{"uin":"128L066V04","name":"Shriram Life Growth Plus","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04","insurer":{"slug":"shriram-life-insurance","name":"Shriram Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/shriram-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":"ULIP","kind":"product","status":"active","approved_on":"2016-08-22","withdrawn_on":null,"summary":"Shriram Life Growth Plus is a unit-linked non-participating life insurance plan with single, limited and regular premium payment options and policy terms of 10 or 15 to 20 years. It has two death benefit options, selectable unit-linked funds, a 5-year lock-in period and a 30-day free-look period in the policy document.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:38:16.303035+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":null,"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":"10 years, or 15 to 20 years.","display":"10 years, or 15 to 20 years","note":"From the sales brochure.","quote":"Policy Term | 10/ 15 to 20 years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15955#c-s1"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Death claim should be intimated within 90 days from the date of death. Delay beyond 90 days may be condoned if the delay was beyond the claimant's control.","display":"Death claim within 90 days from date of death; delay may be condoned if beyond claimant's control","note":null,"quote":"Death claim should be intimated within 90 days from date of death. However, if there is any delay in death claim intimation beyond 90 days that are beyond the control of claimant then the claim may be processed by condoning the delay.","sources":[{"clause":null,"heading":"F2. Suicide clause","page":17,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-f2-suicide-clause"}],"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":["Original policy document","Proof of death/ Death certificate","Identity proof of Nominee","NEFT mandate form","Any other document depending on the cause of death and nature of claim","A certified copy of first information report (FIR).","A certified copy of police inquest report.","Post mortem report","If death is due to vehicle accident, then copy of driving license, if life assured was driving the vehicle.","Hospital treatment records, etc.","Identity proof of Policyholder","Cancelled Cheque leaf or copy of Policyholder’s bank Passbook","Duly filled discharge form"],"display":"Death claim: original policy document, death certificate, nominee identity proof, NEFT mandate and other cause-of-death documents; maturity claim: original policy document, policyholder identity proof, cancelled cheque/passbook, NEFT mandate and discharge form","note":null,"quote":"F10. Documents required for making a death claim :\na) Original policy document\nb) Proof of death/ Death certificate\nc) Identity proof of Nominee\nd) NEFT mandate form\ne) Any other document depending on the cause of death and nature of claim. For accident or medical cases following additional documents, whichever applicable, may be required:\na) A certified copy of first information report (FIR).\nb) A certified copy of police inquest report.\nc) Post mortem report\nd) If death is due to vehicle accident, then copy of driving license, if life assured was driving the vehicle.\ne) Hospital treatment records, etc. F11. Documents required for settlement of a maturity claim:\na) Original policy document\nb) Identity proof of Policyholder\nc) Cancelled Cheque leaf or copy of Policyholder’s bank Passbook\nd) NEFT mandate form\ne) Duly filled discharge form","sources":[{"clause":null,"heading":"F2. Suicide clause","page":17,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-f2-suicide-clause"}],"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":"quote-verified","value":"Death claims that do not require investigation are to be paid, rejected or repudiated within 15 days from receipt of the last required documents or clarifications. If investigation is required, investigation is to be completed within 15 days from the last necessary document and the claim disposed within 30 days thereafter, not exceeding 45 days.","display":"Death claim: 15 days from last required documents if no investigation; investigation cases within 45 days","note":null,"quote":"The death claim shall be paid or rejected or repudiated giving relevant reasons, within 15 days from the receipt of last required documents/clarifications for claims which do not require any investigation. However, where the circumstances of a claim warrant an investigation in the opinion of the insurer, it shall initiate the same at the earliest and complete the such investigation within 15 days from the date of receipt of last necessary document and the claim shall be disposed within 30 days thereafter and in any case should not exceed 45 days.","sources":[{"clause":"Part F(e)(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-f-e-i"}],"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 case of death due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, the nominee or beneficiary is entitled to the fund value as available on the date of intimation of