{"uin":"136N081V08","name":"iSelect Guaranteed Future","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08","insurer":{"slug":"canara-hsbc-life-insurance","name":"Canara HSBC Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/canara-hsbc-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":"Canara HSBC Life iSelect Guaranteed Future is a non-linked non-participating individual savings life insurance plan with plan options iAchieve, Flexi iAchieve, iAssure, Flexi iAssure and Easy iAchieve. It provides life cover with guaranteed maturity benefits or guaranteed income depending on the option, and Payor Premium Protection Cover is available under iAchieve and iAssure.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:38:03.037309+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":["iAchieve","Flexi iAchieve","iAssure","Flexi iAssure","Easy iAchieve"],"display":"iAchieve, Flexi iAchieve, iAssure, Flexi iAssure, Easy iAchieve","note":null,"quote":"Canara HSBC Life iSelect Guaranteed Future Plan Option <iAchieve / Flexi iAchieve/ iAssure/ Flexi iAssure/ Easy iAchieve> UIN 136N081V08","sources":[{"clause":"Row 1","heading":"Name of the Insurance Product and Unique Identification Number (UIN)","page":1,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18881#c-row-1"}],"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":"Limited premium options have policy terms of 10, 15 or 20 years for 5-year premium payment, 12 or 14 years for 7-year premium payment, and 15 or 20 years for 10-year premium payment, with some plan-specific availability. Easy iAchieve has single premium policy terms of 10, 12, 14, 15 and 20 years.","display":"10, 12, 14, 15 or 20 years, depending on plan option and premium payment term","note":"From the sales brochure.","quote":"Premium Payment Term & Policy Term (in years) | Plan Option | Premium Payment Option | Premium Payment Term (Years) | Policy Term* (Years)\niAchieve Flexi iAchieve | Limited Premium Option | 5 | 10,15 & 20\n7 | 12 & 14\n10 | 15 & 20\niAssure Flexi iAssure | Limited Premium Option | 5 | 10 & 15\n7 | 12 & 14\n10 | 15 & 20\nEasy iAchieve | Single Premium Option | 1 | 10, 12, 14, 15 & 20","sources":[{"clause":null,"heading":"Policy Term","page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18888#c-policy-term-9"}],"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":"For a death claim, the Beneficiary or Claimant should inform the insurer in writing immediately within 90 days of death through the Claim Form.","display":"Death claim: immediately within 90 days of death","note":null,"quote":"In the event of the death of the Life Assured, to register the claim under the Policy, the Beneficiary /Claimant will endeavor to inform Us in writing immediately within a period of 90 days of such death through the Claim Form along with the following documents:","sources":[{"clause":"18","heading":"Claim Procedures","page":26,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-18-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Bank Account details for money transfer","documentation on FEMA compliance or such applicable law for NRI/NR customers","KYC or any other documents","Policy Document","Death certificate issued by the appropriate government authority","attested photo identity and address proof of the Beneficiary /Claimant and Life Assured","Company Specific Claim formats duly completed and signed – Claim Form, Physician's Statement, Treating Hospital Certificate, Employer Certificate","hospital records or other medical records","post-mortem/ chemical viscera report, wherever conducted","police records for unnatural or accidental death"],"display":"Maturity claims need bank details, FEMA documents for NRI/NR customers and any other documents including KYC. Death claims need the policy document, death certificate, identity/address proofs, claim formats, medical records, post-mortem/viscera report where conducted and police records for unnatural or accidental death.","note":null,"quote":"In case of Maturity Benefit payout, following documents are required by us to process the claim:\na) Bank Account details for money transfer (in case the same are not updated),\nb) With respect to NRI/NR customers, documentation on FEMA compliance or such applicable law,\nc) Any other documents including KYC may be required. ... i) Policy Document. ii. Death certificate issued by the appropriate government authority. iii. Attested copy of photo identity and address proof of the Beneficiary /Claimant and Life Assured. iv. Company Specific Claim formats duly completed and signed – Claim Form, Physician's Statement, Treating Hospital Certificate, Employer Certificate. v. All Hospital records/ other medical records. vi. Post-mortem/ chemical viscera report, wherever conducted. vii. Police records including First information report, panchnama, police investigation report and final police report only in case of unnatural or death due to Accident.","sources":[{"clause":"18","heading":"Claim Procedures","page":26,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-18-2"},{"clause":"18(c)(i)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-18-c-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Death claims, except those warranting investigation, are settled within 15 days from the date of claim intimation. Death claims warranting investigation are settled within 45 days from the date of claim intimation.","display":"Death claims: 15 days from intimation; investigation cases: 45 days from intimation","note":null,"quote":"Turn Around Time (TAT) for death claims settlement:\nDeath claim, except in cases warranting investigation | Within 15 days from the date of intimation of claim\nDeath claim warranting investigation | Within 45 days from the date of intimation of claim","sources":[{"clause":"18(c)(i)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-18-c-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide Exclusion: suicide within 12 months from the Risk Commencement Date or date of Revival"],"display":"Suicide within 12 months from risk commencement or revival is subject to the suicide exclusion benefit.","note":"The policy wording also states there are no restrictions on travel or occupation.","quote":"Suicide Exclusion: If the Life Assured /Policyholder (where Payor PPC has been chosen), whether sane or insane, commits suicide within 12 months from the Risk Commencement Date under the Policy or date of Revival of the Policy (provided the Policy is in force), the Nominee of the Policyholder shall be entitled to an amount which is higher of 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death.","sources":[{"clause":"17","heading":"Suicide Exclusion","page":26,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-17-2"}],"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 register the complaint with the insurer through its website, resolution centre, Hub Grievance Officers or Complaint Redressal Unit. If not satisfied with the response or if no response is received, write to the Grievance Redressal Officer before approaching IRDAI or the Insurance Ombudsman.","display":"Complaint Redressal Unit first; then Grievance Redressal Officer","note":null,"quote":"In case You wish to register a complaint with Us, You may visit our website, approach our resolution centre, Grievance Officers at Hub locations, or may write to Us at: Complaint Redressal Unit: Canara HSBC Life Insurance Company Limited; 139 P, Sector-44, Gurugram 122003, Haryana, India. Toll Free: 1800-103-0003 / 1800-891-0003, Email: cru@canarahsbclife.in. ... In case you are not satisfied with Our response, or have not received any response, You may write to our Grievance Redressal Officer at: Grievance Redressal Officer: Canara HSBC Life Insurance Company Limited; 139 P, Sector-44, Gurugram 122003, Haryana, India Toll Free: 1800-103-0003 / 1800-891-0003 or Email: gro@canarahsbclife.in.","sources":[{"clause":null,"heading":"26. Grievance Redressal Procedure","page":27,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-26-grievance-redressal-procedure"},{"clause":"2","heading":null,"page":28,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-2-4"}],"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":"For iAchieve, Flexi iAchieve, iAssure and Flexi iAssure, Sum Assured on Death is the higher of Guaranteed Sum Assured or 105% of Total Premiums Paid as on death; Guaranteed Sum Assured is 11 times the Annualized Premium. For Easy iAchieve, Sum Assured on Death equals Guaranteed Sum Assured, and Guaranteed Sum Assured is the higher of 1.25 or 10 times the Single Premium chosen at inception, or Guaranteed Sum Assured on Maturity multiplied by the Death Benefit Factor.","display":"Non-Easy options: higher of Guaranteed Sum Assured or 105% of Total Premiums Paid; Guaranteed Sum Assured is 11 times Annualized Premium. Easy iAchieve: Guaranteed Sum Assured.","note":null,"quote":"Sum Assured on Death for iAchieve, Flexi iAchieve, iAssure & Flexi iAssure Plan Option/s, is calculated as higher of: i. Guaranteed Sum Assured; or ii 105% of Total Premiums Paid as on date of death. For Easy iAchieve Plan Option Sum Assured on Death is an amount equal to Guaranteed Sum Assured. ... Guaranteed Sum Assured in case of iAssure & Flexi iAssure, iAchieve & Flexi iAchieve Plan Option/s, is defined as 11 times the Annualized Premium. For Easy iAchieve Plan Option the Guaranteed Sum Assured is the amount which is