{"uin":"512N341V01","name":"LIC's Saral Jeevan Bima","url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01","insurer":{"slug":"lic","name":"Life Insurance Corporation of India","url":"https://indiainsurances.com/insurer/lic"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":"Product","kind":"product","status":"active","approved_on":"2021-03-17","withdrawn_on":null,"summary":"LIC's Saral Jeevan Bima is a non-linked, non-par pure risk term plan that pays a lump sum on death, with a Basic Sum Assured of Rs. 5,00,000 to Rs. 25,00,000, entry ages 18 to 65 and no maturity benefit. For the first 45 days only accidental death is covered in full, and there is no surrender value or policy loan.","analysis":{"state":"extracted","analysed_at":"2026-10-16 07:11:52.160721+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"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":"The documents name no separate plans. Single, Regular and Limited Premium are premium payment options, not plans.","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":"cross-checked","value":"5 to 40 years for single, regular and limited premium policies.","display":"5 to 40 years","note":"From the sales brochure (document 3); the older brochure copy filed as the CIS (document 2) prints the same. The maximum maturity age of 70 limits the term at older entry ages.","quote":"f) Policy Term:\nSingle/Regular/Limited Premium : [5 to 40] years ... e) Maximum Maturity Age | : 70 years (Last Birthday)","sources":[{"clause":"2(b)","heading":"Maximum Basic Sum Assured","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/110#c-2-b"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Death must be intimated in writing with the death certificate within 90 days from the date of death; delay may be condoned on merit.","display":"Within 90 days of death","note":null,"quote":"Within 90 days from the date of death, intimation of death along with death certificate must be notified in writing to the office of the Corporation where the policy is serviced. However, delay in intimation of the genuine claim by the claimant, may be condoned by the Corporation, on merit, and where delay is proved to be for the reasons beyond his/her control.","sources":[{"clause":"6(a)","heading":"Death Claim","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-6-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":"cross-checked","value":["claim forms, as prescribed by the Corporation","original policy document","NEFT mandate from the claimant","proof of title","proof of death","medical treatment prior to the death (if any)","school/ college/ employer's certificate, whichever is applicable","proof of age of the Life assured if age is not admitted","First Information Report (FIR), Panchnama and Post Mortem report in case of unnatural or accidental death"],"display":"Claim forms, original policy, NEFT mandate, proof of title, proof of death, and more","note":"The Corporation may also call for additional documents.","quote":"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 (if any), 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 may call for the copies of First Information Report (FIR), Panchnama and Post Mortem report. ... The Corporation may also call for additional documents as may be required by them.","sources":[{"clause":"6(a)","heading":"Death Claim","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-6-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"No claim settlement timeline is printed. The only refund timeline (15 days) is for free look cancellation.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Death other than due to accident during the waiting period of 45 days from the date of commencement of risk: only 100% of all premiums received are paid, not the Basic Sum Assured","Suicide within 12 months from the date of commencement of risk or from the date of revival: only 80% of the premiums paid (90% of the Single Premium for single premium policies)"],"display":"Non-accidental death in the first 45 days (premiums refunded); suicide within 12 months (80% of premiums, or 90% of single premium)","note":"These are the only exclusions printed. The waiting period does not apply on revival. Separately, the policy is void if the proposal contains untrue statements or material information is withheld, subject to Section 45.","quote":"This Policy will cover death due to accident only during the waiting period of 45 days from the date of commencement of risk. In case of death of the life assured other than due to accident during the waiting period, an amount equal to 100% of all premiums received excluding taxes, if any, shall be paid and the Basic Sum Assured shall not be paid. ... This policy shall be void if the Life Assured commits suicide at any time within 12 months from the date of commencement of risk, provided the policy is inforce or within 12 months from the date of revival and the Corporation will not entertain any claim except for 80% of the premiums paid ... the Corporation will not entertain any claim except 90 % of the Single Premium paid ... In case of revival of Policy, the Waiting period shall not be applicable. ... 