{"uin":"143L076V02","name":"IndiaFirst Life Smart Retirement Plan","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02","insurer":{"slug":"indiafirst-life-insurance","name":"IndiaFirst Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/indiafirst-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":"ULIP","kind":"product","status":"active","approved_on":"2025-07-21","withdrawn_on":null,"summary":"IndiaFirst Life Smart Retirement Plan is a non-participating unit-linked individual savings pension plan with Retire Smart and Retire Secure options. It has a 5-year lock-in, no premium allocation charge, no policy administration charge and four pension fund options.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:56:00.571676+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":["Retire Smart","Retire Secure"],"display":"Retire Smart / Retire Secure","note":null,"quote":"Plan Option*: Retire Smart / Retire Secure","sources":[{"clause":"Annexure A(III)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-annexure-a-iii"}],"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":"The policy term starts on the Policy Commencement Date and ends on the Vesting Date, as mentioned in the Policy Schedule.","display":"From Policy Commencement Date to Vesting Date, as mentioned in the Policy Schedule","note":null,"quote":"Policy Term | The period which starts on the Policy Commencement Date and ends on the Vesting Date and is mentioned in the Policy Schedule.","sources":[{"clause":"Part B","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-part-b"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The policy requires written intimation for claims but does not state a deadline for intimation.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Proof of Age of the Life Assured, if the Age of the Life Assured has not been admitted by us","Claimant’s statement and claim intimation report completely filled and signed by Beneficiary/Claimant","Valid QR code Scannable Death certificate","Original Policy Document","Pan Card/Form 60, photo-identity proof, address proof and bank pass book/cancelled cheque","For unnatural death: Medico Legal Certificate, First Information Report, Panchnama, Inquest report Final Viscera Report, Final Police investigation closure report and post mortem report","For vesting claim: Maturity Claim Intimation form, Original Policy Document(s), Pan Card, cancelled cheque or pass book, address proof and NRI Declaration form if applicable"],"display":"Death claim documents, additional unnatural death documents and vesting claim documents are listed.","note":"The insurer may also ask for any other document or information needed for validating and processing the claim.","quote":"i) Proof of Age of the Life Assured, if the Age of the Life Assured has not been admitted by us.\nii) Claimant’s statement and claim intimation report completely filled and signed by Beneficiary/Claimant.\niii) Valid QR code Scannable Death certificate issued under section 12/17 of registration of Births and Deaths Act 1969 (only in case of death of the Life Assured).\niv) Original Policy Document. ... v) A self-attested copy of Pan Card of Beneficiary/Claimant. In case Beneficiary/Claimant does not have a pan card issued on his/her name then please submit duly filled and signed Form 60.\nvi) Self-attested copy of photo-identity proof and address proof of the Beneficiary/Claimant (e.g. driving license, PAN card, passport, Voter ID card etc.)\nvii) Self-attested copy of bank pass book of Beneficiary/Claimant along with cancelled cheque with Printed Nominee name, Ac no and IFSC code available on the same. ... Following additional documents will be required apart from ones mentioned above:\ni. Clear readable copies of Medico Legal Certificate, First Information Report, Panchnama, Inquest report Final Viscera Report, Final Police investigation closure report and post mortem report (Only if Death), duly attested by the police (only in case of Accident leading to unnatural death or Permanent Disability of the Life Assured). ... Vesting Claim:\ni. Maturity Claim Intimation form duly filled and signed by Claimant/Policy Holder.\nii. Original Policy Document(s)\niii. Self-Attested Copy of Pan Card of the Policy Holder.\niv. Cancelled Cheque or Self Attested Copy of Pass book of the Policy Holder.\nv. Self-Attested Copy of Address Proof (if change in Address).