{"uin":"105L210V01","name":"ICICI Life Signature Secure","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01","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 Signature Secure is a single pay linked life savings insurance plan with a 5 year policy term and a 5 year lock-in. It pays the higher of fund value and guaranteed maturity benefit on maturity, and policy monies are invested only in the Secure Income Fund.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:40:06.100959+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":["ICICI Life Signature Secure"],"display":"ICICI Life Signature Secure","note":"No separate named plan variants are stated in the policy wording.","quote":"ICICI Life Signature Secure","sources":[{"clause":null,"heading":"ICICI Life Signature Secure","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-icici-life-signature-secure"}],"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":"5 years.","display":"5 years","note":"From the sales brochure.","quote":"Minimum/Maximum Policy terms in years | 5 years","sources":[{"clause":null,"heading":"ICICI Life Signature Secure at a glance","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/21507#c-icici-life-signature-secure-at-a-glance"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The policy says death-claim intimation for NAV purposes must be in writing, but it does not state a deadline.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["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) from the police authority","Post Mortem Report (PMR) issued by the hospital","Past medical records and treatment papers","All hospitalization records of the Life Assured","Treating Doctor Certificate","Medical/ Hospital Attendant Certificate"],"display":"Claimant statement, death certificate, claimant KYC/photo/PAN, payout mandate and bank proof; cause-specific medical, police and hospital records may also be required.","note":"The listed documents are required as may be relevant, and additional cause-of-death documents apply for unnatural, natural or medical causes.","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*\n• 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) from the police authority • Inquest/ Panchnama Report • Final police investigation report • Post Mortem Report (PMR) issued by the hospital\n• 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 ... • 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","sources":[{"clause":"10","heading":"Payment of claim: For processing a death claim under this Policy, We will require","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-10-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Switches: Not allowed","Top-ups: Not allowed","Partial Withdrawals: Not allowed","Increase or Decrease in Sum Assured: Not allowed","Increase or Decrease in Policy Term: Not allowed","Risk Cover, Rider Cover (if any) and Minimum Death Benefit will not apply while monies are in the Discontinued Policy Fund","In the event of death of the Life Assured on the Date of Maturity, only the Maturity Benefit (if applicable) is payable, and the Death Benefit shall not be payable","Suicide within 12 months pays only the suicide-clause amount","The Funds, except for Discontinued Policy Fund, do not offer a guaranteed or assured return"],"display":"Main non-payable or unavailable items include no switches, top-ups or partial withdrawals; no risk cover/minimum death benefit while in the Discontinued Policy Fund; no death benefit on the date of maturity; and the suicide clause applies in the first 12 months.","note":"The suicide clause is conflicting between the two policy wordings; the latest wording is reflected here.","quote":"2 Switches\nNot allowed ... 3 Top-ups\nNot allowed ... 5 Partial Withdrawals\nNot allowed ... 8 Increase or Decrease in Sum Assured\nNot allowed ... 9 Increase or Decrease in Policy Term\nNot allowed ... i) Risk Cover, Rider Cover (if any) and Minimum Death Benefit will not apply. ... In the event of death of the Life Assured on the Date of Maturity, only the Maturity Benefit (if applicable) is payable, and the Death Benefit shall not be payable ... If the Life Assured, whether sane or insane, commits suicide within 12\nmonths from the Date of commencement of risk of this Policy, We will refund higher of 80% of the Total Premiums Paid, if any till the date of death or Policy Cancellation Value as available on the date of death, provided the Policy is in force. ... vii. The Funds, except for Discontinued Policy Fund, do not offer a guaranteed or assured return.","sources":[{"clause":"2","heading":"Switches","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-2-2"},{"clause":"3","heading":"Top-ups","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-3-3"},{"clause":"5","heading":"Partial Withdrawals","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-5-2"},{"clause":"8","heading":"Increase or Decrease in Sum Assured","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-8"},{"clause":"9","heading":"Increase or Decrease in Policy Term","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-9"},{"clause":"Row 1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-row-1-i"},{"clause":"1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-1-i"},{"clause":"11","heading":"Suicide: If the Life Assured, whether sane or insane, commits suicide within 12","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-11-2"},{"clause":"12(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-12-i"}],"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 you are not satisfied, complain to the designated Grievance Redressal Officer, then escalate to the internal Grievance Redressal Committee before approaching IRDAI or the Insurance Ombudsman.","display":"Customer service → Grievance Redressal Officer → Grievance Redressal Committee → IRDAI / Insurance Ombudsman","note":null,"quote":"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 . ... 