{"uin":"105L189V08","name":"ICICI Life EzyGrow","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08","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 Life EzyGrow is a non-participating linked individual savings life insurance plan with Wealth and Assure plan variants. It has a five-year lock-in period, no premium allocation charge, and a 30-day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:38:43.299776+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":"quote-verified","value":["Assure","Wealth"],"display":"Assure; Wealth","note":null,"quote":"ICICI Life EzyGrow UIN: 105L189V08 Plan variant: Assure ... ICICI Life EzyGrow UIN: 105L189V08 Plan variant: Wealth","sources":[{"clause":"Row 1","heading":"Name of Insurance Product and Unique Identification Number (UIN)","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21521#c-row-1"},{"clause":"Row 1","heading":"Name of Insurance Product and Unique Identification Number (UIN)","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-row-1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Wealth: limited pay policy term is maximum of premium payment term plus 5 years or 10 years, up to 40 years; regular pay policy term is 15 to 40 years. Assure: limited pay policy term is 15 to 25 years.","display":"Wealth: limited pay min max(PPT+5 years, 10 years), regular pay 15 to 40 years; Assure: 15 to 25 years","note":"From the sales brochure.","quote":"Minimum Policy term | Limited pay; Maximum of (Premium payment term + 5 years) or 10 years Regular pay: 15 years\nMaximum Policy term | Limited pay & Regular pay: 40years ... Minimum/Maximum Policy term | Limited pay : 15/25 years","sources":[{"clause":null,"heading":"Wealth Variant","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-wealth-variant"},{"clause":null,"heading":"Assure Variant","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-assure-variant"}],"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 CIS gives claim contact details but does not state a deadline for intimating a claim.","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":"not-stated","value":null,"display":null,"note":"The CIS points to the specimen policy document for documents required, but the document list is not printed in the provided clauses.","quote":null,"sources":[],"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":"The CIS points to the insurer's turn-around-time webpage for death claims but does not print a settlement time.","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":["Suicide- If the Life Assured, whether sane or insane, commits suicide for any reason whatsoever within 12 months from the date of commencement of risk of the Policy or from the date of revival of the Policy, as applicable, the Policy will terminate and only the Fund Value including Top up Fund Value, if any, as available on the date of intimation of death or date of foreclosure or Date of Maturity whichever is earlier, will be payable to the Claimant."],"display":"Suicide within 12 months: only Fund Value including Top up Fund Value, if any, is payable","note":null,"quote":"Suicide- If the Life Assured, whether sane or insane, commits suicide for any reason whatsoever within 12 months from the date of commencement of risk of the Policy or from the date of revival of the Policy, as applicable, the Policy will terminate and only the Fund Value including Top up Fund Value, if any, as available on the date of intimation of death or date of foreclosure or Date of Maturity whichever is earlier, will be payable to the Claimant.","sources":[{"clause":null,"heading":"Other benefits/options payable, specific to","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-other-benefits-options-payable-specific-to"}],"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":"You may write to the grievance redressal officer through the insurer's grievance redressal page, contact the grievance redressal officer at branches, or write to gro@icicilife.com before using the Ombudsman route.","display":"Write to GRO through the grievance redressal page, at branches, or at gro@icicilife.com","note":null,"quote":"You may write to gro by visiting the grievance redressal page of our website: https://www.icicilife.com/service s/grievance-redressal.html. Alternatively, you can contact the Grievance redressal officer at our branches or write to us at gro@icicilife.com","sources":[{"clause":null,"heading":"For more information related to Premium","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-for-more-information-related-to-premium-2"}],"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":"quote-verified","value":"For the base policy, the minimum Sum Assured is 7 times Annualized Premium and the maximum Sum Assured is 10 times Annualized Premium. For top-ups, the Sum Assured is 1.25 times Top-up Premium or 10 times Top-up Premium.","display":"Base