{"uin":"105L112V06","name":"ICICI Life LifeTime Premier","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06","insurer":{"slug":"icici-life-insurance","name":"ICICI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ICICI Pru LifeTime Premier is a unit linked life policy in which the investment risk in the investment portfolio is borne by the policyholder. It pays Sum Assured plus Fund Value on death and Fund Value on maturity, and surrender and partial withdrawal are allowed only after completion of five policy years.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:25:34.215886+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Date of Maturity and the Policy certificate, but does not print the policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The wording requires written intimation for claims but does not state a deadline.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["original of this Policy document along with written intimation","Claimant·s statement","Death certificate issued by the local and medical authority in case of death claim","Any other documents or information as may be required by the Company"],"display":"Original policy document with written intimation, claimant’s statement, death certificate for death claims, and other documents required by the Company.","note":null,"quote":"Before payment of any claim under the Policy, the Company shall require the delivery of the original of this Policy document along with written intimation and the following documents establishing the right of the claimant or claimants to receive payment. Claim payments are made only in Indian currency. i. Claimant·s statement ii. Death certificate issued by the local and medical authority in case of death claim iii. Any other documents or information as may be required by the Company for processing of the claim depending on the cause of the claim.","sources":[{"clause":"9.4","heading":"Assignment and Nomination","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-9-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["If the Life Assured commits suicide within one year from date of issue, only the Fund Value shall become payable","If the Life Assured commits suicide within one year from the effective date of increase in the Sum Assured, the amount of increase shall not be considered in the Death Benefit","The Company shall repudiate the claim if there is any discrepancy found in the age of the Life Assured as declared in the proposal form"],"display":"Suicide within 1 year from issue: only Fund Value; suicide within 1 year of Sum Assured increase: increase ignored; age discrepancy in proposal can lead to repudiation.","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide within one year from date of issue of this Policy, then the Policy shall terminate and only the Fund Value shall become payable. ... If the Life Assured, whether sane or insane, commits suicide within one year from the effective date of increase in the Sum Assured, then the amount of increase shall not be considered in the calculation of the Death Benefit. ... The Company shall repudiate the claim if there is any discrepancy found in the age of the Life Assured as declared in the proposal form submitted to the Company.","sources":[{"clause":"8.4","heading":"Fund Management Charge","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-8-4"},{"clause":"9.4","heading":"Assignment and Nomination","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-9-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For clarification or assistance, contact the advisor, Customer Service Representative or Customer Service Desk first. If not resolved or unsatisfactory, escalate to the Grievance Redressal Officer, then Senior Grievance Redressal Officer, then the Grievance Redressal Committee before approaching the Insurance Ombudsman.","display":"Customer Service/advisor → GRO → SGRO → Grievance Redressal Committee; Ombudsman after the company grievance machinery.","note":null,"quote":"9.14 Customer Service: a.For any clarification or assistance, the Policyholder may contact our advisor or call our Customer Service Representative ... b. Grievance Redressal Officer: If the Policyholder does not receive any resolution or the resolution provided is not satisfactory, the Policyholder may get in touch with our designated Grievance Redressal Officer (GRO). ... c. Senior Grievance Redressal Officer: If the Policyholder does not receive any resolution or the resolution provided by the GRO is not satisfactory, the Policyholder may write to our Senior Grievance Redressal Officer (SGRO). ... d. Grievance Redressal Committee: In the event that any complaint / grievance addressed to the SGRO is not resolved, the Policyholder may escalate the same to the Grievance Redressal Committee","sources":[{"clause":"9.4","heading":"Assignment and Nomination","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-9-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":"The wording defines Sum Assured but does not print the minimum and maximum cover or full rule; Annexure II heading is present but its values are blank in the extracted