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Ask an Expert to Buy Life Insurance
We're happy to know that you're prioritizing your family's future. Our life insurance expert will assist you in finding the best insurance plan. To schedule a call, please share some of the below details.
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For any of your ULIP funds:
Go to the fund performance page within our website. Click here to access the page.
Select the product or fund against which you wish to view the details.
Fund details such as NAV, returns, and fund size will be showcased within the page.
To check the fund value of your policy:
Log in to the customer portal by clicking here.
Select the “policies” module within the left menu.
Check details under the “Fund Details/Fund Value Subscription” section within the details of the policy showcased.
ONLINE:
Access the Switch Funds module within the customer portal by clicking here. You can edit your existing portfolio using this feature.
If you wish to redirect your future investments towards a different set of funds, you can click here to access the premium redirection module.
Select the ULIP policy you would like to switch funds and select ‘Edit Fund Allocation’.
EMAIL US: customer.first@indiafirstlife.com
Drop a mail from your registered email ID.
CALL US: 1800 209 8700 (toll-free)
Call from your registered phone number.
VISIT US:
Step into any of our IndiaFirst Life, Bank of Baroda or UBI branches.
Download the Fund Switch Form by clicking here.
POST OR COURIER:
Send the duly filled Fund Switch form to the below address:
The Policy Servicing Team,
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center,
Western Express Highway,
Goregaon (East), Mumbai – 400063.
Below are a few ways you can reach out to us with your policy-related queries or concerns.
ONLINE:
Log in to the Customer Portal by clicking here.
Navigate to the QRC (Queries, Requests and Complaints) section.
Raise the request/complaint.
EMAIL US:
For Service Requests - customer.first@indiafirstlife.com.
For Claims - claims.support@indiafirstlife.com,
CALL US:
1800-209-8700 - Dial our toll-free number from Monday to Saturday between 9am to 7pm.
+912262749898 - NRI customers can reach out to us on this number.
To contact Grievance Redressal officers in your city - click here.
MAIL/COURIER:
Customer Care
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center, Western Express Highway,
Goregaon (East), Mumbai – 400063
You can expect a reply within 15 calendar days from the day of us receiving your communication.
You can view our Grievance Redressal Policy here.
You can visit the nearest branch of IndiaFirst Life branch for any questions about your policy. Additionally, you can access policy-related services at branches of Bank of Baroda or Union Bank of India.
Click here to locate an IndiaFirst Life branch near you.
We’re here to help 24x7. You can use any of the following methods to register your complaints.
ONLINE:
Log in to the Customer Portal here.
Navigate to the QRC (Queries, Requests and Complaints) section.
Raise the request/complaint.
EMAIL US:
For Service Requests: customer.first@indiafirstlife.com
For Claims: claims.support@indiafirstlife.com
CALL US:
1800-209-8700 = from Monday to Saturday between 9am to 7pm.
+912262749898 - NRI customers can reach out to us on this phone number.
VISIT US:
Step in to any of our IndiaFirst Life branch and submit your grievances. Locate the nearest branch here.
Click here to contact our grievance redressal officers in your city.
MAIL/COURIER:
Write to us at the address mentioned below:
Customer Care
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center, Western Express Highway,
Goregaon (East), Mumbai – 400063
Upon receival of complaint, we will write back to you with reasons for redressal/rejection, within 15 calendar days from its receipt.
You can go through our Grievance Redressal Policy here.
After your initial communication of grievance, a reply citing either a reason for rejection or a redressal will be sent to you within 15 days. If the customer does not respond to it within 8 weeks of receipt of this communication, the complaint will be closed.
If you are not satisfied with our resolution provided or have not received any response to your initial communication within 15 days, you may approach our Grievance Officer at any of our branches. You may also may write to our Grievance Redressal Officer at grievance.redressal@indiafirstlife.com.
An acknowledgement to all such grievances received will be sent within 3 working days of receipt of the grievance.
