{"uin":"105N182V13","name":"ICICI Life Guaranteed Income For Tomorrow","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13","insurer":{"slug":"icici-life-insurance","name":"ICICI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ICICI Life Guaranteed Income For Tomorrow is a non-participating non-linked life individual savings product with Lump sum, Income, Early Income and Single Pay Income plan options. It has a 30-day free-look period, grace periods of 15 days for monthly premiums and 30 days for other instalment frequencies, and policy loans up to 80% of surrender value.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:38:25.38091+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Lump sum plan option","Income plan option","Early Income plan option","Single Pay Income plan option"],"display":"Lump sum plan option; Income plan option; Early Income plan option; Single Pay Income plan option","note":null,"quote":"i. For Lump sum plan option ... ii. For Income plan option ... iii. For Early Income plan option ... iv. For Single Pay Income plan option","sources":[{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1-a"}],"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":"Policy terms vary by plan option. Lump sum offers 5, 10, 12, 15, 16 or 20 years depending on premium payment term; Income offers 8, 9, 11 or 13 years; Early Income offers 7, 8, 9, 11 or 13 years; Single Pay Income is 10 years.","display":"Lump sum: 5, 10, 12, 15, 16 or 20 years; Income: 8, 9, 11 or 13 years; Early Income: 7, 8, 9, 11 or 13 years; Single Pay Income: 10 years","note":"From the sales brochure.","quote":"Plan Option | Premium Payment Term | Policy Term (in years) | Minimum Age at Entry (in years) | Maximum Age at Entry (in years) | Min/Max Age at Maturity (in years)\nLump sum | 5 years | 10, 12, 15, 20 | 18 minus Policy Term | 50 | 18/70\n6 years | 12\n7 years | 12, 15\n8 years | 15, 16\n10 years | 15, 20\n12 years | 15, 20\nOne Time (Single Pay) | 5, 10 or 15 ... Income | 7 years | 8 | 60 | 18/73\n8 years | 9\n10 years | 11\n12 years | 13\nEarly Income | 6 years | 7 | 60 | 18/73\n7 years | 8\n8 years | 9\n10 years | 11\n12 years | 13\nSingle Pay Income | One time | 10","sources":[{"clause":null,"heading":"Plan at a glance","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/21456#c-plan-at-a-glance"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The documents give claim assistance contacts and forms but do not print a deadline for intimating a claim.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"conflicting","value":["Duly filled and signed Claimant Statement Form","Copy of Death Certificate of the Life Assured, issued by government authority","Claimant address proof","Claimant photo identity proof","Recent photograph of the claimant","Pan card / Form 60 of the claimant","Duly filled and signed Payout mandate form with bank account details of the claimant","Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant","Medico-legal cause of death certificate","First Information Report (FIR) from the police authority","Inquest/ Panchnama Report","Final police investigation report","Post Mortem Report (PMR) issued by the hospital","Viscera / Chemical examination report","Newspaper Cutting, if any","Driving License (of the Life Assured driving the vehicle in case of death due to a road accident)","Hospitalization / treatment records if any","Duly filled in Medical/ Hospital Attendant Certificate","Duly filled in Employer Certificate (only if Life Assured was a salaried individual)","Medico-legal / Medical cause of death certificate","Past medical records and treatment papers","All hospitalization records of the Life Assured such as: Admission form, Indoor Case Papers (ICPs), Discharge summary, Diagnostic test reports such as USG, Pathology / Lab reports etc.","Duly filled in Treating Doctor Certificate","Cancelled Cheque of the Claimant for processing electronic payment","KYC of Proposer of the Policy","Settlement option form, if opted"],"display":"Death claim: claimant statement, death certificate, claimant KYC, photo, PAN/Form 60, payout mandate and bank proof; extra documents by cause of death. Settlement/maturity claim: cancelled cheque, KYC of proposer and settlement option form if opted.","note":"The later wording prints the same document list except it says: 'Pan card / Form 97 of the claimant'.","quote":"For processing a death claim under this Policy, We will require the following documents (as may be relevant): Duly filled and signed Claimant Statement Form · Copy of Death Certificate of the Life Assured, issued by government authority · Claimant address proof* · Claimant photo identity proof* · Recent photograph of the claimant · Pan card / Form 60 of the claimant · Duly filled and signed Payout mandate form with bank account details of the claimant · Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant DOCUMENTS REQUIRED BASED ON CAUSE OF DEATH A. In case of death due to Unnatural causes such as Accidents (Road / Rail / Air etc), Murder, Suicide, etc. · Medico-legal cause of death certificate · First Information Report (FIR) from the police authority · Inquest/ Panchnama Report · Final police investigation report · Post Mortem Report (PMR) issued by the hospital · Viscera / Chemical examination report · Newspaper Cutting, if any · Driving License (of the Life Assured driving the vehicle in case of death due to a road accident) · Hospitalization / treatment records if any · Duly