Generali Central Life Insurance

About Generali Central Life Insurance

Generali Central Life Insurance Company Limited (formerly known as Future Generali India Life Insurance Company Limited) is an Indian life insurance company headquartered in Mumbai. It operates as a strategic joint venture between the global insurance giant Generali Group (which holds a majority 73.99% stake) and the Central Bank of India (which holds a 25.18% stake). The company's rebranding followed the Central Bank of India's acquisition of its stake in the debt-ridden Future Enterprises Ltd. in mid-2025.

Generali Central Life Insurance Company Limited has strengthened its presence in India through customer-focused insurance solutions and a growing nationwide distribution network. The company manages assets worth over ₹104.7 billion and has protected more than 9.4 lakh lives since inception. It offers a wide range of life insurance products, including protection, savings, retirement, child, wealth creation, and group insurance plans designed for different financial needs and life stages. The insurer reported an individual claim settlement ratio of 99.57% in FY 2025–26 and a 100% group claim settlement ratio, reflecting its strong focus on customer trust and efficient claim servicing. Supported by the expertise of the Generali Group and Central Bank of India, the company continues to expand its reach across India.

Why Buy Generali Central Life Insurance?

Generali Central Life Insurance is an ideal choice if you are looking for secure, multi-purpose life insurance plans that combine life protection with wealth accumulation. It stands out for offering highly flexible, guaranteed income streams, comprehensive family security, and customized investment options.

• Backed by the Central Bank of India

• Presence across 6,019+ company and partner branches nationwide.

• Over 9.46 lakh lives protected since inception.

• Assets under management of more than ₹104.7 billion.

• 99.57% individual claim settlement ratio in FY 2025–26.

• 100% group claim settlement ratio in FY 2025–26.

What Are The Generali Central Life Insurance Riders?

Life Insurance Riders or Add-on benefits increase the coverage of your base life insurance policy. Just by paying an additional premium, you can protect your finances and your family's financial future. Below are the riders offered by Generali Central Life Insurance Co. Ltd.

• Generali Central Linked Accidental Death Benefit Rider

• Generali Central Linked Accidental Total & Permanent Disability Rider

• Generali Central Non-Linked Accidental Death Benefit Rider

• Generali Central Non-Linked Accidental Total & Permanent Disability Rider

• Generali Central Linked Term Rider

• Generali Central Non-Linked Term Rider

• Generali Central Linked Critical Illness Rider

• Generali Central Non-Linked Critical Illness Rider

How Much Life Insurance Cover Do You Need?

Financial experts recommend a life insurance cover of at least 15 to 20 times your annual income. This ensures your family can sustain their lifestyle, repay outstanding loans, and meet long-term financial goals even in your absence. For a more precise estimate, consider using a Human Life Value (HLV) Calculator, a free online tool that factors in your income, age, liabilities, and expenses to recommend an ideal coverage amount.

Example: If your annual income is ₹12 lakh, your recommended life cover should be at least ₹1.8 crore – ₹2.4 crore. The Generali Central Care Plus Plan offers cover starting from ₹25 lakh with no upper limit, making it suitable for a wide range of income profiles.

Choosing the Generali Life Insurance Plan with the Right Sum Assured Option

Choosing the right amount of coverage is important to ensure your family has sufficient funds to cover day-to-day expenses. Axis Max Life Insurance offers a range of life insurance policies designed to meet the varied insurance needs of individuals.
Having the right sum assured helps ensure that your loved ones' future expenses and outstanding debts are taken care of.

Key Benefits of Generali Central Life Insurance

Below are the benefits of Generali Central Life Insurance Company:

• Fast Claim Settlement Support on Eligible Plans

  Selected Generali Central term insurance plans come with a Claim Service Assurance for eligible claims up to ₹1 crore, helping nominees receive quicker financial assistance during difficult situations.

