Becoming an LIC Merchant isn’t as simple as signing up online — it requires visiting a branch, completing a 25-hour LIC training programme, and clearing the IRDAI exam with a minimum 40% score before receiving an appointment letter and merchant code. Most login guides skip this entirely and jump straight to “how to log in,” leaving out how merchants get there in the first place.
LIC Merchant Portal — an official platform by Life Insurance Corporation of India for authorized merchants to collect premiums, manage invoices, view policy details, and service customers on LIC’s behalf.
Official Portal: merchant.licindia.in
Quick Answer: Login: merchant.licindia.in → User ID + Password + Captcha → Submit Forgot password: Click “Forgot Password” → enter User ID + registered email → new password sent to email Becoming a merchant: Visit your nearest LIC branch → meet the Development Officer → complete 25-hour training → pass IRDAI exam (40%+) → receive merchant code Support: [email protected] / [email protected] | 022-67090501 / 022-67090502
⭐ Merchant vs Agent — Not the Same Role
| LIC Merchant | LIC Agent | |
|---|---|---|
| Primary focus | Premium collection, invoice/receipt management, policy servicing | Policy sales, new business, commissions |
| Portal | merchant.licindia.in | Separate agent-specific systems |
The terms are sometimes used interchangeably in casual conversation, but they refer to genuinely different functional roles within LIC’s ecosystem.
⭐ How to Become an LIC Merchant
Step 1: Visit your nearest LIC branch and meet the Development Officer
Step 2: Submit required documents and express interest in the merchant role
Step 3: Attend the interview arranged by LIC
Step 4: Complete the 25-hour training programme conducted by LIC
Step 5: Register for and pass the IRDAI exam with a minimum score of 40%
Step 6: Receive your appointment letter along with a unique merchant code
Step 7: Use this code/credentials to access merchant.licindia.in
Login — Step by Step
Step 1: Visit merchant.licindia.in
Step 2: Enter your User ID and Password
Step 3: Enter the Captcha shown
Step 4: Click Submit
If the page is slow, try off-peak hours or clear your browser cache.
Forgot Password
Step 1: On the login page, click “Forgot Password”
Step 2: Enter your User ID and registered email ID
Step 3: LIC sends a new password to your registered email
Step 4: Log in with the new password (change it to something memorable but secure afterward)
To update your email ID: Login → “Update Email ID to get OTP” → follow the on-screen steps to add/change your email
Services Available After Login
| Function | Detail |
|---|---|
| Premium Collection | Accept cash/digital payments, generate instant receipts |
| QR Code/UPI Payment | Collect premiums via UPI-based QR scanning |
| Invoice Management | Create, update, and pay invoices through net banking |
| Policy Details | Check status, due dates, loan status, surrender value |
| MIS Reports | Generate management information reports |
| Transaction History | Track daily collections and full payment logs |
⭐ Official LIC Apps Ecosystem
Beyond the web portal, LIC offers several dedicated apps that work alongside merchant operations:
| App | Purpose |
|---|---|
| LIC Agent App | Track policies, claims, renewals, schedule tasks |
| LIC Pragati App | For development officers — monitor team performance |
| LIC Associate App | Merchants track performance, renewals, business insights |
| LIC ANANDA App | Digital KYC submission and eKYC processes |
| Super Sales Sathi App | Lead management, interaction tracking, sales conversion |
⚠️ Security Warning — Phishing Awareness
Only access the portal at merchant.licindia.in — never enter credentials on any other site. Never share your User ID, password, or OTP with anyone, including people claiming to be from LIC. Enable two-factor authentication if available, and avoid accessing the portal over public Wi-Fi.
Common Login Errors and Fixes
| Error | Fix |
|---|---|
| Invalid credentials | Double-check User ID and password carefully |
| Captcha not working | Refresh the page or try a different browser |
| Site not loading | Try a different browser/device, or off-peak hours |
| Account locked | Contact LIC support/your branch to unlock |
Grievance Escalation
Step 1: Email [email protected] with your User ID, merchant code, branch name, and a clear description of the issue (include screenshots if relevant)
Step 2: Note your acknowledgement number
Step 3: Use this number to track your complaint status on the portal
Support Contacts
| Purpose | Contact |
|---|---|
| Technical/Portal Issues | [email protected] or [email protected] |
| Phone (Mumbai/Central LIC) | 022-67090501 / 022-67090502 |
| Grievance Redressal | [email protected] |
| Local support | Your LIC branch/regional office (manages your merchant code and access) |
FAQ
How do I become an LIC Merchant? Visit your nearest LIC branch, meet the Development Officer, complete the 25-hour LIC training programme, pass the IRDAI exam (40%+), and receive your appointment letter with a unique merchant code.
What is the official LIC Merchant Portal URL? merchant.licindia.in — never enter credentials on any other site claiming to be this portal.
Is LIC Merchant the same as LIC Agent? No — merchants primarily focus on premium collection and policy servicing, while agents focus on policy sales and commissions, though the terms are sometimes used loosely in conversation.
How do I reset a forgotten password? Click “Forgot Password” on the login page, enter your User ID and registered email, and LIC will send a new password to that email.
Can policyholders use the Merchant Portal directly? No — this is restricted to LIC-authorized merchants, agents, and intermediaries only.
What support contacts are available for technical issues? [email protected], [email protected], or call 022-67090501/022-67090502.
Official Links
| Purpose | Link |
|---|---|
| LIC Merchant Portal | merchant.licindia.in |
| LIC Main Site | licindia.in |
| Support Email | [email protected] |
The genuine path to becoming an LIC Merchant — branch visit, structured training, and a regulatory exam — reflects that this is a position of real trust and responsibility, not simply an account anyone can self-register for online.
If you’re an LIC Merchant, bookmark merchant.licindia.in specifically and remain alert to phishing attempts using LIC’s name — and if you’re considering becoming one, start with a visit to your nearest LIC branch rather than searching for an online signup form that doesn’t exist.
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