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Investment Plan
Savings &
Investment Plan
Protection Plan
POS Product
SUD Life E -Wealth Royale
  • 100% Fund Allocation.
  • Zero Premium Allocation Charges
  • Loyalty Additions & Wealth Boosters
  • Return of Policy Administration Charges & Mortality Charges
Key Features
Eligibilty Criteria
How it works

Key Features

2 Plan Options

Platinum and Platinum Plus

Return of Charges4

No Premium Allocation charges. Return of Policy Administration charge at the end of 10th Policy Year and Return of Mortality charges at policy Maturity

Flexibility to withdraw money1

You can partially withdraw the money as per your requirement after completion of 5th Policy Year.

Investment Strategy

Option to choose from 2 Investment Strategy i.e. Self-Managed and Age Based and 8 Fund Options i.e. Blue- Chip Equity Fund, Growth Plus Fund, Balanced Plus Fund, Mid Cap Fund, Income Fund, Gilt Fund, Dynamic Fund and Money Market Fund

Tax Benefits

Get tax benefits on maturity amount subject to Section 10(10D) and tax benefits on premium paid under Section 80 C of the Income Tax Act, 1961.

Flexibility

Option to increase Premium Payment Term and Policy Term

Eligibilty Criteria

Plan Option Platinum Platinum Plus
Min Entry Age*
Life Assured - 0 Years (30 Days)
Policyholder - 18 Years
Life Assured - 0 Years (30 Days)
Policyholder - 18 Years
Max Entry Age*
For Life Assured
Policy Term Years
10 - 14 50 Years
15 - 40 55 Years
For Life Assured/Policyholder
Policy Term Years
10 - 14 50 Years
15 - 40 55 Years
Plan Option Platinum Platinum Plus
Maturity Age*
Minimum - 18 Years
Maximum - 75 Years
Minimum - 18 Years
Maximum - 75 Years
Minimum Policy Term
PPT Policy Term
5 Pay, 7 Pay,
Regular Pay		 10 Years
10 Pay 15 Years
PPT Policy Term
5 Pay, 7 Pay,
Regular Pay		 10 Years
10 Pay 15 Years
Maximum Policy Term
PPT Policy Term
5 Pay, 7 Pay, 10 Pay 40 Years
Regular Pay 40 Years
Life Assured is Minor^
PPT Policy Term
5 Pay, 7 Pay, 10 Pay 40 Years
Regular Pay 30 Years Less Entry Age
Life Assured is Major^ (Age >=18)
PPT Policy Term
5 Pay, 7 Pay, 10 Pay 40 Years
Regular Pay 40 Years
Maximum Premium
Premium
Payment Mode		 Amount
Yearly 50,000
Half Yearly 30,000
Quaterly 15,000
Monthly 5,000
Premium
Payment Mode		 Amount
Yearly 50,000
Half Yearly 30,000
Quaterly 15,000
Monthly 5,000
Maximum Annualised
Premium		 2,50,000 2,50,000
Minimum Sum Assured 5,00,000 (10 times of Annualised Premium) 5,00,000 (10 times of Annualised Premium)
Maximum Sum Assured 25,00,000 (10 times of Annualised Premium) 25,00,000 (10 times of Annualised Premium)
Premium Payment Frequency Yearly, Half-Yearly, Quaterly, Monthly Yearly, Half-Yearly, Quaterly, Monthly
*Age is age last birthday
*At date of commencement of policy. Where, Annualized Premium means premium amount payable in a year excluding the taxes, rider premiums and underwriting extra premium on riders, if any.

How it works

A 35-years old, healthy male opts for SUD Life e-Wealth Royale, Plan Option - Platinum & chooses 100% allocation in Blue Chip Fund. He chooses a monthly premium of 5,000 to be paid for 20 years (PPT) & a policy term of 20 years. Hence, total premium payable is 12,00,000.