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 this policy shall be void","sources":[{"clause":"Part A","heading":null,"page":1,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-part-a"},{"clause":"4(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-4-a-2"},{"clause":"4(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-4-b-2"},{"clause":"51","heading":"Waiting Period","page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-51"},{"clause":"3(b)","heading":"Forfeiture in Certain Other Events","page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-3-b"}],"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":"cross-checked","value":"Complain first to the Grievance Redressal Officers at the Branch, Divisional, Zonal or Central Office, through the online complaint system or at co_complaints@licindia.com; death claim repudiations can go to the Zonal or Central Office Claims Dispute Redressal Committee. If there is no reply within 15 days, approach IRDAI's grievance department.","display":"LIC Grievance Redressal Officers (Branch to Central Office), then IRDAI after 15 days","note":"IRDAI toll free 155255 / 18004254732, complaints@irdai.gov.in, bimabharosa.irdai.gov.in. Claims can also go to the Insurance Ombudsman.","quote":"The Corporation has Grievance Redressal Officers (GROs) at Branch/ Divisional/ Zonal/ Central Office to ... Integrated Complaint Management System through our Customer Portal (website) http://www.licindia.in, where 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. ... In case the policyholder is not satisfied with the response or does not receive a response from the Corporation within 15 days, then the customer may approach the Policyholder’s Protection and Grievance Redressal Department ... Calling Toll Free Number 155255 / 18004254732 ... Sending an email to complaints@irdai.gov.in Register the complaint online at https://bimabharosa.irdai.gov.in/ ... For redressal of Claims related grievances, claimants can also approach Insurance Ombudsman","sources":[{"clause":"1","heading":"Grievance Redressal Mechanism","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-1-6"}],"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":"cross-checked","value":"Basic Sum Assured from Rs. 5,00,000 to Rs. 25,00,000 per life, in multiples of Rs. 50,000.","display":"Rs. 5,00,000 to Rs. 25,00,000","note":"From the sales brochure (document 3); the older brochure copy filed as the CIS (document 2) prints the same. Sum Assured on Death is the highest of 10 times the annualized premium, 105% of premiums paid or the Basic Sum Assured (single premium: higher of 125% of the single premium or the Basic Sum Assured).","quote":"a) Minimum Basic Sum Assured : Rs. 5,00,000 ... b) Maximum Basic Sum Assured : Rs. 25,00,000 per life basis (The Basic Sum Assured shall be in multiples of Rs. 50,000/-) ... “Sum Assured on Death” which is the highest of:\na) 10 times of annualized premium; or\nb) 105% of all the premiums paid as on the date of death; or\nc) Absolute amount assured to be paid on death. (2) For Single premium policy, “Sum Assured on Death” which is the higher of:\na) 125% of Single Premium or\nb) Absolute amount assured to be paid on death. ... Absolute amount assured to be paid on death shall be an amount equal to Basic Sum Assured.","sources":[{"clause":"2(a)","heading":"Minimum Basic Sum Assured","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/110#c-2-a"},{"clause":"2(b)","heading":"Maximum Basic Sum Assured","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/110#c-2-b"},{"clause":"1(a)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-1-a-i"}],"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":"cross-checked","value":"Lump sum Sum Assured on Death: for regular or limited premium, the highest of 10 times the annualized premium, 105% of all premiums paid, or the Basic Sum Assured; for single premium, the higher of 125% of the single premium or the Basic Sum Assured. During the first 45 days only accidental death gets this; other deaths get 100% of premiums paid.","display":"Highest of 10 x annualized premium, 105% of premiums paid or Basic Sum Assured","note":"Waiting period is 45 days from the date of commencement of risk; it does not apply on revival. For non-yearly modes, premiums falling due before the next policy anniversary are deducted from the claim.","quote":"i) On death of the Life Assured during the Waiting Period and provided the Policy is in force, the Death Benefit amount payable as a lump sum is: (1) In case of Accidental Death, for regular premium or limited premium payment policy, equal to Sum Assured on Death ... (3) In case of death due to other than accident, the Death Benefit is equal to 100% of all Premiums paid excluding taxes, if any. ... ii) On death of the Life Assured after the expiry of Waiting Period but before the stipulated Date of Maturity and provided the Policy is in force, the Death Benefit amount payable as a lump sum is: (1) For Regular premium or Limited premium payment policy, “Sum Assured on Death” which is the