{"uin":"105N001V10","name":"ICICI Life Forever Life RP","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10","insurer":{"slug":"icici-life-insurance","name":"ICICI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-life-insurance"},"line":"life","category":"pension-annuity","category_name":"Pension and annuity","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ICICI Pru ForeverLife (RP) is a pension-annuity product where policy proceeds at vesting can be partly taken in lumpsum and the balance used to purchase annuity, or fully used to purchase annuity. The wording states grace periods of 30 days for non-monthly premium modes and 15 days for monthly mode, surrender value after at least three consecutive years' premiums, and refund of premiums after expenses for suicide within one year.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:41:23.606515+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are printed; the document lists annuity options and supplementary benefits, not plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The deferment period runs until the vesting date. The vesting date may be postponed up to the policy anniversary on which the Life Assured is 70 years in age nearer birthday, and annuity options then provide annuity for life or for a selected certain period and thereafter for life.","display":"Until vesting date; vesting may be postponed up to age 70; annuity thereafter for life or certain period and life","note":null,"quote":"The Life Assured has the option to change the vesting date for commencement of annuity payments. This option can be exercised only once and must be exercised atleast six months before the original vesting date. The vesting date can be postponed to upto the policy anniversary on which the Life Assured is 70 years in age nearer birthday. ... The Life Assured shall receive an annuity for life. ... The Life Assured would receive an annuity for a certain period as selected by him (5, 10 or 15 years) and for life thereafter, if he survives the selected period.","sources":[{"clause":"1.2","heading":"Benefits payable on death of the Life Assured during the deferment","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-1-2"},{"clause":"1.2(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-1-2-ii"},{"clause":"1.2(v)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-1-2-v"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For the Critical Illness Benefit, written notice must be given within 60 days of diagnosis. For the Disability Benefit, written notice must be served within 120 days of the Disability Date.","display":"Critical Illness Benefit: within 60 days of diagnosis; Disability Benefit: within 120 days of Disability Date","note":"These deadlines are for supplementary benefits if opted; no base death claim intimation deadline is printed.","quote":"Written Notice of any claim for the benefit must be given to the Company within 60 days of such diagnosis. ... Written notice of any claim for the benefit shall be served on the Company within 120 days of the Disability Date","sources":[{"clause":null,"heading":"C) Critical Illness Benefit: -","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-c-critical-illness-benefit-2"},{"clause":"3(e)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-3-e"}],"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":["the original of this Policy document","other documents establishing the right of the claimant or claimants to receive payment","Claimant's statement","Death certificate issued by the local and medical authority in case of death claim","Medical evidence in case of health and disability rider claims","Any other documents or information as may be required by the Company for processing of the claim depending on the cause of the claim"],"display":"Original policy document, proof of claimant's right, claimant's statement, death certificate, medical evidence for health/disability rider claims, and any other required documents","note":null,"quote":"Before payment of any claim under the Policy, the Company shall require the delivery of the original of this Policy document and other documents establishing the right of the claimant or claimants to receive payment.\n1. Claimant's statement\n2. Death certificate issued by the local and medical authority in case of death claim\n3. Medical evidence in case of health and disability rider claims.\n4. Any other documents or information as may be required by the Company for processing of the claim depending on the cause of the claim.","sources":[{"clause":"9","heading":"Payment of Claim","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["suicide, within one year from the date of issue of this Policy","If the premiums are not paid on the due dates or even during the grace period, the Policy lapses and no benefits shall be payable","Where the annuity ceases on the death of the annuitant, no part of the said annuity shall be payable"],"display":"Suicide within one year; lapse for non-payment beyond grace period; no annuity for the period after death where annuity ceases on death","note":"Supplementary rider exclusions are not listed here because the riders apply only if opted.","quote":"If the Life assured whether sane or insane commits suicide, within one year from the date of issue of this Policy, the Policy shall be void and the premiums paid hereunder will be refunded after deducting the expenses incurred by the Company for the issue of the policy. ... If the premiums are not paid on the due dates or even during the grace period, the Policy lapses