{"uin":"105N226V01","name":"ICICI Life Guaranteed Indexed Pension","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01","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 Life Guaranteed Indexed Pension is a non-participating non-linked individual savings general annuity plan with Life Annuity, Life Annuity with Return of Balance Purchase Price and Life Annuity with Return of Purchase Price variants. Annuity can be immediate or deferred, paid monthly, quarterly, half-yearly or annual, and purchased by Single Pay or Limited Pay.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:40:49.724411+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":["Life Annuity","Life Annuity with Return of Balance Purchase Price","Life Annuity with Return of Purchase Price"],"display":"Life Annuity; Life Annuity with Return of Balance Purchase Price; Life Annuity with Return of Purchase Price","note":null,"quote":"There are three Annuity variants under this product i.e. Life Annuity, Life Annuity with Return of Balance Purchase Price and Life Annuity with Return of Purchase Price.","sources":[{"clause":"1","heading":"Benefits payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The annuity is payable for life. Under Joint Life, after the first death the surviving annuitant continues to receive annuity until his or her death, and no further annuity is payable on death of the last surviving annuitant.","display":"For life of the annuitant(s)","note":null,"quote":"Annuity is paid for life of the Primary Annuitant. In the event of the death of the Primary Annuitant, Annuity shall be payable for the life of the Secondary Annuitant. ... On death of the last surviving Annuitant, no further Annuity would be payable under the policy.","sources":[{"clause":"1.2(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-2-a"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The policy mentions adjustment of excess annuities if death intimation is delayed, but does not state a deadline for claim intimation.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled and signed Claimant Statement Form","Copy of Death Certificate of the Annuitant(s), 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","Ownership transfer form to be submitted in case of ownership transfer to the Secondary Annuitant due to death of the Primary Annuitant under joint life policies.","Additional documents will also be required, depending on the type of death","Payout mandate","Cancelled Cheque for processing electronic payment"],"display":"Death claim documents include claimant statement, death certificate, claimant KYC, payout mandate and bank proof; survival claims need payout mandate and cancelled cheque.","note":"Additional documents depend on whether death is due to unnatural causes or natural/medical causes.","quote":"For processing a death claim under this Policy, We will require the following documents (as may be relevant) in case of: i. Duly filled and signed Claimant Statement Form ii. Copy of Death Certificate of the Annuitant(s), issued by government authority iii. Claimant address proof* iv. Claimant photo identity proof* v. Recent photograph of the Claimant vi. Pan card / Form 60 of the Claimant\nvii. Duly filled and signed Payout mandate form with bank account details of the Claimant viii. Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the Claimant ix. Ownership transfer form to be submitted in case of ownership transfer to the Secondary Annuitant due to death of the Primary Annuitant under joint life policies. Additional documents will also be required, depending on the type of death ... 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":"10","heading":"Payment of claim","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-10-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":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":["In the event of death of the Annuitant after the Deferment period or under Immediate Annuity option, no death benefit would be payable by the Company.","On death of the last surviving Annuitant, no further Annuity would be payable under the policy.","Prior to receipt of one full year’s premium, no Surrender Value is payable.","Policies sourced as QROPS through transfer of UK tax relieved assets cannot be surrendered.","No benefits are payable under a lapsed Policy."],"display":"No death benefit under Life Annuity after deferment/immediate annuity; no annuity after last surviving annuitant dies; no surrender value before one full year’s premium for Limited Pay; QROPS cannot be surrendered; no benefits under a lapsed policy.","note":null,"quote":"In the event of death of the Annuitant after the Deferment period or under Immediate Annuity option, no death benefit would be payable by the Company. ... On death of the last surviving Annuitant, no further Annuity would be payable under the policy. ... Prior to receipt of one full year’s premium, no Surrender Value is payable. ... Policies sourced as QROPS through transfer of UK tax relieved assets cannot be surrendered. ... No benefits are payable under a lapsed Policy.","sources":[{"clause":"1.1.1(a)(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-1-1-a-i"},{"clause":"1.2(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-2-a"},{"clause":"2(a)","heading":"Single Pay Policies","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-2-a"},{"clause":"2(a)(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-2-a-i"},{"clause":"11(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-11-a"}],"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, branches