policy: minimum 7 times Annualized Premium, maximum 10 times Annualized Premium; top-ups: 1.25 times or 10 times Top-up Premium","note":"From the sales brochure.","quote":"Base policy | Minimum Sum Assured: 7 times Annualized Premium Maximum Sum Assured: 10 times Annualized Premium\nTop-ups | 1.25 times Top-up Premium or 10 times Top-up Premium","sources":[{"clause":null,"heading":"Sum Assured options","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-sum-assured-options"}],"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":"Wealth: on death during the policy term, if the policy is in force and monies are not in the Discontinued Policy Fund, the death benefit is the highest of Sum Assured including Top-up Sum Assured, Fund Value including Top-up Fund Value, or Minimum Death Benefit. Assure: the death benefit has a Lumpsum Benefit and Smart Benefit; the lump sum is higher of Sum Assured including Top-up Sum Assured and Minimum Death Benefit, with future premiums waived and family income if chosen.","display":"Wealth: highest of Sum Assured, Fund Value, or Minimum Death Benefit; Assure: Lumpsum Benefit plus Smart Benefit","note":"The detailed Assure benefit calculation is from the sales brochure.","quote":"Death Benefit will be highest of,\n• Sum Assured, including Top-up Sum Assured, if any\n• Fund Value including Top-up Fund Value, if as available on date of Foreclosure or Date of Maturity whichever is earlier\n• Minimum Death Benefit ... Death Benefit will comprise of the following two parts:\na. Lump sum Benefit, and\nb. Smart Benefit ... a lump sum benefit will be payable to the Claimant, which will be the higher of:\na) Sum Assured, including Top-Up Sum Assured, if any\nb) Minimum Death Benefit ... We shall also waive all future premiums payable under the policy after the date of death and will allocate units equivalent to instalment premium into the policy, as and when due.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-customer-information-sheet-know-2"},{"clause":null,"heading":"Maturity Booster","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-maturity-booster-2"}],"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 till maturity, the policy pays the Fund Value including Top-up Fund Value, if any, provided the policy has not already terminated. Under Assure, the brochure states the fund value is payable on maturity irrespective of survival, and if the life assured died before or on maturity it is payable to the claimant.","display":"Fund Value including Top-up Fund Value, if any, at maturity","note":"The Assure-specific maturity wording is from the sales brochure.","quote":"On survival of the Life Assured till the Date of Maturity, we will pay the Fund Value including Top-up Fund Value if any to You, provided the policy has not already been terminated. ... Maturity Benefit will be payable irrespective of the survival of the life assured on the date of maturity. In the event of the death of the life assured prior to or on the date of maturity, then the Maturity Benefit shall be payable to the claimant.","sources":[{"clause":"Row 5","heading":"Policy Coverage/benefits payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-row-5"},{"clause":null,"heading":"Maturity Booster","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-maturity-booster-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Wealth: limited pay premium payment term is 5 to 15 years and regular pay is 15 to 40 years. Assure: limited pay premium payment term is 5 to 15 years.","display":"Wealth: limited pay 5 to 15 years, regular pay 15 to 40 years; Assure: limited pay 5 to 15 years","note":"From the sales brochure.","quote":"Minimum/ Maximum Premium Payment Term | Limited pay : 5 /15years Regular pay: 15 (equal to minimum policy term)/ 40 years(equal to maximum policy term) ... Minimum/ Maximum Premium Payment Term | Limited pay : 5 /15years","sources":[{"clause":null,"heading":"Wealth Variant","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-wealth-variant"},{"clause":null,"heading":"Assure Variant","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-assure-variant"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum age at maturity is 70 years for Wealth and 60 years for Assure.","display":"Wealth: 70 years; Assure: 60 years","note":"From the sales brochure.","quote":"Minimum/Maximum Age at maturity | 18/70 years ... Minimum/Maximum Age at maturity | 33/60 years","sources":[{"clause":null,"heading":"Wealth Variant","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-wealth-variant"},{"clause":null,"heading":"Assure Variant","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-assure-variant"}],"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 commits suicide for any reason within 12 months from commencement of risk or revival, the policy terminates and only the Fund Value including