{"uin":"143N102V01","name":"IndiaFirst Life Growth of Life Dreams Plus Plan","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01","insurer":{"slug":"indiafirst-life-insurance","name":"IndiaFirst Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/indiafirst-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndiaFirst Life Growth of Life Dreams Plus Plan is a non-linked participating individual life insurance savings plan with Immediate Income and Deferred Income options. It offers Single Pay or limited pay of 6, 8, 10 or 12 years, optional Goal Protection Benefit, a 30-day free look period and a 15-day monthly or 30-day other-mode grace period.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:48:19.831687+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":["Immediate Income","Deferred Income"],"display":"Immediate Income / Deferred Income","note":null,"quote":"Plan Option: <Immediate Income / Deferred Income>","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-4"}],"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":"Without GPB, Single Pay is till age 100 and Limited Pay can be 20, 30, 40 years or till age 100. With GPB, Limited Pay policy terms are 20, 30 or 40 years.","display":"Without GPB: Single Pay till age 100; 6/8/10/12 pay for 20/30/40/till age 100. With GPB: 6/8/10/12 pay for 20/30/40.","note":"From the sales brochure.","quote":"Without GPB Premium Payment Term Available Policy Term Single Pay Till age 100 6 / 8 / 10 / 12 20 / 30 / 40 / Till age 100* With GPB Premium Payment Term Available Policy Term 6 / 8 / 10 / 12 20 / 30 / 40","sources":[{"clause":null,"heading":"What is the Eligibility Criteria?","page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-what-is-the-eligibility-criteria"}],"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 CIS lists claim intimation channels but does not state a deadline.","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","Claimant’s statement and claim intimation report","Death certificate","Original Policy document","Pan Card of Nominee/Claimant or Form 60","photo-identity proof and address","bank passbook and cancelled cheque","unnatural death documents including Medico Legal Certificate, First Information Report, Panchnama, Inquest report, Final Viscera Report, Final Police investigation closure report and post mortem report","Maturity Claim Intimation form, Original Policy Document(s), PAN/Form 60, cancelled cheque/passbook and address proof"],"display":"Death claim documents include proof of age, claimant statement and intimation report, death certificate, policy document, PAN/Form 60, identity/address proof, bank details and additional unnatural death records; maturity claim documents include the maturity claim intimation form, policy document, PAN/Form 60, cancelled cheque/passbook and address proof.","note":null,"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\nfilled | and | signed | by\nclaimant/nominee.\niii. A 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). ... iv) Original Policy document. ... v) A self-attested copy of Pan Card of Nominee/Claimant. In case Nominee/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\nphoto-identity proof and address of the Nominee(s)/Claimant (e.g. driving license, PAN card, passport, Voter ID card etc.)\nvii. Self-attested copy of first page of\nbank passbook | of\nNominee(s)/Claimant along with cancelled cheque with Printed Nominee name, Ac no and IFSC code available on the same. ... Clear readable Copies of Medico\nLegal | Certificate, | First\nInformation 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). ... Maturity Claim:\ni. Maturity Claim Intimation form duly filled and signed by / Policyholder.\nii. Original Policy Document(s)\niii. Self-Attested Copy of PAN Card of the Policyholder/ Form no.60 if PAN is not available\niv. Cancelled Cheque or Self Attested Copy of first page of Passbook of the Policyholder.\nv. Self-Attested Copy of Address Proof (if change in Address).","sources":[{"clause":"Row 5(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-iii"},{"clause":"Row 5(iv)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-iv"},{"clause":"Row 5(v)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-v"}],"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":"The CIS only points to a link for turnaround times for servicing requests and claims processing.","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 Exclusions: In case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy"],"display":"Suicide within 12 months from commencement of risk or revival is subject to the suicide exclusion.","note":null,"quote":"Suicide Exclusions: In case of death due to suicide within 12 months from the date o commencement of risk under the policy or from the date of revival o the policy, as applicable, the nominee or beneficiary of the policyholde shall be entitled to 80% of the tota premiums paid till the date of death or the surrender value available as on the date of death whichever is higher provided the policy is in force.","sources":[{"clause":"Row 