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Insurance

SUD Life Century Royale

A SUD Life guaranteed savings plan with 7-pay and 12-pay options, life cover up to 45 years and age-based entry rules.

Policy typeIndividual non-linked, non-participating savings life-insurance plan with guaranteed income, maturity benefit and life cover.InsurerStar Union Dai-ichi Life Insurance Company Limited (SUD Life); Bank of India distributes the policy as corporate agent.Entry ageFor 7-pay: minimum 18 years and maximum 55 years. For 12-pay: minimum 18 years and maximum 50 years (age last birthday).
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Quick eligibility check

SUD Life Century Royale

0 of 4 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: For 7-pay: minimum 18 years and maximum 55 years?

Published source: Entry age

2Does your age meet this requirement: For 12-pay: minimum 18 years and maximum 50 years (age last birthday)?

Published source: Entry age

3Does your age meet this requirement: Age last birthday?

4Does your age meet this requirement: maximum age differs by premium-paying option?

0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of India

India; subject to SUD Life underwriting and policy terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeIndividual non-linked, non-participating savings life-insurance plan with guaranteed income, maturity benefit and life cover.View source
The page labels Century Royale a non-linked non-participating individual savings life-insurance plan.
Source
SUD Life Century Royale
Page / section
Benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
InsurerStar Union Dai-ichi Life Insurance Company Limited (SUD Life); Bank of India distributes the policy as corporate agent.View source
The disclaimer identifies SUD Life as underwriter and BOI as corporate agent.
Source
SUD Life Century Royale
Page / section
Disclaimer
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Policy term and premium-paying choicesLife cover can run up to 45 years. For 7-pay, the maximum policy term is 45 years; for 12-pay, the maximum policy term is 40 years. Premium-paying terms are 7 years or 12 years.View source
The page footnote states maximum policy terms by 7-pay and 12-pay options and the benefits section states cover up to 45 years.
Source
SUD Life Century Royale
Page / section
Benefits / Policy term
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Sum assured formulaFor 7-pay, sum assured is 10 times the annualized premium throughout the policy term. For 12-pay, absolute sum assured is 10 times annualized premium during the first policy year.View source
The sum-assured section publishes separate 7-pay and 12-pay formulas.
Source
SUD Life Century Royale
Page / section
Sum assured
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Entry ageFor 7-pay: minimum 18 years and maximum 55 years. For 12-pay: minimum 18 years and maximum 50 years (age last birthday).View source
The eligibility section publishes separate maximum ages for 7-pay and 12-pay.
Source
SUD Life Century Royale
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Published benefitsGuaranteed income, maturity benefit and life cover; life cover for up to 45 years when policy remains in force; loan facility; tax benefits subject to prevailing law.View source
The benefits section publishes guaranteed income, maturity, life cover, loan and tax features.
Source
SUD Life Century Royale
Page / section
Benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PremiumA universal premium amount is not published; premium depends on sum assured, pay option, age and underwriting.View source
The page publishes premium-paying terms and sum-assured formulas but no price table.
Source
SUD Life Century Royale
Page / section
Policy term / Sum assured
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Waiting periodNo waiting-period schedule is published on the reviewed product page.View source
The page has no waiting-period table.
Source
SUD Life Century Royale
Page / section
Disclaimer
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Key exclusionsThe complete exclusions and policy conditions are not reproduced on the BOI summary; review the SUD Life brochure and wording.View source
The disclaimer directs customers to the sales brochure for risk factors and exclusions.
Source
SUD Life Century Royale
Page / section
Disclaimer
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • 7-pay or 12-pay
  • Life cover up to 45 years
  • Entry age 18–55 years (7-pay) or 18–50 years (12-pay)
  • Sum assured formula 10× annualized premium
  • Loan facility

Eligibility

  • Age last birthday; maximum age differs by premium-paying option.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Proposal, identity/age proof and documents requested by SUD Life

Related official documents

SUD Life Century Royale — official BOI pageofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Entry age · 7-pay18–55 years

This value is copied from SUD Life Century Royale — published terms. Check the table notes before relying on it.

Source: SUD Life Century Royale · Benefits / Eligibility / Policy term / Sum assured Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 5 rows · 3 columnsSUD Life Century Royale — published termsView tableHide table

Scroll sideways to view every column

SUD Life Century Royale — published terms
Parameter7-pay12-pay
Entry age18–55 years18–50 years
Maximum policy term45 years40 years
Sum assured10× annualized premium throughout term10× annualized premium in first policy year
Premium-paying term7 years12 years
BenefitsLife cover up to 45 years; loan facilityLife cover up to 40 years; loan facility
SUD Life Century Royale · Benefits / Eligibility / Policy term / Sum assured · accessed 30 Aug 2026Open official source ↗

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