{"uin":"147N113V03","name":"Edelweiss Life - Active Pension Plus Advantage","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03","insurer":{"slug":"edelweiss-life-insurance","name":"Edelweiss Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/edelweiss-life-insurance"},"line":"life","category":"pension-annuity","category_name":"Pension and annuity","irdai_type":"Product","kind":"product","status":"active","approved_on":"2025-03-06","withdrawn_on":null,"summary":"Edelweiss Life - Active Pension Plus Advantage is an individual non-linked non-participating savings general annuity plan with immediate and deferred annuity options. It has a 30-day free-look period, no policy loan, and no maturity benefit.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:07:12.182286+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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 pays annuity from the annuity commencement date for the lifetime of the annuitant; on joint life options, annuity is payable while either annuitant is alive. The policy terminates as stated on death under the selected annuity option.","display":"Lifetime annuity; joint life continues while either annuitant is alive","note":null,"quote":"On survival of the Annuitant, starting from Annuity Commencement Date, Annuity as mentioned in the Policy Schedule will be payable in arrears as per the Annuity Payout Mode selected till the date the Annuitant is alive. ... On survival of either of the Annuitants, starting from Annuity Commencement Date, Annuity as mentioned in the Policy Schedule will become payable in arrears as per the Annuity Payout Mode selected till the date either of the Annuitant is alive.","sources":[{"clause":"2","heading":"Survival Benefit","page":11,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-2-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Death claim intimation is required within 90 days from the date of death, but the insurer may condone delay for a genuine claim where the delay was beyond the claimant's control.","display":"Within 90 days from the date of death","note":null,"quote":"The claim is required to be intimated to us within a period of 90 days from the date of death. However, we may condone the delay in claim intimation, if any, where the claim is genuine, and the delay is proved to be for reasons beyond the control of the claimant.","sources":[{"clause":"Part F(vi)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-vi-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["The claim form, duly completed","The original or an attested copy of the death certificate","The original Policy Document","Personalized cancelled cheque or copy of bank passbook of Nominee","Documents to establish right of the claimant in the absence of valid nomination","Any other information or documentation that we request","KYC documentation from Nominee","Copy of FIR and Panchnama","Copy of the Postmortem report","Copy of Newspaper clipping, if any","Copy of the final Police Investigation Report","Copy of the Chargesheet in case of murder","Copy of Driving License if the Life Insured was driving at the time of death"],"display":"Claim form, death certificate, policy document, nominee bank proof, claimant-right documents if needed, KYC and extra accident/unnatural death documents","note":"Additional documents apply in case of death due to accident and unnatural death.","quote":"I) The claim form, duly completed; ... II) The original or an attested copy of the death certificate; ... III) The original Policy Document; ... IV) Personalized cancelled cheque or copy of bank passbook of Nominee; ... V) Documents to establish right of the claimant in the absence of valid nomination ... VI) Any other information or documentation that we request. ... VII) KYC documentation from Nominee ... i) Copy of FIR and Panchnama; ... ii) Copy of the Postmortem report; ... iii) Copy of Newspaper clipping, if any; ... iv) Copy of the final Police Investigation Report; ... v) Copy of the Chargesheet in case of murder; ... vi) Copy of Driving License if the Life Insured was driving at the time of death","sources":[{"clause":"Part F(I)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-i"},{"clause":"Part F(II)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-ii"},{"clause":"Part F(III)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-iii"},{"clause":"Part F(IV)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-iv"},{"clause":"Part F(V)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-v"},{"clause":"Part F(VI)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-vi"},{"clause":"Part F(VII)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-vii"},{"clause":"Part F(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-i-2"},{"clause":"Part F(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-ii-2"},{"clause":"Part F(iii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-iii-2"},{"clause":"Part F(iv)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-iv-2"},{"clause":"Part F(v)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-v-2"},{"clause":"Part F(vi)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-vi-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"A claim would