{"uin":"105N009V25","name":"ICICI Life Group Immediate Annuity","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25","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 Immediate Annuity is a non-participating non-linked group savings annuity plan with single premium and single-life or joint-life annuity options. The policy offers annuity for life, monthly, quarterly, half-yearly or annual payouts, a 30-day free-look period and no loans.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:44:01.296122+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 plans are printed; annuity options are extracted separately.","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 annuity amount is guaranteed for life of the Member and is payable as per the frequency opted by the Member.","display":"Guaranteed for life of the Member","note":null,"quote":"The annuity amount chosen at policy inception is guaranteed for life of the Member and shall be payable as per the frequency opted by the Member.","sources":[{"clause":"1","heading":"Accident","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-1"}],"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 wording lists claim documents but does not print a claim intimation 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","Recent photograph of the claimant","Death Certificate issued by local government authority","Signed copy of photo identity proof of the claimant","Current Address proof of the claimant","Signed copy of PAN card / Form 60 of the claimant","Copy of cancelled cheque / bank statement / passbook","Claimant’s Statement","Original Policy Document","Photo ID and Address Proof of Claimant","Cancelled cheque/ Copy of passbook","Definition Fulfilment documents","Payout mandate","Cancelled Cheque for processing electronic payment"],"display":"Death claim, critical illness claim, permanent disability claim and survival benefit claim documents are listed","note":"Additional documents may be required depending on type and cause of death, critical illness or permanent disability claim.","quote":"1.Duly filled and signed Claimant Statement Form 2.Recent photograph of the claimant 3.Death Certificate issued by local government authority of the person insured in the policy (Life Assured) 4.Signed copy of photo identity proof of the claimant 5.Current Address proof of the claimant (Any one of the following: Aadhar Card, Valid Passport or Driver's License, Voters ID are considered as proofs) 6.Signed copy of PAN card / Form 60 of the claimant 7.Copy of cancelled cheque / bank statement / passbook of the bank account of the claimant where payment needs to be transferred. ... For processing a Critical illness claim under this Policy, We will require the following documents (as may be relevant): a) Claimant’s Statement b) Original Policy Document c) Photo ID and Address Proof of Claimant d) Cancelled cheque/ Copy of passbook e) Definition Fulfilment documents ... For processing a Permanent Disability due to Accident claim under this Policy, We will require the following documents (as may be relevant): a) Claimant’s Statement b) Original Policy Document c) Photo ID and Address Proof of Claimant d) Cancelled cheque/ Copy of passbook e) Definition Fulfilment documents ... For processing a survival benefit claim under this Policy, We will require the following documents: a) Payout mandate b) Cancelled Cheque for processing electronic payment","sources":[{"clause":"7","heading":"Claim payment For processing a death claim under this Policy, We","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-7-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The wording says benefits are paid after receipt of required additional information, documents or particulars, but does not promise a settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["None"],"display":"None","note":null,"quote":"None","sources":[{"clause":"4","heading":"Exclusions","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-4-2"}],"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":"For clarification or assistance, submit a query through the mobile app or website, contact the advisor, call customer service, or communicate at a branch or customer service desk. If there is no resolution or the resolution is unsatisfactory, submit the concern to the designated Grievance Redressal Officer, then escalate to the internal Grievance Redressal Committee.","display":"Customer service first, then GRO, then internal grievance redressal committee","note":null,"quote":"For any clarification or assistance, You may submit your query or request through ‘write to us’ section on our mobile app or website. You may contact Our advisor or call Our customer service representative ... 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) ... If You do not receive any resolution or if You are not satisfied with the resolution provided by the GRO, You may escalate the matter to Our internal grievance redressal committee","sources":[{"clause":"1","heading":"Customer service","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-1-5"},{"clause":"1(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-1-i"},{"clause":"1(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-1-ii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-applicable","value":null,"display":null,"note":"This is an immediate annuity product that pays annuity and option-based purchase-price benefits, not a sum assured 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":"quote-verified","value":"Death benefit depends on the annuity option. It ranges from annuity cessation with no further payment, to Purchase Price, 50%, 75% or Balance Purchase Price to the Claimant/Nominee/Legal heir, or joint-life annuity payable to the Secondary Annuitant, with purchase price return where chosen.","display":"Depends on annuity option: no further payment, Purchase Price/50%/75%/Balance Purchase Price, or joint-life annuity continuation","note":"Other printed options include guaranteed 5/10/15 years and Life Annuity with Return of Purchase Price on Critical illness (CI) or Permanent Disability due to accident (PD) or Death.","quote":"On death of Member, the annuity payment with respect to the Member shall cease and the Member Policy shall terminate and thereafter the Company shall not be liable for any payment whatsoever in respect of such deceased Member. ... On death of the Member, the Purchase