Form & Payments - Frequently Asked Questions

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  1. How can I obtain duplicate copy of the policy bond?

    Duplicate copy of the policy bond can be obtained by making a request at any of our braches. you will be required to submit a policy service form, along with letter of indemnity

  2. Can I transfer funds of the Policy?

    Funds of the Policy can be transferred in exception cases. Owner of the Policy can submit transfer of fund request at any of our branches detailing the reason for transfer of fund. We will evaluate the reason of such request and decide on transfer of the funds

  3. what are the various documents required for filling up the online application form?

    The documents required for filling the online application form are ID proof, Age proof, Residence Proof and Income Proof.

    The following documents are required for filling the online application form:
    1.ID proof
    2.Proof of Age
    3.Proof of Residence
    4.Proof of Income


  4. if I want to change the nominee during the policy term, what is the procedure?

    For the change of nominee, you need to submit a duly signed application along with ID proof of the nominee, in any of our branches or to your agent. A nomination form is also available to facilitate the same.

  5. what is the difference between appointee and nominee?

    Nominee is the person selected by the policyholder to receive the benefit in case of death of the Life Assured . He/she is capable of giving a valid discharge to the insurer on settlement of claim under a life insurance policy. In case the nominee is less than 18 years of age, he/she is considered as a minor who is legally incompetent to enter into a contract and therefore, ineligible to receive claims directly. In such a case, the policyholder is required to provide an Appointee to complete the legal formalities.

  6. why is an appointee required if I wish to nominate my child as nominee?

    An appointee is required when nomination is in favour of a minor. A minor cannot give a valid discharge to an insurance company, hence we require the details of an appointee (who is a major) to receive the proceeds of the policy in lieu of the minor. You can nominate only one person as an appointee and the appointee should be in your immediate blood relation or your spouse.

  7. do I have an option to nominate multiple nominees?

    A nominee is the person who receives the proceeds of an insurance policy in the event of death of the life assured. Currently, at the time of issuance of online policy, you can nominate only one person and the nominee should be in your immediate blood relation, for instance your father, mother, brother, sister, children or your spouse. However, you can visit the branch with a written request for nominating multiple nominees after receipt of the policy documents.


  8. should I include my sibling details while filling up the family details in the online application form?

    Please mention the details of your parents, siblings and spouse with their correct age and health status.

  9. My salary is confidential, why should I need to mention it in the proposal form?

    The amount of insurance cover a person is eligible for, is a function of his/her present earning capacity. Your annual income determines the maximum amount of insurance that we can provide you. You can be assured that the information submitted by you will be treated as confidential and will be used by us only to assess the insurance cover requested by the life assured in the proposal form.

  10. I've a previous medical history, which I have accepted under the medical and health records. what information would you require of my previous medical history?

    We require details about your medical condition, the diagnosis and treatment records from the hospital and the medication administered to you during the same period. If you are currently under medication kindly mention the same. Please upload the records of your treatment and diagnosis with your other documents.

  11. is medical test compulsory in life insurance?

    Medical tests are part of risk assessment of an individual. Therefore such requirements are raised by the company depending on the age, sum assured and health factors of an individual in consideration.

  12. I am salaried and also have a practice of my own. Should I select multiple options under occupation?

    Please select the occupation that reflects a larger percentage of your income or the one that requires more working hours from you.

  13. My name has changed after marriage. All my supporting documents are available in my maiden name. In this case, do you advise filling the form in my maiden name?

    Please mention the name in the same manner in which you want your name on the policy document. The company would prefer that you exercise your discretion in this matter. In this case, you may submit a written declaration stating your maiden name and your name after the marriage, along with the documents which contain your maiden name.

  14. can I provide a different address as correspondence and permanent address? Where will all the communication regarding my policy be sent?

    Yes. You can provide a different correspondence and permanent address. All the policy related communication will be sent to your correspondence address.

  15. what is the procedure for changing address or contact details ?

    For the change in address, we will need an application duly signed or an email from your registered email id and an address proof in the name of the policyholder. For the change in contact details, you can mail us on from your registered email id or call us on our toll free number. We will register your new contact details after proper verification.

  16. what is the difference between proposer and life assured?

    Proposer is the one who proposes the policy and is thus the owner of the policy. Life Assured is the one whose life is insured and is not necessarily the Proposer. The Proposer and Life Assured can be one and the same person or two different persons.

  17. what is the meaning of death benefit and who is the nominee?

    Nominee is the person selected by the policyholder to receive the benefit in case of death of the life insured thus giving a valid discharge to the insurer on settlement of claim under a life insurance policy. In case of death of the Life Assured, the benefits mentioned in the policy is given to the Life Assured's nominee thereby protecting the family against any financial loss. In case of death of the Life Assured, the benefits mentioned in the policy are given to the Life Assured's nominee which is usually an immediate family member, thereby protecting the family against any financial loss. This is known as the Death Benefit.

