{"uin":"133N090V07","name":"Generali Central Long Term Income Plan","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07","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":"Generali Central Long Term Income Plan is an individual, non-linked, non-participating savings life insurance plan with death, survival and maturity benefits. It has Option 1 and Option 2, policy terms of 30, 40 or 50 years and limited-pay premium terms of 8, 10 or 12 years.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:45:23.310022+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"],"display":"Option 1 and Option 2","note":null,"quote":"Death Benefit payable shall be as follows based on the Plan Option chosen by You at the outset of the Policy as specified in the Schedule and in accordance with the provisions of this Part C below:\ni) Option 1 ... ii) Option 2","sources":[{"clause":"2","heading":"Death Benefit","page":14,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-2-4"},{"clause":"Part C","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-part-c-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"30, 40 or 50 years.","display":"30, 40 or 50 years","note":"From the sales brochure.","quote":"Policy Term | 30 | 40 | 50 years","sources":[{"clause":null,"heading":"Life Insurance Plan Summary","page":6,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6195#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 in writing. Proof of death and appropriate documents must be furnished not later than 90 days from the date of death, unless specified otherwise.","display":"Death must be notified in writing; proof of death and documents not later than 90 days from death","note":"Delay in intimation of a genuine claim may be condoned on merit where the delay is beyond the claimant's 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":null,"heading":"Payment of Death Benefits","page":32,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-payment-of-death-benefits"}],"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","A copy of past medical records for diagnosis and treatment with complete details of Illness, wherever applicable","Legal evidence of title of the claimant where no valid Nomination or Assignment under this Policy exists or in cases where the title is in dispute","Proof of Age, if the Age has not been admitted under the Policy earlier","Self-attested copy of the PAN Card or Form 60 of Claimant","KYC documents including photograph of the Claimant","Bank details with supporting documents of Claimant"],"display":"Original policy document, death certificate, post-mortem/FIR where applicable, claim forms, medical records, title evidence where needed, age proof if not admitted, PAN/Form 60, KYC with photo and bank details","note":"The company may call for additional documents if necessary.","quote":"c) The following documentation must necessarily be submitted to Us in order to process the death claim:\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;\nv) Certificate from physician/hospital last attended showing cause of death wherever applicable;\nvi) A copy of past medical records for diagnosis and treatment with complete details of Illness, wherever applicable.\nvii) Legal evidence of title of the claimant where no valid Nomination or Assignment under this Policy exists or in cases where the title is in dispute;\nviii) Proof of Age, if the Age has not been admitted under the Policy earlier.\nix) Self-attested copy of the PAN Card or Form 60 of Claimant\nx) KYC documents including photograph of the Claimant\nxi) Bank details with supporting documents of Claimant","sources":[{"clause":"Part F","heading":null,"page":33,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-part-f-6"}],"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 states claim requirements are raised within 10 days after lodging the claim, death claim decision is within 15 days where no investigation is required, and within 45 days where investigation is required.","display":"Requirements within 10 days; death claim decision within 15 days without investigation and within 45 days with investigation","note":"Stated in the Customer Information Sheet; the policy wording gives claim procedure but not this TAT.","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":null,"heading":"LIFE INSURANCE","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6163#c-life-insurance-2"}],"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 of Life Assured due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of Revival of the Policy"],"display":"Suicide within 12 months from commencement of risk or revival is subject to the suicide clause","note":"The policy's printed exclusion section states only the suicide exclusion for the base policy.","quote":"In case of death of Life Assured 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 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","heading":"Suicide Exclusion","page":34,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-7-3"}],"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 at Generali Central Life Insurance Company Limited. If that decision is not satisfactory, or there is no response within 10 days, contact the Grievance Redressal Officer.","display":"First Grievance Redressal Department; then Grievance Redressal Officer if unsatisfactory 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:- ... Grievance Redressal Department\nGenerali 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:- ... Grievance Redressal Officer\nGenerali Central Life Insurance Company Limited\nUnit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083 