{"uin":"105L191V06","name":"ICICI Life Protect N Gain","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06","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 Protect N Gain is a non-participating linked individual savings life insurance plan with Life and Growth plan options. Death benefit is the highest of Sum Assured, Fund Value and Minimum Death Benefit, and maturity benefit is the Fund Value.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:38:40.240411+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":["Life","Growth"],"display":"Life; Growth","note":"The option has to be chosen at inception and cannot be changed during the policy term.","quote":"There are two plan options \"Life\" and \"Growth\" available under this Policy. The plan chosen by You is as mentioned in Your Policy Schedule. The benefits payable shall be as per the plan chosen by You.","sources":[{"clause":"Part C","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-part-c"}],"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":"30 - 40 years.","display":"30 - 40 years","note":"From the sales brochure.","quote":"Premium Payment option Limited Pay | Premium Payment Term (in years) 5 - 12 | Policy term (in years) 30 - 40","sources":[{"clause":null,"heading":"Protection that is more than just life cover","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/21478#c-protection-that-is-more-than-just-life-cover"}],"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 refers to intimation of death for NAV purposes, but does not state a deadline for claim intimation.","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":["Duly filled and signed Claimant Statement Form","Copy of Death Certificate of the Life Assured, issued by government authority","Claimant address proof","Claimant photo identity proof","Recent photograph of the claimant","Pan card / Form 97 of the claimant","Duly filled and signed Payout mandate form with bank account details of the claimant","Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant","Medico-legal cause of death certificate","First Information Report (FIR)","Inquest/ Panchnama Report","Final police investigation report","Post Mortem Report (PMR)","Viscera / Chemical examination report","Newspaper Cutting, if any","Driving License, if applicable","Hospitalization / treatment records if any","Duly filled in Medical/ Hospital Attendant Certificate","Duly filled in Employer Certificate, if applicable","Past medical records and treatment papers","All hospitalization records","Duly filled in Treating Doctor Certificate","Cancelled Cheque for settlement/maturity claim","KYC of Proposer","Settlement option form, if opted"],"display":"Death claim documents include claim form, death certificate, claimant KYC/address proofs, photo, PAN/Form 97, payout mandate and cancelled cheque/bank proof; additional documents are required by cause of death. Settlement/maturity claim documents include cancelled cheque, proposer KYC and settlement option form if opted.","note":null,"quote":"For processing a death claim under this Policy, We will require the following documents (as may be relevant): • Duly filled and signed Claimant Statement Form • Copy of Death Certificate of the Life Assured, issued by government authority • Claimant address proof* • Claimant photo identity proof* • Recent photograph of the claimant • Pan card / Form 97 of the claimant • Duly filled and signed Payout mandate form with bank account details of the claimant • Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant ... DOCUMENTS REQUIRED BASED ON CAUSE OF DEATH A. In case of death due to Unnatural causes such as Accidents (Road / Rail / Air etc), Murder, Suicide, etc. • Medico-legal cause of death certificate • First Information Report (FIR) from the police authority • Inquest/ Panchnama Report • Final police investigation report • Post Mortem Report (PMR) issued by the hospital • Viscera / Chemical examination report • Newspaper Cutting, if any • Driving License (of the Life Assured driving the vehicle in case of death due to a road accident) • Hospitalization / treatment records if any • Duly filled in Medical/ Hospital Attendant Certificate • Duly filled in Employer Certificate (only if Life Assured was a salaried individual) B. In Case of death due to Natural or medical causes (death at home, hospital) • Medico-legal / Medical cause of death certificate • Past medical records and treatment papers • All hospitalization records of the Life Assured such as: i. Admission form ii. Indoor Case Papers (ICPs) iii. Discharge summary iv. Diagnostic test reports such as USG, Pathology / Lab reports etc., • Duly filled in Treating Doctor Certificate. Duly filled in Medical/ Hospital Attendant Certificate. For processing a Settlement/maturity claim under this Policy, We will require the following documents a) Cancelled Cheque of the Claimant for processing electronic payment b) KYC of Proposer of the policy c) Settlement option form, if opted.","sources":[{"clause":"11","heading":"Payment of claim For processing a death claim under this Policy, We will require","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-11"}],"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 policy lists claim documents but does not state a time promised for deciding or paying claims.","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 within 12 months: only Fund Value is payable","corresponding Top-up Sum Assured shall not be considered in the calculation of the Death Benefit","while monies are in the Discontinued Policy Fund, Risk Cover, Rider Cover and Minimum Death Benefit will not apply","if the Fund Value