Nagaland Chief Minister's Life Insurance Scheme (CMLIS)

Scheme Introduction: A Brief Overview

The Chief Minister's Life Insurance Scheme (CMLIS) is a social security initiative of the Government of Nagaland that provides free life and accidental insurance coverage to eligible households. The scheme aims to protect the primary earning member of a family from financial hardship caused by death or accidental disability. Under the scheme, eligible beneficiaries receive insurance coverage without paying any premium, as the Government bears the entire cost.

The scheme provides a life insurance cover of ₹2 lakh to the insured breadwinner. If the breadwinner dies due to any cause, the insured amount is paid to the nominee. In addition, the scheme provides accidental insurance coverage of ₹2 lakh to the breadwinner and up to three enrolled family members. In case of accidental death or total permanent disability, the insured amount is payable as per the applicable insurance guidelines. Financial assistance of up to ₹1 lakh is also available in case of partial permanent disability. The insurance coverage broadly follows the eligibility and coverage norms of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY).

Indigenous Inhabitants and Permanent Residents of Nagaland holding a valid Indigenous Inhabitant Certificate (IIC) or Permanent Resident Certificate (PRC) can apply for the scheme, subject to the prescribed eligibility conditions. Applicants should be between 18 and 50 years of age to receive life insurance coverage. However, the upper age limit does not apply to eligible Government employees who are not covered under the State Government Salary Package (SGSP).

For accidental insurance coverage, the breadwinner and enrolled family members should be between 18 and 70 years of age. The scheme also covers accredited journalists, eligible Government employees serving outside Nagaland, and work-charged, casual and contractual employees not covered under the SGSP. Generally, only one breadwinner can be enrolled from a household for life insurance benefits, while up to three eligible family members can be enrolled for accidental insurance coverage.

The revised CM Life Insurance Scheme for FY 2026-27 is implemented through a digital registration and verification system. Eligible applicants can register through the official CMLIS portal. Rural beneficiaries can also enrol through NSRLM functionaries, while urban applicants can receive assistance at Swavalamban Connect Kendras (SCKs). Every application undergoes mobile OTP authentication, identity verification and digital approval before the insurance coverage is activated.

Scheme Benefits

• Provides life insurance coverage of ₹2 lakh to the insured breadwinner.
• Pays the insured amount to the nominee if the breadwinner dies due to any cause.
• Provides accidental insurance coverage of ₹2 lakh to the insured breadwinner.
• Extends accidental insurance coverage of ₹2 lakh each to up to three enrolled family members.
• Provides up to ₹2 lakh in case of accidental death or total permanent disability.
• Provides up to ₹1 lakh in case of partial permanent disability caused by an accident.
• The Government of Nagaland pays the entire insurance premium on behalf of eligible beneficiaries.
• Offers insurance protection without requiring beneficiaries to pay any registration fee or insurance premium.

Eligibility Requirements

• The applicant should be the main earning member (breadwinner) of the family.
• The applicant should be an Indigenous Inhabitant or a Permanent Resident of Nagaland.
• The applicant must have a valid Indigenous Inhabitant Certificate (IIC) or Permanent Resident Certificate (PRC).
• The applicant should be between 18 and 50 years of age for life insurance.
  • The upper age limit does not apply to eligible Government employees who are not covered under the State Government Salary Package (SGSP).
• The applicant and enrolled family members should be between 18 and 70 years of age for accidental insurance coverage.
• Eligible family members can also be enrolled under the scheme.
• Accredited journalists working in Nagaland are eligible.
• Government employees serving outside Nagaland are eligible if they are not covered under the State Government Salary Package (SGSP).
• Work-charged, casual and contractual employees not covered under the State Government Salary Package (SGSP) are also eligible.
• Only one breadwinner can be registered from a household.

Ineligibility Criteria

• Regular Government employees covered under the State Government Salary Package (SGSP) are not eligible.
• Applicants who submit false declarations, forged documents or duplicate registrations are not eligible.
• Applicants whose registration is not validated through the prescribed digital and administrative verification process are not eligible.

Required Documents

Applicants should keep the following documents ready while applying for the Chief Minister's Life Insurance Scheme (CMLIS): -

• Indigenous Inhabitant Certificate (IIC) or Permanent Resident Certificate (PRC).
• Aadhaar Card or other Government-approved identity proof.
• Mobile number for OTP verification.
• Recent passport-size photograph (if required).
• Family details of eligible household members.
• Age proof of the breadwinner and enrolled family members.
• Bank account details of the breadwinner.
• Supporting documents required for validation by the designated authority.