filled in Medical/ Hospital Attendant Certificate · Duly filled in Employer Certificate (only if Life Assured was a salaried individual) B. In Case of death due to Natural or medical causes (death at home, hospital) · Medico-legal / Medical cause of death certificate · Past medical records and treatment papers · All hospitalization records of the Life Assured such as: i. Admission form ii. Indoor Case Papers (ICPs) iii. Discharge summary iv. Diagnostic test reports such as USG, Pathology / Lab reports etc., · Duly filled in Treating Doctor Certificate . Duly filled in Medical/ Hospital Attendant Certificate For processing a Settlement/maturity claim under this Policy, We will require the following documents from the Claimant: a) Cancelled Cheque of the Claimant for processing electronic payment b) KYC of Proposer of the Policy c) Settlement option form, if opted","sources":[{"clause":"10","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-10"},{"clause":"10","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22270#c-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The CIS points to a website for death-claim TAT, but the documents do not print a claim decision or payment time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide within 12 months from the date of commencement of risk or from the date of revival"],"display":"Suicide within 12 months is limited to 80% of total premiums paid or surrender value, whichever is higher, if the policy is in force.","note":null,"quote":"In case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the Claimant shall be entitled to 80% of the total premiums paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force.","sources":[{"clause":"11","heading":"Suicide In case of death due to suicide within 12 months from the","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-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":"For service issues, contact customer service first. If there is no resolution or you are not satisfied, submit the concern to the designated Grievance Redressal Officer, and then to the internal grievance redressal committee before approaching IRDAI or the Ombudsman.","display":"Customer service first; then GRO at gro@iciciprulife.com; then internal grievance redressal committee.","note":null,"quote":"For any clarification or assistance, You may submit your query or request through ‘write to us’ section on our mobile app or website. 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) at the ‘grievance redressal’ section on our website, or write to us at at gro@iciciprulife.com . ... If You do not receive any resolution or if You are not satisfied with the resolution provided by the GRO, You may escalate the matter to Our internal grievance redressal committee","sources":[{"clause":null,"heading":"Policy Servicing and Grievance Handling Mechanism 1.Customer service","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-policy-servicing-and-grievance-handling-mechanis"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"For limited-pay policies, Sum Assured on Death is 10 times Annualised Premium. For single-pay policies, Sum Assured on Death is 1.25 times Single Premium or 10 times Single Premium.","display":"Limited Pay: 10 X Annualised Premium; Single Pay: 1.25 X Single Premium or 10 X Single Premium","note":null,"quote":"b)For Limited Pay policies: Sum Assured on Death is 10 X Annualised Premium For Single Pay policies: Sum Assured on Death is 1.25 X Single Premium or 10 X Single Premium","sources":[{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1-a"}],"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":"On death during the policy term for a premium-paying or fully paid policy, death benefit is paid as a lump sum according to the chosen plan option and the policy terminates. The calculation is the highest of the plan-specific death benefit components, including Sum Assured on Death, 105% of total premiums paid where applicable, a plan-specific maturity/GI factor where applicable, and surrender value as on date of death.","display":"Lump sum death benefit, calculated by plan option; policy terminates after payment.","note":"For Income and Early Income plan options, if death occurs during the Income Period, the claimant continues to receive income till the end of the Income Period with an option to commute future GI to a lump sum.","quote":"On death of the Life Assured during the policy term, for a premium paying or fully paid policy, Death Benefit shall be payable to the Claimant. Death Benefit to the Claimant shall be in accordance to the plan chosen by You at inception. Death Benefit payable under each plan option is as mentioned below: i. For Lump sum plan option For Limited Pay: Death Benefit is highest of: a. Sum Assured on Death b. 105% of Total Premiums Paid up to the date of death c. Sum Assured on Maturity X Death Benefit factor for Lump sum plan option d. Surrender Value payable as on the date of death ... c)Death Benefit will be paid out to the Claimant as a lump sum. d)On payment of Death Benefit the policy will terminate and all rights, benefits and interests under the policy will stand extinguished.","sources":[{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1-a"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival to maturity with all due premiums paid, the maturity benefit depends on the plan option. Lump sum pays Sum Assured on Maturity; Income and Early Income pay Guaranteed