{"uin":"512N398V01","name":"LIC's New Jeevan Dhara II","url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01","insurer":{"slug":"lic","name":"Life Insurance Corporation of India","url":"https://indiainsurances.com/insurer/lic"},"line":"life","category":"pension-annuity","category_name":"Pension and annuity","irdai_type":"Product","kind":"product","status":"active","approved_on":"2023-12-11","withdrawn_on":null,"summary":"LIC's New Jeevan Dhara II is a non-par, non-linked, individual savings deferred annuity plan with guaranteed annuity rates at policy inception and annuities payable after the deferment period for life. It offers regular and single premium choices, single and joint life annuity variants, a 30-day free-look period and no maturity benefit.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:51:21.525858+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Regular Premium","Single Premium","Single Life Annuity","Joint Life Annuity"],"display":"Regular Premium and Single Premium; Single Life Annuity and Joint Life Annuity","note":"From the sales brochure.","quote":"Regular Premium and Single Premium options Single Life and Joint Life Annuity variants","sources":[{"clause":null,"heading":"II","page":1,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-ii"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy term is not applicable.","display":"Not applicable","note":"From the sales brochure.","quote":"v) Policy Term: Not applicable","sources":[{"clause":"3(v)","heading":"Policy Term","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-3-v"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"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":"quote-verified","value":["death due to suicide of the Annuitant or Last Survivor in case of Joint Life within 12 months","For a policy lapsed without acquiring paid-up value, nothing shall be payable","untrue or incorrect statement is contained in the proposal, personal statement, declaration and connected documents or any material information is withheld"],"display":"Suicide within 12 months is limited to the suicide-clause amount; lapsed policy without paid-up value pays nothing; untrue or incorrect statements or withheld material information can make the policy void.","note":"From the sales brochure.","quote":"In case of death due to suicide of the Annuitant or Last Survivor in case of Joint Life 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/ Beneficiary of the Annuitant or Last Survivor, as applicable shall be entitled to 80% of the Total Premium paid (including additional premium paid for Top-up annuity, if any) till the date of death or Surrender value available as on the date of death, whichever is higher, provided the policy is in-force. ... For a policy lapsed without acquiring paid-up value, nothing shall be payable under such policies. ... In case it is found that any untrue or incorrect statement is contained in the proposal, personal statement, declaration and connected documents or any material information is withheld, then and in every such case the policy shall be void and all claims to any benefit by virtue thereof shall be subject to the provisions of Section 45 of the Insurance Act, 1938 as amended from time to time.","sources":[{"clause":"22","heading":"Suicide Exclusion","page":37,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-22"},{"clause":"18","heading":"Forfeiture in Certain Events","page":36,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-18"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First approach LIC's Grievance Redressal Officers at Branch, Divisional, Zonal or Central Office, use LIC's Integrated Complaint Management System on the Customer Portal, or email co_complaints@licindia.com. If not satisfied or no response is received within 15 days, the customer may approach IRDAI, and claim-related grievances can also go to the Insurance Ombudsman.","display":"LIC GROs / Customer Portal / co_complaints@licindia.com first; then IRDAI after 15 days or Ombudsman for claim grievances","note":"From the sales brochure.","quote":"The Corporation has Grievance Redressal Officers (GROs) at Branch/ Divisional/ Zonal/ Central Office to redress grievances of customers. ... Customer friendly Integrated Complaint Management System through our Customer Portal (website) https://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. ... In case the customer is not satisfied with the response or do not receive the response from us within 15 days, then the customer may approach the Policyholder’s Protection and Grievance Redressal Department","sources":[{"clause":null,"heading":"Premium Summary","page":43,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-premium-summary-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":"The sales brochure gives death-benefit formulae based on Total Premiums Paid or Purchase Price, but no separate sum assured minimum or maximum is stated.","quote":null,"sources":[],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"Death benefit depends on the chosen annuity option. During