\nvi. Duly filled and signed NRI Declaration form applicable only for NRIs.","sources":[{"clause":null,"heading":"In case of natural death","page":21,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-in-case-of-natural-death"},{"clause":null,"heading":"In case of unnatural death","page":21,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-in-case-of-unnatural-death"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide Exclusion: death due to suicide within 12 months pays Fund Value as available on the date of intimation of death"],"display":"Suicide within 12 months: Fund Value as on death intimation, with later non-FMC charges added back","note":null,"quote":"22. Suicide Exclusion In case of death due to suicide within 12 (Twelve) months from the Policy Commencement Date or from the date of Revival of the Policy, as applicable, the Nominee or Beneficiary of the Policyholder shall be entitled to Fund Value, as available on the date of intimation of death. Further, any charges other than Fund Management 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":null,"heading":"In case of unnatural death","page":21,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-in-case-of-unnatural-death"}],"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 105% of Total Premiums Paid, reduced to the extent of partial withdrawals made during the 2 years immediately preceding death. Partial withdrawals from Top-Up Premium Fund Value are not deducted for this reduction.","display":"105% of Total Premiums Paid, reduced for partial withdrawals in the 2 years before death","note":"The same 105% rule is stated under both Retire Smart and Retire Secure options.","quote":"a) Sum Assured on Death in this Policy at any time during the Policy Term will be 105% of Total Premiums Paid.\nb) The amount of Sum Assured on Death shall be reduced to the extent of the Partial Withdrawals made during the 2 (Two) years immediately preceding the date of death of the Life Assured. Partial withdrawal made from Top-Up Premium Fund Value shall not be deducted for the purpose of reduction of Sum Assured.","sources":[{"clause":"1.1","heading":"Death Benefit","page":10,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-1-1"}],"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":"Under Retire Smart, on death before the end of the policy term while the policy is in force, the beneficiary receives the higher of Sum Assured on Death or Fund Value as on the date of intimation of death, and the policy terminates. Under Retire Secure, Sum Assured on Death is paid immediately as a lump sum, future premiums due on or after death intimation are paid by the insurer as due, and the policy continues.","display":"Retire Smart: higher of Sum Assured on Death or Fund Value. Retire Secure: Sum Assured on Death immediately plus future premiums paid by insurer.","note":null,"quote":"On death of the Life Assured, before the end of Policy Term, while the Policy is in force, the Beneficiary/Claimant will receive Death Benefit and Policy will terminate. The Death Benefit shall be higher of the following:\n• Sum Assured on Death; or\n• Fund Value as on the date of intimation of death. ... On death of the Life Assured, before the end of Policy Term, while the Policy is in force, the Beneficiary/ Claimant will receive the following Death Benefits::\n• Sum Assured on Death is paid immediately as Lump Sum\n• All future Premiums, due on or after the date of intimation of death, if any, shall be paid by Us as and when due and the Policy shall continues","sources":[{"clause":"1.1","heading":"Death Benefit","page":10,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-1-1"},{"clause":"1.5","heading":"Rider Benefit","page":10,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-1-5"}],"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":"The end-of-term benefit is described as Vesting Benefit. Under Retire Smart, on survival to the end of the policy term, the prevailing Fund Value on the Vesting Date plus refund of mortality charges deducted during the policy term is payable; under Retire Secure, the prevailing Fund Value on the Vesting Date is payable.","display":"Retire Smart: Fund Value on Vesting Date plus Return of Mortality Charge. Retire Secure: Fund Value on Vesting Date.","note":null,"quote":"On survival of the Life Assured till the end of the Policy Term, the sum of the following will be payable:\n• Prevailing Fund Value as on the Vesting Date, and\n• Mortality Charges deducted during the Policy Term (Return of Mortality Charge) will be refunded. ... 1.2 Vesting Benefit If the Policy has continued till the end of the Policy Term, the prevailing Fund Value as on the Vesting Date will be payable.","sources":[{"clause":"1.2","heading":"Vesting Benefit","page":10,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-1-2"},{"clause":"1.5(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-1-5-b"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"The Premium Paying Term is specified in the Policy Schedule. The policy allows Single, Limited or Regular premium payment.","display":"Specified in the Policy Schedule; Single, Limited or Regular Premium","note":null,"quote":"Premium Paying Term | The time period during which You need to pay Your Premiums, as the case maybe, to Us for securing the benefits under this Policy. Your Premium Paying Term is specified in the Policy Schedule. ... a) Under this Policy, You have an option to pay the due Premiums to Us as Single or Limited or Regular Premium.","sources":[{"clause":"Part B","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-part-b"},{"clause":"13(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-13-a"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"On the date of vesting, the policyholder can postpone the Vesting Date for a minimum of 1 year up to a maximum period until attaining age 80, if the policyholder is under age 60 on the Vesting Date.","display":"Postponement up to age 80","note":"The general maximum maturity or vesting age at initial purchase is not stated in the policy wording provided.","quote":"On the date of Vesting, the Policyholder shall have the option to extend the accumulation period or deferment period within the same policy with the same terms & conditions as the original Policy, subject to the following:\n• The Policyholder is under the Age of 60 (Sixty) years on the Vesting Date.