death.","Top-up premiums once paid cannot be withdrawn from the unit fund for a period of 5 years from the date of payment of Top-up premium except in case of complete surrender of the policy.","Partial withdrawals are allowed only after fifth policy anniversary only when the policy is in force.","Partial withdrawals are not allowed on policies issued to minor lives, until the minor life assured attains an age of 18 years.","No Partial withdrawals are allowed which would result into termination of policy.","Partial withdrawals shall not be allowed during the settlement period.","No loans are granted under the policy."],"display":"Main limits include suicide within 12 months paid as fund value, top-up withdrawal locked for 5 years, partial withdrawals only after fifth policy anniversary, no partial withdrawals for minors until age 18, no withdrawal that terminates the policy, no partial withdrawals during settlement period and no loans","note":null,"quote":"In case of death due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable the nominee or the beneficiary of the policyholder shall be entitled to the fund value, as available on the date of intimation of death. ... Top-up premiums once paid cannot be withdrawn from the unit fund for a period of 5 years from the date of payment of Top-up premium except in case of complete surrender of the policy. ... Partial withdrawals are allowed only after fifth policy anniversary only when the policy is in force. ... Partial withdrawals are not allowed on policies issued to minor lives, until the minor life assured attains an age of 18 years. ... No Partial withdrawals are allowed which would result into termination of policy. ... Partial withdrawals shall not be allowed during the settlement period. ... Loans: No loans are granted under the policy.","sources":[{"clause":null,"heading":"F2. Suicide clause","page":17,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-f2-suicide-clause"},{"clause":null,"heading":"OPTIONS UNDER THE PLAN","page":10,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-options-under-the-plan"},{"clause":"1.1(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-1-1-ii"},{"clause":"6","heading":null,"page":20,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-6"}],"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 Shriram Life customer care or the Grievance Redressal Officer. If not satisfied with the response or no response is received within 14 days, the policyholder may approach IRDAI's grievance cell and then the Insurance Ombudsman.","display":"Customer care / Grievance Redressal Officer first; IRDAI if no satisfactory response within 14 days; then Insurance Ombudsman","note":null,"quote":"In case you have any Query, Complaint or Grievances You can also contact our Customer care on our Toll free no: 1800-3000-6116/1800-103-6116 & through email id: customercare@shriramlife.in Grievance Redressal Officer, Shriram Life Insurance Company Limited, Regd Office: Plot no 31-32, Ramky Selenium Financial district, Gachibowli Hyderabad, Telangana - 500032 Contact No: 040-23009400 Email Id: grievance.redressal@shriramlife.in If you are not satisfied with the response or do not receive a response from us within 14 days, you may approach the Grievance Cell of the Insurance Regulatory and Development Authority of India (IRDAI). ... In case you are not satisfied with the decision or resolution of the company, you may approach the Insurance Ombudsman at the address given below,","sources":[{"clause":"Part G","heading":"Complaints and grievances","page":22,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-g"}],"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":null,"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":"If the life assured dies during the policy term, Option I pays sum assured plus top-up sum assured, if any, plus fund value and the policy terminates. Option II pays the higher of sum assured less partial withdrawals or base premium fund value, plus the higher of top-up sum assured or top-up premium fund value, and the policy terminates; under both options the minimum death benefit is at least 105% of total premiums paid.","display":"Option I: sum assured plus top-up sum assured plus fund value. Option II: higher of sum assured less partial withdrawals or base premium fund value, plus higher of top-up sum assured or top-up fund value. Minimum death benefit 105% of total premiums paid","note":null,"quote":"C1. Death Benefit: In case of death of Life Assured during the policy term\nOption I Sum Assured Plus top-up sum assured (if any), plus fund value where fund value is total of base premium fund value and top up premium fund value, will be paid to the nominee or beneficiary and the policy will be terminated.