{"uin":"105L121V07","name":"ICICI Life Pinnacle Super: a unit linked insurance plan","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07","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 Pinnacle Super is a unit linked life insurance plan with One Pay and Five Pay premium payment options. It pays different death benefits for One Pay and Five Pay, allows surrender only after five policy years, and does not allow loans.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:25:03.413458+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":null,"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 policy says claim intimation must be in writing for NAV purposes, but does not state a deadline for base-policy claims.","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","written intimation","Claimant’s Statement","Death Certificate of the Life Assured issued by the local and medical authority","Any other documents or information as may be required by the Company for processing of the claim depending on the cause of the claim"],"display":"Original policy document with written intimation, claimant’s statement, death certificate, and any other documents or information required for processing depending on the cause of claim","note":null,"quote":"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. a. Claimant’s Statement b. Death Certificate of the Life Assured issued by the local and medical authority c. 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":"8.9","heading":"Payment of Claim","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-8-9"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"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":"quote-verified","value":"On death during the policy term while the policy is in force, One Pay pays the higher of Sum Assured and Fund Value including Top-up Fund Value, subject to Minimum Death Benefit. Five Pay pays Sum Assured plus Fund Value including Top-up Fund Value, subject to Minimum Death Benefit; the policy terminates after death benefit is paid.","display":"One Pay: higher of Sum Assured and Fund Value including Top-up Fund Value, subject to Minimum Death Benefit. Five Pay: Sum Assured plus Fund Value including Top-up Fund Value, subject to Minimum Death Benefit.","note":null,"quote":"In the event of death of Life Assured during the term of the policy and subject to the policy being in force, the Company shall pay: a. In case of One Pay, higher of the Sum Assured and Fund Value, including Top up Fund Value, if any subject to Minimum Death Benefit. b. In case of Five Pay, the sum of Sum Assured and Fund Value including Top up Fund Value, if any subject to Minimum Death Benefit. ... On payment of Death benefit, the policy shall terminate and all rights, benefits and interests under this policy shall stand extinguished.","sources":[{"clause":null,"heading":"2. Benefits Payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-2-benefits-payable"}],"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 to maturity while the policy is in force, the policy pays the applicable maturity Fund Value along with Loyalty Addition. For non-guaranteed listed funds this is Fund Value; for Highest NAV Fund A, B, C and Return Guarantee Fund it is the higher of Fund Value and Guaranteed Value.","display":"Applicable maturity Fund Value plus Loyalty Addition; non-guaranteed listed funds pay Fund Value, while Highest NAV Fund A/B/C and Return Guarantee Fund pay higher of Fund Value and Guaranteed Value.","note":null,"quote":"On survival of the Life Assured and subject to the policy being in force on the date of maturity, we shall pay: i. For Multi Cap Growth Fund, Multi Cap Balanced Fund, Maximiser V, Bluechip Fund, Opportunities Fund, Income Fund, Money Market Fund, Dynamic P/E Fund, maturity Fund Value which is equal to the Fund Value. ii. For Highest NAV Fund A, Highest NAV Fund B, Highest NAV Fund C and Return Guarantee Fund, maturity Fund Value which shall be higher of the Fund Value and Guaranteed Value ... Maturity benefit is the applicable maturity Fund Value along with the Loyalty addition.","sources":[{"clause":null,"heading":"2. Benefits Payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-2-benefits-payable"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"One Pay means the premium is payable once. Five Pay means premiums are payable for five policy years.","display":"One Pay: once; Five Pay: five policy years","note":null,"quote":"Five Pay means that premiums are payable for five policy years ... One Pay means that premium is payable once.","sources":[{"clause":"4","heading":"Premium Discontinuance","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-4"},{"clause":"5.1","heading":"Investment Objectives of the Fund and Portfolio Allocation","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-5-1"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Surrender is voluntary termination by the policyholder