{"uin":"147N115V02","name":"Edelweiss Life - Premier Guaranteed STAR Pro","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02","insurer":{"slug":"edelweiss-life-insurance","name":"Edelweiss Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/edelweiss-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":"Product","kind":"product","status":"active","approved_on":"2025-11-14","withdrawn_on":null,"summary":"Edelweiss Life – Premier Guaranteed STAR Pro is an individual, non-linked, non-participating savings life insurance plan with Lump Sum and Lump Sum plus Income options. It has a 30-day free-look period, limited premium paying terms of 5, 6, 7, 8, 10 or 12 years, and a death benefit based on the higher of the chosen Sum Assured on Death, 105% of total premiums paid, or surrender value.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:03:56.940481+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":["Lump Sum Option","Lump Sum plus Income Option"],"display":"Lump Sum Option; Lump Sum plus Income Option","note":null,"quote":"Plan Options: | means one of the following options, as stated in the Policy Schedule, and cannot be changed anytime during the Policy Term. 1. Lump Sum Option 2. Lump Sum plus Income Option","sources":[{"clause":null,"heading":"Maturity/Maturity","page":7,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-maturity-maturity"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 with all necessary claim documents is required within 90 days from the date of death. Delay may be condoned if valid reasons are given.","display":"Within 90 days from the date of death","note":null,"quote":"The claim is required to be intimated to us along with all necessary claim documents required within 90 days from the date of death. However, we may condone the delay in claim intimation, if any, provided valid reasons are given for the delay.","sources":[{"clause":"Part F(vi)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-part-f-vi"}],"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","Documents to establish right of the claimant in the absence of valid nomination","Any other information or documentation that we request","Copy of FIR and Panchnama","Copy of the Post Mortem 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, original Policy Document, claimant-right documents if no valid nomination, any other requested documents; for accident or unnatural death, FIR and Panchnama, post-mortem report, newspaper clipping if any, final police investigation report, chargesheet in murder, and driving licence if applicable.","note":null,"quote":"i) The claim form, duly completed; ... ii) The original or an attested copy of the death certificate; ... iii) The original Policy Document; ... iv) Documents to establish right of the claimant in the absence of valid nomination ... v) Any other information or documentation that we request.\nIn case of Death due to Accident and unnatural death, the following additional documents are required:\ni. Copy of FIR and Panchnama;\nii. Copy of the Post Mortem report;\niii. Copy of Newspaper clipping, if any;\niv. Copy of the final Police Investigation Report;\nv. 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-premier-guaranteed-star-pro-147n115v02/document/5467#c-part-f-i"},{"clause":"Part F(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-part-f-ii"},{"clause":"Part F(iii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-part-f-iii"},{"clause":"Part F(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-part-f-iv"},{"clause":"Part F(v)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-part-f-v"},{"clause":"Part F(vi)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-part-f-vi"}],"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 intimation for cases not warranting investigation, and within 45 days from intimation for cases warranting investigation.","display":"15 days from intimation; 45 days if investigation is needed","note":"From 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":null,"heading":"Reduced Paid-up Guaranteed Additions (applicable for","page":7,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5466#c-reduced-paid-up-guaranteed-additions-applicable"}],"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":["death of the Life Insured due to suicide within 12 months from the Risk Commencement Date or from the date of Revival of the Policy"],"display":"Suicide within 12 months from risk commencement or revival is paid only as stated in the suicide clause.","note":null,"quote":"In case of death of the Life Insured due to suicide within 12 months from the Risk Commencement Date or from the date of Revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to 80% of the Total 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. The