Login Issues in the Future

Prevention is always better than fixing problems repeatedly.

Here are some simple habits to follow:

  • Keep your mobile number and email updated.

  • Store your password securely in a safe place.

  • Do not attempt multiple incorrect logins.

  • Use a strong but memorable password.

  • Ensure your mobile network is active before requesting OTP.

Regularly checking your login credentials can prevent last-minute stress, especially during premium payment or tax filing season.

Conclusion

Facing OTP and password errors while logging into the LIC customer portal can be inconvenient, but most issues are minor and easily fixable. Whether it is an expired OTP, incorrect password, or temporary account lock, following the right steps can help you regain access quickly.

Always stay calm, carefully recheck your details, and use the password reset option when needed. Maintaining updated contact information and practicing good digital security habits will make your online experience smooth and hassle-free.

With proper awareness and simple troubleshooting steps, you can confidently manage your policy online without worrying about login errors.