{"uin":"135N104V01","name":"Super Protect Plus Plan","url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01","insurer":{"slug":"ageas-federal-life-insurance","name":"Ageas Federal Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/ageas-federal-life-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Ageas Federal Life Insurance Super Protect Plus Plan has two plan options: Life Cover with Terminal Illness and Life Cover with Terminal Illness and Return of Premium. It offers death benefit payout as lump sum, regular monthly income, or a combination, with entry ages from 18 years to up to 65 years depending on premium option.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:14:16.400554+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":["Life Cover with Terminal Illness","Life Cover with Terminal Illness and Return of Premium"],"display":"Life Cover with Terminal Illness; Life Cover with Terminal Illness and Return of Premium","note":"From the sales brochure.","quote":"The policyholder will have an option to choose any one from the following base plan options at inception of the policy. ... Plan option 1: Life Cover with Terminal Illness ... Plan option 2: Life Cover with Terminal Illness and Return of Premium","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-s1"},{"clause":null,"heading":"Plan option 1: Life Cover with Terminal Illness","page":3,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-plan-option-1-life-cover-with-terminal-illness"},{"clause":null,"heading":"Plan option 2: Life Cover with Terminal Illness and Return of Premium","page":5,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-plan-option-2-life-cover-with-terminal-illness-a"}],"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":"Policy terms range from 10 years to 67 years for Regular Pay, subject to a maximum maturity age of 85 years. For Limited Pay, the maximum policy term is also 67 years subject to maximum maturity age of 85 years, with minimum terms varying by premium payment term; Single Pay has a 1-year premium payment term.","display":"Minimum 10 years; maximum 67 years, subject to a maximum Maturity Age of 85 years","note":"From the sales brochure. The table is poorly extracted; it states the listed minimum terms by premium paying option and a maximum of 67 years subject to maximum maturity age of 85 years.","quote":"Policy Term and Premium Payment Term combinations | Premium Paying Option | Premium Payment Term | Minimum Policy Term | Maximum Policy Term\nRegular Pay | Same as PT | 10 years | 67 years, subject to a maximum Maturity Age of 85 years\nSingle Pay | 1 year\nLimited Pay - 05 Pay | 05 years | 10 years\nLimited Pay - 07 Pay | 07 years | 12 years\nLimited Pay - 10 Pay | 10 years | 15 years\nLimited Pay - 15 Pay | 15 years | 20 years\nLimited Pay - 20 Pay | 20 years | 25 years\nLimited Pay - Pay till age 60 | (60 – Entry Age) years subject to minimum 5 years and maximum 42 years | (PPT + 5) years","sources":[{"clause":null,"heading":"Case 2: Life cover with Terminal Illness and Return of Premium","page":11,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-case-2-life-cover-with-terminal-illness-and-retu"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The brochure does not state a base death claim intimation deadline; it states a 60-day deadline only for the Accidental Total Permanent Disability add-on.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy","Self-harm/ Self inflected injury: Suicide or attempted suicide or self-inflicted injury.","Breach of Law/ Criminal activity: Taking part in any act of a criminal or illegal nature with criminal intent or committing any breach of law.","Major incident: War, invasion, act of foreign enemy, hostilities, terrorism, civil war, mutiny, rebellion, revolution, insurrection, military, or usurped power or taking part in any riot, strikes, industrial disputes or civil commotion.","Hazardous or Adventurous Sports: Participation in any hazardous sport or activity","Aviation - Flying other than as a fare paying passenger","Alcohol and drug addiction: Alcohol or Solvent abuse or taking of drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner.","Military Service: Taking part in any naval, military or air force operation during peace time.","Hazardous occupation: Service in the armed forces, or any police organization, of any country at war or service in any force of an international body.","Nuclear Contamination: Accident or treatment taken due to direct or indirect contamination caused by chemicals, radioactivity, or nuclear material.","Gas Fumes: Poison, gas, or fumes"],"display":"Suicide within 12 months; and for accidental death/TPD add-ons: self-harm, breach of law, major incident, hazardous sports, non-passenger aviation, alcohol/drug addiction, military service, hazardous occupation, nuclear contamination, gas fumes","note":"From the sales brochure. Items other than suicide are stated for Accidental Death Benefit & Accidental Total Permanent Disability Benefit add-ons.","quote":"In case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy ... The life assured will not be entitled to any accidental