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 at the 'grievance redressal' section on our website or write a letter at the address mentioned below: ... If you are not satisfied with the response or do not receive a response from us within two weeks, you may approach Policyholders' Protection and Grievance Redressal Department","sources":[{"clause":"1(i)","heading":"Grievance Redressal Officer","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-1-i-2"},{"clause":"1(ii)","heading":"Grievance Redressal Committee","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-1-ii"},{"clause":"1(iii)","heading":"Policyholders' Protection and Grievance Redressal Department","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-1-iii"}],"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":"Minimum Sum Assured is 1.25 times single premium for ages 13 to 49 and 1.1 times single premium for age 50 to 70. Maximum Sum Assured is 10 times single premium up to age 50, while for ages 50 to 70 the table states 1.1 times single premium.","display":"Minimum 1.25x or 1.1x single premium; maximum 10x single premium up to age 50 or 1.1x for 50 to 70","note":"From the sales brochure. The brochure table repeats age 50 in both the standalone row and the 50 to 70 row.","quote":"Sum Assured | Minimum Maximum Age Sum Assured Sum Assured Multiple 13 to 49 1.25 times single premium 10 times single premium 50 1.1 times single premium 10 times single premium 50 to 70 1.1 times single premium 1.1 times single premium","sources":[{"clause":null,"heading":"ICICI Life Signature Secure at a glance","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/21507#c-icici-life-signature-secure-at-a-glance"}],"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 and monies are not in the Discontinued Policy Fund, the claimant receives the highest of Sum Assured, Fund Value available on the date of intimation of death or Date of Maturity whichever is earlier, and Minimum Death Benefit. If monies are in the Discontinued Policy Fund, death benefit is the Discontinued Policy Fund Value.","display":"Highest of Sum Assured, Fund Value on death intimation or maturity date if earlier, and Minimum Death Benefit; DPF value if monies are in the Discontinued Policy Fund","note":"Minimum Death Benefit is defined in the wording as 105% of Total Premiums Paid.","quote":"In the event of death of the Life Assured during the Policy Term, provided the monies are not in the Discontinued Policy fund, the Company shall pay the Death Benefit to the Claimant. The Death Benefit payable shall be the highest of: a. Sum Assured, b. Fund Value as available on date of intimation of death or Date of Maturity, whichever is earlier and c. Minimum Death Benefit ii. On death of the Life Assured, before Date of Maturity, while monies are in the Discontinued Policy Fund, Death Benefit will be the Discontinued Policy Fund Value applicable to your Policy.","sources":[{"clause":"1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-1-i"}],"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 to the Date of Maturity, the maturity benefit is the higher of Fund Value as on the Date of Maturity and Guaranteed Maturity Benefit.","display":"Higher of Fund Value at maturity and Guaranteed Maturity Benefit","note":null,"quote":"On survival of the Life Assured till the Date of Maturity, the Maturity Benefit payable shall be the highest of: a. Fund Value as on the Date of Maturity, and b. Guaranteed Maturity Benefit","sources":[{"clause":"2(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-2-i"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Single pay; premium is payable only once in advance before the policy commences.","display":"Single pay","note":null,"quote":"Premium (inclusive of taxes) is payable only once in advance before the date of commencement of the policy.","sources":[{"clause":"3(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-3-i"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Minimum maturity age is 18 years. Maximum maturity age is 75 years for 1.1 or 1.25 times single premium and 55 years for 10 times single premium.","display":"Maximum 75 years, or 55 years for 10x sum assured multiple","note":"From the sales brochure.","quote":"Age at maturity | Minimum maturity age: 18 years Maximum maturity age: 75 years Sum Assured Multiple Years last birthday 1.1 or 1.25 times single premium 75 10 times single premium 55","sources":[{"clause":"1.1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/21507#c-1-1"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"conflicting","value":"In the latest wording, if suicide occurs within 12 months from commencement of risk while the policy is in force, the insurer refunds the higher of 80% of Total Premiums Paid and Policy Cancellation Value as on date of death; for a revived policy, the same rule applies within 12 months of revival.","display":"Within 12 months: higher of 80% of Total Premiums Paid or Policy Cancellation Value","note":"The earlier wording says: \"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, the policy will terminate and only the Fund Value, as available on the date of intimation of death or Date of Maturity whichever is earlier, will be payable to the Claimant.