highest of:\na) 10 times of annualized premium; or\nb) 105% of all the premiums paid as on the date of death; or\nc) Absolute amount assured to be paid on death. (2) For Single premium policy, “Sum Assured on Death” which is the higher of:\na) 125% of Single Premium or\nb) Absolute amount assured to be paid on death. ... Absolute amount assured to be paid on death shall be an amount equal to Basic Sum Assured. ... Waiting Period means a period of 45 (forty five) days from the Date of Commencement of Risk. In case of revival of Policy, the Waiting period shall not be applicable. ... where the mode of payment of premium is other than yearly, balance premium(s), if any, falling due from the date of death and before the next policy anniversary shall be deducted from the claim amount.","sources":[{"clause":"1(a)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-1-a-i"},{"clause":"51","heading":"Waiting Period","page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-51"},{"clause":"2(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-2-b"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"cross-checked","value":"No maturity benefit is payable.","display":"None","note":null,"quote":"No Maturity Benefit shall be payable on the Life Assured surviving the stipulated Date of Maturity.","sources":[{"clause":"1(a)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-1-a-i"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"cross-checked","value":"Regular premium: same as policy term. Limited premium: 5 or 10 years. Single premium: paid in a lump sum.","display":"Same as policy term (regular), 5 or 10 years (limited), or single","note":"The 5 or 10 year limited terms are in the policy wording (Condition 6(c)(ii) of Part D); the regular and single premium terms are from the sales brochure (document 3; the older brochure copy filed as the CIS, document 2, prints the same).","quote":"ii) Limited Premium Payment Term: 5 years or 10 years: ... g) Premium Paying Term :\nRegular Premium | : Same as policy term\nLimited Premium | : 5 and 10 years\nSingle Premium | : Premium is payable in\nlumpsum","sources":[{"clause":"6(c)(ii)","heading":"Limited Premium Payment Term","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-6-c-ii"},{"clause":"2(b)","heading":"Maximum Basic Sum Assured","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/110#c-2-b"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"cross-checked","value":"70 years (last birthday).","display":"70 years","note":"From the sales brochure (document 3); the older brochure copy filed as the CIS (document 2) prints the same.","quote":"e) Maximum Maturity Age | : 70 years (Last Birthday)","sources":[{"clause":"2(b)","heading":"Maximum Basic Sum Assured","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/110#c-2-b"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"cross-checked","value":"Suicide within 12 months from commencement of risk or revival: 80% of premiums paid for regular or limited premium policies; 90% of the single premium for single premium policies.","display":"80% of premiums paid (90% of single premium)","note":"Excludes underwriting extras and taxes. Not applicable to a lapsed policy, as nothing is payable under it.","quote":"This policy shall be void if the Life Assured commits suicide at any time within 12 months from the date of commencement of risk, provided the policy is inforce or within 12 months from the date of revival and the Corporation will not entertain any claim except for 80% of the premiums paid (excluding any extra amount if charged under the policy due to underwriting decisions and taxes) till the date of death. ... b) Under single Premium Policy:\nThis policy shall be void if the Life assured commits suicide at any time within 12 months from the date of commencement of risk and the Corporation will not entertain any claim except 90 % of the Single Premium paid ... This clause shall not be applicable for a lapsed policy as nothing is payable under such policies.","sources":[{"clause":"4(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-4-a-2"},{"clause":"4(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-4-b-2"}],"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":"cross-checked","value":"No surrender value. A Policy Cancellation Value of 70% of premiums paid times unexpired term over original term is paid on cancellation of single premium policies (immediately) and limited premium policies (after two full years' premiums); none for regular premium policies.","display":"No surrender value; Policy Cancellation Value for single and limited premium","note":null,"quote":"Surrender: Surrender value is not applicable under this Policy. ... The Policy Cancellation Value acquires immediately after receipt of Single Premium and is calculated as follows: =70% ×Single Premium paid x Unexpired Policy Term Original Policy Term ... The Policy Cancellation Value acquires if at least two (2) consecutive full years’ premiums are paid and is calculated as follows: =70% × Total Premiums Paid x Unexpired Policy Term Original Policy Term ... d) No policy cancellation