\nOption II Higher of\n• Sum Assured ( less partial withdrawals# )\n• Base premium fund value plus Higher of\n• Top-up Sum Assured\n• Top-up premium fund value will be paid to the nominee or beneficiary and the policy will be terminated\nUnder both the options the minimum death benefit shall be at least 105% of the total premiums paid.","sources":[{"clause":null,"heading":"BENEFITS PAYABLE UNDER THIS PLAN","page":8,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-benefits-payable-under-this-plan"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival of the life assured to the end of the policy term, the total fund value is payable, where total fund value is the sum of base premium fund value and top-up premium fund value, if any.","display":"Total fund value at end of policy term","note":null,"quote":"Maturity Benefit: On survival of the Life Assured up to the end of the policy term, the total Fund Value will be payable where fund value is total of base premium fund value and Top up premium fund value, if any. ... Total fund value is the sum of base premium fund value and top-up premium fund value.","sources":[{"clause":"1.1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-1-1"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying term can be single premium, limited premium for 6 years, or regular premium for the same term as the policy term.","display":"Single premium; limited premium 6 years; regular premium same as policy term","note":"From the sales brochure.","quote":"Premium Paying Term | Limited – 6 Years Regular – Same as policy term Single - Single","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15955#c-s1"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The maximum maturity age under the plan is 70 years age last birthday.","display":"70 years age last birthday","note":null,"quote":"The maximum maturity age under the plan is 70 years age last birthday.","sources":[{"clause":null,"heading":"F2. Suicide clause","page":17,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-f2-suicide-clause"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death due to suicide occurs within 12 months from the date of commencement of the policy or from the date of revival, the nominee or beneficiary is entitled to the fund value available on the date of intimation of death. Any charges other than fund management charges recovered after the date of death are added back to that fund value.","display":"Within 12 months from commencement or revival: fund value as on date of intimation of death, with non-FMC charges recovered after death added back","note":null,"quote":"In case of death due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable the nominee or the beneficiary of the policyholder shall be entitled to the fund value, as available on the date of intimation of death. Further, any charges other than Fund Management Charges (FMC) recovered subsequent to the date of death shall be added back to the fund value as available on the date of intimation of death.","sources":[{"clause":null,"heading":"F2. Suicide clause","page":17,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-f2-suicide-clause"}],"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":"After the 5-year lock-in period, the fund value as on the date of surrender is paid immediately. If complete withdrawal is chosen during the 5-year lock-in period, the fund value is transferred to the discontinued policy fund after applicable discontinuance charge and proceeds become payable at the end of the lock-in period.","display":"After lock-in: fund value on surrender date paid immediately. During 5-year lock-in: fund value moves to discontinued policy fund after charge, payable at end of lock-in","note":null,"quote":"If the policyholder chooses complete withdrawal during the lock-in-period of 5 years from the date of commencement of the policy, the policyholder’s fund value will be transferred to discontinued policy fund after deducting applicable discontinuance charge and the proceeds of the discontinued policy shall become payable at the end of lock-in period. ... Upon surrender of the policy (after lock-in-period) the fund value as on the date of surrender will be paid to the policyholder immediately.","sources":[{"clause":null,"heading":"D5. Discontinuance","page":11,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-d5-discontinuance"},{"clause":"Part F","heading":"Terms & Conditions","page":17,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-f"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"For discontinuance after the lock-in period, the policy is converted into a paid-up policy with paid-up sum assured equal to number of premiums paid divided by total number of premiums payable multiplied by sum assured. It continues in reduced paid-up status without rider cover, with mortality charges based on the reduced paid-up sum assured.","display":"After lock-in discontinuance: reduced paid-up policy; paid-up sum assured = (number of premiums paid / total number of premiums payable) × sum assured; no rider cover","note":null,"quote":"In case of discontinuance of policy after the lock in period, the policy shall be converted into a paid up policy and continue on paid up basis with paid up sum assured. Paid up sum assured= (Number of premiums paid/ Total number of premiums payable)* sum assured\nAll charges applicable for an in force policy shall continue to levy on the paid up policy. The mortality charges shall be deducted based on the reduced paid up sum assured only. The policy shall continue to be in reduced paid-up status