{"uin":"128N126V02","name":"Shriram Life Sunishchit Laabh","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02","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":"2024-09-30","withdrawn_on":null,"summary":"Shriram Life Sunishchit Laabh is a non-linked non-participating individual savings life plan with limited premiums and two life cover options. It offers Income Plus or Income Pro maturity payouts for 10 to 40 years, with entry ages from 30 days to 60 years and a 30-day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:45:54.815442+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The brochure names life cover options, maturity payout options and sum assured variants, but not named plans inside the product.","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":"For PPT 7 to 10 years, the policy term is 11 years. For PPT 15 to 25 years, the policy term is PPT plus 1 year.","display":"11 years for PPT 7 to 10 years; PPT+1 year for PPT 15 to 25 years","note":"From the sales brochure.","quote":"Policy Term | For PPT 7 to 10 years – 11 years\nFor PPT 15 to 25 years – PPT+1 year","sources":[{"clause":null,"heading":"Eligibility Criteria","page":5,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-eligibility-criteria-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The brochure states a 7-day processing time for free-look cancellation refunds, not for claim settlement.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["death due to suicide within 12 months","In case of a lapsed policy, all the benefits shall cease and nothing is payable on death, maturity or surrender.","With Life Option, the Death benefit is payable only during the policy term and is not applicable after maturity during income payout period.","In case of death of the minor life assured during the first policy year, the total premiums paid will be refunded and the policy will be terminated."],"display":"Suicide within 12 months has restricted payout; lapsed policies pay nothing; Life Option death benefit is not applicable after maturity during income payout period; minor death in first policy year refunds premiums","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 a lapsed policy, all the benefits shall cease and nothing is payable on death, maturity or surrender. ... With Life Option, the Death benefit is payable only during the policy term and is not applicable after maturity during income payout period. ... In case of death of the minor life assured during the first policy year, the total premiums paid will be refunded and the policy will be terminated.","sources":[{"clause":null,"heading":"Suicide Exclusion","page":16,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-suicide-exclusion"},{"clause":null,"heading":"LAPSE","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-lapse"},{"clause":null,"heading":"Yr 0","page":11,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-yr-0"},{"clause":null,"heading":"Minor Lives","page":16,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-minor-lives"}],"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":"Complaints can be made to Shriram Life customer care or the Grievance Redressal Officer. The brochure gives toll-free 1800-103-6116, customercare@shriramlife.in, Grievance Redressal Officer 040-23009400 and grievance.redressal@shriramlife.in.","display":"Customer care or Grievance Redressal Officer: 1800-103-6116, customercare@shriramlife.in, 040-23009400, grievance.redressal@shriramlife.in","note":null,"quote":"You can always reach us at:\nToll-Free Numbers: 1800-103-6116 | Email--customercare@shriramlife.in Grievance Redressal Officer: 040-23009400 | Email: grievance.redressal@shriramlife.in","sources":[{"clause":null,"heading":"Grievance Redressal","page":17,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-grievance-redressal"}],"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":"Minimum sum assured is Rs. 2,10,000. Maximum is no limit, subject to board-approved underwriting policy, and the death sum assured option may be 7 times or 10 times the annualised premium.","display":"Minimum Rs. 2,10,000; maximum no limit subject to underwriting; 7 or 10 times annualised premium variants","note":"From the sales brochure.","quote":"Sum Assured | Minimum: 2,10,000$\nMaximum: No limit, subject to Board approved underwriting policy $with Death Sum Assured option of 7 x Annualized Premium ... • 7 times of annualised premium\n• 10 times of annualised premium","sources":[{"clause":null,"heading":"Eligibility Criteria","page":5,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-eligibility-criteria-2"},{"clause":null,"heading":"SUM ASSURED VARIANTS","page":6,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-sum-assured-variants"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"During the policy term, Death Sum Assured is paid if all due premiums till death have been paid. Under Life Option it is paid immediately in lump sum and the policy terminates; under Life Plus it is paid in monthly instalments, future premiums are waived if death occurs during premium payment, and maturity benefits continue.","display":"Life Option: Death Sum Assured immediately in lump sum; Life Plus: monthly instalments with waiver of future premiums and continuing maturity benefits","note":"Death Sum Assured is defined as higher of 7 or 10 times annualised premium, 105% of total premiums paid till death, or surrender value on the date of death.","quote":"In case of death of the life assured during the policy term, provided all the due premiums till the date of death have been paid, Death Sum Assured will be paid to the nominee or beneficiary as follows. ... The death sum assured will be paid immediately in lump sum and the policy will be terminated. ... In case of death during the policy term, the death sum assured will be paid in monthly instalments if all due premiums have been paid. After the policy term ends, the Guaranteed Maturity Income will continue to be paid, along with Loyalty Additions, under the Income Plus or Income Pro (with return of premium) options . ... If death occurs during premium payment, remaining premiums will be waived.","sources":[{"clause":null,"heading":"BENEFITS UNDER THE PLAN","page":7,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-benefits-under-the-plan"},{"clause":"1","heading":"Life