u/ApprehensiveDog2871

Need help understanding SBI Life ULIP lapse situation

I have an SBI Life Smart Wealth Builder ULIP policy.

Timeline:
- Policy started in Nov 2023
- Paid ₹50,000 in 2023
- Paid another ₹50,000 in 2024
- Did NOT pay the next premium after that

Now I can’t log into Smart Care because my mobile number apparently isn’t linked to the policy, though my email receives premium reminders.

The policy document says:
“Policies which lapse without payment of minimum stipulated premiums will not acquire any surrender value and premiums paid will get forfeited.”

I’m confused and stressed because:
- Does this mean my ₹1 lakh is gone?
- Or does a ULIP still retain some fund value after lapse/discontinuation?
- Can the policy still be revived?
- Is inability to log in normal for lapsed policies?

Would appreciate advice from anyone familiar with SBI Life ULIPs or insurance policies.

Loc: India mumbai

Need help understanding SBI Life ULIP lapse situation

I have an SBI Life Smart Wealth Builder ULIP policy.

Timeline:
- Policy started in Nov 2023
- Paid ₹50,000 in 2023
- Paid another ₹50,000 in 2024
- Did NOT pay the next premium after that

Now I can’t log into Smart Care because my mobile number apparently isn’t linked to the policy, though my email receives premium reminders.

The policy document says:
“Policies which lapse without payment of minimum stipulated premiums will not acquire any surrender value and premiums paid will get forfeited.”

I’m confused and stressed because:
- Does this mean my ₹1 lakh is gone?
- Or does a ULIP still retain some fund value after lapse/discontinuation?
- Can the policy still be revived?
- Is inability to log in normal for lapsed policies?

Would appreciate advice from anyone familiar with SBI Life ULIPs or insurance policies.

India mumbai

Need help understanding SBI Life ULIP lapse situation

I have an SBI Life Smart Wealth Builder ULIP policy.

Timeline:
- Policy started in Nov 2023
- Paid ₹50,000 in 2023
- Paid another ₹50,000 in 2024
- Did NOT pay the next premium after that

Now I can’t log into Smart Care because my mobile number apparently isn’t linked to the policy, though my email receives premium reminders.

The policy document says:
“Policies which lapse without payment of minimum stipulated premiums will not acquire any surrender value and premiums paid will get forfeited.”

I’m confused and stressed because:
- Does this mean my ₹1 lakh is gone?
- Or does a ULIP still retain some fund value after lapse/discontinuation?
- Can the policy still be revived?
- Is inability to log in normal for lapsed policies?

Would appreciate advice from anyone familiar with SBI Life ULIPs or insurance policies.

Location: mumbai , India

19M

Hello everyone, I really need some guidance regarding a serious passport issue involving my mother.

My mother was born in a village in 1979 (Sultanganj, Bihar) at home, and at that time no birth certificate was issued. When we applied for her passport, the passport office asked us to submit a birth certificate. Since we didn’t have one, we contacted a person in the village who deals with documentation. He helped us generate a birth certificate online, including signatures from her parents, and gave us the document.

After about 3 months, we were called back to the passport office to submit it. However, when we went there, the officer said the birth certificate was fake and told us to come back the next day or he would file an FIR. This scared my parents a lot. Initially, I believed the document was genuine since I had cross-checked it online, but later, after researching, I realized it was indeed fake.

After this, we immediately started the proper legal process. We went to Sultanganj and applied through the correct government channels, including tehsil/SDM processes, affidavits, and registrations, and got an original, legitimate birth certificate with proper stamps and records. We then submitted this genuine document during police verification to the same passport officer.

Now, after about 3 months, we received a call saying the police had visited our Mumbai residence for verification, but unfortunately, we were not at home at that time (my mother was at yoga and I was in college). We went to the police station the next day, and now they have told us that the passport has been “cancelled” and asked us to come again tomorrow to speak to a senior officer (“bade sahab”).

I am really scared and confused right now.

What could be the possible consequences in this situation?

Can an FIR still be filed even after we corrected the mistake and submitted a genuine document?

What should we say and what should we avoid saying when we meet the senior officer?

What is the worst-case and best-case scenario here?

For context, I am 19 and handling this with my parents, who are very stressed and scared. Any legal advice or guidance on how to handle this would mean a lot.

Hello everyone, I really need some guidance regarding a serious passport issue involving my mother.

My mother was born in a village in 1979 (Sultanganj, Bihar) at home, and at that time no birth certificate was issued. When we applied for her passport, the passport office asked us to submit a birth certificate. Since we didn’t have one, we contacted a person in the village who deals with documentation. He helped us generate a birth certificate online, including signatures from her parents, and gave us the document.