5(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-iii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact any branch or Customer Care at IndiaFirst Life Insurance Company Ltd, 12th & 13th floor, North [C] Wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400 063, toll free 1800 209 8700, email customer.first@indiafirstlife.com. If not satisfied or no response within 2 weeks, approach the Grievance Officer at branches or write to grievance.redressal@indiafirstlife.com before Ombudsman.","display":"Contact branch/Customer Care first; then Grievance Officer or grievance.redressal@indiafirstlife.com if unresolved or no response within 2 weeks.","note":null,"quote":"You may contact us in case of any grievance or complaint at any of our branches or at Customer Care, IndiaFirst Life Insurance Company Ltd, 12th & 13th floor, North [C] Wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400 063, Toll Free Contact No.: 1800 209 8700, Email id: customer.first@indiafirstlife.com. ... However, if you are not satisfied with our resolution provided or have not received any response within 2 (two) weeks, then, you may approach our Grievance Officer at any of our branches or you may write to our Grievance\nRedressal | Officer | at\ngrievance.redressal@indiafirstlife. com.","sources":[{"clause":"Row 5(vii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-vii"}],"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 is as per the chosen Death Benefit Multiple. The brochure says there is no maximum limit, subject to the Board Approved Underwriting Policy.","display":"As per chosen Death Benefit Multiple; no limit as per Board Approved Underwriting Policy.","note":"From the sales brochure. Death benefit multiples vary by GPB option, entry age and Single Pay/Limited Pay.","quote":"Death Benefit Multiple | Option Age at Entry Single Pay Limited Pay* Age 50 years and above only - 5x With GPB Less than age 50 years - 7x Without Age 50 years and above only 1.1x 5x / 11x GPB Less than age 50 years 1.25x 7x / 11x *Death Benefit multiples are multiples of Annualized Premium ... Sum Assured | As per chosen Death Benefit Multiple | No Limit, as per Board Approved Underwriting Policy","sources":[{"clause":null,"heading":"What is the Eligibility Criteria?","page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-what-is-the-eligibility-criteria"}],"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":"Without GPB, on death during the policy term after all due premiums are paid, the higher of Sum Assured on Death, 105% of total premiums paid till death, or higher of GSV and SSV plus Terminal Bonus, if any, is paid and the policy terminates. With GPB, future premiums are waived, the death benefit is payable, and the policy continues with future benefits paid as scheduled.","display":"Without GPB: higher of Sum Assured on Death, 105% of premiums paid, or higher of GSV/SSV plus Terminal Bonus, if any. With GPB: death benefit payable, future premiums waived and future benefits continue.","note":null,"quote":"I. Without Goal Protection Benefit On Death of Life Assured any time during the policy term, provided all due premiums have been paid, the death benefit as given below is paid, and the policy terminates. Death Benefit payable will be higher o i. Sum Assured on Death ii. 105% of total premiums paid till date of death iii. Higher of Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV) Plus, Terminal Bonus, if any ... II. With Goal Protection Benefit On Death of Life Assured any time during the policy term, provided all due premiums have been paid, all future premiums are immediately waived off. The death benefit as given ... below becomes payable and policy continues with all future benefits being paid to the beneficiary as scheduled Death Benefit payable will be higher of: ... i) Sum Assured on Death ... ii) 105% of total premiums paid till date of death ... iii) Higher of Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV)","sources":[{"clause":"Row 5","heading":"Policy Coverage/ benefits payable","page":2,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5"},{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/ KNOW YOUR POLICY","page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-customer-information-sheet-know-your-policy-2"},{"clause":"Row 5(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-i"},{"clause":"Row 5(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-ii"},{"clause":"Row 5(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-iii"}],"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 survival to the end of the policy term, if the policy is in force and all due premiums have been paid, the policyholder receives Guaranteed Sum Assured on Maturity plus Terminal Bonus, if any.","display":"Guaranteed Sum Assured on Maturity plus Terminal Bonus, if any.","note":null,"quote":"Benefits payable on Maturity: On survival till end of the Policy Term provided the Policy is in force and all due Premiums have been paid, Policyholder will receive sum of: i. Guaranteed Sum Assured on Maturity ii. Terminal Bonus, if