be settled within 15 days from the date of intimation for cases not warranting investigation, and within 45 days from the date of intimation for cases warranting investigation.","display":"15 days from intimation; 45 days if investigation is required","note":"This time promise is stated in the Customer Information Sheet.","quote":"A claim would be settled within • 15 days from the date of intimation of claim, for cases not warranting investigation. • 45 days from the date of intimation of claim, for cases warranting investigation","sources":[{"clause":"7","heading":"Early Exit Benefit","page":9,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5475#c-7"}],"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 during Deferment Period within 12 months from the date of commencement of risk or revival"],"display":"Suicide during Deferment Period within 12 months; no exclusions other than suicide clause","note":null,"quote":"Suicide:\nDuring Deferment Period, in case of death of the Annuitant is 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, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death or Surrender Value available as on the date of death whichever is higher, provided the policy is in force. The policy will terminate on making such a payment, and no further benefits are payable. ... There are no exclusions other than suicide clause.","sources":[{"clause":null,"heading":"GENERAL TERMS AND CONDITIONS","page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-general-terms-and-conditions"}],"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":"Customers can first raise a grievance through Edelweiss Life's grievance touchpoints, including complaints@edelweisslife.in, the Grievance Redressal Officer at GRO@edelweisslife.in, branch heads designated as GROs, phone, WhatsApp, post, online or branch visit. A final resolution is provided within 14 days of receipt.","display":"Complain to Edelweiss Life grievance touchpoints or GRO first; final resolution within 14 days","note":null,"quote":"Customers can register a grievance through any of the following: ... Email: complaints@edelweisslife.in ... Grievance Redressal Officer (GRO) ... Email: GRO@edelweisslife.in ... Branch Heads are also designated as GROs at respective branch offices. ... A final resolution is provided within 14 days of receipt","sources":[{"clause":null,"heading":"Grievance Redressal Touchpoints","page":24,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-grievance-redressal-touchpoints"},{"clause":null,"heading":"Grievance Redressal Process","page":24,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-grievance-redressal-process"}],"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":"not-stated","value":null,"display":null,"note":"The Customer Information Sheet shows placeholders for Sum Assured on death and maturity but does not state a minimum, maximum or rule.","quote":null,"sources":[],"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":"Death benefit depends on the annuity option chosen. Immediate Life Annuity without return of purchase price ceases with no further benefit; immediate annuity with return of purchase price pays Purchase Price on death or on death of the last survivor. Deferred annuity options pay an Assured Benefit during the deferment period, and return-of-purchase-price deferred options pay an Assured Benefit during or after deferment, subject to the policy wording.","display":"Depends on annuity option; may cease, continue to survivor, pay Purchase Price, or pay Assured Benefit","note":null,"quote":"In case of death of the Annuitant(s) while policy is In force, following death benefit will be paid depending upon option chosen: ... In case of death of the Annuitant, annuity ceases immediately\nand the policy will terminate without any further benefits. ... The Purchase Price, will be paid in lump sum to the Nominee and the Policy will terminate without any further benefits. ... In case of first death of any of the two Annuitants, the surviving Annuitant would continue to receive 100% of Annuity as originally contracted for his/ her lifetime. ... During the Deferment Period: In case of death of the Annuitant, while the policy is In force, Assured Benefit will be paid in lump sum and the policy will terminate without any further benefits. ... During or after the Deferment Period: In case of death of the Annuitant, while the policy is In force, Assured Benefit will be paid in lump sum and the policy will terminate.","sources":[{"clause":"1","heading":"Death Benefit","page":9,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-1-2"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"No maturity benefit is payable under the policy.","display":"No maturity benefit","note":null,"quote":"Maturity Benefit – No maturity benefit is payable under the Policy.","sources":[{"clause":"3","heading":"Maturity Benefit","page":12,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-3-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying term is Single Premium or 2/3/4/5/6/7/8/9/10 years.","display":"Single Premium/2/3/4/5/6/7/8/9/10 Years","note":null,"quote":"Premium Payment Term (PPT) | (Single Premium/2/3/4/5/6/7/8/9/10 Years)","sources":[{"clause":null,"heading":"Annuity