{"uin":"512L361V01","name":"LIC's Protection Plus","url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01","insurer":{"slug":"lic","name":"Life Insurance Corporation of India","url":"https://indiainsurances.com/insurer/lic"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"LIC’s Protection Plus is a non-par, linked, life, individual savings plan where the investment risk in the investment portfolio is borne by the policyholder. It has a 5 year lock-in period, six fund options and a 30 day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:58:20.741789+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":"Policy term can be 10, 15, 20 or 25 years, depending on the premium paying term chosen.","display":"10, 15, 20 or 25 years","note":"From the sales brochure.","quote":"PPT (years) | Policy Term (years)\nPPT (years) | Policy Term (years)\n5 | 10, 15, 20, 25\n5 10, 15, 20, 25\n7 | 10, 15, 20, 25\n7 10, 15, 20, 25\n10 | 10, 15, 20, 25\n10 10, 15, 20, 25\n15 | 15, 20, 25\n15 15, 20, 25","sources":[{"clause":"2","heading":"Eligibility conditions and other restrictions","page":3,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-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":"The insured event resulting in a claim must be intimated to LIC at the earliest possible time.","display":"At the earliest possible time","note":null,"quote":"Policyholder or the Life Assured or the claimant, as applicable, is required to intimate the Corporation, about the happening of the insured event resulting into a claim under the insurance policy, at the earliest possible time. .","sources":[{"clause":"4(a)","heading":"Death Claim","page":26,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-4-a"}],"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":["Death claim: claim forms, original policy document, NEFT mandate, proof of title, proof of death, medical treatment prior to death, school/ college/ employer's certificate, and proof of age if age is not admitted","Unnatural death or accidental death: copies of First Information Report (FIR), Panchnama and Post Mortem report","Maturity / surrender claim: discharge form, original Policy Document, NEFT mandate and proof of age if age is not admitted earlier"],"display":"Death: claim forms, original policy document, NEFT mandate, proof of title, proof of death and other applicable proofs; accident/unnatural death: FIR, Panchnama and Post Mortem report; maturity/surrender: discharge form, original policy document, NEFT mandate and age proof if not admitted","note":"LIC may call for additional documents as required.","quote":"The normal documents which the claimant shall submit while lodging the claim in case of death of the Life Assured shall be claim forms, as prescribed by the Corporation, accompanied with original policy document, NEFT mandate from the claimant for direct credit of the claim amount to the bank account, proof of title, proof of death, medical treatment prior to the death, school/ college/ employer's certificate, whichever is applicable, to the satisfaction of the Corporation. If the age is not admitted under the policy, the proof of age of the Life Assured shall also be submitted. ... In case of unnatural death or death on account of or arising from an accident, the Corporation will call for the copies of First Information Report (FIR), Panchnama and Post Mortem report. ... the policy results into a maturity claim or in case of Surrender, the Life Assured shall submit the discharge form along with the original Policy Document, NEFT mandate from the claimant for direct credit of the claim amount to the bank account besides proof of age, if the age is not admitted earlier.","sources":[{"clause":"4(a)","heading":"Death Claim","page":26,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-4-a"},{"clause":"4(b)","heading":"Maturity /Surrender claim","page":26,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-4-b"}],"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":"The CIS says death claims not requiring investigation are settled in 15 Days, early death claims requiring investigations have decision and payment in 45 Days, and maturity claims are settled on the due date.","display":"Death claims: 15 Days if no investigation, 45 Days for early death claims requiring investigations; maturity claims: on due date","note":"From the CIS; the policy wording states claim documents and intimation but not these TATs.","quote":"1 | Death Claims | Death claims settlements not requiring Investigations | 15 Days\nEarly Death Claims requiring investigations - decision & payment | 45 Days ... 