{"uin":"133N085V05","name":"Generali Central New Assured Wealth Plan (Non-POS Variant)","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05","insurer":{"slug":"generali-central-life-insurance","name":"Generali Central Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is an individual, non-linked, non-participating savings life insurance plan with death and maturity benefits, not a ULIP. It offers guaranteed additions from the 8th policy year, a 30-day free-look period, and surrender value after completion of the first policy year if one full year premium has been received.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:45:46.435688+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":["Option 1","Option 2","POS Variant (Option 1 only)"],"display":"Option 1, Option 2; POS variant offers Option 1 only","note":"From the sales brochures; the policy schedule also records the chosen option at inception.","quote":"The plan provides 2 flexible options to ensure that you have an ideal cover which is best suited to your savings goals. The option has to be chosen at inception and cannot be changed during the term of the policy ... This is a POS variant of ‘Generali Central New Assured Wealth Plan’ and only offers Option-1 of the aforementioned product.","sources":[{"clause":"1","heading":"Choose from 2 product options","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6197#c-1"},{"clause":null,"heading":"Why choose us?","page":19,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6199#c-why-choose-us"}],"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":"Non-POS policy terms are 12/16/18/20/25/30 years; POS policy terms are 12/16/18/20 years.","display":"12/16/18/20/25/30 years (Non-POS); 12/16/18/20 years (POS)","note":"From the sales brochures because the policy wording uses the policy schedule placeholders for the actual term.","quote":"Policy Term | 12/16/18/20/25/30 years ... Policy Term | 12/16/18/20 years","sources":[{"clause":null,"heading":"Life Insurance Plan Summary","page":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6197#c-life-insurance-plan-summary"},{"clause":null,"heading":"Life Insurance Plan Summary","page":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6199#c-life-insurance-plan-summary"}],"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 must be notified to the insurer in writing, and proof of death and appropriate documents must be furnished not later than 90 days from the date of death unless specified otherwise.","display":"Notify death in writing; documents not later than 90 days from death","note":"Late notification may be accepted at the company's discretion if the claimant proves delay beyond their control.","quote":"a) The death of the Life Assured must be notified to Us in writing\nb) Proof of death and any appropriate documents as required by Us must be completed and furnished to Us, not later than 90 days from the date of death of the Life Assured, unless specified otherwise.","sources":[{"clause":"4","heading":"Claims Procedures Payment of Death Benefits","page":27,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-4-5"}],"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","Original death certificate issued by the competent authority","Post mortem report / FIR, where applicable","Claim forms duly completed as required by Us","Certificate from physician/hospital last attended showing cause of death wherever applicable","Legal evidence of title of the claimant where no valid nomination or assignment exists or title is disputed","Proof of Age, if the Age has not been admitted earlier","Self-attested copy of the PAN Card or Form 60 of Claimant","KYC documents including photographs of the Claimant","Bank details with supporting documents of Claimant","For maturity: PAN/Form 60 and KYC, bank details, Original Policy bond, and other documents required under applicable laws"],"display":"Death claim: policy document, death certificate, claim forms, PAN/Form 60, KYC, bank details and other listed documents; maturity: PAN/Form 60, KYC, bank details, policy bond and required legal documents","note":"The insurer may call for additional documents if necessary.","quote":"c) The following documentation must necessarily be submitted to Us for Us to establish a death claim to Our satisfaction:\ni) Original Policy Document;\nii) Original death certificate issued by the competent authority;\niii) Post mortem report / FIR, where applicable;\niv) Claim forms duly completed as required by Us; ... viii) Self-attested copy of the PAN Card or Form 60 of Claimant\nix) KYC documents including photographs of the Claimant\nx) Bank details with supporting documents of Claimant ... a) The following documents need to be submitted to Us for payment of Maturity Benefits:\ni) Self attested copy of the PAN Card or Form 60 and KYC documents if not submitted already\nii) Bank details with supporting documents such as cancelled cheque or bank passbook\niii) Original Policy bond","sources":[{"clause":"Part F","heading":null,"page":28,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-part-f-5"},{"clause":null,"heading":"Payment of Maturity Benefits","page":28,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-payment-of-maturity-benefits"}],"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":"The CIS says claim requirements are raised within 10 days after lodging the claim, death claim decision is within 15 days for cases without investigation and within 45 days for cases with investigation.","display":"Requirements within 10 days; death claim decision