Details","page":4,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-annuity-details"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Not applicable; the brochure states the minimum and maximum maturity age is not applicable.","display":"Not Applicable","note":"From the sales brochure.","quote":"Minimum / Maximum Maturity Age | Not Applicable","sources":[{"clause":null,"heading":"How does this plan work?","page":3,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5494#c-how-does-this-plan-work"}],"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":"During the deferment period, if death is due to suicide within 12 months from commencement of risk or revival, the nominee or beneficiary is entitled to at least 80% of Total Premiums Paid till death or the Surrender Value on the date of death, whichever is higher, provided the policy is in force. After the deferment period for deferred annuity and for immediate annuity, the suicide clause is not applicable and the death benefit as per the chosen option applies.","display":"Within 12 months during deferment: at least 80% of Total Premiums Paid or Surrender Value, whichever is higher","note":null,"quote":"During Deferment Period, in case of death of the Annuitant is 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, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death or Surrender Value available as on the date of death whichever is higher, provided the policy is in force. ... In case of death due to suicide after the Deferment Period for Deferred Annuity and for Immediate Annuity, the suicide clause is not applicable and Death Benefit as per the option chosen will be applicable","sources":[{"clause":null,"heading":"GENERAL TERMS AND CONDITIONS","page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-general-terms-and-conditions"}],"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":"Immediate annuity has no surrender benefit, but early exit is available for Immediate Life Annuity with Return of Purchase Price on Death. Deferred annuity surrender during the deferment period is the higher of Guaranteed Surrender Value and Special Surrender Value, and surrender value is nil after the deferment period.","display":"Immediate annuity: no surrender benefit; deferred annuity: higher of GSV and SSV during deferment, nil after deferment","note":null,"quote":"Immediate Annuity Surrender Benefit is not available under Immediate Annuity Type. However, an Early Exit Benefit is available for Immediate Life Annuity with Return of Purchase Price on Death.\nDeferred Annuity The Surrender Value payable is higher of Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV) for surrender during the Deferment Period. The Surrender Value will be nil after the Deferment Period.","sources":[{"clause":"1","heading":"Surrender Benefit","page":16,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-1-3"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"For single premium, reduced paid-up is not applicable. Under limited premium, if the first full policy year's premium has not been paid, no paid-up value is payable; after completion of the first policy year with one full year's premium paid, the policy continues as a Reduced Paid-up policy and benefits are reduced proportionately.","display":"Limited premium only; after one full year's premium, benefits reduce proportionately","note":null,"quote":"Single Premium Payment Option:\nNot Applicable\nLimited Premium Payment Option:\nIf all the Premium has not been paid in full for at least first policy year, no paid-up value will be payable.\nAfter completion of first policy year provided one full year’s Premium has been paid, then on premium discontinuance the policy will continue as a ‘Reduced Paid-up’ policy and all the benefits shall be reduced proportionately.","sources":[{"clause":null,"heading":"Immediate Annuity","page":13,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-immediate-annuity"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed or reduced paid-up policy may be revived within five consecutive complete years from the due date of the first unpaid premium by written intimation and payment of overdue premiums with interest, subject to proof of continued insurability and underwriting acceptance.","display":"Within 5 consecutive complete years from the due date of the first unpaid Premium","note":null,"quote":"Any such Policy may be revived within a Revival Period of five consecutive complete years from the due date of the first unpaid Premium by giving us a written intimation to revive the Policy and payment of all overdue Premiums with interest, as may be declared by the Company from time to time, for every completed month from the date of first unpaid Premium. ... The Revival will be effected subject to the receipt of the proof of continued insurability of Annuitant(s) and the acceptance of the risk by the Underwriter.","sources":[{"clause":"4","heading":"Revival","page":17,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-4-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loan is not applicable under this policy.","display":"Not applicable","note":null,"quote":"Loan is not applicable under this policy.","sources":[{"clause":"3","heading":"Loan under the Policy","page":17,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-3-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The documents do not list any optional riders available for purchase with the base product.