Top up Fund Value, if any, available on the date of intimation of death, foreclosure or maturity, whichever is earlier, is payable.","display":"Within 12 months: only Fund Value including Top up Fund Value, if any, is payable","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide for any reason whatsoever within 12 months from the date of commencement of risk of the Policy or from the date of revival of the Policy, as applicable, the Policy will terminate and only the Fund Value including Top up Fund Value, if any, as available on the date of intimation of death or date of foreclosure or Date of Maturity whichever is earlier, will be payable to the Claimant.","sources":[{"clause":null,"heading":"Other benefits/options payable, specific to","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-other-benefits-options-payable-specific-to"}],"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":"During the lock-in period, the unit fund value including top-up fund value, if any, after discontinuance charges is credited to the discontinued policy fund and risk cover and rider cover cease. After the lock-in period, the surrender value equals the unit fund value including top-up fund value, if any, as on the surrender date.","display":"During lock-in: fund value after discontinuance charges goes to discontinued policy fund; after lock-in: unit fund value including top-up fund value, if any","note":null,"quote":"On surrender during the lock-in period, the unit fund value including top-up fund value, if any, after deducting applicable discontinuance charges shall be credited to the discontinuance policy fund and risk cover and rider cover, if any, shall cease. ... In case of surrender of policy after the lock-in period, the surrender value shall be equal to the unit fund value including top-up fund value, if any, as on the date of surrender shall be payable to you.","sources":[{"clause":null,"heading":"On surrender during the lock-in period, the","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-on-surrender-during-the-lock-in-period-the"},{"clause":null,"heading":"In case of surrender of policy after the lock-","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-in-case-of-surrender-of-policy-after-the-lock"}],"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":"The revival period is three years from the date of first unpaid premium, subject to the prevailing board-approved underwriting guidelines.","display":"3 years from the date of first unpaid premium","note":null,"quote":"The Revival Period is three years from the date of first unpaid premium. Revival will be based on the prevailing Board approved underwriting guidelines.","sources":[{"clause":null,"heading":"The Revival Period is three years from the","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-the-revival-period-is-three-years-from-the"}],"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":"Policy loan is not applicable.","display":"Not applicable","note":null,"quote":"14 | Policy Loan, if applicable | Not applicable","sources":[{"clause":null,"heading":"For more information related to Premium","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21521#c-for-more-information-related-to-premium-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The CIS has a row for riders opted, if any, but the provided documents do not list rider names available for this product.","quote":null,"sources":[],"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":"No life insurance policy can be called in question on any ground after three years from the relevant policy, risk commencement, revival or rider date. Within three years, it may be called in question on the ground of fraud, with the insurer communicating the grounds and materials in writing.","display":"Cannot be called in question after 3 years; within 3 years, fraud requires written grounds and materials","note":"From the sales brochure.","quote":"No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e., from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. ... A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based.","sources":[{"clause":"Row 4(k)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-row-4-k"}],"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":"quote-verified","value":"Tax benefits may be available as per prevailing tax laws and are subject to prevailing conditions and provisions of the Income Tax Act, 2025; the document says to consult a tax advisor.","display":"Tax benefits may be available as per prevailing tax laws","note":"From the sales brochure.","quote":"Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to prevailing conditions and provisions of the Income Tax Act, 2025. Taxes , if any, will be charged extra as per applicable rates. The tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.","sources":[{"clause":null,"heading":"Terms and