and no benefits shall be payable thereunder except to the extent indicated in Condition (3) below. ... Where the annuity ceases on the death of the annuitant, no part of the said annuity shall be payable or paid for such time as may elapse between the date of payment immediately preceding the death of the annuitant, and the date of his death.","sources":[{"clause":"5","heading":"Suicide","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-5"},{"clause":"2(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-2-ii"},{"clause":"1.11","heading":"Where the annuity ceases on the death of the annuitant, no part of","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-1-11"}],"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":"A grievance or complaint may be addressed to the Grievance Redressal Committee of ICICI Prudential Life Insurance Company Limited at Stream House, Kamla Mills Compound Building ‘A’, Senapati Bapat Marg, Lower Parel, Mumbai-400 013, before Ombudsman escalation.","display":"Grievance Redressal Committee, ICICI Prudential Life Insurance Company Limited, Stream House, Kamla Mills Compound Building ‘A’, Senapati Bapat Marg, Lower Parel, Mumbai-400 013","note":null,"quote":"The Company has a grievance redressal mechanism for resolution of any dispute and any grievance or complaint in respect of this policy may be addressed to : -\nGrievance Redressal Committee (Chaired by external member) ICICI Prudential Life Insurance Company Limited Stream House ,Kamla Mills Compound Building ‘A’,Senapati Bapat Marg Lower Parel,Mumbai-400 013 ... The Central Government has established an office of the Insurance Ombudsman for redressal of grievances with respect to life insurance policies.","sources":[{"clause":"12(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-12-a"},{"clause":"12(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-12-b"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":"The wording refers to Sum Assured, Paid-up Sum and Policy Certificate but does not state minimum, maximum or a rule setting the life cover.","quote":null,"sources":[],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On vesting, the Life Assured may receive up to one third of the Policy proceeds in lumpsum and use the balance to purchase annuity, or use the entire Policy proceeds to purchase annuity.","display":"At vesting: up to one third in lumpsum and balance to buy annuity, or entire proceeds to buy annuity","note":null,"quote":"The Life Assured can, atleast six months before the vesting date as chosen, exercise one of the following options to apply the aggregate of Sum Assured / Paid-up Sum, Guaranteed Additions and vested bonuses, if any, and if the vesting date is postponed then together with interest thereon from the original vesting date to the postponed vesting date at such rate of interest as may be decided by the company from time to time (hereinafter referred to as “Policy proceeds”); ... To receive upto one third of the Policy proceeds in lumpsum and to utilise balance amount to purchase annuity as chosen by the Life Assured or ... To utilise the entire Policy proceeds to purchase annuity of the type as chosen by the Life Adssured.","sources":[{"clause":"1.2","heading":"Benefits payable on death of the Life Assured during the deferment","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-1-2"},{"clause":"1.2(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-1-2-i"},{"clause":"1.2(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-1-2-ii"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premiums are payable on the due dates mentioned in the Policy Certificate and are not payable after the original vesting date.","display":"Pay premiums until the original vesting date","note":null,"quote":"Premiums are payable on the due dates mentioned in the Policy Certificate or within the grace period allowed without any obligation on the company to notify the Annuitant of the due dates. ... Premiums are not payable after the original vesting date.","sources":[{"clause":"2(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-2-ii"},{"clause":"2(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-2-iii"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The vesting date can be postponed up to the policy anniversary on which the Life Assured is 70 years in age nearer birthday.","display":"Vesting can be postponed up to age 70 nearer birthday","note":null,"quote":"The vesting date can be postponed to upto the policy anniversary on which the Life Assured is 70 years in age nearer birthday.","sources":[{"clause":"1.2","heading":"Benefits payable on death of the Life Assured during the deferment","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-1-2"}],"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, sane or insane, commits suicide within one year from the date of issue, the policy is void and premiums paid are refunded after deducting issue expenses.","display":"Suicide within one year: policy void; premiums refunded after deducting issue expenses","note":null,"quote":"If the Life assured whether sane or insane commits suicide, within one year from the date of issue of this Policy, the Policy shall be void and the premiums paid hereunder will be refunded after deducting the expenses incurred by the Company for the issue of the policy.","sources":[{"clause":"5","heading":"Suicide","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-5"}],"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":"If premiums are paid for at least three consecutive years, the policy acquires