Policy will terminate on making such a payment, and no further benefits are payable.","sources":[{"clause":null,"heading":"Suicide","page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-suicide"}],"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 raise a service request through toll-free number, WhatsApp, email care@edelweisslife.in, post, online or branches; if not satisfied with the care team, they may escalate to priority@edelweisslife.in. Grievances can also be registered through complaints@edelweisslife.in or the Grievance Redressal Officer at GRO@edelweisslife.in.","display":"First contact Customer Care; if not satisfied, escalate to priority@edelweisslife.in, complaints@edelweisslife.in or the GRO.","note":null,"quote":"Customers can raise any service request through any of the following (please keep your details like policy number, registered no and/or registered email id handy):\n• Toll-Free: 1-800-2121-212 (Mon–Sat, 10 AM–7 PM, except Public Holidays)\n• Whatsapp: 9833521212 – Write “Hi” (Available 24X7)\n• Email: care@edelweisslife.in ... If you are not satisfied with the resolution provided by the care team, you may escalate to priority@edelweisslife.in ... Customers can register a grievance through any of the following: ... • Email: complaints@edelweisslife.in ... • Grievance Redressal Officer (GRO)\n• Phone: +91-22-71013322 (Mon–Fri, 10 AM–6 PM, except Public Holidays)\n• Email: GRO@edelweisslife.in","sources":[{"clause":null,"heading":"Service Request Touchpoints","page":23,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-service-request-touchpoints"},{"clause":null,"heading":"Grievance Redressal Touchpoints","page":23,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-grievance-redressal-touchpoints"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum Assured on Death varies by the chosen Death Benefit Option: Option 1 is 7 times annualized premium for entry age below 50 years and 5 times annualized premium for entry age 50 years and above; Option 2 is the higher of 10 times annualized premium and 10 times annual premium; Option 3 is 20 times annualized premium.","display":"SAD: 7x annualized premium below age 50, 5x at age 50 and above; or higher of 10x annualized and 10x annual premium; or 20x annualized premium","note":"The policy schedule carries the actual Sum Assured on Death and Sum Assured on Maturity amounts for an issued policy.","quote":"#Sum Assured on Death (SAD) varies with the Death Benefit Option chosen by the policyholder as follows:\nDeath Benefit Option 1:\nFor age at entry less than 50 years: 7 times the Annualized Premium For age at entry 50 years and above: 5 times the Annualized Premium Death Benefit Option 2:\nSAD is Higher of 10 times the Annualized Premium and 10 times the Annual Premium\nDeath Benefit Option 3:\nSAD is 20 times the Annualized Premium","sources":[{"clause":"1","heading":"Death Benefit","page":11,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-1"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"On death during the policy term while in force, the policy pays a lump sum and terminates. The death benefit is the higher of Sum Assured on Death as per the chosen option, 105% of total premiums paid, or surrender value at death; under Lump Sum plus Income, the income benefit payout due in the policy year of death is also paid pro rata after adjusting survival benefits already paid in that policy year.","display":"Higher of chosen SAD, 105% of total premiums paid, or surrender value; plus pro-rata income payout for Lump Sum plus Income","note":"For death of a minor life insured, the death benefit is paid to the proposer.","quote":"In case of death of the Life Insured during the Policy Term, while the Policy is In- Force, the Death Benefit will be payable as lump sum, and Policy will be terminated. | The Death Benefit payable is higher of • Sum Assured on Death# as per the chosen Death Benefit Option • 105% of Total Premiums Paid • Surrender Value applicable at the time of death ... In addition, the Income Benefit Pay-out due in the Policy Year of death will be paid on pro-rata basis considering the number of months elapsed in the Policy Year and duly adjusted for the Survival Benefits paid out in that Policy Year.","sources":[{"clause":"1","heading":"Death Benefit","page":11,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-1"}],"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 maturity while in force, the Lump Sum option pays Sum Assured on Maturity plus accrued Guaranteed Additions. The Lump Sum plus Income option pays Sum Assured on Maturity.","display":"Lump Sum: Sum Assured on Maturity plus accrued Guaranteed Additions; Lump Sum plus Income: Sum Assured on Maturity","note":null,"quote":"Maturity of the Policy | Lump Sum Option | On survival of the Life Insured till the Date of Maturity, while the Policy is In-Force, the Maturity Benefit is payable as lump sum and the Policy will be terminated | Sum Assured on Maturity plus accrued Guaranteed Additions.