higher of:\n• 1.25 or 10 times the Single Premium as chosen by the Policyholder at inception of the Policy\n• Guaranteed Sum Assured on Maturity X Death Benefit Factor","sources":[{"clause":"38","heading":"Sum Assured on Death","page":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-38"},{"clause":"15","heading":null,"page":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-15"}],"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 in-force iAchieve, Flexi iAchieve, iAssure and Flexi iAssure policies, the death benefit is generally Sum Assured on Death plus accrued Guaranteed Additions, if any, plus High Premium Addition, if any, subject to the suicide exclusion. For Easy iAchieve, the death benefit is Sum Assured on Death plus High Premium Additions, if any; under iAchieve or iAssure with Payor PPC where the Life Assured and Policyholder are the same, Sum Assured on Death is paid immediately and future premiums are waived with the policy continuing.","display":"Sum Assured on Death + accrued Guaranteed Additions, if any + High Premium Addition, if any; Easy iAchieve pays Sum Assured on Death + High Premium Additions, if any.","note":"Payor Premium Protection Cover is available only under iAchieve and iAssure and changes the immediate and continuing benefits in the cases described in the policy.","quote":"Subject to Suicide Exclusion, We shall pay the Death benefit as the Sum Assured on Death plus accrued Guaranteed Additions, if any, plus High Premium Addition, if any. Upon payment of this benefit, no other benefit shall be payable, and the Policy will immediately and automatically terminate. ... Where Payor PPC has been chosen: We shall pay the Death Benefit as the Sum Assured on Death. Further, We shall waive all future Premiums payable and the Policy shall continue till the Maturity with all future benefits accruing as if the Policy was in-force. ... We shall pay Death Benefit equal to Sum Assured on Death plus High Premium Additions, if any, subject to Suicide Exclusion.","sources":[{"clause":"1","heading":"Benefits","page":17,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-1-3"}],"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":"For iAchieve and Flexi iAchieve, maturity benefit is Guaranteed Sum Assured on Maturity plus accrued Guaranteed Additions, if any, plus High Premium Addition, if any. For iAssure and Flexi iAssure, it is accrued Guaranteed Additions, if any, plus High Premium Addition, if any; for Easy iAchieve, it is Guaranteed Sum Assured on Maturity plus High Premium Additions, if any.","display":"iAchieve/Flexi iAchieve: GSAM + accrued Guaranteed Additions + High Premium Addition. iAssure/Flexi iAssure: accrued Guaranteed Additions + High Premium Addition. Easy iAchieve: GSAM + High Premium Additions.","note":null,"quote":"We shall pay Maturity Benefit equal to the Guaranteed Sum Assured on Maturity plus accrued Guaranteed Additions, if any plus High Premium Addition, if any. ... We shall pay Maturity Benefit equal to accrued Guaranteed Additions, if any plus High Premium Addition, if any. ... We shall pay Maturity Benefit equal to Guaranteed Sum Assured on Maturity plus High Premium Additions, if any.","sources":[{"clause":"1","heading":"Benefits","page":17,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-1-3"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"iAchieve, Flexi iAchieve, iAssure and Flexi iAssure are limited premium options with premium payment terms of 5, 7 or 10 years, depending on plan and policy term. Easy iAchieve is a single premium option with premium payment term 1 year.","display":"Limited pay 5, 7 or 10 years; Easy iAchieve single pay","note":"From the sales brochure.","quote":"Premium Payment Term & Policy Term (in years) | Plan Option | Premium Payment Option | Premium Payment Term (Years) | Policy Term* (Years)\niAchieve Flexi iAchieve | Limited Premium Option | 5 | 10,15 & 20\n7 | 12 & 14\n10 | 15 & 20\niAssure Flexi iAssure | Limited Premium Option | 5 | 10 & 15\n7 | 12 & 14\n10 | 15 & 20\nEasy iAchieve | Single Premium Option | 1 | 10, 12, 14, 15 & 20","sources":[{"clause":null,"heading":"Policy Term","page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18888#c-policy-term-9"}],"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 80 years for iAchieve, iAssure, Flexi iAchieve, Flexi iAssure and Easy iAchieve with 1.25 times Single Premium. Maximum maturity age is 65 years for Easy iAchieve with 10 times Single Premium.","display":"80 years; 65 years for Easy iAchieve (10 times Single Premium)","note":"From the sales brochure. Where Payor Premium Protection Cover is chosen, the stated maximum maturity age criteria apply to both the Life Assured and the Policyholder.","quote":"Maturity