{"uin":"512N355V02","name":"LIC's Yuva Term","url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02","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":"2024-11-18","withdrawn_on":null,"summary":"LIC's Yuva Term is a non-par, non-linked pure risk term plan that pays the Sum Assured on Death and no maturity benefit, with a Level or an Increasing Sum Assured option. Basic Sum Assured starts at Rs. 50,00,000, entry age is 18 to 45 and premiums can be single, regular or limited (10 or 15 years).","analysis":{"state":"extracted","analysed_at":"2026-10-16 07:11:52.377339+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":"cross-checked","value":["Option I: Level Sum Assured","Option II: Increasing Sum Assured"],"display":"Option I: Level Sum Assured; Option II: Increasing Sum Assured","note":"These are the two Death Benefit Options; the option chosen cannot be changed later.","quote":"Option I: Level Sum Assured ... Option II: Increasing Sum Assured ... The Death Benefit Option once chosen cannot be changed later","sources":[{"clause":null,"heading":"Option I: Level Sum Assured","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-option-i-level-sum-assured"},{"clause":null,"heading":"Option II: Increasing Sum Assured","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-option-ii-increasing-sum-assured"}],"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":"Minimum 15 years (Regular, Single or Limited Premium of 10 years) or 20 years (Limited Premium of 15 years); maximum 40 years under the Level Sum Assured option, subject to the maximum age at maturity.","display":"15 to 40 years (minimum 20 years for Limited Premium of 15 years)","note":"From the sales brochure. Under the Increasing Sum Assured option the maximum term depends on age and Basic Sum Assured band (as low as 21 years for ages 40-45 with Rs 50 lakh to under Rs 1 crore, Regular/Limited Premium); always subject to maximum maturity age 75.","quote":"Minimum Policy Term: 15 years under Regular/Single/Limited Premium of 10 years : 20 years under Limited Premium of 15 years ... Under Level Sum Assured death benefit option: 40 years. The maximum Policy Term shall be subject to maximum Age at Maturity. ... Under Increasing Sum Assured death benefit option: The maximum Policy Term shall depend on the Age and Basic Sum Assured band ... 40-45 | 21 ... Maximum age at Maturity | : [75] years (Last Birthday)","sources":[{"clause":"2","heading":"Eligibility Conditions and Other Restrictions","page":2,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113#c-2"},{"clause":"2(i)","heading":"Under Level Sum Assured death benefit option","page":3,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113#c-2-i"},{"clause":"2(ii)","heading":"Under Increasing Sum Assured death benefit option","page":3,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113#c-2-ii"}],"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":"The policyholder or claimant must tell the Corporation about the insured event at the earliest possible time; no fixed number of days is given.","display":"At the earliest possible time","note":"No fixed deadline in days.","quote":"Policyholder or the claimant, as applicable, is required to intimate the Corporation, about the happening of the insured event resulting into a claim under the policy, at the earliest possible time.","sources":[{"clause":"4(a)","heading":"Death Claim","page":12,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-4-a-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"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 the age is not admitted","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, prior medical treatment records, school/college/employer's certificate; FIR, Panchnama and Post Mortem report for accidental death","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.","sources":[{"clause":"4(a)","heading":"Death Claim","page":12,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-4-a-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"Death claims not requiring investigation are settled in 15 days; early death claims requiring investigation are decided and paid in 45 days.","display":"15 days (45 days if investigation is needed)","note":"From the CIS turnaround table; the point from which the days are counted is not stated.","quote":"Death claims settlements not requiring Investigations | 15 days ... Early Death Claims requiring investigations - decision & payment | 45 days","sources":[{"clause":"Row 1","heading":"Death Claims","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/112#c-row-1-2"}],"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":"cross-checked","value":["Suicide (whether sane or insane) within 12 months from the date of commencement of risk or from the date of revival: only 80% of the total premiums paid is payable (80% of the Single Premium under Single Premium policies)"],"display":"Suicide within 12 months: only 80% of premiums paid","note":"Suicide is the only exclusion printed (CIS row 9 lists