+ These assumed rates of returns are not guaranteed, and they are not the upper or lower limits of what you might get back, as the value of the fund is dependent on a number of factors including future investment performance

SUD Life Century Royale
SUD Life Century Star
SUD Life Fortune Royale
SUD Life Century Gold
  • Tax Free Guaranteed Long-Term Income
  • Guaranteed Maturity
  • 7.5% Extra Payout for Online Buyers
  • Life Cover
Key Features
Eligibilty Criteria
How it works

Key Features

Tax Free1 Guaranteed Income2

Tax Free1 Guaranteed Income2 from the end of 10th year till end of policy term

Guaranteed Maturity Benefit4

Guaranteed Maturity Benefit4 at end of the Policy Term

Guaranteed Life Cover3

Guaranteed Life Cover3 for 45 years of Policy Term

Long-term Benefits

Pay for 7/12 year and enjoy long-term benefits

Loan Facility

Avail Loan facility

Tax Benefit On Premium

Tax benefit1 on the premiums paid

Eligibilty Criteria

Entry Age*
Premium Paying Term 7 Pay 12 Pay
Minimum Age 18 years 18 years
Maximum Age 55 years 50 years
Maximum
Maturity Age*		 95 years
Premium Payment
Term (PPT)		 7 Pay and 12 Pay
Policy Term
PPT Policy Term (in years)
7 Pay 25, 30, 35, 40
12 Pay 30, 35, 40, 45
Premium
Minimum Annualized Premium
7 Pay Rs.100,000
12 Pay Rs.60,000
Maximum Annualized Premium - As per Board Approved
Underwriting Policy
The Premium will be as chosen by the Policyholder

How it works

Anish, aged 40 years, has chosen an annual premium of 1,00,000 p.a. for 7 pay and policy term of 40 years.He will be covered for a death benefit of 10,00,000 during the policy term.Anish will receive Guaranteed Income of 55,620 p.a. starting from end of 10th policy year till 40th policy year.On maturity of the policy, the Guaranteed Maturity Benefit of 8,00,000 will be payable to Anish.In case of an unfortunate event anytime during the policy term, sum assured on death i.e. 10,00,000would be paid to the nominee/beneficiary and the policy terminates immediately.

Protect your loved ones while fulfilling their dreams financially with SUD Life Century Star

  • Life cover with guaranteed maturity benefits
  • Loan facility available
  • Tax benefits# under Section 80C & 10(10D) on premiums paid and on maturity.
  • Flexibility to withdraw from 13th year with attractive surrender benefits
Key Features
Eligibilty Criteria
How it works

Key Features

Choose Riders

Option to choose Riders

Death and Disability Benefit Rider

SUD Life Accidental Death and Total & Permanent Disability Benefit Rider – Traditional

Family Income Benefit Rider

SUD Life Family Income Benefit Rider – Traditional

COVID - 19 Benefit Rider

SUD Life COVID - 19 Benefit Rider-Traditional

Loan facility

Loan facility available

Tax benefits

Tax benefits# under Section 80C & 10(10D) on premiums paid and on maturity.

Eligibilty Criteria

  Minimum Maximum
Entry Age (Last birthday)
8 years
55 years
Age at Maturity (last birthday)
20 years
71 years
Sum Assured on Death (Rs)
5,00,000
20,00,00,000
Annualized Premium (Rs)
50,000
2,00,00,000
Premium Payment Term (years)
7 years
Premium Payment Modes
Yearly

How it works

How does this plan work?

Anish, aged 40 years, has chosen an annual premium of Rs 50,000 and policy term of 16 years. He will be covered for a death benefit of Rs 5,00,000 during the policy term. On maturity of the policy, the Guaranteed Maturity Benefit will be paid to Anish which is calculated using the Guaranteed Maturity Benefit factor multiplied by Annualized Premium. Therefore, in case of Anish, for age at entry 40 years and policy term of 16 years, the guaranteed maturity benefit factor is 12.8467 and thus the maturity benefit is Rs 6,42,335 [50,000 multiplied by 12.8467].

In case of an unfortunate event anytime during the policy term, sum assured on death i.e. Rs 5 lakhs will be paid to the nominee/beneficiary

  • Receive Cash Bonus2
  • Lumpsum along with Guaranteed Additions from first policy year till end of premium paying term3
  • Secure your Child’s Future
Key Features
Eligibilty Criteria
How it works

Key Features

Flexibility

Flexibility to choose between 3 Benefit Options – Income Benefit, Lumpsum Benefit & Child Future Secure