After about 3 months, we were called back to the passport office to submit it. However, when we went there, the officer said the birth certificate was fake and told us to come back the next day or he would file an FIR. This scared my parents a lot. Initially, I believed the document was genuine since I had cross-checked it online, but later, after researching, I realized it was indeed fake.

After this, we immediately started the proper legal process. We went to Sultanganj and applied through the correct government channels, including tehsil/SDM processes, affidavits, and registrations, and got an original, legitimate birth certificate with proper stamps and records. We then submitted this genuine document during police verification to the same passport officer.

Now, after about 3 months, we received a call saying the police had visited our Mumbai residence for verification, but unfortunately, we were not at home at that time (my mother was at yoga and I was in college). We went to the police station the next day, and now they have told us that the passport has been “cancelled” and asked us to come again tomorrow to speak to a senior officer (“bade sahab”).

I am really scared and confused right now.

What could be the possible consequences in this situation?

Can an FIR still be filed even after we corrected the mistake and submitted a genuine document?

What should we say and what should we avoid saying when we meet the senior officer?

What is the worst-case and best-case scenario here?

For context, I am 19 and handling this with my parents, who are very stressed and scared. Any legal advice or guidance on how to handle this would mean a lot.

Thank you.

Hello everyone, I really need some guidance regarding a serious passport issue involving my mother.

My mother was born in a village in 1979 (Sultanganj, Bihar) at home, and at that time no birth certificate was issued. When we applied for her passport, the passport office asked us to submit a birth certificate. Since we didn’t have one, we contacted a person in the village who deals with documentation. He helped us generate a birth certificate online, including signatures from her parents, and gave us the document.

After about 3 months, we were called back to the passport office to submit it. However, when we went there, the officer said the birth certificate was fake and told us to come back the next day or he would file an FIR. This scared my parents a lot. Initially, I believed the document was genuine since I had cross-checked it online, but later, after researching, I realized it was indeed fake.

After this, we immediately started the proper legal process. We went to Sultanganj and applied through the correct government channels, including tehsil/SDM processes, affidavits, and registrations, and got an original, legitimate birth certificate with proper stamps and records. We then submitted this genuine document during police verification to the same passport officer.

Now, after about 3 months, we received a call saying the police had visited our Mumbai residence for verification, but unfortunately, we were not at home at that time (my mother was at yoga and I was in college). We went to the police station the next day, and now they have told us that the passport has been “cancelled” and asked us to come again tomorrow to speak to a senior officer (“bade sahab”).

I am really scared and confused right now.

What could be the possible consequences in this situation?

Can an FIR still be filed even after we corrected the mistake and submitted a genuine document?

What should we say and what should we avoid saying when we meet the senior officer?

What is the worst-case and best-case scenario here?

For context, I am 19 and handling this with my parents, who are very stressed and scared. Any legal advice or guidance on how to handle this would mean a lot.

Thank you.

Hello everyone, I really need some guidance regarding a serious passport issue involving my mother.

My mother was born in a village in 1979 (Sultanganj, Bihar) at home, and at that time no birth certificate was issued. When we applied for her passport, the passport office asked us to submit a birth certificate. Since we didn’t have one, we contacted a person in the village who deals with documentation. He helped us generate a birth certificate online, including signatures from her parents, and gave us the document.

After about 3 months, we were called back to the passport office to submit it. However, when we went there, the officer said the birth certificate was fake and told us to come back the next day or he would file an FIR. This scared my parents a lot. Initially, I believed the document was genuine since I had cross-checked it online, but later, after researching, I realized it was indeed fake.

After this, we immediately started the proper legal process. We went to Sultanganj and applied through the correct government channels, including tehsil/SDM processes, affidavits, and registrations, and got an original, legitimate birth certificate with proper stamps and records. We then submitted this genuine document during police verification to the same passport officer.

Now, after about 3 months, we received a call saying the police had visited our Mumbai residence for verification, but unfortunately, we were not at home at that time (my mother was at yoga and I was in college). We went to the police station the next day, and now they have told us that the passport has been “cancelled” and asked us to come again tomorrow to speak to a senior officer (“bade sahab”).

I am really scared and confused right now.

What could be the possible consequences in this situation?

Can an FIR still be filed even after we corrected the mistake and submitted a genuine document?

What should we say and what should we avoid saying when we meet the senior officer?

What is the worst-case and best-case scenario here?

For context, I am 19 and handling this with my parents, who are very stressed and scared. Any legal advice or guidance on how to handle this would mean a lot.

Thank you.