{"uin":"136N084V05","name":"Guaranteed Fortune Plan","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05","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":"Guaranteed Fortune Plan is a non-linked, non-participating individual life insurance savings plan with Guaranteed Savings and Guaranteed Cash Back options. Death claims are promised within 15 days from intimation, or 45 days if investigation is required.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:37:59.18642+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":["Guaranteed Savings Option","Guaranteed Cash Back Option"],"display":"Guaranteed Savings Option; Guaranteed Cash Back Option","note":null,"quote":"Canara HSBC Life Insurance Guaranteed Fortune Plan Plan Option < Guaranteed Savings Option / Guaranteed Cash Back Option > UIN 136N084V05","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/guaranteed-fortune-plan-136n084v05/document/18898#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":"Policy terms shown are 10, 12, 15, 20, 25 and 30 years.","display":"10, 12, 15, 20, 25 and 30 years","note":"The quoted table is for Guaranteed Cash Back timing by policy term.","quote":"The following table summarizes the timing and amount of each Guaranteed Cash Back for different Policy Terms:\nPolicy Term | Guaranteed Cash Back Payout Period | Amount of each Guaranteed Cash Back\n10 | At the end of 5th Policy Year | 15% of GSAM*\n12, 15 | At the end of 5th, 10th Policy Year | 15% of GSAM*\n20 | At the end of 5th, 10th, 15th Policy Year | 15% of GSAM*\n25 | At the end of 5th, 10th, 15th, 20th Policy Year | 15% of GSAM*\n30 | At the end of 5th, 10th, 15th, 20th, 25th Policy Year | 15% of GSAM*","sources":[{"clause":"Part B(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-part-b-c"}],"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 death claims, the Beneficiary or Claimant should inform the insurer in writing immediately within 90 days of death. Delay may be condoned if the insurer is satisfied that the delay was beyond the Beneficiary or Claimant’s control.","display":"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 endeavour to inform Us in writing immediately within a period of 90 days of such death through the Claim Form along with the following documents: ... If We do not receive the notification of death within 90 days, We may condone the delay if We are satisfied that the delay was for reasons beyond the Beneficiary /Claimant’s control and pay the claim specified under the Policy to the Beneficiary /Claimant.","sources":[{"clause":"18.2","heading":"Death Claim Procedure","page":16,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-18-2"},{"clause":"18.2(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-18-2-i"}],"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","Any other documents including KYC","Policy Document","Death certificate issued by the appropriate government authority","Attested copy of 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","All Hospital records/ other medical records","Post-mortem/ chemical viscera report, wherever conducted","Police records including First information report, panchnama, police investigation report and final police report only in case of unnatural or death due to Accident"],"display":"Maturity: bank details, FEMA/KYC or other documents. Death: policy document, death certificate, identity/address proof, claim forms, medical records, post-mortem/viscera if 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":"18.1","heading":"Maturity Claim Procedure","page":16,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-18-1"},{"clause":"18.2(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-18-2-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 are to be settled within 15 days from the date of intimation, except cases warranting investigation, which are to be settled within 45 days from the date of intimation. CARE Pay benefit is to be paid within 2 working days from receipt of the applicable claim documents.","display":"Death claims: 15 days from intimation; 45 days if investigation is required. CARE Pay: 2 working days from receipt of applicable claim documents.","note":null,"quote":"Death 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 ... We will pay the CARE Pay benefit to the Claimant within 2 working days from date of receipt of the applicable Claim documents as mentioned above.","sources":[{"clause":"18.2(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-18-2-i"},{"clause":"1.2","heading":"Death Benefit","page":11,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-1-2-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide Clause: If the Life Assured, whether sane or insane, commits suicide within 12 months from the Risk Commencement Date under the Policy (provided the Policy is in force) or date of Revival of the Policy, 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."],"display":"Suicide within 12 months from risk commencement or revival is limited to the higher of 80% of total premiums paid till death or surrender value.","note":null,"quote":"Suicide Clause: If the Life Assured, whether sane or insane, commits suicide within 12 months from the Risk Commencement Date under the Policy (provided the Policy is in force) or date of Revival of the Policy, 