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Niniejszym powiadamiam o mojej decyzji zakończenia umowy dotyczącej usługi Indiafirst Life Insurance.
To powiadomienie stanowi zdecydowaną, jasną i jednoznaczną wolę rozwiązania umowy, ze skutkiem w najbliższym możliwym terminie lub zgodnie z obowiązującym terminem umownym.
Proszę o podjęcie wszelkich niezbędnych działań w celu:
– zaprzestania wszelkich rozliczeń od daty skutecznego rozwiązania;
– pisemnego potwierdzenia prawidłowego przyjęcia niniejszego wniosku;
– oraz, w razie potrzeby, przesłania końcowego rozliczenia lub potwierdzenia salda.
Niniejsze rozwiązanie jest Państwu przesłane certyfikowanym e-listem. Wysyłka, oznaczenie znacznikiem czasu i integralność treści są ustalone, co czyni go dowodem pisemnym spełniającym wymogi dowodu elektronicznego. Mają Państwo zatem wszystkie niezbędne elementy do regularnego przetworzenia tego rozwiązania, zgodnie z obowiązującymi zasadami dotyczącymi pisemnego powiadomienia i swobody umów.
Zgodnie z zasadami dotyczącymi ochrony danych osobowych, proszę również o:
– usunięcie wszystkich moich danych niepotrzebnych do Państwa zobowiązań prawnych lub księgowych;
– zamknięcie wszelkich powiązanych paneli osobistych;
– oraz potwierdzenie skutecznego usunięcia danych zgodnie z obowiązującymi prawami dotyczącymi ochrony prywatności.
Zachowuję pełną kopię tego powiadomienia oraz dowód wysyłki.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the limitations inherent to any dematerialized sending service, even when it is timestamped, tracked and certified. The guarantees concern the sending and technical proof, but never the behavior, diligence or decisions of the recipient.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of the content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent a contestation by the recipient regarding the legal scope of the mail.
Cancellation IndiaFirst Life Insurance: Easy Method
What is IndiaFirst Life Insurance
Overview
IndiaFirst Life Insurance is a life-insurance provider in India offering term plans, savings plans, ULIPs, and group products aimed at protecting families and building long-term savings.
The company distributes products through branches, advisors, and online channels and follows IRDAI-regulated consumer protections such as free-look and grievance processes.
Who it is for
Products serve individuals seeking pure life cover, savings or investment-linked solutions, and employers seeking group superannuation benefits.
Policy features and pricing vary by plan, age, sum assured, and payment mode; many customers buy policies online or via agents.
How to cancel IndiaFirst Life Insurance
Using the free-look right (recommended first step)
- Within the free-look period, send a written request stating reasons and return the original policy document (electronic or physical).
- Free-look period: generally 30 days for most retail plans; 15 days for certain group plans or older issuances - check your policy schedule.
Other cancellation routes
- Raise a formal request via the Customer Portal (QRC) or email customer.first@indiafirstlife.com with policy number and reason.
- Call customer care at 1800-1209-18700 or submit a signed request at a branch; escalate to grievance.redressal@indiafirstlife.com if needed.
What happens when you cancel
Access and policy status
On cancellation within the free-look period, the insurer treats the policy as void and stops cover from the date of issue as applicable.
For cancellations after free-look, consequences depend on plan type (surrender, discontinuance, or lapse rules may apply).
Data and renewals
Your personal and policy data remain with the insurer per regulatory retention rules and privacy policy; request specifics from the company if required.
If you later want cover, you must apply for a new policy subject to underwriting and prevailing premiums; auto-renewal is not applicable after valid cancellation.
Will I get a refund?
General refund rules
If you cancel within the free-look period for most life and term plans, you are entitled to a refund of premium paid.
Refund = premium paid less pro-rata risk premium, stamp duty, and any medical examination expenses (if applicable).
Plan-specific timing and exceptions
- Elite Term Plan and certain savings/ULIP plans: refunds processed within 7 days of receipt of a valid cancellation request during free-look.
- ULIP Term with ULIP: refund includes non-allocated premium plus fund value, adjusted for pro-rata mortality charge, stamp duty, and medical exam expenses.
- Group Superannuation: free-look usually 15 days; refund equals contribution paid less pro-rata risk premium and stamp duty.
IndiaFirst Life plans and pricing
Pricing summary table
| Plan | Price | Period | Features |
|---|---|---|---|
| IndiaFirst Life Elite Term Plan (example) | ₹26,344 | Annual (Year 1) | ₹1 Cr cover; online 10% first-year discount; price inclusive of GST (example: 42‑year‑old male) |
| IndiaFirst Life Elite Term Plan (example) | ₹29,272 | Annual (Year 2 onwards) | Regular annual premium inclusive of GST (example continued) |
| IndiaFirst Life Plan (minimum premiums) | Monthly ₹100; Half‑Yearly ₹500; Yearly ₹1,000; Single ₹5,000 | Per payment frequency | Minimum acceptable premiums per payment mode |
| IndiaFirst Anytime Plan (example) | ₹9,214 | Annual (regular pay) | ₹1 Cr, 30‑year term, non‑smoker example (regular pay) |
Notes on pricing
Most premiums are personalised and calculated using age, sum assured, term, smoking status, and other factors.
