{"uin":"140L093V01","name":"Pramerica Life Invest Shield","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01","insurer":{"slug":"pramerica-life-insurance","name":"Pramerica Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/pramerica-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Pramerica Life Invest Shield is a unit linked non-participating individual saving life insurance plan with Classic and Pro plan options. It has a five year lock-in period, death benefit as the higher of sum assured, fund value or 105% of total premiums paid, and loan facility is not available.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:59:15.095254+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":["Classic (With Allocation Charge)","Pro (Without Allocation Charge)"],"display":"Classic (With Allocation Charge); Pro (Without Allocation Charge)","note":null,"quote":"This is a unit linked non-participating individual saving life\nLimited Pay | 15%\ninsurance plan that provides two Plan Options:\nRegular Pay | 8%\n• Classic (With Allocation Charge)\n• Pro (Without Allocation Charge)","sources":[{"clause":"Part C","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-c"}],"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 available are 25, 30, 35 or 40 years.","display":"25, 30, 35 or 40 years","note":"From the sales brochure.","quote":"Policy Term & Premium Payment Term ( PPT) | The following Policy Terms (PTs) and corresponding Premium Payment Terms (PPTs) are available under the products PPT/PT 25 30 35 40","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-eligibility-conditions"}],"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":"The Company must be immediately notified of the Life Insured’s death in writing.","display":"Immediately, in writing","note":null,"quote":"In order for the Company to make any payment under the Policy, it is necessary that the Company:\na) Is immediately notified of the Life Insured’s death in writing.","sources":[{"clause":"Part F","heading":null,"page":16,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-f"}],"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":["The Company’s Death Claim Form duly completed","The original Policy Document","The original or a legalised copy of the Death Certificate","Claimant’s Identity proof, Address proof and banking details","Discharge summary and all other past hospital records","Completed Last Medical Attendant's Report","Copy of First Information Report and the Final Police Investigation Report","Copy of Post-Mortem Report","The Claimant's proof of entitlement to receive payment under the Policy","NEFT Mandate","Cancelled cheque","KYC Documents"],"display":"Death claim form, policy document, death certificate, claimant KYC and bank details, hospital records, Last Medical Attendant's Report; FIR/final police report and post-mortem report for unnatural death; maturity claim documents include proof of entitlement, policy document, NEFT mandate, cancelled cheque and KYC documents.","note":null,"quote":"Basic documentation if death is due to natural Cause\ni) The Company’s Death Claim Form duly completed\nii) The original Policy Document (not necessary in case of dematerialized policy document)\niii) The original or a legalised copy of the Death Certificate\niv) Claimant’s Identity proof, Address proof and banking details\nv) Discharge summary and all other past hospital records\nvi) Completed Last Medical Attendant's Report\nAdditional documents, if death is due to Un-natural reasons:\ni. Copy of First Information Report and the Final Police Investigation Report\nii. Copy of Post-Mortem Report ... The Company shall be under no obligation to make any payment w.r.t. Maturity Benefit unless and until the Company has received from the Claimant the information and documentation it requests, including but not limited to:\na) The Claimant's proof of entitlement to receive payment under the Policy.\nb) Original Policy Document. ... Basic documentation for Maturity Claim:\na) NEFT Mandate\nb) Cancelled cheque\nc) KYC Documents","sources":[{"clause":"Part F","heading":null,"page":16,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-f"}],"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 claim settlement is 15 days without investigation and 45 days with investigation, counted from the date of intimation of claim.","display":"15 days without investigation; 45 days with investigation, from the date of intimation of claim","note":"Stated in the Customer Information Sheet.","quote":"• Death Claim Settlement without Investigation from the date of intimation of claim -15 days\n• Death Claim Settlement with Investigation from the date of intimation of claim -45 days","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":2,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14438#c-customer-information-sheet-know-your-policy-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":["At inception of the Policy - Suicide within 12 months from the date of commencement of risk","Revival of the Policy - Suicide within 12 months from the date of revival"],"display":"Suicide within 12 months from commencement of risk or revival","note":"The