\nLump Sum plus Income Option | On survival of the Life Insured till the Date of Maturity, while the Policy is In-Force, the Maturity Benefit is payable as lump sum and the Policy will be terminated | Sum Assured on Maturity","sources":[{"clause":"3","heading":"Maturity Benefit","page":12,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-3"}],"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 options are 5, 6, 7, 8, 10 and 12 years.","display":"5, 6, 7, 8, 10 or 12 years","note":null,"quote":"Premium Paying Term (PPT) (in years) | << 5 | 6 | 7 | 8 | 10 | 12>>","sources":[{"clause":null,"heading":"Policy Details","page":4,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-policy-details"}],"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 85 years for the Lump Sum option and 100 years for the Lump Sum plus Income option.","display":"85 years for Lump Sum; 100 years for Lump Sum plus Income","note":"From the sales brochure.","quote":"Maximum Maturity Age | 85 years (Age Last Birthday | 100 years (Age Last Birthday)","sources":[{"clause":null,"heading":"Why Edelweiss Life – Premier Guaranteed STAR Pro?","page":3,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5468#c-why-edelweiss-life-premier-guaranteed-star-pro"}],"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 risk commencement or from revival, the nominee or beneficiary gets 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. The policy terminates and no further benefits are payable.","display":"Within 12 months: higher of 80% of total premiums paid or surrender value, if in force","note":null,"quote":"In case of death of the Life Insured due to suicide within 12 months from the Risk Commencement Date or from the date of Revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to 80% of the Total 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. The Policy will terminate on making such a payment, and no further benefits are payable.","sources":[{"clause":null,"heading":"Suicide","page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-suicide"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy acquires surrender value provided one full year's premium has been paid, and it is payable after completion of the first policy year. On surrender, the payable surrender value is the higher of Guaranteed Surrender Value and Special Surrender Value; Guaranteed Surrender Value is acquired on payment of premium for at least two consecutive years.","display":"Available after one full year's premium and completion of first policy year; higher of GSV and SSV","note":null,"quote":"The Policy will acquire Surrender Value provided one full year’s Premium has been paid and is payable after completion of the first Policy year. On receipt of a written request for Surrender from you, the Surrender Value, if any, will be paid, the Policy will be terminated and all the benefits under the Policy shall cease to apply.\nSurrender Value:\nThe Surrender Value payable is higher of Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV). ... The Policy shall acquire a Guaranteed Surrender Value on payment of Premium for at least two consecutive years.","sources":[{"clause":"1","heading":null,"page":15,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-1-2"}],"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 for at least the first policy year are not fully paid, paid-up value is nil. After completion of the first policy year with one full year's premium paid, premium discontinuance makes the policy Reduced Paid-up and benefits are reduced proportionately using the reduced paid-up factor.","display":"Nil before one full year's premium; after first policy year and one full year's premium, policy continues as Reduced Paid-up with proportionately reduced benefits","note":null,"quote":"If all Premiums for at least first Policy Year, have not been paid in full, then paid-up value is nil. After 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 the benefits shall be reduced proportionately. ... Reduced paid-up factor = (Total number of months for which Premiums are paid / Total number of months for which Premiums are payable)","sources":[{"clause":"4(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-4-ii"},{"clause":null,"heading":"Reduced Paid-up Income Benefit Pay-out (applicable for Lump Sum plus Income","page":14,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-reduced-paid-up-income-benefit-pay-out-applicabl"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"If premiums are not paid within the grace period, the policy may be revived