within 15 days without investigation, 45 days with investigation","note":"From the CIS; the policy wording states the 90-day document submission rule but does not print these TATs.","quote":"Claims TAT 1. Raising claim requirements after lodging the claim- Within 10 days 2. Death claim decision for cases without investigation requirement- Within 15 days 3. Death claim decision for cases with investigation requirement- Within 45 days","sources":[{"clause":"Row 13","heading":"Claims / Claims Procedure","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6165#c-row-13"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide within 12 months from commencement of risk or revival: at least 80% of total premiums paid or surrender value, whichever is higher, if policy is in force","POS variant waiting period: within 90 days from commencement of risk, non-accidental death pays 100% of premiums paid excluding taxes and no Death Sum Assured"],"display":"Suicide exclusion; POS 90-day waiting period for non-accidental death","note":"The waiting-period exclusion is in the POS variant. The Non-POS wording states only the suicide exclusion.","quote":"a) Suicide Exclusion:\nIn case of death of Life Assured due to suicide within 12 months from the Date of Commencement of Risk of the Policy or from the date of revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the total premiums paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the Policy is in force. ... There is a 90 day waiting period from the Date of Commencement of Risk, within which, if Life Assured dies (other than due to accident), the Nominee will receive 100% of the premiums paid till the date of Insured Event, excluding taxes.","sources":[{"clause":"7(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-7-a"},{"clause":"Part F","heading":null,"page":30,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-part-f-7"}],"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 approach the Grievance Redressal Department or nearest branch. If the decision is not satisfactory, or there is no response within 10 days, contact the Grievance Redressal Officer at gro@generalicentral.com.","display":"Grievance Redressal Department first; then Grievance Redressal Officer if not satisfied or no response within 10 days","note":null,"quote":"a) In the event of any complaint/grievance under this Policy, a reference may be made to Our office at the following address giving the nature and full particulars of the grievance:- ... Generali Central Life Insurance Company Limited\nUnit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083 Email ID: care@generalicentral.com ... b) In case the decision of the above office is not satisfactory, or there is no response from the office within 10 days, the following official for resolution of the grievance may be contacted:- ... Email: gro@generalicentral.com","sources":[{"clause":"1(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-1-a"},{"clause":null,"heading":"Grievance Redressal Department","page":33,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-grievance-redressal-department"},{"clause":"1(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-1-b"},{"clause":null,"heading":"Grievance Redressal Officer","page":33,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-grievance-redressal-officer"}],"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":"Sum Assured under the product is equal to the total annualized premium payable under the policy, excluding taxes, rider premiums, underwriting extra premiums and modal loadings. The minimum Sum Assured is ₹90,000; maximum is as per board approved underwriting policy, with POS Death Benefit currently limited to ₹25,00,000.","display":"Minimum ₹90,000; maximum as per Board Approved underwriting policy; POS Death Benefit current limit ₹25,00,000","note":"From the sales brochure for product limits.","quote":"Sum Assured under this product is equal to the total Annualized Premium payable under the policy (excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any) ... Sum Assured | Minimum | ₹90,000\nMaximum | As per Board Approved underwriting policy. However, Death Benefit shall not exceed the maximum as defined in the POS regulations, circulars and clarifications thereof, as prescribed by the IRDAI from time to time. The Current limit is ₹25,00,000 (as on 29 Dec 2020)","sources":[{"clause":"Row 2(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6197#c-row-2-a"},{"clause":null,"heading":"Life Insurance Plan Summary","page":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6199#c-life-insurance-plan-summary"}],"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":"Option 1 pays Death Sum Assured plus accrued Guaranteed Additions, if any. Option 2 pays Death Sum Assured immediately and Sum Assured plus accrued Guaranteed Additions at the end of the Policy Term, with no premiums payable after death; Death Sum Assured is the higher of the death benefit multiple times annualized premium and 105% of total premiums paid. POS variant has a 90 day non-accidental death waiting period paying 100% of premiums paid excluding taxes instead of Death Sum Assured.","display":"Option 1: Death Sum Assured plus accrued Guaranteed Additions; Option 2: Death Sum Assured plus term-end Sum Assured and accrued Guaranteed Additions; POS has 90 day waiting-period rule","note":"Option 2 is in the Non-POS variant. The 90-day waiting-period rule is in the POS variant.","quote":"i) Option 1 Death Benefit payable shall be Death Sum Assured plus Accrued Guaranteed Additions, if any ... i) Death Benefit Multiple * Annualized premium (excluding the applicable taxes, rider premiums and underwriting extra premiums, if\nany) ... ii) 105% of Total Premiums Paid (excluding the applicable taxes, rider premiums and extra premiums , if collected explicitly) as on date of death.