LIC Aam Aadmi Bima Yojana (Apply)

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The LIC Aam Aadmi Bima Yojana (AABY) stands as a beacon of hope for India’s unorganized sector, offering a safety net to those who tread the tightrope of financial insecurity every day. Launched in 2007 by the Life Insurance Corporation of India, this government-backed scheme aims to provide affordable life insurance to the economically weaker sections of society. It’s a gesture that underscores the importance of safeguarding the lives and livelihoods of those who form the backbone of India’s economy yet remain on the fringes of financial stability.

LIC Aam Aadmi Bima Yojana
Name of the SchemeAam Aadmi Bima Yojana (AABY)
Announced On2007
StatePan India
Initiated ByGovernment of India, administered by the Life Insurance Corporation of India (LIC)
BeneficiariesEconomically weaker sections of the society in the unorganized sector
ObjectiveTo provide affordable life insurance coverage and financial support to the beneficiaries
Registration Process1. Visit the nearest Aam Aadmi Bima Yojana center or insurance agent. 2. Fill in the application form with personal, income, occupation, and bank details. 3. Attach necessary documents (Aadhaar card, age proof, address proof, bank account details, income certificate, occupation proof). 4. Submit the application form and documents. 5. Upon verification, a policy certificate will be issued and sent to the applicant’s address.
Official Website

Overview of LIC Aam Aadmi Bima Yojana

At its core, the LIC Aam Aadmi Bima Yojana is more than just an insurance policy; it’s a lifeline for millions. Administered by the Life Insurance Corporation of India, this scheme is tailored for individuals working in the unorganized sector, such as farmers, fishermen, and artisans. For a nominal premium, it offers financial protection against death and disability, ensuring that the families of the insured do not face financial destitution in the wake of a tragedy.

Objectives of LIC Aam Aadmi Bima Yojana

The objectives of the LIC Aam Aadmi Bima Yojana are straightforward yet profound, aimed at providing a financial cushion to the most vulnerable sections of society. These objectives include:

  • Financial Security: To offer financial protection against the loss of income due to the death or disability of the primary breadwinner.
  • Family Support: Ensuring that the families of the insured can maintain their standard of living in the event of an unforeseen tragedy.
  • Educational Support: The scheme includes a scholarship benefit for the children of the insured, promoting education as a pathway out of poverty.
  • Inclusivity: Making life insurance accessible to those who are often excluded from traditional insurance products due to their socio-economic status.
  • Empowerment: By providing a safety net, the scheme empowers individuals to take risks and pursue opportunities that they might otherwise avoid due to the financial risks involved.

Eligibility Criteria for LIC Aam Aadmi Bima Yojana

The LIC Aam Aadmi Bima Yojana (AABY) is designed to be inclusive, ensuring that it serves those who need it the most – the economically weaker sections of the society working in the unorganized sector. Understanding the eligibility criteria is crucial for anyone looking to benefit from this scheme. Here’s a breakdown of the main eligibility requirements:

  • Age Limit: To be part of this scheme, the individual must be aged between 18 and 59 years. This age bracket ensures that the earning members of a family, who are most likely to be the primary breadwinners, are covered.
  • Economic Status: The scheme specifically targets families that fall under the economically weaker section. It’s aimed at individuals and families living below the poverty line or marginally above it, ensuring that those who cannot afford traditional life insurance are given a chance to secure their families’ futures.
  • Occupational Criteria: Given that the scheme is for the unorganized sector, it covers a wide range of occupations. This includes landless laborers, manual workers, artisans, and others who do not have formal employment or access to social security benefits. The idea is to cover those who are most vulnerable to financial instability due to the precarious nature of their work.
  • No Other Social Security Coverage: Applicants should not be covered by any other social security scheme. This criterion ensures that the benefits of AABY reach those who have no other form of life insurance or social security, thereby avoiding duplication and ensuring efficient use of resources.
  • Primary Breadwinner: The scheme often prioritizes the primary breadwinner of the family, aiming to provide a safety net for the family in the event of their death or disability.

Meeting these criteria is the first step towards securing the benefits offered by the AABY. It’s a straightforward process designed to ensure that help reaches those who need it most, without unnecessary complications. For those interested in applying or seeking more information, visiting the official LIC website at or contacting the provided phone number (+91-22-68276827) can provide further guidance and support. This initiative is a critical component of India’s social security system, offering a lifeline to millions of families across the country.

Benefits of LIC Aam Aadmi Bima Yojana

The LIC Aam Aadmi Bima Yojana is a beacon of hope for many families across India, offering a range of benefits designed to provide financial security and peace of mind. The key benefits include:

  • Financial Assistance in Times of Need: In the unfortunate event of the death of the insured, the family receives a sum that can help them manage their immediate financial needs.
  • Support for Partial and Permanent Disability: The scheme recognizes the financial strain that a disability can cause, offering coverage to mitigate this.
  • Educational Support for Children: Recognizing the importance of education, the scheme provides scholarships to the children of the insured, helping them to continue their studies without financial burden.
  • Affordable Premiums: The premium for the scheme is highly affordable, with the cost being shared between the central government, the state government, and the beneficiary, making it accessible to all eligible individuals.