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":"Exclusions","page":16,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-17"}],"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 complain to the Complaint Redressal Unit by website, resolution centre, Grievance Officers at Hub locations, or by writing to the Complaint Redressal Unit. If not satisfied or if there is no response, escalate 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":"Part G","heading":null,"page":17,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-part-g"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum Assured on Death is the higher of 11 times the Annualized Premium, 105% of Total Premiums Paid, Guaranteed Sum Assured on Maturity, or the Absolute amount assured to be paid on death. The absolute amount assured on death equals Annualized Premium multiplied by the Death Benefit Factor specified in the Policy Schedule.","display":"Higher of 11 times Annualized Premium, 105% of Total Premiums Paid, Guaranteed Sum Assured on Maturity, or Absolute amount assured on death","note":null,"quote":"Absolute amount assured to be paid on death (Sum Assured) means the amount assured to be paid on death of the Life Assured which is equal to Annualized Premium multiplied by the Death Benefit Factor, as specified in the Policy Schedule. ... Sum Assured on Death means an amount equal to the higher of: ... i) 11 times the Annualized Premium; or ... ii) 105% of Total Premiums Paid, or ... iii) Guaranteed Sum Assured on Maturity; or ... iv) Absolute amount assured to be paid on death (Sum Assured)","sources":[{"clause":"Part B","heading":"Glossary of Important Terms","page":9,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-part-b"},{"clause":"Part B(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-part-b-c"},{"clause":"Part B(c)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-part-b-c-i"},{"clause":"Part B(c)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-part-b-c-ii"},{"clause":"Part B(c)(iii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-part-b-c-iii"},{"clause":"Part B(c)(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-part-b-c-iv"}],"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 an in-force Guaranteed Savings Option policy, death benefit is Sum Assured on Death less CARE Pay Benefit already paid, if any, plus accrued Guaranteed Yearly Additions, if any. For an in-force Guaranteed Cash Back Option policy, it is Sum Assured on Death less CARE Pay Benefit already paid, if any, plus Deferred Survival Benefit, if any, plus accrued Guaranteed Yearly Additions, if any.","display":"Guaranteed Savings: Sum Assured on Death less CARE Pay already paid plus accrued Guaranteed Yearly Additions. Guaranteed Cash Back: Sum Assured on Death less CARE Pay already paid plus Deferred Survival Benefit plus accrued Guaranteed Yearly Additions.","note":"Benefits are subject to suicide exclusion and deduction of outstanding loan amounts including interest, if any.","quote":"If the death of the Life Assured occurs during the Policy Term while the Policy is in-force at the time of death, we will pay the following;\ni) Sum Assured on Death less CARE Pay Benefit already paid, if any; plus\nii) Accrued Guaranteed Yearly Addition(s), if any. ... If the death of the Life Assured occurs during the Policy Term while the Policy is in-force at the time of death, we will pay the following;\ni) Sum Assured on Death less CARE Pay Benefit already paid, if any; plus\nii) Deferred Survival Benefit, if any, plus\niii) Accrued Guaranteed Yearly Addition(s), if any.","sources":[{"clause":"1.2.1","heading":"Plan Option - Guaranteed Savings Option","page":11,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-1-2-1"},{"clause":"1.2.2","heading":"Plan Option - Guaranteed Cash Back Option","page":12,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-1-2-2-2"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"For an in-force Guaranteed Savings Option policy, maturity benefit is Guaranteed Sum Assured on Maturity plus accrued Guaranteed Yearly Additions, if any. For an in-force Guaranteed Cash Back Option policy, it is Guaranteed Sum Assured on Maturity less Survival Benefit already paid, if any, plus Deferred Survival Benefit, if any, plus accrued Guaranteed Yearly Additions, if any.","display":"Guaranteed Savings: GSAM plus accrued Guaranteed Yearly Additions. Guaranteed Cash Back: GSAM less Survival Benefit already paid plus Deferred Survival Benefit plus accrued Guaranteed Yearly Additions.","note":null,"quote":"Upon survival of Life Assured till the end of the Policy Term and where the Policy is in-force, We will pay the following benefits upon the maturity of the Policy, after deducting outstanding loan amounts including interest, if any:\ni) Guaranteed Sum Assured on Maturity; plus\nii) Accrued Guaranteed Yearly Addition(s), if any ... Upon survival of Life Assured till the end of the Policy Term and where the Policy is in-force, We will pay the following benefits upon the maturity of the Policy after deducting outstanding loan amounts including interest, if any:\ni) Guaranteed Sum Assured on Maturity, less Survival Benefit already paid, if any, plus\nii) Deferred Survival Benefit, if any; plus\niii) Accrued Guaranteed Yearly Addition(s), if any","sources":[{"clause":"1.1.1","heading":"Plan Option - Guaranteed Savings Option","page":11,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-1-1-1"},{"clause":"1.1.2","heading":"Plan Option - Guaranteed Cash Back Option","page":11,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-1-1-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The policy schedule contains a placeholder for Premium Payment Term, but the available clauses do not print the selectable premium paying terms.