IN ULIPS, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. THE LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF CONTRACT. THE POLICYHOLDER WILL NOT BE ABLE TO SURRENDER OR WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

India’s wealth landscape is rapidly evolving. In 2026, SUD Life is serving over 15 million customers across more than 20,000 partner bank branches - a testament to the scale and ambition of modern Indians. As the ranks of High-Net-Worth Individuals swell and regulatory changes sharpen the need for careful, tax-savvy savings, finding a plan that adapts with your dreams is more urgent than ever. Seek the ideal ULIP plan with optimum returns for maximum long-term impact. Delaying smarter moves means missing out on years of growth.

What if you could combine long-term safety for your family with market-linked growth? This is exactly what a Unit Linked Insurance Plan (ULIP) like SUD Life e-Wealth Royale offers - a contender for the ideal ULIP plan with returns and life coverage. Instead of committing your savings only to rigid assets, this is a complete insurance product designed for unpredictable times.

So how does it work? Your premium provides life cover for your family and a savings plan that saves (as you direct) in India's capital markets - you elect and switch the funds as your life changes, and your family (if you were absent) is still financially secure.

Everybody has different dreams and risk tolerances. SUD Life e-Wealth Royale hands you the keys to 12 distinct fund options - a structure built to help you aim for the ideal ULIP plan with high returns. Prefer simplicity? Try the Age-Based Investment Strategy, where the fund automatically adapts as you get older ², reducing risk without you lifting a finger.

Fund Options –

1. Blue Chip Equity Fund (SFIN: ULIF 019 11/12/13 SUD-LI-EQ2 142)

2. Growth Plus Fund (SFIN: ULIF 023 11/12/13 SUD-LI-GR2 142)

3. Balanced Plus Fund (SFIN: ULIF 024 11/12/13 SUD-LI-BL2 142)

4. Mid-Cap Fund (SFIN: ULIF 026 14/10/19 SUD-LI-MID 142)

5. Income Fund (SFIN: ULIF 020 11/12/13 SUD-LI-BN2 142)

6. Gilt Fund (SFIN: ULIF 027 14/10/19 SUD-LI-GLT 142)

7. Dynamic Fund (SFIN: ULIF 028 11/06/21 SUD-LI-DYN 142)

8. Money Market Fund (SFIN: ULIF 029 11/06/21 SUD-LI-MMF 142)

9. Viksit Bharat Fund# (SFIN: ULIF 039 28/10/24 SUD-LI-VB1 142)

10. New India Leaders Fund (SFIN: ULIF 038 28/10/24 SUD-LI-NL1 142)

11. SUD Life Midcap Momentum Index Fund (SFIN: ULIF 034 27/12/24 SUD-LI-NMM 142)

12. SUD Life Nifty Alpha 50 Index Fund (SFIN: ULIF 041 26/07/25 SUD-LI-ALP 142)

Standard plans can erode returns through charges if you overlook them. SUD Life e-Wealth Royale does not have a premium allocation charge and returns policy administration charges to your fund after 10 years.

Save up to ₹1.5 lakh per year under Section 80C and get tax-adjusted maturity payouts under Section 10(10D), both under the Income Tax Act of 1961. From the 6th policy year, you can withdraw part of your fund (Only the first four partial withdrawals in a policy year are free) which can be beneficial in need for a lump sum for your child’s education or during an emergency.

Stay loyal, get rewarded! With SUD Life e-Wealth Royale, enjoy Loyalty Additions from the end of the 6th Policy Year till the end of the Premium Payment Term, and Wealth Boosters added to your fund value every 5 years starting from the end of the 10th Policy Year. These bonuses directly grow your fund value and help you beat inflation, especially over the long run.

Loyalty Additions: Added to your fund from the end of the 6th policy year

Wealth Boosters: 3% of average fund value (last 24 months), every 5th year from year 10 of your policy

Market conditions can often change, and a timely transition to tax regulations often favors those who do their tax planning early. With compounded growth and savings, loyalty bonuses, and reinvestment of key charges at maturity, if you delay your choices, you may miss the ideal years of growth. Additionally, the sooner you start, the greater the flexibility and value you will accumulate along the way.