• Multiple Claim Payout Options

  Plans such as Generali Central Care Plus offer flexible claim settlement options. Nominees can choose to receive the death benefit as a lump sum payout, monthly income, or a combination of both based on their financial needs.

• Guaranteed Fixed Premiums

  Generali Central term insurance plans offer premium guarantee benefits, ensuring that the premium amount remains fixed throughout the policy term, making long-term financial planning easier.

• Optional Riders for Enhanced Protection

  Policyholders can strengthen their life insurance coverage with additional riders such as accidental death benefit, critical illness rider, and disability cover for broader financial protection.

• Lower Premiums for Women Policyholders

  Selected Generali Central life insurance plans offer preferential premium rates for women, helping female policyholders secure higher protection at comparatively lower costs.

• Flexible Premium Payment Modes

  Customers can choose from different premium payment options, including regular pay, limited pay, and single premium plans, allowing better flexibility according to their income and financial goals.

Generali Central Life Insurance Plans

The Generali Central Life Insurance Company offers various types of life insurance plans to cater to the diverse needs of its policyholders. Let's look at the term plans offered by Axis Life Insurance Company:

Generali Central Term Plan Insurance

Generali Central Life Insurance offers term insurance plans that offer your family comprehensive protection and financial support after your demise. Let us take a look at the term plans available with the company:

Generali Central ULIP Insurance

ULIPs are insurance cum investment plans that help to fulfil the goal of wealth generation. The plans offer much-needed flexibility to manage the investment. Below are the ULIP Plans offered by Generali Central Life Insurance Co Ltd.

Generali Central Savings Plan

Generali Central Savings Plans offer tailored life insurance and wealth-creation policies. They combine life coverage with guaranteed returns, regular payouts, or market-linked ULIP growth. Below are the Savings Plans offered by Generali Central Life Insurance Co Ltd.

Generali Central Retirement Plan

With the Generali Central Retirement plan, you can plan your after-retirement life with ease. Below are the retirement plans offered by Generali Central

Generali Central Child Plan

Generali Central Child Plans are designed to financially secure your child's higher education milestones, such as undergraduate and postgraduate degrees, while also providing life cover. The child plan offered by Generali are:

How to File Generali Central Life Insurance Claims

Generali Central Life Insurance Company Limited offers a simple, structured claims process to help nominees and beneficiaries receive financial support with minimal delay during difficult times. Below is the step-by-step Generali Central Life Insurance Claims Process:

Step 1: Intimate the Claim

The nominee or claimant must inform the insurer of the claim, whether online or offline.

Offline Process

• Download and fill out the claim intimation form

• Attach self-attested copies of required documents

• Submit the documents at the nearest branch office or courier them to the Claims Department

Claims Department Address:
Generali Central Life Insurance Company Limited
4th Floor, AJ House, Marol Maroshi Road, Gamdevi, Andheri East, Mumbai – 400059

Online Process

• Visit the official claims portal

• Upload the required claim documents digitally for faster processing

Step 2: Claim Verification and Processing

Once the claim is registered, the insurer reviews the submitted documents and verifies policy details. If additional information is needed, the company may contact the claimant through phone, email, or written communication.

Step 3: Claim Decision and Payout

After successful verification, the insurer approves the claim and transfers the claim amount directly to the nominee's registered bank account. Claim status can also be tracked through the customer portal.

What Documents are Required for Generali Central Life Insurance Claims?

Documents Required for Individual Death Claims

• Death certificate

• Medical cause of death certificate

• Original policy document

• Cancelled cheque or bank passbook copy

• Life assured’s identity proof and age proof

• Nominee’s identity proof and age proof

• Relationship proof of nominee

• PAN card of nominee

• Duly filled claim forms

Additional Documents f or Accidental or Investigative Death Claims

In case of accidental death, suicide, or death under investigation, the insurer may also ask for:

• FIR copy

• Post-mortem report

• Hospital records

• Police investigation documents

• Forensic reports

Generali Central Life Insurance Claim Support Details

Policyholders and nominees can also contact the insurer directly for claim assistance, status updates, or branch support.

