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Frequently Searched terms
  • How can I revive my policy?

    Revival of a policy depends upon the following factors:

    • Scope of Revival: The policy can be revived on the day the Insurance Company receives a written request.
    • Product Undertaken (Term/ Others): The policy can be revived until a maximum of 3 years from the last due date of renewal payment of the policy. It also depends on the nature of the product.
    Grid > 30 days up to 90 days >90 up to 180 days >90 up to 180 days > 180 days
    Requirement All Plans Term Plans Non Term Plans All Plans
    Renewal Premium Yes Yes Yes Yes
    DGH NA Yes NA Yes
    Late Fee Yes Yes Yes Yes

    *DGH -> Declaration of Good Health (document duly signed by a registered medical practitioner)
    *Lapse Period is calculated from the first unpaid premium date of the policy.

    The company however reserves the right to accept the revival on original terms or on modified terms or even reject the request for revival of a lapsed policy based on internal underwriting guidelines.

    For further details you may contact at any of our branches.

    Please Note:

    • In case the lapse period is less than 30 days, you may renew your policy without any interest charges.
    • If the lapse period exceeds 30 days, there is an interest on the reinstatement premium.
    • The policy will be revived as soon as the required amount is paid.
    • The process of revival can be initiated at any of the Future Generali branches. For more details, please contact the nearest branch.
  • In what event can my policy lapse?

    A policy can lapse if the premiums are not paid on time. However, in case there is a delay in paying the premium, you are entitled to a grace period of 15 days for monthly premium payment mode and 30 days for quarterly, half-yearly and annually payment mode for paying premium without any interest.

  • How can I avail a loan on a policy?

    You may avail a loan against a life insurance policy that has a Surrender Value. Please refer to your policy document for details on the minimum and maximum loan amount that you can avail. The policy loan can be taken for active policies (other than in grace period), any time after completion of three policy years.

    The loan will attract an interest on the outstanding amount at a rate declared by us from time to time (rate of interest will depend on the prevailing market conditions).