Age of Life Assured as on Last Birthday (In years) | 18 years | Plan Optoi n | Maturity Age**\niAchieve iAssure Flexi iAchieve Flexi iAssure Easy iAchieve(1.25 times the Single Premium) | 80 years\nEasy iAchieve(10 times the Single Premium) | 65 years","sources":[{"clause":null,"heading":"Policy Term","page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18888#c-policy-term-9"}],"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 the Life Assured or Policyholder where Payor PPC is chosen commits suicide within 12 months from risk commencement or revival while the policy is in force, the nominee receives the higher of 80% of Total Premiums Paid till death or the Surrender Value available on the date of death. The policy then terminates and no further benefit is payable.","display":"Within 12 months: higher of 80% of Total Premiums Paid or Surrender Value","note":null,"quote":"Suicide Exclusion: If the Life Assured /Policyholder (where Payor PPC has been chosen), whether sane or insane, commits suicide within 12 months from the Risk Commencement Date under the Policy or date of Revival of the Policy (provided the Policy is in force), the Nominee of the Policyholder shall be entitled to an amount which is higher of 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death. Upon such payments, the Policy will immediately and automatically terminate, and no further benefit will be payable under the Policy.","sources":[{"clause":"17","heading":"Suicide Exclusion","page":26,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-17-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy may be surrendered anytime. Surrender Value is the higher of Guaranteed Surrender Value or Special Surrender Value, subject to a minimum of zero; non-Easy options acquire GSV after at least the first 2 consecutive years' premiums, while Easy iAchieve acquires GSV from the first Policy Year.","display":"Higher of GSV or SSV, subject to minimum zero; non-Easy GSV after first 2 consecutive years' premiums; Easy iAchieve from first Policy Year","note":"Under iAchieve or iAssure, where Payor PPC benefit has become payable, the policy cannot be surrendered.","quote":"You may surrender the Policy anytime and the Policy acquires Guaranteed Surrender Value (as defined below) in the manner detailed below based on the Plan Option in force under the Policy as specified in the Policy Schedule The Policy acquires a Special Surrender Value (SSV) after completion of first Policy Year provided one full Policy Year’s Premium has been received by Us. . The Surrender Value payable shall be higher of Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV) subject to a minimum of zero. ... GSV: The Policy acquires a Guaranteed Surrender Value (GSV) after payment of at least first 2 consecutive years' Premiums. ... Easy iAchieve | GSV: The Policy acquires a Guaranteed Surrender Value (GSV) from the first Policy Year.","sources":[{"clause":"3.1","heading":null,"page":23,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-3-1"}],"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 the policy enters paid-up status, benefits are reduced. Paid-up Sum Assured on Death, Paid-up Guaranteed Sum Assured on Maturity, Paid-up Guaranteed Income and Paid-up High Premium Addition are calculated as the ratio of Number of Premiums paid to Total number of Premiums payable during the Policy Term multiplied by the respective original benefit; Guaranteed Additions stop accruing once the policy becomes paid-up.","display":"Reduced benefits based on Number of Premiums paid / Total number of Premiums payable; Guaranteed Additions stop accruing once paid-up","note":"The quoted policy wording appears to omit the number before 'first Policy Years' in the paid-up definition.","quote":"Paid-up State/ Paid-up Status means the state of the Policy where You fail to pay due Premiums within the Grace Period after payment of Premiums for at least first Policy Years and benefits are reduced as per the terms and conditions of the Policy. ... Paid-up Guaranteed Income in case of iAssure and Flexi iAssure Plan Option/s is defined as the ratio of (“Number of Premiums paid” to “Total number of Premiums payable during the Policy Term”) multiplied by the Guaranteed Income. ... Paid-up Sum Assured on Death means the ratio of (“Number of Premiums paid” to “Total number of Premiums payable during the Policy Term”) multiplied by the Sum Assured on Death. ... These additions will stop accruing once the Policy becomes Paid-up.","sources":[{"clause":"21","heading":"Paid-up State/ Paid-up Status","page":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-21"},{"clause":"22","heading":null,"page":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-22"},{"clause":"23","heading":"Paid-up