• Customer Care Number: 1800 102 2355 (Available 24×7)

• Claims Support Email: claims.support@generalicentral.com

• Branch Assistance: Customers can visit the nearest Generali Central branch to submit written claim intimation and documents.

How To Buy Life Insurance Plans From Policybazaar?

Below are the steps to buy Life Insurance Plans from Policybazaar:

Step 1: Go to the Policybazaar Life Insurance page and select the type of insurance you want to buy: term insurance or an investment plan.

Step 2: Fill in details like Name, Gender, Mobile Number, DOB, and then click on View Term Quotes.

Step 3: Also fill in your annual income, smoking habits, educational qualification and occupation type, and click ‘View Plans'.

Step 4: From the list of insurers, choose the insurer you want to go with

Step 5: Fill in your full name, your occupation, your email, your yearly income and your educational qualification

Step 6: Also, mention your city, pin code and nationality.

Step 7: Select your preferred payment method and complete the purchase.

*Note: You can also contact Policybazaar's insurance advisors for quick resolution.

How to log in to the Generali Central Life Insurance Customer Portal?

The Generali Central Life Insurance Customer Portal (formerly Future Generali) is a 24/7 digital hub that allows policyholders to manage their life insurance policies online. It provides a paperless environment for checking policy details, making transactions, and accessing customer support. To log in to the Generali Central Life Insurance Customer Portal, visit the Generali Central Customer Portal and follow the steps below:

Step 1: Log in using your User Name, Registered Email Address, Mobile Number, Policy Number, or Client ID.

Step 2: Enter the captcha code displayed on the screen.

Step 3: Once done, enter the One-Time Password (OTP) sent to your registered mobile number.

Step 4: Click "Go To My Dashboard" to manage your policies, pay premiums, or download statements.

How to Contact Generali Central Life Insurance?

Generali Central Life Insurance offers multiple customer support options to help policyholders manage their policies, resolve queries, and access assistance quickly and conveniently.

Customer Care Support

Customers can connect with Generali Central customer support representatives from 9:30 AM to 6:30 PM, Monday to Saturday, for policy-related assistance, premium payment support, claims help, and other service requests.

Email Support

For queries, complaints, or policy assistance, customers can contact the insurer through email at care@generalicentral.com. The support team typically responds with guidance and details on resolution.

Online Policy Management

Policyholders can manage their insurance policies online with ease. Services such as premium payments, policy updates, document downloads, and request tracking can be accessed digitally anytime.

WhatsApp Support

Customers can also reach Generali Central through WhatsApp support at +91 8108198633 for quick assistance and basic policy-related services.

How to Contact Generali Central Life Insurance Through Social Media Channels?

Instagram

Official Page: @generali_central_life

With 34K+ followers, Generali Central Life Insurance shares insurance literacy content, money management advice, service updates, promotional highlights, and customer awareness posts on Instagram. Users can connect through Direct Messages (DMs), comments, and story replies for general queries and engagement.

Facebook

Official Page: Generali Central Life Insurance

With over 128K followers, Generali Central Life Insurance regularly shares corporate updates, financial literacy content, industry perspectives, and customer awareness campaigns on Facebook. Users can connect through Facebook Messenger or comments for support and assistance.

YouTube

Official Channel: Generali Central Life Insurance (@GeneraliCentralLifeInsurance)

With 11.7K+ subscribers, Generali Central Life Insurance uploads videos related to insurance literacy, financial planning guidance, customer education, and product insights on YouTube. Users can post queries or feedback through the comments section and explore additional support details through the channel page.

LinkedIn

Official Page: Generali Central Life Insurance

With over 135K followers, Generali Central Life Insurance uses LinkedIn to share company updates, industry insights, financial awareness content, and professional updates. Users can engage by commenting on posts and following the page for the latest updates and opportunities.

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