and is allowed only after completion of five policy years. On surrender, Fund Value including Top-up Fund Value, if any, is paid at the time of surrender or after completion of five policy years, whichever is later, and no guarantee applies.","display":"Allowed only after completion of five policy years; pays Fund Value including Top-up Fund Value, if any, at surrender or after five policy years, whichever is later; no guarantee applies.","note":null,"quote":"Surrender means voluntary termination of the policy by you. ii. The policy can be surrendered only after completion of five policy years. iii. On surrender of the policy, the Fund Value including Top up Fund Value, if any shall be paid to you. Surrender value is payable at the time of surrender or after completion of five policy years,\n\nMaximiser V To achieve long-term capital appreciation through investments primarily in equity and equity-related instruments. SFIN: ULIF 114 15/03/11 LMaximis5 105 | Equity & equity related securities Debt, Money market & Cash | 75% 0% | 100% 25% | High\nwhichever is later. iv. No guarantee will be applicable on surrender.","sources":[{"clause":null,"heading":"2. Benefits Payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-2-benefits-payable"}],"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":"quote-verified","value":"For Five Pay, if the policy is not revived within the Extended Period or the policyholder opts complete withdrawal, the Fund Value is transferred to the discontinued policy fund after the premium discontinuance charge and no other charges are deducted. If death occurs before the end of the fifth policy year, clause 2.1 death benefit and rider benefits are not payable and only discontinued policy value is paid; at the end of the fifth policy year the discontinued policy value is paid if the policyholder survives.","display":"Five Pay: Fund Value moves to discontinued policy fund after charge; no other charges. Death before end of fifth policy year pays only discontinued policy value; at end of fifth policy year discontinued policy value is paid on survival.","note":null,"quote":"Premium discontinuance is applicable only in case of Five Pay: a. If the policy is not revived within the Extended Period or the Policyholder intimates that he wishes to completely withdraw the policy, the Fund Value shall be transferred to the discontinued policy Fund after deduction of applicable premium discontinuance charge. Thereafter, no other charges shall be deducted. In case of death of the Life Assured before the end of the fifth policy year, the benefit outlined in clause 2.1 and rider benefits, if applicable, will not be payable and only the discontinued policy value shall be paid. ... At the end of the fifth policy year, the discontinued policy value shall be paid to the Policyholder, subject to his survival to that date.","sources":[{"clause":"4","heading":"Premium Discontinuance","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-4"}],"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 Five Pay, after failure to pay within the grace period the insurer sends a notice within 15 days from expiry of grace period and gives 30 days to choose revival or complete withdrawal; if no option is exercised within 45 days of the end of grace period, the policy is deemed discontinued without risk cover. The policy cannot be revived after the Premium discontinuance date.","display":"Five Pay: 30 days to choose revival after notice; deemed discontinued if no option within 45 days after grace period; no revival after Premium discontinuance date.","note":"The Extended Period provision is stated as applicable only when the Premium Payment Option chosen is Five Pay.","quote":"On failure to pay a due premium within the grace period\n2 | 4% of lower of (AP or FV), subject to a maximum of Rs. 5,000\nas described in clause 3(b), we will send you a notice within a period of 15 days from the date of expiry of grace\n3 | 3% of lower of (AP or FV), subject to a maximum of Rs. 4,000\nperiod. A period of 30 days shall be given to you to intimate us of your choice from the following options: a) Revive ... In any case, if you do not exercise the option within 45 days of the end of the grace period, you shall be deemed to have discontinued the policy without any risk cover. ... The policy cannot be revived after the Premium discontinuance date.","sources":[{"clause":"4","heading":"Premium Discontinuance","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-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 plan.","display":"No loans","note":null,"quote":"Loans No Loans are allowed under this plan.","sources":[{"clause":"6.11","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-6-11"}],"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":["ICICI Pru Waiver of Premium on Critical Illness Rider"],"display":"ICICI Pru Waiver of Premium on Critical Illness Rider","note":"The rider benefit