{"uin":"105N187V10","name":"ICICI Life Guaranteed Pension Plan Flexi","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10","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 Guaranteed Pension Plan Flexi is a non-participating, non-linked individual savings deferred annuity product with seven deferred annuity options. The annuity starts after the chosen deferment period and is guaranteed for life, with a 30 days free-look period and a grace period of 30 days except 15 days for monthly premiums.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:40:31.768545+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":"The wording lists annuity options, not named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is a deferred annuity. Annuity is paid after the deferment period and the annuity amount chosen at inception is guaranteed for life.","display":"Deferred annuity; annuity guaranteed for life","note":null,"quote":"The Annuitant shall be paid Annuity in arrears after the end of the Deferment Period from the Date of first Annuity payment specified in the Policy Schedule as per the Annuity Option, Deferment Period and the frequency chosen at inception by You and specified in the Policy Schedule. ... The Annuity amount chosen at Policy inception is guaranteed for life.","sources":[{"clause":"Part C","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-part-c"}],"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 refers to date of intimation in benefit calculations, but does not state 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":"quote-verified","value":["Duly filled and signed Claimant Statement Form","Recent photograph of the claimant","Death Certificate issued by local government authority of the person insured in the policy (Annuitant(s))","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 of the bank account of the claimant where payment needs to be transferred","Past medical records and treatment papers","All hospitalization records such as Admission form, Hospital treatment papers, Discharge summary, Diagnostic reports","First Information report (FIR)","Postmortem report (PMR)","Claimant’s Statement","Original Policy Document","Photo ID and Address Proof of Claimant","Definition Fulfilment documents","Payout mandate","Cancelled Cheque for processing electronic payment"],"display":"Death, CI, PD and survival claim documents listed","note":"Additional documents depend on whether the claim is for death due to natural or other reasons, critical illness, permanent disability due to accident, or survival benefit.","quote":"For processing a death claim under this Policy, We will require the following documents (as may be relevant) in case of: 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 (Annuitant(s)) 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":null,"heading":"General Conditions","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-general-conditions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["suicide clause for the Death Benefit","All tumors which are histologically described as carcinoma in situ, benign, pre-malignant, borderline malignant, low malignant potential, neoplasm of unknown behavior, or non-invasive","Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond","Malignant melanoma that has not caused invasion beyond the epidermis","Other acute Coronary Syndromes","Any type of angina pectoris","Angioplasty and/or any other intra-arterial procedures","Transient ischemic attacks (TIA)","Traumatic injury of the brain","Vascular disease affecting only the eye or optic nerve or vestibular functions","Other stem-cell transplants","Where only islets of langerhans are transplanted"],"display":"No exclusion other than suicide for Death Benefit; specified CI definitions have listed exclusions","note":"The listed disease exclusions apply to the Critical Illness definitions.","quote":"There is no exclusion other than suicide clause for the Death Benefit. No waiting period/pre-existing condition will apply for Death Benefit or benefit payable on occurrence of CI/PD. ... The following are excluded: i. All tumors which are histologically described as carcinoma in situ, benign, pre-malignant, borderline malignant, low malignant potential, neoplasm of unknown behavior, or non-invasive ... ii. Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond; iii. Malignant melanoma that has not caused invasion beyond the epidermis; ... The following are excluded: i. Other acute Coronary Syndromes ii. Any type of angina pectoris ... The following are excluded: i. Angioplasty and/or any other intra-arterial procedures ... The following are excluded: i. Transient ischemic attacks (TIA) ii. Traumatic injury of the brain iii. Vascular disease affecting only the eye or optic nerve or vestibular functions. ... The following are excluded: i. Other stem-cell transplants ii. Where only islets of langerhans are transplanted","sources":[{"clause":"12","heading":"Exclusions, if any (e.g. Occupational Hazard, Travel)","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-12"},{"clause":"11(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-11-a"},{"clause":null,"heading":"Attack of specified severity (Myocardial Infarction)","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-attack-of-specified-severity-myocardial-infarcti"},{"clause":null,"heading":"Stroke Resulting In Permanent Symptoms","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-stroke-resulting-in-permanent-symptoms"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact customer service through the app, website, advisor, call centre, chat, WhatsApp, branch or customer service desk. If unresolved or unsatisfied, approach the Grievance Redressal Officer, then the internal Grievance Redressal Committee, before IRDAI or the Insurance Ombudsman route.","display":"Customer service → GRO → Grievance Redressal Committee → IRDAI/Ombudsman","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 ... Alternatively, You may communicate with Us at any of our branches or the customer service desk whose details are mentioned in the policy document. ... 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":"1","heading":"Customer service","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-1-3"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":"The annuity wording describes death benefits based on Total Premiums Paid and Guaranteed Additions, but does not state a sum assured or minimum and maximum 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. During the deferment period it is generally higher of Total Premiums Paid plus accrued Guaranteed Additions and 105% of Total Premiums Paid; after deferment, without-return options have no death benefit, while return-of-premium options pay the higher of Total Premiums Paid plus accrued Guaranteed Additions less annuity paid till death intimation and Total Premiums Paid.","display":"Option-based; generally higher of TPP + accrued Guaranteed Additions and 105% of TPP during deferment","note":"Joint life benefits are generally payable on death of the last survivor; death benefit payout can be lump sum or structured income over 5 years.","quote":"Death Benefit under this option is payable during the Deferment Period and is higher of: a. Total Premiums Paid + accrued Guaranteed Additions b. 105% of Total Premiums Paid ... In case of death after the Deferment Period, no Death Benefit is payable and the Policy shall terminate and no further benefits are payable. ... In case of death of the Annuitant, Death Benefit is payable to the Claimant. Death Benefit during the Deferment Period is higher of: a. Total Premiums Paid + accrued Guaranteed Additions b. 105% of Total Premiums Paid ... Death Benefit after the Deferment Period is higher of: a. Total Premiums Paid + accrued Guaranteed Additions – Total Annuity paid out till date of intimation of death b. Total Premiums","sources":[{"clause":"Part C","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-part-c"},{"clause":null,"heading":"Critical illness (CI) or Permanent Disability due to accident (PD) or","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-critical-illness-ci-or-permanent-disability-due"}],"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":"After the deferment period, the annuitant is paid annuity in arrears as per the chosen option and frequency. The annuity amount chosen at policy inception is guaranteed for life.","display":"Annuity in arrears after deferment, guaranteed for life","note":"The wording does not describe a separate maturity benefit.","quote":"The Annuitant shall be paid Annuity in arrears after the end of the Deferment Period from the Date of first Annuity payment specified in the Policy Schedule as per the Annuity Option, Deferment Period and the frequency chosen at inception by You and specified in the Policy Schedule. ... The Annuity amount chosen at Policy inception is guaranteed for life.","sources":[{"clause":"Part C","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-part-c"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The wording says the Premium Payment Term is specified in the Policy Schedule and is chosen at inception, but does not state the available years.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The annuity amount chosen at policy inception is guaranteed for life.","display":"Guaranteed for life","note":"No maximum maturity age is stated in the wording.","quote":"The Annuity amount chosen at Policy inception is guaranteed for life.","sources":[{"clause":"Part C","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-part-c"}],"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":"During the deferment period, if the annuitant or last survivor in a joint life policy dies by suicide within 12 months from commencement of risk or revival, the nominee or legal heir receives at least 80% of Total Premiums Paid till death or the available surrender value, whichever is higher, provided the policy is in force. After the deferment period, the suicide clause does not apply and death benefit as per the option chosen applies.","display":"Within 12 months during deferment: higher of 80% of TPP or surrender value","note":null,"quote":"During the Deferment Period, in case death of the Annuitant or death of the last survivor in a Joint Life Policy, 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 Nominee/legal heir shall