{"uin":"128N093V04","name":"Shriram Life Early cash Plan","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04","insurer":{"slug":"shriram-life-insurance","name":"Shriram Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/shriram-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":"Product","kind":"product","status":"active","approved_on":"2022-05-17","withdrawn_on":null,"summary":"Shriram Life Early Cash Plan is a non-linked participating life individual savings plan with Early Cash and Super Growth options. Death benefit is Death Sum Assured plus accrued bonuses and terminal bonus if any, and maturity benefit depends on the option chosen.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:54:08.032052+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":["Early Cash Option","Super Growth Option"],"display":"Early Cash Option; Super Growth Option","note":null,"quote":"Early Cash Option: Basic Sum Assured plus terminal bonus, if any will be paid and the policy will be terminated. Super Growth Option: Basic Sum Assured plus accrued bonuses plus terminal bonus if any will be paid and the policy will be terminated","sources":[{"clause":null,"heading":"C1. Benefits payable under the various contingencies of the Plan","page":8,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-c1-benefits-payable-under-the-various-contingenc"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy schedule has a Policy Term field, but the product wording does not print the available policy term options or range.","quote":null,"sources":[],"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 it is beyond the control of the claimant.","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":"Part F(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-f-e-2"}],"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(s)","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 vehicle RC, driving license, if life assured was driving the vehicle","Hospital treatment records","Identity proof of Policyholder","Cancelled Cheque leaf or copy of Policyholder’s bank Passbook","NEFT mandate form","Duly filled discharge form"],"display":"Death claim: policy document, death certificate, nominee identity proof and cause-specific documents; maturity claim: policy document, policyholder identity proof, bank proof, NEFT mandate and discharge form","note":null,"quote":"F9. Documents required for making a death claim: i.Original policy document ... Proof of death/ Death certificate ... Identity proof of Nominee(s) ... Any other document depending on the cause of death and nature of claim. ... a) A certified copy of first information report (FIR). ... b) A certified copy of police inquest report. ... c) Post mortem report ... d) If death is due to vehicle accident, then copy of vehicle RC, driving license, if life assured was driving the vehicle. ... e) Hospital treatment records, etc.\nF10. Documents required for settlement of a maturity claim: i.Original policy document ii.Identity proof of Policyholder iii.Cancelled Cheque leaf or copy of Policyholder’s bank Passbook iv.NEFT mandate form v.Duly filled discharge form","sources":[{"clause":"Part F(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-f-e"},{"clause":"Part F(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-f-a-2"},{"clause":"Part F(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-f-b-2"},{"clause":"Part F(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-f-c-2"},{"clause":"Part F(d)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-f-d-2"},{"clause":"Part F(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-f-e-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":"quote-verified","value":"Death claims not requiring investigation are to be paid, rejected or repudiated within 15 days from receipt of the last required documents or clarifications. If investigation is needed, it is to be completed within 15 days from receipt of the last necessary document and the claim disposed within 30 days thereafter, not exceeding 45 days; survival and maturity payments are on the due date or receipt of the last necessary document, whichever is later.","display":"Death claim: 15 days from last required documents if no investigation; investigated claims within 45 days; survival/maturity on due date or last necessary document, whichever is later","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. ... 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. ... In respect of survival, maturity , annuity payments shall be paid on due date or receipt of last necessary document from the insured/claimant whichever is later.","sources":[{"clause":"Part F(e)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-f-e-i"},{"clause":"Part F(e)(iv)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-f-e-iv"}],"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":["death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy"],"display":"Suicide within 12 months is the only death-benefit exclusion; 80% of total premiums paid or surrender value, whichever is higher, is payable if the policy is in force","note":null,"quote":"In case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder 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 