Conditions","page":41,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-terms-and-conditions"}],"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":30},"display":"30 days","note":null,"quote":"12 | Free Look Period | 30 days","sources":[{"clause":null,"heading":"Other benefits/options payable, specific to","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-other-benefits-options-payable-specific-to"}],"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":15},"display":"Monthly – 15 days; any other premium payment frequency – 30 days","note":"The grace period is 15 days for monthly mode and 30 days for any other premium payment frequency.","quote":"Monthly – 15 days Any other premium payment frequency – 30 days","sources":[{"clause":null,"heading":"Other benefits/options payable, specific to","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-other-benefits-options-payable-specific-to"}],"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":"quote-verified","value":"Entry age is 0 to 55 years for Wealth and 18 to 45 years for Assure.","display":"Wealth: 0 to 55 years; Assure: 18 to 45 years","note":"From the sales brochure.","quote":"Minimum/ Maximum age at entry (in years) | 0 years/ 55 years ... Minimum/ Maximum age at entry (in years) | 18 years/ 45 years","sources":[{"clause":null,"heading":"Wealth Variant","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-wealth-variant"},{"clause":null,"heading":"Assure Variant","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-assure-variant"}],"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","Half- yearly","Monthly"],"display":"Annual, Half- yearly, Monthly","note":"From the sales brochure.","quote":"Premium Payment Frequency: Annual, Half- yearly, Monthly","sources":[{"clause":null,"heading":"Sum Assured options","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-sum-assured-options"}],"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":["Limited pay","Regular pay"],"display":"Limited pay; Regular pay","note":"From the sales brochure. Regular pay is shown for Wealth; Assure shows limited pay.","quote":"Limited pay : 5 /15years Regular pay: 15 (equal to minimum policy term)/ 40 years(equal to maximum policy term) ... Limited pay : 5 /15years","sources":[{"clause":null,"heading":"Wealth Variant","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-wealth-variant"},{"clause":null,"heading":"Assure Variant","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-assure-variant"}],"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":"Five consecutive completed years","note":null,"quote":"Lock-in period for Linked Insurance products- Five consecutive completed years from the date of commencement of risk.","sources":[{"clause":null,"heading":"Lock-in period for Linked Insurance","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525#c-lock-in-period-for-linked-insurance"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"There is no premium allocation charge in this plan.","display":"No premium allocation charge","note":"From the sales brochure.","quote":"There is no premium allocation charge in this plan.","sources":[{"clause":null,"heading":"Premium Allocation Charge","page":31,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-premium-allocation-charge"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Policy Administration Charge is levied at the beginning of every month by redemption of units, subject to a maximum of ₹ 500 per month. The monthly policy administration charge is 0.25% of Annualized Premium for the entire policy term.","display":"0.25% of AnnualizedPremium monthly, maximum ` 500 per month","note":"From the sales brochure.","quote":"Policy Administration Charge will be levied at the beginning of every month by redemption of units, subject to a maximum of ` 500 per month.\n• The monthly policy administration charge in this product is 0.25% of AnnualizedPremium for the entire policy term.","sources":[{"clause":null,"heading":"Policy Administration Charge","page":33,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-policy-administration-charge"}],"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 charges are levied every month by redemption of units based on the Sum at Risk. The brochure says the mortality charges are given in Appendix I of the policy document and that the mortality charge table is guaranteed during the contract period.","display":"Levied monthly by redemption of units based on Sum at Risk","note":"From the sales brochure.","quote":"Mortality charges will be levied every month by redemption of units based on the Sum at Risk. ... Mortality charges are gives in the Appendix I of policy document.