\"","quote":"If the Life Assured, whether sane or insane, commits suicide within 12\nmonths from the Date of commencement of risk of this Policy, We will refund higher of 80% of the Total Premiums Paid, if any till the date of death or Policy Cancellation Value as available on the date of death, provided the Policy is in force. In the case of a revived Policy, if the Life Assured, whether sane or insane, commits suicide within 12 months of the date of revival of the Policy, higher of 80% of the total premiums paid, if any till date of death or Policy Cancellation Value as available on date of death will be payable by Us.","sources":[{"clause":"11","heading":"Suicide: If the Life Assured, whether sane or insane, commits suicide within 12","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-11-2"},{"clause":null,"heading":"DEATH A. In case of death due to Unnatural causes such as","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22160#c-death-a-in-case-of-death-due-to-unnatural-causes"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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-applicable","value":null,"display":null,"note":"This is a single-pay policy; there are no future premiums to stop paying and premium discontinuance is stated as not applicable.","quote":null,"sources":[],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"not-applicable","value":null,"display":null,"note":"Policy revival is stated as not applicable because this is a single-pay policy.","quote":null,"sources":[],"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 provided under this policy.","display":"No policy loans","note":null,"quote":"We will not provide loans under this policy.","sources":[{"clause":null,"heading":"11. Loans","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-11-loans"}],"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 wording refers to rider cover, if any, but does not name any rider available with 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":"A life insurance policy cannot be called in question on any ground after 3 years from the later of issuance, commencement of risk, revival or rider date. Within 3 years it may be questioned for fraud or material misstatement, with written communication of grounds and materials.","display":"After 3 years no question on any ground; within 3 years for fraud or material misstatement with written grounds","note":null,"quote":"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. ... 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":null,"heading":"155255 (or) 1800 4254 732","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-155255-or-1800-4254-732"},{"clause":"1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-1-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":"The brochure says tax benefits may be available under prevailing Income Tax laws, taxes if any are charged extra by redemption of units, and tax laws can change.","display":"Tax benefits may be available as per prevailing Income Tax laws","note":"From the sales brochure.","quote":"Tax benefits may be available as per the prevailing Income Tax laws. Taxes, if any will be charged extra by redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time.","sources":[{"clause":null,"heading":"Terms and Conditions","page":14,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/21507#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":"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":"1","heading":"Freelook Period (30 days refund policy)","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-1-3"}],"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":"not-applicable","value":null,"display":null,"note":"This is a single-pay policy and the Grace Period clause states it is not applicable.","quote":null,"sources":[],"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 13 years. Maximum entry age is 70 years for 1.1 or 1.25 times single premium and 50 years for 10 times single premium.","display":"Minimum 13 years; maximum 70 years, or 50 years for 10x sum assured multiple","note":"From the sales brochure. For policies issued on minor life, the brochure says the date of commencement of policy and risk are the same.","quote":"Age at entry | Minimum entry age: 13 years Maximum entry age: Sum Assured Multiple Years last birthday 1.1 or 1.25 times single premium 70 10 times single premium 50","sources":[{"clause":null,"heading":"ICICI Life Signature Secure at a glance","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/21507#c-icici-life-signature-secure-at-a-glance"}],"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":["Single Pay"],"display":"Single Pay","note":"The policy is paid once, not yearly, half-yearly, quarterly or monthly. From the sales brochure.","quote":"Premium payment term (PPT) | Single Pay","sources":[{"clause":null,"heading":"ICICI Life Signature Secure at a