a surrender value equal to thirty-five percent of premiums paid, excluding first-year premiums, extra premiums and rider premiums; cash value of Guaranteed Additions and vested bonuses is also allowed. Surrender extinguishes all policy rights, benefits and interests.","display":"After at least three consecutive years' premiums: 35% of premiums paid excluding first-year, extra and rider premiums, plus cash value of Guaranteed Additions and vested bonuses","note":null,"quote":"If premiums are paid for at least three consecutive years, the Policy acquires a Surrender Value which is equal to thirty-five percent of the premiums paid, excluding the premiums paid during the first year of the Policy, the extra premiums and the rider premiums. The cash value of the Guaranteed Additions and vested bonuses will also be allowed. The Policy which has acquired a Surrender Value can be surrendered. The surrender shall extinguish all the rights, benefits and interests under the Policy.","sources":[{"clause":"4","heading":"Guaranteed Surrender Value","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-4"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If at least three consecutive years' premiums have been paid and a later premium is unpaid within the grace period, the Sum Assured reduces in proportion to premiums paid versus total premiums payable, with Guaranteed Additions and vested bonuses added, subject to a minimum of five hundred rupees for the paid-up sum plus those additions and bonuses.","display":"After at least three consecutive years' premiums, reduced paid-up sum proportionate to premiums paid, plus Guaranteed Additions and vested bonuses, minimum five hundred rupees","note":"A reduced paid-up policy is not entitled to supplementary benefits.","quote":"If the premiums have been paid for at least three consecutive years and any subsequent premium has not been paid within the grace period, the Sum Assured under this Policy shall stand reduced to a paid-up sum which shall be an amount bearing to the Sum Assured the same proportion as the number of premiums which have been paid bears to the total number of premiums payable under the Policy, to which will be added the Guaranteed Additions and the vested bonuses, if any, provided that such paid-up sum together with the Guaranteed Additions and the vested bonuses is not less than five hundred rupees. The paid up Policy shall not be allocated any further Guaranteed Additions nor will it participate in any further future allocation of profits by way of bonuses.","sources":[{"clause":"3","heading":"Paid-up Policy","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-3"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed policy may be revived if the application is made within 5 years from the date of the first unpaid premium and before the vesting date, subject to health evidence, payment of arrears with interest, possible different terms, and specific communication by the Company.","display":"Within 5 years from the first unpaid premium and before the Vesting Date","note":null,"quote":"A policy, which has lapsed for non-payment of premium within the days of grace may be revived subject to the following conditions: - ... the application for revival is made within 5 years from the date of the first unpaid premium and before the Vesting Date of policy; ... the applicant being the Proposer/Life Assured furnishes, at his own expense, satisfactory evidence of health of the Life Assured; ... the arrears of premiums together with interest at such rate as the company may charge for late payment of premia are paid; ... the revival of the policy may be on terms different from those applicable to the policy before it lapsed; and ... the revival will take effect only on it being specifically communicated by the Company to the Life Assured or the applicant.","sources":[{"clause":"4(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-4-c"},{"clause":"4(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-4-a-2"},{"clause":"4(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-4-b-2"},{"clause":"4(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-4-c-2"},{"clause":"4(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-4-d"},{"clause":"4(e)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-4-e"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"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":"The document states the older Section 45 wording: after the expiry of two years from the date the policy was effected, the policy cannot be called in question for an inaccurate or false statement unless the insurer shows materiality, fraudulent making, and the policyholder's knowledge. Proof of age may still be called for at any time if entitled.","display":"After expiry of two years, policy cannot be called in question except for material fraudulent false statement; proof of age can still be called","note":"The wording prints two years, not the current three-year formulation in the field label.","quote":"In accordance to the Section 45 of the Insurance Act,1938, no Policy of life insurance shall after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal of insurance or any report of a medical officer, or a referee , or friend of the insured , or in any other document leading to the issue of the Policy , was inaccurate or false , unless the insurer shows that such statements was on material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the Policyholder and that the Policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose.\nProvided that nothing in the section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so and no policy shall be deemed to be called in question merely because the terms of the Policy are adjusted on subsequent proof that the age of the Life Insured was incorrectly stated in the proposal.","sources":[{"clause":"7","heading":"Incontestability","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-7"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for non-monthly modes; 15 days for monthly mode","note":"Monthly mode has a 15-day grace period.","quote":"However, a grace period of not more than 30 days, where the mode of payment of premium is other than monthly and not more that 15 days in the case of monthly mode is allowed.","sources":[{"clause":"2(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-2-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["monthly mode","mode of payment of premium is other than monthly"],"display":"Monthly; other than monthly","note":"The wording distinguishes monthly and non-monthly premium modes but does not list yearly, half-yearly or quarterly modes.","quote":"However, a grace period of not more than 30 days, where the mode of payment of premium is other than monthly and not more that 15 days in the case of monthly mode is allowed.","sources":[{"clause":"2(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-2-i"}],"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":["Premiums are payable on the due dates","Premiums are not payable after the original vesting date"],"display":"Premiums payable on due dates until the original vesting date","note":"The document does not use the labels single premium, regular premium or limited premium.","quote":"Premiums are payable on the due dates and at the rate mentioned in the Policy Certificate or at such altered rate as is payable in terms of Conditions 1(ii) of the General conditions of this policy. ... Premiums are not payable after the original vesting date.","sources":[{"clause":"2(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-2-i"},{"clause":"2(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882#c-2-iii"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"purchase_price_min","label":"Minimum purchase price","section":"Eligibility","meaning":"Smallest lump sum or annuity accepted.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"annuity_frequency","label":"Payout frequency","section":"Cover","meaning":"Monthly, quarterly, half-yearly, yearly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"annuity_rate_example","label":"Example annuity rate","section":"Cover","meaning":"An example from the document; rates change with age and over time.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Forever Life RP D04 Version 3 Valid from 01092002 to 01122002 - 105N001V03","pages":18,"fetched_at":"2026-10-20 01:04:50+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Forever_Life_RP_D04_Ver_3_01Sept2002_to_01Dec2002.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21874"},{"kind":"wording","label":"ICICI Pru Forever Life RP D04 Version 4 Valid from 02122002 to 05122003 - 105N001V04","pages":12,"fetched_at":"2026-10-20 01:04:52+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Forever_Life_RP_D04_Ver_4_02Dec2002_to_05Dec2003.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21876"},{"kind":"wording","label":"ICICI Pru Forever Life RP D04 Version 5 Valid from 06122003 to 21122003 - 105N001V05","pages":24,"fetched_at":"2026-10-20 01:04:54+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Forever_Life_RP_D04_Ver_5_06Dec2003_to_21Dec2003.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21877"},{"kind":"wording","label":"ICICI Pru Forever Life RP D04 Version 7 Valid from 09022005 to 30042005 - 105N001V07","pages":10,"fetched_at":"2026-10-20 01:04:56+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Forever_Life_RP_D04_Ver_7_09Feb2005_to_30Apr2005.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21878"},{"kind":"wording","label":"ICICI Pru Forever Life RP D04 Version 8 Valid from 01052005 to 06062006 - 105N001V08","pages":12,"fetched_at":"2026-10-20 01:04:58+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Forever_Life_RP_D04_Ver_8_01May2005_to_06Jun2006.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21879"},{"kind":"wording","label":"ICICI Pru Forever Life RP D04 Version 9 Valid from 07062006 to 19012007 - 105N001V09","pages":12,"fetched_at":"2026-10-20 01:05:00+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Forever_Life_RP_D04_Ver_9_07Jun2006_to_19Jan2007.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21881"},{"kind":"wording","label":"ICICI Pru Forever Life RP D04 Version 10 Valid from 20012007 to Till Date - 105N001V10","pages":7,"fetched_at":"2026-10-20 01:05:02+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Forever_Life_RP_D04_Ver_10_20Jan2007_to_Till_Date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10/document/21882"}],"versions":[{"uin":"105N001V03","version":null,"approved_on":null},{"uin":"105N001V04","version":null,"approved_on":null},{"uin":"105N001V05","version":null,"approved_on":null},{"uin":"105N001V07","version":null,"approved_on":null},{"uin":"105N001V08","version":null,"approved_on":null},{"uin":"105N001V09","version":null,"approved_on":null},{"uin":"105N001V10","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI Life Insurance official website","url":"https://www.icicilife.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ICICI Life Forever Life RP (UIN 105N001V10), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-forever-life-rp-105n001v10"}