\n• The Policyholder can postpone the Vesting Date for a minimum period of 1 (One) year from the Vesting Date, up to a maximum period which will be until You attain the Age of 80 (Eighty) years.","sources":[{"clause":"15","heading":"Postponement of Vesting Benefit","page":16,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-15"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from the Policy Commencement Date or Revival date, the nominee or beneficiary is entitled to the Fund Value available on the date of intimation of death, with charges other than Fund Management Charges recovered after death added back.","display":"Within 12 months: Fund Value as on death intimation, plus later non-FMC charges added back","note":null,"quote":"22. Suicide Exclusion In case of death due to suicide within 12 (Twelve) months from the Policy Commencement Date or from the date of Revival of the Policy, as applicable, the Nominee or Beneficiary of the Policyholder shall be entitled to Fund Value, as available on the date of intimation of death. Further, any charges other than Fund Management 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":null,"heading":"In case of unnatural death","page":21,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-in-case-of-unnatural-death"}],"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 policyholder can surrender the policy within or after the lock-in period. Within the lock-in period, Fund Value is transferred to the Discontinued Policy Fund after applicable discontinuance charges and paid only after completion of the lock-in period or the revival period, whichever is later; after the lock-in period, Fund Value on the surrender date is paid and the policy terminates.","display":"Within lock-in: Fund Value to Discontinued Policy Fund after charges, paid after lock-in or revival period; after lock-in: Fund Value paid on surrender","note":"Under Retire Secure, the nominee can surrender only after completion of the Premium Payment Term.","quote":"The Policyholder can Surrender (completely withdraw) the Policy without any risk cover by intimating the same to the Insurer in writing; within the Lock-in Period or after the Lock-in Period. ... a) if such request for Surrender is made during the Lock-in Period, the Fund Value of the Policy will be transferred to the Discontinued Policy Fund after deduction of applicable Discontinuance Charges. ... b) Proceeds of the Discontinued Policy Fund (subject to ensuring that the minimum guarantee on interest rate specified by IRDAI from time to time is met) shall be refunded only upon completion of the Lock-In Period, or Revival Period (for policies where the Policyholder has chosen the option to revive the Policy and the Revival Period ends after the Lock-in Period), whichever is later, and the Policy shall stand terminated thereafter. ... a) if such a request for Surrender is made after the Lock-in period, the Fund Value as available on the date of Surrender of Policy shall be paid in the manner prescribed under this Policy and the Policy shall stand terminated thereafter.","sources":[{"clause":"3","heading":"Surrender/ Discontinuance due to Surrender","page":13,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-3"},{"clause":"3(I)(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-3-i-a"},{"clause":"3(I)(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-3-i-b"},{"clause":"3(II)(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-3-ii-a"}],"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 due premiums are not paid within the Grace Period, the policy by default converts to Reduced Paid-Up. Fund Value remains in the chosen segregated fund, charges continue, death benefits are reduced/continued as stated for each plan option, and on vesting the benefit equals Fund Value as on the Vesting Date.","display":"After lock-in, non-payment within Grace Period converts the policy to Reduced Paid-Up","note":null,"quote":"After the Lock-in Period, in case the due Premiums are not paid within the Grace Period, the Policy shall by default get converted to Reduced Paid-Up state upon expiry of the Grace Period. The Fund Value shall be part of the Segregated Fund chosen by the Policyholder and all applicable Charges shall continue to get deducted as described under this Policy. ... On