Option","page":7,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-1"},{"clause":"2","heading":"Life Plus Option","page":7,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-2"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival to the end of the policy term with all due premiums paid, maturity benefit is paid according to the chosen Income Plus or Income Pro option over the selected payout period. Income Plus pays Level Guaranteed Maturity Income; Income Pro pays Guaranteed Maturity Income for the payout term less 1 year and returns total premiums paid as the last maturity payout, with loyalty additions.","display":"Income Plus: guaranteed maturity income with loyalty additions; Income Pro: guaranteed maturity income for payout term less 1 year plus return of total premiums paid as last payout","note":"Maturity benefit payout period chosen at inception varies from 10 to 40 years in multiples of 5 years.","quote":"In case of your survival until the end of the policy term and all due premiums have been paid, the maturity benefit will be paid out according to the chosen maturity benefit payout option - either the Income Plus option or the Income Pro option - over the selected payout period. ... With Income Plus option, the maturity benefit is paid as a Level Guaranteed Maturity Income# in the form of regular income throughout the payout period. ... With Income Pro option, the maturity benefit is paid as a Guaranteed Maturity Income# in the form of regular income throughout the chosen payout term less 1 year, and total premiums paid@ is returned as the last maturity payout.","sources":[{"clause":null,"heading":"Death after the Policy Term","page":7,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-death-after-the-policy-term"},{"clause":null,"heading":"MATURITY BENEFIT PAYOUT OPTIONS","page":6,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-maturity-benefit-payout-options"},{"clause":null,"heading":"Income Pro","page":6,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-income-pro"}],"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 is 7 to 10 years in multiples of 1 year, or 15 to 25 years in multiples of 5 years.","display":"7 to 10 years in multiples of 1 year; 15 to 25 years in multiples of 5 years","note":"From the sales brochure.","quote":"Premium Paying Term (PPT) | 7 to 10 years (in multiple of 1 year)\n15 to 25 years (in multiple of 5 years)","sources":[{"clause":null,"heading":"Eligibility Criteria","page":5,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-eligibility-criteria-2"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 76 years. The maturity benefit payout term may continue up to a maximum age of 101 years.","display":"Maximum maturity age 76 years; maturity benefit payout up to maximum age 101 years","note":"From the sales brochure.","quote":"Maturity Age | Minimum: 18 years\n(age last birthday) | Maximum: 76 years ... Maturity Benefit Payout Term | 10 to 40 years\n(Choice to receive maturity benefit in multiples of 5 years up to a maximum age of 101 years)","sources":[{"clause":null,"heading":"Eligibility Criteria","page":5,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-eligibility-criteria-2"}],"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 receives 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: higher of 80% of total premiums paid till death or surrender value, if 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.","sources":[{"clause":null,"heading":"Suicide Exclusion","page":16,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-suicide-exclusion"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be surrendered after premiums have been paid for at least 1 year, and surrender value payable is the higher of GSV or SSV. GSV is acquired after at least two full years' premiums, while SSV becomes payable after completion of the first policy year if one full year's premium has been received.","display":"Surrender after at least 1 year; payable higher of GSV or SSV","note":null,"quote":"You have an option to surrender the policy after premiums have been paid for at least 1 year. ... The surrender value payable will be higher of GSV or SSV. ... The policy acquires guaranteed surrender value provided premiums for at least two full years have been paid. ... The Special Surrender Value (SSV) becomes payable after completion of the first policy year, provided one full year's premium has been received.","sources":[{"clause":null,"heading":"SURRENDER VALUE","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-surrender-value"},{"clause":null,"heading":"GUARANTEED SURRENDER VALUE (GSV)","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-guaranteed-surrender-value-gsv"},{"clause":null,"heading":"SPECIAL SURRENDER VALUE (SSV)","page":15,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-special-surrender-value-ssv"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If renewal premium remains unpaid after the grace period after the first policy year, and the first year's premium has been paid in full, the policy becomes reduced paid-up if it has acquired a surrender value. Death benefit and maturity benefit reduce proportionately.","display":"After first policy year with one year's premium paid, reduced paid-up if surrender value acquired; death and maturity benefits reduce proportionately","note":null,"quote":"In case the premium remains unpaid at the expiry of the Grace Period after the first policy year, provided that the premiums of the first year has been paid in full, the policy status will change to a reduced paid up policy if it has acquired a Surrender Value. ... Under the paid-up policy, all your benefits (i.e. Death benefit and Maturity benefit) will reduce proportionately.","sources":[{"clause":null,"heading":"PAYMENT OF PREMIUMS","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-payment-of-premiums"},{"clause":null,"heading":"LAPSE","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-lapse"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans are available after paying premiums for at least one full year, only during the policy term. The stated loan interest is 9% per year for FY 1st May 2025 to 30th April 2026, and the loan is subject to a maximum of 90% of surrender value for all policy years.","display":"Available after one full year's premium; only during policy term; 9% p.a.; maximum 90% of