without rider cover, if any.","sources":[{"clause":"1.1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-1-1"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The revival period is three consecutive complete years from the date of first unpaid premium. On revival, unpaid premiums are collected without interest or fee, subject to the policy terms and underwriting policy.","display":"3 consecutive complete years from the date of first unpaid premium","note":null,"quote":"“Revival Period” means the period of three consecutive complete years from the date of first unpaid premium during which period the policyholder is entitled to revive the policy which was discontinued due to the non- payment of premium. ... At the time of revival, all due and unpaid premiums will be collected without charging any interest or fee.","sources":[{"clause":null,"heading":"B44.Prospectus","page":7,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-b44-prospectus"},{"clause":"1.1(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-1-1-ii"}],"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":"No loans are granted under the policy.","display":"No loans","note":null,"quote":"Loans: No loans are granted under the policy.","sources":[{"clause":"6","heading":null,"page":20,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-6"}],"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":["Shriram Accidental Death & Disability Rider - 128A012V01","Shriram Accidental Death & Disability Income Rider -128A013V01","Shriram Critical Illness Care Rider -128A014V02"],"display":"Shriram Accidental Death & Disability Rider - 128A012V01; Shriram Accidental Death & Disability Income Rider -128A013V01; Shriram Critical Illness Care Rider -128A014V02","note":"From the sales brochure.","quote":"Riders:\nThe following riders are available for this plan.\n• Shriram Accidental Death & Disability Rider - 128A012V01\n• Shriram Accidental Death & Disability Income Rider -128A013V01\n• Shriram Critical Illness Care Rider -128A014V02","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15955#c-s1"}],"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 three years from the later of policy issuance, commencement of risk, revival or rider date. Within three years it may be called in question on the ground of fraud, with written communication of the grounds and materials.","display":"Cannot be called in question after 3 years; within 3 years may be called in question for fraud with written grounds and materials","note":null,"quote":"No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e. from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud. Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based.","sources":[{"clause":"6(e)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-6-e"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"conflicting","value":{"unit":"days","amount":30},"display":"30 days","note":"The policy document says 30 days. The lower-priority brochure says: 'The policy holder has a period 15 days from the date of receipt of the policy document to review the terms and conditions of the policy'.","quote":"The policyholder has a period of 30 days from the date of receipt of the policy document, whether received electronically or otherwise, to review the terms and conditions of the policy ... The policy holder has a period 15 days from the date of receipt of the policy document to review the terms and conditions of the policy","sources":[{"clause":"1.1(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-1-1-ii"},{"clause":null,"heading":"Grace period","page":10,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15955#c-grace-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for yearly premium; 15 days for monthly premium; not applicable for single premium","note":"Monthly mode has 15 days. Single premium policies have no grace period.","quote":"For single premium policies: Not applicable. For regular and limited premium payment policies: The grace period is 30 days for payment of yearly premium and 15 days for payment of monthly premium from the due date of premium. If death occurs during this period, the policy will be treated as in force policy and the death benefit shall become payable.","sources":[{"clause":null,"heading":"C3. Grace period","page":10,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-c3-grace-period"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The minimum age at entry is 30 days and the maximum age at entry is 60 years age last birthday.","display":"30 days to 60 years age last birthday","note":null,"quote":"The minimum age at entry for this plan is 30 days and the maximum age at entry is 60 years age last birthday.","sources":[{"clause":null,"heading":"F2. Suicide clause","page":17,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-f2-suicide-clause"}],"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","Monthly (on NACH mode only.)"],"display":"Yearly and Monthly (on NACH mode only.)","note":"From the sales brochure.","quote":"Premium Payment Frequency | Regular/Limited: Yearly and Monthly (on NACH mode