the deferment period, regular-premium options generally pay 105% of Total Premiums Paid and single-premium options pay 105% of Purchase Price, subject to at least surrender value; after deferment, some options have no death benefit and return-of-premium or return-of-purchase-price options pay the stated return amount.","display":"Varies by option; during deferment 105% of Total Premiums Paid or 105% of Purchase Price, subject to at least surrender value","note":"From the sales brochure. The exact amount varies by annuity option and by whether death occurs during or after the deferment period.","quote":"On death of the Annuitant during the Deferment Period: Death Benefit equal to 105% of Total Premiums Paid upto the date of death shall be payable to nominee(s) as per the option exercised by the Annuitant. In any case, the above Death Benefit shall not be less than the Surrender Value calculated as on the date of death. On death of the Annuitant after the Deferment Period: The annuity payments shall cease immediately. No Death Benefit shall be payable and the policy shall terminate. ... On death of the Annuitant during the Deferment Period: Death Benefit equal to 105% of Purchase Price shall be payable to nominee(s) as per the option exercised by the Annuitant. In any case, the above Death Benefit shall not be less than the Surrender Value calculated as on the date of death. On death of the Annuitant afet r the Deferment Period: The annuity payments shall cease immediately and Death Benefit equal to 100% of Purchase Price shall be payable to nominee(s) as per the option exercised by the Annuitant.","sources":[{"clause":"4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-4-a"},{"clause":null,"heading":"Deferment • On first death (of either of the","page":13,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-deferment-on-first-death-of-either-of-the"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"There is no maturity benefit under this plan.","display":"No maturity benefit","note":"From the sales brochure.","quote":"b) Maturity Benefit:\nThere is no maturity benefit under this plan.","sources":[{"clause":"4(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-4-b"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"For Regular Premium policies, the premium paying term is the same as the deferment period. For Single Premium policies, it is Single Pay.","display":"Regular Premium: same as deferment period; Single Premium: Single Pay","note":"From the sales brochure.","quote":"vii) Premium Payment Term:\nUnder Regular Premium : Same as Deferment Period Under Single Premium : Single Pay","sources":[{"clause":"3(vii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-3-vii"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-applicable","value":null,"display":null,"note":"This is a deferred annuity with policy term stated as not applicable and no maturity benefit; annuity payments are for life after vesting rather than ending at a maturity age.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide of the Annuitant or Last Survivor in a joint life case within 12 months from commencement of risk or revival, the nominee or beneficiary gets 80% of Total Premium paid, including top-up premium if any, or surrender value as on death, whichever is higher, provided the policy is in force.","display":"Within 12 months: 80% of Total Premium paid including top-up premium, or surrender value, whichever is higher","note":"From the sales brochure. The brochure also says the clause applies to paid-up policies and does not apply after the deferment period.","quote":"In case of death due to suicide of the Annuitant or Last Survivor in case of Joint Life 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/ Beneficiary of the Annuitant or Last Survivor, as applicable shall be entitled to 80% of the Total Premium paid (including additional premium paid for Top-up annuity, if any) till the date of death or Surrender value available as on the date of death, whichever is higher, provided the policy is in-force.","sources":[{"clause":"22","heading":"Suicide Exclusion","page":37,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-22"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"Single Premium policies can be surrendered at any time on payment of Purchase Price. Regular Premium policies with premium paying term below 5 years can be surrendered any time during or after deferment after at least one full year's premium, and regular policies with premium paying term of 5 years or more can be surrendered after completion of the first policy year after at least one full year's premium; surrender value is the higher of GSV and SSV.","display":"Surrender allowed; value is higher of GSV and SSV, with timing depending on premium type and premium paying term","note":"From the sales brochure. After the deferment period, surrender is allowed only for options with return of premiums or purchase price; nothing is payable on surrender after deferment under Option-1 and Option-8.","quote":"Single Premium Policies: Single Premium Policies can be surrendered by the policyholder at any time on payment of Purchase Price. Regular Premium Policies:\n• Regular Premium Policies with Premium Paying Term of less than 5 years, can be surrendered by the policyholder at any time during or after Deferment Period provided premium(s) has been paid for at least one full year.