You may also mail or courier us using the following address:
Rajnish Kumar
Grievance Redressal Officer
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center, Western Express Highway,
Goregaon (East), Mumbai – 400063
Please quote your Complaint/Service Request ID. It would have been provided to you on your registration of your complaint.
We hope to provide appropriate redressals for all your grievances. Upon any dissatisfaction with the response or non-receival of a response from us within 15 days, you may approach the Grievance Cell of the Insurance Regulatory and Development Authority of India (IRDAI).
IRDAI Grievance Call Centre (IGCC) TOLL FREE NO: 18004254732
Fax No: 91- 40 – 6678 9768
Email ID: complaints@irda.gov.in
You can also register your complaint online at: http://www.igms.irda.gov.in/
Alternatively, you can write to them at:
Consumer Affairs Department
Insurance Regulatory and Development Authority of India,
Sy. No. 115/1, Financial District, Nanakramguda
Gachibowli, Hyderabad- 500032, Telangana
Upon dissatisfaction with the resolution or upon seeing no solution to your problem, you may then directly approach the Insurance Ombudsman here via the preferred method of communication.
The complaint should be written down and should be duly signed by the customer/complainant or by their legal heirs. It should contain complete details of the complaint and the contact information of customer/complainant.
As per provision 13(3) of the Redressal of Public Grievances Rules 1998, the complaint to the Ombudsman can be made:
Only if the grievance has been rejected by the Grievance Redressal Machinery of the Insurer.
Within a period of one year from the date of rejection by the insurer.
If it is not simultaneously under any litigation.
Visit www.indiafirstlife.com, click on ‘customer login’, and sign in with your mobile number, email, or policy number. You'll get a one-time password (OTP) to view all your policy details.
Click here to directly access the link for customer portal.
It is a unique 8-digit number generated when you buy a policy.
If you have a policy with IndiaFirst Life, visit www.indiafirstlife.com and log in to check your policy under the "My Policies" section.
Your IndiaFirst Life account will be ready once all the checks are completed, and your policy is issued.
There are currently no limitations on the log in attempts on the website. We recommend you have your relevant details handy for a smooth, hassle-free login process.
If you are experiencing issues with logging in to your IndiaFirst Life account, try again in sometime. If the issues persist, call 1800 209 8700.
You do not require passwords to access your IndiaFirst Life account. We use OTPs to allow you to access your account, hence removing any need to remember passwords.
Since the account does not use passwords for authentication, there is no risk of your account getting blocked due to excessive log-in attempts or wrong passwords.
We recommend you use the correct OTP sent to you on your registered mobile number and email ID to log in.
OTP for website log-in is sent only to the registered mobile number and email ID. If your contact details have changed, please get in touch with us to provide us with the updated details.
Log in to the customer portal with your mobile number or drop an email. You will get an OTP on your registered number and email for access without any password requirement.
Alternatively, you can call our toll-free number. Our customer service team can identify your policy number through registered contact, email ID, full name, and DOB.
Your client ID is a unique 8-digit number that lets you see all the policies linked to that specific ID.
If there is an issue with your date of birth or OTP, refresh the page and try entering the OTP again. If the issue persists, you can get in touch with our customer service team.
With the customer portal, you can manage your policy with easy processes. Below is the list of some available functionalities to make quick use of.
Fund Switch & Premium Redirection.
Download policy-related documents such as premium receipt, premium notice, and policy document.
Payment Frequency Change for Policies.
Update your Address.
Update Contact Details – Mobile/Email.
Add/Update Nominee.
Update PAN.
Update Bank Details.
Additionally, you can access the below details related to your policy.
Sum Assured.
Life Assured/Proposer details.
Accrued Bonus and Bonus Statement.
Premium Receipts/Certificates.
Unit Statements.
Track requests/queries.
Fund Value/Fund value SMS subscription.
Log in to the queries and requests module within customer portal here.
Under the “Raise a Request” section, enter the details of the request and submit it.
Follow these steps to track your requests via the customer portal.