Income after the policy term as described in the policy; Single Pay Income has no maturity benefit.","display":"Lump sum: Sum Assured on Maturity; Income/Early Income: GI after the policy term; Single Pay Income: no maturity benefit.","note":null,"quote":"2B. Maturity Benefit On survival of the life assured till the date of maturity provided all due premiums have been paid, we will pay the following in accordance to the plan option chosen by You at inception: i. For Lump sum plan option Maturity Benefit = Sum ... Assured on Maturity Your Sum Assured on Maturity will be a fixed\nMonthly | 103%\npercentage of Annualized Premium/Single Premium and will be set at\nAnnual | 100%\npolicy inception. Your Sum Assured on Maturity is as mentioned in the Policy Schedule. ii. For Income plan option a.On survival of the Life Assured till the Date of Maturity , for a fully paid policy, GI will be payable ... iii. For Early Income plan option a. On survival of the Life Assured till the Date of Maturity, for a fully paid policy, GI will be payable at the end of every year/month, starting from the end of the policy term, for an Income Period equal to the Premium Payment Term. ... iv. For Single Pay Income plan option: There is no maturity benefit under this option.","sources":[{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1-a"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium payment term depends on the plan option: Lump sum allows 5, 6, 7, 8, 10, 12 years or one-time single pay; Income allows 7, 8, 10 or 12 years; Early Income allows 6, 7, 8, 10 or 12 years; Single Pay Income is one-time.","display":"Lump sum: 5, 6, 7, 8, 10, 12 years or one-time; Income: 7, 8, 10, 12 years; Early Income: 6, 7, 8, 10, 12 years; Single Pay Income: one-time","note":"From the sales brochure.","quote":"Lump sum | 5 years | 10, 12, 15, 20 | 18 minus Policy Term | 50 | 18/70\n6 years | 12\n7 years | 12, 15\n8 years | 15, 16\n10 years | 15, 20\n12 years | 15, 20\nOne Time (Single Pay) | 5, 10 or 15 ... Income | 7 years | 8 | 60 | 18/73\n8 years | 9\n10 years | 11\n12 years | 13\nEarly Income | 6 years | 7 | 60 | 18/73\n7 years | 8\n8 years | 9\n10 years | 11\n12 years | 13\nSingle Pay Income | One time | 10","sources":[{"clause":null,"heading":"Plan at a glance","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/21456#c-plan-at-a-glance"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 death is due to suicide within 12 months from commencement of risk or revival, the claimant gets 80% of total premiums paid till death or surrender value as on death, whichever is higher, if the policy is in force. The policy terminates after this payment.","display":"Within 12 months: higher of 80% of total premiums paid till death or surrender value, if in force.","note":null,"quote":"In case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the Claimant shall be entitled to 80% of the total premiums paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force. The Policy will terminate on making such a payment and all rights, benefits and interests under the Policy will stand extinguished.","sources":[{"clause":"11","heading":"Suicide In case of death due to suicide within 12 months from the","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-11"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be surrendered any time after payment of at least one full year's premiums. Before one full year's premium is received, no surrender value is payable; on surrender, the insurer pays the higher of Guaranteed Surrender Value and Special Surrender Value and the policy terminates.","display":"After at least one full year's premiums; higher of GSV and SSV.","note":null,"quote":"You can Surrender the policy any time after payment of at least one full year’s Premiums. Prior to receipt of one full year’s premium, no surrender value is payable. i. On policy surrender, we will pay the Surrender Value equal to the higher of the following: a. Guaranteed Surrender Value (GSV) b. Special Surrender Value (SSV) ii. The policy will terminate on payment of the surrender value.","sources":[{"clause":"2","heading":"Surrender","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-2"}],"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":"For non-single-pay policies, if premium payment is discontinued before the end of the premium payment term but after at least one full year's premium has been paid, the policy can continue as a paid-up policy with reduced benefits. Paid-up death, maturity and GI benefits are calculated using the proportion of months for which premiums are paid to total premium payment term months.","display":"After at least one full year's premium, non-single-pay policies continue as paid-up with reduced benefits.","note":"Not applicable for Single Pay policies.","quote":"This section is not applicable for Single Pay policies. If premium payment is discontinued, before the end of the Premium Payment Term but after atleast one full years’ premium has been paid then the policy can continue as a paid-up policy with reduced benefits. ... Paid-up Sum Assured on Death = Sum Assured on Death X {number of months for which premiums are paid / (12 X Premium Payment Term)} Paid-up Sum Assured on Maturity = Sum Assured on Maturity X {number of months for which premiums are paid / (12 X Premium Payment Term)} Paid-up GI = Annual GI X {number of months for which premiums are paid / (12 X Premium Payment