policy wording provides a specific suicide payout rather than no payout.","quote":"9 | Exclusions (events where insurance coverage is not payable), if any. | At inception of the Policy - Suicide within 12 months from the date of commencement of risk Revival of the Policy - Suicide within 12 months from the date of revival | Part C – Section One","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":2,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14438#c-customer-information-sheet-know-your-policy-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 cover multiple multiplied by Annualized Premium. From the sales brochure, the minimum base cover multiple is 7 times AP for age less than 50 and 5 times AP for age 50 and above, with maximum subject to BAUP and up to 100 times annualized premium depending on age, premium, premium payment term and policy term.","display":"Cover Multiple × Annualized Premium; minimum 7 times AP for age <50 and 5 times AP for age >=50; up to 100 times annualized premium","note":"Minimum and maximum cover multiple details are from the sales brochure.","quote":"Sum Assured on Death- is defined as Sum Assured, which is equal to Cover Multiple multiplied by Annualized Premium and is considered for the determination of Death Benefit. ... Base Cover Multiple | Age<50 | Age > | =50\nMin | 7 times of AP$ | 5 tim | es of AP$\nMax | Subject to | BAUP ... *Up to 100 times of annualized premium, that varies basis the age, premium, Premium Payment term and Policy term.","sources":[{"clause":"Row 4","heading":"Basic Policy details","page":1,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14438#c-row-4"},{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-eligibility-conditions"},{"clause":null,"heading":"TAKE THE DECISION TO PROTECT","page":21,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-take-the-decision-to-protect"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"If the Life Insured dies before maturity while the policy is in force for full benefits, the death benefit is the higher of Sum Assured including Top-up Sum Assured, Fund Value including Top-up Fund Value, or 105% of total premiums paid including Top-up premium till date of death. If the policy is in the Discontinued Policy Fund, the death benefit is the value of units in that fund.","display":"Higher of Sum Assured, Fund Value, or 105% of total premiums paid; if in Discontinued Policy Fund, value of units in that fund","note":"Sum Assured is reduced to the extent of partial withdrawals made in the last 2 years immediately preceding death; partial withdrawals from Top-Up premium are not reduced for this purpose.","quote":"If the Life Insured dies at any time before the Maturity Date, while the Policy is in force for full Policy benefits, the Company shall pay the following benefit.\nFor both plan options:\nHigher of Sum Assured* (including Top-up Sum Assured, if any) or Fund Value (including Top-up Fund Value, if any) or 105% of the total premiums paid (including Top-up premium, if any) till ... If the Life Insured dies at any time before the Maturity Date, while the Policy is in Discontinued Policy Fund, the Company will pay the death benefit equal to the value of Units in the Discontinued Policy Fund.","sources":[{"clause":"Part C(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-c-a"}],"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":"On maturity, the Fund Value including value of Top-Up Units as at that date is paid, unless the policyholder has opted for the Settlement Option.","display":"Fund Value including Top-Up Units, unless Settlement Option is chosen","note":null,"quote":"b) Benefit Payable on Maturity (For Both Option) On the Maturity of the Policy, the Fund Value including value of Top-Up Units as at that date shall be paid, unless the Settlement Option has been opted by the Policyholder in accordance with the terms and conditions of the Policy.","sources":[{"clause":"Part C(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-c-b"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying terms available are 5, 7, 10 or 12 years, or Regular Pay.","display":"5, 7, 10, 12 years or Regular Pay","note":"From the sales brochure.","quote":"Policy Term & Premium Payment Term ( PPT) | The following Policy Terms (PTs) and corresponding Premium Payment Terms (PPTs) are available under the products PPT/PT 25 30 35 40 5 7 10 12 Regular Pay","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-eligibility-conditions"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The maturity age range is 25 to 80 years, so the maximum maturity age is 80 years.","display":"25 to 80 years","note":"From the sales brochure.","quote":"Maturity Age## | 25 to 80 years","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-eligibility-conditions"}],"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":"For death due to suicide within 12 months from commencement or revival, the nominee or beneficiary is entitled to the fund value as available on the date of intimation of death. Charges other than FMC and guarantee charges recovered after death are added back to that fund value.","display":"Within 