Additional documents required while submitting an insurance claim may include:

• Insurance Claim Form.
• Death Certificate of the insured person.
• Identity proof of the claimant.
• Bank account details of the claimant or nominee.
• Post-mortem report in case of accidental death, wherever applicable.
• Inquiry report issued by the competent Executive Magistrate or Administrative Officer where a post-mortem is not feasible.

Steps to Apply

• Eligible applicants must register under the Chief Minister's Life Insurance Scheme (CMLIS) to receive insurance benefits.
• The registration process is available through three different modes depending on the applicant's category.

Option 1: Self Registration

• Visit the official CMLIS portal.
• Click on the Register option available on the homepage.
• Read the instructions carefully and select the appropriate registration category.
• Enter your mobile number and click on Send OTP.
• Enter the OTP received on your registered mobile number to verify your account.
• Fill in the required details of the breadwinner, including personal and address information.
• Enter the nominee details for life insurance benefits.
• Add the details of eligible family members for accidental insurance coverage. A maximum of three family members can be enrolled.
• Upload the required documents in the prescribed format.
• Review all the information carefully and submit the application.
• Your application will undergo Aadhaar authentication, document verification and digital validation by the designated authorities.
• Once approved, your enrolment under the Chief Minister's Life Insurance Scheme (CMLIS) will be completed through the official portal.

Option 2: Rural Applicants

• Visit your nearest NSRLM representative or Village Level Functionary.
• Provide the required documents and personal details.
• The representative will upload your application and supporting documents through the CMLIS portal.
• Your application will be processed after digital verification and approval.

Option 3: Urban Applicants

• Visit the nearest Swavalamban Connect Kendra (SCK) or the designated Area Administrative Officer.
• Submit the completed application form along with the required documents.
• The facilitation centre will digitise and upload your application to the CMLIS portal.
• Your application will be verified and approved through the official digital validation process.

CMLIS 2026 Revalidation Drive

The Government of Nagaland has launched the CMLIS 2026 Revalidation Drive to verify the details of all approved households enrolled under the Chief Minister's Life Insurance Scheme (CMLIS). The revalidation process aims to collect missing information, update beneficiary records, and ensure that eligible households continue to receive uninterrupted insurance coverage.

Purpose of the Revalidation Drive

• Verify and update the details of approved CMLIS households.
• Collect missing beneficiary information.
• Keep insurance coverage active.
• Prevent interruption of scheme benefits.

Important Points to Know

• The Chief Minister's Life Insurance Scheme (CMLIS) is completely funded by the Government of Nagaland.
• Beneficiaries do not have to pay any registration fee, insurance premium, processing fee or claim settlement charge.
• If any person demands money, beneficiaries should immediately report the matter to the CMLIS Toll-Free Helpline 1800-345-8924.
• Regular Government employees covered under the State Government Salary Package (SGSP) are not eligible for the scheme.
• Only one breadwinner can ordinarily be enrolled for life insurance benefits from a household.
• Up to three eligible family members can be enrolled for accidental insurance coverage.
• Applicants should provide correct personal details and supporting documents during enrolment. Incorrect or false information may lead to rejection of the application or claim.
• Every application is subject to mobile OTP verification, identity verification and approval through the official CMLIS system before insurance coverage is activated.
• Approved beneficiaries should complete revalidation whenever notified by the Government to keep their insurance coverage active and avoid interruption of benefits.
• Applicants and beneficiaries can track their application status and insurance claim status through the official CMLIS portal.

Important Forms

• Nagaland Chief Minister Life Insurance Scheme Application Form.

Relevant Links

• Nagaland Chief Minister Life Insurance Scheme Registration Link.
• Nagaland Chief Minister Life Insurance Scheme Applicant Login.
• Nagaland Chief Minister's Life Insurance Scheme Application Status.
• Chief Minister Life Insurance Scheme Claim Status
• Nagaland Chief Minister's Life Insurance Scheme Revalidation Link.
• Nagaland Chief Minister Life Insurance Scheme Revised Notification
• Nagaland Chief Minister Life Insurance Scheme Notification.
• CMLIS Official Website.

Contact Information

• Nagaland Chief Minister Life Insurance Scheme Helpline Number: 9436030303
• Nagaland Chief Minister Life Insurance Scheme Email Helpdesk: [email protected]