only the Suicide Exclusion).","quote":"If the Life Assured (whether sane or insane) commits suicide at any time within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the Nominee or Beneficiary of the Life Assured shall be entitled to 80% of the total premiums paid ... the Nominee or Beneficiary of the Life Assured shall be entitled to 80% of the Single Premium paid ... Exclusions (events where insurance coverage is not payable), if any. | Suicide Exclusion","sources":[{"clause":"2","heading":"Suicide Exclusion","page":11,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-2-5"},{"clause":null,"heading":"Option II: Increasing Sum Assured","page":2,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/112#c-option-ii-increasing-sum-assured"}],"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 Branch Office or the Corporation's Grievance Redressal Officers at Branch/Divisional/Zonal/Central Office, through the Customer Portal or by e-mail to co_complaints@licindia.com. Death claim repudiations can be referred to the Zonal Office or Central Office Claims Dispute Redressal Committee; if there is no reply within 15 days, the customer may approach IRDAI.","display":"Branch Office or Grievance Redressal Officers (Branch/Divisional/Zonal/Central Office); IRDAI if no response within 15 days","note":null,"quote":"you may approach the Branch Office on the address mentioned above or Grievance Redressal Officer/ Ombudsman ... The Corporation has Grievance Redressal Officers (GROs) at Branch/ Divisional/ Zonal/ Central Office to redress grievances of customers. ... 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 customer is not satisfied with the response or does not receive a response from us within 15 days, then the customer may approach the Policyholder’s Protection and Grievance Redressal Department","sources":[{"clause":null,"heading":"Free Look Period","page":1,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-free-look-period"},{"clause":"Section 45","heading":"of the Insurance Act 1938","page":12,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#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":"cross-checked","value":"Minimum Basic Sum Assured Rs. 50,00,000; maximum Rs. 5,00,00,000, with higher amounts considered case by case in accordance with underwriting decision.","display":"Rs. 50,00,000 to Rs. 5,00,00,000","note":"From the sales brochure. Sum Assured in multiples of Rs. 1,00,000 from Rs. 50,00,000 to Rs. 75,00,000, with larger multiples above that.","quote":"Minimum Basic Sum Assured: ` 50,00,000/-. ... Maximum Basic Sum Assured: ` 5,00,00,000/-* (*The Basic Sum Assured above ` 5,00,00,000 (Five Crore) may be considered on case to case basis in accordance with underwriting decision ... From ` 50,00,000/- to ` 75,00,000/- | ` 1,00,000/-","sources":[{"clause":"2","heading":"Eligibility Conditions and Other Restrictions","page":2,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113#c-2"}],"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":"Sum Assured on Death. For Regular and Limited premium policies it is the highest of 7 times Annualised Premium, 105% of Total Premiums Paid up to death, or the Absolute amount assured; for Single premium it is the higher of 125% of Single Premium or the Absolute amount assured. The Absolute amount is the Basic Sum Assured (Option I), or rises by 10% of Basic Sum Assured each year from the sixth to the fifteenth policy year up to twice the Basic Sum Assured (Option II).","display":"Highest of 7 times Annualised Premium, 105% of premiums paid or the Absolute amount assured (Single premium: higher of 125% of Single Premium or Absolute amount)","note":"Paid as lump sum and/or in instalments over 5, 10 or 15 years if the Life Assured opted.","quote":"Under Regular premium and Limited premium payment policy, “Sum Assured on Death” is defined as the highest of: • 7 times of Annualised Premium; or • 105% of “Total Premiums Paid” upto the date of death; or • Absolute amount assured to be paid on death. Under Single premium policy, “Sum Assured on Death” is defined as the higher of: • 125% of Single Premium. • 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 ... Thereafter, it increases by 10% of Basic Sum Assured each year from the sixth policy year till fifteenth policy year till it becomes twice the Basic Sum Assured. ... The Death Benefit shall be paid in lump sum as specified above and/or in instalments ... This is an option to receive Death Benefit in instalments over a period of 5 or 10 or 15 years instead of lump sum amount under an in-force policy.","sources":[{"clause":"1","heading":"The following benefits are payable under an in-force policy","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-1-3"},{"clause":null,"heading":"Option I: Level Sum Assured","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-option-i-level-sum-assured"},{"clause":null,"heading":"Option II: Increasing Sum Assured","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-option-ii-increasing-sum-assured"},{"clause":"8","heading":"Option