Registration Process for LIC Aam Aadmi Bima Yojana

Joining the LIC Aam Aadmi Bima Yojana is straightforward, ensuring that it reaches as many eligible beneficiaries as possible. Here’s how you can register:

  1. Find Your Nearest Center: Start by locating the nearest LIC office or authorized Aam Aadmi Bima Yojana agent.
  2. Fill Out the Application Form: You’ll need to provide details about your personal information, income, occupation, and bank account.
  3. Submit Required Documents: Along with your application, you’ll need to provide several key documents (detailed in the next section).
  4. Verification and Policy Issuance: Once your application and documents are verified, a policy certificate will be issued to you.

Required Documents for LIC Aam Aadmi Bima Yojana

To ensure a smooth registration process, you’ll need to gather a few critical documents. These include:

  • Aadhaar Card: For identity verification.
  • Age Proof: This could be a birth certificate, school leaving certificate, or any other government-issued document that verifies your age.
  • Address Proof: Documents like a utility bill, driving license, or passport that confirm your current address.
  • Bank Account Details: To facilitate the transfer of benefits, you’ll need to provide your bank account details, including the IFSC code.
  • Income Certificate: To prove eligibility based on income criteria.
  • Occupation Proof: A document that verifies your employment in an eligible occupation.

Challenges and Solutions in Implementing LIC Aam Aadmi Bima Yojana

While the LIC Aam Aadmi Bima Yojana has been a lifeline for many, its implementation has not been without challenges. These include:

  • Awareness: One of the biggest challenges is ensuring that all eligible individuals are aware of the scheme and its benefits.
  • Accessibility: Making the registration process accessible to everyone, especially those in remote areas, is crucial.
  • Documentation: The requirement for multiple documents can be a barrier for some individuals.

Solutions to these challenges include:

  • Increasing Awareness: Through community programs, social media, and partnerships with local organizations, the government and LIC can enhance awareness of the scheme.
  • Simplifying the Registration Process: Streamlining the registration process and allowing for online applications can make it easier for people to join.
  • Assistance in Documentation: Providing assistance in gathering the required documents, especially in rural and remote areas, can help more people benefit from the scheme.

The LIC Aam Aadmi Bima Yojana is more than just an insurance scheme; it’s a critical component of India’s social security net, offering hope and support to those who need it most. By addressing the challenges and continuing to improve the scheme, it can reach even more beneficiaries and make a significant impact on the lives of India’s unorganized sector workers.

Future Directions of LIC Aam Aadmi Bima Yojana

As we look ahead, the LIC Aam Aadmi Bima Yojana (AABY) is poised for further evolution to meet the changing needs of India’s unorganized sector. The scheme’s future directions could include:

  • Expanding Coverage: Efforts could be made to include more occupational categories under the scheme’s umbrella, ensuring wider protection for India’s workforce.
  • Enhancing Benefits: Considering the rising cost of living and education, there could be an increase in the financial benefits and scholarship amounts provided to the beneficiaries and their families.
  • Digital Integration: Leveraging technology to streamline the registration process, making it easier and more accessible for applicants. This could include online applications, digital submission of documents, and quick verification processes.
  • Awareness Campaigns: Conducting widespread awareness campaigns, especially in rural and remote areas, to ensure that every eligible individual is aware of the scheme and its benefits.
  • Feedback Mechanism: Establishing a robust feedback mechanism to continuously improve the scheme based on the beneficiaries’ experiences and needs.

Also check: Jharkhand Mukhyamantri Shramik Rojgar Yojana


The LIC Aam Aadmi Bima Yojana stands as a testament to the Indian government’s commitment to providing a safety net for the economically weaker sections of the society. Since its inception in 2007, the scheme has offered a beacon of hope to millions, ensuring financial support in times of need. With affordable premiums, a simple registration process, and significant benefits, AABY has made life insurance accessible to the masses.

As we move forward, it’s crucial that the scheme continues to evolve, addressing the challenges and expanding its reach. With the support of the government and LIC, along with advancements in technology, the future of AABY looks promising. It has the potential to transform the lives of countless individuals and families across India, providing them with the financial security and peace of mind they deserve.

For more information or to register for the scheme, interested individuals can visit the official website at or contact +91-22-68276827. Together, we can ensure that the LIC Aam Aadmi Bima Yojana continues to grow and serve as a pillar of support for India’s unorganized sector workers.

Arindam Das, a seasoned blogger and Calcutta University alumnus, is the driving force behind Since starting his blogging career in 2014, Arindam has dedicated himself to delivering well-researched, engaging content. Specializing in government schemes and scholarships, his posts blend insightful information with a captivating narrative style. His commerce background enriches his writing, making it not only informative but also relatable to a diverse audience. At, Arindam's passion for sharing knowledge shines through, as he guides readers through complex topics with ease and clarity, establishing the website as a trusted resource in its field.

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