My father’s two LIC policies lapsed due to non-payment of dues for a year and two respectively. But when we realized about the lapsed policies and wanted to revive immediately. I bought the required forms and got the medical test done, all the required documents ready.
The LIC office takes all the documents revive the policy which has 15 years of payment left and reject the policy which is mature in a year.
When inquired they said, the documents were not complete and needed to do another medical test done.
After 4 rounds to the Fort office; every time they manage to ask for additional documents; they revive the policy with less than originally submitted documents as the officer changed.
At the same time, not one of the army of LIC agents was able to help either.