any","sources":[{"clause":"Row 5(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-iii"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premiums can be paid as Single Pay or Limited Pay of 6, 8, 10 or 12 years. Goal Protection Benefit is not available with Single Pay.","display":"Single Pay or Limited Pay of 6, 8, 10 or 12 years.","note":"From the sales brochure.","quote":"This is a non-linked, participating, individual life insurance savings plan which offers a shorter pay commitment of Single Pay or Limited pay of 6, 8, 10 or 12 years ... Note:\na) Goal Protection Benefit (GPB) is not available with Single Pay.","sources":[{"clause":null,"heading":"What is IndiaFirst Life Growth of Life Dreams Plus Plan?","page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-what-is-indiafirst-life-growth-of-life-dreams-pl"},{"clause":null,"heading":"What is the Eligibility Criteria?","page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-what-is-the-eligibility-criteria"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 100 years without GPB and 90 years with GPB.","display":"Without GPB 100 years; With GPB 90 years.","note":"From the sales brochure.","quote":"Age at Maturity | 20 years | Without GPB 100 years With GPB 90 years","sources":[{"clause":null,"heading":"What is the Eligibility Criteria?","page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-what-is-the-eligibility-criteria"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from commencement of risk or revival, the nominee or beneficiary gets 80% of total premiums paid till death or the surrender value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: 80% of total premiums paid till death or surrender value on death date, whichever is higher.","note":null,"quote":"In case of death due to suicide within 12 months from the date o commencement of risk under the policy or from the date of revival o the policy, as applicable, the nominee or beneficiary of the policyholde shall be entitled to 80% of the tota premiums paid till the date of death or the surrender value available as on the date of death whichever is higher provided the policy is in force.","sources":[{"clause":"Row 5(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-iii"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy may be surrendered during the policy term any time after it has acquired surrender value. The amount payable is the higher of Guaranteed Surrender Value and Special Surrender Value, less survival benefits already paid; the policy acquires GSV on payment of premium for at least two consecutive years.","display":"Higher of GSV and SSV less survival benefits already paid; GSV after at least two consecutive years’ premium.","note":"From the sales brochure.","quote":"You may surrender this Policy during the Policy Term, by submitting a written request to us any time after the Policy has acquired the Surrender Value. Please remember, you cannot revive your Policy once it is surrendered. The amount payable on surrender will be higher of Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV) less any survival benefits already paid. ... The policy shall acquire a Guaranteed Surrender Value on payment of premium for at least two consecutive years.","sources":[{"clause":null,"heading":"What happens if you surrender your Policy?","page":13,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-what-happens-if-you-surrender-your-policy"},{"clause":null,"heading":"Guaranteed Surrender Value (GSV)","page":13,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-guaranteed-surrender-value-gsv"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If premiums are not paid within the grace period, the policy acquires paid-up value provided at least one full year’s premium has been paid. A reduced paid-up policy can be revived within five years; if not revived it continues in reduced paid-up mode until maturity, death or surrender, with reduced death, survival and maturity benefits, no Cash Bonus and no GPB.","display":"Reduced paid-up after at least one full year’s premium; can be revived within five years; no Cash Bonus and GPB not available in reduced paid-up status.","note":"From the sales brochure.","quote":"In case of non-payment of premium within the grace period, policy will acquire paid-up value provided at least one full years’ premium has been paid.\nNote:\n• A Reduced Paid-Up policy can be revived (to the original benefits) within five years from the date of first unpaid Premium subject to the conditions.