the Vesting Date, if the Policy is in Reduced Paid-Up status, the Vesting Benefit shall be equal to the Fund Value as on the Vesting Date.","sources":[{"clause":"4","heading":"Reduced Paid-up","page":13,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-4"},{"clause":"4(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-4-b-4"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The revival period is 3 consecutive years from the date of first unpaid premium. Revival requires a written request within the revival period, payment of due and unpaid premiums without interest or late fees, a declaration of good health and medical examination if required.","display":"3 years from the date of first unpaid premium","note":null,"quote":"Revival Period | The period of 3 (Three) consecutive years from the date of first unpaid Premium, during which You can pay the due unpaid Premiums to Us and comply with the conditions specified in this Policy Document as the case may be, for reviving the Policy. ... a) If You send Us a written request to revive this Policy, then, this Policy can be revived within the Revival Period of 3(Three) years at Our discretion in accordance with Our BAUP if You have:\ni) paid all the due and unpaid Premium, as the case maybe; without any interest/late fees and\nii) submitted a declaration of good health; and\niii) Life Assured has undergone a medical examination, if required and bear the cost of medical examinations, if any.","sources":[{"clause":"Part B","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-part-b"},{"clause":"2.4(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-2-4-a"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Policy loans are not available under this policy.","display":"No policy loans","note":null,"quote":"Under this Policy, You are not entitled to receive any loans.","sources":[{"clause":"10","heading":"Loan","page":15,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-10"}],"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 expiry of 3 years from the date of issuance, commencement of risk, revival or rider, whichever is later. Within 3 years, it may be questioned on fraud or material misstatement grounds subject to the policy’s stated conditions.","display":"Cannot be questioned after 3 years; fraud or material misstatement grounds apply within 3 years","note":null,"quote":"1. No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from ... 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. ... 6. Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made in the proposal or other document basis which Policy was issued or revived or rider issued.","sources":[{"clause":"17(a)(vi)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-17-a-vi"},{"clause":"17(d)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-17-d"},{"clause":"17(d)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-17-d-2"},{"clause":"17(d)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-17-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":"not-stated","value":null,"display":null,"note":"The wording only states deduction of applicable taxes on charges or premiums; it does not state tax benefits.","quote":null,"sources":[],"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":"You have a Free Look Period of 30 (Thirty) days from the date of receipt of Your Policy Document whether received electronically or otherwise","sources":[{"clause":"9","heading":"Free Look Period","page":14,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-9"}],"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 other premium payment modes; 15 days for monthly mode","note":"The displayed 30-day value applies to modes other than monthly; monthly mode has 15 days. Grace period is for other than Single Premium policies.","quote":"For other than Single Premium policies, You are provided a Grace Period of 15 (Fifteen) days under monthly Premium Payment Mode and 30 (Thirty) days for other Premium Payment Modes, from the due Date of Payment of Premium, in case You miss paying Your Premium on the due dates, without any penalty or late fee.","sources":[{"clause":"12","heading":"Grace Period","page":15,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-12"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The policy document and CIS provided do not state the youngest and oldest entry ages.