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Insurance

SUD Life Retirement Royale

A unit-linked, non-participating individual pension plan with Growth Plus and Secure Plus options, 10–40-year terms and 101% of total premiums assured under Secure Plus at vesting.

Policy typeUnit-linked, non-participating individual pension plan; investment risk in the portfolio is borne by the policyholder.InsurerStar Union Dai-ichi Life Insurance Company Limited (SUD Life); BOI distributes the policy as corporate agent.PremiumNo universal premium amount is published on the reviewed BOI page; the customer selects the premium amount and payment term.
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Quick eligibility check

SUD Life Retirement Royale

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 range is published on the reviewed BOI page?

Published source: Entry age

2Does your age meet this requirement: No numeric entry-age rule is published on the reviewed BOI page?

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 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 pension plan; investment risk in the portfolio is borne by the policyholder.View source
BOI identifies Retirement Royale as a unit-linked non-participating pension plan and states investment risk is borne by the policyholder.
Source
SUD Life Retirement Royale
Page / section
Product description
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 Retirement Royale
Page / section
Disclaimer
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Premium-paying and policy termsSingle pay: Growth Plus 10–40 years; Secure Plus 15–40 years. Regular pay: Growth Plus 10–40 years; Secure Plus 15–40 years. 5-pay, 8-pay and 10-pay: 15–40 years. 15-pay: 20–40 years.View source
The BOI policy-term table publishes all premium-term and option combinations.
Source
SUD Life Retirement Royale
Page / section
Policy Term
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Sum assuredMinimum sum assured is ₹10,50,000 for single pay and ₹2,63,550 for limited/regular pay; maximum has no stated limit subject to board-approved underwriting policy.View source
The BOI sum-assured table publishes both minimums and a no-limit maximum subject to underwriting.
Source
SUD Life Retirement Royale
Page / section
Sum assured
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Published benefitsGrowth Plus and Secure Plus options; return of policy-administration charges at term end; 12 free fund switches per year under self-managed strategy; guaranteed additions from the end of year 6 under Growth Plus; Secure Plus vesting benefit is the higher of fund value plus returned charges or 101% of total premiums; partial withdrawals after year 5 subject to terms; retirement proceeds may be used for annuity purchase.View source
The brochure lists both options, RoPAC, fund switching, guaranteed additions, 101% Secure Plus vesting and withdrawals.
Source
SUD Life Retirement Royale brochure
Page / section
Key features / maturity / withdrawal
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PremiumNo universal premium amount is published on the reviewed BOI page; the customer selects the premium amount and payment term.View source
The page says the life assured chooses the premium amount but publishes no universal minimum/maximum amount.
Source
SUD Life Retirement Royale
Page / section
Benefits / Policy term
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Entry ageNo numeric entry-age range is published on the reviewed BOI page.View source
The reviewed BOI page publishes term, option and sum-assured tables but no numeric entry-age rule.
Source
SUD Life Retirement Royale
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Lock-in and withdrawal conditionPartial withdrawals are not allowed during the first five policy years; after that they are limited by the policy wording and cannot cause termination.View source
The brochure states that partial withdrawal starts after the first five policy years and is subject to limits.
Source
SUD Life Retirement Royale brochure
Page / section
Partial withdrawal
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Key exclusionsInvestment risk is borne by the policyholder; RoPAC does not apply on surrender or discontinuance during the lock-in period. Complete exclusions and charges are in the policy wording.View source
BOI and the brochure state the investment-risk and RoPAC lock-in conditions.
Source
SUD Life Retirement Royale
Page / section
Benefits / Disclaimer
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Growth Plus and Secure Plus
  • 10–40-year Growth Plus terms
  • 15–40-year Secure Plus terms
  • 101% total-premium vesting floor under Secure Plus
  • RoPAC at policy term
  • Partial withdrawals after five years

Eligibility

  • No numeric entry-age rule is published on the reviewed BOI page.

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

Related official documents

SUD Life Retirement Royale brochureofficial-pdf · current · accessed 30 Aug 2026
↗
SUD Life Retirement 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.

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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.

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.

Single pay · Growth Plus policy term10–40 years

This value is copied from SUD Life Retirement Royale — published term and cover schedule. Check the table notes before relying on it.

Source: SUD Life Retirement Royale · 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 · 4 rows · 4 columnsSUD Life Retirement Royale — published term and cover scheduleView tableHide table

Scroll sideways to view every column

SUD Life Retirement Royale — published term and cover schedule
Premium-paying termGrowth Plus policy termSecure Plus policy termMinimum sum assured
Single pay10–40 years15–40 years₹10,50,000
Regular pay10–40 years15–40 years₹2,63,550
5/8/10 pay15–40 years15–40 years₹2,63,550
15 pay20–40 years20–40 years₹2,63,550
SUD Life Retirement Royale · Policy term / Sum assured · accessed 30 Aug 2026Open official source ↗

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