Examples above are indicative. For exact premium quotes use the official premium calculator or contact customer care.
Your consumer rights in India
Free-look and refund rights
- Free-look typically 30 days for most retail policies; 15 days for some group policies or policies issued earlier - confirm on your policy schedule.
- During free-look you can cancel and obtain refund subject to deductions (pro‑rata risk premium, stamp duty, medical exam costs).
Grievance redressal and escalation
- STEP 1: Raise grievance via Customer Portal (QRC), email customer.first@indiafirstlife.com, phone 1800-1209-18700, or branch. Expect a written response within 14 - 15 days.
- STEP 2: If unresolved, escalate to Grievance Redressal Officer at grievance.redressal@indiafirstlife.com or contact the branch (named contact: Ranjish Kumar).
- STEP 3: If still unresolved after insurer reply, approach IRDAI/IGCC or register on national grievance platforms; IRDAI helplines include 155255 or 18004254732.
- STEP 4: If insurer rejects a complaint, you may approach the Insurance Ombudsman within one year of rejection with a signed complaint.
Customer experiences
Positive feedback highlights
Some customers report smooth policy purchase experiences and appreciation for premium-refund options acting as backup savings.
There are reports of quick, hassle-free claim settlements and satisfactory turnaround times in some cases.
Negative feedback themes
Other customers report poor communication, delays, or difficulties with customer service and claims processing in certain cases.
Complaints include alleged miscommunication by agents and dissatisfaction with responsiveness; escalate unresolved issues via the grievance process above.
Documentation checklist
Documents to include with a cancellation request
- Original policy document or electronic policy copy reference number.
- Signed cancellation request or written letter stating reasons for cancellation.
- Copy of insured’s identity proof (Aadhaar, PAN, passport, or other ID as required).
Banking and medical documents
- Bank account details (cancelled cheque or bank mandate) for refund NEFT/IMPS credit.
- Any medical examination receipts if the refund calculation needs reimbursement of these costs.
- For group or nominee-related matters, provide employer or nominee documentation as applicable.
Common mistakes
Missing or incomplete requests
Submitting unsigned letters, omitting policy number, or failing to return the original policy can delay cancellation and refund processing.
Always include clear reasons and the correct contact/bank details to speed up the refund.
Assuming automatic refunds or cover termination
Do not assume an auto-refund without confirmation; follow up and obtain written acknowledgement of receipt and refund timeline.
Also, cancelling after free-look may lead to surrender or lapse rules rather than a simple refund - check your policy terms.
Comparative recap
At-a-glance comparison
| Feature | Retail life / Term plans | Group Superannuation | ULIP / Term with ULIP |
|---|---|---|---|
| Free-look period | 30 days (generally) | 15 days | 30 days |
| Refund amount | Premium minus pro‑rata risk premium, stamp duty, medical exam expenses | Contribution paid less pro‑rata risk premium and stamp duty | Non‑allocated premium + fund value minus pro‑rata mortality charge, stamp duty, medical exam expenses |
| Refund timing (free-look) | Within 7 days for some plans; confirm on policy | As per communication; typically within similar timelines | Usually processed within 7 days for listed ULIP/linked plans |
| Key action | Return policy with reasons; contact customer care | Submit cancellation via employer/HR and insurer | Return policy and request fund value settlement; expect fund adjustment |
How to choose next steps
If within free-look, cancel and claim refund. If outside free-look, review surrender/paid-up options or speak to the insurer for alternatives.
Use the grievance escalation process if you face delays or disputes over refunds or claim settlement.
After cancelling
Follow-up actions
- Obtain written acknowledgement with expected refund timeline and tracking details for the repayment.
- If refund is delayed beyond the stated timeline, escalate to the Grievance Redressal Officer using the contact details above.
Helpful links and contacts
Company website for policy information and contact: IndiaFirst Life Insurance.
Customer care email: customer.first@indiafirstlife.com. Grievance email: grievance.redressal@indiafirstlife.com. Phone: 1800-1209-18700.
Address
Registered / Corporate address
12th and 13th Floor, North C wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai 400063, India.
How to send documents
Send signed cancellation requests and original policy documents to the branch or corporate address above by courier or in person as advised by customer care.
Keep copies and tracking receipts for your records and follow up with customer care for acknowledgement and refund updates.