only.)","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15955#c-s1"}],"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","Limited","Regular"],"display":"Single, Limited and Regular","note":"From the sales brochure.","quote":"Choice of Premium Paying Term – Single, Limited, Regular","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15955#c-s1"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 years","note":null,"quote":"Lock-in Period: “Lock-in Period” means the period of five consecutive completed years from the date of commencement of the policy, during which period the proceeds of the discontinued policies cannot be paid by the insurer to the policyholder or to the insured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the policy.","sources":[{"clause":null,"heading":"B33.Lock-in Period","page":6,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-b33-lock-in-period"}],"law":[{"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 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-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 1.22 to 1.24","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)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Preserver - Risk : Low","Maximus - Risk : High","Accelerator - Risk : Very high","Tyaseer - Risk : Very high","Balancer - Risk : Moderate"],"display":"Preserver (Low), Maximus (High), Accelerator (Very high), Tyaseer (Very high), Balancer (Moderate)","note":"The discontinued policy fund is described separately for discontinued policies and is not listed here as a chosen investment fund.","quote":"A. Preserver (SFIN:ULIF01507/01/10PRSERVRFND128) Investment objective of the fund is to provide accumulation of income through fixed income securities. Asset allocation Debt (govt and corporate bonds): 80% to 100% Money market/Liquid/Cash : 0% to 20% Risk : Low\nB. Maximus (SFIN:ULIF00301/07/06MAXIMUSFND128) Investment objective of the fund is to provide combination of capital appreciation through investment in quality equity and accumulation of income through investment in fixed income securities. ... Risk : High\nC. Accelerator (SFIN: ULIF00401/03/07ACCELRATOR128) Investment objective of the fund is to provide combination of capital appreciation through investment in high quality equity Asset allocation\nEquity | : 90% to 100%\nMoney market/Liquid/Cash | : 0% to 10%\nRisk : Very high\nD. Tyaseer(SFIN:ULIF01401/09/09TYASEERFND128) Investment objective of the fund is to provide combination of capital appreciation through investment in high quality pure equity Asset allocation\nEquity | : 90% to 100%\nMoney market/Liquid/Cash | : 0% to 10%\nRisk : Very high ... F. Balancer (SFIN:ULIF01707/01/10BALANCRFND128 ... Risk : Moderate","sources":[{"clause":"Part E","heading":"Charges under the Plan","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-e-4"},{"clause":null,"heading":"F. Balancer (SFIN:ULIF01707/01/10BALANCRFND128","page":16,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-f-balancer-sfin-ulif01707-01-10balancrfnd128"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"For regular and limited premium policies, premium allocation charge is 6.25%, 4.75% or 3.25% in year 1 depending on premium size; 4.50%, 3.5% or 2.5% in years 2 and 3; 4.25%, 3.25% or 2.25% in years 4 and 5; and 1% from year 6 onward. For single premium policies it is 4.50%, 3% or 2% in year 1 depending on premium size, and top-up premiums have a 2% charge.","display":"Regular/limited: year 1 6.25%/4.75%/3.25%, years 2-3 4.50%/3.5%/2.5%, years 4-5 4.25%/3.25%/2.25%, year 6+ 1%; single year 1 4.50%/3%/2%; top-up 2%","note":null,"quote":"For Regular and limited premium policies (as a percentage of annualised premium)\nYear | < 1,00,000 | 1,00,000 – 1,99,999 | 2,00,000 and above ... 1 | 6.25% | 4.75% | 3.25%\n2 and 3 | 4.50% | 3.5% | 2.5%\n4 and 5 | 4.25% | 3.25% | 2.25%\nYear 6 + | 1% | 1% | 1% ... For single Premium policies: (as a percentage of single premium)\nYear | <2,00,000 | 2,00,000 – 4,99,999 | 5,00,000 and above\n1 | 4.50% | 3% | 2%\nFor top-up premiums: 2% of top premium","sources":[{"clause":"Part E","heading":"Charges under the Plan","page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-e"},{"clause":"Row 1","heading":"6.25%","page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-row-1"},{"clause":"Part E","heading":"Charges under the Plan","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-e-2"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"The monthly policy administration charge is 0.10% of annualised premium for regular and limited premium policies for both annual and monthly modes, and 0.09% of single premium for the first 9 years and nil thereafter for single premium policies. It increases by 5% per annum on every policy anniversary and shall not exceed Rs. 500 per month.","display":"Monthly: regular/limited 0.10% of annualised premium; single 0.09% of single premium for first 9 years, nil thereafter; increases 5% p.a.; cap Rs. 500 per month","note":null,"quote":"Policy admin charge per month:\nRegular and Limited premium policies | Single premium policies\n0.10% of annualised premium for both annual and monthly modes | 0.09% of single premium for first 9 years and nil thereafter\nThe policy