--- title: "PLVC Full Form in Insurance: Pre-Login Verification" description: "PLVC full form in insurance is Pre-Login Verification Call: what happens in a PLVC video or call, how it differs from PIVC, and what to say if details are wrong." url: https://vocora.in/blog/plvc-full-form-in-insurance markdown: https://vocora.in/blog/plvc-full-form-in-insurance.md last_updated: 2026-11-09 site: Vocora (https://vocora.in) --- [Blog](https://vocora.in/blog) · Insurance # PLVC full form in insurance: what a Pre-Login Verification Call is PLVC stands for **Pre-Login Verification Call**. It is a check an insurer runs before your proposal is “logged in” to its system for underwriting: you confirm, on a recorded video or call, that you understand what you are buying and that the details on the form are yours. PLVC is insurer usage, not an IRDAI-defined term. This guide explains what happens in a PLVC, how it differs from PIVC and the welcome call, and what to do if something does not match. By [Vocora team](https://vocora.in/about) · Published 9 November 2026 ## PLVC at a glance | | | | --- | --- | | Full form | Pre-Login Verification Call | | What “login” means | The point at which a signed proposal is entered into the insurer’s system for underwriting | | When it happens | After you fill the proposal, before login, and so before the policy is issued | | Usual format | A recorded video on the insurer’s or agent’s app, sometimes a recorded call | | Who runs it | The sales channel with the insurer’s script, reviewed by the insurer | | Regulatory status | Not named in IRDAI rules; one of the ways insurers meet IRDAI’s anti-mis-selling duties | ## Where the term comes from You will not find PLVC in an IRDAI circular. It appears in insurers’ own documents: - Kotak Mahindra Life’s 2020-21 annual report lists “PLVC (Pre Login Verification Call)” among the year’s key implementations, saying the automation would improve the turnaround time for issuance and reduce processing cost. - Future Generali India Life published an app called “FG PLVC - Video PIVC” for its employees and agents. Its listing says the app records a video of the customer answering the verification script, either computer-assisted or agent-assisted, “removing the calling process” to speed up verification. It also works offline and shows verification status in real time. - An Aditya Birla Sun Life job description lists the task “perform pre-login verification on new business logins”. Insurance Ombudsman awards also refer to “Pre-login verification Call (PLVC)” and “PLVC recordings”, which shows insurers keep these recordings and produce them in disputes. More on that below. ## What happens in a PLVC, step by step Each insurer has its own process, but a video PLVC usually looks like this: 1. **The proposal is filled.** On paper or on the seller’s tablet, with your details, the plan, premium and term. 2. **The seller opens the insurer’s PLVC app.** It loads the verification script for your proposal. 3. **You answer the script on camera.** Questions are read out by the app or the seller. Your face and voice are recorded. 4. **The recording is uploaded.** The insurer’s team, or its software, checks your answers against the proposal. 5. **The proposal moves on or is held.** If everything matches, it is logged for underwriting. If not, it is held for correction, a call-back or a fresh explanation. After issue you may still get a PIVC call or a welcome call, depending on the insurer’s rules for your case. ## PLVC vs PIVC vs welcome call | | PLVC | PIVC | Welcome call | | --- | --- | --- | --- | | Full form | Pre-Login Verification Call | Pre-Issuance Verification Call | — | | When | Before the proposal is logged | After login, before the policy is issued | After the policy is issued | | Usual format | Recorded video or call, at the point of sale | Outbound phone call from the insurer or its partner | Outbound phone call from the insurer | | Main purpose | Stop a wrong proposal entering the system | Catch mis-selling before issue | Check the policy reached you; a chance to raise concerns | | If something is wrong | Proposal held or corrected | Case flagged before issue | Free-look cancellation or complaint | For PIVC in depth, including IRDAI’s 2020 circular, see [PIVC full form in insurance, and PIVC vs PLVC](https://vocora.in/blog/pivc-full-form-in-insurance). ## Where PLVC fits in IRDAI’s rules IRDAI’s circular of 12 May 2020 encouraged life insurers to conduct a Pre-Issuance Verification Call (PIVC). IRDAI’s Master Circular on Protection of Policyholders’ Interests of 5 September 2024 lists that circular among those it supersedes. The master circular says insurers and distribution channels are responsible for the solicitation process, and that a mechanism to avoid mis-selling must include, among other things, using only the approved prospectus, trained sales staff, a mechanism for obtaining customer feedback and action against sellers who misbehave. PLVC and PIVC are two of the ways insurers meet those duties. The same master circular gives a **30-day free-look period** from receipt of a life policy with a term of one year or more, during which the insurer must accept a cancellation request whatever the reason. ## Why your PLVC answers matter later The recording can be evidence. Award compilations published by the Council for Insurance Ombudsmen show it working both ways: - In one award, the insurer did not produce the PLVC and PIVC recordings at the hearing, could not show the policy was not mis-sold, and was directed to refund the premium. - In others, the insurer relied on PLVC recordings showing the complainant had raised no concerns, and the Ombudsman went on to examine what the verification call actually said about the policy’s benefits. - In another, the PLVC recording said the premium had been paid by fund transfer while the complainant had paid by cheque, one