becomes nil, then the policy will terminate and no benefits will be payable","The Funds, except for Discontinued Policy Fund, do not offer a guaranteed or assured return"],"display":"Main exclusions/limitations include suicide within 12 months, Top-up Sum Assured exclusion on suicide within 12 months of top-up, no risk cover/minimum death benefit while in Discontinued Policy Fund, no benefits if fund value becomes nil after lock-in, and no guaranteed return except Discontinued Policy Fund.","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 the Policy or from the date of revival of the Policy, as applicable, the policy will terminate and only the Fund Value 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. ... If the Life Assured, whether sane or insane, commits suicide within 12 months from the effective date of any Top-up, then the corresponding Top-up Sum Assured shall not be considered in the calculation of the Death Benefit. ... While monies are in the Discontinued Policy Fund: i. Risk Cover, Rider Cover and Minimum Death Benefit will not apply. ... if the Fund Value becomes nil, then the policy will terminate and no benefits will be payable. ... The Funds, except for Discontinued Policy Fund, do not offer a guaranteed or assured return.","sources":[{"clause":"11","heading":"Payment of claim For processing a death claim under this Policy, We will require","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-11"},{"clause":"14","heading":"Surrender i. Surrender during lock-in period","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-14"},{"clause":null,"heading":"Table of Contents","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-table-of-contents"}],"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":"First contact customer service. If there is no resolution or dissatisfaction, submit the concern to the designated Grievance Redressal Officer at the grievance redressal section of the website or write to gro@icicilife.com; if still unresolved, escalate to the internal Grievance Redressal Committee.","display":"Customer service, then GRO at gro@icicilife.com, then internal Grievance Redressal Committee.","note":null,"quote":"For any clarification or assistance, You may submit your query or request through 'write to us' section on our mobile app or website. ... i) Grievance Redressal Officer: If You do not receive any resolution from Us or if You are not satisfied with Our resolution, You may submit your concern to the designated grievance redressal officer (GRO) at the 'grievance redressal' section on our website, or write to us at at gro@icicilife.com . ... ii) Grievance Redressal Committee: If You do not receive any resolution or if You are not satisfied with the resolution provided by the GRO, You may escalate the matter to Our internal grievance redressal committee","sources":[{"clause":"1","heading":"Customer service","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-1-6"},{"clause":"1(i)","heading":"Grievance Redressal Officer","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-1-i"},{"clause":"1(ii)","heading":"Grievance Redressal Committee","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-1-ii"}],"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":"Sum Assured is the amount specified in the Policy Schedule. Top-up premiums increase the Sum Assured by Top-up Sum Assured when a top-up is availed.","display":"Specified in the Policy Schedule; increases by Top-up Sum Assured on top-up.","note":"The brochure says maximum premium/maximum sum assured is subject to BAUP, but the wording does not give a numeric minimum or maximum.","quote":"Sum Assured means the amount specified in the Policy Schedule. ... Your Sum Assured will increase by Top-up Sum Assured when you avail of a Top-up.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-1"},{"clause":"3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-3"}],"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":"If the life assured dies during the policy term while the policy is in force and monies are not in the Discontinued Policy Fund, the claimant receives the highest of Sum Assured including Top-up Sum Assured, Fund Value on the date of intimation of death or foreclosure/maturity whichever is earlier, and Minimum Death Benefit. If monies are in the Discontinued Policy Fund, the claimant receives the proceeds of that fund.","display":"Highest of Sum Assured including top-up, Fund Value, or Minimum Death Benefit; Discontinued Policy Fund proceeds if monies are there.","note":"Minimum Death Benefit is 105% of total premiums paid up to date of death.","quote":"Death Benefit payable will be highest of: a) Sum Assured, including Top-up Sum Assured, if any b) Fund Value as available on date of intimation of death or date of Foreclosure/date of Maturity whichever is earlier c) Minimum Death Benefit ii. On death of the Life Assured, while monies are in the Discontinued Policy Fund, Death Benefit payable to the Claimant will be the proceeds of the Discontinued Policy Fund applicable to your Policy.