\nMortality Charge will be deducted on a monthly basis by redemption of units. ... The mortality charge table shall be guaranteed during the contract period.","sources":[{"clause":null,"heading":"Mortality Charges","page":33,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-mortality-charges"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"If discontinued in policy years 1 to 4, the charge depends on annualized premium and fund value: for annualized premium up to ₹ 50,000 it is lower of 20%, 15%, 10% or 5% of AP or FV, capped at ₹ 3,000, ₹ 2,000, ₹ 1,500 or ₹ 1,000 respectively; for annualized premium above ₹ 50,000 it is lower of 6%, 4%, 3% or 2% of AP or FV, capped at ₹ 6000, ₹ 5,000, ₹ 4,000 or ₹2,000 respectively. From policy year 5 onwards it is nil.","display":"Years 1-4: capped percentage of AP or FV; 5 and onwards: NIL","note":"From the sales brochure. AP means Annualized Premium and FV means total Fund Value on the Date of Discontinuance.","quote":"Where the policy is discontinued during the policy year | Discontinuance Charge\nAnnualized premium ≤ ` 50,000 | Annualized premium > ` 50,000 ... 1 | Lower of 20% of (AP or FV), subject to a maximum of ` 3,000 | Lower of 6% (AP or FV), subject to a maximum of ` 6000 ... 2 | Lower of 15% of (AP or FV), subject to a maximum of `2,000 | Lower of 4% of (AP or FV), subject to a maximum of ` 5,000 ... 3 | Lower of 10% of (AP or FV), subject to a maximum of ` 1,500 | Lower of 3% of (AP or FV), subject to a maximum of ` 4,000 ... 4 | Lower of 5% of (AP or FV), subject to a maximum of `1,000 | Lower of 2% of (AP or FV), subject to a maximum of `2,000\n5 and onwards | NIL | NIL","sources":[{"clause":null,"heading":"Discontinuance Charges","page":35,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-discontinuance-charges"},{"clause":"Row 1","heading":"Lower of 20% of (AP or FV), subject to a maximum of ` 3,000","page":35,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-row-1"},{"clause":"Row 2","heading":"Lower of 15% of (AP or FV), subject to a maximum of `2,000","page":35,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-row-2"},{"clause":"Row 3","heading":"Lower of 10% of (AP or FV), subject to a maximum of ` 1,500","page":35,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-row-3"},{"clause":"Row 4","heading":"Lower of 5% of (AP or FV), subject to a maximum of `1,000","page":35,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-row-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 withdrawals are allowed after completion of the lock-in period and payment of five full years' premiums, if monies are not in the Discontinued Policy Fund. They are free of cost, capped at 20% of Fund Value in a policy year, with minimum ₹ 2,000 each withdrawal; under Fixed Portfolio Strategy, fund switches are unlimited and free.","display":"Partial withdrawals after 5 policy years and five full years’ premiums; free switches unlimited under Fixed Portfolio Strategy","note":"From the sales brochure.","quote":"You can avail this any time after the completion of five policy years, provided the monies are not in the Discontinued Policy fund. You can make partial withdrawals as long as the total amount of partial withdrawals in a year does not exceed 20% of the Fund Value in a policy year. The partial withdrawals are free of cost. ... You can withdraw a minimum amount of `2,000 on each withdrawal. ... If you have chosen the Fixed Portfolio strategy, you can switch units from one fund to another depending on your financial priorities and savings outlook as many times as you want. This benefit is available to you without any charge. Switches are not available under other portfolio strategies.","sources":[{"clause":"2","heading":"Partial Withdrawal Benefit","page":24,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-2"},{"clause":"4","heading":"Unlimited free switches between fund for Fixed Portfolio Strategy","page":27,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466#c-4"}],"law":[]}],"documents":[{"kind":"cis","label":"ICICI Life EzyGrow - Assure - Customer Information Sheet","pages":7,"fetched_at":"2026-10-20 00:48:05+00","source_url":"https://www.icicilife.com/content/dam/icicipru/customer-information-sheet/ICICI-Pru-EzyGrow-Assure-Customer-Information-Sheet.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21521"},{"kind":"cis","label":"ICICI Life EzyGrow - Wealth - Customer Information Sheet","pages":7,"fetched_at":"2026-10-20 00:48:15+00","source_url":"https://www.icicilife.com/content/dam/icicipru/customer-information-sheet/ICICI-Pru-EzyGrow-Wealth-Customer-Information-Sheet.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21525"},{"kind":"brochure","label":"ICICI Life EzyGrow","pages":48,"fetched_at":"2026-10-20 00:45:01+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Pru_EzyGrow_Brochure.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08/document/21466"}],"versions":[],"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 EzyGrow (UIN 105L189V08), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-ezygrow-105l189v08"}