Disclosure Of Underwriting Philosophy

Disclosure Of Underwriting Philosophy

Disclosure of Underwriting Philosophy of offering insurance coverage to People with Disabilities and People affected with HIV/AIDS and Mental illness Diseases

Our Board approved underwriting policy specifies that no discrimination is allowed against applicants with physical disabilities, affected with HIV/AIDS, or mental illness, and that we will take the necessary steps in assessing the risk (consulting medical practitioners or re-insurers in line with the product specific guidelines) to offer the best terms to cover the risk on lives with these disabilities. Recognising the rights of the person suffering of these disabilities, the communication of the medical condition and the underwriting requirements/decision will be done with utmost sensitivity and confidentiality.


For more details on risk factors, terms, and conditions please read the sales brochure carefully before concluding a sale.  

*Tax Benefits:  
Tax benefits are as per Income Tax Laws & are subject to change from time to time. Please consult your Tax advisor for details.  
You are eligible for Income Tax benefits/exemptions as per the applicable income tax laws in India, which are subject to change from time to time.

IRDAI Regn No: 128  
CIN No : U66010TG2005PLC045616 of the Company

The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”


  • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.