wording.","quote":null,"sources":[],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival of the Life Assured, if the policy is in force on the Date of Maturity, the insurer pays the Fund Value including Top up Fund Value, if any. The policyholder may receive it in lump sum or through the Settlement Option, and the policy terminates on payment.","display":"Fund Value including Top up Fund Value, if any, on survival to maturity; lump sum or Settlement Option.","note":null,"quote":"Maturity Benefit: i. On survival of the Life Assured and subject to the Policy being in force on the Date of Maturity, we shall pay Fund Value including the Top up Fund Value, if any, as on the Date of Maturity. ii. You shall have an option to receive the Maturity Benefit in lump sum or by way of Settlement Option (structured payments), as described in Clause 6.13, after the Date of Maturity. iii. On payment of Maturity Benefit, the Policy would be terminated and all the rights, benefits and interest under the Policy shall be extinguished.","sources":[{"clause":"2.2","heading":"Maturity Benefit","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-2-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The wording says premiums are payable up to the due date of the last premium shown in the Policy certificate, but the premium paying term is not printed.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If the Life Assured, whether sane or insane, commits suicide within one year from the date of issue of the policy, the policy terminates and only the Fund Value becomes payable. If suicide occurs within one year from the effective date of an increase in Sum Assured, that increase is not considered in the Death Benefit.","display":"Within 1 year from issue: only Fund Value; within 1 year from Sum Assured increase: increase not counted.","note":null,"quote":"9.5 Suicide: If the Life Assured, whether sane or insane, commits suicide within one year from date of issue of this Policy, then the Policy shall terminate and only the Fund Value shall become payable. All rights, benefits and interests under this Policy will stand extinguished. If the Life Assured, whether sane or insane, commits suicide within one year from the effective date of increase in the Sum Assured, then the amount of increase shall not be considered in the calculation of the Death Benefit.","sources":[{"clause":"8.4","heading":"Fund Management Charge","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-8-4"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be surrendered only after completion of five policy years. On surrender after completion of the fifth policy year, the policy terminates and Fund Value including Top up Fund Value, if any, is paid.","display":"Surrender only after 5 policy years; Fund Value including Top up Fund Value, if any, is paid.","note":null,"quote":"Surrender: Surrender means voluntary termination of the Policy by you. You can surrender the Policy only after completion of five policy years. On surrender after completion of the fifth policy year, the policy shall terminate and Fund Value including the Top up Fund Value, if any, shall be paid to you. The Policy shall terminate on payment of","sources":[{"clause":"2.4","heading":"Surrender: Surrender","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-2-4"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"For policies where premiums are discontinued during the first five policy years, revival can be applied for within 2 years from discontinuance and not later than expiry of the lock-in period, subject to evidence of health if required, arrears of premiums, and the company communicating revival.","display":"Within 2 years from discontinuance and not later than expiry of lock-in period.","note":null,"quote":"9.13 Revival of the Policy: This clause is applicable only for the policies where the premiums are discontinued during the first five policy years. a. the application for revival is made within 2 years from the date of the discontinuance and not later than the expiry of lock in period; b. the Policyholder, at his own expense, furnishes satisfactory evidence of health of the Life Assured, if required; c. the receipt of arrears of premiums d. the revival of the policy may be on terms different from those applicable to the policy before it lapsed; and e. the revival will take effect only on it being specifically communicated by the Company to the Policyholder.","sources":[{"clause":"9.4","heading":"Assignment and Nomination","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-9-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"No loans are allowed under this policy.","display":"No loans are allowed.","note":null,"quote":"Loans: No Loans are allowed under this policy.","sources":[{"clause":"6.6","heading":"Loans","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-6-6"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Riders may be offered but only subject to the Regulator·s prior approval"],"display":"Riders may be offered subject to Regulator’s prior approval; no named rider is listed.","note":"The wording does not name any specific rider.","quote":"Riders / Supplementary