\n• Regular Premium Policies with Premium Paying Term equal to or greater than 5 years, can be surrendered by the policyholder after completion of first Policy Year, provided premium(s) has been paid for at least one full year. ... On surrender of policy, the Surrender Value payable shall be higher of Guaranteed Surrender value (GSV) and Special Surrender Value (SSV).","sources":[{"clause":"16","heading":"Surrender","page":31,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-16"},{"clause":"16(b)","heading":"After the deferment period","page":31,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-16-b"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"For regular premium policies, if less than one full year's premiums have been paid and later premium is unpaid, benefits cease after grace period. If the specified minimum premiums have been paid, the policy subsists as paid-up and annuity is reduced to a Paid-up Annuity equal to original annuity multiplied by the ratio of paid premium period to the original premium-paying period.","display":"Paid-up after at least one full year's premium; annuity reduces by paid-period ratio","note":"From the sales brochure. Conditions differ by premium paying term below 5 years and 5 years or more.","quote":"If less than one full years’ premiums have been paid and any subsequent premium be not duly paid, all the benefits under the policy shall cease after the expiry of grace period from the date of First Unpaid Premium, and nothing shall be payable. ... the policy shall not be wholly void, but shall subsist as a Paid-up policy. ... The Annuity amount under a Paid-up policy shall be reduced to such a sum called ‘Paid-up Annuity’ and shall be equal to Original Annuity amount multiplied by the ratio of the total period for which premiums have already been paid bears to the maximum period for which premiums were originally payable.","sources":[{"clause":"15","heading":"Paid-Up Value (Applicable For Regular Premium Policies)","page":29,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-15"},{"clause":"15(b)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-15-b"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed policy may be revived during the lifetime of the annuitant(s) within 5 consecutive complete years from the date of First Unpaid Premium, by paying arrears with interest and satisfying continued insurability requirements.","display":"Within 5 consecutive complete years from First Unpaid Premium","note":"From the sales brochure.","quote":"The lapsed policy may be revived during the lifetime of the Annuitant(s) but within a period of 5 consecutive complete years from the date of First Unpaid Premium. 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 decided by the Corporation from time to time and on satisfaction of Continued Insurability of the Annuitant(s)","sources":[{"clause":"14","heading":"Revival (Applicable For Regular Premium Policies)","page":28,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-14"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loan facility is available under options with Return of Premiums Paid, during or after the deferment period, within surrender value. The maximum loan is such that effective annual interest does not exceed 50% of annual annuity and is subject to a maximum of 80% of surrender value.","display":"Available for return-of-premium options; maximum 80% of surrender value and interest cap tied to 50% of annual annuity","note":"From the sales brochure. Availability timing differs for regular and single premium policies.","quote":"Loan facility shall be available under the options with Return of Premiums Paid (during or after the deferment period) subject to the following terms and conditions, within the surrender value of the policy ... The maximum amount of loan that can be granted under the policy shall be such that the effective annual interest amount payable on loan does not exceed 50% of the annual annuity amount payable under the policy subject to maximum of 80% of Surrender Value (inclusive of surrender value of Top-up annuity tranches, if any).","sources":[{"clause":"17","heading":"Policy Loan","page":34,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-17"},{"clause":"17(iv)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-17-iv"}],"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":null,"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":"quote-verified","value":"No life insurance policy can be called in question on any ground after 3 years from the later of issuance, commencement of risk, revival or rider date. Within 3 years it may be questioned for fraud, with written grounds and materials communicated, and also for material misstatement or suppression subject to the stated conditions.","display":"Cannot be questioned after 3 years; within 3 years only on stated fraud or material misstatement grounds","note":"From the sales brochure.","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: ... Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based.","sources":[{"clause":"Section 45","heading":"OF INSURANCE ACT, 1938","page":48,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-section-45"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The brochure says to consult your tax advisor for income tax benefits or implications on premiums paid and benefits payable under the plan.","display":"Consult your tax advisor for income tax benefits/implications","note":"From the sales brochure.","quote":"Regarding Income tax benefits/implications on premium(s) paid and benefits payable under this plan, please consult your tax advisor for details.","sources":[{"clause":"20","heading":"Taxes","page":36,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-20"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"From the sales brochure.","quote":"the policy may be returned to the Corporation within 30 days from the date of receipt of the electronic or physical mode of the Policy Bond whichever is earlier stating the reasons of objections.","sources":[{"clause":"21","heading":"Free Look Period","page":37,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-21"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly premiums","note":"From the sales brochure. 30 days applies to yearly, half-yearly and quarterly premiums; 15 days applies to monthly premiums.","quote":"A grace period of 30 days will be allowed for payment of yearly or half-yearly or quarterly premiums and 15 days for monthly premiums from the date of First Unpaid Premium.","sources":[{"clause":"10","heading":"Grace Period (Applicable For Regular Premium Payment)","page":23,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-10"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 years last birthday. Maximum entry age for the Annuitant or Primary Annuitant is 70 minus Deferment Period for Options 2, 5, 6, 7, 9, 10 and 11, and 65 minus Deferment Period for Options 1, 3, 4 and 8.","display":"18 years minimum; maximum 70 minus DP or 65 minus DP depending on option","note":"From the sales brochure. Secondary annuitant maximum age is 65 minus Deferment Period for Option 8 and 70 minus Deferment Period for Options 9 and 11.","quote":"i) Minimum Age at Entry: 18 years (last birthday) (For Annuitant/Primary/Secondary Annuitant) ... For Annuitant/Primary Annuitant:\nAnnuity Option | Age in years (last birthday)\nOption: 2,5,6,7, 9, 10 & 11 | 70 minus Deferment Period\nOption: 1, 3, 4 & 8 | 65 minus Deferment Period","sources":[{"clause":"3(i)","heading":"Minimum Age at Entry","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-3-i"},{"clause":"3(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-3-ii"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["yearly","half-yearly","quarterly","monthly (through NACH only)","salary deductions (SSS)"],"display":"Yearly, half-yearly, quarterly, monthly through NACH, or salary deductions (SSS)","note":"From the sales brochure.","quote":"In case of Regular Premiums payment, the premium can be paid regularly with mode of premium payment as yearly or half-yearly or quarterly or monthly (through NACH only) or through salary deductions (SSS).","sources":[{"clause":"7","heading":"Payment Of Premiums","page":22,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-7"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Regular Premium","Single Premium"],"display":"Regular Premium or Single Premium","note":"From the sales brochure.","quote":"Regular Premium or Single Premium payment options are available under this plan.","sources":[{"clause":"7","heading":"Payment Of Premiums","page":22,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-7"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"quote-verified","value":["Option 1: Life annuity for Single Life","Option 2: Life annuity with Return of Premium for Single Life","Option 3: Life annuity with 50% Return of Premium after attaining age 75 years for Single Life","Option 4: Life annuity with 100% Return of Premium after attaining age 75 years for Single Life","Option 5: Life annuity with 50% Return of Premium after attaining age 80 years for Single Life","Option 6: Life annuity with 100% Return of Premium after attaining age 80 years for Single Life","Option 7: Life annuity with 5% Return of Premium after attaining age 76 years to 95 years for Single Life","Option 8: Life annuity for Joint Life","Option 9: Life annuity with Return of Premium for Joint Life","Option 10: Life annuity with Return of Purchase Price for Single Life","Option 11: Life annuity with Return of Purchase Price for Joint Life"],"display":"11 options: single life and joint life, with return of premium/purchase price and early return variants","note":"From the sales brochure. The quote preserves brochure spelling where it appears as 'afet r atat ining' and 'Optoi