administration charges are increased by 5% p.a. on every policy anniversary. The policy administration charge shall not exceed Rs. 500 per month.","sources":[{"clause":"Part E","heading":"Charges under the Plan","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-e-2"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund management charge is levied daily by adjusting NAV. The printed annual charges are Preserver 125%, Balancer 1.35%, Maximus 1.35%, Accelerator 1.35%, Tyaseer 1.35% and Discontinued Policy Fund 0.50%.","display":"Preserver 125% p.a.; Balancer, Maximus, Accelerator and Tyaseer 1.35% p.a.; Discontinued Policy Fund 0.50% p.a.","note":"The policy wording prints Preserver as '125%'.","quote":"E4. Fund Management Charges: This charge will be levied on daily basis on the unit fund by adjusting the daily NAV.\nFund | FMC p.a\nPreserver | 125%\nbalancer | 1.35%\nMaximus | 1.35%\nAccelerator | 1.35%\nTyaseer | 1.35%\nDiscontinued Policy Fund | 0.50%","sources":[{"clause":"Part E","heading":"Charges under the Plan","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-e-2"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charges are charged on sum at risk at the beginning of each policy month by cancelling units, until claim by maturity or death, discontinuance or surrender. They are age-specific and increase each year as the life assured's age increases.","display":"Monthly charge on sum at risk by cancellation of units; age-specific and increases each year","note":null,"quote":"E3. Mortality Charge: Mortality charges will be charged on Sum at Risk at the beginning of each policy month by cancelling requisite number of units from the policyholder’s unit fund till the policy becomes a claim (by maturity or death) or discontinued or surrendered. Sum at risk is mentioned below. These charges are age specific and increase each year as age of the life assured increases. Sum at Risk= Death benefit minus total fund value; where death benefit and total fund values are as mentioned above.","sources":[{"clause":"Part E","heading":"Charges under the Plan","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-e-2"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"For regular or limited premium policies, discontinuance charges in policy years 1 to 4 are the lower of specified percentages of annualised premium or fund value, subject to caps, and are nil from year 5 onwards. For single premium policies, discontinuance charges in policy years 1 to 4 are the lower of specified percentages of single premium or fund value, subject to caps, and are nil from year 5 onwards; there is no discontinuance charge on top-up fund value.","display":"Regular/limited: year 1 lower of 20% capped Rs.3000 or 6% capped Rs.6000; year 2 lower of 15% capped Rs.2000 or 4% capped Rs.5000; year 3 lower of 10% capped Rs.1500 or 3% capped Rs.4000; year 4 lower of 5% capped Rs.1000 or 2% capped Rs.2000; year 5 onwards Nil. Single premium: year 1 lower of 2% capped Rs.3000 or 1% capped Rs.6000; year 2 lower of 1.5% capped Rs.2000 or 0.70% capped Rs.5000; year 3 lower of 1% capped Rs.1500 or 0.50% capped Rs.4000; year 4 lower of 0.5% capped Rs.1000 or 0.35% capped Rs.2000; year 5 onwards Nil","note":null,"quote":"For Regular/limited premium policies:\nA.P. – Annualised Premium, F.V. – Fund Value\nWhere the policy is discontinued during the policy year | Discontinuance Charges for the policies having annualized premium up to Rs.50,000/- | Discontinuance Charges for the policies having annualized premium above Rs.50,000/- ... 1 | Lower of 20% * (AP or FV) subject to a maximum of Rs. 3000 | Lower of 6% * (AP or FV) subject to a maximum of Rs. 6000 ... 2 | Lower of 15% * (AP or FV) subject to a maximum of Rs. 2000 | Lower of 4% * (AP or FV) subject to a maximum of Rs. 5000 ... 3 | Lower of 10% * (AP or FV) subject to a maximum of Rs. 1500 | Lower of 3% * (AP or FV) subject to a maximum of Rs. 4000 ... 4 | Lower of 5% * (AP or FV) subject to a maximum of Rs. 1000 | Lower of 2% * (AP or FV) subject maximum of Rs. 2000\n5 and onwards | Nil | Nil ... For Single premium policies:\nWhere the policy is discontinued during the policy year | Discontinuance Charges for the policies having Single Premium up to Rs.3,00,000/- | Discontinuance Charges for the policies having Single Premium above Rs.3,00,000/- ... 1 | Lower of 2% *(SP or FV) subject to a maximum of Rs.3000/- | Lower of 1% *(SP or FV) subject to a maximum of Rs.6000/- ... 2 | Lower of 1.5% *(SP or FV) subject to a maximum of Rs. 2000/- | Lower of 0.70% *(SP or FV) subject to a maximum of Rs. 5000/- ... 3 | Lower of 1% *(SP or FV) subject to a maximum of Rs.1500/- | Lower of 0.50%* (SP or FV) subject to a maximum of Rs. 4000/- ... 