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-1-2"}],"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":"Under both plan options, on survival till the Date of Maturity the insurer pays the Fund Value, provided the policy has not already terminated. A Maturity Booster of 20 percentage of the average Fund Values on the last business day of the last eight policy quarters is allocated as extra units at the end of the policy term if the policy is in force.","display":"Fund Value on survival to maturity, plus Maturity Booster if in force.","note":null,"quote":"Under both the Plan Options, on survival of the Life Assured till the Date of Maturity, we will pay the Fund Value to You, provided the policy has not already been terminated. ... Maturity Booster will be allocated as extra units at the end of the policy term provided the policy is in-force. ii. The Maturity Booster will be equal to 20 percentage of the average of the Fund Values on the last business day of the last eight policy quarters.","sources":[{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-2"},{"clause":"2(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-2-a"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"5 - 12 years.","display":"5 - 12 years","note":"From the sales brochure.","quote":"Premium Payment option Limited Pay | Premium Payment Term (in years) 5 - 12 | Policy term (in years) 30 - 40","sources":[{"clause":null,"heading":"Protection that is more than just life cover","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/21478#c-protection-that-is-more-than-just-life-cover"}],"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 85 years.","display":"Maximum age at maturity: 85 years","note":"From the sales brochure.","quote":"Minimum/ Maximum age at maturity (in years) 48/ 85","sources":[{"clause":null,"heading":"Protection that is more than just life cover","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/21478#c-protection-that-is-more-than-just-life-cover"}],"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 within 12 months from commencement or revival, the policy terminates and only the Fund Value as available on the date of intimation of death or foreclosure/maturity whichever is earlier is payable. Charges other than Fund Management Charges and guarantee charges recovered after death are added back; if suicide is within 12 months from a top-up, the corresponding Top-up Sum Assured is not considered in the death benefit.","display":"Within 12 months: only Fund Value payable; post-death non-FMC/guarantee charges added back; top-up sum assured excluded for suicide within 12 months of top-up.","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 the Policy or from the date of revival of the Policy, as applicable, the policy will terminate and only the Fund Value 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. Any charges other than Fund Management Charges and guarantee charges, if any, recovered subsequent to the date of death shall be added back to the fund value as available on the date of intimation of death or Date of Foreclosure or Date of Maturity whichever is earlier. ... If the Life Assured, whether sane or insane, commits suicide within 12 months from the effective date of any Top-up, then the corresponding Top-up Sum Assured shall not be considered in the calculation of the Death Benefit.","sources":[{"clause":"11","heading":"Payment of claim For processing a death claim under this Policy, We will require","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-11"}],"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":"On surrender during the lock-in period, Fund Value after discontinuance charges is credited to the Discontinued Policy Fund and paid on the earlier of death of the life assured or expiry of the five-year lock-in. After lock-in, surrender value as on the surrender date is payable and the policy terminates.","display":"During lock-in: Fund Value less discontinuance charges to Discontinued Policy Fund, paid at death or lock-in expiry; after lock-in: Surrender Value payable.","note":null,"quote":"On surrender during the lock-in period, the Fund Value after deducting applicable discontinuance charges shall be credited to the Discontinued Policy Fund and risk cover and rider cover, if any, shall cease. ... You or the Claimant, as the case may be, will be entitled to receive the Discontinued Policy Fund Value applicable to your Policy, on the earlier of death of the Life Assured or the expiry of the Lock-in Period. Currently the Lock-in Period is five years from policy inception. ii. Surrender after lock-in period : In case of Surrender of policy after the lock-in period, the Surrender Value , as on the date of Surrender shall be payable to You.","sources":[{"clause":"14","heading":"Surrender i. Surrender during lock-in period","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-14"}],"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":"After the lock-in period, if premium is not paid after the grace period, the policy converts into a reduced paid-up policy without rider cover. Reduced paid-up Sum Assured equals Original Sum Assured multiplied by total months of premiums paid divided by premium payment term times 12.","display":"Reduced paid-up after lock-in; Reduced paid-up Sum Assured = Original Sum Assured X (months paid / [PPT X 12]).","note":null,"quote":"Upon expiry of the Grace Period, in case of Discontinuance of Policy due to non-payment of premium after the lock-in period, the Policy will be converted into a reduced paid-up Policy with paid-up sum assured. The Policy shall continue to be in reduced paid-up status without rider cover, if any. Reduced paid-up Sum Assured = Original Sum Assured X (total number of months for which premiums have already been paid / [premium payment term X 12]).","sources":[{"clause":"14","heading":"Surrender i. Surrender during lock-in period","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-14"}],"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. Revival is based on board-approved underwriting guidelines and requires all due and unpaid premiums and satisfactory evidence of health as required.","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. ... For