2 | Survival, Maturity, Annuity payments | Settlement of Maturity Claims | On due date","sources":[{"clause":"Row 1","heading":"Death Claims","page":5,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11902#c-row-1-2"},{"clause":"Row 2","heading":"Survival, Maturity, Annuity payments","page":5,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11902#c-row-2-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["death due to suicide within 12 months","any untrue or incorrect statement is contained in the proposal, personal statement, declaration and connected documents or any material information is withheld","no risk cover, including rider cover, if any, shall be available on such policy during this period","the risk cover and rider cover, if any, shall cease","no Accident Benefit cover shall be available under a reduced paid-up policy","There will not be any risk cover or guaranteed benefits during the settlement period"],"display":"Suicide within 12 months pays only Unit Fund Value; forfeiture for untrue/incorrect statements or withholding material information; no risk or rider cover during specified discontinued/surrendered states; no guaranteed benefits during settlement option period","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of Policy or from the Date of Revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the Unit Fund Value as available on the date of intimation of death along with death certificate. The Corporation will not entertain any other claim by virtue of this policy and the policy shall terminate. ... In case any Condition herein contained or endorsed hereon shall be contravened or in case it is found that any untrue or incorrect statement is contained in the proposal, personal statement, declaration and connected documents or any material information is withheld, then and in every such case the policy shall be void ... no risk cover, including rider cover, if any, shall be available on such policy during this period. ... the risk cover and rider cover, if any, shall cease. ... no Accident Benefit cover shall be available under a reduced paid-up policy. ... There will not be any risk cover or guaranteed benefits during the settlement period.","sources":[{"clause":"2","heading":"Suicide Exclusion","page":25,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-2-6"},{"clause":"2","heading":"Forfeiture in Certain Events","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-2-4"},{"clause":"3(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-3-i"},{"clause":"3(I)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-3-i-2"},{"clause":"3(II)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-3-ii-3"},{"clause":"12","heading":"Settlement Option","page":15,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-12-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First approach LIC’s Grievance Redressal Officers at Branch, Divisional, Zonal or Central Office, or register through LIC’s customer portal or email co_complaints@licindia.com. Claimants dissatisfied with death claim repudiation may seek review by the Zonal Office or Central Office Claims Dispute Redressal Committee before other routes.","display":"LIC GROs at Branch/Divisional/Zonal/Central Office; Customer Portal; co_complaints@licindia.com; death repudiation review by Zonal/Central Office Claims Dispute Redressal Committee","note":null,"quote":"The Corporation has Grievance Redressal Officers (GROs) at Branch/ Divisional/ Zonal/ Central Office to redress grievances of customers.The customers can visit our website (https://licindia.in/web/guest/grievances) for names and contact details of the GROs and other information related to grievances. ... a registered policy holder can directly register complaint/ grievance and track its status. Customers can also contact at e-mail id co_complaints@licindia.com for redressal of any grievances. ... Claimants not satisfied with the decision of death claim repudiation have the option of referring their cases for review to Zonal Office Claims Dispute Redressal Committee or Central Office Claims Dispute Redressal Committee.","sources":[{"clause":"Section 45","heading":"of the Insurance Act, 1938","page":27,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-section-45"}],"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":"Basic Sum Assured equals Annualized Premium multiplied by the Basic Sum Assured Multiple. The minimum Basic Sum Assured is 7 times annualized premium for age at entry less than 50 years and 5 times annualized premium for age at entry 50 years and above; the maximum Basic Sum Assured Multiple depends on premium, age and premium paying term, and can be up to 40 for annualized premium of Rs. 60,000 or more and up to 30 for annualized premium less than Rs. 60,000. Each Top-up Sum Assured equals 1.25 times the Top-up Premium paid.","display":"Basic Sum Assured = Annualized Premium × Basic Sum Assured Multiple; minimum 7× or 5× annualized premium by age; maximum multiple up to 40 or 30 by premium/age/PPT; Top-up Sum Assured = 1.25× Top-up Premium","note":"From the sales brochure. Maximum Basic Sum Assured allowed to each individual is subject to underwriting decision.","quote":"Basic Sum Assured shall be equal to Annualized Premium multiplied by Basic Sum Assured Multiple ... Each Top-up premium shall have Top-up Sum Assured equal to 1.25 times of the Top-up Premium paid. ... Age at entry less than 50 years (nearer birthday) | Age at entry 50 years and above (nearer birthday)\nAssured | than 50 years | and