of death benefit, there are no exclusions other than suicide clause.","sources":[{"clause":null,"heading":"F3. Suicide Clause","page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-f3-suicide-clause"}],"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 if still not satisfied.","display":"First Shriram Life customer care or Grievance Redressal Officer; then IRDAI after 14 days/no satisfaction; then 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).","sources":[{"clause":"Part G","heading":"Complaints and grievances","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#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":"quote-verified","value":"Death Sum Assured is the highest of 10 times the annualized premium for age up to 50 years or 7 times the annualized premium for age above 50 years, the Sum Assured, and 105% of total premiums received till death. Basic Sum Assured is chosen by the policyholder at proposal.","display":"Death Sum Assured is highest of 10x annualized premium up to age 50 / 7x above age 50, Sum Assured, and 105% of total premiums received till death","note":null,"quote":"“Death Sum Assured” is defined as highest of\n• 10 times the Annualized Premium for age up to 50 years / 7 times the Annualized Premium for age above 50 years\n• Sum Assured\n• 105% of Total Premiums received till the date of death ... “Basic Sum Assured” is the sum assured which is chosen by the policyholder at the time of proposal.","sources":[{"clause":null,"heading":"C1. Benefits payable under the various contingencies of the Plan","page":8,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-c1-benefits-payable-under-the-various-contingenc"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"On death of the life assured during the policy term while the policy is in force, the nominee or beneficiary receives Death Sum Assured plus accrued bonuses, if any, plus terminal bonus, if any, and the policy terminates. The death benefit is at least 105% of total premiums received till the date of death.","display":"Death Sum Assured + accrued bonuses, if any + terminal bonus, if any; at least 105% of total premiums received till death","note":"For minor life assured, death during the first policy year or before attaining 18 years refunds total premiums paid and terminates the policy.","quote":"In case of death of the life assured during the policy term, provided the policy is in force,\n• Death Sum assured plus\n• Accrued Bonuses, if any plus\n• Terminal Bonus, if any will be paid to the nominee or beneficiary and the policy will be terminated. However, the Death Benefit will be at least 105% of Total Premiums received till the date of death ... In case of death of the minor life assured during the first policy year or before attaining 18 years, the total premiums paid will be refunded and the policy will be terminated.","sources":[{"clause":"Part C(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-c-a"},{"clause":null,"heading":"C3. Grace period and Lapse","page":9,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-c3-grace-period-and-lapse"}],"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":"Early Cash Option pays Basic Sum Assured plus terminal bonus, if any, on survival to the end of the policy term, provided the policy is in force. Super Growth Option pays Basic Sum Assured plus accrued bonuses plus terminal bonus, if any, on the same condition.","display":"Early Cash: Basic Sum Assured + terminal bonus, if any; Super Growth: Basic Sum Assured + accrued bonuses + terminal bonus, if any","note":null,"quote":"Early Cash Option: In case of survival of the life assured up to the end of the policy term provided the policy is in force, the Basic Sum Assured plus terminal bonus, if any will be paid. Super Growth Option: In case of survival of the life assured up to the end of the policy term provided the policy is in force, the Basic Sum Assured plus accrued bonuses plus terminal bonus, if any will be paid.","sources":[{"clause":"Part C(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-c-c"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The policy schedule has a Premium Payment Term field, but the wording does not print the available premium paying term options or range.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum age at maturity is 70 years for policy terms up to 20 years and 100 years for other policies of term equal to 100 minus age at entry.","display":"70 years for policy terms up to 20 years; 100 years for other policies of term equal to 100 minus age at entry","note":null,"quote":"Maximum age at maturity | 70 years for policy terms up to 20 years and 100 years for other policies of term equal to 100 minus age at entry","sources":[{"clause":null,"heading":"C6. Minimum /Maximum eligible entry and maturity ages","page":10,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-c6-minimum-maximum-eligible-entry-and-maturity-a"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from commencement of risk or revival, the nominee or beneficiary is entitled to 80% of total premiums paid till death or the surrender value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: 80% of total premiums paid till death or surrender value