Log in to the queries and requests module within customer portal here
Under “Track Requests”, check the details of the raised request to know its status.
To track your policy application, you can:
Open the tracking application page on the website by clicking here.
Enter relevant details, such as your application number/email/mobile number, along with your date of birth.
Click on ‘Proceed’ to get the status and the details of your application.
Here are the steps you can follow to track your requests raised against your policy.
Log in to the Customer Portal here.
Select the Requests module on the left side menu to open the Queries and Requests page.
Under “Track Requests” section, check the details of the raised request to know its status.
The claim process is initiated when you want to claim the benefits of your life insurance policy. It is usually carried out by the nominee or beneficiary.
Here is how you can initiate your claims process.
Step 1: Claim Registration
Online: https://www.indiafirstlife.com/claims/register-claim-online
Email: Share all the mandatory documents at claims.support@indiafirstlife.com
Call: 1800-209-8700 for assistance.
Visit Us: Drop soft/hard copies of required documents at any nearest IndiaFirst Life Branch or Bank of Baroda or Union Bank of India (UBI).
Courier: Send claim intimation and supporting documents to–
IndiaFirst Life Insurance Company Ltd.,
12th and 13th Floor, North [C] wing,
Tower 4, Nesco IT Park, Nesco Center,
Western Express Highway, Goregaon (East),
Mumbai – 400063
Step 2: Claim Assessment
Upon receival of the claims request, our team will thoroughly evaluate the claim details and notify you if there is any need for further information.
We will provide you with an acknowledgement letter containing a unique claim number for tracking the status.
All the information will be shared with you on your registered contact details through SMS/Email/Letters.
Step 3. Claim Settlement
After a comprehensive evaluation, you can expect a fair and timely decision on the claim from our end.
Turnaround Time (TAT) in Claims Process as stipulated by IRDAI for Death Claims:
Settlement or Rejection or Repudiation of claims where investigation is not required: Within 30 days from the receipt of the last necessary document.
Settlement or Rejection or Repudiation of claims where investigation is required: Investigation must conclude within 90 days from the date of the claim intimation, with settlement within 30 days thereafter.
Based on the type of claim being initiated, the documentation requirement may vary. Here is a look of some of the essential documents required based on the claim type.
Maturity Claims
A fully completed and signed claim intimation form.
Original policy documents.
Policyholder's PAN Card copy.
A cancelled cheque indicating the account number and policyholder's name, or a copy of the bank passbook.
NRI declaration (if applicable for NRIs).
Accidental / Suicidal Death
Postmortem Report and chemical viscera report.
FIR/Panchnama/Inquest Report along with the final investigation report.
Copy of driving license if the Life Assured was driving the vehicle at the time of the accident (applicable if 'Accident and Disability Benefit Rider' is opted).
Death Claims
Duly filled and signed Claim Intimation Form.
Original Policy Document,
Original or Attested Death Certificate issued by local authority.
Claimant’s Valid bank passbook/statement or Cancelled Cheque with pre-printed Name and pre-printed Bank account number.
Copy of claimant's photo identification proof and current address proof.
Copy of medico legal cause of death certificate/MCOD.
Medical records (admission notes, discharge/ death summary, indoor case papers, test reports, etc.).
Prior medical records of insured/ Life assured.
Medical attendant's/ hospital’s certificate, issued by doctor.
Certificate from employer (for salaried individuals).
Claims can be filed between 30 and 60 days after the insured person dies.
The Individual Death Claim Settlement Ratio for the financial year 2023-24 is 98.04%.
Beneficiaries can initiate a claim by submitting the required documents. The payment for the claim upon death will be made according to the terms of the insurance policy.
You can check the progress of your claim online using the 'Track Claim' feature or by scanning a QR code. For any guidance, you can also call our toll-free number.
Click here to track your claim.
The following documents are commonly required for a claim submission:
Death certificate of life assured from the municipal corporation.
Duly filed and signed Claim intimation form.
Nominee's ID and address proof.
Deceased person's ID proof.