or customer service desk. If not resolved, submit the concern to the Grievance Redressal Officer and then to the internal Grievance Redressal Committee before approaching IRDAI or the Insurance Ombudsman.","display":"Customer service → Grievance Redressal Officer → Grievance Redressal Committee","note":null,"quote":"For any clarification or assistance, You may submit your query or request through 'write to us' section on our mobile app or website. You may contact Our advisor or call Our customer service representative ... If You do not receive any resolution from Us or if You are not satisfied with Our resolution, You may submit your concern to the designated grievance redressal officer (GRO) ... If You do not receive any resolution or if You are not satisfied with the resolution provided by the GRO, You may escalate the matter to Our internal grievance redressal committee","sources":[{"clause":"1","heading":"Customer service","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-7"},{"clause":"1(i)","heading":"Grievance Redressal Officer","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-i"},{"clause":"1(ii)","heading":"Grievance Redressal Committee","page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-ii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":"The policy describes annuity and death benefit formulas, but does not state a sum assured.","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":"During the deferment period, the death benefit is the higher of 105% of Total Premiums Paid up to the date of death or Surrender Value as on date of death. After deferment or under immediate annuity, Life Annuity pays no death benefit, Life Annuity with Return of Balance Purchase Price pays Total Premiums Paid less all annuities paid subject to a minimum of zero, and Life Annuity with Return of Purchase Price pays Total Premiums Paid.","display":"During deferment: higher of 105% of Total Premiums Paid or Surrender Value; after deferment/immediate: varies by annuity variant","note":"For Joint Life policies, death benefit is payable only on death of the last surviving annuitant.","quote":"In the event of death of the Annuitant during the Deferment Period, provided the Policy is inforce or Premium Paying, the Death benefit payable by the Company to the Claimant shall be the higher of: • 105% of Total Premiums Paid up to the date of death, or • Surrender Value payable as on date of death ... In the event of death of the Annuitant after the Deferment period or under Immediate Annuity option, no death benefit would be payable by the Company. ... Death Benefit payable by the Company to the Claimant shall be equal to Total Premiums Paid up to the date of death less all Annuities paid out till the date of death, subject to a minimum of zero. ... Death Benefit payable by the Company to the Claimant shall be equal to Total Premiums Paid up to the date of death of the Annuitant.","sources":[{"clause":"1.1.1(a)(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-1-1-a-i"},{"clause":"1.1.2(a)(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-1-2-a-i"},{"clause":"1.1.3(a)(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-1-3-a-i"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"not-applicable","value":null,"display":null,"note":"This is an annuity product paying lifetime annuity; the policy does not run to a fixed maturity date with a maturity benefit.","quote":null,"sources":[],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premiums can be paid as Single Pay or Limited Pay. For Limited Pay, premium instalments are paid over the chosen premium payment term specified in the Policy Schedule.","display":"Single Pay or Limited Pay","note":null,"quote":"The Annuity can be purchased by You either by paying one lump sum premium at the time of purchase (Single Pay) or multiple premium instalments over the chosen premium payment term (Limited Pay). ... For Limited Pay Policies, You are required to pay premium (instalments) for the entire Premium payment term on the due dates and for the amount mentioned in the Policy Schedule along with taxes.","sources":[{"clause":"1.5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-5-a"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-applicable","value":null,"display":null,"note":"This is a lifetime annuity product and does not have a maximum maturity age at which cover ends.","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 the Annuitant or Primary Annuitant dies by suicide within 12 months from policy commencement or revival, the claimant gets the higher of 80% of Total Premiums Paid till death or Surrender Value available on the date of death, provided the policy is in force. Any annuity instalments already paid during those 12 months are deducted, and the policy terminates.","display":"Within 12 months: higher of 80% of Total Premiums Paid or Surrender Value, less annuity instalments already paid","note":null,"quote":"In case of death of the Annuitant (for Single Life policies)/Primary Annuitant (for Joint Life policies) due to suicide within 12 months from the Policy Commencement Date 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. ... In case any Annuity instalments have already been paid out during the 12 months after the Policy Commencement Date or date of revival, as applicable, such amount already paid out shall be deducted from the amount payable on such death.","sources":[{"clause":"11(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-11-a-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":"quote-verified","value":"Single