Cash Bonus

Receive regular income by way of Cash Bonus2

Guaranteed Additions

Guaranteed Additions3 till end of premium paying term

Waiver of Premium Benefit

Waiver of Premium Benefit available under benefit option 3 - child future secure

Child’s Future & Wealth Creation

Single window solutions for securing Child’s Future & Wealth Creation

Tax benefits

Tax Benefits on premiums paid & maturity4

1Bonus will be paid if declared by the Company based on the performance of participating fund.
2Applicable only under Benefit Option 1 - Income Benefit. Based on performance of participating fund, the Company may declare Cash Bonus.
3Available only under Benefit Option 2 – Lumpsum Benefit & Benefit Option 3 – Child Future Secure. It will accrue and be attached to the policy at the end of each policy year starting from the first policy year up to the end of PPT provided the policy is in-force.
4Tax benefits as per prevailing norms under the Income Tax Act, 1961 as amended from time to time.

Eligibilty Criteria

Parameters Details
Min Age at Entry 30 Days
Max Age at Entry
Option
Life Assured
PPT:
5 Yrs.		 PPT:
7,10,12 Yrs.
Policy Holder
1. Income Benefit
50 Years. 55 Years.
Not Applicable
2. LumpSum Benefit
50 Years. 55 Years.
Not Applicable
3. Child Future Secure
17 Years. 17 Years.
55 Years.
Maturity Age
Minimum - 18 Years

Maximum - 80 Years
Premium Paying Term & Policy Term
PPT (Years) 5 Yrs. 7 Yrs. 10 Yrs. 12 Yrs.
PT (Years) 11,15 Yrs. 15,21 Yrs. 21,25 Yrs. 25 Yrs.
Sum Assured on Death (Minimum)
PPT (Years) 5 Yrs. 7,10 & 12
SAD () 10,50,000 5,25,000
Annualized Premium (Minimum)
PPT (Years) 5 Yrs. 7,10 & 12
Premium () 1,00,000 50,000
Mode of Premium Yearly,Half Yearly,Quarterly and Monthly
*The maximum Sum Assured as per Board approved Underwriting Policy.

How it works

How does this plan work?

Benefit Option 2: Lumpsum Benefit

Mr. Rohit, healthy male age 40 years has opted SUD Life Fortune Royale (Option 2- Lumpsum Benefit).

Premium Paying Term - 5 years Premium Frequency – Yearly Sum Assured - ₹ 10,50,000

Policy Term - 11 years Annualised Premium - ₹ 1,00,000 (exclusive of applicable taxes)

The rate of return assumed in the illustration at 4% and 8% shall not be considered as forecast, as the rate of returns are not guaranteed and they are not the upper or lower limit of what you might get back, as the value of the policy depends on a number of factors including future investment performance.

  • Flexibility to choose Plan Options:
    Plan Option - Goal Sure & Plan Option - Edu Sure
  • Financial planning for your Key Life Stages - Child’s Education, Marriage, Parenthood, etc.
  • Invest in long term saving option
Key Features
Eligibilty Criteria
How it works

Key Features

Flexibility to choose your Premium, Premium Payment Term and Policy Term

Have an option for alter in Premium Payment Frequency, if desired

Get tax benefit on Premiums paid & Maturity benefit

3Tax Benefit as per prevailing norms under the Income Tax Act, 1961 as amended from time to time.

Eligibilty Criteria

Plan Option Goal Sure Edu Sure
Entry Age Minimum 0 Years 91 days 18 Years
Maximum 55 Years For PPT 5 years
For PPT 6, 8, 10 years : 60 Years 		50 Years
Plan Option Goal Sure Edu Sure
Maturity Age Minimum 18 Years 33 Years
Maximum 80 Years 72 Years
*The maximum Sum Assured as per Board approved Underwriting Policy.

How it works

How does this plan work?

Plan Option: Goal Sure

Mr. Rohit has opted SUD Life – Century Gold (Plan Option – Goal Sure). The details are as below
Life Assured Age - 35 years
Premium Frequency - Yearly
Policy Term - 20 years
Premium Paying Term - 10 years
Sum Assured on Death - ₹ 10,50,000
Annualised Premium - ₹ 1,00,000 (exclusive of applicable taxes)

On unfortunate death of Life assured during 7th policy year, nominee or beneficiary will get death benefit as:

Note: above example GA does not accrue, and Sum Assured on Death is highest as mentioned in the death benefit under this option.