Term)}","sources":[{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1-a"}],"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 discontinued policy may be revived within 5 years from the due date of the first unpaid premium and before the termination date, subject to underwriting, evidence of health, payment of arrears with interest, and company terms.","display":"Within 5 years from the due date of the first unpaid premium.","note":null,"quote":"A Policy which has discontinued payment of Premium may be revived subject to underwriting and the following conditions: a) The application for revival is made within 5 years from the due date of the first unpaid premium and before the termination date of the Policy. Revival will be based on the prevailing Company policy. b) You furnish, at your own expense, satisfactory evidence of health as required by Us. c) The arrears of Premiums together with interest at such rate as We may charge for late payment of premiums are paid","sources":[{"clause":"4","heading":"Revival","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Policy loans are available after at least one full year's premium has been paid, provided a positive surrender value is payable at disbursement. Loan amount of up to 80% of surrender value can be availed, with interest linked to 10-year Government Securities yield plus 150 basis points.","display":"Yes, up to 80% of surrender value after at least one full year's premium.","note":null,"quote":"Loans would be available under this policy after atleast one full years’ premium has been paid Loans are available provided a positive surrender value is payable under the policy at the time of disbursement of the same. • Loan amount of up to 80% of Surrender Value can be availed. ... Applicable interest rate will be equal to 150 basis points in addition to the prevailing yield on 10- year Government Securities.","sources":[{"clause":"3","heading":"Loans","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The documents only have a placeholder for riders opted, if any, and do not list riders available for purchase.","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 policy cannot be called into question on any ground after expiry of 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 repudiation, premiums collected till repudiation are paid within 90 days.","display":"Cannot be questioned after 3 yrs; within 3 years for fraud or material misstatement with stated process.","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":"Appendix IV","heading":"Section 45 – Policy shall not be called in question on","page":11,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-appendix-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The brochure says tax benefits may be available as per prevailing tax laws and are subject to conditions under the Income Tax Act, 2025; tax laws may change.","display":"Tax benefits may be available as per prevailing tax laws.","note":"From the sales brochure.","quote":"Tax Benefits: Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to conditions under provisions of the Income Tax Act, 2025 Taxes, if any will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time","sources":[{"clause":"3","heading":"Tax Benefits","page":18,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/21456#c-3"}],"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":"Refund is after deduction of stamp duty, proportionate risk premium for the period of cover and medical test expenses, if any.","quote":"the Policy Document needs to be returned to the Company with reasons for cancellation within 30 days from the date of receipt of the Policy Document.","sources":[{"clause":"1","heading":"Free look Period ( 30 days refund policy)","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#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-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry age varies by plan option. The standard brochure shows minimum entry as 18 minus Policy Term for Lump sum, and maximum entry up to 60 years for Income, Early Income and some single-pay options; POS-channel tables show minimum entry ages as low as 0 years for some Lump-sum options.","display":"Minimum: 18 minus Policy Term, with POS-channel minimum as low as 0 years; maximum: up to 60 years depending on option","note":"From the sales brochure. Entry ages vary by plan option, premium payment term, policy term, sales channel and death-cover multiple.","quote":"Plan Option | Premium Payment Term | Policy Term (in years) | Minimum Age at Entry (in years) | Maximum Age at Entry (in years) | Min/Max Age at Maturity (in years)\nLump sum | 5 years | 10, 12, 15, 20 | 18 minus Policy Term | 50 | 18/70 ... Income | 7 years | 8 | 60 | 18/73 ... Early Income | 6 years | 7 | 60 | 18/73 ... Single Pay Income | One time | 10 | For Sum Assured on Death: 10X: 45 1.25X: 60 | 18/ For Sum Assured on Death: 10X: 55 1.25X: 70 ... Boundary Conditions for policies sourced through POS channel: ... 20 | 0 | 45","sources":[{"clause":null,"heading":"Plan at a glance","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/21456#c-plan-at-a-glance"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["yearly","half-yearly","monthly","Single Pay"],"display":"Yearly, half-yearly, monthly; Single Pay for one-time premium options.","note":null,"quote":"Premiums under the policy can be paid in yearly, half-yearly or monthly mode. ... Single Pay means premium needs to be paid once at the start of the Policy.","sources":[{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1-a"},{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1"}],"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 Pay","Limited Pay"],"display":"Single Pay and Limited Pay","note":null,"quote":"Limited Pay means premiums need to be paid regularly for a limited portion of the policy term. ... Single Pay means premium needs to be paid once at the start of the Policy.