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"From the sales brochure, maturity age of the Life Assured is minimum 18 years. One brochure block shows maximum 65 years and another shows maximum 75 years.","display":"Minimum 18 years; maximum 65 years or 75 years in different brochure blocks","note":"From the sales brochure. The extracted brochure text shows two parameter blocks with different maximum maturity ages, without enough context in the clauses to separate the variants.","quote":"Maturity Age\nof Life Assured | 18 | 65\nas on Last | years | years\nBirthday (In years) ... Maturity Age\nof Life Assured | 18 | 75\nas on Last | years | years\nBirthday (In years)","sources":[{"clause":null,"heading":"0^ 1 2 3 4 5 6 7 8 9 10 11","page":7,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18932#c-0-1-2-3-4-5-6-7-8-9-10-11"}],"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, whether sane or insane, commits suicide within 12 months from the Risk Commencement Date while the policy is in force, or within 12 months from revival, the nominee is entitled to 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 till death or Surrender Value; policy terminates","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide within 12 months from the Risk Commencement Date under the Policy (provided the Policy is in force) or date of Revival of the Policy, 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":"Exclusions","page":16,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-17"}],"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. It acquires Guaranteed Surrender Value after payment of premiums for at least the first 2 consecutive policy years, and Special Surrender Value after completion of the first policy year if one full policy year’s premium has been received. The Surrender Benefit is the higher of GSV or SSV, subject to a minimum of zero, after deducting outstanding loan including interest.","display":"Surrender anytime; GSV after first 2 consecutive policy years’ premiums; SSV after first policy year with one full year’s premium; higher of GSV or SSV","note":null,"quote":"You may surrender the Policy anytime and the Policy acquires Guaranteed Surrender Value (as defined below) after payment of Premiums for at least first 2 consecutive Policy Years. 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 Benefit will be higher of GSV (Guaranteed Surrender Value) or SSV (Special Surrender Value) subject to a minimum of zero. The Surrender Value payable will be paid after deducting outstanding loan amount including interest, if any.","sources":[{"clause":"3.1","heading":null,"page":13,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#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 premiums are not paid within the grace period after payment of premiums for at least the first policy year, the policy enters Paid-up State. No further premiums are payable and benefits are reduced; if not revived within the Revival Period, the paid-up policy continues as per the policy terms until a valid surrender request is submitted.","display":"After first policy year premiums, missed premium within grace period leads to Paid-up State with reduced benefits","note":null,"quote":"Paid-up State 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 Year, in which state no further Premiums are payable and benefits are reduced as per the terms and conditions of the Policy. ... However, if the Policy in Paid-up State is not revived within the Revival Period, then the Policy shall continue as per the terms and conditions of the Policy until a valid request of Surrender is submitted to Us.","sources":[{"clause":"Part B(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-part-b-c"},{"clause":"2.3","heading":"Non-payment of Premium","page":13,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-2-3"}],"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 Period is 5 consecutive complete years from the date of first unpaid premium. Revival requires a request, payment of unpaid premiums with interest, and other requirements within the Revival Period and during the policy term, provided no death claim has arisen.","display":"5 consecutive complete years from the date of first unpaid Premium","note":null,"quote":"Revival Period means the period of 5 consecutive complete years from the date of first unpaid Premium. ... 