12 months, fund value as on date of intimation of death; charges other than FMC and guarantee charges after death added back","note":null,"quote":"In case of death due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable, the nominee or the beneficiary of the policyholder shall be entitled to the fund value, as available on the date of intimation of death. Further any charges other than fund management charges (FMC) and guarantee charges recovered subsequent to the date of death shall be added back to the fund value as available on the date of intimation of death..","sources":[{"clause":"Part C(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-c-a"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy acquires surrender value immediately from the first policy year, but no surrender value is payable during the five-year lock-in period. If surrendered within the first five policy years, fund value less discontinuance charges goes to the Discontinued Policy Fund and is paid at the end of the lock-in period; after the fifth policy year, Fund Value if any is paid with no surrender penalty.","display":"Acquires immediately; not payable during five-year lock-in; within first five years proceeds paid at end of lock-in; after fifth year Fund Value paid with no surrender penalty","note":null,"quote":"A policy issued under this plan will acquire surrender value immediately from first policy year. However, no surrender value will be payable during the “lock in period”, which is a period of five consecutive Policy years from the date of commencement of the Policy. ... If the Policyholder opts for surrender within first five Policy years, the Fund Value after deducting the applicable discontinuance charges, shall be credited to the Discontinued Policy Fund and the risk cover and rider cover, if any, shall cease ... The proceeds from the Discontinued Policy Fund shall be paid at the end of lock in period. ... If the Policyholder opts for surrender after the completion of the fifth policy year, the Fund Value if any will be paid. No surrender penalty will be levied and policy surrender will extinguish all rights, benefits and interests under the policy.","sources":[{"clause":"Part D(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-a-7"},{"clause":"Part D(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-b-7"},{"clause":"Part D(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-c-3"},{"clause":"Part D(e)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-e-3"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"After the lock-in period, if premiums are not paid after the grace period, the policy converts into reduced paid-up status with paid-up sum assured based on the ratio of premiums already paid to the maximum period for which premiums were originally payable. The policy continues in reduced paid-up status without rider cover, with charges deducted and mortality charges based on the reduced paid-up sum assured.","display":"After lock-in, reduced paid-up with sum assured proportionate to premiums paid; no rider cover","note":null,"quote":"Upon expiry of the grace period, in case of discontinuance of policy due to non-payment of premium after lock in period, the policy shall be converted into a reduced paid up policy with the paid-up sum assured multiplied by a ratio of “total period for which premiums have already been paid” to the “maximum period for which premiums were originally payable” as per the terms and conditions of the policy. The policy shall continue to be in reduced paid up status, without any rider cover, if available. All charges as per terms and conditions of the policy shall be deducted during the revival period. However, the mortality charges shall be deducted based on the reduced paid up sum assured only.","sources":[{"clause":"Part C(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-c-a-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":"A discontinued policy can be revived within three years from the date of first unpaid premium, subject to payment of overdue premiums and the Company's underwriting policy.","display":"Within three years from date of first unpaid premium","note":null,"quote":"Section One: Revival The Policyholder has the option to revive the discontinued Policy within three years from date of first unpaid premium, subject to payment of overdue premiums and the underwriting policy of the Company.","sources":[{"clause":"Part D","heading":null,"page":7,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loan facility is not available under this policy.","display":"No loan facility","note":null,"quote":"Section Seven: Loan Loan facility is not available under this Policy.","sources":[{"clause":"Part D(e)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-e-3"}],"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":["Pramerica Life Unit Linked Accidental Death Benefit Rider","Pramerica Life Unit Linked Accidental Total and Permanent Disability Rider","Pramerica Life Unit Linked Critical Illness Rider"],"display":"Unit Linked Accidental Death Benefit, Unit Linked Accidental Total and Permanent Disability, and Unit Linked Critical Illness riders","note":"From