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Insurance

SUD Life Protect Shield

A non-linked non-participating individual term plan with life-cover, return-of-premium and critical-illness options.

Policy typeNon-linked non-participating individual term life-insurance plan (UIN 142N085V02).InsurerStar Union Dai-ichi Life Insurance Company (SUD Life); Bank of India is the distributing corporate agent.Policy term15-pay, 10-pay, 12-pay and regular-pay options: 15–40 years; 5-pay and 15-pay options shown with 20–40 years where specified on the page.
Official product page ↗Compare category

Quick eligibility check

SUD Life Protect Shield

0 of 2 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.

1Does your age meet this requirement: No numeric entry-age rule is published on the reviewed BOI page?

Published source: Entry age

2Do you meet this requirement: confirm with SUD Life before applying?

Published source: Entry age
0 of 2 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 typeNon-linked non-participating individual term life-insurance plan (UIN 142N085V02).View source
The page identifies the plan and three cover options: life cover, life cover with return of premium and life cover with critical illness.
Source
SUD Life Protect Shield
Page / section
Overview
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
InsurerStar Union Dai-ichi Life Insurance Company (SUD Life); Bank of India is the distributing corporate agent.View source
The disclaimer states that SUD Life underwrites the contract and BOI does not underwrite risk.
Source
SUD Life Protect Shield
Page / section
Disclaimer
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Policy term15-pay, 10-pay, 12-pay and regular-pay options: 15–40 years; 5-pay and 15-pay options shown with 20–40 years where specified on the page.View source
The page prints the policy-term ranges against each premium-paying-term group.
Source
SUD Life Protect Shield
Page / section
Premium Paying Term and Policy Term
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Sum insured / coverLife Cover option: ₹50 lakh only. Life Cover with Return of Premium: ₹50 lakh to ₹1.5 crore. Life Cover with Critical Illness: ₹50 lakh to ₹5 crore.View source
The Sum Assured tab lists the three option-specific minimum and maximum amounts.
Source
SUD Life Protect Shield
Page / section
Sum assured by option
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Key coverageLife cover; optional return of premium; optional critical-illness cover.View source
The Benefits tab lists the three available options.
Source
SUD Life Protect Shield
Page / section
Benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PremiumNo universal premium amount or rate table is published on the reviewed BOI page; premium depends on selected option, term, cover and underwriting.View source
The page publishes cover ranges and term choices but no premium table.
Source
SUD Life Protect Shield
Page / section
Benefits / Policy term / Sum assured
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Entry ageNo numeric entry-age rule is published on the reviewed BOI page; confirm with SUD Life before applying.View source
The page does not print an entry-age threshold.
Source
SUD Life Protect Shield
Page / section
Benefits / Policy term / Sum assured
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Waiting periodNo numeric waiting-period rule is published on the reviewed BOI page; consult the SUD Life policy wording for option-specific conditions.View source
The disclaimer directs customers to the sales brochure for terms and exclusions and does not print a waiting period.
Source
SUD Life Protect Shield
Page / section
Disclaimer
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Key exclusionsThe complete exclusions schedule is not printed on the reviewed BOI page; consult the sales brochure and policy wording.View source
The disclaimer directs customers to the sales brochure for exclusions.
Source
SUD Life Protect Shield
Page / section
Disclaimer
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsLife cover; optional return of premium; optional critical-illness cover.View source
The manually reviewed product record states: “Life cover; optional return of premium; optional critical-illness cover.”.
Source
SUD Life Protect Shield — official product page
Page / section
Published product metadata
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹50 lakh–₹5 crore cover options
  • Life, return-of-premium and critical-illness choices
  • 15–40 year term ranges

Eligibility

  • Subject to SUD Life underwriting.

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

Documents the bank lists

  • Application, identity/address and underwriting documents requested by SUD Life

Related official documents

SUD Life Protect Shield — 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.

Life Cover · Published cover₹50 lakh

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

Source: SUD Life Protect Shield · Benefits / 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 · 2 columnsSUD Life Protect Shield — published termsView tableHide table

Scroll sideways to view every column

SUD Life Protect Shield — published terms
OptionPublished cover
Life Cover₹50 lakh
Life Cover with Return of Premium₹50 lakh–₹1.5 crore
Life Cover with Critical Illness₹50 lakh–₹5 crore
Policy term15–40 years for listed 7/10/12/regular-pay group; 20–40 years for listed 5/15-pay group
PremiumNot published on reviewed BOI page
SUD Life Protect Shield · Benefits / Policy term / Sum assured · accessed 30 Aug 2026Open official source ↗

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