death benefits arising directly due to or caused, occasioned, accelerated, or aggravated by any of the following: ... Self-harm/ Self inflected injury: Suicide or attempted suicide or self-inflicted injury. ... Breach of Law/ Criminal activity: Taking part in any act of a criminal or illegal nature with criminal intent or committing any breach of law. ... Major incident: War, invasion, act of foreign enemy, hostilities, terrorism, civil war, mutiny, rebellion, revolution, insurrection, military, or usurped power or taking part in any riot, strikes, industrial disputes or civil commotion. War means any war whether declared or not. ... Hazardous or Adventurous Sports: Participation in any hazardous sport or activity including, but not limited to, underwater activities involving the aid of breathing apparatus, flying sports of any kind, any activity involving explosives, driving or riding in any kind of race, bungee jumping, mountain climbing or climbing requiring the use of ropes or guides, rock climbing any activity performed at dangerous heights like sky diving, cliff diving, bungee jumping, paragliding, hand gliding and parachuting, potholing, hunting. ... Aviation - Flying other than as a fare paying passenger: Participation of the life insured in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline or Pilots and cabin crew of a commercial airline. ... Alcohol and drug addiction: Alcohol or Solvent abuse or taking of drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner. ... Military Service: Taking part in any naval, military or air force operation during peace time. ... Hazardous occupation: Service in the armed forces, or any police organization, of any country at war or service in any force of an international body. ... Nuclear Contamination: Accident or treatment taken due to direct or indirect contamination caused by chemicals, radioactivity, or nuclear material. ... Gas Fumes: Poison, gas, or fumes (voluntary or involuntarily, accidentally, or otherwise taken, administered, absorbed, or inhaled).","sources":[{"clause":null,"heading":"Revival","page":21,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-revival"},{"clause":"1","heading":"Self-harm/ Self inflected injury","page":22,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-1"},{"clause":"2","heading":"Breach of Law/ Criminal activity","page":22,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-2"},{"clause":"3","heading":"Major incident","page":22,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-3"},{"clause":"4","heading":"Hazardous or Adventurous Sports","page":22,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-4"},{"clause":"5","heading":"Aviation - Flying other than as a fare paying passenger","page":22,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-5"},{"clause":"6","heading":"Alcohol and drug addiction","page":22,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-6"},{"clause":"7","heading":"Military Service","page":22,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-7"},{"clause":"8","heading":"Hazardous occupation","page":22,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-8"},{"clause":"9","heading":"Nuclear Contamination","page":22,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-9"},{"clause":"10","heading":"Gas Fumes","page":22,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-10"}],"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":"For grievance redressal and support, the brochure directs the policyholder to the policy document Part G and gives contact routes: visit or call branches of IDBI Bank, Federal Bank or Ageas Federal Life Insurance, write to the Mumbai communication address, call 1800 209 0502, or email support@ageasfederal.com.","display":"Visit/call branches, write to Ageas Federal Life Insurance Company Ltd., call 1800 209 0502, or email support@ageasfederal.com","note":"From the sales brochure; it says to refer to the Policy Document under Part G for further grievance details.","quote":"For further details on Grievance Redressal and Support, please refer to the Policy Document under Part G. Contact Us\nBranches | Communication Address\nYou can visit or call any branch of IDBI | You can write to Ageas Federal Life\nBank, Federal Bank or Ageas Federal Life | Insurance Company Ltd, 22nd Floor,\nInsurance (AFLI). | A Wing, Marathon Futurex, ... Phone | Email\nYou can call our nationwide | You can email us at\ntoll-free number 1800 209 0502\nfrom Monday to Saturday at any | support@ageasfederal.com\ntime between 8 am to 8 pm.","sources":[{"clause":null,"heading":"BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS","page":24,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-beware-of-spurious-phone-calls-and-fictitious-fr"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Minimum Sum Assured is Rs. 50,00,000/-. Maximum is no limit, as per BAUP.","display":"Rs. 50,00,000 minimum; No Limit, as per BAUP","note":"From the sales brochure.","quote":"Sum Assured | Rs. 50,00,000/- | No Limit, as per BAUP","sources":[{"clause":null,"heading":"Case 2: Life cover with Terminal Illness and Return of