n'.","quote":"Option 1 | Life annuity for Single Life ... Option 2 | Life annuity with Return of Premium for Single Life ... Option 3 | Life annuity with 50% Return of Premium afet r atat ining age 75 years for Single Life ... Optoi n 4 | Life annuity with 100% Return of Premium afet r atat ining age 75 years for Single Life ... Option 5 | Life annuity with 50% Return of Premium afet r atat ining age 80 years for Single Life ... Option 6 | Life annuity with 100% Return of Premium afet r atat ining age 80 years for Single Life ... Option 7 | Life annuity with 5% Return of Premium afet r atat ining age 76 years to 95 years for Single Life ... Option 8 | Life annuity for Joint Life ... Option 9 | Life annuity with Return of Premium for Joint Life ... Option 10 | Life annuity with Return of Purchase Price for Single Life ... Option 11 | Life annuity with Return of Purchase Price for Joint Life","sources":[{"clause":"2","heading":"Annuity Options","page":3,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-2"}],"law":[]},{"key":"purchase_price_min","label":"Minimum purchase price","section":"Eligibility","meaning":"Smallest lump sum or annuity accepted.","status":"quote-verified","value":"For Single Premium, the minimum purchase price depends on option, deferment period and age; the printed table ranges from Rs. 1,01,000 to Rs. 2,17,000. For the exceptional Divyangjan case, the minimum Purchase Price is Rs.50,000/.","display":"Single Premium minimum purchase price ranges from Rs. 1,01,000 to Rs. 2,17,000; Divyangjan exception Rs.50,000/","note":"From the sales brochure. Table columns vary by deferment-period band and whether age is below 55 years or 55 years and above.","quote":"b) Minimum Purchase Price* (in case of Single Premium): ... Optoi n-10 | 1,01,000 | 1,27,000 | 1,56,000 | 1,70,000 | 2,12,000 | 2,16,000\nOptoi n-11 | 1,27,000 | 1,29,000 | 1,71,000 | 1,72,000 | 2,16,000 | 2,17,000 ... the minimum Purchase Price under such case shall be Rs.50,000/.","sources":[{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-3-b"}],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"quote-verified","value":"The deferment period is 2 to 15 years for Regular Premium and 1 to 15 years for Single Premium.","display":"2 to 15 years for Regular Premium; 1 to 15 years for Single Premium","note":"From the sales brochure.","quote":"vi) Deferment Period : 2 to 15 years (for Regular Premium) : 1 to 15 years (for Single Premium) [Deferment Period (DP) refers to the period, in years, as chosen by the policyholder, commencing from the Date of Commencement of policy to the Date of Vesting.]","sources":[{"clause":"3(vi)","heading":"Deferment Period","page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-3-vi"}],"law":[]},{"key":"annuity_frequency","label":"Payout frequency","section":"Cover","meaning":"Monthly, quarterly, half-yearly, yearly.","status":"quote-verified","value":["yearly","half-yearly","quarterly","monthly"],"display":"Yearly, half-yearly, quarterly and monthly","note":"From the sales brochure. Annuity is payable in arrears.","quote":"The modes of annuity available are yearly, half-yearly, quarterly, and monthly.","sources":[{"clause":"9","heading":"Mode Of Annuity Payment","page":23,"url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980#c-9"}],"law":[]},{"key":"annuity_rate_example","label":"Example annuity rate","section":"Cover","meaning":"An example from the document; rates change with age and over time.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document","pages":23,"fetched_at":"2026-10-17 20:00:44+00","source_url":"https://licindia.in/documents/20121/971436/LICs+Jeevan+Dhara-II_Policy+Document_with+logo.pdf/70510dd6-69f8-d70c-b11c-bb828b703a2c?t=1706008475134","url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11996"},{"kind":"brochure","label":"Sales Brochure","pages":52,"fetched_at":"2026-10-17 20:00:26+00","source_url":"https://licindia.in/documents/20121/1887310/LIC%27s+New+Jeevan+Dhara-II_Sales+Brochure_English.pdf/8491adbc-ba87-9959-1cfe-ff721d01f513?t=1791969873502","url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/11980"},{"kind":"brochure","label":"Sales Brochure","pages":28,"fetched_at":"2026-10-17 20:01:48+00","source_url":"https://licindia.in/documents/20121/971436/101960+LIC+Jeevan+Dhara+II_Sales+Brochure_JAN+24.pdf/73f29aa3-699c-4b80-4d03-d21b3ac1225f?t=1706180880923","url":"https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01/document/12058"}],"versions":[{"uin":"512N364V01","version":null,"approved_on":null},{"uin":"512N398V01","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"LIC official website","url":"https://www.licindia.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims settlement requirements","url":"https://licindia.in/web/guest/claims-settlement-requirements","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://licindia.in/web/guest/grievances","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"LIC's New Jeevan Dhara II (UIN 512N398V01), IndiaInsurances, https://indiainsurances.com/policy/lic/lic-s-new-jeevan-dhara-ii-512n398v01"}