surrender value","note":null,"quote":"You can avail a loan under this policy after paying premiums for at least one full year. Loans are available only during the policy term and cannot be taken after the policy term completion. ... at just 9% per year during FY 1st may 2025 to 30th April 2026 compounding half-yearly ... shall be subject to maximum of 90% of Surrender Value for all policy years.","sources":[{"clause":null,"heading":"LOANS","page":16,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-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":"quote-verified","value":["Accident Benefit Rider (UIN 128B001V03)","Family Income Benefit Rider (UIN 128B002V03)","Shriram Life Critical Illness Plus Rider (UIN 128B016V02)","Shriram Extra Insurance Cover Rider (UIN 128B009V03)","Shriram Life Critical Illness Woman Rider- (UIN 128B032V01)"],"display":"Accident Benefit, Family Income Benefit, Critical Illness Plus, Extra Insurance Cover and Critical Illness Woman riders","note":"The same brochure also says a choice of 4 riders, but names these five riders. Riders are not allowed for POS & CPSC sales.","quote":"You can opt for these Riders by paying an additional premium. ... Accident Benefit Rider (UIN 128B001V03) ... Family Income Benefit Rider (UIN 128B002V03) ... Shriram Life Critical Illness Plus Rider (UIN 128B016V02) ... Shriram Extra Insurance Cover Rider (UIN 128B009V03) ... Shriram Life Critical Illness Woman Rider- (UIN 128B032V01)","sources":[{"clause":null,"heading":"ADDITIONAL PROTECTION THROUGH RIDERS","page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-additional-protection-through-riders"},{"clause":null,"heading":"HIGH PREMIUM INCENTIVES","page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-high-premium-incentives"},{"clause":null,"heading":"FEMALE LIFE INCENTIVES","page":13,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-female-life-incentives"}],"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":"After expiry of three years from the policy, commencement of risk, revival or rider, whichever is later, a life policy cannot be called in question on any ground. Within three years it may be questioned for fraud or for material misstatement or suppression, with written grounds and materials; for non-fraud repudiation, premiums collected are paid within ninety days.","display":"After 3 years no questioning on any ground; within 3 years for fraud or material misstatement/suppression with written grounds","note":null,"quote":"No policy of life insurance shall be called in question on any ground\nwhatsoever 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. ... 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. ... 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":"1","heading":"No policy of life insurance shall be called in question on any ground","page":19,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-1-2"},{"clause":"2","heading":"A policy of life insurance may be called in question at any time","page":19,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-2-2"},{"clause":"4","heading":"A policy of life insurance may be called in question at any time","page":19,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits may be available as per prevailing tax laws and are subject to changes; the brochure asks the customer to consult a tax advisor.","display":"Tax benefits may be available as per prevailing tax laws; consult tax advisor","note":null,"quote":"Tax Benefits may be available as per prevailing tax laws. Tax benefits are subject to changes according to the tax laws from time to time; please consult your tax advisor for details.","sources":[{"clause":null,"heading":"Tax Benefits","page":17,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-tax-benefits"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"The policyholder has a period of 30 days from the beginning of date of receipt of the policy document, whether received electronically or otherwise, to review the terms and conditions of the policy","sources":[{"clause":null,"heading":"TERMS & CONDITIONS","page":16,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-terms-conditions"}],"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":"GRACE PERIOD","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-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":"Minimum entry age is 30 days and maximum entry age is 60 years, age last birthday.","display":"Minimum 30 days; maximum 60 years","note":"From the sales brochure. For POS & CPSC, maximum entry age is 54 years.","quote":"Age at Entry | Minimum: 30 days\nMaximum: 60 years (age last birthday)","sources":[{"clause":null,"heading":"Eligibility Criteria","page":5,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-eligibility-criteria-2"}],"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 and Monthly","note":null,"quote":"We offer Half-yearly, Quarterly, and Monthly payment options in addition to the Yearly option","sources":[{"clause":null,"heading":"PAYMENT OF PREMIUMS","page":14,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-payment-of-premiums"}],"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":["Limited premium"],"display":"Limited premium","note":"The eligibility table shows the premium paying term is shorter than the policy term.","quote":"Premium Paying Term (PPT) | 7 to 10 years (in multiple of 1 year)\n15 to 25 years (in multiple of 5 years) ... Policy Term | For PPT 7 to 10 years – 11 years\nFor PPT 15 to 25 years – PPT+1 year","sources":[{"clause":null,"heading":"Eligibility Criteria","page":5,"url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972#c-eligibility-criteria-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"brochure","label":"Shriram Life Sunishchit Laabh (UIN – 128N126V02)","pages":20,"fetched_at":"2026-10-17 20:02:18+00","source_url":"https://cdn.shriramlife.com/slic-kalam/files/2026-03/shriram-life-sunischit-laabh-brochure-v02.pdf?VersionId=iWNIYmCS3WFNWvu22UF5a2UGTCQGKlf5","url":"https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02/document/15972"}],"versions":[{"uin":"128N126V01","version":null,"approved_on":null},{"uin":"128N126V02","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 Sunishchit Laabh (UIN 128N126V02), IndiaInsurances, https://indiainsurances.com/policy/shriram-life-insurance/shriram-life-sunishchit-laabh-128n126v02"}