within five consecutive years from the date of first unpaid premium, subject to written application, proof of continued insurability, payment of overdue premiums and interest, and underwriting acceptance.","display":"5 consecutive years from the date of first unpaid premium","note":null,"quote":"If Premiums are not paid within the Grace Period, the Policy lapses without any benefit or becomes Reduced Paid-up. The Policy may be revived within the Revival Period. Revival Period means the period of five consecutive years from the date of first unpaid Premium, during which period the Policyholder is entitled to revive the Policy which was discontinued due to the non-payment of Premium. The revival will be considered on receipt of written application from the Policyholder along with the proof of continued insurability of Life Insured and on payment of all overdue Premiums.","sources":[{"clause":"4","heading":null,"page":16,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#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":"A policy loan may be taken during the policy term by written request once the policy has acquired surrender value. The maximum loan is 60% of surrender value less any outstanding policy loan and accumulated or accrued interest; interest is based on Three year SBI MCLR + 0.50% subject to a floor of 7.00%.","display":"Yes, after surrender value; maximum 60% of surrender value less outstanding loan and interest","note":"The policy wording states the loan interest rate as on 15th June 2026 is 9.30% compounded per annum.","quote":"You may take a loan under the Policy, during Policy Term by giving us a written request provided the Policy has acquired the Surrender Value. The maximum loan amount you may avail 60% of Surrender Value applicable under the Policy when a request for a loan is received less any outstanding Policy Loan plus accumulated/accrued interest, if any, on that date. ... Interest will be charged on the outstanding loan amount at a rate declared by the Company from time to time based on then prevailing market conditions and will be equal to “Three year (tenure) SBI MCLR + 0.50% subject to floor of 7.00%.","sources":[{"clause":"4","heading":null,"page":16,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-4-2"}],"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":["Edelweiss Life – Accidental Total and Permanent Disability Rider","Edelweiss Life – Accidental Death Benefit Rider","Edelweiss Life – Critical Illness Rider","Edelweiss Life – Waiver of Premium Rider","Edelweiss Life – Payor Waiver Benefit Rider"],"display":"Accidental Total and Permanent Disability, Accidental Death Benefit, Critical Illness, Waiver of Premium, and Payor Waiver Benefit riders","note":null,"quote":"Rider Name | UIN | Rider Sum Assured | Modal Premium plus applicable taxes | Term (years) | PPT (years)\nEdelweiss Life – Accidental Total and Permanent Disability Rider | 147B001V05 | Rs. | Rs. incl. any u/w extra\nEdelweiss Life – Accidental Death Benefit Rider | 147B002V05 | Rs. | Rs. incl. any u/w extra\nEdelweiss Life – Critical Illness Rider | 147B005V05 | Rs. | Rs. incl. any\nIllness Rider | u/w extra\nEdelweiss Life – Waiver of Premium Rider | 147B003V06 | NA | Rs. incl. any\nof Premium Rider | u/w extra\nEdelweiss Life – Payor Waiver Benefit Rider | 147B014V06 | Death | Rs. incl. any u/w extra","sources":[{"clause":null,"heading":"BENEFIT INFORMATION","page":4,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-benefit-information"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after expiry of 3 years from the later of issuance, commencement of risk, revival, or rider date. Within 3 years it may be questioned on fraud or material misstatement, with written communication of the grounds and materials; for non-fraud misstatement, premium collected till repudiation is payable within 90 days.","display":"No questioning after 3 years; within 3 years for fraud or material misstatement with written grounds","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 years from\na) the date of issuance of Policy; or\nb) the date of commencement of risk; or\nc) the date of Revival of Policy; or\nd) the date of rider to the Policy\n- whichever is later. ... On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected on Policy till the date of repudiation shall be paid to the insured or legal representative or Nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":null,"page":32,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-1-5"},{"clause":"2","heading":null,"page":32,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-2-4"},{"clause":"6","heading":null,"page":32,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-6-3"},{"clause":"7","heading":null,"page":32,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-7-2"}],"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, if