above\n(nearer birthday) | (nearer birthday)\n7 times the Annualized Premium | 5 times the Annualized Premium ... a) For Annualized Premium equal to or higher than ` 60,000 Maximum Basic Sum Assured Multiple Maximum Basic Sum Assured Multiple\nAge at entry (nearer birthday) | PPT (years)\nAge at entry | PPT (years)\n(nearer | 5 | 7 | 10 | 15\n5 | 7 | 10 | 15\nbirthday)\n18 to 30 years | 20 | 22 | 22 | 40 ... b) For Annualized Premium less than ` 60,000\n(b) For Annualized Premium less than ` 60,000 Maximum Basic Sum Assured Multiple Maximum Basic Sum Assured Multiple\nAge at entry (nearer | PPT- 15 years\nAge at entry (nearer birthday) | PPT- 15 years\nbirthday)\n18 to 30 years | 30","sources":[{"clause":null,"heading":"THE UNIT LINKED INSURANCE PRODUCTS DO NOT","page":2,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-the-unit-linked-insurance-products-do-not"},{"clause":"2","heading":"Eligibility conditions and other restrictions","page":3,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-2"},{"clause":"2(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-2-a"},{"clause":"2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-2-b"}],"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":"For an in-force policy, death benefit before maturity is the highest of Basic Sum Assured reduced by recent partial withdrawals, Base Premium Fund Value, or 105% of total base premiums paid up to death. If top-up premiums have been paid, the highest of Total Top-up Sum Assured, Top-up Premium Fund Value, or 105% of total top-up premiums paid is also payable, and it may be paid in lump sum or instalments if settlement option is opted.","display":"Highest of Basic Sum Assured less specified partial withdrawals, Base Premium Fund Value, or 105% of total base premiums paid; plus top-up highest of Total Top-up Sum Assured, Top-up Premium Fund Value, or 105% of top-up premiums, if applicable","note":null,"quote":"Benefits payable on death of the Life Assured before the stipulated Date of Maturity, provided the policy is in-force (including during Grace Period) shall be as under:\nHighest of:\n• Basic Sum Assured reduced by Partial Withdrawals, if any, made during the two years period immediately preceding the date of death; or\n• Base Premium Fund Value; or\n• 105% of the Total Base Premiums paid upto the date of death.\nIn addition to the above, if Top-up Premium(s) have been paid under the policy, the highest of the following shall also be payable:\n• Total Top-up Sum Assured; or\n• Top-up Premium Fund Value; or\n• 105% of the Total Top-up Premiums paid upto the date of death. ... The death benefit shall be payable either in lump sum amount as specified above or in instalments if Settlement Option is opted for as mentioned in Condition 12 of Part D of this Policy Document.","sources":[{"clause":"1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-1-3"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival to the stipulated date of maturity, the Unit Fund Value as on the date of maturity is payable. If all due premiums have been paid, total mortality charges deducted from the Base Premium Fund and Top-up Premium Fund, excluding extra underwriting charge and tax on mortality charge, are also payable with maturity benefit.","display":"Unit Fund Value as on date of maturity, plus refund of mortality charges if all due premiums have been paid","note":"Refund of Mortality Charge is not payable in case of surrendered or discontinued policy.","quote":"On the Life Assured surviving the stipulated Date of Maturity, an amount equal to the Unit Fund Value as on date of maturity shall be payable. ... On Life Assured surviving the stipulated Date of Maturity, provided all due premiums under the policy have been paid, an amount equal to the total amount of mortality charges deducted from the Base premium Fund and Top-up Premium Fund, if any, shall be payable along with the Maturity Benefit. The total amount of mortality charges shall not include any extra amount chargeable under the policy due to underwriting decision and tax charges levied on the mortality charges, if any.","sources":[{"clause":"1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-1-3"}],"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, 7, 10 and 15 years, with available policy term combinations shown in the brochure.","display":"5, 7, 10 or 15 years","note":"From the sales brochure.","quote":"PPT (years) | Policy Term (years)\nPPT (years) | Policy Term (years)\n5 | 10, 15, 20, 25\n5 10, 15, 20, 25\n7 | 10, 15, 20, 25\n7 10, 15, 20, 25\n10 | 10, 15, 20, 25\n10 10, 15, 20, 25\n15 | 15, 20, 25\n15 15, 20, 25","sources":[{"clause":"2","heading":"Eligibility conditions and other restrictions","page":3,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-2"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum age at maturity is 75 years for policy term 10 years, 80 years for 15 years, 85 years for 20 years and 90 years for 25 years.","display":"75, 80, 85 or 90 years by policy term","note":"From the sales brochure.","quote":"vi. Maximum | Policy Term (years) Maximum Age at Maturity\nMaturity | (nearer birthday)\nAge 10 | 75 years\n10 | 75 years\n15 | 80 years\n15 80 years\n20 | 85 years\n20 85 years\n25 | 90 years\n25 90 years","sources":[{"clause":"2","heading":"Eligibility conditions and other restrictions","page":3,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-2"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from the Date of Commencement of Policy or from the Date of Revival, the nominee or beneficiary gets the Unit Fund Value available on the date of intimation of death along with death certificate, with specified charges added back, and no other claim is entertained.","display":"Suicide within 12 months: Unit Fund Value as on intimation of death with death certificate; no other claim","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of Policy or from the Date of Revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the Unit Fund Value as available on the date of intimation of death along with death certificate. The Corporation will not entertain any other claim by virtue of this policy and the policy shall terminate.\nAny charges and tax levied thereon other than Fund Management Charges (FMC) and Tax charges levied on FMC recovered subsequent to the date of death shall be added back to the Unit Fund Value as available on the date of intimation of death.","sources":[{"clause":"2","heading":"Suicide Exclusion","page":25,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-2-6"}],"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 can be surrendered anytime during the policy term. If surrendered during the 5 years’ lock-in period, Base Premium Fund Value after applicable discontinuance charge plus Top-up Premium Fund Value is transferred to the Discontinued Policy Fund and proceeds are payable at the end of the 5 years’ lock-in period; after 5 years, the Unit Fund Value as on intimation of surrender is payable and there is no discontinuance charge.","display":"Surrender anytime; during 5 years lock-in, proceeds paid at end of lock-in; after 5 years, Unit Fund Value on surrender intimation with no Discontinuance Charge","note":null,"quote":"A policy can be surrendered anytime during the policy term. The surrender value, if any, shall be payable as under: ... If a Policyholder applies for surrender of the policy during the 5 years’ Lock-in-Period, then the Base Premium Fund Value after deducting the applicable Discontinuance Charge in respect of Base Premium as specified in Condition 7.(g) of Part E of this Policy Document along with the Top-up Premium Fund Value, if any, shall be transferred to the Discontinued Policy Fund ... The Proceeds of the Discontinued Policy Fund in respect of Policy as on the date of expiry of lock-in period, as specified in Condition 3.D of Part D below shall be payable to the Policyholder at the end of 5 years’ lock-in-period and the policy shall terminate. ... If a Policyholder applies for surrender of the policy after 5 years’ Lock-in-period, then the Unit Fund Value as on the date of intimation of surrender shall be payable to the Policyholder and the policy shall terminate. There will be no Discontinuance Charge under the policy.","sources":[{"clause":"3","heading":"Non – Forfeiture regulations","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-3-4"},{"clause":"3(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-3-i"},{"clause":"3(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-3-ii"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If premiums are discontinued after the 5 years’ lock-in period, the policy becomes reduced paid-up after the grace period. The Paid-Up Sum Assured equals Basic Sum Assured multiplied by the ratio of the total period for which premiums have already been paid to the maximum period for which premiums were originally payable; there is no rider cover under reduced paid-up status.","display":"After 5 years lock-in, non-payment converts to reduced paid-up; Paid-Up Sum Assured = Basic Sum Assured × paid premium period / original premium paying period","note":"If discontinued during the 5 years’ lock-in period, the fund is transferred to the Discontinued Policy Fund and risk cover ceases instead of becoming reduced paid-up.","quote":"Upon expiry of the grace period, in case of discontinuance of policy due to non payment of Base Premium, the policy shall be converted into a reduced paid-up policy. The Basic Sum Assured under the policy shall be reduced to such a sum called Paid-Up Sum Assured and shall be equal to Basic Sum Assured multiplied by the ratio of ‘total period for which premiums have already been paid’ to the ‘maximum period for which premiums were originally payable. The policy shall continue to be in reduced paid-up status without rider cover, if any, i.e. no Accident Benefit cover shall be available under a reduced paid-up policy.","sources":[{"clause":"3(II)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-3-ii-3"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The revival period is three consecutive complete years from the date of first