Insurance

SUD Life e-Wealth Royale

A unit-linked, non-participating life plan with Platinum and Platinum Plus options, 0-year-30-day minimum life-assured age, and ₹24,000 minimum annual premium for limited/regular pay.

Policy typeUnit-linked, non-participating individual life-insurance plan; investment risk is borne by the policyholder.InsurerStar Union Dai-ichi Life Insurance Company Limited (SUD Life); BOI distributes the policy as corporate agent.

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✓ Manually checked 30 Aug 2026 · active

Offered byBank of India

India; subject to SUD Life 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 typeUnit-linked, non-participating individual life-insurance plan; investment risk is borne by the policyholder.View source

BOI identifies the product as a unit-linked non-participating individual plan.

Source: SUD Life e-Wealth Royale
Page / section: Benefits / disclaimer
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

InsurerStar Union Dai-ichi Life Insurance Company Limited (SUD Life); BOI distributes the policy as corporate agent.View source

The BOI disclaimer identifies SUD Life as underwriter and BOI as corporate agent.

Source: SUD Life e-Wealth Royale
Page / section: Disclaimer
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Entry ageLife assured minimum age is 30 days; policyholder minimum age is 18 years. Maximum life-assured age varies by policy term and annual premium: 45 years for 10–19-year terms and 55 years for 20–40-year terms in the published eligibility schedule.View source

The official SUD Life eligibility table publishes minimum ages and age bands by policy term.

Source: SUD Life e-Wealth Royale
Page / section: Eligibility Criteria
Accessed: 30 Aug 2026
Confidence: high

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Policy term and premium termPlatinum: single pay 10–40 years; 5/7/regular pay minimum 10 years; 10-pay minimum 15 years and maximum 40 years. Platinum Plus: 5/7/regular pay 10–40 years and 10-pay 15–40 years; single pay is not applicable.View source

The official plan table publishes policy-term boundaries by plan option and premium term.

Source: SUD Life e-Wealth Royale
Page / section: Eligibility Criteria
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

PremiumMinimum premium: single pay ₹2,50,000; yearly ₹24,000; half-yearly ₹12,000; quarterly ₹6,000; monthly ₹2,000. Maximum annualised premium for limited/regular pay is ₹2,50,000; single pay is as per board-approved underwriting policy.View source

The official page publishes the complete minimum-frequency table and maximum annualised premium rule.

Source: SUD Life e-Wealth Royale
Page / section: Minimum Premium / Maximum Annualised Premium
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Sum assuredSingle pay minimum sum assured is ₹3,12,500 (1.25× single premium) and is otherwise as per board-approved underwriting policy. Limited/regular pay minimum is ₹2,40,000 (10× annualised premium), with maximum ₹25,00,000.View source

The official page publishes minimum and maximum cover formulas/amounts for single and limited/regular pay.

Source: SUD Life e-Wealth Royale
Page / section: Minimum Sum Assured / Maximum Sum Assured
Accessed: 30 Aug 2026
Confidence: high

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Published benefitsTwo options (Platinum and Platinum Plus); no allocation charge; return of policy-administration and mortality charges on maturity subject to policy status; loyalty additions from the end of year 6 through the premium-paying term; wealth boosters every five years from the end of year 10; partial withdrawals and fund switching subject to terms.View source

The brochure lists both options, charge returns, loyalty additions, wealth boosters, withdrawals and switching.

Source: SUD Life e-Wealth Royale brochure
Page / section: Key Features
Accessed: 30 Aug 2026
Confidence: high

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Waiting period / lock-inPartial withdrawals are not available during the first five policy years; the ULIP lock-in and discontinuance rules apply as stated in the policy document.View source

The official brochure states that partial withdrawals are unavailable during the first five policy years.

Source: SUD Life e-Wealth Royale brochure
Page / section: Partial withdrawal conditions
Accessed: 30 Aug 2026
Confidence: high

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Key exclusionsMarket and investment risk is borne by the policyholder; charge-return features do not apply to surrendered or discontinued policies as described in the BOI summary. Complete exclusions are in the policy wording.View source

The BOI page states investment risk and the conditions on charge returns.

Source: SUD Life e-Wealth Royale
Page / section: Benefits / Disclaimer
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Platinum and Platinum Plus options
Minimum annual premium ₹24,000 for yearly limited/regular pay
Minimum cover ₹2,40,000 for limited/regular pay
Loyalty additions from year 6
Wealth boosters every 5 years from year 10
Partial withdrawals after five-year lock-in

Eligibility

Life-assured age starts at 30 days; maximum age depends on term and premium band.

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

Documents the bank lists

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

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Investment growth projection

See how a starting amount and regular monthly investments could grow. The return is only an assumption and is not guaranteed.

Money invested todayYour one-time starting amount.₹one lakh rupees₹0₹1,00,00,000Money added every monthThe amount you plan to invest regularly.₹five thousand rupees₹0₹5,00,000Return you want to testA yearly growth assumption, not a promised return.%0%30%How long you investThe number of years the money stays invested. years1 years40 years

Possible value at the end₹13,03,464thirteen lakh three thousand four hundred sixty-four rupees

Money you put in₹7,00,000seven lakh rupees

Possible growth₹6,03,464six lakh three thousand four hundred sixty-four 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.

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Payment modeChoose column

Single pay · Minimum premium₹2,50,000two lakh fifty thousand rupees

This value is copied from SUD Life e-Wealth Royale — premium and cover schedule. Check the table notes before relying on it.

Source: SUD Life e-Wealth Royale · Minimum Premium / 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 · 4 columnsSUD Life e-Wealth Royale — premium and cover scheduleView tableHide table

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SUD Life e-Wealth Royale — premium and cover schedule
Payment mode	Minimum premium	Minimum sum assured	Maximum sum assured
Single pay	₹2,50,000	₹3,12,500 (1.25× premium)	As per BAUP
Yearly	₹24,000	₹2,40,000 (10× annualised premium)	₹25,00,000
Half-yearly	₹12,000	Based on annualised premium	₹25,00,000
Quarterly	₹6,000	Based on annualised premium	₹25,00,000
Monthly	₹2,000	Based on annualised premium	₹25,00,000

SUD Life e-Wealth Royale · Minimum Premium / Sum Assured · accessed 30 Aug 2026Open official source ↗

SUD Life e-Wealth Royale

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Investment growth projection

Find the exact published value

Complete rates, limits and schedules

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