If you have any complaints regarding your LIC Policy, there are various ways to get your problem solved. Depending on the seriousness of the issue, you may first start by calling at the general customer care number 1251. If the executives there are limited in powers to assist you, they will advise on how you can proceed further.
In this case, it clearly means that your problem requires a senior person’s perusal. You may then visit your Policy branch and meet the Branch Manager there (or Sr. Manager) who also is responsible for redressal of customer grievances. You can meet Grievance redressal officers at Branches on all Mondays’ between 2.30 and 4.30 pm without any prior appointment.
In case the Branch Manager proves helpless, you may proceed to divisional level officer, then to zonal level Officer.
If everything goes in vain, you may then proceed with registering your complaint with IRDA Complaint registration or mail your query at email@example.com
Note: Going through this hierarchy may be essential since officers are each level only deal with certain levels of problems. You cannot simply complain to IRDA without discussing the matter with your branch even once since all IRDA would ask you to do it first and tell what LIC has said in their response.
If you think the responses from your LIC branch is not fair, as a final resort in this hierarchy, you should approach the central Insurance Ombudsman.
Note: If you fancy consumer court, you may go that way too, but generally the courts would ask for you to settle the issue with company first and only come there if the company is showing a higher hand. So any way, contacting your local branch should be the first step you should be taking which will support any future action that you may hence take.