the purpose of revival the following conditions are applicable: a. You, at your own expense, furnish satisfactory evidence of health of the Life Assured, as required by us;","sources":[{"clause":"14","heading":"Surrender i. Surrender during lock-in period","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-14"}],"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":"Loans are not applicable under this policy.","display":"Loans not applicable.","note":null,"quote":"Loans Not applicable.","sources":[{"clause":"12","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-12"}],"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 Life Linked Accidental Death & Disability Rider","ICICI Life Linked Waiver of Premium Rider"],"display":"ICICI Life Linked Accidental Death & Disability Rider; ICICI Life Linked Waiver of Premium Rider.","note":"From the sales brochure; rider terms are separate and not part of the base product answer.","quote":"Additional protection through riders Avail Additional protection through ICICI Life Linked Accidental Death & Disability Rider ... Avail Additional protection though ICICI Life Linked Waiver of Premium Rider","sources":[{"clause":null,"heading":"Policy revival","page":36,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/21478#c-policy-revival"},{"clause":null,"heading":"Avail Additional protection though ICICI Life Linked Waiver of Premium Rider","page":37,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/21478#c-avail-additional-protection-though-icici-life-li"}],"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 issuance, risk commencement, revival or rider date, whichever is later. Within three years it may be called in question for fraud or material misstatement/suppression, with written communication of the grounds and materials.","display":"After 3 yrs, no questioning on any ground; within 3 years for fraud or material misstatement with written grounds.","note":null,"quote":"1.No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from a)the date of issuance of policy or b) the date of commencement of risk or c) the date of revival of policy or d) the date of rider to the policy whichever is later. 2. On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from a) the date of issuance of policy or b) the date of commencement of risk or c) the date of revival of policy or d) the date of rider to the policy whichever is later. ... 6.Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made in the proposal or other document basis which policy was issued or revived or rider issued.","sources":[{"clause":"Appendix V","heading":"Section 45 – Policy shall not be called in question on the ground of","page":12,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-appendix-v"},{"clause":"Appendix V(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-appendix-v-a"}],"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, subject to prevailing conditions and provisions of the Income Tax Act, 2025; the brochure advises consulting 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":"Avail Additional protection though ICICI Life Linked Waiver of Premium Rider","page":37,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/21478#c-avail-additional-protection-though-icici-life-li"}],"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":"Applies if not satisfied or in disagreement with the policy terms and conditions and no claim has been made.","quote":"the policy document needs to be returned to the Company with reasons for cancellation within 30 days from the date of receipt of the policy document.","sources":[{"clause":"2(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-2-a"}],"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":"15 days for monthly frequency; 30 days for any other frequency","note":"Norm uses the monthly-mode grace period; other frequencies get 30 days.","quote":"you will be given a grace period of 15 days for payment of due instalment premium if You have chosen monthly frequency, and 30 days for payment of due instalment premium if You have chosen any other frequency, commencing from the premium due date. The life cover continues during the grace period.","sources":[{"clause":"4","heading":"Grace Period If you are unable to pay Instalment Premium by the due date, you will","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-4"}],"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":"Minimum entry age is 18 years. Maximum entry age is 55 years for Life option and 50 years for Growth option.","display":"Life: 18/55 years; Growth: 18/50 years","note":"From the sales brochure.","quote":"Minimum/ Maximum age at entry (in years) Life: 18/55 Growth: 18/50","sources":[{"clause":null,"heading":"Protection that is more than just life cover","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/21478#c-protection-that-is-more-than-just-life-cover"}],"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","halfyearly","monthly"],"display":"Annual, halfyearly or monthly","note":null,"quote":"Modes of premium payment permitted are: Annual, halfyearly or monthly.","sources":[{"clause":"3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-3"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Limited Pay"],"display":"Limited Pay","note":"From the sales brochure.","quote":"Premium Payment option Limited Pay","sources":[{"clause":null,"heading":"Protection that is more than just life cover","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/21478#c-protection-that-is-more-than-just-life-cover"}],"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 means the period of five consecutive completed years from the risk commencement date of the Policy, during which period the proceeds of the policies cannot be paid by Us to You or the Life Assured, except in the case of death of the Life Assured or upon the happening of any other contingency covered under the policy.