the sales brochure.","quote":"At inception or at any policy anniversary during the policy, the policyholder can choose optional riders by paying the applicable additional rider premium. ... Pramerica Life Unit Linked Accidental Death Benefit Rider | 140A036V01 | It provides a lump sum payment if the insured dies due to an accident. ... Pramerica Life Unit Linked Accidental Total and Permanent Disability Rider | 140A037V01 | It provides lumpsum payout if the policyholder suffers total/permanent disability due to an accident. ... Pramerica Life Unit Linked Critical Illness Rider | 140A035V01 | It provides lumpsum payout upon diagnosis of critical illnesses","sources":[{"clause":null,"heading":"Riders","page":12,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-riders"},{"clause":null,"heading":"Foreclosure","page":12,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-foreclosure"},{"clause":null,"heading":"Minor Lives","page":12,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-minor-lives"}],"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 expiry of 3 years from the later of issuance, commencement of risk, revival or rider date. Within 3 years, a policy may be called in question on the ground of fraud, with written communication of the grounds and materials.","display":"Cannot be questioned after 3 years; fraud can be questioned within 3 years","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from ... a) the date of issuance of policy or ... b) the date of commencement of risk or ... c) the date of revival of policy or ... d) the date of rider to the policy whichever is later.\n2. On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from ... d) the date of rider to the policy whichever is later. For this, the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based.","sources":[{"clause":"15(e)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-15-e"},{"clause":"15(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-15-a-2"},{"clause":"15(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-15-b-2"},{"clause":"15(c)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-15-c-2"},{"clause":"15(d)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-15-d-2"},{"clause":"15(d)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-15-d-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The sales brochure says tax benefits may be applicable as per prevailing tax laws, tax laws are subject to change, and the policyholder should consult a tax advisor.","display":"Tax benefits may be applicable as per prevailing tax laws","note":"From the sales brochure.","quote":"Tax benefits may be applicable as per prevailing tax laws. Tax laws are subject to change. Please consult your tax advisor for details.","sources":[{"clause":null,"heading":"Tax Benefits","page":12,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-tax-benefits"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Section Nine: Free Look Period You have a period of 30 days from the date of receipt of the Policy Document, to review the terms and conditions of the Policy.","sources":[{"clause":"Part D(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-b-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 non-monthly mode; 15 days for monthly mode","note":"Value uses the non-monthly grace period; monthly mode has 15 days.","quote":"In case the policyholder doesn’t pay the premium by due date, the policyholder will have grace period of 30 days in case of non-monthly mode policies and 15 days of grace period in case of monthly mode policies from the due date to pay Premium, during which time the policy is considered to be in-force with-out any interruption as per the terms & conditions of the policy.","sources":[{"clause":"Part C(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-c-b"}],"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":"Entry age is 0 years (90 days) to 55 years.","display":"0 years (90 days) to 55 years","note":"From the sales brochure. Age is as on last birthday.","quote":"Age## at Entry | 0 years (90 days) to 55 years","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-eligibility-conditions"}],"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":["Annual","Semi-Annual","Quarterly","Monthly"],"display":"Annual, Semi-Annual, Quarterly and Monthly","note":"From the sales brochure. Monthly mode is available only through credit card, direct debit and ECS.","quote":"Premium Payment Mode | Annual, Semi-Annual, Quarterly & Monthly** ... **Monthly mode of Premium payment is available only through credit card, direct debit and ECS","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469#c-eligibility-conditions"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Limited Pay","Regular Pay"],"display":"Limited Pay and Regular Pay","note":null,"quote":"Payment Options | Maturity Additions\nThis is a unit linked non-participating individual saving life\nLimited Pay | 15%\ninsurance plan that provides two Plan Options:\nRegular Pay | 8%","sources":[{"clause":"Part C","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-c"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"five consecutive