LIC Nominee Change & Update in Ahmedabad
Nomination is the single cheapest thing you can do for your family and the single most common reason a claim gets stuck. It costs nothing, takes one form, and decides whether the money reaches your nominee in weeks or your legal heirs after a succession certificate.
It is also the detail that quietly goes stale: a nominee who has since died, a parent nominated on a policy that now belongs to a married son, a name misspelled at proposal. All three are fixable in a single branch visit.
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Who can be a nominee
- ·Any person can be nominated — spouse, child, parent, sibling. More than one nominee is allowed, with a share specified for each.
- ·A minor can be nominated, but a guardian must be named to receive the money on the minor’s behalf.
- ·A nominee can be changed at any time during the policy term by the policyholder. It is free and does not affect the policy.
- ·Under a policy endorsed to the Married Women’s Property Act, the beneficiaries are the wife and children and cannot be changed by the policyholder afterwards.
How to change the nominee
- 1Fill the nomination form LIC prescribes, available at the servicing branch and on licindia.in, quoting the policy number and the new nominee’s full name, date of birth, relationship and address.
- 2Attach the new nominee’s identity proof if the branch asks for it, and the policyholder’s own ID and PAN.
- 3Submit at the branch that services the policy — not necessarily the branch that sold it. If you have moved cities, the policy can be transferred to a local branch first.
- 4Collect written acknowledgement, and check after a few weeks that the nomination has actually been registered. An unregistered form is the same as no form.
The mistake most families make
A nominee is not automatically the legal heir. Nomination tells LIC who may receive the money; it does not override succession law.
- ·Where a valid nomination exists, LIC can pay the nominee and discharge itself — this is what makes settlement fast.
- ·Where there is no nominee, or the nominee died before the policyholder, LIC needs legal proof of who is entitled: a succession certificate, probate, or a legal heir certificate depending on the case. That process runs in months, not weeks.
- ·Where the nominee is a minor, the guardian named in the nomination receives the money. If no guardian was named, a guardianship certificate is needed.
- ·If family circumstances have changed — marriage, divorce, a death — review the nomination on every policy, not just the newest one.
Other details worth updating at the same time
- ·Address and mobile number, so LIC’s premium and maturity notices reach you
- ·Bank account and NACH mandate, to avoid a lapse caused by a failed auto-debit
- ·PAN, which is required for policies above the threshold and for maturity payouts
- ·Name correction after marriage, supported by a marriage certificate, gazette notification or affidavit
LIC Nominee Change & Update in Ahmedabad — common questions
Is there any charge to change the nominee in a LIC policy?
No. Changing a nomination is free. You only need the completed nomination form and, in some branches, identity proof for the new nominee. Anyone charging a fee for the form itself is not acting on LIC’s behalf.
Can I change the nominee after the policy matures?
No. Nomination can only be changed while the policy is in force. Once the maturity date is reached and the claim is due, the person already registered as nominee, or the legal heirs if none is registered, receive the money.
Is the nominee the owner of the money?
The nominee receives and holds the money. Where the nominee is the spouse, child or parent, LIC can pay and close the claim. In other cases the nominee may hold it as a trustee for the legal heirs, which is why the relationship matters. Nomination does not replace a will.
Can the nominee be changed on a policy sold by another agent?
Yes. Nomination and servicing belong to the policyholder, not the agent. Jigisha Kiran Shah handles nominee updates for LIC policies regardless of who sold them, and there is no charge for the help.
What happens next
- WhatsApp opens with your name, phone and goal filled in — press send there to reach Jigisha.
- You get a reply on WhatsApp or a call back, Mon–Sat, 9 AM–6 PM.
- First consultation is free — by phone, on WhatsApp, or in person at the Shela office.
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Check the official terms
Plan features on this page are simplified summaries. Benefits, bonus rates, eligibility and exclusions are set by LIC and can change — always read the current sales brochure and policy document before you buy.