Contact No: 022 41514712 Toll Free No: 1800 102 2355 Email: gro@generalicentral.com","sources":[{"clause":"1(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-1-a"},{"clause":null,"heading":"Grievance Redressal Department","page":37,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-grievance-redressal-department"},{"clause":"1(b)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-1-b"},{"clause":null,"heading":"Grievance Redressal Officer","page":37,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#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 minimum is ₹2,00,000 and maximum is No Limit, as per Board Approved Underwriting Policy. Sum Assured on Death is defined as a multiple of the Annualized Premium.","display":"Minimum ₹2,00,000; maximum No Limit (as per Board Approved Underwriting Policy); Sum Assured on Death is a multiple of Annualized Premium","note":"From the sales brochure.","quote":"Sum Assured | Minimum | ₹2,00,000\nMaximum | No Limit (As per Board Approved Underwriting Policy) ... Sum Assured on Death is defined as a multiple of the Annualized Premium (excluding applicable taxes, rider premiums and underwriting extra premiums, if any).","sources":[{"clause":null,"heading":"Life Insurance Plan Summary","page":6,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6195#c-life-insurance-plan-summary"},{"clause":null,"heading":"Death Benefit","page":13,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6195#c-death-benefit"}],"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":"For Option 1, the death benefit is the highest of Sum Assured on Death, 105% of Total Premiums Paid, 150% of Total Premiums Paid less total Survival Benefits already paid, or Surrender Value as on the date of death. For Option 2, Sum Assured on Death is paid immediately, the policy continues to pay Survival Benefits till the end of the policy term, Maturity Benefit is payable at the end of the policy term, and no premiums falling due after death are payable.","display":"Option 1: highest of Sum Assured on Death, 105% of Total Premiums Paid, 150% of Total Premiums Paid less Survival Benefits already paid, or Surrender Value. Option 2: Sum Assured on Death immediately, continued Survival Benefits and Maturity Benefit, with no future premiums after death.","note":"Applies if death occurs during the policy term and the policy is not cancelled, lapsed, surrendered or reduced paid-up, subject to deductions and exclusions.","quote":"i) Option 1 Death Benefit payable shall be the highest of the following:\ni. Sum Assured on Death which is defined as a multiple of the Annualized Premium (excluding the applicable taxes, rider premiums and underwriting extra premiums, if\nany) as specified in the Schedule under 3(e) or\nii) 105% of Total Premiums Paid (excluding the applicable taxes, rider premiums and extra premiums, if collected explicitly) as on date of death or\niii) 150% of Total Premiums Paid as on date of death less total Survival Benefits already paid\niv) Surrender Value as on date of death of Life Assured. ... Death Benefit payable immediately on Death shall be Sum Assured on Death ... i) Policy will continue to pay the Survival Benefits till the end of Policy Term in the manner as defined under Survival Benefit section in this Part C. ... ii) Maturity Benefit as defined in this Part C, shall be payable at the end of the Policy Term. ... iii) No premiums falling due after death of the Life Assured are payable.","sources":[{"clause":"2","heading":"Death Benefit","page":14,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-2-4"},{"clause":"Part C","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-part-c-2"},{"clause":"Part C(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-part-c-i"},{"clause":"Part C(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-part-c-ii"},{"clause":"Part C(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-part-c-iii"}],"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, Sum Assured on Maturity plus Maturity Loyalty Addition is paid. Maturity Loyalty Addition is equal to Sum Assured on Maturity.","display":"Sum Assured on Maturity plus Maturity Loyalty Addition; Maturity Loyalty Addition equals Sum Assured on Maturity","note":"Payment is subject to deduction of outstanding dues and applicable taxes, if any.","quote":"a) If the Life Assured is alive on the Maturity Date and if all Instalment Premiums have been received in full, the Sum Assured on Maturity plus Maturity Loyalty Addition shall be paid, where Maturity Loyalty Addition is equal to Sum Assured on Maturity.\nb) Sum Assured on Maturity is specified in the Schedule under 3(e).","sources":[{"clause":"Part C","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-part-c-5"}],"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 8, 10 or 12 years.","display":"8, 10 or 12 years","note":"From the sales brochure.","quote":"Premium Payment Term (PPT) | 8 | 10 | 12 years","sources":[{"clause":null,"heading":"Life Insurance Plan Summary","page":6,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6195#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 100 years for Option 1 and 85 years for Option 2.","display":"Option 1: 100 years; Option 2: 85 years","note":"From the sales brochure.","quote":"Maturity Age (As on last Birthday) | Option 1 | Option 2\nMinimum | 30 years | 48 years\nMaximum | 100 years | 85 years","sources":[{"clause":null,"heading":"Life Insurance Plan Summary","page":6,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6195#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 is entitled to 