Sum Assured on Death","page":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-23"},{"clause":"13","heading":null,"page":14,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-13"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Revival is not applicable to single premium policies. Other policies in lapsed or paid-up state may be revived during the policy term within 5 consecutive complete years from the date of first unpaid premium, by request, payment of unpaid premiums with interest and evidence of insurability/health to the insurer's satisfaction.","display":"5 consecutive complete years from the date of first unpaid Premium; not applicable to single premium policies","note":null,"quote":"Revival Period means the period of 5 consecutive complete years from the date of first unpaid of Premium, ... Revival: Not applicable to Single Premium Policies. You may revive the Policy in Lapsed State or Paid-up State by giving Us a request and paying all due unpaid installments of Premium with interest, calculated on simple interest basis, at the rate specified by Us subject to completing other requirements as may be stipulated by Us, within the Revival Period (refer to Clause 37 of Part B) and during the Policy Term provided no claim has arisen under the Policy due to the death of the Life Assured.","sources":[{"clause":"36","heading":"Revival Period","page":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-36"},{"clause":"4","heading":"Revival","page":24,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-4-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Policy loans are available if the policy is in-force, has acquired surrender value, is not in paid-up state and Payor PPC has not already been affected. Minimum loan amount is ₹20,000 and maximum loan amount is 80% of Surrender Value; applicable loan interest for FY 2026-27 is 7.80% per annum.","display":"Available after surrender value; min ₹20,000, max 80% of Surrender Value; 7.80% p.a. for FY 2026-27","note":null,"quote":"Policy Loan: 5.1 You may apply for a loan as per the loan application terms and conditions, subject to the following conditions: a) the Policy should have been in-force while applying for a loan. b) the Policy should have acquired Surrender Value as per Clause 3 of Part D. c) the Policy should not have been in Paid-up State. d) the benefit under Payor PPC Benefit should have not been already affected under the Policy. ... a) The minimum loan amount disbursed shall be ₹20,000. b) The maximum loan amount will not exceed 80% of the Surrender Value as applicable on the date of disbursement of the loan. ... The applicable interest rate for the financial year 2026-27 is 7.80% per annum.","sources":[{"clause":"5","heading":"Policy Loan","page":24,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-5-2"}],"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":["Payor Premium Protection Cover (Payor PPC)"],"display":"Payor Premium Protection Cover (Payor PPC) under iAchieve and iAssure","note":"This is described as an additional benefit, not as a rider.","quote":"Under the Plan Options “iAchieve” & “iAssure”, the following additional benefit is available if chosen by You:\nPayor Premium Protection Cover (Payor PPC): Under this benefit, in case of death of the Policyholder anytime during the Policy Term, provided all due Premiums have been paid and the Policy is in-force, all the future Premiums payable shall be waived off and the benefits under the Policy shall be payable as detailed below.","sources":[{"clause":"1","heading":"Benefits","page":17,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-1-3"}],"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 policy of life insurance 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 for fraud or material misstatement/suppression, with written communication of grounds and materials.","display":"Cannot be called in question after three years; within three years for fraud or material misstatement with grounds communicated","note":null,"quote":"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:","sources":[{"clause":"1","heading":null,"page":32,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-1-6"}],"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 under the policy are as per prevailing Income Tax laws and may change; the policyholder should contact an independent tax advisor for tax queries.","display":"Tax benefits as per prevailing Income Tax laws, subject to amendments","note":null,"quote":"Tax benefits under the Policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, please contact Your independent tax advisor.","sources":[{"clause":null,"heading":"Payment