is payable only if specifically opted for and rider premiums are paid.","quote":"Riders / Supplementary Benefits Riders under this plan shall be offered subject to Regulator’s prior approval. ... ICICI Pru Waiver of Premium on Critical Illness Rider","sources":[{"clause":"6.12","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-6-12"},{"clause":null,"heading":"ICICI Pru Waiver of Premium on Critical Illness Rider","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-icici-pru-waiver-of-premium-on-critical-illness"}],"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 prints the older Section 45 wording: after expiry of two years from when the policy was effected, it cannot be called in question for inaccurate or false statements unless the insurer shows the statement was on a material matter, suppressed material facts, was fraudulently made, and the policyholder knew it was false or suppressed material facts.","display":"Section 45 printed as two years, with fraud/material matter conditions","note":"The policy document prints two years, not the current three-year wording in the field label.","quote":"Section 45 of the Insurance Act, 1938: No policy of life insurance effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no policy of life insurance shall after the expiry of two years from the date on which it was effected after the coming into force of this Act shall after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that a statement made in the proposal of insurance or any report of a medical officer, or a referee, or friend of the insured , or in any other document leading to the issue of the policy, was inaccurate or false, ... unless the insurer shows that such statements were on material matter or suppressed facts which it was material ... to disclose and that it was fraudulently made by the Policyholder and that the Policyholder knew at the time of making","sources":[{"clause":"8.7","heading":"Incontestability","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#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. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days (30 days in case where the Policy is sourced by Distance Marketing)","note":"30 days applies where the policy is sourced by Distance Marketing.","quote":"A period of 15 days (30 days in case where the Policy is sourced by Distance Marketing) is available to you to review the Policy. If you do not find the Policy suitable, this Policy Document must be returned to the Company for cancellation within 15 / 30 days, as the case may be, from the date you received it.","sources":[{"clause":null,"heading":"ICICI Pru Pinnacle Super","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-icici-pru-pinnacle-super"}],"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":"Applicable only in case of Five Pay.","quote":"This section is applicable only in case of Five Pay: i. You are required to pay premiums on the due dates and for the amount mentioned in the policy certificate. There is a grace period of 30 days for paying the premium from the premium due date.","sources":[{"clause":null,"heading":"2. Benefits Payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-2-benefits-payable"}],"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","note":"This statement is in the Five Pay premium payment section.","quote":"Only annual frequency is allowed for payment of premiums.","sources":[{"clause":null,"heading":"2. Benefits Payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-2-benefits-payable"}],"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":"quote-verified","value":["One Pay","Five Pay"],"display":"One Pay and Five Pay","note":null,"quote":"Premium discontinuance is applicable only in case of Five Pay ... Five Pay means that premiums are payable for five policy years ... One Pay means that premium is payable once.","sources":[{"clause":"4","heading":"Premium Discontinuance","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-4"},{"clause":"5.1","heading":"Investment Objectives of the Fund and Portfolio Allocation","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-5-1"}],"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":"The policy can be surrendered only after completion of five policy years. ... Partial withdrawal shall be\n*Return Guarantee Fund (RGF) To provide guaranteed returns through investment in a diversified portfolio of high quality fixed income instruments. SFIN2 : 5 year tranche: ULIF 123 10/09/11 LRGF(T12) 105 10 year tranche: ULIF 124 10/09/11 LRGF(S5) 105 | Debt Instruments Money market & Cash | 100% | 100% | Low\nallowed once every year after completion of five policy years.","sources":[{"clause":null,"heading":"2. Benefits Payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-2-benefits-payable"},{"clause":"6.1","heading":"Partial Withdrawal","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-6-1"}],"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":["Highest