to take Death Benefit in instalments","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-8-3"}],"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":null,"heading":"Option II: Increasing Sum Assured","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-option-ii-increasing-sum-assured"}],"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, Limited Premium of 10 years, Limited Premium of 15 years, or Single Premium.","display":"Regular, 10 years, 15 years, or single premium","note":"From the sales brochure.","quote":"Premium Payment Term: Regular, Limited Premium of 10 years, Limited Premium of 15 years, Single Premium","sources":[{"clause":"2","heading":"Eligibility Conditions and Other Restrictions","page":2,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113#c-2"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"cross-checked","value":"Maximum age at maturity is 75 years (last birthday); minimum 33 years.","display":"75 years","note":"From the sales brochure. Minimum maturity age 33 years.","quote":"Minimum Age at Maturity | : [33] years (Last Birthday) ... Maximum age at Maturity | : [75] years (Last Birthday)","sources":[{"clause":"2","heading":"Eligibility Conditions and Other Restrictions","page":2,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113#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":"cross-checked","value":"Suicide within 12 months from commencement of risk or revival: 80% of total premiums paid (excluding extra premium, rider premium and taxes) under an in-force Regular/Limited premium policy; 80% of the Single Premium under a Single Premium policy.","display":"80% of premiums paid if suicide within 12 months","note":"Not applicable to a lapsed policy, as nothing is payable under such policies.","quote":"If the Life Assured (whether sane or insane) commits suicide at any time within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the Nominee or Beneficiary of the Life Assured shall be entitled to 80% of the total premiums paid (excluding any extra premium, rider premium and taxes, if collected explicitly) till the date of death, provided the policy is in force. ... This clause shall not be applicable for a lapsed policy as nothing is payable under such policies. ... the Nominee or Beneficiary of the Life Assured shall be entitled to 80% of the Single Premium paid excluding any extra premium, rider premium and taxes, if collected explicitly.","sources":[{"clause":"2","heading":"Suicide Exclusion","page":11,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-2-5"}],"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. On surrender, an Unexpired Risk Premium Value, if any, is paid: anytime for Single Premium policies, and for Limited Premium policies only if full premiums have been paid for at least three consecutive years. Nothing is payable for Regular Premium policies.","display":"No surrender value; Unexpired Risk Premium Value for Single and Limited premium policies","note":"Amounts follow formulas in Condition 4 of Part D.","quote":"No surrender value will be available under this Plan. ... Regular Premium policies: Nothing shall be payable. ... In case of Single Premium, Unexpired Risk Premium Value, if any, shall be payable on surrender of the policy, anytime during the Policy Term. ... In case of Limited Premium Payment, Unexpired Risk Premium Value, if any, shall only be payable if full premiums have been paid for at least three consecutive years.","sources":[{"clause":"4","heading":"Surrender","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-4-3"},{"clause":"4(a)","heading":"Regular Premium policies","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-4-a"},{"clause":"4(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-4-b"},{"clause":"4(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-4-c"}],"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 paid-up value is available.","display":"None","note":null,"quote":"Not applicable as there is no Paid-up Value available under this plan.","sources":[{"clause":"2(ii)","heading":"Forfeiture in Certain Other Events","page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-2-ii"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"cross-checked","value":"A lapsed policy may be revived within five consecutive complete years from the date of First Unpaid Premium and before maturity, by paying arrears with interest, subject to Continued Insurability.","display":"5 years from first unpaid premium","note":"Interest 9.50% p.a. compounding half yearly for 1 May 2024 to 30 April 2025. Regular and Limited premium policies only.","quote":"Revival Period means the period of five consecutive complete years from the date of First Unpaid Premium ... Revival of lapsed Policies (Applicable for Regular Premium and Limited Premium Payment policies): ... A policy in lapsed condition may be revived during the life time of the Life Assured, but within the Revival Period and before the date of maturity ... The revival shall be effected on payment of all the arrears of premium(s) together with interest (compounding half yearly) at such rate as may be fixed by the Corporation from time to time and on satisfaction of Continued Insurability ... For the 12 months’ period commencing from 1st May, 2024 to 30th April, 2025, the applicable interest rate shall be 9.50% p.a. compounding half yearly.","sources":[{"clause":"43","heading":"Revival Period","page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-43"},{"clause":"3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-3-4"}],"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":"No loan will be available under this policy","sources":[{"clause":"5","heading":"Policy Loan","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-5-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"No rider is named in any document. The policy wording refers to Rider(s) only in general terms, and the CIS template says 'Riders opted, if any: Not Applicable'.","quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"cross-checked","value":"Section 45 of the Insurance Act applies: the policy cannot be called in question on any ground after three years from issuance, commencement of risk, revival or rider date, whichever is later; within three years it can be questioned on the ground of fraud or misstatement of material fact.","display":"Cannot be questioned after 3 years; within 3 years only for fraud or material misstatement","note":null,"quote":"Section 45 as per the Insurance Act 1938 as amended from time to time ... 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 ... 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 ... 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 the proposal","sources":[{"clause":"Section 45","heading":"as per the Insurance Act 1938 as amended from time to time","page":16,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-section-45-2"},{"clause":"Section 45(d)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#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":"Documents only say taxes are charged on premiums; the brochure says to consult your tax advisor for income tax benefits.","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 after deducting proportionate risk premium, medical examination and stamp duty charges.","quote":"Free Look Period of 30 days from the date of receipt of the electronic or physical mode of Policy Document, whichever is earlier ... return the amount of premium deposited after deducting the proportionate risk premium (for Base Policy and Rider(s), if opted for) for the period of cover, expenses incurred on medical examination (including special reports, if any) and stamp duty charges.","sources":[{"clause":"7","heading":"Free look period","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-7-3"}],"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","note":"Regular and Limited premium policies only.","quote":"Grace Period (Applicable in case of Limited and Regular Premium payment policies only) ... A grace period of 30 days shall be allowed for payment of yearly or half yearly premiums from the date of First Unpaid 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-yuva-term-512n355v02/document/111#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 45 years (age last birthday).","display":"18 to 45 years","note":"From the sales brochure.","quote":"Minimum Age at entry | : [18] years (Last Birthday) ... Maximum Age at entry | : [45] years (Last Birthday)","sources":[{"clause":"2","heading":"Eligibility Conditions and Other Restrictions","page":2,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113#c-2"}],"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","Single"],"display":"Yearly or half-yearly; or single premium","note":"From the sales brochure. The policy wording's grace period clause also refers only to yearly or half yearly premiums.","quote":"Regular Premium payment, Limited Premium payment or Single Premium payment options are available under this plan. In case of Regular and Limited Premium payment, the premium can be paid regularly during the Premium Paying Term with modes of premium payment as Yearly or Half Yearly. ... A grace period of 30 days shall be allowed for payment of yearly or half yearly premiums","sources":[{"clause":"5","heading":"Payment of Premiums","page":5,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113#c-5"},{"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-yuva-term-512n355v02/document/111#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 premium","note":"Limited premium terms are 10 or 15 years (sales brochure).","quote":"Under Regular premium and Limited premium payment policy ... Under Single premium policy ... Premium Payment Term: Regular, Limited Premium of 10 years, Limited Premium of 15 years, Single Premium","sources":[{"clause":"1","heading":"The following benefits are payable under an in-force policy","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-1-3"},{"clause":"2","heading":"Eligibility