value shall be payable in respect of regular premium policies.","sources":[{"clause":"5","heading":"Surrender","page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-5-3"},{"clause":"6(c)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-6-c-i"},{"clause":"6(c)(ii)","heading":"Limited Premium Payment Term","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-6-c-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":"cross-checked","value":"No cover continues: all benefits cease after the grace period and nothing is payable; limited premium policies get the Policy Cancellation Value on cancellation.","display":"None; benefits cease","note":null,"quote":"all the benefits shall cease after the expiry of grace period from the date of first unpaid premium and nothing shall be payable, and the premiums paid till then are also not refundable. However, in case of limited premium payment policies, policy cancellation value is payable on cancellation of policy.","sources":[{"clause":"3(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-3-a"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"cross-checked","value":"Within 5 consecutive complete years from the due date of the first unpaid premium and before maturity, by paying arrears with interest (9.50% p.a. for 1 May 2024 to 30 April 2025), subject to proof of continued insurability.","display":"Within 5 years of first unpaid premium","note":"Applies to regular and limited premium policies only.","quote":"Revival of lapsed Policies (Applicable for Regular and Limited Premium policies) ... Revival Period means the period of five consecutive complete years from the due date of first unpaid premium ... it may be revived during the life time of the Life Assured, but within the Revival Period and before the Date of Maturity, as the case may be, on payment of all the arrears of premium(s) together with interest ... for 12 months’ period commencing from 1st May, 2024 to 30th April, 2025, the applicable interest rate for revival shall be 9.50% p.a. compounding half-yearly. ... proof of continued insurability may be required for revival of the discontinued policy.","sources":[{"clause":"4","heading":"Revival of lapsed Policies (Applicable for Regular and Limited Premium policies)","page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-4-3"},{"clause":"43","heading":"Revival Period","page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-43"},{"clause":"4(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-4-a"},{"clause":"4(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-4-b"}],"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":"cross-checked","value":"No loan is available.","display":"No","note":null,"quote":"Policy Loan: No loan will be available under this policy","sources":[{"clause":"7","heading":"Policy Loan: No loan will be available under this policy","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-7-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"cross-checked","value":["None (Rider Benefits: Not Applicable)"],"display":"None","note":null,"quote":"c) Rider Benefits: Not Applicable","sources":[{"clause":"1(a)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-1-a-i"}],"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":"cross-checked","value":"After three years from the date of issuance, commencement of risk, revival or rider, whichever is later, the policy cannot be called in question on any ground; within three years it can be questioned on the ground of fraud or misstatement of a material fact.","display":"Cannot be questioned after 3 years","note":"On repudiation for misstatement or suppression (not fraud), the premiums collected are paid back within ninety days of repudiation.","quote":"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. ... 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 ... 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 ... 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":14,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-section-45"},{"clause":"Section 45(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#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":"not-stated","value":null,"display":null,"note":"Pointer only: the policy wording says 'The tax benefits, if any, would be as per the prevailing provisions of the tax laws in India' and that taxes on premiums are collected separately. The sales brochures (documents 2 and 3) say to consult a tax advisor.