Bank passbook or a cancelled cheque of the nominee with name and account details printed on it.
In the event of an unnatural death, the following documents may have to be submitted:
FIR, post-mortem and Panchnama reports.
Hospital records (if available).
Depending on the type of claim initiated, you may be asked to produce some additional relevant documents.
A claimant can request a refund into any bank's savings account.
It will be processed in INR.
You can adhere to the following process to submit your claim:
You can register it online via the IndiaFirst Life website.
You can send the required documents for the claim to claims.support@indiafirstlife.com.
You can send the physical copies of the claim forms to the head office through Post or courier, or you can drop them off at the nearest branch of BOB, UBI, or IndiaFirst Life FPC.
Email: You can send the claim intimation and required documents to either claims.support@indiafirstlife.com or customer.first@indiafirstlife.com.
Courier: You can send the claim intimation and supporting documents to the claims department at our head office.
Branches: You can deliver the claim intimation and documents to your closest IndiaFirst Life branch.
Click here to access quick pay feature within our website. Securely pay your premium online using this feature.
Alternatively, click here to login to our customer portal and access the pay premium feature.
ECS activation is a facility where policyholder gives a request to debit the renewal premium on the due date directly from the requested account.
To activate this feature for your policy, you may:
EMAIL US:
Mail us at customer.first@indiafirstlife.com from your registered email ID with the below mentioned documents to request for ECS Activation.
ECS mandate form filled and duly signed by policyholder.
Copy of bank account proof (bank statement/bank passbook copy/cancelled cheque) with the policyholder’s name, account number and bank name printed on the same.
For AB/BOB/UBI- soft copy of above-mentioned documents can be accepted.
For other banks, physical copy is mandatory to be sent to HO address.
VISIT US:
Walk in to any of our IndiaFirst Life, Bank of Baroda or UBI branches and submit the ECS Activation Request.
Click here to download the ECS Mandate Form.
POST OR COURIER:
You may send the duly filled ECS Mandate Form to the below address:
The Policy Servicing Team,
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center,
Western Express Highway,
Goregaon (East), Mumbai – 400063.
You may choose any of the following modes to cancel your premium auto debit feature.
CUSTOMER PORTAL:
Click here to access the mandate cancellation/ECS deactivation module within customer portal. You can cancel your auto debit using this feature.
EMAIL US:
Email us at customer.first@indiafirstlife.com from your registered email ID to request for ECS Deactivation.
We do not accept requests from any unregistered email ID.
To register your email id, please login to Customer Portal and update your contact details. Click here to update now.
VISIT US:
Walk in to any of our IndiaFirst Life branches for submitting the ECS Deactivation Request.
POST OR COURIER:
You may send the Physical copy of the request to the below address:
The Policy Servicing Team,
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center,
Western Express Highway,
Goregaon (East), Mumbai – 400063.
You may want to update or change the nominee details in any of the following cases:
Change in the spelling of nominee’s name.
Change in the relationship with the nominee.
Change in nominee’s date of birth.
Change in nominee.
Here is how you can update or modify your nominee details.
CUSTOMER PORTAL:
Click here to access the ‘update nominee’ module within customer portal. You can modify your nominee details using this feature.
EMAIL US:
Write to us at customer.first@indiafirstlife.com, from your registered email ID.
Attach a copy of duly signed Nomination Change Form mentioning the following:
Nominee’s name.
Address.
Date of birth.
Relationship with the policy holder.
In case the nominee is a minor, then the appointee details are mandatory. The appointee’s name, date of birth, and address, would also be required.
VISIT US:
Walk in to any of our Bank of Baroda, Union Bank of India or IndiaFirst Life insurance branches and request a change in nomination.
MAIL/COURIER:
Send us the physical Nomination Change Form duly signed by the policyholder, to the address mentioned below:
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center,
Western Express Highway,
Goregaon (East), Mumbai – 400063.
It is a facility which allows the partial withdrawal of an amount after the lock-in period is over and before the policy reaches maturity.