Premium","page":11,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-case-2-life-cover-with-terminal-illness-and-retu"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"If the life assured dies during the policy term while the policy is in force and premiums are paid or waived, the death benefit is paid. For Regular Pay and Limited Pay it is the higher of 10 times annualized premium, 105% of total premiums paid up to death, or Sum Assured on Death; for Single Pay it is the higher of 125% of single premium or Sum Assured on Death.","display":"Regular/Limited Pay: higher of 10 times Annualized Premium, 105% of Total Premiums Paid, or Sum Assured on Death; Single Pay: higher of 125% of Single Premium or Sum Assured on Death","note":"If a prior Terminal Illness claim was made, the Death Benefit less Terminal Illness Sum Assured already paid is paid.","quote":"In case of unfortunate death of the Life Assured during the Policy Term, provided the policy is in-force, and all due premiums (inclusive of add-on premiums) have been paid or waived. ... Premium Paying Option | Regular Pay & Limited Pay | Single Pay\nDeath Benefit | Higher of: • 10 times the Annualized Premium for base plan option or • 105% of Total Premiums Paid for base plan option, up to the date of death or • Sum Assured on Death | Higher of: • 125% of the Single Premium for base plan option or • Sum Assured on Death","sources":[{"clause":null,"heading":"Death Benefit","page":3,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-death-benefit"}],"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":"Plan option 1 is a pure term variant and no benefit is payable on maturity. Plan option 2 pays maturity benefit on survival: 100% of Total Premiums Paid if no prior Terminal Illness claim was paid, or the stated reduced formula if Terminal Illness Benefit was paid before maturity.","display":"Option 1: no maturity benefit. Option 2: 100% of Total Premiums Paid, or {[1 - (Terminal Illness Sum Assured/Sum Assured on Death)] * Total Premiums Paid} after a Terminal Illness claim","note":"From the sales brochure.","quote":"This is a pure term variant; no benefit is payable on maturity. ... On survival of the Life Assured till the end of policy term, Maturity Benefit payable shall be as below:\nIf the Life Assured survives till date of maturity and if no prior Terminal Illness claim has been paid before date of maturity, maturity benefit equal to 100% of Total Premiums Paid, will be paid in lump sum on the date of maturity and the policy shall terminate thereafter.\nIf Terminal Illness Benefit has been paid before the date of maturity, maturity benefit equal to {[1 - (Terminal Illness Sum Assured/Sum Assured on Death)] * Total Premiums Paid} will be paid in lumpsum on the date of maturity and the policy shall terminate thereafter.","sources":[{"clause":null,"heading":"Maturity Benefit","page":4,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-maturity-benefit"},{"clause":null,"heading":"Maturity Benefit","page":5,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-maturity-benefit-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium payment options are Single Pay, Regular Pay, and Limited Pay of 05 Pay, 07 Pay, 10 Pay, 15 Pay, 20 Pay and Pay till age 60 years.","display":"Single Pay, Regular Pay, Limited Pay – 05 Pay, 07 Pay, 10 Pay, 15 Pay, 20 Pay and Pay till age 60 years","note":"From the sales brochure.","quote":"Premium payment Option | Single Pay, Regular Pay, Limited Pay – 05 Pay, 07 Pay, 10 Pay, 15 Pay, 20 Pay and Pay till age 60 years","sources":[{"clause":null,"heading":"Case 2: Life cover with Terminal Illness and Return of Premium","page":11,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-case-2-life-cover-with-terminal-illness-and-retu"}],"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 85 years.","display":"85 years","note":"From the sales brochure.","quote":"Maturity Age | For Regular and Single Pay - 28 years For Limited Pay • 28 years for 05 Pay • 30 years for 07 Pay • 33 years for 10 Pay • 38 years for 15 Pay • 43 years for 20 Pay • 65 years for Pay till 60 | 85 years","sources":[{"clause":null,"heading":"Case 2: Life cover with Terminal Illness and Return of Premium","page":11,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-case-2-life-cover-with-terminal-illness-and-retu"}],"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 only to 80% of Total Premiums Paid till death or the Surrender Value or Refund Value as applicable on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: 80% of Total Premiums Paid or Surrender Value/Refund Value, whichever is higher","note":"From the sales brochure.","quote":"In case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall only be entitled to 80% of the Total Premiums Paid in respect of Life Assured till the date of death or the Surrender Value or Refund Value (as applicable) as on the date of death whichever is higher, provided the policy is In force.","sources":[{"clause":null,"heading":"Revival","page":21,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-revival"}],"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":"Surrender Value or Refund Value is payable