Can I have more than one nominee for my policy?

Yes, you can name multiple nominees and specify the percentage share of the claim amount for each person clearly.

What is the fee for changing a nominee online?

Most insurers charge a nominal administrative fee ranging from ₹50 to ₹100 as per the guidelines set by IRDAI.

Does LIC allow nominee changes through their website?

LIC generally requires a physical submission of Form 3750 at the home branch, though some digital requests are being introduced.

Is an OTP required for online nominee changes?

Yes, private insurers use OTP-based authentication on your registered mobile number to ensure the request is genuine and secure.

What happens if I don't name an appointee for a minor?

The insurer cannot pay the claim to a minor directly; your family would need a court-issued guardianship certificate to proceed.

Can I change my nominee after the policy has matured?

No, nominee changes are only allowed during the policy term while the policy is active and before a claim occurs.

How to Change Insurance Nominee Online: A Step-by-Step Guide

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Changing your Nominee online: A 2-minute guide for all insurers

Your life changes, and your insurance should too. Here is how to update your nominee online without the headache.

3 min read

OneAssure Team

April 13, 2026

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Looking for the right plan? You don't have to guess. Let us compare the fine print for you and give you an unbiased recommendation.

Need advice tailored to you?

Looking for the right plan? You don't have to guess. Let us compare the fine print for you and give you an unbiased recommendation.

Imagine Rahul. He bought a term plan at 24 when he started his first job in Bengaluru. He named his mother as the nominee. Fast forward seven years. Rahul is married and has a toddler. If something happens to him tomorrow, his mother remains the legal recipient of the claim money. While his family might be close, his wife would have no direct legal claim to that money in the insurer's records. This leads to avoidable family friction and legal hurdles during an already tough time.

The Beneficial Nominee rule you should know

In India, a nominee was traditionally just a trustee. They held the money until the legal heirs claimed it. That changed. According to the Insurance Laws (Amendment) Act, 2015, if you name your spouse, children, or parents as nominees, they are beneficial nominees. This means they own the money. No other legal heir can snatch it from them. If you still have a sibling or a friend as a nominee from your bachelor days, change it. It ensures your immediate family is protected without court cases.

Private vs. LIC: The digital reality

Most private insurers like HDFC Life, ICICI Prudential, or Max Life have made this incredibly easy. You just log into their customer portal. You will need your policy number and your registered mobile phone for an OTP. It takes less time than ordering a pizza. You enter the new details, upload a scan of the nominee's ID, and you are done.LIC is a bit different. While they are digitizing fast, many nominee changes still require a physical visit. You usually need to submit Form 3750 at your home branch. It is a bit old-school but necessary. If you cannot visit, check if your specific LIC portal access allows a digital request, but keep the physical form ready just in case. OneAssure helps users track these policy details in one place, making it easier to spot when an update is due.

Documents you need on your phone

Do not start the process without these. You will need scanned copies or clear photos of the new nominee's Aadhaar card and PAN card. The name on your policy must match their government ID exactly. Even a small spelling error like 'Smit' instead of 'Sumit' can lead to a rejected claim years later. Double-check the date of birth too. Accuracy today prevents a nightmare tomorrow.

Naming a child? Don't forget the Appointee

You might want your life insurance money to go to your daughter. That is great. But if she is under 18, she cannot legally receive the money. You must name an appointee. This is an adult who will receive the money on behalf of the minor. Usually, people choose their spouse or a trusted grandparent. If you forget to name an appointee for a minor nominee, the claim process gets stuck in the guardian certificate phase at the civil court. Avoid that mess.

Small fees and big mistakes

IRDAI allows insurers to charge a small fee for changing a nominee. It is usually between ₹50 and ₹100. It is a tiny price for peace of mind. You can change your nominee as many times as you want. There is no limit. If you get divorced, remarried, or have another child, update it. Always download the acknowledgment slip after you finish the online update. Save it in a folder your spouse can access. An updated nominee in the system is useless if the family does not know about the change. Also, consider the recent removal of GST on term insurance premiums. While it makes your policy cheaper, the real value lies in the accuracy of the nominee details. Check your policy every year on your birthday. It is the best gift of security you can give your family.