be entitled to at least 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. ... In case of death due to suicide after the Deferment Period, the above suicide clause is not applicable and Death Benefit as per the option chosen will be applicable.","sources":[{"clause":"11","heading":"Suicide During the Deferment Period, in case death of the","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-11-2"}],"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":"conflicting","value":"Surrender is allowed any time after payment of at least one full policy year’s premiums; before one full year’s premium, no surrender value is payable. During the deferment period surrender value is higher of GSV and SSV; after deferment no surrender value is payable for the two without-return options, and SSV is payable for the listed return-of-premium options.","display":"After at least 1 full policy year; GSV/SSV rules apply","note":"Another wording adds a benefit-enhancer surrender rule: “An enhanced benefit will be offered on surrender anytime from Date of Commencement of Policy to the end of the Deferment Period. This enhanced benefit shall be the Surrender Value as described above, subject to minimum of 100% of Total Premiums Paid till the date of Surrender.”","quote":"You can Surrender the Policy any time after payment of at least one full policy year’s Premium(s). Prior to receipt of one full year’s premium , no surrender value is payable. For all options, in case of Surrender during Deferment Period, the Surrender Value would be higher of Guaranteed Surrender value (GSV) and Special Surrender Value (SSV). ... For the following options, no Surrender Value will be payable after the Deferment Period: a) Single life without return of premium b) Joint Life without Return of Premium ... For the following Annuity options, in case of Surrender after Deferment Period, the Surrender Value would be equal to the Special Surrender Value (SSV):","sources":[{"clause":"2","heading":"Surrender","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21851#c-2-2"},{"clause":"2","heading":"Surrender","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#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":"If premiums are discontinued before the end of the Premium Payment Term 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 annuity equals Original Annuity amount multiplied by months paid divided by 12 times the Premium Payment Term.","display":"Paid-up after at least one full year’s premium; reduced annuity formula applies","note":null,"quote":"If premium payment is discontinued before the end of the Premium Payment Term but after You have paid at least one full years’ premium, the Policy can continue as a paid-up Policy with reduced benefits as described below. b. Paid-up Annuity amount = Original Annuity amount X {number of months for which premiums are paid / (12 X Premium Payment Term)}","sources":[{"clause":null,"heading":"Critical illness (CI) or Permanent Disability due to accident (PD) or","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-critical-illness-ci-or-permanent-disability-due"}],"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 policy with discontinued premium payment may be revived if the application is made within 5 years from the due date of the first unpaid premium, subject to underwriting, health evidence, and payment of arrears with interest.","display":"Within 5 years from first unpaid premium","note":null,"quote":"A Policy which has discontinued payment of Premium may be revived subject to Board Approved Underwriting Policy and the following conditions: a) The application for revival is made within 5 years from the due date of the first unpaid premium. Revival will be based on the prevailing Board Approved Underwriting Policy (BAUP). b) The Policyholder furnishes, at his own expense, satisfactory evidence of health of the Annuitant as required by the prevailing BAUP. c) The arrears of Premiums together with interest at such rate as We may charge for late payment of premiums are paid.","sources":[{"clause":"8","heading":"Revival","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-8"}],"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":"Loan is available after payment of at least one full policy year’s premiums for all options except Single life without Return of Premium and Joint Life without Return of Premium. During deferment the loan can be for any purpose, and after deferment it can be availed only for health related ailments for the annuitant or family members.","display":"Available except two without-return options, after 1 full policy year’s premium","note":null,"quote":"Loan is available for all options except Single life without Return of Premium and Joint Life without Return of Premium, after payment of at least one full Policy Year’s premium(s). ... During the Deferment Period, Loan can be availed for any purpose. ... Post Deferment Period, Loan can be availed only in case of health related ailments for the Annuitant(s) or family members.","sources":[{"clause":"3","heading":"Loan","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-3-2"}],"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":["Waiver