Paying your LIC premium on time is very important to keep your policy active and your family financially protected. It keeps your life insurance policy active and ensures your family’s financial safety. But many policyholders face one common problem, they don’t always remember their login details for the LIC portal, or sometimes they just want a quick way to pay without going through a long login process.

The good news is that LIC allows you to pay LIC premium online without login. This facility is known as Pay Direct. It is simple, quick, and convenient for anyone who just wants to clear their dues in a few minutes.

Let’s understand step by step how you can do this, along with some important things to keep in mind.

Why Use “Pay Without Login”?

You might ask, if LIC already has an online portal, why would someone want to pay without logging in? Here are a few reasons:

• Forgotten login details: Many people forget their LIC username or password.

• One-time payment: If you just need to pay once and don’t want to create an account.

• Faster process: Without login, you can skip multiple steps and finish the payment quickly.

• Accessibility for elders: Older policyholders often prefer a simpler process without entering lots of details.

This option makes premium payment easier for everyone.

Step-by-Step Guide to Pay LIC Premium Without Login

Here is the full process explained in simple words:

1. Visit LIC’s Official Website

Go to the official LIC website. On the homepage, you will see the “Pay Premium” option.

2. Choose “Pay Direct (Without Login)”

Click on Pay Direct. This feature lets you pay directly without creating an account or logging in.

3. Select the Type of Payment

You will get different options such as:

• Renewal Premium / Revival

• Loan Repayment

• Loan Interest Payment

• Advance Premium

Most of the time, you will choose Renewal Premium if you are paying your regular installment.

4. Enter Your Policy Details

Fill in the following details carefully:

• Policy Number

• Installment Premium (excluding GST, you can check this in your policy document or last receipt)

• Date of Birth

• Mobile Number and Email ID

This step helps LIC identify your policy.

5. Verify the Details

After you submit, the system will show your policy details, like your name, due date, and premium amount. Double-check everything before you proceed.

6. Make the Payment

Now, you can choose how to pay. LIC allows multiple options such as:

• Debit Card

• Credit Card

• Net Banking

• UPI

• Wallet or QR Code

Pick whichever is convenient for you.

7. Get Your Receipt

Once the payment is successful, you will get a receipt instantly. You can download it or take a screenshot. You will also receive a copy via email.

That is it your premium is paid in just a few minutes!

Benefits of Paying Without Login

There are numerous benefits to using this method:

• No need to register: Anyone can use it, even first-time users.

• Quick process: Takes just 3–5 minutes.

• Safe and secure: LIC’s official site uses secure payment gateways.

• Works on mobile too: You can easily pay using your smartphone.

• Instant confirmation: Receipt is generated right after payment.

This is especially useful when the due date is near and you don’t have time to reset login credentials.

Things to Keep in Mind

While this method is very convenient, here are some tips to make the process smoother:

1. Always use the official LIC website — avoid third-party links to stay safe.

2. Enter details carefully — a small mistake in policy number or date of birth will show an error.

3. Check your email — LIC sends receipts and confirmation there.

4. Know your due date — paying on time avoids late fees or policy lapse.

5. Save the receipt — keep a copy in case you ever need proof of payment.

Example to Understand Better

Imagine this:

Ramesh, a school teacher, has an LIC endowment policy. His premium was due tomorrow, but he forgot his login ID and password for the LIC portal. Instead of panicking, he went to LIC’s website, clicked on Pay Direct, entered his policy number and date of birth, and paid via UPI in just 5 minutes. He instantly got a receipt on his phone.

This is exactly how convenient the “without login” option can be.

Other Ways to Pay LIC Premiums Online

Apart from the “Pay Direct” method, LIC also offers other ways:

• Customer Portal (with login): Best if you manage multiple policies.

• LIC’s mobile app: Pay directly using your phone.

• Some UPI apps, such as PhonePe, Google Pay, and Paytm, enable the payment of LIC premiums.

• Authorized banks: Net banking with selected banks also supports LIC premium payment.

But among all, Pay Direct remains the easiest for quick one-time use.

Why Square Insurance Recommends This

According to Square Insurance, the Pay Direct feature is perfect for customers who want a quick, no-hassle experience. It saves time and makes sure your policy never lapses due to delays.

They also suggest comparing different payment methods and choosing the one that suits your comfort level.

Conclusion

It should never feel burdensome to pay your LIC premium. Thanks to LIC’s without login payment option, you can clear your dues in minutes, no accounts, no passwords, no stress.

All you need is:

• Your policy number

• Premium amount

• Date of birth

• Mobile and email details

With that, you are ready to pay securely through debit/credit card, net banking, or UPI. Once the payment is done, your receipt arrives instantly, giving you peace of mind.

So, next time you need to pay your LIC premium quickly, remember the Pay Direct option; it is simple, safe, and super convenient.

And if you ever need help understanding LIC policies, comparing plans, or finding better insurance options, Square Insurance can guide you through the process with expert advice.