unpaid premium or up to maturity, whichever is earlier. Revival requires payment of all due and unpaid premium without interest and is subject to LIC’s underwriting and continued insurability requirements.","display":"3 years from first unpaid premium, or up to maturity if earlier","note":null,"quote":"Revival Period is the period of three consecutive complete years from the date of first unpaid premium or up to date of Maturity, whichever is earlier. ... In case the Policyholder opts to revive the policy during the Revival Period or up to the date of Maturity, whichever is earlier, the policy shall be revived subject to the following:\ni. On payment of all due and unpaid premium without interest. ... The Corporation reserves the right to accept at original terms, accept with modified terms or decline the revival of a discontinued policy as per the “Board Approved Underwriting Policy” of the Corporation. The Revival shall be subject to satisfaction of Continued Insurability of the Life Assured","sources":[{"clause":"61","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-61"},{"clause":"5(iv)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-5-iv"}],"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":"No loan facility is available under this policy.","display":"No loan facility","note":null,"quote":"No loan facility is available under this policy.","sources":[{"clause":"9","heading":"Policy Loan","page":15,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-9-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["LIC’s Linked Accidental Death Benefit Rider (UIN: 512A211V02)"],"display":"LIC’s Linked Accidental Death Benefit Rider (UIN: 512A211V02)","note":"Optional rider; its conditions are enclosed as an endorsement if opted.","quote":"Under an in-force policy, the LIC’s Linked Accidental Death Benefit Rider (UIN: 512A211V02) (or amended version of this rider) can be opted for by the eligible Life Assured, at any policy anniversary provided the outstanding Policy Term is at least 5 years but on or before the policy anniversary on which the age nearer birthday of the Life Assured is 65 years.","sources":[{"clause":"3","heading":"Rider Benefits","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-3-3"}],"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 three years from the date of the policy, commencement of risk, revival or rider, whichever is later. Within three years it may be questioned for fraud or material misstatement/suppression, with written communication of grounds and materials; for non-fraud repudiation, premiums collected till repudiation are to be paid within ninety days.","display":"Cannot be questioned after three years; within three years only on fraud or material misstatement/suppression as specified","note":null,"quote":"(1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e. from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. (2) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later on the ground of fraud: ... (4) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made ... Provided further that in case of repudiation of the policy on the ground of misstatement or suppression of a material fact, and not on the ground of fraud the premiums collected on the policy till the date of repudiation shall be paid to the insured or the legal representatives or nominees or assignees of the insured within a period of ninety days from the date of such repudiation.","sources":[{"clause":"Section 45","heading":"as per the Insurance Act 1938","page":33,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-section-45-2"},{"clause":"Section 45(d)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-section-45-d"}],"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 brochure says to consult a tax advisor for income tax benefits or implications on premiums paid and benefits payable under the plan.","display":"Consult your tax advisor for Income tax benefits/implications","note":"From the sales brochure.","quote":"Regarding Income tax benefits/implications on premium(s) paid and benefits payable under this plan, please consult your tax advisor for details.","sources":[{"clause":"20","heading":"Taxes","page":30,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-20"}],"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":"During the Free Look period of 30 days from the date of receipt of the electronic or physical mode of the Policy Document by the Policyholder, whichever is earlier, if the Policyholder is not satisfied with the Terms & Conditions of the policy, he/she may return the policy to the Corporation stating the reason of objections.","sources":[{"clause":"10","heading":"Free Look period","page":15,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-10-2"}],"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 for yearly, half-yearly or quarterly premiums; 15 days for monthly (through NACH)","note":"Monthly (through NACH) mode has a 15 day grace period.","quote":"A grace period of 30 days will be allowed for payment of yearly or half-yearly or quarterly premiums