of Premium benefit Option"],"display":"Waiver of Premium benefit Option with Joint Life options","note":"No rider names are stated; the quoted rider sentence is conditional.","quote":"Riders may be offered subject to prior approval of IRDAI. ... The Policyholder can choose the waiver of premium benefit option with Joint Life options. This option has to be chosen at inception. On death of the primary Annuitant during the premium payment term, the future premiums will be waived off and the applicable benefits will continue to be paid to the secondary Annuitant.","sources":[{"clause":"5","heading":"Riders","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-5"},{"clause":null,"heading":"6.Waiver of Premium benefit Option","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-6-waiver-of-premium-benefit-option"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after expiry of 3 years from issuance, commencement of risk, revival, or rider date, whichever is later. Within 3 years, it may be questioned on fraud or material misstatement grounds as described, with written communication of grounds and materials.","display":"Cannot be questioned after 3 years; fraud/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 from a) the date of issuance of Policy or b) the date of commencement of risk or c) the date of revival of Policy or d) the date of rider to the Policy whichever is later. ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made","sources":[{"clause":"Appendix III","heading":"Section 45 – Policy shall not be called in question on","page":11,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-appendix-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 only says benefits are subject to tax laws and that taxes are payable with premiums; it does not state tax benefits.","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":null,"quote":"If You are not satisfied or have any disagreement with the terms and conditions of the policy or otherwise and have not made any claim, the policy document needs to be returned to the Company with reasons for cancellation of the policy within 30 days from the date of receipt of the policy document.","sources":[{"clause":"1","heading":"Free look Period","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-1-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"15 days if monthly premium frequency is chosen; 30 days for any other frequency.","quote":"If you are unable to pay an instalment premium by the due date, you will be given a Grace Period of 15 days for payment of due instalment premium if You have chosen monthly frequency, and 30 days for payment of due instalment premium if You have chosen any other frequency, commencing from the premium due date. The risk cover continues and the Policy is considered to be in-force during the Grace Period.","sources":[{"clause":null,"heading":"Critical illness (CI) or Permanent Disability due to accident (PD) or","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-critical-illness-ci-or-permanent-disability-due"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["yearly","half-yearly","monthly"],"display":"yearly, half-yearly, or monthly","note":null,"quote":"Premiums under the Policy can be paid in yearly, half-yearly, or monthly mode.","sources":[{"clause":null,"heading":"Critical illness (CI) or Permanent Disability due to accident (PD) or","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-critical-illness-ci-or-permanent-disability-due"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Premiums(instalments)","Top-up Premium"],"display":"Instalment premiums during PPT; top-up premiums allowed","note":"The wording does not use the labels single, regular or limited premium.","quote":"You are required to pay Premiums(instalments) for the entire premium payment term on the due dates and for the amount mentioned in the Policy Schedule along with taxes. ... Top-up Premium means premium paid in addition to the premium payable during PPT as mentioned in the Policy schedule.","sources":[{"clause":null,"heading":"Critical illness (CI) or Permanent Disability due to accident (PD) or","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-critical-illness-ci-or-permanent-disability-due"},{"clause":"3","heading":"Annuitant","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-3"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"quote-verified","value":["Single life without Return of Premium","Joint Life without Return of Premium","Single life with Return of Premium","Joint Life with Return of Premium","Single Life with Return of Premium on Critical illness (CI) or Permanent Disability due to accident (PD) or Death","Increasing Annuity for Single Life with Return of Premium","Increasing Annuity for Joint Life with Return of Premium"],"display":"7 deferred annuity options","note":null,"quote":"This Policy offers 7 deferred Annuity options. Details of all the Annuity options are explained below: i. Single life without Return of Premium: ... ii. Joint Life without Return of Premium: ... v. Single Life with Return of Premium on ... Death ... iii. Single life with Return of Premium: ... iv. Joint Life with Return of Premium: ... vi. Increasing