Q1. What is SUD Life e-Wealth Royale?
It’s a flexible Unit Linked Insurance Plan combining long-term growth, safety, and insurance cover in a single plan. Premiums are saved in your chosen funds with full flexibility, while keeping your family’s future secure.

Q2. Is this the ideal ULIP for savings and safety?
Yes, if you want transparent knowledge on the charges, up to 12 free fund switches a year, the option for partial withdrawals, loyalty bonuses, and a refund of key charges at maturity. All with transparent, market-linked growth potential.

Q3. What are the benefits of a ULIP in 2026?
ULIPs such as SUD Life e-Wealth Royale are uniquely suited for today's environment: lower expenses, flexible guidelines, online access, partial withdrawal options, plus dual benefits of security and market return.

Building wealth in 2026 requires nimbleness, transparency, and a plan that adapts with you. SUD Life e-Wealth Royale provides market growth, flexible plans, and real safety for your family. Do something today - every wasted year is forever lost growth.

¹Loyalty Addition will be added to the fund by way of creation of extra units and shall be equal to 0.10% of avg. fund value of last 12 months. The benefit will be added only if all due premiums under the policy are paid up to date and in case of revival, no addition willbe made w.r.t past policy anniversary. The benefit will also not payable post completion of PPT for surrendered or discontinued or paid-up policies. Wealth Booster will be added to the fund by creation of extra units every 5th Policy Year starting from the end of 10th Policy Year and shall be equal to 3% of avg. fund value of last 24 months. The benefit is not applicable for surrendered or discontinued policies. Loyalty Addition is not applicable for Single Premium Payment Term.

²The mentioned strategy is applicable for these two funds only - SUD Life Blue Chip Equity Fund: SFIN ULIF 019 111213 & SUD Life Gilt Fund: SFIN ULIF 027 141019

Viksit Bharat Fund# - Viksit Bharat Fund" (SFIN: ULIF 039 28/10/24 SUD-LI-VB1 142) is a name of investment fund offered by SUD Life Insurance Company under its unit-linked life insurance products. This fund is independently managed by SUD Life and is neither endorsed by nor associated with any governmental programs or initiatives undertaken by the Government of India

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factor. The premium paid in Unit Linked Life Insurance Policies are subject to Investment Risks associated with Capital Markets and NAVs of units may go up or down based on the performance of the fund and factors influencing the Capital Market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document issued by the insurance company. The various funds offered under this product are the names of the funds and do not in any indicate the quality of these, their prospects and returns. The past performances of the funds are not indicative of the future performance of any of the funds available under this Policy. There are no guaranteed or assured returns in this policy, except under Discontinued Policies Fund where the minimum guaranteed interest will be as prescribed by the IRDAI from time to time. The policyholder can withdraw the invested amount only after the completion of five plan years.

SUD Life e-Wealth Royale | UIN: 142L082V03 | A Unit–Linked Non-Participating Individual Life Insurance Plan

Star Union Dai-ichi Life Insurance Company Limited | IRDAI Regn. No: 142 | CIN: U66010MH2007PLC174472

Registered Office: Unit no. 1101, 11th Floor, Building No. 1, Raheja Mindspace Juinagar, Plot No. GEN 2/1/E, TTC Industrial Area, MIDC Juinagar, Navi Mumbai – 400706 | 1800 266 8833 (Toll Free) | Timing: 9:00 am - 7:00 pm (Mon - Sat) | Email ID: customercare@sudlife.in | Visit: www.sudlife.in | For more details on risk factors, terms and conditions, please refer to the sales brochure carefully, before concluding the sale. Tax benefits are as per prevailing tax laws and subject to change from time to time. Trade-logo displayed belongs to M/s Bank of India, M/s Union Bank of India and M/s Dai-ichi Life International Holdings LLC and are being used by Star Union Dai-ichi Life Insurance Co. Ltd. under license.