Conditions and Other Restrictions","page":2,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113#c-2"}],"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 on survival.","display":"No","note":null,"quote":"No Maturity Benefit shall be payable on the Life Assured surviving the stipulated Date of Maturity.","sources":[{"clause":null,"heading":"Option II: Increasing Sum Assured","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-option-ii-increasing-sum-assured"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"cross-checked","value":"Lump sum, or (if the Life Assured opts during his or her lifetime) instalments over 5, 10 or 15 years paid yearly, half-yearly, quarterly or monthly, for full or part of the death proceeds.","display":"Lump sum or instalments over 5, 10 or 15 years","note":"Minimum instalment Rs. 5,000 monthly, 15,000 quarterly, 25,000 half-yearly, 50,000 yearly; otherwise paid as lump sum. The nominee cannot alter the option.","quote":"This is an option to receive Death Benefit in instalments over a period of 5 or 10 or 15 years instead of lump sum amount under an in-force policy. This option can be exercised only by the Life Assured during his/her lifetime, for full or part of the Death proceeds payable under the policy. ... The instalments shall be paid in advance at yearly or half-yearly or quarterly or monthly intervals ... Monthly | Rs. 5,000/- ... Quarterly | Rs. 15,000/- ... Half-Yearly | Rs. 25,000/- ... Yearly | Rs. 50,000/-","sources":[{"clause":"8","heading":"Option to take Death Benefit in instalments","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-8-3"}],"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":"No terminal illness benefit is mentioned.","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":"cross-checked","value":"Yes, under Option II (Increasing Sum Assured): the death cover equals the Basic Sum Assured for five policy years, then rises by 10% of Basic Sum Assured each year from the sixth to the fifteenth policy year until it is twice the Basic Sum Assured.","display":"Yes, Option II Increasing Sum Assured: up 10% a year from year 6 to twice the cover","note":"Must be chosen at the start and cannot be changed later.","quote":"Option II: Increasing Sum Assured ... Absolute amount assured to be paid on death shall remain equal to Basic Sum Assured till completion of fifth policy year. Thereafter, it increases by 10% of Basic Sum Assured each year from the sixth policy year till fifteenth policy year till it becomes twice the Basic Sum Assured. ... The Death Benefit Option once chosen cannot be changed later","sources":[{"clause":null,"heading":"Option II: Increasing Sum Assured","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-option-ii-increasing-sum-assured"}],"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":"No waiver of premium benefit is mentioned.","quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"cross-checked","value":"Non-Smoker premium rates are applied based on the findings of a Urinary Cotinine test; otherwise Smoker rates apply. The cover levels at which medical examinations are required are not stated.","display":"Urinary Cotinine test decides Non-Smoker rates","note":"From the sales brochure. The policy wording mentions charges for medical examination (deducted on free-look cancellation) but gives no thresholds.","quote":"The application of Non-Smoker rates shall be based on the findings of the Urinary Cotinine test. In all other cases, the Smoker rates will be applicable. ... expenses incurred on medical examination (including special reports, if any)","sources":[{"clause":"1","heading":"Key Features","page":2,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113#c-1"},{"clause":"7","heading":"Free look period","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111#c-7-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document","pages":17,"fetched_at":"2026-10-16 07:11:35.542412+00","source_url":"https://licindia.in/documents/20121/1243736/Policy+Document_LIC%27s_Yuva+Term_V02.pdf/7c96542e-ad37-156d-7aaf-d1a03e8feaf4?t=1732264539340","url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/111"},{"kind":"cis","label":"CIS LIC’s Yuva Term","pages":7,"fetched_at":"2026-10-16 07:11:35.542412+00","source_url":"https://licindia.in/documents/20121/1243736/CIS+_LIC%27s+Yuva+Term_V02.pdf/4bbdc34c-2d70-8161-4524-62957ecd59eb?t=1732265278001","url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/112"},{"kind":"brochure","label":"Sales Brochures","pages":16,"fetched_at":"2026-10-16 07:11:35.542412+00","source_url":"https://licindia.in/documents/20121/1319704/Lic+leaflet+Yuva+Term+4x9+inches+wxh+single+pages.pdf/3e537a91-d30b-8e99-0725-a74394037652?t=1744865534516","url":"https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02/document/113"}],"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 Yuva Term (UIN 512N355V02), IndiaInsurances, https://indiainsurances.com/policy/lic/lic-s-yuva-term-512n355v02"}