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-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":"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":"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 year 1, charge is lower of 20% of AP or FV capped at Rs. 3,000 for annualized premium below Rs. 50,000, or lower of 6% of AP or FV capped at Rs. 6,000 for annualized premium above Rs. 50,000. In year 2 it is lower of 15% capped at Rs. 2,000 or lower of 4% capped at Rs. 5,000; in year 3, lower of 10% capped at Rs. 1,500 or lower of 3% capped at Rs. 4,000; in year 4, lower of 5% capped at Rs. 1,000 or lower of 2% capped at Rs. 2,000; year 5 onwards NIL.","display":"Years 1-4: graded lower of AP/FV with caps; 5 and onwards NIL.","note":"AP is Annualized Premium; FV is Fund Value on the Date of Discontinuance.","quote":"Where the policy is discontinued during the policy year | Discontinuance Charge Annualized 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 ` 6,000 ... 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 ... 5 and onwards | NIL | NIL","sources":[{"clause":"5","heading":"Discontinuance Charge Discontinuance Charges are described below","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-5-3"},{"clause":"Row 1","heading":"Lower of 20% of (AP or FV), subject to a maximum of ` 3,000","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-row-1"},{"clause":"5","heading":"Discontinuance Charge Discontinuance Charges are described below","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-5-4"}],"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":"Under Fixed Portfolio Strategy, switches between funds are unlimited and free, with a minimum switch amount of Rs. 2,000; switches are not available under other portfolio strategies or if monies are in the Discontinued Policy Fund. Partial withdrawals are allowed after lock-in and payment of five full years' premiums, minimum Rs. 2,000, until Fund Value reaches four times Annualized Premium; SWP is allowed after lock-in.","display":"Unlimited free switches under Fixed Portfolio Strategy; minimum switch Rs. 2,000. Partial withdrawals after lock-in and five full years' premiums; minimum Rs. 2,000; SWP after lock-in.","note":null,"quote":"If you select the Fixed Portfolio Strategy you have an option to switch units between the funds available under this plan. Switches are not available under other Portfolio Strategies. ... There is no restriction on the number of switches you can make and all switches will be free. iv. The minimum amount per switch is ` 2,000/-. v. Switches will not be allowed if monies are in the Discontinued Policy Fund. ... Partial withdrawals will be allowed after completion of Lock- In Period and subject to payment of five full years’ premiums provided the monies are not in Discontinued Policy Fund. ... The minimum partial withdrawal amount is ` 2,000/-. ... Systematic Withdrawal Plan is allowed only after the completion of Lock-In Period.","sources":[{"clause":"2(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-2-a"},{"clause":"5","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215#c-5-2"}],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Protect N Gain_Valid from 10042026 to 30042026 - 105L191V06","pages":11,"fetched_at":"2026-10-20 01:16:00+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Protect_N_Gain_Valid_from_10042026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22209"},{"kind":"wording","label":"ICICI Pru Protect N Gain_Valid from 01052026 to 15062026 - 105L191V06","pages":11,"fetched_at":"2026-10-20 01:16:02+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Protect_N_Gain_Valid_from_01052026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22210"},{"kind":"wording","label":"ICICI Pru Protect N Gain_Valid from 16062026 to 09082026 - 105L191V06","pages":11,"fetched_at":"2026-10-20 01:16:04+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Protect_N_Gain_Valid_from_16062026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22211"},{"kind":"wording","label":"ICICI Pru Protect N Gain_Valid from 10082026 to till date - 105L191V06 (Hindi)","pages":16,"fetched_at":"2026-10-20 01:16:08+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Protect_N_Gain_Valid_from_10082026_to_till_date_Hindi.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22212"},{"kind":"wording","label":"ICICI Pru Protect N Gain_Valid from 10082026 to 04102026 - 105L191V06","pages":12,"fetched_at":"2026-10-20 01:16:06+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Protect_N_Gain_Valid_from_10082026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22213"},{"kind":"wording","label":"ICICI Life Protect N Gain_Valid from 05102026 to till date - 105L191V06","pages":12,"fetched_at":"2026-10-20 01:16:10+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Life_Protect_N_Gain_Valid_from_05102026_to_till_date-105L191V06.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/22215"},{"kind":"brochure","label":"ICICI Life Protect N Gain","pages":44,"fetched_at":"2026-10-20 00:45:49+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Pru_Protect_N_Gain_Brochure.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06/document/21478"}],"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 Protect N Gain (UIN 105L191V06), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-protect-n-gain-105l191v06"}