Price shall be payable to the Claimant ... On death of the Member, 50% of the Purchase Price shall be payable to the Claimant. ... On death of the Member, 75% of the Purchase Price shall be payable to the Claimant. ... Balance Purchase Price will be equal to the Purchase Price less sum total of the annuities already paid till the death of the annuitant. ... On death of the Member after the payment of annuity has commenced, the annuity payable under the Policy shall become payable to the Secondary Annuitant for his/her lifetime. ... Upon death of the Secondary Annuitant subsequently, the Purchase Price shall be payable to the Nominee/ Legal heir.","sources":[{"clause":"3.1","heading":"Life Annuity","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-1"},{"clause":"3.2","heading":"Life Annuity with Return of Purchase Price","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-2"},{"clause":"3.3","heading":"Life Annuity with Return of 50% Purchase Price","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-3"},{"clause":"3.4","heading":"Life Annuity with Return of 75% Purchase Price","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-4"},{"clause":"3.5","heading":"Life Annuity with return of Balance Purchase Price","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-5"},{"clause":"3.8","heading":"Joint Life, Last Survivor without Return of Purchase Price","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-8"},{"clause":"3.9","heading":"Joint Life, Last Survivor with Return of Purchase Price","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-9"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"not-applicable","value":null,"display":null,"note":"This immediate annuity pays annuity for life and does not have a fixed maturity survival benefit.","quote":null,"sources":[],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"This is a Single Premium product.","display":"Single Premium","note":null,"quote":"This is a Single Premium product.","sources":[{"clause":"1","heading":"This","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-1-2"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"No fixed maturity age is stated; the annuity amount chosen at policy inception is guaranteed for life of the Member.","display":"Guaranteed for life of the Member","note":null,"quote":"The annuity amount chosen at policy inception is guaranteed for life of the Member and shall be payable as per the frequency opted by the Member.","sources":[{"clause":"1","heading":"Accident","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-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":"not-stated","value":null,"display":null,"note":"No specific suicide clause or 12-month suicide rule is printed.","quote":null,"sources":[],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"Surrender is allowed only for options with return of Purchase Price under specified critical illness or permanent relocation circumstances. Surrender Value = Surrender Value Factor X Purchase Price, and the Surrender Value Factor is 95%; NPS-purchased annuity policies cannot be surrendered except for the specified NPS/OPS/family pension/legal/PFRDA cases.","display":"Allowed only for return-of-purchase-price options in specified cases; surrender value factor 95%","note":"For NPS exceptions, the surrender value is transferred to the Trustee Bank/CRA account and not to the Member’s account.","quote":"Surrender of Member Policy by a Annuitant(s) shall be allowed only for options with return of Purchase Price under the circumstances mentioned below: ... Surrender Value = Surrender Value Factor X Purchase Price ... Surrender Value Factor is 95% ... Surrender of the Policy is not allowed if the Annuity Policy is purchased from National Pension System (NPS) proceeds, except if the Annuitant(s) has opted for Old Pension Scheme under Government Directive /Court Order or in the instance of subscriber’s family opting for Family Pension Scheme from the Government or due to any legal requirements or any specific cause as stipulated by the Pension Fund Regulatory and Development Authority.","sources":[{"clause":"2","heading":"Annuity Surrender","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-2-3"}],"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 premium annuity product, so there are no future premiums whose non-payment would create a paid-up value.","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":"This is a single premium annuity product, so there is no revival period after missing future premiums.","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 shall not be available under this Policy.","display":"Loans not available","note":null,"quote":"Loans shall not be available under this Policy.","sources":[{"clause":"3","heading":"Loan","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-11"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Riders may be offered as per permissible regulatory provisions set out by IRDAI."],"display":"Riders may be offered as per IRDAI provisions","note":"No named rider is specified in the wording.","quote":"Riders may be offered as per permissible regulatory provisions set out by IRDAI.","sources":[{"clause":"5","heading":"Rider","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-5-2"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No policy of life insurance can 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 for material misstatement/suppression, with written communication of grounds and materials; for non-fraud misstatement, premium collected till repudiation is paid within 90 days.","display":"Cannot be questioned after 3 years; fraud or material misstatement rules apply within 3 years","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. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years ... 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 case repudiation is on ground of misstatement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"Annexure III","heading":"Section 45 – Policy shall not be called in question on","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-annexure-iii"}],"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":"The wording mentions taxes, statutory levies and benefits being subject to tax laws, but does not state any tax benefit.