SUD- Saral Jeevan Bima
SUD- Protect Shield
  • Tax Free Guaranteed Long-term Income
  • Guaranteed Maturity
  • 7.5% Extra Payout for Online Buyers
  • Life Cover
Key Features
Eligibilty Criteria
How it works

Key Features

Tax Free1 Guaranteed Income

Tax Free1 Guaranteed Income

Guaranteed Maturity Benefit

Guaranteed Maturity Benefit at end of the Policy Term

Guaranteed Life Cover

Guaranteed Life Cover for 45 years of Policy Term

Long-term Benefits

Pay for 7/12 year and enjoy long-term benefits

Loan Facility

Avail Loan facility

Tax Benefit On Premium

Tax benefit1 on the premiums paid

Eligibilty Criteria

Plan Option Platinum Platinum Plus
Min Entry Age*
Life Assured - 0 Years (30 Days)
Policyholder - 18 Years
Life Assured - 0 Years (30 Days)
Policyholder - 18 Years
Max Entry Age*
For Life Assured
Policy Term Years
10 - 14 50 Years
15 - 40 55 Years
For Life Assured/Policyholder
Policy Term Years
10 - 14 50 Years
15 - 40 55 Years
Plan Option Platinum Platinum Plus
Maturity Age*
Minimum - 18 Years
Maximum - 75 Years
Minimum - 18 Years
Maximum - 75 Years
Minimum Policy Term
PPT Policy Term
5 Pay, 7 Pay,
Regular Pay		 10 Years
10 Pay 15 Years
PPT Policy Term
5 Pay, 7 Pay,
Regular Pay		 10 Years
10 Pay 15 Years
Maximum Policy Term
PPT Policy Term
5 Pay, 7 Pay, 10 Pay 40 Years
Regular Pay 40 Years
Life Assured is Minor^
PPT Policy Term
5 Pay, 7 Pay, 10 Pay 40 Years
Regular Pay 30 Years Less Entry Age
Life Assured is Major^ (Age >=18)
PPT Policy Term
5 Pay, 7 Pay, 10 Pay 40 Years
Regular Pay 40 Years
Maximum Premium
Premium
Payment Mode		 Amount
Yearly 50,000
Half Yearly 30,000
Quaterly 15,000
Monthly 5,000
Premium
Payment Mode		 Amount
Yearly 50,000
Half Yearly 30,000
Quaterly 15,000
Monthly 5,000
Maximum Annualised
Premium		 2,50,000 2,50,000
Minimum Sum Assured 5,00,000 (10 times of Annualised Premium) 5,00,000 (10 times of Annualised Premium)
Maximum Sum Assured 25,00,000 (10 times of Annualised Premium) 25,00,000 (10 times of Annualised Premium)
Premium Payment Frequency Yearly, Half-Yearly, Quaterly, Monthly Yearly, Half-Yearly, Quaterly, Monthly
*Age is age last birthday
*At date of commencement of policy. Where, Annualized Premium means premium amount payable in a year excluding the taxes, rider premiums and underwriting extra premium on riders, if any.

How it works

A 35-years old, healthy male opts for SUD Life e-Wealth Royale, Plan Option - Platinum & chooses 100% allocation in Blue Chip Fund. He chooses a monthly premium of 5,000 to be paid for 20 years (PPT) & a policy term of 20 years. Hence, total premium payable is 12,00,000.

+ These assumed rates of returns are not guaranteed, and they are not the upper or lower limits of what you might get back, as the value of the fund is dependent on a number of factors including future investment performance

  • Get Lump Sum Amount on Death
  • Flexibility to choose premium payment term from single pay, regular pay, 5 & 10 pay
Key Features
Eligibilty Criteria
How it works

Key Features

Life Cover:

Min.-₹ 5lakhs

Max.-₹ 25lakhs

Policy Term *:

5 to 10 years

Entry Age:

18 to 65 years

Max.Maturity Age:

70 years

Premium Payment Term

Single Pay|Regular Pay|5 Pay & 10 Pay

Eligibilty Criteria

Minimum Maximum
Entry Age
18 Years
65 Years
Maturity Age
23 Years
70 Years
Sum Assured
5 Lakhs
25 Lakhs
Premium Payment Terms Policy Term
Single Pay & Regular Pay
5 to 40 years
5 Pay
6 to 40 years
10 Pay
11 to 40 years

How it works

Mr. Anish is 28 years old man. He opts for SUD Life Saral Jeevan Bima plan for Sum Assured of ₹ 5 Lakhs, Policy Term of 10 years, Premium Payment Term of 5 years and annual premium payment mode.