in lump sum during the policy term and the policy terminates. For Life Cover with Terminal Illness, Regular Pay refund value is NIL, Limited Pay has NIL refund value during the first 3 full policy years and a refund value after at least 3 full policy years, and Single Pay has refund value if voluntarily closed during the policy term. For Life Cover with Terminal Illness and Return of Premium, Regular and Limited Pay acquire Guaranteed Surrender Value after payment of premiums for at least two consecutive years, Special Surrender Value after completion of first policy year with one full year premium received, and Single Pay acquires surrender value immediately.","display":"Option 1: Regular Pay Refund Value NIL; Limited Pay NIL for first 3 full policy years then formula; Single Pay formula. Option 2: GSV after at least two consecutive years, SSV after first policy year, Single Pay immediately","note":"From the sales brochure. Policy cannot surrender after acceptance of claim under Terminal Illness Benefit.","quote":"The Surrender value or Refund value as applicable shall be payable under the policy as mentioned below.\nThe Surrender Value/ Refund Value as applicable is payable in lumpsum during the policy term. On payment of Surrender Value / Refund Value, the policy will terminate ... Regular Pay | Refund Value is NIL\nLimited Pay | o During the first 3 full policy years – Refund Value is NIL o After the payment of Premiums for at least first 3 full policy years The refund value will be payable on voluntary exit of the policy. ... For Regular and Limited pay – The policy shall acquire Guaranteed Surrender Value on payment of premium for at\nRegular Pay and Limited Pay | least two consecutive years. Special Surrender Value shall become payable after completion of first policy year, provided one full year premium has been received. For Single Pay - The Policy shall acquire Surrender Value immediately upon payment of single premium.","sources":[{"clause":null,"heading":"Surrender","page":19,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-surrender"}],"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":"Plan Option 1, Life Cover with Terminal Illness, does not acquire paid-up value. Plan Option 2, Life Cover with Terminal Illness and Return of Premium, for Regular and Limited Pay becomes paid-up with reduced benefits after completion of the first policy year if one full year premium has been received and due premiums are not paid within the Grace Period or Cover Continuance Period.","display":"Option 1: no paid-up value. Option 2: reduced paid-up after first policy year if one full year premium received","note":"From the sales brochure.","quote":"Plan Option 1 Life Cover with Terminal Illness and applicable optional Add-on benefits (irrespective of Plan Option chosen) This is a pure protection plan option and therefore does not acquire paid up value. ... For Regular and Limited Pay policies - After completion of first policy year provided one full year premium has been received, in case of non-payment of due Premiums within the Grace Period or Cover Continuance Period (if applicable), the policy shall be made paid-up with reduced benefits.","sources":[{"clause":null,"heading":"Paid up","page":17,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-paid-up"},{"clause":null,"heading":"Plan Option 2: Life Cover with Terminal Illness and Return of Premium","page":17,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-plan-option-2-life-cover-with-terminal-illness-a-2"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed or paid-up policy may be reinstated for full benefits if the application is made within five consecutive complete years from the due date of the first unpaid Premium, subject to evidence of health, underwriting requirements, and payment of arrears with interest.","display":"Within five consecutive complete years from the due date of the first unpaid Premium","note":"From the sales brochure.","quote":"A policy in lapse or paid-up status may be reinstated for full benefits subject to the following conditions:\n• An application for reinstatement must be made within five consecutive complete years from the due date of the first unpaid Premium.\n• Life Assured(s) must furnish satisfactory evidence of health and satisfy other requirements subject to company’s Board Approved Underwriting Policy at that time. Medical tests, if required, have to be borne by the customer at his own cost.\n• The arrears of Premium together with interest are received along with the reinstatement application.","sources":[{"clause":null,"heading":"Revival","page":21,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-revival"}],"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 facility is available under Plan Option 2, Life Cover with Terminal Illness and Return of Premium, after acquisition of Guaranteed Surrender Value and during the policy term. Minimum loan amount is Rs. 5,000 and maximum loan amount is 75% of Guaranteed Surrender Value less outstanding loan and accumulated interest.","display":"Available under Plan Option 2 after GSV; minimum Rs. 5,000; maximum 75% of GSV less outstanding loan and interest","note":"From the sales brochure.","quote":"• Loan facility will be available under Plan Option 2 “Life Cover with Terminal Illness and Return of Premium” plan option post-acquisition of Guaranteed Surrender Value and during the policy term, without any discrimination amongst policyholders.