Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeIndiaFirst life insurance product; the exact plan is identified in the product title and policy document (retirement/annuity, savings, protection or unit-linked plan as applicable).View source
Each linked official brochure, customer information sheet or policy document identifies IndiaFirst Life as the life insurer; the plan-specific benefits remain in the product facts and tables.
- Source
- IndiaFirst Life official product documents
- Page / section
- Product title, policy schedule and insurer identification
- Accessed
- 31 Aug 2026
- Confidence
- high
InsurerIndiaFirst Life Insurance Company Limited.View source
The linked official IndiaFirst Life policy documents identify IndiaFirst Life Insurance Company Limited as the insurer.
- Source
- IndiaFirst Life official product documents
- Page / section
- Insurer name on the linked policy/brochure documents
- Accessed
- 31 Aug 2026
- Confidence
- high
Entry ageRegular premium: 25 to 55 years; limited premium: 25 to 70 years; single premium: no minimum to 75 yearsView source
The eligibility table publishes entry ages by premium option.
- Source
- IndiaFirst Guaranteed Retirement Plan
- Page / section
- Eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
Maturity age40 to 80 yearsView source
The official table lists minimum and maximum age at maturity.
- Source
- IndiaFirst Guaranteed Retirement Plan
- Page / section
- Eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
Sum insured / coverRegular or limited premium: minimum ₹5,00,000; single premium: minimum ₹1,00,000. No fixed maximum is published; final sum assured is subject to underwriting.View source
The current page publishes the regular/limited and single-premium minimum sum-assured rows and states that final issuance is subject to underwriting.
- Source
- IndiaFirst Guaranteed Retirement Plan — Bank of Baroda official product page
- Page / section
- Eligibility and sum-assured table
- Accessed
- 31 Aug 2026
- Confidence
- high
BenefitsGuaranteed returns, growing retirement corpus, and tax treatment stated under Sections 80CCC and 10(10D), subject to applicable lawView source
The benefits section lists these plan attributes.
- Source
- IndiaFirst Guaranteed Retirement Plan
- Page / section
- Benefits
- Accessed
- 21 Aug 2026
- Confidence
- high
Retirement-plan benefitsIndiaFirst Guaranteed Retirement Plan offers guaranteed returns, a growing retirement corpus with bonuses in later years, regular/
The official Benefits section lists the return, premium and tax features.
- Source
- IndiaFirst Guaranteed Retirement Plan
- Page / section
- Benefits
- Accessed
- 23 Aug 2026
- Confidence
- high
Retirement-plan age limitsEntry age is at least 25 years for regular or limited premium and has no minimum for single premium. Maximum entry age is 55 years for regular premium, 70 years for limited premium and 75 years for single premium. Maturity age is 40 to 80 years at the end of the plan term.View source
The official Eligibility table publishes the premium-mode age bands and maturity range.
- Source
- IndiaFirst Guaranteed Retirement Plan
- Page / section
- Eligibility
- Accessed
- 23 Aug 2026
- Confidence
- high
Retirement-plan sum assuredMinimum sum assured is ₹5 lakh for regular and limited premium and ₹1 lakh for single premium; the maximum is not capped, subject to underwriting.View source
The official Eligibility table publishes the minimum and underwriting-based maximum.
- Source
- IndiaFirst Guaranteed Retirement Plan
- Page / section
- Eligibility
- Accessed
- 23 Aug 2026
- Confidence
- high
Waiting / lien periodNot applicable. The official Customer Information Sheet explicitly marks the waiting/lien period as not applicable; the policy's grace and revival rules remain separate payment conditions.View source
The table marks ‘Waiting / lien Period, if any’ as ‘Not Applicable.’
- Source
- IndiaFirst Life Guaranteed Retirement Plan — Customer Information Sheet ( 143N026V02)
- Page / section
- Page 1, Waiting / lien Period
- Accessed
- 29 Aug 2026
- Confidence
- high
Key exclusionsFor suicide within 12 months from commencement of risk or revival, the nominee receives at least 80% of total premiums paid or the surrender value, whichever is higher, provided the policy is in force.View source
The states the 12-month suicide exclusion and higher-of-80%-of-premiums-or-surrender-value benefit.
- Source
- IndiaFirst Life Guaranteed Retirement Plan — Customer Information Sheet ( 143N026V02)
- Page / section
- Page 1, Exclusions / Suicide Exclusions
- Accessed
- 29 Aug 2026
- Confidence
- high
Policy loanA policy loan may be available up to 80% of the available surrender value; the minimum loan amount published in the Customer Information Sheet is ₹50,000.View source
The states that a loan can be taken up to 80% of available surrender value and gives ₹50,000 as the minimum loan amount.
- Source
- IndiaFirst Life Guaranteed Retirement Plan — Customer Information Sheet ( 143N026V02)
- Page / section
- Pages 2–3, Policy loan
- Accessed
- 30 Aug 2026
- Confidence
- high
Premium grace period30 days for quarterly, half-yearly and yearly premium modes; 15 days for monthly mode.View source
The table distinguishes a 30-day grace period for non-monthly modes from 15 days for monthly mode.
- Source
- IndiaFirst Life Guaranteed Retirement Plan — Customer Information Sheet ( 143N026V02)
- Page / section
- Pages 2–3, Grace period
- Accessed
- 30 Aug 2026
- Confidence
- high
Free-look period30 days from receipt of the policy document. A cancellation refund is processed within 7 days after deductions specified in the CIS.View source
The publishes a 30-day free-look period and says the refund is processed within 7 days after permitted deductions.
- Source
- IndiaFirst Life Guaranteed Retirement Plan — Customer Information Sheet ( 143N026V02)
- Page / section
- Pages 2–3, Free-look cancellation
- Accessed
- 30 Aug 2026
- Confidence
- high
Geographic limitsGuaranteed returns, growing retirement corpus, and tax treatment stated under Sections 80CCC and 10(10D), subject to applicable lawView source
The manually reviewed product record states: “Guaranteed returns, growing retirement corpus, and tax treatment stated under Sections 80CCC and 10(10D), subject to applicable law”.
- Source
- IndiaFirst Guaranteed Retirement Plan — official product page
- Page / section
- Published product metadata
- Accessed
- 21 Aug 2026
- Confidence
- high
Benefits and features
- Guaranteed returns, growing retirement corpus, and tax treatment stated under Sections 80CCC and 10(10D), subject to applicable law
Eligibility
- Entry age is at least 25 years for regular or limited premium and has no minimum for single premium. Maximum entry age is 55 years for regular premium, 70 years for limited premium and 75 years for single premium. Maturity age is 40 to 80 years at the end of the plan term.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Completed proposal/application form and personal statement; IndiaFirst may request reports or other underwriting information.
- For revival: written revival request, all unpaid premiums, declaration of good health and a medical examination if required.
- For a claim: written claim intimation, signed claimant/nominee statement, -code death certificate where applicable and the original policy document.
- For a claim: proof of age if not admitted, or Form 60, photo identity/
address proof, bank passbook and cancelled cheque. - For an unnatural-death claim: MLC//Panchnama/inquest/final viscera/post-mortem reports and hospital records where applicable.
Related official documents
IndiaFirst Guaranteed Retirement Plan — Bank of Baroda official product pageofficial-product-page · current · accessed 30 Aug 2026
↗IndiaFirst Life Guaranteed Retirement Plan — Customer Information Sheet (UIN 143N026V02)official-customer-information-sheet · current · accessed 29 Aug 2026
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