of several mismatches the Ombudsman noted. The lesson for customers is simple: answer for yourself, and if what you hear does not match what the seller told you, say so on the recording. ## A customer’s checklist for a PLVC - Read the premium, term and payment frequency on the proposal before you start. - Answer yourself. Do not let the seller or anyone else speak for you. - If you were promised a guaranteed return, bonus or loan the script does not mention, say so. - Check that the mobile number and email on the form are yours, not the agent’s. - Never share an OTP, PIN or password during a verification. - Keep the policy document when it arrives and note the free-look deadline. ## For insurers: running verification at scale Video PLVCs prove who answered, but they need a smartphone, data and patience, and they can be recorded with the seller in the room. Phone verification reaches customers who struggle with apps and hears them away from the seller, but only if they pick up. Many insurers use both and route cases by risk. A voice agent can make the phone side scale: it reads the approved script in the customer’s language, records each answer against the proposal, and flags any mismatch to a person. We explain the design in [pre-issuance verification calls with voice AI](https://vocora.in/blog/pre-issuance-verification-call-voice-ai). Calls from IRDAI-regulated entities should also follow TRAI’s direction moving their service and transactional calls to the 1600 series; see [DLT registration and the 1600 series](https://vocora.in/blog/dlt-registration-1600-series-explained). Related workflows are in our [insurance playbook](https://vocora.in/industries/insurance) and the guide to [insurance renewal calls](https://vocora.in/blog/ai-voice-insurance-renewal-calls). ## FAQ ### What is the full form of PLVC in insurance? PLVC stands for Pre-Login Verification Call. It is insurer usage, not a term defined by IRDAI. “Login” is industry jargon for the moment a proposal is entered into the insurer’s system for underwriting, so a PLVC is a check done before that happens. ### Is PLVC the same as PIVC? No, though they do the same job. PIVC (Pre-Issuance Verification Call) happens after the proposal is logged and before the policy is issued, usually as a phone call. PLVC happens earlier, before login, and is often recorded on video through the insurer’s or agent’s app. Some insurers use one, some both. ### Is PLVC mandatory? There is no IRDAI rule that names PLVC. IRDAI’s 2024 Master Circular on Protection of Policyholders’ Interests requires insurers to have measures to curb mis-selling and a mechanism for customer feedback, and insurers decide how to meet that. If your insurer’s process includes a PLVC, the proposal usually waits until it is done. ### What questions are asked in a PLVC? Each insurer writes its own script. Expect to confirm your name and date of birth, that you are buying insurance (not a deposit or loan), the premium, how often and for how many years you pay, the main benefits, and that the health, income and contact details on the form are yours. ### What if I answer “no” or something is wrong? Say so. A mismatch is the reason the check exists. The insurer can hold the proposal, correct it, explain the product again or let you drop it before the policy is issued. Do not let the seller answer for you. ### I already did the PLVC but was misled. What now? Once you receive a life policy with a term of one year or more, IRDAI’s master circular gives you a 30-day free-look period to review and cancel it. You can also complain to the insurer and, if unresolved, approach the Insurance Ombudsman. Keep your messages and documents from the sale. ### Will a PLVC ask for my OTP or bank PIN? A verification confirms details already on your proposal. Do not read out an OTP, PIN, card number or password to anyone who calls you or records you. If in doubt, call the insurer on the number printed on its website. ## Sources 1. [Kotak Mahindra Life Insurance — Annual Report 2020-21, Directors’ Report: “PLVC (Pre Login Verification Call)” implementation](https://www.kotak.com/content/dam/Kotak/investor-relation/Financial-Result/Annual-Reports/FY-2021/subsidiaries-21/Kotak-Mahindra-Life-Insurance-Company-Limited-FY-2020-21.pdf) 2. [Future Generali India Life — “FG PLVC - Video PIVC” app description (Aptoide mirror of the store listing)](https://fg-plvc.ir.aptoide.com/app) 3. [Aditya Birla Capital careers — PIVC role description (“perform pre-login verification on new business logins”)](https://www.adityabirlacapital.com/careers/jobs/job-details/tl-avp-head-persistency-ra-thane-coos%20office-in-maharashtra-jobs-abg104983) 4. [Council for Insurance Ombudsmen — compilation of life insurance awards (Miscellaneous), including awards that refer to PLVC recordings](https://cioins.co.in/LIC/miscellanious/Miscellaneous%20-%20Life26.pdf) 5. [IRDAI — Circular on Pre-Issuance Verification Call (PIVC), IRDAI/Life/Misc/CIR/116/05/2020 (12 May 2020)](https://irdai.gov.in/documents/37343/365525/Pre-Issuance+Verification+Call+%28PIVC%29.pdf/8dc35291-388d-4798-dac0-02f0bc8b137f?download=true&t=1665592503011&version=1.1) 6. [IRDAI — Master Circular on Protection of Policyholders’ Interests, 2024 (5 September 2024)](https://irdai.gov.in/en/document-detail?documentId=5625747) 7. [PIB — TRAI issues Direction mandating 1600-series for IRDAI-regulated entities (17 December 2025)](https://www.pib.gov.in/PressReleasePage.aspx?PRID=2205350) [PIVC full form](https://vocora.in/blog/pivc-full-form-in-insurance) · [Insurance playbook](https://vocora.in/industries/insurance) · [Voice AI](https://vocora.in/voice-ai) · [WhatsApp AI](https://vocora.in/whatsapp-ai) · [Contact](https://vocora.in/contact) --- Source: https://vocora.in/blog/plvc-full-form-in-insurance · Site index for AI agents: https://vocora.in/llms.txt · Contact: pratik@vocora.in · +91 98041 82483