NAV Fund A - Moderate","Highest NAV Fund B - Moderate","Highest NAV Fund C - Moderate","Multi Cap Growth Fund - High","Opportunities Fund - High","Bluechip Fund - High","Maximiser V - High","Multi Cap Balanced Fund - Moderate","Income Fund - Low","Money Market Fund - Low","Return Guarantee Fund (RGF) - Low","Smart Trigger Equity Fund - High","Smart Trigger Debt Fund - Low","Dynamic P/E Fund - High"],"display":"Highest NAV Fund A/B/C (Moderate); Multi Cap Growth, Opportunities, Bluechip, Maximiser V, Smart Trigger Equity and Dynamic P/E (High); Multi Cap Balanced (Moderate); Income, Money Market, Return Guarantee Fund and Smart Trigger Debt (Low)","note":null,"quote":"Highest NAV Fund A1 The investment objective for the Fund is to generate optimal returns through equity exposure while using debt instruments to manage the guarantee. ... | Moderate ... Highest NAV Fund B (SFIN: ULIF 116 15/03/11 LHighNavB 105) Same as Highest NAV Fund A as defined above in clause 5.1(I).Highest NAV Fund C (SFIN: ULIF 117 15/03/11 LHighNavC 105) Same as Highest NAV Fund A as defined above in clause 5.1(I). ... Multi Cap Growth Fund: To generate superior long-term returns from a diversified portfolio of equity and equity related instruments of large, mid and small cap companies. ... | High ... Opportunities Fund: To generate superior long-term returns from a diversified portfolio of equity and equity related instruments ... | High ... Bluechip Fund To provide long-term capital appreciation from equity portfolio predominantly invested in NIFTY scrips. ... | High ... Maximiser V To achieve long-term capital appreciation through investments primarily in equity and equity-related instruments. ... | High ... Multi Cap Balanced Fund: To achieve a balance between capital appreciation and stable returns ... | Moderate ... Income Fund To provide accumulation of income through investment in various fixed income securities. ... | Low ... Money Market Fund To provide suitable returns through low risk investments in debt and money market instruments while attempting to protect the capital deployed in the Fund. ... | Low ... *Return Guarantee Fund (RGF) To provide guaranteed returns through investment in a diversified portfolio of high quality fixed income instruments. ... | Low ... Smart Trigger Equity Fund3 : To generate superior long-term returns from a diversified portfolio of equity and equity related instruments ... | High ... Smart Trigger Debt Fund3 : To provide accumulation of income through investment in various fixed income securities. ... | Low ... Dynamic P/E Fund: To provide long term capital appreciation through dynamic asset allocation between equity and debt. ... | High","sources":[{"clause":"5.1","heading":"Investment Objectives of the Fund and Portfolio Allocation","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-5-1"},{"clause":null,"heading":"2. Benefits Payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-2-benefits-payable"},{"clause":"6.1","heading":"Partial Withdrawal","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-6-1"},{"clause":"6.2","heading":"Top Ups","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-6-2"},{"clause":"6.3","heading":"Switches","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-6-3"}],"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":null,"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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. For One Pay, Sum at Risk = Max {Sum Assured, Fund Value, Minimum Death Benefit} minus Fund Value; for Five Pay, Sum at Risk = Max {Sum Assured + Fund Value, Minimum Death Benefit} minus Fund Value.","display":"Monthly by redemption of Units; One Pay Sum at Risk = Max {Sum Assured, Fund Value, Minimum Death Benefit} – Fund Value; Five Pay Sum at Risk = Max {Sum Assured + Fund Value, Minimum Death Benefit} – Fund Value.","note":"The mortality charge rates are given in Annexure I.","quote":"Mortality Charge: Mortality charge will be calculated on the Sum at Risk described below. For One Pay: Sum at Risk = Max {Sum Assured, Fund Value, Minimum Death Benefit} – Fund Value For Five Pay:\nSum at Risk = Max {Sum Assured + Fund Value, Minimum Death Benefit} – Fund Value. Mortality charge will be deducted on a monthly basis by redemption of Units.","sources":[{"clause":"8.3","heading":"Age","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-8-3"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"Premium discontinuance charge is applicable for Five Pay and not for One Pay. The table shown in the extracted wording states Year 2: 4% of lower of AP or FV, maximum Rs. 5,000; Year 3: 3% of lower of AP or FV, maximum Rs. 4,000; Year 4: 2% of lower of AP or FV, maximum Rs. 2,000; Year 5 and onwards: NIL.","display":"Five Pay only: Year 2 4% of lower of AP or FV, max Rs. 5,000; Year 3 3%, max Rs. 4,000; Year 4 2%, max Rs. 2,000; Year 5 and onwards NIL. Not applicable for One Pay.","note":"The extracted table text does not show a Year 1 charge row.","quote":"Premium discontinuance is applicable only in case of Five Pay: ... Year in Which Premium is Discontinued | Premium Discontinuance Charge ... 