\n• If policy in Reduced Paid Up mode is not revived during the revival period, it will continue in the reduced paid-up mode until maturity or death or surrender of the policy. ... Goal Protection Benefit (GPB) will not be available for policies in Reduced Paid-up Status. Once the above benefit is paid the policy terminates. ... No Cash Bonus will be payable for policies in reduced paid-up status. ... On survival up to the end of the Policy Term in Reduced Paid-up Status, Policyholder will receive Paid-up Guaranteed Sum Assured on Maturity.","sources":[{"clause":null,"heading":"Paid-up / Reduced Paid-up Benefits","page":12,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-paid-up-reduced-paid-up-benefits"},{"clause":"3(iii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-3-iii"},{"clause":null,"heading":"Survival Benefit under the Reduced Paid-up policy","page":12,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-survival-benefit-under-the-reduced-paid-up-polic"},{"clause":null,"heading":"Maturity Benefit under the Reduced Paid-up policy","page":12,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-maturity-benefit-under-the-reduced-paid-up-polic"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"You may revive the policy within 5 years from the due date of the first unpaid regular premium but before maturity by submitting a written request, paying unpaid premiums with interest, and providing health evidence or medical examination if needed.","display":"Within 5 years from the due date of first unpaid regular premium, before maturity.","note":"From the sales brochure.","quote":"You may revive your Policy within 5 years from the due date of first unpaid regular premium but before the Maturity Date by:\ni. submitting a written request for revival of the Policy;\nii. paying all unpaid due Premiums along with interest; and\niii. providing a declaration of good health and undergoing a medical examination at your own cost, if needed.","sources":[{"clause":null,"heading":"What happens when you wish to revive your Policy?","page":13,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-what-happens-when-you-wish-to-revive-your-policy"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Policy loan is available up to 80% of acquired surrender value, if any, with a minimum loan amount of Rs. 25,000.","display":"Yes, up to 80% of acquired surrender value; minimum Rs. 25,000.","note":"From the sales brochure.","quote":"Yes, you can avail a loan up to 80% of the acquired Surrender Value, if any. The minimum loan amount which can be availed is Rs. 25,000.","sources":[{"clause":null,"heading":"Is Policy Loan available?","page":14,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-is-policy-loan-available"}],"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":["IndiaFirst Life Waiver of Premium Rider (UIN: 143B017V01)","IndiaFirst Life Accidental Death Benefit Rider (UIN: 143B019V01)","IndiaFirst Life Total and Permanent disability Rider (UIN: 143B021V01)"],"display":"IndiaFirst Life Waiver of Premium Rider, Accidental Death Benefit Rider, and Total and Permanent disability Rider.","note":null,"quote":"Riders <IndiaFirst Life Waiver of Premium Rider (UIN: 143B017V01)> ... < IndiaFirst Life Accidental Death Benefit Rider (UIN: 143B019V01)> ... <IndiaFirst Life Total and Permanent disability Rider (UIN: 143B021V01)>","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-4"}],"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. On fraud, it may be called in question within 3 years from those dates with written communication of the grounds and materials.","display":"No questioning after 3 yrs; fraud can be questioned within 3 years from issuance, commencement of risk, revival or rider, whichever is later.","note":"From the sales brochure.","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 ... 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":null,"heading":"Prohibition of Rebate","page":15,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-prohibition-of-rebate"},{"clause":"3(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-3-a"},{"clause":"3(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-3-b"},{"clause":"3(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-3-c"},{"clause":"3(d)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-3-d"},{"clause":"3(d)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-3-d-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits may be available on premiums paid and benefits receivable as per prevailing Income Tax Laws, subject to change; the document advises consulting a tax consultant before investing.","display":"Tax benefits may be available on premiums paid and benefits receivable as per prevailing Income Tax Laws.","note":"From the sales brochure.","quote":"Tax benefits may be available on premiums paid and benefits receivable as per prevailing Income Tax Laws. These are subject to change from time to time as per the Government Tax laws. Please consult your tax consultant before investing.","sources":[{"clause":null,"heading":"What is the Tax Benefits?","page":14,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-what-is-the-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":"You have a free look period of 30 days from the date of receipt of the policy document whether received electronically or otherwise, to review the terms and conditions of the policy and in case you disagree to any of those terms or conditions, you shall have the option to return the policy to us for cancellation","sources":[{"clause":"Row 5(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-iii"}],"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":15},"display":"15 