Pay policies can be surrendered any time after commencement. Limited Pay policies can be surrendered after payment of at least one full policy year’s premiums; before that no surrender value is payable. Surrender value, if payable, is based on GSV and SSV; QROPS policies cannot be surrendered and NPS policies follow PFRDA rules.","display":"Single Pay: any time after commencement; Limited Pay: after at least one full Policy Year’s premium(s)","note":null,"quote":"Single Pay Policies: You can Surrender the Policy any time after the Date of commencement of the Policy. b. Limited Pay Policies: 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. ... The Surrender Value (if payable) shall be based on Guaranteed Surrender Value (GSV), wherever applicable, and Special Surrender Value (SSV) ... Policies sourced as QROPS through transfer of UK tax relieved assets cannot be surrendered. In case the Annuity policy is purchased from National Pension System (NPS) proceeds, the surrender of a policy shall be as per the prevailing rules stipulated by the Pension Fund Regulatory and Development Authority (PFRDA).","sources":[{"clause":"2(a)","heading":"Single Pay Policies","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-2-a"},{"clause":"2(a)(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-2-a-i"}],"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":"Reduced paid-up is not applicable to Single Pay policies. For Limited Pay, if premiums stop before the end of the premium payment term but after at least one full year’s premium has been paid, the policy continues as a Reduced Paid-Up Policy with reduced annuity benefits.","display":"Limited Pay becomes Reduced Paid-Up after at least one full year’s Premium is paid","note":null,"quote":"This section is not applicable for Single Pay policies. b. For Limited Pay policies, if premium payment is discontinued before the end of the Premium Payment Term, but after You have paid at least one full year’s Premium, the Policy shall continue as a Reduced Paid-Up Policy with reduced benefits as described below. c. Annuity Benefit: I. Reduced Paid-up Annuity is payable in arrears as per chosen Annuity Payment Frequency, to the Annuitant(s) on Single or Joint life basis, as mentioned in the Policy Schedule, for as long as the Annuitant(s) are alive.","sources":[{"clause":"3(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-3-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":"Single Pay policies do not have revival. A discontinued Limited Pay policy may be revived if the application is made within 5 years from the due date of the first unpaid premium or before the end of the deferment period, whichever is earlier, subject to underwriting, evidence of health and payment of arrears with interest.","display":"Within 5 years from first unpaid premium, or before end of Deferment Period, whichever is earlier","note":null,"quote":"This section is not applicable to Single Pay Policies. ... The application for revival is made within 5 years from the due date of the first unpaid premium, or before end of the Deferment Period, whichever is earlier. Revival will be based on the prevailing Board Approved Underwriting Policy (BAUP). ... You furnish, at his own expense, satisfactory evidence of health of the Annuitant as required by the prevailing BAUP. ... The arrears of Premiums together with interest at such rate as We may charge for late payment of premiums are paid.","sources":[{"clause":"9(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-9-a"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans are available only under the Life Annuity with Return of Purchase Price variant, only during the deferment period, and only if a positive surrender value is available. The loan cannot exceed 50% of surrender value as on the request date.","display":"Available only under Life Annuity with Return of Purchase Price during Deferment Period; up to 50% of Surrender Value","note":null,"quote":"Loan is available only under ‘Life Annuity with Return of Purchase Price’ variant and is allowed only during the Deferment Period, provided a positive Surrender Value is available on Surrender at the time of availing loan. ... The amount of loan that can be granted under the Policy shall be subject to the Company’s Board approved Underwriting Policy and it shall not be more than 50% of Surrender value as on date of request.","sources":[{"clause":"5(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-5-a"}],"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 policy only says riders may be offered subject to prior IRDAI approval, but does not name any riders.","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":"No life insurance policy can be called into question on any ground after 3 years from the latest of policy issuance, risk commencement, revival or rider date. Within 3 years, the policy may be called in question on fraud grounds, and also on material misstatement or suppression; for non-fraud misstatement repudiation, premium collected is paid within 90 days from repudiation.","display":"No questioning after 3 yrs; within 3 years for fraud or material misstatement as stated","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\n3 years from a) the date of issuance of Policy or b) the date of commencement of risk or c) the date of revival of Policy or d) the date of rider to the Policy whichever is later. ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made ... In case repudiation is on ground of mis-statement 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 II","heading":"Section 38 – Assignment and Transfer of Insurance Policies","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-appendix-ii"},{"clause":"2","heading":"On the ground of fraud, a Policy of Life Insurance may be called in question within","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-2-3"}],"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 document mentions tax deduction at source and tax liability, but 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":"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(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-a"}],"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 for monthly premium frequency; 30 days for any other frequency. Not applicable to Single Pay policies.","quote":"This Section is not applicable to Single Pay Policies. b. 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.","sources":[{"clause":"10(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-10-a"}],"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":["Single Pay","yearly","half-yearly","monthly"],"display":"Single Pay, yearly, half-yearly or monthly","note":null,"quote":"Premiums under the Policy can be paid in Single Pay, yearly, half-yearly, or monthly mode.","sources":[{"clause":"1.5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-5-a"}],"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 or Limited Pay","note":null,"quote":"The Annuity can be purchased by You either by paying one lump sum premium at the time of purchase (Single Pay) or multiple premium instalments over the chosen premium payment term (Limited Pay).","sources":[{"clause":"1.5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-5-a"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"quote-verified","value":["Life Annuity","Life Annuity with Return of Balance Purchase Price","Life Annuity with Return of Purchase Price","Immediate Annuity Plan","Deferred Annuity Plan","Joint Life Option","NPS - Family Income Option"],"display":"Life Annuity; Life Annuity with Return of Balance Purchase Price; Life Annuity with Return of Purchase Price; immediate or deferred; Joint Life Option; NPS - Family Income Option","note":"NPS - Family Income Option is available only for National Pension System subscribers.","quote":"There are three Annuity variants under this product i.e. Life Annuity, Life Annuity with Return of Balance Purchase Price and Life Annuity with Return of Purchase Price. ... Annuity can be received either immediately (Immediate Annuity Plan) or on a deferred basis after the completion of the Deferment Period (Deferred Annuity Plan) ... If Joint Life Option is chosen by You at inception, then Annuity is paid for life of the Primary Annuitant. In the event of the death of the Primary Annuitant, Annuity shall be payable to the Secondary Annuitant for life. ... NPS - Family Income Option","sources":[{"clause":"1","heading":"Benefits payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-2"},{"clause":"1.3","heading":"NPS - Family Income Option","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-3"}],"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 policy defines Total Premiums Paid or Purchase Price, but does not state a minimum purchase price.","quote":null,"sources":[],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"quote-verified","value":"For deferred annuity, the deferment period is chosen at inception and mentioned in the Policy Schedule. It must be at least 1 year for Single Pay policies and at least equal to the Premium Payment Term for Limited Pay policies; for Immediate Annuity it is zero.","display":"Deferred: at least 1 year for Single Pay; at least Premium Payment Term for Limited Pay; Immediate: zero","note":null,"quote":"Deferment Period means the period, in years, between the Date of commencement of Policy and the end of the year before annuity vests. Deferment Period is as chosen at inception and mentioned in Your Policy Schedule. For Deferred Annuity, Deferment Period should be at least one year (for Single Pay Policies) and at least equal to the Premium Payment Term (for Limited Pay Policies). For Immediate Annuity, it is considered as zero.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1"}],"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 Annuity Payout Frequency can be monthly, quarterly, half-yearly or annual.","sources":[{"clause":"1","heading":"Benefits payable","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824#c-1-2"}],"law":[]},{"key":"annuity_rate_example","label":"Example annuity rate","section":"Cover","meaning":"An example from the document; rates change with age and over time.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Life Guaranteed Indexed Pension Valid from 14102026 to 15102026 - 105N226V01","pages":9,"fetched_at":"2026-10-20 01:03:09+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Signature_Pension_Valid_from_14102026_to_15102026.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21824"},{"kind":"brochure","label":"ICICI Life Guaranteed Indexed Pension","pages":36,"fetched_at":"2026-10-20 00:48:21+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Life_Guaranteed_Indexed_Pension_Brochure.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01/document/21528"}],"versions":[{"uin":"105N226V02","version":null,"approved_on":null},{"uin":"105N226V01","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 Indexed Pension (UIN 105N226V01), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-guaranteed-indexed-pension-105n226v01"}