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 till death or Surrender Value, whichever is higher, if in-force","note":null,"quote":"In case of death of Life Assured 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 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","heading":"Suicide Exclusion","page":34,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-7-3"}],"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 acquires a Surrender Value after completion of the first policy year if one full year premium has been received. On surrender, the insurer pays the higher of Special Surrender Value or Guaranteed Surrender Value, and the policy terminates.","display":"After first policy year with one full year premium paid; higher of Special Surrender Value or Guaranteed Surrender Value","note":"Guaranteed Surrender Value equals the GSV factor for premiums times Total Premiums Paid, less Total Survival Benefits already paid.","quote":"2. The policy acquires a Surrender Value after completion of first policy year provided one full year premium has been received. Once this Policy has acquired a Surrender Value, this Policy or the Reduced Paid-up Policy may be surrendered during the Policy Term and We will pay You the Surrender Value.\n3. The Surrender Value on this Policy shall be the Special Surrender Value or the Guaranteed Surrender Value, whichever is higher, as defined below.","sources":[{"clause":"3","heading":"Surrender","page":22,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-3-5"}],"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":"If premiums for the first 1 or more policy years have been received in full and a later premium is unpaid after the grace period, the policy becomes Reduced Paid-up. Sum Assured on Death, Guaranteed Income and Sum Assured on Maturity reduce in proportion to premiums paid versus premiums payable, and Income Loyalty Addition and Maturity Loyalty Addition are not available.","display":"After first 1 policy year premiums paid: reduced paid-up with Sum Assured on Death, Guaranteed Income and Sum Assured on Maturity reduced proportionately; no Income Loyalty Addition or Maturity Loyalty Addition","note":null,"quote":"a) If after the receipt of due Instalment Premiums for first (1) 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 into a Reduced Paid-up Policy, Sum Assured on Death, Guaranteed Income, and Sum Assured on Maturity will be reduced in proportion to the number of Premiums paid to the number of Premiums payable under the Policy ... c) If this Policy is converted into a Reduced Paid-up Policy, it will not be eligible for any Income Loyalty Addition or Maturity Loyalty Addition.","sources":[{"clause":"2(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-2-a"},{"clause":"2(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-2-b"},{"clause":"2(c)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#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 earlier of the Revival Period or the Maturity Date. The Revival Period is five (5) consecutive years from the due date of the first unpaid premium, subject to health declaration/evidence of insurability, overdue premiums, taxes and interest, and company approval.","display":"Five (5) consecutive years from the due date of first unpaid premium, or earlier Maturity Date; with insurability evidence, overdue premiums and interest, and approval","note":"The stated revival interest for FY 2026-27 is 9% per annum, with basis linked to 10-year G-Sec plus 2% rounded to nearest 1%.","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 (5) consecutive years from the due date of first unpaid premium. ... i) The Life Assured’s health declaration and other evidence of continued insurability as per Our Board Approved Underwriting policy. ... ii) Payment of all overdue Instalment Premiums in full (along with applicable taxes, if any) and interest, if any, at such a rate as may be determined by Us from time to time. ... iv) The Policy shall be considered to be revived only when a confirmation to this effect is issued by the Company to You.","sources":[{"clause":"4","heading":"Revival","page":24,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-4-4"},{"clause":"4(b)(i)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-4-b-i"},{"clause":"4(b)(ii)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-4-b-ii"},{"clause":"4(b)(iv)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-4-b-iv"}],"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":"Loan is available after the policy has acquired Surrender Value, up to 85% of the Surrender Value. The minimum policy loan is Rs.10,000/- and the current interest rate for FY 2026-27 is 9% per annum compounded half-yearly.","display":"Available after surrender value; up to 85% of Surrender Value; minimum Rs.10,000/-; 9% p.a. compounded half-yearly for FY 2026-27","note":"The loan percentage may change with IRDAI approval in case of significant increase in interest rates.","quote":"i) If this Policy has acquired Surrender Value, loan is available under the Policy to the extent of 85% of the Surrender Value. ... iv) The minimum amount of Policy loan that can be taken is Rs.10,000/-. ... The current interest rate for the Financial Year 2026-27 applicable on loans is 9% per annum compounded half-yearly.","sources":[{"clause":"5(i)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-5-i"},{"clause":"5(iv)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-5-iv"},{"clause":"5(ii)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-5-ii"}],"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 Term Rider","Generali Central