and 15 days for monthly (through NACH) premiums from the date of First Unpaid Premium.","sources":[{"clause":"5","heading":"Grace period","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-5-3"}],"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 age at entry is 18 years completed. Maximum age at entry is 50 years for premium paying term 5 years, and 65 years for premium paying terms 7, 10 and 15 years.","display":"18 years completed to 50 years or 65 years, depending on PPT","note":"From the sales brochure.","quote":"iv. | Minimum Age at entry | 18 years (Completed) ... Premium Paying Term | Maximum Age at entry (nearer birthday)\nPremium Paying | Maximum Age at entry\nTerm (nearer birthday)\n5 years | 50 years\n5 years | 50 years\n7, 10 & 15 years | 65 Years\n7, 10 & 15 years | 65 Years","sources":[{"clause":"2","heading":"Eligibility conditions and other restrictions","page":3,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Yearly","Half-Yearly","Quarterly","Monthly (through NACH only)"],"display":"Yearly, Half-Yearly, Quarterly or Monthly (through NACH only)","note":"From the sales brochure.","quote":"The policyholder may choose mode of premium payment as Yearly, Half-Yearly, Quarterly or Monthly (through NACH\nonly) for premium payment over the term of the policy.","sources":[{"clause":"5","heading":"Payment of premiums","page":11,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-5"}],"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":["Regular Pay","Limited Pay"],"display":"Regular Pay or Limited Pay","note":"From the sales brochure.","quote":"The policyholder shall have option to pay Base Premium as Regular Pay or Limited Pay.","sources":[{"clause":null,"heading":"THE UNIT LINKED INSURANCE PRODUCTS DO NOT","page":2,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961#c-the-unit-linked-insurance-products-do-not"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"five consecutive completed years","note":null,"quote":"Lock-in-period means the period of five consecutive completed years from the Date of Commencement of the Policy, during which period the proceeds of the policies cannot be paid, except in case of death of the Life Assured.","sources":[{"clause":"35","heading":"Lock-in-period","page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-35"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Bond Fund - Low risk","Secured Fund - Lower to Mediu m risk","Balanced Fund - Mediu m risk","Growth Fund - High risk","Flexi Growth Fund - Very High Risk","Flexi Smart Growth Fund - Very High Risk"],"display":"Bond Fund, Secured Fund, Balanced Fund, Growth Fund, Flexi Growth Fund and Flexi Smart Growth Fund","note":null,"quote":"Bond Fund | Not less than 60% | Not more than 40% | Nil | To provide relatively safe and less volatile investment option mainly through accumulation of income through investment in fixed income securities. | Low risk ... Secured Fund | Not less than 45% & Not more than 85% | Not more than 40% | Not less than 15% & Not more than 55% | To provide steady income through investment in both equities and fixed income securities. | Lower to Mediu m risk ... Balanced Fund | Not less than 30% & Not more than 70% | Not more than 40% | Not less than 30% & Not more than 70% | To provide balanced income and growth through similar proportion investment in both equities and fixed income securities | Mediu m risk ... Growth Fund | Not less than 20% & Not more than 60% | Not more than 40% | Not less than 40% & Not more than 80% | To provide long term capital growth through investment primarily in equities | High risk ... Flexi Growth Fund | 0% to 20% | 0% to 40% | 40% to 100% | To provide long term capital appreciation through investment primarily in select stocks which are a part of NSE NIFTY100 Index. | Very High Risk ... Flexi Smart Growth Fund | 0% to 20% | 0% to 40% | 40% to 100% | To provide long term capital appreciation through investment primarily in select stocks which are a part of NSE NIFTY50 Index. | Very High Risk","sources":[{"clause":"1","heading":"Fund Unit Allocation and Investment of Fund","page":18,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-1-5"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Premium allocation charge is 8.00% for offline and 3.00% for online in the first year; 5.50% offline and 2.00% online in the 2nd to 5th years; and 3.00% offline and 1.00% online thereafter. Top-up premium allocation charge is 2.50% for offline sale and 1.50% for online sale.","display":"First year 8.00% offline / 3.00% online; 2nd to 5th year 5.50% / 2.00%; thereafter 3.00% / 1.00%; top-up 2.50% offline / 1.50% online","note":null,"quote":"The allocation charges as percentage of Instalment Premium are as below:\nPolicy year | Offline sale | Online sale\nFirst Year: | 8.00% | 3.00%\n2nd to 5th Year: | 5.50% | 2.00%\nThereafter: | 3.00% | 1.00%\nPremium Allocation charge on top-up premiums shall be as under:\n• Policies completed through Offline Sale: 2.50%\n• Policies completed through Online Sale: 1.50%","sources":[{"clause":"7(a)","heading":"Premium