General Information

Welcome to SumAssured.in (“Website”, “we”, “us” or “our”). The Website provides educational and informational content relating to insurance, personal finance, savings, investments and related financial topics.

The content published on this Website is intended to help readers understand financial concepts in a simple and accessible manner.

Every individual’s financial circumstances, income, liabilities, objectives, risk tolerance and insurance requirements are different. Information that may be appropriate for one person may not be appropriate for another.

Accuracy, Completeness & Updates

We make reasonable efforts to publish information that is accurate and useful at the time of publication. However, insurance products, premiums, regulations, tax provisions, interest rates and financial products can change over time.

Accordingly, SumAssured.in does not guarantee that every piece of information will always be complete, accurate, current or error-free.

• Product features may change.
• Premiums and benefits may be revised.
• Government rules may change.
• Tax provisions may change.
• Regulatory requirements may be updated.
• Historical information may no longer reflect current conditions.

Insurance Product Information

SumAssured.in may publish information about life insurance, health insurance, general insurance and other insurance products.

This may include:

• Product features and benefits
• Eligibility conditions
• Premium-related information
• Policy terms and conditions
• Riders and optional benefits
• Exclusions
• Maturity and death benefits
• Loan and surrender provisions
• Tax-related information
• Historical bonuses or returns
• Product comparisons
• Illustrations and examples

Such information is provided for educational purposes and should not replace the official product documentation issued by the insurer.

LIC & Other Insurance Companies

SumAssured.in may publish articles relating to Life Insurance Corporation of India (LIC) and other insurance companies.

References to LIC, insurers, insurance plans, product names, trademarks, logos or other intellectual property belong to their respective owners.

Unless specifically stated otherwise, publication of information about an insurer or its product on SumAssured.in does not imply endorsement, sponsorship, partnership or official association with that insurer.

Regulatory & Official Status

SumAssured.in is an independent informational website. Unless expressly stated otherwise, it is not an official website of the Government of India, IRDAI, LIC, any insurance company, bank, mutual fund company or other financial institution.

The Insurance Regulatory and Development Authority of India (IRDAI) regulates and supervises the insurance sector in India.

Readers should use official regulatory and government sources for authoritative information about laws, regulations, circulars and regulatory requirements.

Calculators & Financial Tools

SumAssured.in may provide calculators and interactive tools including insurance requirement calculators, Human Life Value calculators, premium estimators, compound-interest calculators, SIP calculators, inflation calculators, retirement calculators and loan calculators.

Actual results may differ because of product-specific rules, underwriting, charges, taxes, market conditions, assumptions and individual circumstances.

Investment & Return Information

Where SumAssured.in discusses investments, returns, bonuses, interest rates, market-linked products, historical performance or projected values, such information should not be interpreted as a promise or guarantee of future performance.

Past performance does not guarantee future results. Market-linked investments may be subject to market risks and may result in gains or losses.

Tax Information

Tax-related information published on SumAssured.in is intended only for general educational purposes.

Tax laws and regulations may change, and their application can depend on an individual’s circumstances. Nothing on this Website should be treated as personalised tax advice.

For important tax decisions, readers should consult a qualified tax professional or refer to the latest official provisions and notifications.

Advertisements

SumAssured.in may display advertisements through third-party advertising networks.

Advertisements may be selected or served automatically by advertising platforms based on various factors. The presence of an advertisement on SumAssured.in does not necessarily constitute an endorsement or recommendation of the advertised product or service.

Users should independently evaluate any product or service before making a purchase or financial decision.

Affiliate & Commercial Links

Some pages or articles may contain affiliate links, referral links or other commercial links.

Where applicable, SumAssured.in may receive a commission or other compensation if a visitor takes a qualifying action through such a link.

Commercial relationships do not change the importance of presenting information clearly. Nevertheless, readers should independently verify product information before acting upon it.

External Websites & Links

The Website may contain links to third-party websites including insurers, government authorities, regulators, banks, financial institutions and other websites.

These links are provided for convenience and additional information. SumAssured.in does not control the content, availability, privacy practices, security or accuracy of third-party websites.

A link to an external website should not automatically be interpreted as an endorsement or recommendation.

Limitation of Liability

To the maximum extent permitted by applicable law, SumAssured.in and its owners, authors, contributors and associated parties shall not be responsible for any loss, damage or consequence arising directly or indirectly from reliance on information published on the Website.

This may include, without limitation:

• Financial loss
• Investment loss
• Loss of opportunity
• Loss resulting from an insurance decision
• Consequences of outdated or incomplete information

Nothing in this Disclaimer is intended to exclude liability where such exclusion is prohibited by applicable law.

Intellectual Property

Unless otherwise stated, original articles, graphics, calculators, layouts and other materials created for SumAssured.in are protected by applicable intellectual-property laws.

Third-party trademarks, product names, logos and other intellectual property remain the property of their respective owners.

Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our Website, services, applicable laws, regulations or industry practices.

The latest version will be published on this page with the updated date.

Contact Us

If you have questions regarding this Disclaimer, notice an error in our content, or would like to request a correction, please contact us through the contact information available on SumAssured.in.