\nii) Option 2 Death Benefit payable shall be Death Sum Assured ... ii. Sum Assured plus Accrued Guaranteed Additions, shall be payable at the end of the Policy Term. ... There is a 90 day waiting period from Date of Commencement of Risk, within which, if Life Assured dies (other than due to accident), the Nominee will receive 100% of the premiums paid till the date of Insured Event, excluding taxes.","sources":[{"clause":"3(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6230#c-3-a"},{"clause":"Part C(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6230#c-part-c-i"},{"clause":"Part C(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6230#c-part-c-ii"},{"clause":"Part C(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-part-c-ii"}],"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":"If the Life Assured is alive on the Maturity Date and all instalment premiums have been received in full, Maturity Sum Assured, equal to Sum Assured, plus accrued Guaranteed Additions is paid, subject to deduction of outstanding dues; the policy terminates on payment.","display":"Maturity Sum Assured, equal to Sum Assured, plus accrued Guaranteed Additions","note":null,"quote":"a) If the Life Assured is alive on the Maturity Date and if all Instalment Premiums have been received in full, the Maturity Sum Assured (which is equal to Sum Assured) plus Accrued Guaranteed Additions shall be paid.\nb) Payment of Maturity Benefit under clause 4 (a) is subject to deduction of any outstanding dues from You under this Policy including but not limited to outstanding Policy Loan, Loan interest or any other dues and applicable taxes, if any.\nc) The Policy will terminate on payment of Maturity Benefit","sources":[{"clause":"4","heading":"Maturity Benefit","page":13,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-4-3"}],"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 options are 6, 8, 10 or 12 years depending on policy term, and the product supports Limited and Regular Pay.","display":"6, 8, 10 or 12 years; Limited and Regular Pay","note":"From the sales brochure. Non-POS brochure also lists 25 and 30 year policy terms with available premium paying terms.","quote":"Premium Payment Term (PPT) | Policy Term Premium Payment Term 12 years 6 years, 8 years, 10 years, 12 years 16 years 6 years, 8 years, 10 years, 12 years 18 years 6 years, 8 years, 10 years, 12 years 20 years 6 years, 8 years, 10 years, 12 years ... Premium Payment Type | Limited and Regular Pay","sources":[{"clause":null,"heading":"Life Insurance Plan Summary","page":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6199#c-life-insurance-plan-summary"}],"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 for Non-POS Option 1, 71 years for Non-POS Option 2, and 65 years for POS.","display":"76 years (Non-POS Option 1); 71 years (Non-POS Option 2); 65 years (POS)","note":"From the sales brochures.","quote":"Maturity Age (As on last Birthday) | Minimum | 18 Years | 30 Years\nMaximum | 76 Years | 71 Years ... Maturity Age (As on last Birthday) | Minimum | 18 Years\nMaximum | 65 Years","sources":[{"clause":null,"heading":"Life Insurance Plan Summary","page":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6197#c-life-insurance-plan-summary"},{"clause":null,"heading":"Life Insurance Plan Summary","page":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6199#c-life-insurance-plan-summary"}],"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 at least 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: at least 80% of total premiums paid or surrender value, whichever is higher","note":null,"quote":"In case of death of Life Assured due to suicide within 12 months from the Date of Commencement of Risk of the Policy or from the date of revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the total premiums paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the Policy is in force.","sources":[{"clause":"7(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-7-a"}],"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 may be surrendered any time before maturity or death. It acquires surrender value after completion of the first policy year provided one full year premium has been received, and surrender value is the higher of Special Surrender Value and Guaranteed Surrender Value; the policy terminates on payment.","display":"Surrender any time before maturity/death; value after first policy year if one full year premium received; higher of SSV and GSV","note":null,"quote":"a) You may Surrender this Policy at any time before Maturity of the Policy or before death of the Life Assured during the Policy Term. Upon Surrender, you will be eligible for Surrender Value, if any, as per the provisions given under this Clause. ... b) The policy acquires a Surrender Value after completion of first policy year provided one full year premium has been received. ... c) The Surrender Value on this Policy shall be higher of the Special Surrender Value and the Guaranteed Surrender Value (as defined below): ... This Policy shall automatically terminate on payment of Surrender Value and no other benefits will be paid to You under this