on death date, whichever is higher, if in force","note":null,"quote":"In case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to 80% of the total premiums paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force.","sources":[{"clause":null,"heading":"F3. Suicide Clause","page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-f3-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":"To get surrender value, the policyholder must have paid at least the first full policy year's premiums and completed the first policy year. Guaranteed Surrender Value is acquired after all due premiums for at least two full years have been paid; Special Surrender Value is acquired after completion of the first policy year if at least the first full policy year's premiums have been paid, and the company pays the higher of GSV or SSV.","display":"Surrender value after first full policy year's premiums and completion of first policy year; GSV after two full years; higher of GSV or SSV paid","note":null,"quote":"To get the surrender value, policyholder must have paid at least first full policy year's premium(s) and completed the first policy year. ... Policy will acquire a Guaranteed Surrender Value after all due premiums for at least two full years have been paid. ... The policy acquires Special Surrender Value after completion of first policy year only if at least first full policy year's premium(s) has been paid ... the company will pay the higher of GSV or SSV as surrender value.","sources":[{"clause":null,"heading":"D2. Surrender of your policy","page":11,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-d2-surrender-of-your-policy"},{"clause":"Part D(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-d-a"},{"clause":"Part D(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-d-b"}],"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":"Paid-up status applies if premiums are paid for at least 2 full years and later premiums are unpaid. The policy is kept in force to the extent of paid-up benefits: Paid up Death Sum Assured equals total premiums paid divided by total premiums payable times Death Sum Assured, and Paid up Sum Assured equals total premiums paid divided by total premiums payable times Basic Sum Assured.","display":"After at least 2 full years' premiums: reduced paid-up death and maturity benefits using total premiums paid / total premiums payable","note":null,"quote":"Paid - up is the status of the Policy, if the premiums are paid for at least 2 full years and subsequent due premium/s have not been paid. ... A policy which acquired a surrender value shall not lapse by reason of the non-payment of further premiums but shall be kept in-force to the extent of the paid-up benefits ... Where Paid up Death Sum Assured = (Total premiums paid/Total premiums payable) x Death Sum Assured ... Where Paid up Sum Assured = (Total premiums paid/Total premiums payable) x Basic Sum Assured","sources":[{"clause":null,"heading":"B37.Paid-up","page":6,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-b37-paid-up"},{"clause":null,"heading":"C3. Grace period and Lapse","page":9,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-c3-grace-period-and-lapse"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed or paid-up policy can be revived within five years from the date of first unpaid premium by paying all outstanding premiums with accrued interest and meeting other revival requirements under the company's underwriting policy.","display":"Within 5 years from the date of first unpaid premium, with outstanding premiums, accrued interest and revival requirements","note":null,"quote":"The lapsed policy or a paid up policy can be revived within the revival period of five years from the date of first unpaid premium by paying all the outstanding premiums due (from date of first unpaid premium to date of revival) with accrued interest till the date of payment of the due premiums along with other revival requirements, as per the Board approved underwriting policy of the Company.","sources":[{"clause":null,"heading":"D1. Revival of lapsed/paid-up policy","page":10,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-d1-revival-of-lapsed-paid-up-policy"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Policy loan is available up to 80% of surrender value. Interest accrues at a company-declared rate; current loan interest is 9% p.a. during 1st May 2025 to 30th April 2026, and outstanding loan with interest is recovered from policy proceeds.","display":"Maximum loan 80% of surrender value; loan interest 9% p.a. from 1st May 2025 to 30th April 2026","note":null,"quote":"The maximum loan allowable is 80% of surrender value. Interest will accrue on the outstanding loan balance at a rate declared by the Company from time to time. Any outstanding loan balance along with accrued interest will be recovered from policy proceeds before any benefit is paid on the policy. ... The loan interest is 9% p.a.during the period from 1st May 2025 to 30th April 2026.","sources":[{"clause":null,"heading":"D3. Loans","page":11,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-d3-loans"}],"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 wording refers to rider endorsement if a rider