A policyholder can either request to process the partial withdrawal amount to be credited into the requested account or may request to apply the partial withdrawal amount as the renewal premium of the policy.
Part surrender is available only on ULIP (Market-linked) policies.
EMAIL US:
Drop a mail to customer.first@indiafirstlife.com from your registered email ID to request a Part Surrender along with the below documents:
Part Surrender Form Or a written request letter duly signed by Policyholder.
Savings bank a/c proof, such as a cancelled cheque or bank statement with the policy holder's name, bank name and account number printed on it.
PAN Card.
Self-Attested Address and ID Proof of Policyholder.
NRI declaration form (If required).
NON-NRI declaration form along with all the pages of passport (including blank pages as well). The NON-NRI declaration form will usually have to be submitted if you were an NRI at the time of issuance and currently are not.
VISIT US:
Walk in to any of our IndiaFirst Life, Bank of Baroda or UBI branches to submit the Part Surrender Request.
Click here to download the Part Surrender form.
POST OR COURIER:
You may send the duly filled Part Surrender form to the below address:
The Policy Servicing Team,
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center,
Western Express Highway,
Goregaon (East), Mumbai – 400063.
The surrender of an insurance policy refers to the voluntary termination of the insurance contract before the expiry of the term of the contract. The process of surrender must be initiated by the policy holder.
To initiate a policy surrender, you can opt for any of the following methods:
EMAIL US:
Drop a mail to customer.first@indiafirstlife.com along with the below documents:
OTP-based Full Surrender Form. Click here to download.
Savings bank a/c proof (such as a cancelled cheque or bank statement with the policyholder's name, bank name, and account number, printed on it). For not sourced bank proof Bank passbook/Bank Statement should be stamped by the bank (effective 3rd Sept 2021).
PAN Card (Mandatory for Non-Compliant policy).
NRI declaration form (If required).
NON-NRI declaration form along with all the pages of passport (including blank pages as well). The NON-NRI declaration form will usually have to be submitted if you were an NRI at the time of issuance and currently are not.
VISIT US:
Walk in to any of our IndiaFirst Life, Bank of Baroda or UBI branches.
POST OR COURIER:
You may send the following documents to the address provided below:
Written request letter or Change request form duly signed by the policyholder.
In case of monthly mode, ECS mandate is mandatory, along with 3 months advance premium payment.
The Policy Servicing Team,
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center,
Western Express Highway,
Goregaon (East), Mumbai – 400063.
You may update via
CUSTOMER PORTAL:
Click here to access the update bank details module within customer portal.
Select the Policy for which you want to update the bank account details, enter all the mandatory details and submit.
EMAIL US:
Drop in a mail at customer.first@indiafirstlife.com from your registered email ID to request for updating the bank account details, along with the below documents:
Written Request letter duly signed by the policyholder.
Copy of bank account proof (bank statement / bank passbook copy) with the policyholder’s name, account number and bank name printed on the same.
Self-Attested Address and ID Proof of policyholder.
VISIT US:
Walk in to any of our IndiaFirst Life, Bank of Baroda or UBI branches.
POST OR COURIER:
You may send the documents to the below address:
Written Request letter duly signed by Policyholder.
Copy of bank account proof (bank statement/bank passbook copy) with the policyholder’s name, account number, and bank name, printed on the same.
Self-Attested Address and ID Proof of Policyholder.
The Policy Servicing Team,
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center,
Western Express Highway,
Goregaon (East), Mumbai – 400063.
IndiaFirst Life provides the policyholder the facility to apply for a loan as per the plan feature. All policies, against which loan is granted, will be assigned to IndiaFirst Life. Policy should be Active/Enforced to avail the loan.
If the surrender value at any point in time is less than the outstanding loan amount plus accrued interest, the policy gets terminated.
Claim proceeds will be paid after deduction of outstanding loan amount including interest, if any till date of claim intimation.