Policy.","sources":[{"clause":"3(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-3-a-2"},{"clause":"3(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-3-b"},{"clause":"3(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-3-c"},{"clause":"Part D","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-part-d-5"}],"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":"After receipt of instalment premiums for the first or more policy years in full, if a subsequent instalment premium remains unpaid after the grace period, the policy becomes a Reduced Paid Up Policy. Death Sum Assured and Maturity Sum Assured are reduced in proportion to premiums paid versus payable, no future guaranteed additions accrue, and reduced death and maturity benefits are payable.","display":"After first or more policy years paid, unpaid premium after grace converts policy to Reduced Paid Up; death and maturity sums reduce proportionately","note":"If all premiums for the first policy year are not paid within grace period, the policy lapses and has no value.","quote":"a) If after the receipt of Instalment Premiums for the first or more Policy Years in full, any subsequent Instalment Premium remains unpaid upon the expiry of the Grace Period, this Policy will be converted into a Reduced Paid Up Policy. ... b) If this Policy is converted to a Reduced Paid-Up Policy, it shall not accrue any future guaranteed additions from the first Premium Due Date on which the Instalment Premium was unpaid. ... c) Death Sum Assured and Maturity Sum Assured will be reduced in proportion to the number of premiums paid to the number of premiums payable under the policy","sources":[{"clause":"2(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-2-a"},{"clause":"2(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-2-b"},{"clause":"2(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-2-c"}],"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 reduced paid-up policy may be revived within the expiry of the Revival Period or the Maturity Date, whichever is earlier. The Revival Period is five consecutive years from the first unpaid premium date, subject to health declaration/evidence, payment of overdue premiums with applicable taxes and interest, and company approval.","display":"5 consecutive years from first unpaid premium, or maturity earlier","note":"The policy says a simple interest rate of 9% per annum may be charged for FY2026-27, and the company may accept on original terms, modified terms, or decline revival.","quote":"a) If this Policy has Lapsed or has turned into a Reduced Paid-Up Policy, it may be revived within the expiry of the Revival Period or the Maturity Date, whichever is earlier, unless this Policy has been surrendered in accordance with this Part D. Revival Period is five consecutive years from the first Premium Due Date on which the Instalment Premium was unpaid. ... i) The Life Assured’s health declaration and other evidences of continued insurability to our Board Approved Underwriting policy. ... ii) Payment of all overdue Instalment Premiums in full (along with applicable taxes, if any) and interest at such a rate as may be determined by Us from time to time.","sources":[{"clause":"4","heading":"Revival","page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-4-4"},{"clause":"4(b)(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-4-b-i"},{"clause":"4(b)(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-4-b-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["Generali Central Non - Linked Accidental Death Benefit Rider","Generali Central Non - Linked Accidental Total & Permanent Disability Rider","Generali Central Non - Linked Critical Illness Rider","Generali Central Non – Linked Term Rider"],"display":"Four riders available under Non-POS; no riders under POS","note":"From the sales brochures. The four named riders are for the Non-POS variant; the POS brochure states no riders are available.","quote":"I) Generali Central Non - Linked Accidental Death Benefit Rider (133B054V01): ... II) Generali Central Non - Linked Accidental Total & Permanent Disability Rider (133B056V01): ... III) Generali Central Non - Linked Critical Illness Rider (UIN: 133B058V01) ... IV) Generali Central Non – Linked Term Rider (UIN: 133B060V01) ... No riders are available under this product.","sources":[{"clause":"Row 2(I)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6197#c-row-2-i"},{"clause":"Row 2(II)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6197#c-row-2-ii"},{"clause":"Row 2(III)","heading":"Generali Central Non - Linked Critical Illness Rider (UIN","page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6197#c-row-2-iii"},{"clause":"Row 2(IV)","heading":"Generali Central Non – Linked Term Rider (UIN","page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6197#c-row-2-iv"},{"clause":null,"heading":"Rider","page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6199#c-rider"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after three years from the later of policy issuance, commencement of risk, revival or rider date. Within three years it may be questioned for fraud or for material misstatement/suppression, with written grounds and materials communicated.","display":"After 3 years, no questioning on any ground; within 3 years, fraud or material misstatement rules apply","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":"1","heading":"Non-Disclosure& Fraud","page":24,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-1-6"},{"clause":"Part F","heading":null,"page":25,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-part-f-2"}],"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 are as per prevailing