The premium payable by him will be ₹ 1,845 p.a. for 5 years.

This plan will provide him death benefit cover of ₹ 5 Lakhs during the policy term of 10 years i.e. in case of his unfortunate death during the policy term, his nominee/beneficiary with receive the death benefit of ₹ 5 Lakhs and his policy will terminate.

Waiting Period of 45 days is applicable from the commencement of risk. The product covers death due to accident only during the waiting period. In case of death due to cause other accident during this period, an amount equal to 100% of all premiums received excluding taxes, if any, shall be paid and the Sum Assured on Death shall not be paid. For complete details, kindly refer to the product brochure.

Choose from 3 benefit options –

  • Life Cover.
  • Life Cover with Return of Premium
  • Life Cover with Critical Illness.
Key Features
Eligibilty Criteria
How it works

Key Benefits

Get Death Benefits, Guaranteed Maturity Benefit1 and Critical Illness Benefit2

Multiple payout options to choose from – Lumpsum, Monthly income and Lumpsum plus monthly income

Option to choose SUD Life Accidental Death and Total & Permanent Disability Benefit Rider#

Protection against 40 critical illness.

Income tax benefits as per Section 80C and Section 10(10D) of The Income Tax Act, 1961.

1 Applicable only under Benefit Option 2- Life Cover with Return of Premium
2 Applicable only under Benefit Option 3- Life Cover with Critical Illness (CI)
# This is applicable for the following Benefit Options only.
1. Life Cover 2. Life Cover with Return of Premium

Eligibilty Criteria

Eligibility Criteria

Minimum Maximum
Entry Age (Last birthday) 18 Years 55 Years
Age at Maturity (last birthday) 33 Years 80 Years
(70 years in case of Benefit Option 2)
Premium Payment Modes Yearly, Half-Yearly, Quaterly, Monthly

Sum Assured

Options Minimum Maximum
Benefit Option 1- Life Cover 50 Lakh 50 Lakh
Benefit Option 2- Life Cover with Return of Premium 50 Lakh 1.5 Crore
Benefit Option 3- Life Cover with Critical Illness 50 Lakh 5 Crore

Premium Payment Term Policy Term (years)
15 Pay 20 to 40
5 Pay, 7 Pay, 10 Pay, 12 Pay and Regular Pay 15 to 40

How it works

Rohit, aged 35, has opted for SUD Life Protect Shield plan. He chooses Sum Assured of Rs 50 lacs, policy term of 30 years with premium payment term as regular pay. He opts for Life Cover with Return of Premium & Lumsum payout option to receive the Death Benefit.

POS Sanchay
  • Life cover with guaranteed maturity benefits
  • Fixed premium payment term of 10 years
  • Easy enrolment process
Key Features
Eligibilty Criteria
How it works

Key Features

Life Cover- Get life cover with hassle- free issuance

No medical tests- No medical tests required for buying the policy

Receive maturity benefit in 10 equal annual regular instalments during the Payout Period

Eligibilty Criteria

Paremeters Minimum Maximum
Age at entry (last birthday)
18 Years
45 Years
Age at maturity (last birthday)
28 Years
55 Years
Sum assured
Rs 96,000
Rs 24,00,000
Annualised premium
Rs 6,000
Rs 1,50,000
Premium Payment Term (years)
10 Years
Policy term (years)
10 Years
Premium Payment Modes
Yearly, Half- Yearly, Quarterly and Monthly

How it works

To understand the benefits, let us assume Mr. Rohit, 35 years of age, professional working with an IT firm. He is looking for an investment plan which helps him in generating second source of income for him to fuel his additional expenses or family needs 10 years later. Mr. Rohit opts for POS-SUD Life Sanchay.