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single","Annual","Half Yearly","Quarterly","Monthly"],"display":"Single / Annual / Half Yearly / Quarterly / Monthly","note":null,"quote":"Premium Payment Mode: Single/ Annual/ Half Yearly /Quarterly / Monthly","sources":[{"clause":"Annexure A(III)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-annexure-a-iii"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single","Limited","Regular"],"display":"Single or Limited or Regular Premium","note":null,"quote":"a) Under this Policy, You have an option to pay the due Premiums to Us as Single or Limited or Regular Premium.","sources":[{"clause":"13(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-13-a"}],"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":"5 years","note":null,"quote":"Lock-in-period | Lock-in period means the period of 5 (Five) consecutive completed years from the Policy Commencement Date, during which period the proceeds of the Policy cannot be paid by the Insurer to the Policyholder or to the life Assured, 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":6,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#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":["Pension Equity Fund - Medium to High","Pension Flexicap Equity Fund - Medium to High","Pension Debt Fund - Medium","Pension Liquid Fund - Low"],"display":"Pension Equity Fund and Pension Flexicap Equity Fund: Medium to High; Pension Debt Fund: Medium; Pension Liquid Fund: Low","note":null,"quote":"Pension Equity Fund (SFIN: ULIF028210725 PENEQTYFND143) | To generate sustainable long-term capital growth through investments in equity and equity related instruments of predominantly large cap companies. | 70% to 100% | 0% | 0% to 30% | Medium to High\nPension Flexicap Equity Fund (SFIN: ULIF033110926 PENFCEQFND143) | To generate long-term capital growth through a dynamic mix of diversified investments in equity and equity related instruments across various market capitalization | 65% to 100% | 0% | 0% to 35% | Medium to High\nPension Debt Fund (SFIN: ULIF029210725 PENDEBTFND143) | To generate a good level of income and prospects for capital growth through diversified investment in corporate debt instruments, government securities and money market instruments. | 0% | 70% to 100% | 0% to 30% | Medium\nPension Liquid Fund (SFIN: ULIF030210725 PENLIQFUND143) | To provide capital protection with growth at short-term interest rates and above whilst providing a high level of liquidity. | 0% | 0% to 20% | 80% to 100% | Low","sources":[{"clause":"9(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-9-a"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"There is no Premium Allocation Charge in this policy.","display":"No Premium Allocation Charge","note":null,"quote":"Premium Allocation Charge – There is no Premium Allocation Charge in this Policy","sources":[{"clause":"3","heading":"Premium Allocation Charge – There is no Premium Allocation Charge in this Policy","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-3-2"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"There is no Policy Administration Charge in this policy.","display":"No Policy Administration Charge","note":null,"quote":"Policy Administration Charge – There is no Policy Administration Charge in this Policy","sources":[{"clause":"4","heading":"Policy Administration Charge – There is no Policy Administration Charge in this Policy","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-4-2"}],"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":"The Fund Management Charge is 1.35% per annum on each fund, levied on each Valuation Date through NAV adjustment. For the Discontinued Policy Fund, the charge is 0.50% per annum.","display":"1.35% per annum on each fund; 0.50% per annum for Discontinued Policy Fund","note":null,"quote":"We will levy a Fund Management Charge of 1.35% (One and Thirty Five Hundredths percent) per annum on each of the Funds on each Valuation Date at the time of computation of NAV as a percentage of the Fund Value and shall be appropriated by adjusting the NAV. The Fund Management Charge shall not exceed 1.35% per annum throughout the Policy Term. For Discontinued Policy Fund, the Fund Management Charge is 0.50 % per annum.","sources":[{"clause":"2","heading":"Fund Management Charge We will levy a Fund Management Charge of 1.35% (One and Thirty Five","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-2-5"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality Charges are levied for life insurance cover by cancellation of units at the beginning of each policy month. Rates are guaranteed throughout the policy term and based on attained age; Retire Smart uses Sum at Risk as Death Benefit less Fund Value, while Retire Secure uses Death Benefit plus present value of future outstanding premiums discounted at 5% per annum.","display":"Monthly unit cancellation; age-based guaranteed rates; Retire Smart SAR = Death Benefit less Fund Value; Retire Secure SAR = Death Benefit plus PV of future premiums at 5% p.a.","note":null,"quote":"We will levy Mortality Charges for providing insurance coverage on the life of the Life Assured by cancellation of Units at the beginning of each Policy month. The annual Mortality Charge rates (mentioned in the table below) are guaranteed throughout the Policy Term. The Mortality Charges are based on the Age attained of the Life Assured. ... Sum at Risk: Death Benefit less Fund Value ... 1.1. We will levy Mortality Charges for providing insurance coverage on the life of the Life Assured by cancellation of Units at the beginning of each Policy month. The annual Mortality Charge rates (mentioned in the table below) are guaranteed throughout the Policy Term. The Mortality Charges are based on the Age attained of the life Assured. 