Insurance

SUD Life Fortune Royale

A non-linked participating individual savings plan with Income Benefit, Lumpsum Benefit and Child Future Secure options, 5–12-year premium terms and 11–25-year policy terms.

Policy typeNon-linked participating individual savings life-insurance plan with three benefit options: Income Benefit, Lumpsum Benefit and Child Future Secure.InsurerStar Union Dai-ichi Life Insurance Company Limited (SUD Life); BOI distributes the policy as corporate agent.Premium-paying and policy termsPPT 5 years → PT 11 or 15 years; PPT 7 years → PT 15 or 21 years; PPT 10 years → PT 21 or 25 years; PPT 12 years → PT 25 years.

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✓ 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 typeNon-linked participating individual savings life-insurance plan with three benefit options: Income Benefit, Lumpsum Benefit and Child Future Secure.View source

The BOI page identifies the participating plan and lists its three options.

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

Open official source ↗

Premium-paying and policy termsPPT 5 years → PT 11 or 15 years; PPT 7 years → PT 15 or 21 years; PPT 10 years → PT 21 or 25 years; PPT 12 years → PT 25 years.View source

The BOI table publishes all four /PT combinations.

Source: SUD Life Fortune Royale
Page / section: Premium Paying Term () and Policy Term (PT)
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum sum assured on deathMinimum SAD is ₹10,50,000 for 5-year PPT and ₹5,25,000 for 7-, 10- and 12-year PPT; the maximum is not published on the reviewed BOI page.View source

The BOI SAD table publishes ₹10,50,000 for 5 and ₹5,25,000 for 7/10/12 .

Source: SUD Life Fortune Royale
Page / section: Sum Assured on Death
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Published benefitsIncome Benefit, Lumpsum Benefit and Child Future Secure; death benefit includes SAD plus declared bonuses/guaranteed additions where applicable; maturity includes sum assured on maturity and applicable bonuses. Cash bonus may begin one year after PPT for Income Benefit; reversionary/terminal bonuses are not guaranteed.View source

The brochure describes the three options, death/maturity benefits and declared bonus treatment.

Source: SUD Life Fortune Royale brochure
Page / section: Benefits and bonus sections
Accessed: 30 Aug 2026
Confidence: high

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PremiumNo universal premium amount is published; premium is selected by the customer and depends on option, age, PPT/PT and underwriting.View source

The reviewed BOI page publishes terms and SAD minimums but no price table.

Source: SUD Life Fortune Royale
Page / section: Benefits / Policy term
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Entry ageMinimum life-assured entry age is 30 days. Maximum age depends on option and PPT: Income/Lumpsum up to 50 years for 5 PPT and 55 years for 7/10/12 PPT; Child Future Secure life assured up to 17 years and policyholder up to 55 years.View source

The brochure eligibility table publishes minimum age and option/-specific maximum ages.

Source: SUD Life Fortune Royale brochure
Page / section: Eligibility table
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Key exclusionsBonuses are payable only if declared and depend on policy status and option; complete exclusions and policy conditions are in the brochure and policy wording.View source

The brochure states that cash, reversionary and terminal bonuses are declaration-dependent.

Source: SUD Life Fortune Royale brochure
Page / section: Bonus and terms sections
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Waiting periodNo waiting-period duration is published in the reviewed BOI page or Fortune Royale brochure; benefit eligibility follows the policy commencement, underwriting and policy wording.View source

The reviewed official page and brochure publish /PT, SAD and bonus rules but no separate waiting-period duration.

Source: SUD Life Fortune Royale brochure
Page / section: Eligibility / Terms and conditions
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Three benefit options
5/7/10/12 years
PT 11–25 years by combination
SAD minimum ₹5,25,000 or ₹10,50,000 by
Participating bonuses if declared

Eligibility

Entry age starts at 30 days; maximum age depends on option and premium-paying term.

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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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.

Yearly household income to replaceThe income your family may need to replace.₹ten lakh rupees₹1,00,000₹1,00,00,000Years of income neededHow long your family may need that replacement income. years1 years30 yearsLoans still to be paidHome loans and other debts the cover may need to clear.₹twenty lakh rupees₹0₹5,00,00,000Cover and savings already availableExisting life cover and money already set aside for the family.₹five lakh rupees₹0₹5,00,00,000

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

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PPTChoose column

5 years · Policy term11 or 15 years

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

Source: SUD Life Fortune Royale · Policy term / Sum Assured on Death Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 3 columnsSUD Life Fortune Royale — published termsView tableHide table

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SUD Life Fortune Royale — published terms
	Policy term	Minimum SAD
5 years	11 or 15 years	₹10,50,000
7 years	15 or 21 years	₹5,25,000
10 years	21 or 25 years	₹5,25,000
12 years	25 years	₹5,25,000

SUD Life Fortune Royale · Policy term / Sum Assured on Death · accessed 30 Aug 2026Open official source ↗

SUD Life Fortune Royale

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

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