days under monthly mode and 30 days for other premium payment modes","note":"The value and norm use the monthly-mode grace period; other premium payment modes have 30 days.","quote":"You are provided with a Grace Period of 15 days under monthly mode and 30 days for other premium payment modes, in case you miss your due premium on the due dates.","sources":[{"clause":"Row 5(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-5-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 90 days without GPB for policy terms 20, 30 or 40 years, 18 years without GPB for whole life till age 100, and 18 years with GPB. Maximum entry age is 55 years without GPB and 50 years with GPB.","display":"Minimum: 90 days without GPB for 20/30/40 years, 18 years for whole life or with GPB. Maximum: 55 years without GPB, 50 years with GPB.","note":"From the sales brochure.","quote":"Age at Entry | Without GPB 90 days for Policy Term 20/30/40 years 18 years for Whole of Life till age 100 With GPB 18 years | Without GPB 55 years With GPB 50 years","sources":[{"clause":null,"heading":"What is the Eligibility Criteria?","page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-what-is-the-eligibility-criteria"}],"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":["Yearly","Half-Yearly","Quarterly","Monthly"],"display":"Yearly, Half-Yearly, Quarterly, Monthly","note":null,"quote":"Mode of Premium Payment: <Yearly, Half-Yearly, Quarterly, Monthly>","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236#c-row-4"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","Limited pay"],"display":"Single Pay or Limited pay","note":"From the sales brochure. Goal Protection Benefit is not available with Single Pay.","quote":"This is a non-linked, participating, individual life insurance savings plan which offers a shorter pay commitment of Single Pay or Limited pay of 6, 8, 10 or 12 years","sources":[{"clause":null,"heading":"What is IndiaFirst Life Growth of Life Dreams Plus Plan?","page":3,"url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927#c-what-is-indiafirst-life-growth-of-life-dreams-pl"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"cis","label":"IndiaFirst Life Growth of Life Dreams Plus Plan CIS","pages":12,"fetched_at":"2026-10-17 19:53:02+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/cis/individual/indiafirst-life-growth-of-life-dreams-plus-plan/indiafirst-life-growth-of-life-dreams-plus-plan-cis.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9236"},{"kind":"brochure","label":"IndiaFirst Life Growth of Life Dreams Plus Plan_Brochure","pages":18,"fetched_at":"2026-10-17 19:42:20+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/brochures/individual/indiafirst-life-growth-of-life-dreams-plus-plan/indiafirst-life-growth-of-life-dreams-plus-plan-brochure.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/8927"},{"kind":"brochure","label":"Indiafirst Life Growth of Life Dreams Deferred With GPB","pages":2,"fetched_at":"2026-10-17 19:49:27+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/one-pagers/individual/indiafirst-life-growth-of-life-dreams-plus-plan/indiafirst-life-growth-of-life-dreams-deferred-with-gpb.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9136"},{"kind":"brochure","label":"Indiafirst Life Growth of Life Dreams Deferred Without GPB","pages":2,"fetched_at":"2026-10-17 19:49:32+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/one-pagers/individual/indiafirst-life-growth-of-life-dreams-plus-plan/indiafirst-life-growth-of-life-dreams-deferred-without-gpb.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9138"},{"kind":"brochure","label":"Indiafirst Life Growth of Life Dreams Immediate With GPB","pages":2,"fetched_at":"2026-10-17 19:49:38+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/one-pagers/individual/indiafirst-life-growth-of-life-dreams-plus-plan/indiafirst-life-growth-of-life-dreams-immediate-with-gpb.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9141"},{"kind":"brochure","label":"Indiafirst Life Growth of Life Dreams Immediate Without GPB","pages":2,"fetched_at":"2026-10-17 19:49:43+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/one-pagers/individual/indiafirst-life-growth-of-life-dreams-plus-plan/indiafirst-life-growth-of-life-dreams-immediate-without-gpb.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9144"},{"kind":"brochure","label":"GOLD PLUS Product Overview One Pager","pages":2,"fetched_at":"2026-10-17 19:49:49+00","source_url":"https://www.indiafirstlife.com/content/dam/ifliwebsite/in/en/download-center/all-product-related-documents/one-pagers/individual/indiafirst-life-growth-of-life-dreams-plus-plan/gold-plus-product-overview-one-pager.pdf","url":"https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01/document/9147"}],"versions":[],"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 Growth of Life Dreams Plus Plan (UIN 143N102V01), IndiaInsurances, https://indiainsurances.com/policy/indiafirst-life-insurance/indiafirst-life-growth-of-life-dreams-plus-plan-143n102v01"}