\n• Minimum loan amount is Rs. 5,000 Maximum loan amounts shall be 75% of Guaranteed Surrender Value (less outstanding loan and accumulated interest thereon, if any).","sources":[{"clause":null,"heading":"Policy Loan","page":14,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-policy-loan"}],"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":["Accidental Death Benefit","Accidental Total Permanent Disability Benefit","Ageas Federal Life Insurance Critical Shield Rider"],"display":"Accidental Death Benefit; Accidental Total Permanent Disability Benefit; Ageas Federal Life Insurance Critical Shield Rider","note":"From the sales brochure. Accidental Death Benefit and Accidental Total Permanent Disability Benefit are add-on benefits with add-on premiums; Critical Shield is listed as an optional rider.","quote":"This Plan also offers following add-on benefits on payment of additional premiums referred to as ‘Add-on premium(s)’\na. Accidental Death Benefit ... b. Accidental Total Permanent Disability Benefit ... 01 | Ageas Federal Life Insurance Critical Shield Rider | 135B035V01 (or any other latest version)","sources":[{"clause":null,"heading":"Life Cover","page":6,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-life-cover-2"},{"clause":"Row 1","heading":"Ageas Federal Life Insurance Critical Shield Rider","page":13,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-row-1"}],"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":"not-stated","value":null,"display":null,"note":"The brochure only says fraud, misstatement and suppression would be dealt with in accordance with Section 45; it does not print the 3-year rule.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits may be available for premiums paid and for the amount received as death benefit or surrender proceeds. The brochure advises consulting a tax advisor because tax laws change from time to time.","display":"Tax benefits may be available for premiums paid and death benefit/surrender proceeds; consult a tax advisor","note":"From the sales brochure.","quote":"Tax benefits may be available for the premiums paid and for the amount received as death benefit/surrender proceeds under the policy. As tax laws change from time to time, it is advised to consult a tax advisor for detailed information.","sources":[{"clause":null,"heading":"Tax Benefits","page":15,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-tax-benefits"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"From the sales brochure.","quote":"The Policyholder will be entitled to a free look period of 30 days beginning from the date of receipt of the policy document, to review the terms and conditions of the policy.","sources":[{"clause":null,"heading":"Free-look Period","page":15,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days in all other cases; 15 days for Monthly mode","note":"From the sales brochure. Monthly mode has 15 days.","quote":"Grace period is 15 days for Monthly mode and 30 days in all other cases from the due date of first unpaid Premium.\nDuring grace period, the policy status would be in force.","sources":[{"clause":null,"heading":"Grace Period","page":14,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-grace-period"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 years. Maximum entry age is 55 years for pay till age 60, 60 years for 20 Pay, and 65 years for others.","display":"18 years minimum; maximum 55 years for pay till age 60, 60 years for 20 Pay, 65 years for others","note":"From the sales brochure.","quote":"Age at Entry (as on last birthday) | 18 years | 55 years (for pay till age 60) 60 years (for 20 Pay) 65 years (for others)","sources":[{"clause":null,"heading":"Case 2: Life cover with Terminal Illness and Return of Premium","page":11,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-case-2-life-cover-with-terminal-illness-and-retu"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The brochure mentions Monthly mode and non-annual mode but does not list all premium payment modes.","quote":null,"sources":[],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","Regular Pay","Limited Pay"],"display":"Single Pay, Regular Pay, Limited Pay","note":"From the sales brochure.","quote":"Premium payment Option | Single Pay, Regular Pay, Limited Pay – 05 Pay, 07 Pay, 10 Pay, 15 Pay, 20 Pay and Pay till age 60 years","sources":[{"clause":null,"heading":"Case 2: Life cover with Terminal Illness and Return of Premium","page":11,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-case-2-life-cover-with-terminal-illness-and-retu"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"quote-verified","value":"Yes, under Plan option 2, Life Cover with Terminal Illness and Return of Premium, a maturity benefit is provided on survival to the end of the policy term. If no prior Terminal