Where to Find the Right Insurance / Home Loan Documents - PDF

Best documents (recommended)

Insurance

• Customer Information Sheet (CIS) / “Know Your Policy”

• Policy Schedule / Certificate

• Policy Wording / Terms & Conditions (full contract)

Home loan

• Key Facts Statement (KFS)

• Sanction Letter

• Schedule of Charges / Fees

• Loan Agreement (or key pages)

Supporting documents (helpful, but may be incomplete)

• Premium receipt / tax invoice / payment confirmation

• EMI schedule / repayment schedule

• Bank statement screenshot

• One-page marketing flyer (if that’s all you have)

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1) If you bought online (insurer website/app/aggregator)
Check:

• Email/SMS/WhatsApp from the insurer (search: “Policy issued”, “Policy kit”, “Welcome kit”)

• Insurer app → My Policies → Download policy

• Insurer website login/portal → Policies → Downloads

Common attachment names:

• Policy Schedule / Policy Certificate / Policy Document

• Customer Information Sheet (CIS) / Know Your Policy

• Policy Wording / Terms & Conditions

2) If you bought through an agent/bank
Ask for the Policy Kit (not the receipt). Request:

• CIS / Know Your Policy

• Policy Schedule / Certificate

• Policy Wording / Terms & Conditions

Copy-paste message (WhatsApp/email):
“Hi, please share my complete policy kit: (1) Customer Information Sheet (CIS/Know Your Policy), (2) Policy Schedule/Certificate, and (3) Policy Wording/Terms & Conditions. I need the documents that contain coverage, exclusions/conditions, and charges—not only the payment receipt.”

1) If you applied via branch / relationship manager
Look for:

• Key Facts Statement (KFS)

• Sanction letter

• Schedule of charges / fees

• Loan agreement pages (draft/final)

Where to check:

• Email (search: “KFS”, “Key Facts Statement”, “Sanction”, “Schedule of Charges”, “Loan Agreement”)

• Lender portal / loan account login (if provided)

• Official email thread from your RM/branch

2) If you applied digitally (app/website)
Check:

• In-app Documents section

• Post-approval emails (“Approved/Sanctioned”)

• Links labelled “Download KFS” / “Loan documents”

Copy-paste message (WhatsApp/email):
“Hi, please share my Key Facts Statement (KFS), sanction letter, and schedule of charges/fees. I need the documents that show APR/all-in cost, fees, and penal/foreclosure/prepayment terms.”

If you are reviewing insurance
Upload one combined PDF containing any of:

• CIS / Know Your Policy

• Policy Schedule / Certificate

• Policy Wording / Terms & Conditions
  (Optional: benefit illustration, add-on schedule)

If you are reviewing a home loan
Upload one combined PDF containing these all:

• KFS

• Sanction letter

• Schedule of charges/fees

• Loan agreement pages (draft/final)
  (Optional: insurance documents if bundled or discussed)

PolicyTruth provides educational document analysis only. We do not sell insurance or loans and we do not provide suitability recommendations or advice.