any, are as per the prevailing provisions of the tax laws in India, and the policyholder or nominee is liable for compliance with applicable tax provisions.","display":"Tax benefits, if any, as per prevailing tax laws in India","note":null,"quote":"The tax benefits, if any, would be as per the prevailing provisions of the tax laws in India. The Policyholder or the Nominee shall be liable for compliance of applicable tax provisions.","sources":[{"clause":"Part F(vi)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-part-f-vi"}],"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":"4","heading":null,"page":16,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-4-2"}],"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","note":"15 days applies where premium is paid monthly; 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(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-4-i"}],"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 0 years age last birthday. Maximum entry age depends on plan, death benefit option and premium paying term: Death Benefit Option 1 up to 65 for all PPTs; Death Benefit Option 2 up to 60 for PPT 5, 6 and 7 years and 65 for PPT 8, 10 and 12 years; Death Benefit Option 3 up to 45 or 50 depending on plan and PPT.","display":"Minimum 0 years; maximum up to 65 years, with lower limits for Death Benefit Options 2 and 3","note":"From the sales brochure. The first set of maximum ages is for Lump Sum Option and the second set is for Lump Sum plus Income Option.","quote":"Minimum Entry Age (In Years) | 0 Years (Age Last Birthday)\nMaximum Entry Age (In Years) | Death Benefit Option 1: For All PPT-65 Death Benefit Option 2: PPT 5, 6 and 7 Years: 60 PPT 8, 10 and 12 Years: 65 Death Benefit Option 3: PPT 5 and 6 Years: 45 PPT 7, 8, 10 and 12 Years: 50 | Death Benefit Option 1: For all PPT-65 Death Benefit Option 2: PPT 5, 6 and 7 Years: 60 PPT 8, 10 and 12 Years: 65 Death Benefit Option 3: For All PPT: 50","sources":[{"clause":null,"heading":"Why Edelweiss Life – Premier Guaranteed STAR Pro?","page":3,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5468#c-why-edelweiss-life-premier-guaranteed-star-pro"}],"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":["Annually","Semi-Annually","Quarterly","Monthly"],"display":"Annually, Semi-Annually, Quarterly or Monthly","note":null,"quote":"Premium Paying Frequency | <<Annually / Semi-Annually / Quarterly / Monthly>>","sources":[{"clause":null,"heading":"Policy Details","page":4,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-policy-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":["Limited premium"],"display":"Limited premium payment: PPT 5, 6, 7, 8, 10 or 12 years","note":"Classified as limited premium because the printed premium paying terms are shorter than the printed policy term options.","quote":"Policy Term (in years) | << (15,20,25,30) | (Income Start Year + Income Duration -1) >> ... Premium Paying Term (PPT) (in years) | << 5 | 6 | 7 | 8 | 10 | 12>>","sources":[{"clause":null,"heading":"Policy Details","page":4,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-policy-details"}],"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":"quote-verified","value":"The Lump Sum option guarantees Sum Assured on Maturity plus accrued Guaranteed Additions on maturity, while the Lump Sum plus Income option guarantees Sum Assured on Maturity and an Income Benefit Pay-out calculated as Income Rate multiplied by Total Annualized Premium paid. Sum Assured on Death is also guaranteed to become payable on death according to the policy terms.","display":"Lump Sum: SAM plus accrued Guaranteed Additions; Lump Sum plus Income: SAM plus guaranteed Income Benefit Pay-out","note":"Actual Guaranteed Additions Rate, Income Rate, Sum Assured on Death and Sum Assured on Maturity are shown in the policy schedule.","quote":"Sum Assured on Death (SAD) | means an absolute amount of benefit which is guaranteed to become payable on death of the Life Insured in accordance with the terms and conditions of the Policy. ... Guaranteed Additions | means amount that will accrue every year, in arrears starting from the 2nd Policy Year till the end of the Policy Term, provided the Policy is in-force and atleast 2 full years’ Premiums are paid. The Guaranteed Addition will be calculated as Guaranteed Additions Rate multiplied by Total Annualized Premium paid. ... Income Benefit Pay-out: | means a level guaranteed income calculated as Income Rate multiplied by Total Annualized Premium paid and payable in arrears starting from the Income Start Year till Maturity Date or Death of the Life Assured, whichever is earlier, while the Policy is In-Force. ... Sum Assured on Maturity (SAM): | means