years","note":null,"quote":"Lock-in Period means the period of five consecutive years from the date of commencement of the policy, during which period the proceeds of the discontinued policies cannot be paid by the insurer to the Policyholder or to the Life Insured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the policy.","sources":[{"clause":"Part B","heading":null,"page":1,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-b"}],"law":[{"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 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-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 1.22 to 1.24","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)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Debt fund - Low","Balanced Equilibrium Fund - Medium","Growth Momentum Fund - High","Large Cap Advantage Fund - High","Flexi Cap Opportunities Fund - High","Pramerica Nifty Mid Cap 50 Correlation Fund - High","Pramerica Nifty Smallcap 250 Quality 50 Correlation Fund - High","Pramerica A.G.A.M Ethical Equity Fund - High","Pramerica Rising Bharat Fund - High","Liquid Fund (only in case of STP) - Low"],"display":"Debt fund (Low), Balanced Equilibrium (Medium), Growth Momentum (High), Large Cap Advantage (High), Flexi Cap Opportunities (High), Nifty Mid Cap 50 Correlation (High), Nifty Smallcap 250 Quality 50 Correlation (High), A.G.A.M Ethical Equity (High), Rising Bharat (High), and Liquid Fund for STP (Low)","note":"Discontinued Policy Fund is listed separately in the annexure for surrendered or discontinued policies and is not included as an investment choice.","quote":"Debt fund (SFIN: ULIF00127/08/08FIXEDIFUND 140) | To generate steady return at lower risk by investing in a range of debt securities. | Government Securities: 50% to 100% Corporate bonds: 0% to 50% Money Market/cash: 0% to 40% | Low\nBalanced Equilibrium Fund (SFIN: ULIF016010223BALEQIBFND 140) | Generate stable returns from a prudent combination of equity and fixed income investment with the possibility of increasing the fixed income contribution to 35% | Equity and Equity Related Instruments: 65% to 75% Govt.Security / Corporate bonds / Money Market Instruments: 25% to 35% | Medium\nGrowth Momentum Fund (SFIN: ULIF015010223GROWMOMFN D140) | Generate superior long-term returns from a diversified portfolio of equity and debt securities. The fixed income allocation can be increased to 25% depending upon market conditions to afford stability to the fund. | Equity and Equity Related Instruments: 75% to 85% Govt. Security / Corporate bonds / Money Market Instruments: 15% to 25% | High\nLarge Cap Advantage Fund (SFIN: ULIF013010223LARCPADFND 140) | To generate long-term capital appreciation from investment in large cap stocks which are constituents of the Nifty 100, subject to the regulatory limits on investee companies, their groups and industry sectors with the objective of beating the respective benchmark returns. The fund will have the flexibility of moving into fixed income instruments to the extent of 15% during more volatile periods. | Equity and Equity Related Instruments: 85% to 100% Govt. Security / Corporate bonds / Money Market Instruments: 0% to 15% | High ... Flexi Cap Opportunities Fund (SFIN: ULIF014010223FLEXIOPFND1 40) | Dynamic capital appreciation through diversified investments in companies across the market capitalisation spectrum. The fund will have the flexibility of moving into fixed income instruments to the extent of 15% during more volatile periods. | Equity and Equity Related Instruments: 85% to 100% Govt. Security / Corporate bonds / Money Market Instruments: 0% to 15% | High\nPramerica Nifty Mid Cap 50 Correlation Fund (SFIN: ULIF017260423NIFMIDICOR1 40) | To invest in equity and equity oriented instruments in order to generate returns that closely corresponds to the returns of the Nifty Mid Cap 50 Index subject to tracking errors. The fund would invest in securities that form part of the NIFTY Mid Cap 50 Index to achieve high correlation with the index within the regulatory framework permitted. | Equity & equity oriented instruments: 90-100% Money Market Instruments: 0-10% | High\nPramerica Nifty Smallcap 250 Quality 50 Correlation Fund (SFIN:) ULIF024201125NIFSMLQCOR 140 | The Fund aims to closely track the returns of Nifty Smallcap 250 Quality 50 Index, offering investors access to high-quality small-cap companies with the potential to deliver sustainable long-term capital growth. | Equity & equity oriented instruments: 90-100% Money Market Instruments: 0-10% | High\nPramerica A.G.A.M Ethical Equity Fund (SFIN: ULIF026200126PRAGAMEFN D140) | The investment objective of this fund is to specifically exclude companies dealing in Animal cruelty, Violence, Environmental damage, Tobacco, Liquor and Gambling. | Equity & equity related instruments - 80-100% Cash & equivalents - 0-20% | High\nPramerica Rising Bharat Fund (SFIN: ULIF027050326PRARIBHFND 140) | The Fund is a rules-based equity ULIP fund designed to improve long-term compounding by combining two complementary return drivers: (i) durability and financial strength (quality) and (ii) market leadership (momentum). The intent is to stay