is opted, but does not name the riders available.","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 in question on any ground after three years from the policy date, date of commencement of risk, revival or rider, whichever is later. Within three years it may be called in question on the ground of fraud or material misstatement or suppression, with written communication of grounds and materials.","display":"After 3 years, no questioning on any ground; within 3 years, questioning for fraud or material misstatement/suppression","note":null,"quote":"(1) 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. ... (2) 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: ... (4) 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 that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made","sources":[{"clause":"Annexure III","heading":null,"page":21,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-annexure-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":"The wording mentions taxes/GST on premium, but does not state any 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 from receipt of the policy document","note":null,"quote":"The policy holder has a period of 30 days beginning from the date of receipt of the policy document, whether received electronically or otherwise, to review the terms and conditions of the policy.","sources":[{"clause":"Part D(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-d-b-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for non-monthly modes; 15 days for monthly mode","note":"Monthly mode has a 15-day grace period.","quote":"A grace period of 30 days is allowed for payment of due premium for non-monthly modes and 15 days for monthly mode.","sources":[{"clause":null,"heading":"C3. Grace period and Lapse","page":9,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-c3-grace-period-and-lapse"}],"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":"Minimum age at entry is 3 years age last birthday and maximum age at entry is 55 years age last birthday.","display":"Minimum 3 years age last birthday; maximum 55 years age last birthday","note":null,"quote":"Minimum age at entry | 3 years age last birthday\nMaximum age at entry | 55 years age last birthday","sources":[{"clause":null,"heading":"C6. Minimum /Maximum eligible entry and maturity ages","page":10,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-c6-minimum-maximum-eligible-entry-and-maturity-a"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Yearly","Half Yearly","Quarterly","Monthly"],"display":"Yearly, Half Yearly, Quarterly, Monthly","note":null,"quote":"The premiums can be paid in the following premium payment frequencies.\n• Yearly\n• Half Yearly\n• Quarterly\n• Monthly","sources":[{"clause":"Part C(e)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-c-e"}],"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":["Regular","Limited"],"display":"Regular/Limited","note":null,"quote":"Premium Type Regular/Limited","sources":[{"clause":null,"heading":"Policy Schedule","page":3,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-policy-schedule"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"quote-verified","value":"Sum Assured on death is guaranteed payable on death under the policy terms. Sum Assured on maturity is guaranteed payable on maturity and equals the sum assured chosen at inception; for Early Cash, the cash bonus rate is guaranteed at 2% of sum assured per annum for policy terms up to 20 years and 1% of sum assured for all other policies.","display":"Guaranteed death sum assured; guaranteed maturity sum assured equal to chosen sum assured; Early Cash cash bonus rate 2% p.a. up to 20 years and 1% for other policies","note":null,"quote":"Sum Assured on death (Death sum assured): Absolute amount which is guaranteed to become payable on death of the life assured in accordance with the terms & conditions of the policy ... Sum Assured on maturity (Guaranteed maturity sum assured): Absolute amount of benefit which is guaranteed to become ... payable on maturity of the policy. This is equal to the sum assured chosen by the policyholder at inception of the policy. ... The cash bonus rate is guaranteed at 2% of the sum assured per annum for policies having policy terms up to 20 years and 1% of the sum assured for all other policies.","sources":[{"clause":null,"heading":"B49.Sum Assured on death (Death sum assured)","page":6,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-b49-sum-assured-on-death-death-sum-assured"},{"clause":null,"heading":"B50.Sum Assured on maturity (Guaranteed maturity sum assured)","page":6,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-b50-sum-assured-on-maturity-guaranteed-maturity"},{"clause":null,"heading":"Shriram Life Early Cash Plan- UIN: 128N093V04 (Offline)","page":7,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-shriram-life-early-cash-plan-uin-128n093v04-offl-7"},{"clause":"Part C(b)","heading":"Survival Benefit","page":8,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-c-b"}],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"quote-verified","value":"This is a participating plan where policies share in the company's participating business through bonus declarations. Cash