an absolute amount of benefit, which is guaranteed to become payable at the end of the Policy Term that is on Maturity of the Policy in accordance with the terms and conditions of the Policy.","sources":[{"clause":null,"heading":"Maturity/Maturity","page":7,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-maturity-maturity"}],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"quote-verified","value":"The product is non-participating, so the policy document does not provide a participating bonus type.","display":"Non-Participating; no bonus type","note":null,"quote":"An Individual, Non-Linked, Non-Participating, Savings, Life Insurance Plan UIN: 147N115V02","sources":[{"clause":null,"heading":"POLICY DOCUMENT - Edelweiss Life – Premier Guaranteed STAR Pro","page":3,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-policy-document-edelweiss-life-premier-guarantee"}],"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":"The supplied clauses do not state benefit illustrations at the IRDAI 4% and 8% rates.","quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"quote-verified","value":"The Lump Sum option has no survival benefit. Under Lump Sum plus Income, Income Benefit Pay-out starts from the Income Start Year in the policy schedule, is paid in arrears based on the chosen frequency, and continues until death or maturity, whichever is earlier.","display":"Lump Sum: nil; Lump Sum plus Income: Income Benefit Pay-out from Income Start Year until death or maturity","note":null,"quote":"Applicable Policy Anniversary(ies) | Lump Sum Option | Not applicable | Nil\nLump Sum plus Income Option | On survival of the Life Insured, while the Policy is In- Force, Income Benefit Pay-out will commence from the Income Start Year mentioned in the Policy Schedule. Income Benefit Pay-outs will be payable in arrears based on the Income Benefit Pay-out Frequency chosen. The benefit will be continued till the date of death of the Life Insured or till the Date of Maturity, whichever is earlier. | Income Benefit Pay-out","sources":[{"clause":"2","heading":"Survival Benefit","page":12,"url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467#c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Edelweiss Life - Premier Guaranteed STAR Pro Sample Contract","pages":36,"fetched_at":"2026-10-17 19:32:17+00","source_url":"https://www.edelweisslife.in/documents/20121/5004058/Edelweiss+Life_PremierGuaranteedSTAR_Pro_SAMPLE_Policy.pdf/5c1f6e5f-99ab-a8e1-01c1-fb91e084d74c?version=1.0&t=1782364838224","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5467"},{"kind":"cis","label":"Edelweiss Life - Premier Guaranteed STAR Pro Customer Information Sheet","pages":12,"fetched_at":"2026-10-17 19:32:19+00","source_url":"https://www.edelweisslife.in/documents/20121/5004058/Edelweiss+Life_PremierGuaranteedSTAR_Pro_CIS_SAMPLE.pdf/09ed5b29-17fa-f08b-6cfe-ee0f6bb795b7?version=1.0&t=1782364836818","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5466"},{"kind":"cis","label":"Edelweiss Life - Premier Guaranteed STAR Pro KFD","pages":10,"fetched_at":"2026-10-17 19:33:11+00","source_url":"https://www.edelweisslife.in/documents/20121/5549355/PGS+Pro_KFD+Document.pdf/4756e1ac-323d-c765-0fe2-0feb79055dd5?version=1.0&t=1792152228407","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5663"},{"kind":"brochure","label":"Edelweiss Life - Premier Guaranteed STAR Pro Product Brochure","pages":19,"fetched_at":"2026-10-17 19:32:16+00","source_url":"https://www.edelweisslife.in/documents/20121/5002827/Premier+Guaranteed+STAR+Pro_ProductBrochure.pdf/574a068e-d463-8591-c49d-8affe3350c63?version=1.0&t=1786522054249","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5468"},{"kind":"brochure","label":"Edelweiss Life - Premier Guaranteed STAR PRO Brochure UIN:147N115V01","pages":19,"fetched_at":"2026-10-17 19:35:20+00","source_url":"https://www.edelweisslife.in/documents/20121/1391043/Edelweiss+Life_+Premier+Guaranteed+STAR+Pro_ProductBrochure+%281%29.pdf/20ec9f7f-189f-4c86-3e2a-0ef6c549e1b9?download=true","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/5624"},{"kind":"premium","label":"Edelweiss Life - Premier Guaranteed STAR Pro Rate Table","pages":null,"fetched_at":"2026-10-17 19:32:14+00","source_url":"https://www.edelweisslife.in/documents/20121/5219612/PGS+PRO+V02+SAMPLE+RATE+TABLE.pdf/eb86e2f0-a88b-8980-ba0c-66ba5a7fca1c?version=1.0&t=1790138222900","url":"https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02/document/19548"}],"versions":[{"uin":"147N115V01","version":null,"approved_on":null},{"uin":"147N115V02","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 - Premier Guaranteed STAR Pro (UIN 147N115V02), IndiaInsurances, https://indiainsurances.com/policy/edelweiss-life-insurance/edelweiss-life-premier-guaranteed-star-pro-147n115v02"}