invested through cycles with a disciplined process, reducing emotional decision-making. | Equity & Equity Related Instruments - 90% to 100% Cash & Money Market Instruments - 0% -10% | High\nLiquid Fund (only in case of STP) (SFIN: ULIF00920/01/11LIQUIDFUND 140) | To generate steady return at lower risk by investing in a range of short-term debt/liquid money market securities | T-Bill/Money Market/Cash: 100% | Low","sources":[{"clause":"Annexure II","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-annexure-ii"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Classic option has premium allocation charges of 7%, 6%, 6%, 3%, 3%, 2% and 1% of Annualized Premium in policy years 1 to 7 respectively, and Nil thereafter. Top-up premiums are subject to an allocation charge of 2.0%; Pro is the plan option without allocation charge.","display":"Classic: 7%, 6%, 6%, 3%, 3%, 2%, 1%, then Nil; top-up 2.0%; Pro without allocation charge","note":null,"quote":"• Classic (With Allocation Charge)\n• Pro (Without Allocation Charge) ... a) Premium Allocation Charge:\ne. Discontinuance Charge: This Charge is deducted from the value of Units attributable to regular Premium Unit Account at the time of discontinuance of the Policy. The following Discontinuance Charge would be\nPolicy Year | % of Annualized Premium\napplicable:\n1 | 7%\nPolicy Year in\n2 | 6%\nAnnualized Premium | Annualized Premium\nwhich policy is\n3 | 6%\nup to Rs.50,000/- | above Rs.50,000/-\ndiscontinued\n4 | 3% ... 5 | 3%\n6 | 2%\n7 | 1% ... Thereafter | Nil ... Top-up premiums are subject to an allocation charge of 2.0%.","sources":[{"clause":"Part C","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-c"},{"clause":"Part D(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-a-10"},{"clause":"Row 1","heading":"Lower of 20% of (AP or FV) subject to a maximum of Rs.3000","page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-row-1"},{"clause":"Row 2","heading":"Lower of 15% of (AP or FV) subject to a maximum of Rs.2000","page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-row-2"},{"clause":"Part D(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-a-11"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Policy administration charge is levied from the 4th policy year at the beginning of every month by redemption of units, at 0.34% of Annualized Premium for the 4th year, increasing by 5% p.a. every year, subject to a maximum of ₹500 per month for maximum 30 years.","display":"0.34% of Annualized Premium from 4th year monthly, increasing 5% p.a.; max ₹500 per month for 30 years","note":null,"quote":"b. Policy Administration Charge: This is an administration\n3 | Lower of 10% of (AP or FV) subject to a maximum of Rs.1500 | Lower of 3% of (AP or FV) subject to a maximum of Rs. 4000\nCharge levied from the 4th policy year at the beginning of every month by redemption of units, subject to a maximum of ₹500 per month for maximum 30 years. The monthly policy administration charge is 0.34% of\n4 | Lower of 5% of (AP or FV) subject to a maximum of Rs.1000 | Lower of 2% of (AP or FV) subject to a maximum of Rs. 2000\nAnnualized Premium for the 4th year, thereafter, the policy administration charge will increase by 5% p.a. every year.","sources":[{"clause":"Part D(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-a-11"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund Management Charge is levied daily by adjustment to NAV and is reviewable subject to a maximum of 1.35% per annum with prior IRDAI approval. The Discontinued Policy Fund FMC is 0.50%.","display":"Daily NAV adjustment; reviewable up to 1.35% p.a.; Discontinued Policy Fund 0.50%","note":"Fund-specific FMCs shown include Debt Fund 1.20%, Balanced Equilibrium Fund 1.35%, Growth Momentum Fund 1.35%, Large Cap Advantage Fund 1.35%, Flexi Cap Opportunities Fund 1.35%, Nifty Mid Cap 50 Correlation Fund 1.25%, Nifty Smallcap 250 Quality 50 Correlation Fund 1.25%, A.G.A.M Ethical Equity Fund 1.35%, Rising Bharat Fund 1.35%, Liquid Fund 1.20% and Discontinued Policy Fund 0.50%.","quote":"d. Fund Management Charge (FMC): This Charge is levied on a daily basis by adjustment to the NAV. It is reviewable subject to maximum of 1.35% per annum, on prior approval from IRDAI. ... Discontinued Policy Fund (ULIF01024/02/11DISCONFUND140) | 0.50%","sources":[{"clause":"Part D(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-a-11"},{"clause":"Part D(a)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-a-i"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charge is deducted monthly by cancellation of units from the Unit Account at applicable Unit Price and is guaranteed not to change. Monthly mortality charge is Sum at Risk multiplied by the mortality charge rate divided by (12 * 1000).","display":"Deducted monthly by cancellation of units; Sum at Risk × mortality charge rate ÷ (12 * 1000)","note":null,"quote":"c. Mortality Charge: This Charge is deducted by cancellation\n5 and onwards | NIL | NIL\nof Units from the Unit Account at applicable Unit Price at the beginning of each Policy Month and is guaranteed not to change. Please refer to Annexure I for details. ... Monthly mortality