tax laws in India and amendments from time to time. Payments under the policy may have applicable taxes and levies deducted, charged or recovered, and tax laws are subject to change.","display":"Tax benefits as per prevailing tax laws; tax laws subject to change","note":null,"quote":"The tax benefits on this Policy shall be as per the prevailing tax laws in India and amendments thereto from time to time. In respect of any payment made or to be made under this Policy, We will deduct or charge or recover applicable taxes and other levies, as applicable at such rates as notified by the government or such other body authorised by the government from time to time. Tax laws are subject to change.","sources":[{"clause":"Part F","heading":null,"page":32,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-part-f-9"}],"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":"Refund is after deducting proportionate risk premium for period on cover, stamp duty charges and medical examination expenses, if any, and only if no claims have been made.","quote":"You may return this Policy within 30 days of receipt of the Policy Document, (whether received electronically or otherwise) if You disagree with any of the terms and conditions of the policy","sources":[{"clause":"6(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-6-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for yearly, half-yearly and quarterly; 15 days for monthly","note":"The policy remains in force during the grace period; valid claims during grace are honoured after deducting the due premium.","quote":"Any Instalment Premium which is not received in full by the Premium Due Date may be paid in full during the Grace Period of 30 days for yearly, half-yearly and quarterly premium payment frequencies and 15 days for monthly premium payment frequencies from the Premium Due Date.","sources":[{"clause":"6","heading":"Grace Period","page":14,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-6-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Yearly","Half-yearly","Quarterly","Monthly"],"display":"Yearly, half-yearly, quarterly and monthly","note":null,"quote":"Any Instalment Premium which is not received in full by the Premium Due Date may be paid in full during the Grace Period of 30 days for yearly, half-yearly and quarterly premium payment frequencies and 15 days for monthly premium payment frequencies from the Premium Due Date.","sources":[{"clause":"6","heading":"Grace Period","page":14,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231#c-6-3"}],"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","Regular Pay"],"display":"Limited and Regular Pay","note":"From the sales brochure.","quote":"Premium Payment Type | Limited and Regular Pay","sources":[{"clause":null,"heading":"Life Insurance Plan Summary","page":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6199#c-life-insurance-plan-summary"}],"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":"wording","label":"Generali Central New Assured Wealth Plan (Non-POS Variant) Policy Document","pages":43,"fetched_at":"2026-10-17 19:38:05+00","source_url":"https://www.generalicentrallife.com/docs/new_assured_wealth_plan_non_pos/policy_document.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6230"},{"kind":"wording","label":"Generali Central New Assured Wealth Plan (POS Variant) Policy Document","pages":43,"fetched_at":"2026-10-17 19:38:06+00","source_url":"https://www.generalicentrallife.com/docs/new_assured_wealth_plan_pos/policy_document.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6231"},{"kind":"cis","label":"Generali Central New Assured Wealth Plan (Non-POS Variant) Customer Information Sheet","pages":2,"fetched_at":"2026-10-17 19:32:50+00","source_url":"https://www.generalicentrallife.com/docs/new_assured_wealth_plan_non_pos/customer_information_sheet.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6164"},{"kind":"cis","label":"Generali Central New Assured Wealth Plan (POS Variant) Customer Information Sheet","pages":2,"fetched_at":"2026-10-17 19:32:54+00","source_url":"https://www.generalicentrallife.com/docs/new_assured_wealth_plan_pos/customer_information_sheet.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6165"},{"kind":"brochure","label":"Generali Central New Assured Wealth Plan (Non-POS Variant) Product Brochure","pages":23,"fetched_at":"2026-10-17 19:37:27+00","source_url":"https://www.generalicentrallife.com/docs/new_assured_wealth_plan_non_pos/product_brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6197"},{"kind":"brochure","label":"Generali Central New Assured Wealth Plan (POS Variant) Product Brochure","pages":19,"fetched_at":"2026-10-17 19:37:28+00","source_url":"https://www.generalicentrallife.com/docs/new_assured_wealth_plan_pos/product_brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05/document/6199"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Life Insurance official website","url":"https://www.generalicentrallife.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":"Claims","url":"https://www.generalicentrallife.com/claims","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 procedure","url":"https://www.generalicentrallife.com/info/customer-service/grievance-redressal-procedure","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."}],"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":"Generali Central New Assured Wealth Plan (Non-POS Variant) (UIN 133N085V05), IndiaInsurances, https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-new-assured-wealth-plan-non-pos-variant-133n085v05"}