Non - Linked Critical Illness Rider"],"display":"Accidental Death Benefit, Accidental Total & Permanent Disability, Term, and Critical Illness riders","note":"From the sales brochure. The brochure says “three options” but lists four rider options.","quote":"This plan gives you three options:\n• Option 1 - Generali Central Non - Linked Accidental Death Benefit Rider\n• Option 2 - Generali Central Non - Linked Accidental Total & Permanent Disability Rider\n• Option 3 – Generali Central Non – Linked Term Rider\n• Option 4 - Generali Central Non - Linked Critical Illness Rider","sources":[{"clause":null,"heading":"STEP: 4","page":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6195#c-step-4"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after three years from the later of policy issuance, commencement of risk, revival or rider date. Within three years, it may be called in question on fraud, and on material misstatement or suppression, with written grounds and materials communicated.","display":"After three years it cannot be called in question on any ground; within three years for fraud or material misstatement/suppression with written grounds","note":"For non-fraud repudiation, premiums collected till repudiation are payable within ninety days from the date of repudiation.","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":"Fraud and Misstatement","page":29,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-1-6"},{"clause":"Part F","heading":null,"page":30,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-part-f-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits are as per prevailing Indian tax laws and amendments. Payments under the policy may be subject to deduction, charging or recovery of applicable taxes and levies, and tax laws are subject to change.","display":"Tax benefits as per prevailing tax laws in India; tax laws are 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":null,"heading":"16) Applicable Taxes & Duties","page":36,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-16-applicable-taxes-duties"}],"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, stamp duty charges and medical examination expenses, if any, provided no claim has 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, by giving Us a request for cancellation of this Policy which states the reasons for Your objections.","sources":[{"clause":"6(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-6-a-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for yearly, half-yearly and quarterly; 15 days for monthly","note":"Norm uses the 30-day grace period; monthly mode has 15 days.","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. This Policy will remain In-force during the Grace Period.","sources":[{"clause":"7","heading":"Grace Period","page":19,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-7-2"}],"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":"Option 1 entry age varies by Death Benefit Multiple: minimum 0 days for multiple 10, 41 years for multiple 7, and 50 years for multiple 5; maximum 60 years for multiple 10 and 65 years for multiples 7 and 5. Option 2 with Death Benefit Multiple 10 is 18 years minimum and 45 years maximum.","display":"Option 1: 0 days to 60 years for multiple 10, 41 to 65 years for multiple 7, 50 to 65 years for multiple 5; Option 2: 18 to 45 years","note":"From the sales brochure.","quote":"Entry Age (As on last Birthday) | Option 1 | Option 2\nMinimum | Death Benefit Multiple 10 - 0 days Death Benefit Multiple 7 - 41 years Death Benefit Multiple 5 - 50 years | Death Benefit Multiple 10 - 18 years\nMaximum | Death Benefit Multiple 10 - 60 years Death Benefit Multiple 7 - 65 years Death Benefit Multiple 5 - 65 years | Death Benefit Multiple 10 - 45 years","sources":[{"clause":null,"heading":"Life Insurance Plan Summary","page":6,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6195#c-life-insurance-plan-summary"}],"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":"30 days for yearly, half-yearly and quarterly Premium Payment frequencies and 15 days for monthly Premium Payment frequencies","sources":[{"clause":"7","heading":"Grace Period","page":19,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226#c-7-2"}],"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 Pay"],"display":"Limited Pay","note":"From the sales brochure.","quote":"Premium Payment Type | Limited Pay","sources":[{"clause":null,"heading":"Life Insurance Plan Summary","page":6,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6195#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 Long Term Income Plan Policy Document","pages":47,"fetched_at":"2026-10-17 19:38:01+00","source_url":"https://www.generalicentrallife.com/docs/long_term_income_plan/policy_document.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6226"},{"kind":"cis","label":"Generali Central Long Term Income Plan Customer Information Sheet","pages":2,"fetched_at":"2026-10-17 19:32:39+00","source_url":"https://www.generalicentrallife.com/docs/long_term_income_plan/customer_information_sheet.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6163"},{"kind":"brochure","label":"Generali Central Long Term Income Plan Product Brochure","pages":26,"fetched_at":"2026-10-17 19:37:25+00","source_url":"https://www.generalicentrallife.com/docs/long_term_income_plan/product_brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07/document/6195"}],"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 Long Term Income Plan (UIN 133N090V07), IndiaInsurances, https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-long-term-income-plan-133n090v07"}