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The document says statutory taxes will be as per tax laws and paid separately over and above premiums, and tax benefits, if any, would be as per prevailing provisions of Indian tax laws.","display":"Tax benefits, if any, as per prevailing tax laws in India","note":null,"quote":"Statutory Taxes, if any, imposed on such insurance plans by the Government of India or any other constitutional tax Authority of India shall be as per the Tax laws and the rate of tax as applicable from time to time. ... The tax benefits, if any, would be as per the prevailing provisions of the tax laws in India.","sources":[{"clause":"Part F(vi)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-part-f-vi-2"}],"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 thirty (30) days beginning from the date of receipt of the Policy Document, whether received electronically or otherwise, to review the terms and conditions of this Policy.","sources":[{"clause":"5","heading":"Free look Period","page":18,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-5"}],"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; 15 days for monthly premium payment","note":"15 days applies where the Policyholder pays premium on a monthly basis; 30 days applies in all other cases.","quote":"We will allow a Grace Period of 15 days where the Policyholder pays the Premium on a monthly basis, and 30 days in all other cases during which you must pay the Premium due in full. The Policy will be In force during the Grace Period.","sources":[{"clause":"4","heading":"Payment of Premium and Discontinuance of Premium Payment","page":12,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Immediate annuity entry age is 40 to 85 years. Deferred annuity entry age is minimum 35 years; maximum is 70 years for Deferred Life Annuity and 80 years for Deferred Life Annuity with Return of Purchase Price on Death. For specified single-premium options bought from proceeds of death benefit, vesting or surrender of Edelweiss Life pension policies, minimum entry age is 0 years.","display":"Immediate: 40 to 85 years; Deferred: 35 to 70 or 80 years","note":"From the sales brochure.","quote":"Minimum Entry Age (Age Last Birthday) | 40 Years&& | 35 Years\nMaximum Entry Age (Age Last Birthday) | 85 Years | Deferred Life Annuity - 70 Years Deferred Life Annuity with Return of Purchase Price on Death - 80 Years ... && For all options with Single Premium payment option (Single Life Basis) purchased from the proceeds of the death benefit/vesting/surrender of all the pension policies of Edelweiss Life Insurance Co Ltd., the Minimum Entry Age will be 0 years (Age Last Birthday).","sources":[{"clause":null,"heading":"How does this plan work?","page":3,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5494#c-how-does-this-plan-work"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Monthly","Quarterly","Half-Yearly","Yearly"],"display":"Monthly, Quarterly, Half-Yearly, Yearly","note":null,"quote":"Premium Payment Frequency, if applicable | NA/Monthly/Quarterly/ Half-Yearly/ Yearly","sources":[{"clause":null,"heading":"Annuity Details","page":4,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-annuity-details"}],"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"],"display":"Single, Limited","note":null,"quote":"Premium Payment Option | (Single | Limited )","sources":[{"clause":null,"heading":"Annuity Details","page":4,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-annuity-details"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"quote-verified","value":["Immediate Life Annuity (Single Life Basis / Joint Life Basis)","Immediate Life Annuity with Return of Purchase Price on Death (Single Life Basis / Joint Life Basis)","Deferred Life Annuity (Single Life Basis / Joint Life Basis)","Deferred Life Annuity with Return of Purchase Price on Death (Single Life Basis / Joint Life Basis)"],"display":"Immediate Life Annuity; Immediate Life Annuity with Return of Purchase Price on Death; Deferred Life Annuity; Deferred Life Annuity with Return of Purchase Price on Death","note":null,"quote":"Annuity Option | << Immediate Life Annuity (Single Life Basis / Joint Life Basis) / Immediate Life Annuity with Return of Purchase Price on Death (Single Life Basis / Joint Life Basis) / Deferred Life Annuity (Single Life Basis / Joint Life Basis) / Deferred Life Annuity with Return of Purchase Price on Death (Single Life Basis / Joint Life Basis) >>","sources":[{"clause":null,"heading":"Annuity Details","page":4,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-annuity-details"}],"law":[]},{"key":"purchase_price_min","label":"Minimum purchase price","section":"Eligibility","meaning":"Smallest lump sum or annuity accepted.","status":"quote-verified","value":"Minimum premium is Rs. 2,00,000 for Immediate Annuity. For Deferred Annuity, minimum is Rs. 2,00,000 for Single Premium, and for Limited Pay Option it is Yearly Rs. 1,00,000, Half-yearly