bonuses may be declared as a percentage of Basic Sum Assured and paid under Early Cash, bonuses under Super Growth accrue and become payable at policy end, death or surrender, and terminal bonus may be paid on death or maturity.","display":"Participating bonuses: cash bonus for Early Cash, accrued bonus for Super Growth, and possible terminal bonus","note":"Bonus rates may vary from year to year and terminal bonus is not guaranteed in the wording.","quote":"Policies will share in the experience of the Company’s participating business through the declaration of bonuses after conducting actuarial valuation exercise. Bonus rates may vary from year to year and will depend on actual experience and prevailing and expected economic conditions. ... At the end of each financial year throughout the policy term, the company may declare a cash bonus expressed as a percentage of the Basic Sum Assured as a cash/survival benefit and paid to the policyholder. ... Bonuses declared under super growth option shall be accrued under the policy and would become payable at the end of the policy term or on death or surrender, whichever is earlier. ... The Company may pay a Terminal Bonus on death or maturity.","sources":[{"clause":null,"heading":"D4. Bonus declaration","page":11,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-d4-bonus-declaration"},{"clause":null,"heading":"D5. Terminal Bonus","page":12,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-d5-terminal-bonus"}],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":"The forwarding letter lists a Benefit Illustration, but the provided wording does not print the illustrated returns at 4% and 8%.","quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"quote-verified","value":"Under Early Cash Option, cash bonus declared is paid as survival benefit and as regular income starting from the first policy year at the frequency chosen by the policyholder throughout the policy term, if the policy is in force. Survival benefits of cash bonus are not available under Super Growth Option.","display":"Early Cash: cash bonus paid from policy year 1 at chosen frequency throughout policy term; Super Growth: nil","note":null,"quote":"If the policyholder chooses the Early Cash Option, then cash bonus declared shall be paid as survival benefit as described below. In case of survival of the life assured, provided the policy is in force, cash bonus declared will be paid as regular income starting from the first policy year depending on the frequency chosen by the policyholder, throughout the policy term. ... The survival benefits of cash bonus is not available if the policyholder chooses the Super Growth option.","sources":[{"clause":"Part C(b)","heading":"Survival Benefit","page":8,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926#c-part-c-b"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy document","pages":22,"fetched_at":"2026-10-17 20:00:11+00","source_url":"https://cdn.shriramlife.com/slic-kalam/files/2026-04/policy_document_offline_ecp-v04.pdf?VersionId=LOe8HqdJSK560rPcDzwkgR1gaGIk9Hrq","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15926"},{"kind":"prospectus","label":"Prospectus","pages":25,"fetched_at":"2026-10-17 20:00:09+00","source_url":"https://cdn.shriramlife.com/slic-kalam/files/2026-04/ecp-brochure-with-db-definition.pdf?VersionId=717az7xrMskrbJd_IWObO9laSWoInVG_","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15945"},{"kind":"prospectus","label":"Prospectus","pages":8,"fetched_at":"2026-10-17 20:02:45+00","source_url":"https://cdn.shriramlife.com/slic-kalam/files/2025-11/shriram_life_step_up_rider_2.pdf?VersionId=nxJPBdLmTD1bP21NNAsE8bx1FIFKNkg1","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15988"},{"kind":"brochure","label":"Presentation","pages":4,"fetched_at":"2026-10-17 20:00:10+00","source_url":"https://cdn.shriramlife.com/slic-kalam/files/2026-04/ecp-leaflet-updated-db-definition.pdf?VersionId=ZnAjfml4cIxn6gGrEg.Pbf3KropxtPDp","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15923"},{"kind":"brochure","label":"Presentation","pages":11,"fetched_at":"2026-10-17 20:00:58+00","source_url":"https://cdn.shriramlife.com/slic-kalam/files/2026-07/nsl-v04-ppt-web.pdf?VersionId=G8HBYUF8N1A5vlzBpqTAfjwvFI_nk677","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15949"},{"kind":"brochure","label":"Presentation","pages":14,"fetched_at":"2026-10-17 20:01:49+00","source_url":"https://cdn.shriramlife.com/slic-kalam/files/2025-11/step-up_rider_ppt_0.pdf?VersionId=yK6LwTy2W8rYj8irXeXWkWj7U.P36yDT","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15968"},{"kind":"rider","label":"Endorsement","pages":2,"fetched_at":"2026-10-17 20:00:08+00","source_url":"https://cdn.shriramlife.com/slic-kalam/files/2025-11/endorsement_stepup_rider_0.pdf?VersionId=544QKcahaJAObJeKQ1B3w7AslHU2Obcm","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04/document/15925"}],"versions":[{"uin":"128N093V01","version":null,"approved_on":null},{"uin":"128B033V01","version":null,"approved_on":null},{"uin":"128N093V04","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 Early cash Plan (UIN 128N093V04), IndiaInsurances, https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-early-cash-plan-128n093v04"}