glance","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/21507#c-icici-life-signature-secure-at-a-glance"}],"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":["Single Premium"],"display":"Single premium","note":null,"quote":"Single Premium means the single premium amount paid as lumpsum at the inception of the policy excluding taxes, rider premiums and underwriting extra premium on riders, if any","sources":[{"clause":"7","heading":"Death Benefit","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-7"}],"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 date of commencement of the policy, during which period the proceeds of this Policy cannot be paid by Us to You or to the Life insured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the policy.","sources":[{"clause":"7","heading":"Death Benefit","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-7"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Secure Income Fund: Potential Risk- Reward profile of the fund: Low"],"display":"Secure Income Fund: Low risk","note":null,"quote":"The Premium instalment, less charges, will be invested in Secure Income Fund (SFIN: ULIF 167 020626 SecureIncm 105) ... Potential Risk- Reward profile of the fund: Low ... The policy monies will be allowed to be invested only in the Secure Income Fund.","sources":[{"clause":"9","heading":"Fund details and name","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-9-2"},{"clause":"11","heading":"Net Asset Value (NAV)","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-11"},{"clause":"10","heading":"Portfolio Strategy","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-10-2"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Nil.","display":"Nil","note":null,"quote":"Nil","sources":[{"clause":"1","heading":"Premium Allocation Charge","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-1-4"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Nil.","display":"Nil","note":null,"quote":"Nil","sources":[{"clause":"2","heading":"Policy Administration Charge","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-2-3"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund Management Charge is 0.75% per annum for Secure Income Fund and Money Market Fund, and 0.50% per annum for the Discontinued Policy Fund, charged daily by adjustment to NAV.","display":"0.75% p.a. for Secure Income Fund and Money Market Fund; 0.50% p.a. for Discontinued Policy Fund","note":null,"quote":"Fund | Fund Management Charge per annum (% of Fund Value) ... Secure Income Fund | 0.75%\nWe will not provide loans under this policy.\nMoney Market Fund | 0.75%\n12. Change in Portfolio Strategy (CIPS)\nDiscontinued Policy Fund | 0.50% ... This will be charged daily by adjustment to the Net Asset Value (NAV).","sources":[{"clause":"4","heading":"Fund Management Charge (FMC)","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-4-3"},{"clause":null,"heading":"11. Loans","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-11-loans"},{"clause":null,"heading":"13. Surrender","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-13-surrender"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charge is levied every month by redemption of units, calculated on the Sum at Risk during the policy term, and depends on age and gender. No mortality charge is deducted while monies are in the Discontinuance Policy Fund.","display":"Monthly by redemption of units; depends on Sum at Risk, age and gender","note":null,"quote":"Mortality charge will be levied every month by redemption of units and shall be calculated based on the Sum at Risk during Policy Term as described below. ... No mortality charges will be deducted while the monies are in the Discontinuance Policy Fund. The Mortality Charges rates are given in Annexure I. Mortality charges per mille Sum at Risk depend on age and gender","sources":[{"clause":"7","heading":"Mortality Charges","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-7-3"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Switches and partial withdrawals are not allowed.","display":"Switches: not allowed; partial withdrawals: not allowed","note":null,"quote":"2 Switches\nNot allowed ... 5 Partial Withdrawals\nNot allowed","sources":[{"clause":"2","heading":"Switches","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-2-2"},{"clause":"5","heading":"Partial Withdrawals","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161#c-5-2"}],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Signature Secure_Valid from 10062026 to till date - 105L210V01","pages":8,"fetched_at":"2026-10-20 01:14:24+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Signature_Secure_105L210V01_10062026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22160"},{"kind":"wording","label":"ICICI Life Signature Secure_Valid from 08102026 to till date - 105L210V01","pages":7,"fetched_at":"2026-10-20 01:14:26+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Life_Signature_Secure_105L210V01_05102026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/22161"},{"kind":"brochure","label":"ICICI Life Signature Secure","pages":18,"fetched_at":"2026-10-20 00:47:21+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI-Pru-Signature-Secure-Brochure.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01/document/21507"}],"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 Signature Secure (UIN 105L210V01), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-signature-secure-105l210v01"}