Rs. 51,200, Quarterly Rs. 26,000 and Monthly Rs. 8,800.","display":"Immediate: Rs. 2,00,000; Deferred single premium: Rs. 2,00,000; Deferred limited pay: Rs. 1,00,000 yearly, Rs. 51,200 half-yearly, Rs. 26,000 quarterly, Rs. 8,800 monthly","note":"From the sales brochure; it also says minimums are subject to a minimum annuity amount of at least Rs.1,000 per month.","quote":"Minimum Premium** | Rs. 2,00,000 | For Single Premium: Rs. 2,00,000 For Limited Pay Option - Yearly Rs. 1,00,000 Half- yearly Rs. 51,200 Quarterly Rs. 26,000 Monthly Rs. 8,800","sources":[{"clause":null,"heading":"How does this plan work?","page":3,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5494#c-how-does-this-plan-work"}],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"quote-verified","value":"For deferred annuity, the deferment period can be 5, 6, 7, 8, 9, 10, 12, 15, 20, 25 or 30 years; for immediate annuity it is NA.","display":"NA/5/6/7/8/9/10/12/15/20/25/30 Years","note":null,"quote":"Deferment Period, if applicable | (NA/5/6/7/8/9/10/12/15/20/25/30 Years)","sources":[{"clause":null,"heading":"Annuity Details","page":4,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-annuity-details"}],"law":[]},{"key":"annuity_frequency","label":"Payout frequency","section":"Cover","meaning":"Monthly, quarterly, half-yearly, yearly.","status":"quote-verified","value":["Monthly","Quarterly","Half-Yearly","Yearly"],"display":"Monthly, Quarterly, Half-Yearly, Yearly","note":null,"quote":"Annuity Payout Mode | Monthly/Quarterly/ Half-Yearly/ Yearly","sources":[{"clause":null,"heading":"Annuity Details","page":4,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474#c-annuity-details"}],"law":[]},{"key":"annuity_rate_example","label":"Example annuity rate","section":"Cover","meaning":"An example from the document; rates change with age and over time.","status":"quote-verified","value":"For a male annuitant aged 55 years with an annualized premium of Rs. 5,00,000, the brochure illustrates monthly annuity amounts of Rs. 24,281 for Deferred Life Annuity, Rs. 21,347 for Deferred Life Annuity with Return of Purchase Price on Death, Rs. 2,949 for Immediate Life Annuity, and Rs. 2,512 for Immediate Life Annuity with Return of Purchase Price on Death.","display":"Male age 55, annualized premium Rs. 5,00,000: monthly annuity Rs. 24,281, Rs. 21,347, Rs. 2,949 or Rs. 2,512 by option","note":"From the sales brochure; rates vary by option and assumptions.","quote":"Illustration: The table below illustrates the Annuity payable for a Male Annuitant aged 55 years and an Annualized Premium of Rs. 5,00,000 (excluding any applicable taxes). ... Deferred Life Annuity | 24,281\nDeferred Life Annuity with Return of Purchase Price on Death | 21,347\nImmediate Life Annuity | 2,949\nImmediate Life Annuity with Return of Purchase Price on Death | 2,512","sources":[{"clause":null,"heading":"Annuity Payout Mode","page":10,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5494#c-annuity-payout-mode"}],"law":[]}],"documents":[{"kind":"wording","label":"Edelweiss Life - Active Pension Plus Advantage Sample Contract","pages":36,"fetched_at":"2026-10-17 19:32:29+00","source_url":"https://www.edelweisslife.in/documents/20121/5555735/Edelweiss_Life_Active_Pension_Plus_Advantage_v3_Sample_Policy_Contract.pdf/d26dfba1-9858-5d25-28c7-02e3ee1f4518?version=1.0&t=1786011362405","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5474"},{"kind":"cis","label":"Edelweiss Life - Active Pension Plus Advantage Customer Information Sheet","pages":16,"fetched_at":"2026-10-17 19:32:31+00","source_url":"https://www.edelweisslife.in/documents/20121/5555735/Edelweiss_Life_Active_Pension_Plus_Advantage_v3_Sample_CIS.pdf/fe5bf302-2835-440e-87f4-a8516e6fb048?version=1.0&t=1786011373040","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5475"},{"kind":"brochure","label":"Edelweiss Life - Active Pension Plus Advantage Product Brochure","pages":21,"fetched_at":"2026-10-17 19:32:28+00","source_url":"https://www.edelweisslife.in/documents/20121/5555735/Edelweiss+Life_+Active+Pension+Plus+Advantage+V03.pdf/b4c52c3e-8a10-b9a6-f52a-3ceb2ef1f0bd?version=1.0&t=1787135155010","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/5494"},{"kind":"premium","label":"Edelweiss Life - Active Pension Plus Advantage Rate Table","pages":null,"fetched_at":"2026-10-17 19:32:26+00","source_url":"https://www.edelweisslife.in/documents/20121/5219612/APPA+V03+Sample+Rates.pdf/b4b63943-e51a-9c4a-5656-4cce1a68833b?version=1.0&t=1790827329431","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03/document/19551"}],"versions":[{"uin":"147N113V01","version":null,"approved_on":null},{"uin":"147N113V03","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Edelweiss Life Insurance official website","url":"https://www.edelweisslife.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Report a claim","url":"https://www.edelweisslife.in/claim/intimation","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.edelweisslife.in/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":"Edelweiss Life - Active Pension Plus Advantage (UIN 147N113V03), IndiaInsurances, https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-active-pension-plus-advantage-147n113v03"}