charge = Sum at Risk (SAR) multiplied by mortality charge rate divided by (12 * 1000)","sources":[{"clause":"Part D(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-a-11"},{"clause":"Row 2(iii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-row-2-iii"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"If discontinued in policy years 1 to 4, the charge is: for Annualized Premium up to Rs.50,000, lower of 20%, 15%, 10% or 5% of AP or FV capped at Rs.3000, Rs.2000, Rs.1500 or Rs.1000 respectively; for Annualized Premium above Rs.50,000, lower of 6%, 4%, 3% or 2% of AP or FV capped at Rs.6000, Rs.5000, Rs.4000 or Rs.2000 respectively. From policy year 5 onwards it is NIL, and there is no discontinuance charge under Top-Up premiums.","display":"Years 1-4: up to Rs.50,000 AP lower of 20%/15%/10%/5% of AP or FV capped Rs.3000/Rs.2000/Rs.1500/Rs.1000; above Rs.50,000 AP lower of 6%/4%/3%/2% capped Rs.6000/Rs.5000/Rs.4000/Rs.2000; 5 and onwards NIL; no charge under Top-Up premiums","note":null,"quote":"Policy Year in\n2 | 6%\nAnnualized Premium | Annualized Premium\nwhich policy is\n3 | 6%\nup to Rs.50,000/- | above Rs.50,000/-\ndiscontinued ... 1 | Lower of 20% of (AP or FV) subject to a maximum of Rs.3000 | Lower of 6% of (AP or FV) subject to a maximum of Rs. 6000 ... 2 | Lower of 15% of (AP or FV) subject to a maximum of Rs.2000 | Lower of 4% of (AP or FV) subject to a maximum of Rs. 5000 ... 3 | Lower of 10% of (AP or FV) subject to a maximum of Rs.1500 | Lower of 3% of (AP or FV) subject to a maximum of Rs. 4000 ... 4 | Lower of 5% of (AP or FV) subject to a maximum of Rs.1000 | Lower of 2% of (AP or FV) subject to a maximum of Rs. 2000 ... 5 and onwards | NIL | NIL ... There is no discontinuance charge under Top-Up premiums.","sources":[{"clause":"Part D(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-a-10"},{"clause":"Row 1","heading":"Lower of 20% of (AP or FV) subject to a maximum of Rs.3000","page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-row-1"},{"clause":"Row 2","heading":"Lower of 15% of (AP or FV) subject to a maximum of Rs.2000","page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-row-2"},{"clause":"Part D(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-a-11"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Switches have no switching charges or restrictions on number during the policy term. Partial withdrawals are allowed after completion of the 5-year lock-in period; the total amount of partial withdrawals in a policy year should not exceed 20% of the Fund Value at the start of that policy year, and there are no restrictions or charges on number of partial withdrawals.","display":"No switching charges or number restriction; partial withdrawals after 5-year lock-in, up to 20% of opening Fund Value per policy year with no number restrictions or charges","note":"For minor life insured, partial withdrawal request can be placed only after the life insured attains age 18 years or above; Top-Up withdrawals have separate five policy years from date of Top-Up Premium.","quote":"b) There are no switching charges or restrictions on number of switches during the Policy Term. ... The Policyholder may make partial withdrawals in accordance with this Article after the completion of the Lock-in Period(5 years after the commencement of the policy),, subject to the following: ... iii) Total amount of partial withdrawals in a Policy Year should not exceed 20% of the Fund Value at the start of that Policy Year.\niv) There are no restrictions or charges on number of Partial Withdrawals during the Policy Term.","sources":[{"clause":"Part D(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-b-5"},{"clause":"Part D(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472#c-part-d-a-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document","pages":25,"fetched_at":"2026-10-17 19:56:58+00","source_url":"https://pramericalife.in/admin/assets/images/pages/learn-more-box/2026/05/1778840505-T&C_Pramerica%20Life%20Invest%20Shield_Final.pdf","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14472"},{"kind":"cis","label":"CIS","pages":8,"fetched_at":"2026-10-17 19:56:20+00","source_url":"https://pramericalife.in/admin/assets/images/pages/learn-more-box/2026/05/1778820222-CUSTOMER%20INFORMATION%20SHEET_Invest%20Shield.pdf","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14438"},{"kind":"brochure","label":"Brochure","pages":21,"fetched_at":"2026-10-17 19:56:55+00","source_url":"https://pramericalife.in/admin/assets/images/pages/learn-more-box/2026/10/1792058357-INVEST%20SHIELD_2026_OCT_BROCHURE_V2.pdf","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01/document/14469"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Pramerica Life Insurance official website","url":"https://pramericalife.in/","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://pramericalife.in/claim","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://pramericalife.in/customer-services/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":"Pramerica Life Invest Shield (UIN 140L093V01), IndiaInsurances, https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-invest-shield-140l093v01"}