It is very easy to get the duplicate policy paper from the respective company which you have taken policy.
If it LIC then you will have the payment receipt that you have made for your annual or quarterly or half yearly payment. Just take the receipt and give a letter to the manager, they will issue a duplicate copy of the Insurance policy.
The same will follow with the remaining private players too.
If you looking out for LIC guidelines: then Click here
For how to gain a duplicate policy : Duplicate Policy
Do not worry. When your policy is due for the premium to be paid the policy providers themselves will intimate you. That time you can request for your policy paper copies. If you have contacts with your agnt then he/she can provide you.
Do not worry
Firstly you have to complain about that you have lost your paper in that company from you have taken your insurance .
It is very easy to get the duplicate policy paper i hope you have all the policy premium deposit receipt it is a evidence which help you to get your original papers .
You have to write a application to the manager of the company for issue of duplicate paper of the life insurance
there are many company which provides life insurance from which company you have taken
TRY WITH BEST YOU WILL DEFINETLY GET YOUR PAPERS