Related Information","page":11,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-payment-related-information"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from receipt of the Policy Document","note":null,"quote":"Free-look period: If You do not agree with the terms and conditions of the Policy or otherwise and have not made any claim, You can opt for cancellation of the Policy by submitting a written request to the Company providing reasons for non-acceptance within a period of thirty (30) days from the date of receipt of the Policy Document, whether received electronically or otherwise (whichever is earlier).","sources":[{"clause":"8","heading":"Free-look period","page":25,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-8-2"}],"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 annual, half yearly and quarterly modes; 15 days for monthly mode","note":"15 days applies for monthly mode.","quote":"You are provided with a Grace Period of 15 days for monthly mode and 30 days for all other modes, i.e. annual, half yearly and quarterly modes from Premium due date to pay due Premium.","sources":[{"clause":"12","heading":"Grace Period","page":14,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-12"}],"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 for the Life Assured is 0 years. Maximum entry age is 65 years for iAchieve, iAssure, Flexi iAchieve, Flexi iAssure and Easy iAchieve with 1.25 times Single Premium, and 45 years for Easy iAchieve with 10 times Single Premium; with Payor PPC, minimum Policyholder entry age is 18 years and maximum entry age is 55 years for both Life Assured and Policyholder.","display":"Life Assured: 0 to 65 years; Easy iAchieve (10 times Single Premium): up to 45 years; Payor PPC: Policyholder minimum 18 years and maximum 55 years for both lives","note":"From the sales brochure.","quote":"Entry Age of Life Assured as on Last Birthday (In years) | 0 years | Plan Optoi n | Entry Age *\niAchieve iAssure Flexi iAchieve Flexi iAssure Easy iAchieve(1.25 times the Single Premium) | 65 years\nEasy iAchieve(10 times the Single Premium) | 45 years ... Where Payor Premium Protection Cover has been chosen, the minimum entry age of the Policyholder will be 18 years (age last birthday).\n*Where Payor Premium Protection Cover has been chosen, Maximum Age at entry is 55 years is applicable for both the Life Assured as well as the Policyholder.","sources":[{"clause":null,"heading":"Policy Term","page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18888#c-policy-term-9"}],"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":["Single","Monthly","Quarterly","Half-Yearly","Yearly"],"display":"Single, Monthly, Quarterly, Half-Yearly, Yearly","note":"Single premium applies to Easy iAchieve.","quote":"Premium Payment Mode: <Single/ Monthly/ Quarterly/ Half-Yearly/ Yearly>","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18881#c-customer-information-sheet-know-your-policy-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":["Single Premium","Limited Premium"],"display":"Single Premium for Easy iAchieve; Limited Premium for other variants","note":"The limited premium term options are from the sales brochure.","quote":"Single Premium will be applicable for Easy iAchieve, for other variants Instalment Premium in Year 1 will be applicable ... iAchieve Flexi iAchieve | Limited Premium Option | 5 | 10,15 & 20 ... Easy iAchieve | Single Premium Option | 1 | 10, 12, 14, 15 & 20","sources":[{"clause":"Row 4","heading":"Basic Policy details","page":1,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18881#c-row-4"},{"clause":null,"heading":"Policy Term","page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18888#c-policy-term-9"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"quote-verified","value":"Guaranteed benefits include Guaranteed Sum Assured, Guaranteed Sum Assured on Maturity, Guaranteed Additions and Guaranteed Income depending on the plan option. For non-Easy options, Guaranteed Sum Assured is 11 times Annualized Premium; for iAchieve and Flexi iAchieve, Guaranteed Sum Assured on Maturity is 100% of total premiums payable excluding rider premiums, underwriting extras and taxes; for iAssure and Flexi iAssure, Guaranteed Additions are 30% of Annualized Premium in each of the last five policy years.","display":"Guaranteed Sum Assured, Guaranteed Sum Assured on Maturity, Guaranteed Additions and Guaranteed Income, depending on plan option","note":"Amounts and percentages can vary by plan option, age, policy term, premium payment term and Payor PPC applicability as stated in the policy schedule.","quote":"Guaranteed Sum Assured in case of iAssure & Flexi iAssure, iAchieve & Flexi iAchieve Plan