Annuity for Single Life with Return of Premium: ... vii. Increasing Annuity for Joint Life with Return of Premium:","sources":[{"clause":"Part C","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-part-c"},{"clause":null,"heading":"Critical illness (CI) or Permanent Disability due to accident (PD) or","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-critical-illness-ci-or-permanent-disability-due"}],"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 states a minimum annuity for paid-up cases, but does not state the smallest lump sum, purchase price, or annuity accepted at purchase.","quote":null,"sources":[],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"quote-verified","value":"The deferment period is chosen at inception and mentioned in the policy schedule. It starts from commencement of policy, is more than or equal to the Premium Payment Term, and the first annuity becomes payable after the deferment period.","display":"Chosen at inception; at least the Premium Payment Term","note":"The wording does not state the available deferment period range.","quote":"Deferment Period means the period, in years, which starts from the Date of Commencement of Policy and is more than or equal to the Premium Payment Term, . Post the Deferment Period, first Annuity becomes payable to the Annuitant in arrears as per the terms and conditions as specified under the Policy. For this Policy, the Deferment Period is as chosen at inception and mentioned in Your Policy Schedule.","sources":[{"clause":"3","heading":"Annuitant","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-3"}],"law":[]},{"key":"annuity_frequency","label":"Payout frequency","section":"Cover","meaning":"Monthly, quarterly, half-yearly, yearly.","status":"quote-verified","value":["monthly","quarterly","half-yearly","annual"],"display":"monthly, quarterly, half-yearly or annual","note":null,"quote":"The frequency of Annuity payments can be monthly, quarterly, half-yearly or annual.","sources":[{"clause":"Part C","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-part-c"}],"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":"quote-verified","value":"For the increasing annuity option, the annuity amount increases every year at 5% p.a. of the first-year annuity after the deferment period. The illustration says if the first-year amount is ₹ 1000/-, the second year amount is ₹ 1050/- and the third year amount is ₹ 1100/-.","display":"₹ 1000/- in year 1, ₹ 1050/- in year 2, ₹ 1100/- in year 3","note":"This is an illustration for the increasing annuity option, not a current annuity rate for all ages.","quote":"The annuity amount will increase every year at a rate of 5% p.a. of the annuity amount payable in the first year after completion of Deferment period. Illustration-If the annuity amount payable in the first year after the completion of deferment period is ₹ 1000/- then in the second year the annuity amount would increase to ₹ 1050/- and for the third year the amount would be ₹ 1100/- and so on.","sources":[{"clause":null,"heading":"Critical illness (CI) or Permanent Disability due to accident (PD) or","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854#c-critical-illness-ci-or-permanent-disability-due"}],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Guaranteed Pension Plan Flexi_ Annexure V_Non Benefit Enhancer_25-Feb-2026 to till date - 105N187V10","pages":11,"fetched_at":"2026-10-20 01:04:05+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Guaranteed_Pension_Plan_Flexi_Annexure_V_Non_Benefit_Enhancer_250226.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21851"},{"kind":"wording","label":"ICICI Pru Guaranteed Pension Plan Flexi_ Annexure V_25-Feb-2026 to 23 – June -2026 - 105N187V10","pages":11,"fetched_at":"2026-10-20 01:04:08+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Guaranteed_Pension_Plan_Flexi_Annexure_V_Benefit_Enhancer_250226.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21854"},{"kind":"wording","label":"ICICI Pru Guaranteed Pension Plan Flexi_ Annexure V_ 24-June-2026 till date - 105N187V11","pages":11,"fetched_at":"2026-10-20 01:04:09+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Guaranteed_Pension_Plan_Flexi_Annexure_V_24_June_2026_till_date_105N187V11.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21855"},{"kind":"wording","label":"ICICI Pru Guaranteed Pension Plan Flexi_ Annexure V_ 24-June-2026 till date - 105N187V11 (Hindi)","pages":13,"fetched_at":"2026-10-20 01:04:12+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Guaranteed_Pension_Plan_Flexi_Annexure_V_24_June_2026_till_date_105N187V11_Hindi.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21857"},{"kind":"brochure","label":"ICICI Life Guaranteed Pension Plan Flexi","pages":36,"fetched_at":"2026-10-20 00:47:41+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Pru_GPP_Flexi_Brochure.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10/document/21514"}],"versions":[{"uin":"105N187V11","version":null,"approved_on":null},{"uin":"105N187V10","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 Guaranteed Pension Plan Flexi (UIN 105N187V10), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-pension-plan-flexi-105n187v10"}