Benefits: Riders may be offered but only subject to the Regulator·s prior approval.","sources":[{"clause":"6.7","heading":"Riders / Supplementary Benefits","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-6-7"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"The document quotes the older Section 45 wording using a two-year period: after expiry of two years, a policy is not to be called in question for inaccurate or false statements unless the insurer shows material suppression or fraud and the policyholder knew the statement was false or suppressed material facts. Proof of age may still be called for.","display":"Section 45 wording in document uses 2 years, not 3 years.","note":"The document states two years; it does not state the current three-year wording in the field description.","quote":"9.7 Incontestability: a) In accordance with Section 45 of the Insurance Act, 1938: No Policy of life ... after the expiry of two years ... was inaccurate or false, unless the insurer shows that such statements were on material matter or ... the Policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in the section shall prevent the insurer from calling for proof of age at any time","sources":[{"clause":"8.4","heading":"Fund Management Charge","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-8-4"},{"clause":"8.7","heading":"Revision of Charges","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-8-7"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. 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Marketing*","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-s1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"There is a grace period of 30 days for paying the premium.","sources":[{"clause":"3","heading":"Premium Payment","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["annual frequency"],"display":"Only annual frequency is allowed.","note":null,"quote":"Only annual frequency is allowed for payment of premiums.","sources":[{"clause":"3","heading":"Premium Payment","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-3"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"not-stated","value":null,"display":null,"note":"The wording shows annual premiums but does not state whether the product is regular premium or limited premium.","quote":null,"sources":[],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 years","note":null,"quote":"Currently the lock-in period is five years.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-s1"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Multi Cap Growth Fund — +LJK","Opportunity Fund — +LJK","Bluechip Fund — +LJK","Multi Cap Balanced Fund — 0RGHUDWH","Income Fund — /RZ","Money Market Fund — /RZ","Return Guarantee Fund(RGF) — /RZ","Dynamic P/E Fund — High"],"display":"Multi Cap Growth, Opportunity, Bluechip, Multi Cap Balanced, Income, Money Market, Return Guarantee Fund, and Dynamic P/E Fund; risk profiles are printed in the fund table.","note":"The risk profile labels for several funds are OCR-garbled in the extracted wording; they are reproduced as printed.","quote":"Multi Cap Growth Fund: 7R JHQHUDWH VXSHULRU ORQJWHUP UHWXUQV IURP D GLYHUVLILHG SRUWIROLR RI HTXLW\\ DQG HTXLW\\ UHODWHG LQVWUXPHQWVRIODUJHPLGDQGVPDOOFDSFRPSDQLHV SFIN :8/,) /0&DS*UR | (TXLW\\ (TXLW\\5HODWHG6HFXULWLHV 'HEW0RQH\\0DUNHW &DVK |  |  | +LJK ... Opportunity Fund: 7R JHQHUDWH VXSHULRU ORQJWHUP UHWXUQV IURP D GLYHUVLILHG SRUWIROLR RI HTXLW\\ DQG HTXLW\\ UHODWHG LQVWUXPHQWV RI FRPSDQLHV RSHUDWLQJ LQ IRXU LPSRUWDQW W\\SHV RI LQGXVWULHV YL] 5HVRXUFHV ,QYHVWPHQWUHODWHG &RQVXPSWLRQUHODWHG DQG +XPDQ&DSLWDOOHYHUDJHGLQGXVWULHV SFIN:8/,) /2SSRUW | (TXLW\\ (TXLW\\5HODWHG6HFXULWLHV 'HEW0RQH\\0DUNHW &DVK |  |  | +LJK ... Bluechip Fund 7R SURYLGH ORQJWHUP FDSLWDO DSSUHFLDWLRQ IURP HTXLW\\SRUWIROLRSUHGRPLQDQWO\\LQYHVWHGLQODUJHFDS VWRFNV SFIN:8/,) /%OX&KLS | (TXLW\\ (TXLW\\5HODWHG6HFXULWLHV 'HEW0RQH\\0DUNHW &DVK |  |  | +LJK ... Multi Cap Balanced Fund: 7RDFKLHYHDEDODQFHEHWZHHQFDSLWDODSSUHFLDWLRQ DQGVWDEOHUHWXUQVE\\LQYHVWLQJLQDPL[RIHTXLW\\ DQGHTXLW\\UHODWHGLQVWUXPHQWVRIODUJHPLGDQG VPDOOFDSFRPSDQLHVDQGGHEWDQGGHEWUHODWHG LQVWUXPHQWV SFIN:8/,) /0&DS%DO | (TXLW\\ (TXLW\\5HODWHG6HFXULWLHV 'HEW0RQH\\0DUNHW &DVK |  |  | 0RGHUDWH ... Income Fund: 7R SURYLGH DFFXPXODWLRQ RI LQFRPH WKURXJK LQYHVWPHQWLQYDULRXVIL[HGLQFRPHVHFXULWLHV7KH IXQGVHHNVWRSURYLGHFDSLWDODSSUHFLDWLRQZKLOH PDLQWDLQLQJ D VXLWDEOH EDODQFH EHWZHHQ UHWXUQ VDIHW\\DQGOLTXLGLW\\ SFIN:8/,) /,QFRPH | 'HEW,QVWUXPHQWV 0RQH\\0DUNHW &DVK |  |  | /RZ ... Money Market Fund: 7R SURYLGH VXLWDEOH UHWXUQV WKURXJK ORZ ULVN LQYHVWPHQWV LQ GHEW DQG PRQH\\ PDUNHW LQVWUXPHQWVZKLOHDWWHPSWLQJWRSURWHFWWKHFDSLWDO GHSOR\\HGLQWKH)XQG SFIN:8/,) /0RQH\\0NW | 'HEW,QVWUXPHQWV 0RQH\\0DUNHW &DVK |  |  | /RZ ... Return Guarantee Fund(RGF)*: 7RSURYLGHJXDUDQWHHGUHWXUQVWKURXJKLQYHVWPHQW LQDGLYHUVLILHGSRUWIROLRRIKLJKTXDOLW\\IL[HGLQFRPH LQVWUXPHQWV SFIN 1: \\HDU WUDQFKH 8/,) /5*) 7 \\HDU WUDQFKH 8/,) /5*) 6 | 'HEW,QVWUXPHQWV 0RQH\\0DUNHW &DVK |  |  | /RZ ... Dynamic P/E Fund:\nTo provide long term capital appreciation through dynamic asset | 90% to 100% ... equity related securities is determined by reference to the P/E 16 to 18 | 60% to 