Option/s, is defined as 11 times the Annualized Premium. ... Guaranteed Sum Assured on Maturity in case of iAchieve & Flexi iAchieve Plan Options is defined as the 100% of total Premiums payable under the Policy, excluding rider premiums, underwriting extra premiums and taxes. ... For iAssure & Flexi iAssure Plan Option/s, these Guaranteed Additions will be calculated as an additional benefit equal to 30% of the Annualized Premium which will accrue at the beginning of each Policy Year in the last five years of the Policy Term, provided all due premiums have been paid and the Policy is in-force. ... Guaranteed Income in case of iAssure & Flexi iAssure Plan Option/s, means the amount payable as per Part C and as mentioned in the Policy Schedule.","sources":[{"clause":"15","heading":null,"page":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-15"},{"clause":"39","heading":null,"page":16,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-39"},{"clause":"13","heading":null,"page":14,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-13"},{"clause":"14","heading":"Guaranteed Income in case of iAssure & Flexi iAssure Plan Option/s,","page":14,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-14"}],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"quote-verified","value":"The plan is non-participating, so the documents do not state any participating bonus.","display":"Non-Participating; no bonus stated","note":null,"quote":"A Non-Linked Non-Participating Individual Savings Life Insurance Plan","sources":[{"clause":null,"heading":"Canara HSBC Life Insurance iSelect Guaranteed Future","page":2,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-canara-hsbc-life-insurance-iselect-guaranteed-fu"}],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":"The provided clauses include case studies but do not state IRDAI 4% and 8% benefit illustration returns.","quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"quote-verified","value":"For iAssure and Flexi iAssure, Survival Benefit is paid at the end of each Policy Year after completion of the Premium Payment Term and equals the Guaranteed Income while the policy is in force. For iAchieve, Flexi iAchieve and Easy iAchieve, survival benefits excluding maturity are not applicable.","display":"iAssure/Flexi iAssure: Guaranteed Income at the end of each Policy Year after PPT; other options: not applicable","note":null,"quote":"Survival | Upon survival of the Life Assured at the end of each Policy Year post the completion of the PPT, provided that the Policy is in-force. | We shall pay Survival Benefit equal to the Guaranteed Income. ... Survival benefits excluding that payable on maturity: Following is applicable for an in-force policy: <iAssure and Flexi iAssure> At the end of each policy year post completion of premium payment term, Guaranteed Income will be paid <iAchieve and Flexi iAchieve and Easy iAchieve> Not applicable","sources":[{"clause":"1","heading":"Benefits","page":17,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884#c-1-3"},{"clause":null,"heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18881#c-customer-information-sheet-know-your-policy-2"}],"law":[]}],"documents":[{"kind":"wording","label":"iSelect Guaranteed Future Policy Document","pages":33,"fetched_at":"2026-10-20 00:34:51+00","source_url":"https://www.canarahsbclife.com/content/dam/chli/pdf/saving-plans/iselect-guaranteed-future/policy-document.pdf","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18884"},{"kind":"cis","label":"iSelect Guaranteed Future Customer Information Sheet","pages":6,"fetched_at":"2026-10-20 00:34:55+00","source_url":"https://www.canarahsbclife.com/content/dam/chli/pdf/saving-plans/iselect-guaranteed-future/customer-information-sheet.pdf","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18881"},{"kind":"brochure","label":"iSelect Guaranteed Future Product Brochure","pages":18,"fetched_at":"2026-10-20 00:35:25+00","source_url":"https://www.canarahsbclife.com/content/dam/chli/pdf/saving-plans/iselect-guaranteed-future/product-brochure.pdf","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08/document/18888"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Canara HSBC Life Insurance official website","url":"https://www.canarahsbclife.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.canarahsbclife.com/customer-service/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","url":"https://www.canarahsbclife.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"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":"iSelect Guaranteed Future (UIN 136N081V08), IndiaInsurances, https://indiainsurances.com/policy/canara-hsbc-life-insurance/iselect-guaranteed-future-136n081v08"}