  18. what is the difference between policy term and premium payment term?

    Policy term is the number of years for which Life Assured's life is covered by insurance. Premium Payment term is the number of years for which policyholder wishes to pay premium to the company. There are a lot of options available to the customers depending on the type of plan they select, like Single PPT, Limited PPT and Regular PPT.

  19. If the webpage becomes unresponsive while filling the online form, will the filled data get saved?

    After giving your personal details, your information is saved automatically. A temporary application ID will be generated and sent to you on your email ID. Within 30 days of saving the form, you can fill in the remaining details and complete the application process.

  20. how can I restore my application if my session expires during the application filling process?

    The session does not expire. This is done so that customers can fill in the details at their own convenience.

  21. how can I rectify the mistake made in filling out the online form after the pdf is generated?

    If there is any mistake in the PDF generated then you have an option to go back and rectify the mistake. A new PDF will be generated after you have made the necessary changes.

  22. what is the maximum size (in mb) of a photograph which can be uploaded? Can a black & white photograph be uploaded?

    The maximum acceptable size of the photograph is 10 MB. Only a recent passport size colour photograph is acceptable for your application process.

  23. I don't have a scanning facility at my end. What is the alternative available?

    There are three simple ways to share your documents with us. 
       1.    WhatsApp – Click a photo of your documents and send it through WhatsApp to 7666194400 
       2.    Scan and Mail - Scan your documents and mail it to us at . 
       3.    Click and Mail – Click a picture of your documents from your mobile and mail it to us at 

    You can send us the documents through any of the above modes.

  24. will I get a copy of proposal form?

    Yes, after the successful completion of the application form, a PDF file will be generated consisting of the details that you have filled online. You can save this file for your future reference.

  25. can I save the application form? for how many days is it available?

    The application form gets automatically saved every time you click on the "Next" button. There is also a manual option to save the form so that you need not fill the details all over again. A temporary application ID will be generated and sent to you on your email ID. Within 30 days of saving the form, you can fill in the remaining details and complete the application process.

  26. how will my medical check-up be arranged if I am filling an online form and who will organize it?

    The medical check-up will be arranged by the company after the receipt of the documents and premium payment. The Third Party Administrator will call you and fix an appointment for the earliest possible date. Medical check-up is an essential part of the application process and can be done anywhere in India as per your convenience. It can also be done at your residence or office.

  27. will there be a unique id for future reference when I fill the online application form?

    There will be a unique application number generated as soon as you successfully complete the online application form. This unique application ID will be used for your future reference.

  28. will I get any personal assistance on online policy? Who will be my contact point for any further queries?

    Provision for personal assistance is available only if you request operator assistance. You can click on the "Request Operator Assistance" button and leave your number to get a call from us. Once you purchase a policy, an exclusive DSE (Dedicated Support Executive) will be assigned as soon as your application is filled successfully. You will receive an email stating the details of the DSE who can be directly contacted for any guidance and further assistance.

  29. where and how do I give a request for effecting any changes?

    You can contact your agent or go to the branch for any change in information. You can also call us on our toll free number or mail us on if you need any assistance.

  30. My account is debited, but I haven’t got the success message on the screen.

    You will need to write an email to with the transaction ID and date of payment. Please mention your full name and email ID (which you have used in the online application form). Post verification of your payment, we will proceed with processing your application form and notify you regarding any further action required from your end.

  31. what should I do if my payment transaction fails?

    In case your payment transaction fails, you will be returned to the payment screen where you can choose a different payment instrument to make the premium payment. You don't need to fill the application form again.

  32. what are the various payment options available to make the payment online?

    The payment can be made by Credit card, Debit card and Net Banking (45+ Banks). After you have made the payment, a transaction receipt will be sent to you by email for future reference.

  33. Is change in the mode of premium payment allowed?

    Change in premium payment mode is allowed on Policy Anniversary for active policies.

  34. What is ecs and how to apply for ecs facility?

    ECS is Electronic Clearing Services where the customer premium amount is automatically deducted from the customer's bank account on the particular due date or draw date provided by the customer. The customer need not remember the due date everytime as ECS is automatically deducted, thereby reducing the chances of lapse of policy. To apply for ECS facility, the policyholder needs to provide the ECS mandate form and a cancelled cheque to the company along with advance premium.

    Note: ECS has been replaced by NACH(National Automated Clearing House). Existing ECS mandates will now be moved to the NACH platform, in partnership with the participating banks. However, no intervention from investors will be necessary in this regard.