1.2. Sum at Risk: Death Benefit PLUS present value of all future outstanding Premiums discounted at a rate of 5% p.a. 1.3. Once a death claim has been triggered, Mortality Charge will not be deducted from the fund.","sources":[{"clause":"1.1","heading":null,"page":17,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-1-1-2"},{"clause":"1.2","heading":"Sum at Risk: Death Benefit less Fund Value","page":17,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-1-2-2"},{"clause":null,"heading":"1. Mortality Charge","page":17,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-1-mortality-charge"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"For regular or limited premium policies, discontinuance charges apply in policy years 1 to 4 as lower of stated percentages of AP or FV subject to rupee caps, and are nil from policy year 5 onwards. For single premium policies, discontinuance charges apply in policy years 1 to 4 as lower of stated percentages of SP or FV subject to rupee caps, and are nil from policy year 5 onwards; no discontinuance charge is imposed on top-up premiums.","display":"Policy years 1-4: charge as per AP/FV or SP/FV table; 5 and onwards: Nil; no top-up premium discontinuance charge","note":"The quote includes examples of the first and fourth rows for the single premium table; the full policy table also states separate year 2 and year 3 single premium charges.","quote":"We will levy the following Discontinuance Charges for Regular/Limited premium polices: ... 1 | Lower of 20% * (AP or FV) subject to maximum of Rs.3,000/- | Lower of 6% * (AP or FV) subject to maximum of Rs.6,000/- ... 2 | Lower of 15% * (AP or FV) subject to maximum of Rs.2,000/- | Lower of 4% * (AP or FV) subject to maximum of Rs.5,000/- ... 3 | Lower of 10% * (AP or FV) subject to maximum of Rs.1,500/- | Lower of 3% * (AP or FV) subject to maximum of Rs.4,000/- ... 4 | Lower of 5% * (AP or FV) subject to maximum of Rs.1,000/- | Lower of 2% * (AP or FV) subject to maximum of Rs.2,000/-\n5 and onwards | Nil | Nil ... We will levy the following Discontinuance Charges, for single Premium policies: ... 1 | Lower of 2%*(SP or FV) subject to maximum of Rs.3,000/- | Lower of 1%*(SP or FV) subject to maximum of Rs.6,000/- ... 4 | Lower of 0.5%*(SP or FV) subject to maximum of Rs.1,000/- | Lower of 0.35%*(SP or FV) subject to maximum of Rs.2,000/-\n5 and onwards | Nil | Nil ... No Discontinuance Charge shall be imposed on Top-up Premiums.","sources":[{"clause":"6","heading":"Discontinuance Charge","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-6-2"},{"clause":"Row 1","heading":"Lower of 20% * (AP or FV) subject to maximum of Rs.3,000/-","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-row-1"},{"clause":"Row 2","heading":"Lower of 15% * (AP or FV) subject to maximum of Rs.2,000/-","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-row-2"},{"clause":"Row 3","heading":"Lower of 10% * (AP or FV) subject to maximum of Rs.1,500/-","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-row-3"},{"clause":"Row 4","heading":"Lower of 5% * (AP or FV) subject to maximum of Rs.1,000/-","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-row-4"},{"clause":"6","heading":"Discontinuance Charge","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-6-3"},{"clause":"Row 1","heading":"Lower of 2%*(SP or FV) subject to maximum of Rs.3,000/-","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-row-1-2"},{"clause":"Row 4","heading":"Lower of 0.5%*(SP or FV) subject to maximum of Rs.1,000/-","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-row-4-2"},{"clause":"6","heading":"Discontinuance Charge","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-6-4"}],"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":"Partial withdrawals are allowed only after completion of the lock-in period, with only 3 partial withdrawals during the entire policy term, minimum Rs.10,000 in multiples of Rs.1,000 and not exceeding 25% of fund value at the time of withdrawal. Fund switches are currently free for any number of switches, and partial withdrawal charges are not levied.","display":"Switches: no current charge for any number. Partial withdrawals: after lock-in, up to 3 total, minimum Rs.10,000, maximum 25% of Fund Value.","note":"The policy lists specific permitted reasons for partial withdrawals.","quote":"Partial Withdrawals are allowed only after completion of the Lock-in Period: ... i) A total of only 3 (Three) Partial Withdrawals shall be allowed during the entire Policy Term. ... ii) Partial Withdrawals are allowed to be made in multiples of Rs.1,000/-(Rupees One Thousand\nonly); subject to a minimum of Rs.10,000/- (Rupees Ten Thousand only), being so withdrawn. ... iv) Partial Withdrawals shall not exceed 25% of the Fund Value at the time of such Partial Withdrawal; subject to the general Partial Withdrawal rules mentioned here. ... You have the option of switching the Fund