To apply for a loan against a valid policy, you may choose any of the following options:
EMAIL US:
Drop in a mail at customer.first@indiafirstlife.com, along with the below documents:
Policy Loan Application form duly signed by the policy holder.
Savings bank a/c proof, such as a cancelled cheque or bank statement, with the policyholder's name, bank name, and account number printed on it. for not sourced bank proof Bank passbook/Bank Statement should be stamped by the bank (effective 3rd Sep 2021).
For not source bank proof Bank passbook/Bank Statement should be stamped by the bank (effective 3rd Sep 2021).
Copy of PAN Card (Mandatory for Non-Compliant policy).
Self-Attested Address and ID Proof of Policyholder (effective 1st Nov 2020).
VISIT US:
Walk in to any of our IndiaFirst Life, Bank of Baroda or UBI branches.
POST OR COURIER:
You may send the documents to the below address:
The Policy Servicing Team,
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center,
Western Express Highway,
Goregaon (East), Mumbai – 400063.
To change from monthly, quarterly or half yearly to yearly frequency, you can request the change nearing the policy anniversary date.
To change from yearly to monthly, quarterly, half yearly; you may submit the request at any time.
CUSTOMER PORTAL:
Click here to access the payment frequency change module within customer portal and use the feature.
EMAIL US
Drop a mail to customer.first@indiafirstlife.com from your registered email ID to request for updating bank account details along with the below documents:
Written request letter or Change request form duly signed by the policy holder.
In case of monthly mode, ECS mandate is mandatory, along with 3 months of advance premium payment.
CALL US:
1800 209 8700 (Toll-free).
Call us from your registered phone number.
VISIT US:
Walk in to any of our IndiaFirst Life, Bank of Baroda or UBI branches.
POST OR COURIER:
You may send the documents to the below address:
Written request letter or Change request form duly signed by the policy holder.
In case of monthly mode, ECS mandate is mandatory along with 3 months advance premium payment.
Address:
The Policy Servicing Team,
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center,
Western Express Highway,
Goregaon (East), Mumbai – 400063.
Free Look Cancellation (FLC) is an option offered by the insurer. It lets policyholder cancel the policy within a certain period.
Free Look Period is of 15 days for policies issued before 1st Nov 2020, 30 days for policies issued after 1st April 2024, and 30 days for policies issued after 1st Nov 2020 from the date of receipt of the policy document. The option allows the policyholder to review the terms and conditions of the policy. In case of any disagreement with the terms and conditions, he/she can return the policy or apply for change in terms of the policy.
The Free Look Period will be calculated from the day the policy document is received by the customer, till the day the request is received at BOB/UBI branches or by operations at the mail room. The date of receipt of request will be considered as the effective date for the free look. Any Free Look Charges will be applicable.
EMAIL US:
Drop a mail to customer.first@indiafirstlife.com along with the below documents:
Written request letter signed by the policy holder OR Refund request form duly signed by policyholder.
Savings bank a/c proof, such as a cancelled cheque or bank statement, along with the policyholder's name, bank name, and account number printed on it.
OR
Current bank a/c proof if premium is received from current account. for not sourced bank proof Bank passbook/Bank Statement should be stamped by the bank (effective 3rd Sep 2021).
Self-Attested Address and ID Proof of Policyholder (effective 1st Nov 2020).
VISIT US:
Walk in to any of our IndiaFirst Life, Bank of Baroda or UBI branches
POST OR COURIER:
You may send the documents to the below address:
The Policy Servicing Team,
IndiaFirst Life Insurance Company Ltd
12th and 13th Floor, North [C] wing, Tower 4,
Nesco IT Park, Nesco Center,
Western Express Highway,
Goregaon (East), Mumbai – 400063.
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IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
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Registered Office
12th and 13th Floor, North [C] wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400063.
IRDAI Information
IRDAI Regd. No. 143 | CIN: U66010MH2008PLC183679Trade logo displayed above belongs to one of our promoters and shareholders, Bank of Baroda and are used by IndiaFirst Life Insurance Company Limited under License.
For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale.
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