Allocation Charge","page":21,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-7-a"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Policy administration charge is nil for the first 5 years. From year 6 it is Rs. 85 per month if annualized premium is less than Rs. 60,000 and Rs. 100 per month if annualized premium is equal to greater than Rs. 60,000; from year 7 onwards the year 6 charge escalates at 5% p.a., capped at Rs. 500 per month.","display":"First 5 Years NIL; Year 6 Rs. 85 or Rs. 100 per month by premium; thereafter 5% p.a. escalation, capped at Rs. 500 per month","note":null,"quote":"Policy Administration Charge: This Charge shall be levied at the beginning of each policy month starting from 6th policy year till the end of policy term as mentioned below by cancelling units for equivalent amount.\nPolicy Year | Policy Administration Charges\nFirst 5 Years | NIL\nYear 6 | • Annualized Premium less than Rs. 60,000: Rs. 85 per month • Annualized Premium equal to greater than Rs. 60,000: Rs. 100 per month\nThereafter from 7th year onwards | Applicable Policy Administration Charges in 6th year\nescalating at the rate of 5% p.a.\nThese charges are capped to a maximum of Rs. 500 per month.","sources":[{"clause":"7(e)","heading":"Policy Administration Charge","page":23,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-7-e"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund Management Charge is 1.35% p.a. of Base Premium Fund or Top-up Premium Fund for all six in-force fund types, and 0.50% p.a. of Unit Fund for the Discontinued Policy Fund. It is levied while computing NAV daily and the declared NAV is net of FMC.","display":"1.35% p.a. for all 6 in-force fund types; 0.50% p.a. for Discontinued Policy Fund","note":null,"quote":"Fund Management Charge (FMC) shall be as under:\n• 1.35% p.a. of Base Premium Fund/Top-up Premium Fund for all 6 fund types available under an in-force policy i.e. Bond Fund, Secured Fund, Balanced Fund, Growth Fund, Flexi Growth Fund and Flexi Smart Growth Fund.\n• 0.50% p.a. of Unit Fund for “Discontinued Policy Fund”\nThis is a charge levied at the time of computation of NAV, which will be done on daily basis. The NAV thus declared will be net of FMC.","sources":[{"clause":"7(d)","heading":"Fund Management Charge","page":23,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-7-d"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charge is the age-specific cost of life insurance cover, taken at the beginning of each policy month by cancelling units from the Unit Fund Value. The monthly charge is one twelfth of the annual mortality charge and depends on Sum at Risk; the table ranges from 1.09 at age 18 to 185.80 at age 89 per Rs 1000 Sum at Risk.","display":"Age-specific monthly charge, one twelfth of annual charge per Rs 1000 Sum at Risk; table from age 18: 1.09 to age 89: 185.80","note":null,"quote":"Mortality Charge is the cost of Life Insurance cover which is age specific and this will be taken at the beginning of each policy month by canceling appropriate number of units out of the Unit Fund Value. The monthly charge will be one twelfth of the annual Mortality Charges given in the Table below. This charge shall depend upon the Sum at Risk. ... Annual Mortality Charge per Rs 1000/- Sum at Risk ... 18 | 1.09 ... 89 | 185.80","sources":[{"clause":"7(b)","heading":"Mortality Charge","page":21,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-7-b"},{"clause":null,"heading":"Annual Mortality Charge per Rs 1000/- Sum at Risk","page":23,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-annual-mortality-charge-per-rs-1000-sum-at-risk"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"Discontinuance charge is deducted from the Base Premium Fund on the date of discontinuance. For annualized premium up to Rs 50,000, years 1 to 4 charge is the lower of 20%, 15%, 10% or 5% multiplied by AP or FV, capped at Rs. 3000, Rs. 2000, Rs. 1500 or Rs. 1000 respectively; for annualized premium above Rs 50,000, the corresponding percentages are 6%, 4%, 3% and 2%, capped at Rs. 6000, Rs. 5000, Rs. 4000 and Rs. 2000 respectively. From year 5 onwards it is NIL.","display":"Years 1-4: capped percentage charge by annualized premium band; 5 and onwards NIL","note":"AP means Annualized Premium and FV means Base Premium Fund Value on the Date of Discontinuance of Policy.","quote":"This charge will be levied by cancelling appropriate number of units from the Base Premium Fund as on the date of discontinuance of Policy. The Discontinuance charge applicable is as under:\nWhere the policy is discontinued during the policy year | Discontinuance Charges for the Policies having Annualized Premium up to Rs 50,000 | Discontinuance Charges for the Policies having Annualized Premium above Rs 50,000 ... 1 | Lower of 20% multiplied by (AP or FV) subject to maximum of Rs. 3000/- | Lower of 6% multiplied by (AP or FV) subject to maximum of Rs. 6000/- ... 2 | Lower of 15% multiplied by (AP or FV) subject to maximum of Rs. 2000/- | Lower of 4% multiplied by (AP or FV) subject to maximum of Rs. 5000/- ... 