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Admission of Age :


Age is the main basis for calculation of premium under life insurance policies. The following are accepted Standard age proofs as evidence of age:

School Certificate

Certified Extract from Municipal or Other records made at the time of birth.

Certificate of Baptism or certified extract from family Bible, if it contains age or date of birth.

Certificate Extract from service register, in case of Government Employees and Employees of Quasi-Government, Institutions and certificates from Commercial Institutions and industrial undertakings provided conclusive evidence of age was produced at the time of recruitment of the employee.

Identity Cards (provided date of birth is mentioned therein) issued by Government, Quasi-Government, reputed commercial and industrial undertakings to their employees.

Payment of Premium:


By cash, local cheque (subject to realization of cheque), Demand Draft at Branch Office.

The DD and cheques or Money Order may be sent by post.

Premiums can be paid at any of our Branches as all our Branches are connected through network.

Days Of Grace:


Policyholder should pay the premiums on due date. However, a grace period of one month but not less than 30 days will be allowed for payment of yearly/half-yearly/quarterly premiums and 15 days for monthly premiums.

When the days of grace expire on a Sunday or a public holiday, the premium may be paid on the following working day to keep the policy in force.

If the premium is not paid before the expiry of the days of grace, the policy lapses.

For all Term /ULIP plans, please refer policy conditions.

Revival of Lapsed Policy:


If the policy has lapsed, it can be revived during the life time of the life assured but before the date of maturity subject to certain conditions.

For plans issued after 01.01.2014, the policy can be revived within two years from the date of FUP and before date of maturity.

Request for revival may be made to the Branch Office servicing the policy.

KYC requirements will be required to be submitted.













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