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"quote-verified","value":"Guaranteed benefits include Guaranteed Early Income, Guaranteed Income, Sum Assured on Maturity, Sum Assured on Death and guaranteed death benefit factors, as applicable to the chosen plan option and policy schedule.","display":"GEI and GI as specified in the Policy Schedule; Sum Assured on Maturity fixed at inception; death benefit factors guaranteed throughout the policy term.","note":"The rupee amounts are policy-specific and are specified in the Policy Schedule.","quote":"Guaranteed Early Income (“GEI”) means the amount specified in the Policy Schedule that is guaranteed to be paid by Us on the survival of the Life Assured in accordance with the terms of the Policy. ... Guaranteed Income (“GI”) means the amount specified in the Policy Schedule that is guaranteed to be paid by Us during the Income Period in accordance with the terms of the Policy. ... Your Sum Assured on Maturity will be a fixed\nMonthly | 103%\npercentage of Annualized Premium/Single Premium and will be set at\nAnnual | 100%\npolicy inception. Your Sum Assured on Maturity is as mentioned in the Policy Schedule. ... Death benefit factors, provided at the inception of the policy, are guaranteed throughout the policy term.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1"},{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1-a"}],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"quote-verified","value":"No bonus is stated. The product is described as a non-participating non-linked life individual savings product.","display":"Non-Participating; no bonus stated.","note":null,"quote":"UIN:105N182V13- A Non-Participating Non-Linked Life Individual Savings Product","sources":[{"clause":null,"heading":"ICICI Pru Guaranteed Income For Tomorrow","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-icici-pru-guaranteed-income-for-tomorrow"}],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":"The base product documents provided do not print a benefit illustration at 4% and 8% for this product.","quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"quote-verified","value":"Lump sum and Income plan options have no survival benefit during the policy term. Early Income pays GEI from the beginning of the 2nd Policy Year until the end of the policy term, and Single Pay Income pays GEI annually at the end of every year from the 2nd Policy Year until the end of the policy term.","display":"Early Income: GEI from beginning of 2nd Policy Year till end of policy term; Single Pay Income: annual GEI from end of every year from 2nd Policy Year till end of policy term.","note":null,"quote":"2A. Survival Benefit i. For Lump sum and Income plan options This benefit is not applicable. ii. For Early Income plan option a. GEI will be payable from the beginning of the 2nd Policy Year till the end of the policy term. The frequency of GEI pay-out will be as per the frequency of premium payment. ... iii. For Single Pay Income plan option a. GEI will be payable annually at the end of every year from the 2nd Policy Year till the end of the policy term.","sources":[{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269#c-1-a"}],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Guaranteed Income For Tomorrow_09032026 to 31032026_105N182V13","pages":11,"fetched_at":"2026-10-20 01:18:58+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Guaranteed_Income_For_Tomorrow_09032026_to_till_date_105N182V13.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22269"},{"kind":"wording","label":"ICICI Pru Guaranteed Income For Tomorrow_01042026 to 0410206_105N182V13","pages":11,"fetched_at":"2026-10-20 01:19:00+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Guaranteed_Income_For_Tomorrow_01042026_to_till_date_105N182V13.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/22270"},{"kind":"cis","label":"ICICI Life Guaranteed Income For Tomorrow - Customer Information Sheet","pages":5,"fetched_at":"2026-10-20 00:49:15+00","source_url":"https://www.icicilife.com/content/dam/icicipru/customer-information-sheet/Customer_Information_Sheet_ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/21549"},{"kind":"brochure","label":"ICICI Life Guaranteed Income For Tomorrow","pages":24,"fetched_at":"2026-10-20 00:44:13+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Pru_Guaranteed_Income_For_Tomorrow.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/21456"},{"kind":"brochure","label":"ICICI Pru Capital Guarantee II Leaflet","pages":6,"fetched_at":"2026-10-20 00:58:51+00","source_url":"https://www.icicilife.com/content/dam/icicipru/leaflets/ICICI_Pru_Capital_Guarantee_II_Leaflet.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13/document/21738"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI Life Insurance official website","url":"https://www.icicilife.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ICICI Life Guaranteed Income For Tomorrow (UIN 105N182V13), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-income-for-tomorrow-105n182v13"}