4 | Lower of 0.5% *(SP or FV) subject to a maximum of Rs. 1000/- | Lower of 0.35% *(SP or FV) subject to a maximum of Rs. 2000/-\n5 and onwards | Nil | Nil ... There is no discontinuance charge on top-up fund value.","sources":[{"clause":"Part E","heading":"Charges under the Plan","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-e-2"},{"clause":"Row 1","heading":"Lower of 20% * (AP or FV) subject to a maximum of Rs. 3000","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-row-1-2"},{"clause":"Row 2","heading":"Lower of 15% * (AP or FV) subject to a maximum of Rs. 2000","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-row-2"},{"clause":"Row 3","heading":"Lower of 10% * (AP or FV) subject to a maximum of Rs. 1500","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-row-3"},{"clause":"Row 4","heading":"Lower of 5% * (AP or FV) subject to a maximum of Rs. 1000","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-row-4"},{"clause":"Part E","heading":"Charges under the Plan","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-e-3"},{"clause":"Row 1","heading":"Lower of 2% *(SP or FV) subject to a maximum of Rs.3000/-","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-row-1-3"},{"clause":"Row 2","heading":"Lower of 1.5% *(SP or FV) subject to a maximum of Rs. 2000/-","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-row-2-2"},{"clause":"Row 3","heading":"Lower of 1% *(SP or FV) subject to a maximum of Rs.1500/-","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-row-3-2"},{"clause":"Row 4","heading":"Lower of 0.5% *(SP or FV) subject to a maximum of Rs. 1000/-","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-row-4-2"},{"clause":"Part E","heading":"Charges under the Plan","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-e-4"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"The policyholder can switch units from one fund to another during the policy term and fund switching charges are nil. Partial withdrawals are allowed only after the fifth policy anniversary when the policy is in force, with a minimum of Rs.10, 000 each time; one partial withdrawal is free during the policy term and later partial withdrawals cost Rs.250/-, while at least 25% of total base premiums paid must remain in the base premium unit fund.","display":"Switches allowed during policy term; switching charge Nil. Partial withdrawals after fifth policy anniversary only if in force; minimum Rs.10, 000; one free, then Rs.250/-; 25% of total base premiums paid must remain","note":"Partial withdrawals are not allowed for policies issued to minor lives until the minor life assured attains age 18, and are not allowed during the settlement period.","quote":"D3. Switching: The Policyholder can switch units from one fund to another fund out of the funds mentioned above, during the policy term. ... E5. Fund Switching charges: Nil ... Partial withdrawals are allowed only after fifth policy anniversary only when the policy is in force. The minimum partial withdrawal each time should be at least Rs.10, 000.\n2. Only one partial withdrawal is allowed at free of charge during the policy term. For every subsequent partial withdrawal, a partial withdrawal charge of Rs.250/- will be levied on the unit fund at the time of partial withdrawal\n3. After any partial withdrawal, at least an amount equal to 25% of the total base premiums paid till date should be available in the base premium unit fund.","sources":[{"clause":null,"heading":"OPTIONS UNDER THE PLAN","page":10,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-options-under-the-plan"},{"clause":"Part E","heading":"Charges under the Plan","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-part-e-2"},{"clause":"1.1(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969#c-1-1-ii"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy document","pages":26,"fetched_at":"2026-10-17 20:01:50+00","source_url":"https://cdn.shriramlife.com/slic-kalam/files/2026-03/policy_document_offline_growth-plus-v04.pdf?VersionId=E45CGbblue5GW8xw8LbwQ7SvikjsrFtZ","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15969"},{"kind":"wording","label":"Shriram Life Growth Plus (IRDAI copy)","pages":17,"fetched_at":"2026-10-20 02:54:53+00","source_url":"https://irdai.gov.in/documents/37343/563751/128L066V01_2016-17.pdf/549d77e6-e717-0f03-6eed-af3a6b94c896?version=1.1&t=1667465647564&download=true","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/29768"},{"kind":"brochure","label":"Presentation","pages":14,"fetched_at":"2026-10-17 20:01:23+00","source_url":"https://cdn.shriramlife.com/slic-kalam/files/2026-03/website-ppt-growth-plus-v04.pdf?VersionId=Hd8zNX2CK5jvURDT_7UO3FLhbM479lPL","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04/document/15955"}],"versions":[{"uin":"128L066V01","version":null,"approved_on":null},{"uin":"128L066V04","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Shriram Life Insurance official website","url":"https://www.shriramlife.com/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Claim centre","url":"https://www.shriramlife.com/services/claim-centre","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://www.shriramlife.com/services/grievance-redressal","note":null},{"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."},{"purpose":"renew","kind":"insurer","name":"Renewal payment options","url":"https://www.shriramlife.com/services/renewal-payment-options-online","note":null}],"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":"Shriram Life Growth Plus (UIN 128L066V04), IndiaInsurances, https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-growth-plus-128l066v04"}