Illness claim has been paid, the maturity benefit is 100% of Total Premiums Paid; if Terminal Illness Benefit was paid before maturity, the reduced formula applies. Plan option 1 has no maturity benefit.","display":"Yes, under Life Cover with Terminal Illness and Return of Premium: 100% of Total Premiums Paid on maturity if no prior Terminal Illness claim; Option 1 has no maturity benefit","note":"From the sales brochure. Return of premium is a plan option, not included in the pure term variant.","quote":"In addition to the Death benefit and Terminal Illness Benefit mentioned under Plan option 1, this option provides a maturity benefit on survival of Life Assured till the end of the policy term. ... If the Life Assured survives till date of maturity and if no prior Terminal Illness claim has been paid before date of maturity, maturity benefit equal to 100% of Total Premiums Paid, will be paid in lump sum on the date of maturity and the policy shall terminate thereafter. ... This is a pure term variant; no benefit is payable on maturity.","sources":[{"clause":null,"heading":"Plan option 2: Life Cover with Terminal Illness and Return of Premium","page":5,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-plan-option-2-life-cover-with-terminal-illness-a"},{"clause":null,"heading":"Maturity Benefit","page":5,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-maturity-benefit-2"},{"clause":null,"heading":"Maturity Benefit","page":4,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-maturity-benefit"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"quote-verified","value":"Yes. On diagnosis of Terminal Illness during the policy term, a lump sum Terminal Illness Benefit is payable if the policy is in force and premiums are paid. If Sum Assured on Death is up to 2 Crores, the Terminal Illness Sum Assured is paid and the policy terminates; if it is greater than 2 Crores, 2 Crores is paid and the policy continues with the balance Sum Assured on Death.","display":"Yes, lump sum on Terminal Illness; capped at 2 Crores","note":"From the sales brochure.","quote":"Upon diagnosis of Terminal Illness during the Policy Term, Terminal Illness Benefit shall be payable in lumpsum, provided the policy is in-force and all due premiums (inclusive of add-on premiums) have been paid. . If the Sum Assured on Death chosen is less than or equal to 2 Crores (i.e. maximum Terminal Illness Sum Assured#), . Terminal Illness Sum Assured will be paid, and the policy shall terminate thereafter If the Sum Assured on Death chosen is greater than 2 Crores (i.e. maximum Terminal Illness Sum Assured#), 2 Crores will be paid and the policy will continue with the balance Sum Assured on Death, i.e. (Sum Assured on Death less 2 Crores).","sources":[{"clause":null,"heading":"Terminal Illness Benefit","page":3,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-terminal-illness-benefit"}],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"quote-verified","value":"Future premiums are waived after a Terminal Illness claim only where the Sum Assured on Death chosen is greater than 2 Crores and the policy continues with the balance Sum Assured on Death. The waiver applies from the next policy anniversary.","display":"Future premiums waived from next policy anniversary after Terminal Illness claim when Sum Assured on Death is greater than 2 Crores","note":"From the sales brochure. This is a terminal illness-related waiver, not a stated disability or critical illness waiver.","quote":"If the Sum Assured on Death chosen is greater than 2 Crores (i.e. maximum Terminal Illness Sum Assured#), 2 Crores will be paid and the policy will continue with the balance Sum Assured on Death, i.e. (Sum Assured on Death less 2 Crores). All future premiums (inclusive of add-on premiums), if any shall be waived from next policy anniversary.","sources":[{"clause":null,"heading":"Terminal Illness Benefit","page":3,"url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908#c-terminal-illness-benefit"}],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":"The brochure mentions medical examination expenses on free-look cancellation and medical tests if required for reinstatement, but not whether tests are needed at purchase or at what cover.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"brochure","label":"Brochure","pages":25,"fetched_at":"2026-10-17 19:34:09+00","source_url":"https://sacicwpprd01.blob.core.windows.net/%24web/sccicwppr01/assets/super_protect_plan_plus_brochure_20_may_2026_83157320bf.pdf","url":"https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01/document/1908"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Ageas Federal Life Insurance official website","url":"https://www.ageasfederal.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.ageasfederal.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":"Complaint or query","url":"https://www.ageasfederal.com/services/complaint-query","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":"Super Protect Plus Plan (UIN 135N104V01), IndiaInsurances, https://indiainsurances.com/policy/ageas-federal-life-insurance/super-protect-plus-plan-135n104v01"}