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"No free-look cancellation if a claim has been made.","quote":"the Policy Document/Certificate of Insurance 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","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#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 premium product, so there are no renewal premium due dates requiring a grace period.","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":"not-stated","value":null,"display":null,"note":"The wording defines Age but does not state the youngest or oldest entry age.","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":["Single Premium product"],"display":"Single Premium product","note":"No yearly, half-yearly, quarterly or monthly premium payment modes are printed.","quote":"This is a Single Premium product.","sources":[{"clause":"1","heading":"This","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-1-2"}],"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":"This is a Single Premium product.","sources":[{"clause":"1","heading":"This","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-1-2"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"quote-verified","value":["Life Annuity","Life Annuity with Return of Purchase Price","Life Annuity with Return of 50% Purchase Price","Life Annuity with Return of 75% Purchase Price","Life Annuity with return of Balance Purchase Price","Life Annuity guaranteed for 5/10/15 years and payable for life thereafter","Life Annuity with annual increase of 5%","Joint Life, Last Survivor without Return of Purchase Price","Joint Life, Last Survivor with Return of Purchase Price","Joint Life, Last Survivor with Return of Purchase Price in parts","Life Annuity with Return of Purchase Price on Critical illness (CI) or Permanent Disability due to accident (PD) or Death"],"display":"Life annuity, return-of-purchase-price variants, guaranteed 5/10/15 years, 5% increasing annuity, joint-life last survivor variants, and CI/PD/death ROP option","note":null,"quote":"3.1 Life Annuity ... 3.2 Life Annuity with Return of Purchase Price ... 3.3 Life Annuity with Return of 50% Purchase Price ... 3.4 Life Annuity with Return of 75% Purchase Price ... 3.5 Life Annuity with return of Balance Purchase Price ... 3.6 Life Annuity guaranteed for 5/10/15 years and payable for life thereafter: ... 3.7 Life Annuity with annual increase of 5% ... 3.8 Joint Life, Last Survivor without Return of Purchase Price ... 3.9 Joint Life, Last Survivor with Return of Purchase Price ... 3.10 Joint Life, Last Survivor with Return of Purchase Price in parts ... 3.11 Life Annuity with Return of Purchase Price on Critical illness (CI) or Permanent Disability due to accident (PD) or Death","sources":[{"clause":"3.1","heading":"Life Annuity","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-1"},{"clause":"3.2","heading":"Life Annuity with Return of Purchase Price","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-2"},{"clause":"3.3","heading":"Life Annuity with Return of 50% Purchase Price","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-3"},{"clause":"3.4","heading":"Life Annuity with Return of 75% Purchase Price","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-4"},{"clause":"3.5","heading":"Life Annuity with return of Balance Purchase Price","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-5"},{"clause":"3.6","heading":"Life Annuity guaranteed for 5/10/15 years and payable for life","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-6"},{"clause":null,"heading":"3.11 Life Annuity with Return of Purchase Price on Critical illness","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-11-life-annuity-with-return-of-purchase-price"},{"clause":"3.7","heading":"Life Annuity with annual increase of 5%","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-7"},{"clause":"3.8","heading":"Joint Life, Last Survivor without Return of Purchase Price","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-8"},{"clause":"3.9","heading":"Joint Life, Last Survivor with Return of Purchase Price","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-9"},{"clause":"3.10","heading":"Joint Life, Last Survivor with Return of Purchase Price in parts","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-10"}],"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":"The wording defines Purchase Price but does not state a minimum purchase price or minimum annuity.","quote":null,"sources":[],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"not-applicable","value":null,"display":null,"note":"This is an immediate annuity product, not a deferred annuity plan.","quote":null,"sources":[],"law":[]},{"key":"annuity_frequency","label":"Payout frequency","section":"Cover","meaning":"Monthly, quarterly, half-yearly, yearly.","status":"quote-verified","value":["monthly","half-yearly","quarterly","annually"],"display":"Monthly, half-yearly, quarterly and annually","note":"The annuity option and frequency cannot be changed after the freelook period.","quote":"Annuity will be payable, in arrears, monthly, half-yearly, quarterly and annually as chosen by the Member at the time of purchasing the Member Policy.","sources":[{"clause":"3.10","heading":"Joint Life, Last Survivor with Return of Purchase Price in parts","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758#c-3-10"}],"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":"The wording says annuity rates depend on age, frequency and option, but gives no example annuity rate.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Immediate Annuity Group December 10 2025 to March 18 2026 105N009V23","pages":8,"fetched_at":"2026-10-20 00:59:51+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2025/ICICI_Pru_Immediate_Annuity_Group_December_10_2025_to_till_date_105N009V23.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21757"},{"kind":"wording","label":"ICICI Pru Immediate Annuity Group March 19 2026 to April 27 2026 105N009V24","pages":8,"fetched_at":"2026-10-20 00:59:55+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Immediate_Annuity_Group_March_19_2026_to_till_date_105N009V24.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25/document/21758"}],"versions":[{"uin":"105N009V23","version":null,"approved_on":null},{"uin":"105N009V24","version":null,"approved_on":null},{"uin":"105N009V25","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 Group Immediate Annuity (UIN 105N009V25), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-immediate-annuity-105n009v25"}