2 | 4% of lower of (AP or FV), subject to a maximum of Rs. 5,000 ... 3 | 3% of lower of (AP or FV), subject to a maximum of Rs. 4,000 ... 4 | 2% of lower of (AP or FV), subject to a maximum of Rs. 2,000 ... 5 and onwards | NIL ... Note: “AP” stands for Annual premium and “FV” stands for Fund Value as on the date of premium discontinuance. Premium discontinuance charge is not applicable for One Pay.","sources":[{"clause":"4","heading":"Premium Discontinuance","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-4"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Partial withdrawal is allowed once every year after completion of five policy years, up to 20% of Fund Value on the withdrawal date, with no charge and current minimum withdrawal of Rs. 2,000. Four free switches are allowed each policy year; a non-free switch currently costs Rs.100 and the current minimum amount per switch is Rs. 2,000.","display":"Partial withdrawal: once every year after five policy years, up to 20% of Fund Value, no charge, minimum Rs. 2,000. Switches: four free switches each policy year; non-free switch Rs.100; minimum switch Rs. 2,000.","note":null,"quote":"Partial withdrawal shall be\n*Return Guarantee Fund (RGF) To provide guaranteed returns through investment in a diversified portfolio of high quality fixed income instruments. SFIN2 : 5 year tranche: ULIF 123 10/09/11 LRGF(T12) 105 10 year tranche: ULIF 124 10/09/11 LRGF(S5) 105 | Debt Instruments Money market & Cash | 100% | 100% | Low\nallowed once every year after completion of five policy years. ii. The maximum amount that can be withdrawn shall be up to 20% of the Fund Value as on the date of partial withdrawal. iii. There would be no charge for this withdrawal. iv. Currently, the minimum withdrawal amount is Rs. 2,000. ... You are allowed four free switches in each policy year. iv. Currently, for any non-free switch, a\nFund Name, Objective & SFIN | P/E Range | Allocation in Equity and Equity related securities | Risk-Reward Profile\nswitching charge of Rs.100/- shall be applicable ... Currently, the minimum amount per switch is Rs. 2,000/-","sources":[{"clause":"6.1","heading":"Partial Withdrawal","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-6-1"},{"clause":"6.3","heading":"Switches","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513#c-6-3"}],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Pinnacle Super: a unit linked insurance plan U83 Version 5 Valid from 03092011 to 16082011 - 105L121V05","pages":5,"fetched_at":"2026-10-20 01:27:17+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Pinnacle_Super__a_unit_linked_insurance_plan_U84_Ver_1_03Sept2011_to_16Aug2011.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22506"},{"kind":"wording","label":"ICICI Pru Pinnacle Super: a unit linked insurance plan U83 Version 4 Valid from 25112011 to 02092011 - 105L121V04","pages":5,"fetched_at":"2026-10-20 01:27:15+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Pinnacle_Super__a_unit_linked_insurance_plan_U83_Ver_4_25Nov2011_to_Till_Date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22507"},{"kind":"wording","label":"ICICI Pru Pinnacle Super: a unit linked insurance plan U83 Version 6 Valid from 17082011 to 15092011 - 105L121V06","pages":5,"fetched_at":"2026-10-20 01:27:19+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Pinnacle_Super__a_unit_linked_insurance_plan_U84_Ver_2_17Aug2011_to_15Sept2011.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22509"},{"kind":"wording","label":"ICICI Pru Pinnacle Super: a unit linked insurance plan U83 Version 8 Valid from 25112011 to Till Date - 105L121V08","pages":5,"fetched_at":"2026-10-20 01:27:23+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Pinnacle_Super__a_unit_linked_insurance_plan_U84_Ver_4_25Nov2011_to_Till_Date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22511"},{"kind":"wording","label":"ICICI Pru Pinnacle Super: a unit linked insurance plan U83 Version 7 Valid from 16092011 to 24112011 - 105L121V07","pages":5,"fetched_at":"2026-10-20 01:27:21+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Pinnacle_Super__a_unit_linked_insurance_plan_U84_Ver_3_16Sept2011_to_24Nov2011.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07/document/22513"}],"versions":[{"uin":"105L121V05","version":null,"approved_on":null},{"uin":"105L121V04","version":null,"approved_on":null},{"uin":"105L121V06","version":null,"approved_on":null},{"uin":"105L121V08","version":null,"approved_on":null},{"uin":"105L121V07","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 Pinnacle Super: a unit linked insurance plan (UIN 105L121V07), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-pinnacle-super-a-unit-linked-insurance-plan-105l121v07"}