3 | Lower of 10% multiplied by (AP or FV) subject to maximum of Rs. 1500/- | Lower of 3% multiplied by (AP or FV) subject to maximum of Rs. 4000/- ... 4 | Lower of 5% multiplied by (AP or FV) subject to maximum of Rs. 1000/- | Lower of 2% multiplied by (AP or FV) subject to maximum of Rs. 2000/-\n5 and onwards | NIL | NIL","sources":[{"clause":"7(g)","heading":"Discontinuance Charge","page":24,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-7-g"},{"clause":"Row 1","heading":"Lower of 20% multiplied by (AP or FV) subject to maximum of Rs. 3000/-","page":24,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-row-1"},{"clause":"Row 2","heading":"Lower of 15% multiplied by (AP or FV) subject to maximum of Rs. 2000/-","page":24,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-row-2"},{"clause":"Row 3","heading":"Lower of 10% multiplied by (AP or FV) subject to maximum of Rs. 1500/-","page":24,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-row-3"},{"clause":"Row 4","heading":"Lower of 5% multiplied by (AP or FV) subject to maximum of Rs. 1000/-","page":24,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-row-4"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"During a policy year, 4 switches are free; later switches cost Rs.100 per switch. Partial withdrawals are allowed after the 5 years’ lock-in period, can be fixed amount or fixed number of units, are not allowed if the payable amount is less than Rs. 1000, and are limited by policy year percentages of Unit Fund: 15% in years 6 to 10, 20% in years 11 to 15, 25% in years 16 to 20 and 30% in years 21 to 25; the partial withdrawal charge is Rs. 100.","display":"4 free switches per policy year, then Rs.100 per switch; partial withdrawals after 5 years, minimum Rs. 1000, limits 15%/20%/25%/30% by policy year, Rs. 100 charge","note":"Top-up premiums have their own 5 year lock-in before partial withdrawal except on complete withdrawal.","quote":"During a given policy year, 4 switches will be allowed free of charge. Subsequent switches shall be subject to a switching charge of Rs.100 per switch ... Policyholder has an option to partially withdraw from the Unit Fund at any time after the 5 years’ lock-in period (i.e a period of 5 years from the date of commencement of policy), subject to the following: ... Partial withdrawals may be in the form of fixed amount or in the form of fixed number of units. ... No partial withdrawal shall be allowed if the amount payable on such Partial Withdrawal is less than Rs. 1000/-. ... Maximum amount of Partial Withdrawal as a percentage of fund during each policy year shall be as under:\nPolicy Year | Percent of Unit Fund\n6th to 10th | 15%\n11th to 15th | 20%\n16th to 20th | 25%\n21st to 25th | 30% ... Partial Withdrawal Charge: This is a charge levied on the Base Premium Fund at the time of each partial withdrawal of the fund and shall be a flat amount of Rs. 100/-","sources":[{"clause":"11","heading":"Option to switch between the funds","page":15,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-11-2"},{"clause":"13","heading":"Partial Withdrawals","page":16,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-13-2"},{"clause":"13(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-13-i"},{"clause":"13(v)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-13-v"},{"clause":"13(vi)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-13-vi"},{"clause":"7(g)","heading":"Discontinuance Charge","page":24,"url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906#c-7-g-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document","pages":34,"fetched_at":"2026-10-17 19:59:00+00","source_url":"https://licindia.in/documents/20121/1385382/Policy+Document_LIC%27s++Protection+Plus+01122025_CC.pdf/6118f65c-f5c0-631a-65e2-0e41da67165e?t=1764741636221","url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11906"},{"kind":"cis","label":"CIS LIC's Protection Plus","pages":8,"fetched_at":"2026-10-17 19:58:53+00","source_url":"https://licindia.in/documents/20121/1325029/CIS_LIC%27s+Protection+Plus_10122025_CC.pdf/6f539c9a-a449-e8a0-7121-9b2d49dc41e5?t=1765472045137","url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11902"},{"kind":"brochure","label":"Sales Brochure","pages":40,"fetched_at":"2026-10-17 20:00:04+00","source_url":"https://licindia.in/documents/20121/1319704/LIC+Protection+plus+Sales+brochure+English_05122025.pdf/f69f076b-87fe-7362-54cc-1cebc7fd2511?t=1764919517315","url":"https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01/document/11961"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"LIC official website","url":"https://www.licindia.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims settlement requirements","url":"https://licindia.in/web/guest/claims-settlement-requirements","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://licindia.in/web/guest/grievances","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":"LIC's Protection Plus (UIN 512L361V01), IndiaInsurances, https://indiainsurances.com/policy/lic/lic-s-protection-plus-512l361v01"}