Have these ready before you start
- Each policy number you want to upload (one PDF per policy)
- The insurer name for each (LIC, HDFC Life, ICICI Prudential, Max Life, SBI Life, Tata AIA, Bajaj Allianz, …)
- Login credentials for each insurer's portal — usually policy number as user ID + DOB to verify
- 5 minutes per policy
Step by step
- 1
Identify the insurer
Each policy is from one insurer (LIC, HDFC Life, ICICI Prudential, Max Life, SBI Life, Tata AIA, Bajaj Allianz, etc.). For each policy you want to upload, you need its specific insurer's portal.
- 2
Log in to the insurer's customer portal
LIC: customer.licindia.in. HDFC Life: onlineservices.hdfclife.com. Most insurers have a 'Customer Login' on the homepage. Use the policy number as user ID and DOB or registered mobile to verify.
- 3
Open Policy Document
Navigate to 'My Policy → Policy Document' (label varies). Select the policy you want and click 'Download Policy Bond' or 'Download Policy Schedule'.
- 4
Save the PDF
The policy bond is a multi-page PDF with the schedule, terms, exclusions. Save it. Repeat for each policy you have (term, health, ULIP, endowment) — Sajag reads each separately.
- 5
Upload to Sajag
Drop each PDF into the Insurance slot. Sajag classifies (term / health / endowment / ULIP), pulls sum assured + premium + term, and feeds them into the HLV gap and IRR verdict.
Prefer a video walkthrough?
Portal UIs change often, so we link a curated YouTube search instead of one specific video. Pick whichever recent tutorial you like — they all show the same flow.
Watch on YouTubeIf the PDF asks for a password
Most insurers use DOB in DDMMYYYY. Some use the policy number. LIC traditionally uses DOB + policy number.
Sajag’s parser also tries common derivations automatically (PAN, DOB combinations, last-4 of mobile, bank-specific schemes). You usually won’t need to type the password during upload.
Common gotchas
If the insurer's portal won't issue a policy bond online, call customer support (toll-free, listed on the policy schedule). They'll email it within 24 hours — still free.
Never pay an 'agent' to download policy documents; if your agent is gatekeeping your own policy, escalate to IRDAI grievance (igms.irda.gov.in).
ULIP / endowment policies often look 'good' on paper. Sajag computes the actual IRR after charges and shows whether to surrender, pay-up, or continue.
Group health (employer-provided) usually has no individual policy bond — only a card. That's fine; you can still capture it in Sajag manually with sum assured + premium contribution.
Portals you’ll use
Other download guides