  • Chooses to pay annual premium of Rs 20,000 for 10 years , payable on annual basis. Mr. Rohit will receive following benefit:.
  • Maturity Benefit – on survival till end of policy term, Guaranteed Maturity Benefit i.e. 10 equal instalment which equals to 160% of Annualized Premium during the payout period. i.e. Rohit will receive Rs 32,000 (160% of Annualized Premium) at the end of each year during the payout period (i.e. from 11th year to year). The first instalment is payable at the end of 11 Year.
  • Death Benefit - In case of unfortunate demise during 8 year of Policy term, his nominee will receive the death benefit in 10 equal annual regular instalments of 160% of Annualized Premium..

We understands what you want from your investments and offer you investment plans tailored to your specific needs. Investing in the right plan is important as one need to make his money grow in the right manner. It offers;

Key Features
Eligibilty Criteria
How it works

Key Features

2 Plan Options

Platinum and Platinum Plus

Return of Charges4

No Premium Allocation charges. Return of Policy Administration charge at the end of 10th Policy Year and Return of Mortality charges at policy Maturity

Flexibility to withdraw money1

You can partially withdraw the money as per your requirement after completion of 5th Policy Year.

Investment Strategy

Option to choose from 2 Investment Strategy i.e. Self-Managed and Age Based and 8 Fund Options i.e. Blue- Chip Equity Fund, Growth Plus Fund, Balanced Plus Fund, Mid Cap Fund, Income Fund, Gilt Fund, Dynamic Fund and Money Market Fund

Tax Benefits

Get tax-free maturity amount subject to Section 10(10D) and tax benefits on premium paid under Section 80 C of the Income Tax Act, 1961.

Flexibility

Option to increase Premium Payment Term and Policy Term

Eligibilty Criteria

Plan Option Platinum Platinum Plus
Min Entry Age*
Life Assured - 0 Years (30 Days)
Policyholder - 18 Years
Life Assured - 0 Years (30 Days)
Policyholder - 18 Years
Max Entry Age*
For Life Assured
Policy Term Years
10 - 14 50 Years
15 - 40 55 Years
For Life Assured/Policyholder
Policy Term Years
10 - 14 50 Years
15 - 40 55 Years
Plan Option Platinum Platinum Plus
Maturity Age*
Minimum - 18 Years
Maximum - 75 Years
Minimum - 18 Years
Maximum - 75 Years
Minimum Policy Term
PPT Policy Term
5 Pay, 7 Pay,
Regular Pay		 10 Years
10 Pay 15 Years
PPT Policy Term
5 Pay, 7 Pay,
Regular Pay		 10 Years
10 Pay 15 Years
Maximum Policy Term
PPT Policy Term
5 Pay, 7 Pay, 10 Pay 40 Years
Regular Pay 40 Years
Life Assured is Minor^
PPT Policy Term
5 Pay, 7 Pay, 10 Pay 40 Years
Regular Pay 30 Years Less Entry Age
Life Assured is Major^ (Age >=18)
PPT Policy Term
5 Pay, 7 Pay, 10 Pay 40 Years
Regular Pay 40 Years
Maximum Premium
Premium
Payment Mode		 Amount
Yearly 50,000
Half Yearly 30,000
Quaterly 15,000
Monthly 5,000
Premium
Payment Mode		 Amount
Yearly 50,000
Half Yearly 30,000
Quaterly 15,000
Monthly 5,000
Maximum Annualised
Premium		 2,50,000 2,50,000
Minimum Sum Assured 5,00,000 (10 times of Annualised Premium) 5,00,000 (10 times of Annualised Premium)
Maximum Sum Assured 25,00,000 (10 times of Annualised Premium) 25,00,000 (10 times of Annualised Premium)
Premium Payment Frequency Yearly, Half-Yearly, Quaterly, Monthly Yearly, Half-Yearly, Quaterly, Monthly
*Age is age last birthday
*At date of commencement of policy. Where, Annualized Premium means premium amount payable in a year excluding the taxes, rider premiums and underwriting extra premium on riders, if any.

How it works

A 35-years old, healthy male opts for SUD Life e-Wealth Royale, Plan Option - Platinum & chooses 100% allocation in Blue Chip Fund. He chooses a monthly premium of 5,000 to be paid for 20 years (PPT) & a policy term of 20 years. Hence, total premium payable is 12,00,000.

+ These assumed rates of returns are not guaranteed, and they are not the upper or lower limits of what you might get back, as the value of the fund is dependent on a number of factors including future investment performance

Tell us about you

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