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 at the rate specified by Us subject to completing other requirements as may be stipulated by Us, within the Revival Period (refer to 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":"Part B(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-part-b-c"},{"clause":"4","heading":"Revival","page":13,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-4"}],"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 loan may be applied for if the policy is in force, has acquired surrender value, is not in Paid-up State, and 100% of deferred Survival Benefit, if any, is utilised. Minimum loan is ₹20,000 and maximum loan is 80% of Surrender Value after utilising 100% of Deferred Survival Benefit, if any.","display":"Loan available; minimum ₹20,000; maximum 80% of Surrender Value after utilising deferred Survival Benefit","note":null,"quote":"You may apply for a loan as per 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) 100% of deferred Survival Benefit, if any, shall be utilized 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, after utilizing 100% of the Deferred Survival Benefit (if any).","sources":[{"clause":"5.1","heading":null,"page":14,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-5-1"},{"clause":"5.2(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-5-2-a"},{"clause":"5.2(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-5-2-b"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after three years from the date of the policy, commencement of risk, revival, or rider, whichever is later. Within three years it may be questioned for fraud, with written communication of grounds and materials.","display":"After three years, policy not to be called in question on any ground; within three years, fraud grounds must be communicated in writing","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:\nProvided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based.","sources":[{"clause":"1","heading":null,"page":21,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-1-8"}],"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":"The document says tax benefits depend on current tax laws and may change, and advises consulting an independent tax advisor.","display":"Tax benefits depend on current tax laws and may change","note":null,"quote":"Tax benefits depend on current tax laws and may change. For advice, please consult your independent tax advisor.","sources":[{"clause":null,"heading":"Payment Related Information","page":6,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#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","note":"Refund is subject only to deduction of proportionate risk premium for life cover period, stamp duty and medical expenses, if any.","quote":"within the Free-Look period of 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":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-8"}],"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","note":"Monthly mode has 15 days.","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":"2.4","heading":"Grace Period","page":13,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-2-4"}],"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":"From the sales brochure, minimum entry age is 0 years. One brochure block shows maximum entry age of 55 years for Guaranteed Savings Option and 50 years for Guaranteed Cash Back Option; another shows 60 years for Guaranteed Savings Option and 55 years for Guaranteed Cash Back Option.","display":"Minimum 0 years; maximum 55/50 years or 60/55 years in different brochure blocks","note":"From the sales brochure. The extracted brochure text shows two parameter blocks with different maximum entry ages, without enough context in the clauses to separate the variants.","quote":"Entry Age of Life | 0 | Guaranteed Savings\nAssured as on Last | years | Option: 55 years\nBirthday (In years) | Guaranteed Cash Back\nOption: 50 years ... Entry Age of Life | Guaranteed Savings\nAssured as on Last | years | Option: 60 years\nBirthday (In years) | Guaranteed Cash Back\nOption: 55 years","sources":[{"clause":null,"heading":"0^ 1 2 3 4 5 6 7 8 9 10 11","page":7,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18932#c-0-1-2-3-4-5-6-7-8-9-10-11"}],"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":["monthly mode","annual","half yearly","quarterly"],"display":"Monthly, annual, half yearly and quarterly","note":null,"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":"2.4","heading":"Grace Period","page":13,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900#c-2-4"}],"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":"not-stated","value":null,"display":null,"note":"The clauses refer to paying premiums during the Premium Payment Term, but do not classify the product as single premium, regular premium or limited premium.","quote":null,"sources":[],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Guaranteed Fortune Plan Policy Document","pages":24,"fetched_at":"2026-10-20 00:35:52+00","source_url":"https://www.canarahsbclife.com/content/dam/chli/pdf/guaranteed-fortune-plan-forms/policy-document.pdf","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18900"},{"kind":"cis","label":"Guaranteed Fortune Plan Customer Information Sheet","pages":5,"fetched_at":"2026-10-20 00:35:55+00","source_url":"https://www.canarahsbclife.com/content/dam/chli/pdf/guaranteed-fortune-plan-forms/customer-information-sheet.pdf","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18898"},{"kind":"brochure","label":"Guaranteed Fortune Plan Product Brochure","pages":17,"fetched_at":"2026-10-20 00:36:52+00","source_url":"https://www.canarahsbclife.com/content/dam/chli/pdf/guaranteed-fortune-plan-forms/product-brochure.pdf","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05/document/18932"}],"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":"Guaranteed Fortune Plan (UIN 136N084V05), IndiaInsurances, https://indiainsurances.com/policy/canara-hsbc-life-insurance/guaranteed-fortune-plan-136n084v05"}