Value from one Fund to another Fund by giving a written notice to Us. . Currently there is no switching charge for any number of Switches. ... We will not levy any Partial Withdrawal charges under these Policy for any Partial Withdrawals made, if any by You.","sources":[{"clause":"5","heading":"Partial Withdrawals","page":14,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-5"},{"clause":"5(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-5-i"},{"clause":"5(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-5-ii"},{"clause":"5(iv)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-5-iv"},{"clause":"6","heading":"Switching","page":14,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-6"},{"clause":"7","heading":"Partial Withdrawal Charge","page":18,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352#c-7-2"}],"law":[]}],"documents":[{"kind":"wording","label":"IndiaFirst LIfe Smart Retirement Plan","pages":29,"fetched_at":"2026-10-17 19:49:31+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/withdrawn-products/indiafirstlifesmartretirementplan-policydocument.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9137"},{"kind":"wording","label":"IndiaFirst Life Smart Retirement Plan_Policy Document","pages":29,"fetched_at":"2026-10-17 19:55:54+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/others/indiafirstlifesmartretirementplan-policydocument.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9339"},{"kind":"wording","label":"IndiaFirst Life Smart Retirement Plan_Policy Document","pages":29,"fetched_at":"2026-10-17 19:56:17+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/others/indiafirst-life-smart-retirement-plan-policydocument.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9352"},{"kind":"wording","label":"Guaranteed Annuity Plan Group Policy Document","pages":15,"fetched_at":"2026-10-17 19:56:23+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/others/indiafirst-life-guaranteed-annuity-plan-group-policy-document.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9356"},{"kind":"wording","label":"Guaranteed Annuity Plan Individual Policy Document","pages":23,"fetched_at":"2026-10-17 19:56:20+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/others/guaranteedannuityplanindividual-policydocument.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9357"},{"kind":"cis","label":"Indiafirst Life Guaranteed Annuity Plan CIS","pages":9,"fetched_at":"2026-10-17 19:52:46+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/cis/individual/indiafirst-life-guaranteed-annuity-plan/indiafirstlifeguaranteedannuityplan-cis.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9225"},{"kind":"cis","label":"IndiaFirst Life Smart Retirement Plan_CIS","pages":9,"fetched_at":"2026-10-17 19:53:12+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/cis/individual/indiafirst-life-smart-retirement-plan/indiafirst-life-smart-retirement-plan-cis.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9241"},{"kind":"brochure","label":"IndiaFirst Life Smart Retirement Plan Brochure","pages":28,"fetched_at":"2026-10-17 19:39:40+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/brochures/individual/indiafirst-life-smart-retirement-plan/indiafirstlifesmartretirementplan-brochure.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/8852"},{"kind":"brochure","label":"IndiaFirst Life Guaranteed Annuity Plan Brochure","pages":24,"fetched_at":"2026-10-17 19:41:26+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/brochures/individual/indiafirst-life-guaranteed-annuity-plan/indiafirst-life-guaranteed-annuity-plan-individual-brochure.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/8899"},{"kind":"brochure","label":"IndiaFirst Life Guaranteed Annuity Plan_Brochure","pages":13,"fetched_at":"2026-10-17 19:46:29+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/brochures/group/indiafirst-life-guaranteed-annuity-plan/indiafirst-life-guaranteed-annuity-plan-group-brochure.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9051"},{"kind":"brochure","label":"IndiaFirst Guaranteed Annuity Plan NPS","pages":2,"fetched_at":"2026-10-17 19:48:49+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/one-pagers/individual/indiafirst-life-guaranteed-annuity-plan/indiafirst-guaranteed-annuity-plan-nps.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02/document/9113"}],"versions":[{"uin":"143L076V01","version":null,"approved_on":null},{"uin":"143N050V08","version":null,"approved_on":null},{"uin":"143L076V02","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndiaFirst Life Insurance official website","url":"https://www.indiafirstlife.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 overview","url":"https://www.indiafirstlife.com/claims/claims-overview","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.indiafirstlife.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":"IndiaFirst Life Smart Retirement Plan (UIN 143L076V02), IndiaInsurances, https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-smart-retirement-plan-143l076v02"}