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Refund less proportionate risk premium, medical examination expenses and stamp duty, within 15 days of the request.","quote":"The Policyholder has a free look period of 30 days from the date of receipt of the electronic or physical mode of policy document ... the policyholder shall be entitled to a refund of the premium paid subject only to the deduction of a proportionate risk premium for the period of cover and expenses incurred by the Corporation on medical examination of the Life Assured and stamp duty charges. ... A request received by the Corporation for free look cancellation of the policy shall be processed and premium refunded within 15 days of receipt of the request","sources":[{"clause":"2(a)","heading":"This","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-2-a-2"},{"clause":"2(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-2-b-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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly mode)","note":"15 days for monthly premiums. Not applicable to single premium policies.","quote":"Grace Period (Applicable in case of Limited and Regular Premium payment policies only) ... A grace period of 30 days where the mode of payment of Premium is yearly or half yearly and 15 days in case of monthly, is allowed for the payment of each renewal Premium.","sources":[{"clause":"3","heading":"Grace Period (Applicable in case of Limited and Regular Premium payment policies only)","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-3-3"}],"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":"cross-checked","value":"18 to 65 years (last birthday).","display":"18 to 65 years","note":"From the sales brochure (document 3); the older brochure copy filed as the CIS (document 2) prints the same.","quote":"c) Minimum Age at entry | : 18 years (Last Birthday)\nd) Maximum Age at entry | : 65 years (Last Birthday)","sources":[{"clause":"2(b)","heading":"Maximum Basic Sum Assured","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/110#c-2-b"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Yearly","Half-yearly","Monthly (through ECS/NACH only)"],"display":"Yearly, half-yearly, monthly (ECS/NACH)","note":"For regular and limited premium; single premium is paid once. List from the sales brochure (document 3; document 2, an older brochure copy filed as the CIS, prints the same); the policy wording's grace clause names the same yearly, half-yearly and monthly modes.","quote":"In case of Regular Premium and Limited Premium payment option, the premium can be paid regularly during the premium paying term with modes of premium payment Yearly, Half-yearly or Monthly (through ECS/NACH only) ... where the mode of payment of Premium is yearly or half yearly and 15 days in case of monthly","sources":[{"clause":"3","heading":"Payment of Premiums","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/110#c-3"},{"clause":"3","heading":"Grace Period (Applicable in case of Limited and Regular Premium payment policies only)","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-3-3"}],"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":"cross-checked","value":["Single Premium","Regular Premium","Limited Premium"],"display":"Single, regular or limited","note":null,"quote":"Whether Single Premium / Regular Premium / Limited Premium payment opted for","sources":[{"clause":"Schedule","heading":null,"page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-schedule"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"cross-checked","value":"No. No maturity benefit is payable.","display":"No","note":null,"quote":"No Maturity Benefit shall be payable on the Life Assured surviving the stipulated Date of Maturity.","sources":[{"clause":"1(a)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-1-a-i"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"cross-checked","value":"The death benefit is paid as a lump sum.","display":"Lump sum","note":null,"quote":"the Death Benefit amount payable as a lump sum is","sources":[{"clause":"1(a)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108#c-1-a-i"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":"Rider Benefits are stated as Not Applicable.","quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":"Free look refund deducts charges for medical examination 'if any'; no rule on when tests are needed is printed.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document","pages":14,"fetched_at":"2026-10-16 07:11:35.248734+00","source_url":"https://licindia.in/documents/20121/1307964/Policy+Document+Modified+LIC%27s+Saral+Jeevan+Bima.pdf/3662a2c9-3ee1-9997-b83a-a7c08592b860?t=1735734237927","url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/108"},{"kind":"brochure","label":"CIS LIC's Saral Jeevan Bima (linked as the CIS on licindia.in, but the file is an older copy of the sales brochure)","pages":8,"fetched_at":"2026-10-16 07:11:35.248734+00","source_url":"https://licindia.in/documents/20121/1325029/Modified_Sales+Brochure+LIC%27s+Saral+Jeevan+Bima+%281%29.pdf/57990dd4-501b-4c99-529e-0535785a3dde?t=1741863748516","url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/109"},{"kind":"brochure","label":"Sales Brochure","pages":16,"fetched_at":"2026-10-16 07:11:35.248734+00","source_url":"https://licindia.in/documents/20121/1639835/LIC+Saral+Jeevan+Bima_Sales+Brochure_30032026-ENG.pdf/a712554e-36b0-8059-d311-dcfeba3edb3d?t=1774892587613","url":"https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01/document/110"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"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 Saral Jeevan Bima (UIN 512N341V01), IndiaInsurances, https://indiainsurances.com/policy/lic/lic-s-saral-jeevan-bima-512n341v01"}