100% | High","sources":[{"clause":"1","heading":"Definitions","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-1"},{"clause":"2.1","heading":"Death Benefit","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-2-1"},{"clause":"2.2","heading":"Maturity Benefit","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-2-2"},{"clause":"2.4","heading":"Surrender: Surrender","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-2-4"},{"clause":"2.5","heading":"To whom the Benefits are Payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-2-5"},{"clause":"3","heading":"Premium Payment","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-3"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"not-stated","value":null,"display":null,"note":"The clause says premium allocation charges are shown in a table, but the charge values are blank in the extracted wording.","quote":null,"sources":[],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"The Fund Management Charge is made by adjustment to the NAV. The extracted wording does not show readable fund-wise FMC rates for the main funds; it states an additional 0.25% p.a. charge for the investment guarantee and an additional 0.5% per annum on the discontinued policy fund.","display":"FMC by NAV adjustment; additional 0.25% p.a. for investment guarantee and 0.5% p.a. on discontinued policy fund.","note":"Fund-wise FMC rates for the listed funds are not readable in the extracted table.","quote":"Fund Name | FMC as %age per annum of the Net Assets ... *An additional charge of 0.25% p.a. will be made for the investment guarantee by adjustment to NAV. Additional charge of 0.5% per annum shall be levied on the discontinued policy fund ... The Fund Management Charge and charge for unit guarantee will be made by adjustment to the NAV.","sources":[{"clause":"8.4","heading":"Fund Management Charge","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-8-4"},{"clause":"8.6","heading":"Nature of Charges","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-8-6"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charge is calculated on Sum at Risk and deducted monthly by redemption of units. The wording says the mortality charges are given in Annexure I, and female Life Assured charges are those applicable to a male Life Assured two years younger.","display":"Calculated on Sum at Risk and deducted monthly by redemption of units.","note":"The Annexure I rate table is present but the numeric rates are blank in the extracted wording.","quote":"Mortality Charge: Mortality charge will be calculated on the Sum at Risk which is defined as follows: ... Mortality charge will be deducted on a monthly basis by redemption of units. The mortality charges are given in Annexure I. ... Notes: For female Life Assured, the Mortality charges will be those applicable to a male Life Assured two years younger.","sources":[{"clause":"8.3","heading":"Mortality Charge","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-8-3"},{"clause":"Annexure I","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500#c-annexure-i"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"not-stated","value":null,"display":null,"note":"The wording states that a premium discontinuance charge applies and refers to a table, but the charge amounts/formula are unreadable in the extracted wording.","quote":null,"sources":[],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru LifeTime Premier U79 Version 3 Valid from 25112011 to 31082010 - 105L112V03","pages":4,"fetched_at":"2026-10-20 01:26:55+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_LifeTime_Premier_U79_Ver_3_25Nov2011_to_Till_Date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22497"},{"kind":"wording","label":"ICICI Pru LifeTime Premier U79 Version 5 Valid from 14092011 to 24112011 - 105L112V05","pages":4,"fetched_at":"2026-10-20 01:26:59+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_LifeTime_Premier_U78_Ver_2_14Sept2011_to_24Nov2011.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22498"},{"kind":"wording","label":"ICICI Pru LifeTime Premier U79 Version 4 Valid from 01092010 to 13092011 - 105L112V04","pages":5,"fetched_at":"2026-10-20 01:26:57+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_LifeTime_Premier_U78_Ver_1_01Sept2010_to_13Sept2011.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22499"},{"kind":"wording","label":"ICICI Pru LifeTime Premier U79 Version 6 Valid from 25112011 to Till Date - 105L112V06","pages":4,"fetched_at":"2026-10-20 01:27:01+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_LifeTime_Premier_U78_Ver_3_25Nov2011_to_Till_Date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06/document/22500"}],"versions":[{"uin":"105L112V03","version":null,"approved_on":null},{"uin":"105L112V05","version":null,"approved_on":null},{"uin":"105L112V04","version":null,"approved_on":null},{"uin":"105L112V06","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI Life Insurance official website","url":"https://www.icicilife.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ICICI Life LifeTime Premier (UIN 105L112V06), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-lifetime-premier-105l112v06"}