SUD Life Assured Returns Plan

UIN: 142N127V01 | A Non-Linked Non-Participating Individual Savings Life Insurance Plan

SUD Life Assured Returns Plan is a Non-Linked, Non-Participating, Individual, Savings Life Insurance plan. This plan blends protection with savings, thereby ensuring that your loved ones are financially secure in case of life’s uncertainties, while simultaneously helping you build a lump sum at maturity to support your future goals. SUD Life Assured Returns Plan offers financial security to your beneficiaries in case of an unfortunate event, guarantees a lump sum at maturity irrespective of market interest rate movement, and gives you the flexibility to choose your Sum Assured (SA) Multiple, Premium Payment Term, and Policy Term.

Sum Assured on Maturity at the end of the policy term.
Financial Security for loved ones – Get life cover in case of the unfortunate demise of the Life Assured.
High Premium Benefit - Higher the Premium, higher the Sum Assured on Maturity.
Flexible Premium Payment Term & Policy Term – you decide what to pay, and for how long.
Tax Benefits: as per prevailing norms under the Income Tax Act, 2025, amended from time to time.

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What is SUD Life Assured Returns Plan?

SUD Life Assured Returns Plan is a non-linked, non-participating individual savings life insurance plan designed to provide financial protection to your loved ones while helping you build a guaranteed corpus for your future goals. In the event of the life assured's unfortunate demise during the policy term, the nominee receives a lump sum death benefit, subject to the policy terms.

If the life assured survives till the end of the policy term and the policy remains in force, a guaranteed maturity benefit (Sum Assured on Maturity) is payable, calculated based on the applicable maturity factors and the policy terms.

The plan also offers flexible premium payment terms, guaranteed surrender value after the required premium payments, and the option to avail a policy loan against the surrender value, subject to policy conditions.

It is ideal for individuals seeking the combined advantage of life insurance protection and guaranteed savings, while enjoying the flexibility to choose their premium payment term, policy term, and Sum Assured multiple to meet their long-term financial goals.

Download Plan Related Documents

Product Brochure (Prospectus)

Policy Presentation

Policy Document

Product CIS

Benefits of SUD Life Assured Returns Plan

Here are the benefits that you get from the plan:

Guaranteed Maturity Benefit

Death Benefit

Loan Against Policy

Premium Payment Flexibility

How Does SUD Life Assured Returns Plan Work?

SUD Life Assured Returns Plan combines life insurance protection with guaranteed maturity benefits, helping you secure your family's future while building a corpus for your long-term goals.

1. Choose Your Sum Assured Multiple

Start by selecting a Sum Assured Multiple of 7 or 10, based on the level of life cover you need. This choice determines your Sum Assured on Demise and plays an important role in calculating your policy benefits.

2.Select Your Premium Payment Term and Policy Term

Choose a Premium Payment Term (PPT) of 5, 7, or 10 years. You can also select a Policy Term (PT) ranging from 10 to 30 years, depending on your financial goals and planning horizons. This flexibility allows you to align the plan with your savings and protection needs.

3.Pay Premiums in a Mode That Suits You

Pay your premiums regularly through annual, half-yearly, quarterly, or monthly modes. As long as the policy remains in force, you continue to enjoy life insurance protection and stay on track towards your maturity benefit.

4.Stay Protected Throughout the Policy Term

During the policy term, your loved ones remain financially protected through the Death Benefit. In the unfortunate event of the Life Assured's death while the policy is in force, the nominee will receive the Death Benefit as per the policy terms, helping provide financial security when it is needed most.

5.Receive Your Guaranteed Maturity Benefit

If the Life Assured survives until the end of the policy term and the policy remains in force, the Sum Assured on Maturity (SAM) will be paid as a lump sum. This benefit can help support important life goals such as retirement planning, wealth creation, children's education, or other future milestones.

6.Benefit from Higher Maturity Value with Higher Premiums

The plan includes a High Premium Benefit feature. Depending on the premium amount chosen, the Sum Assured on Maturity may increase, allowing you to build a larger corpus for your future financial goals.

7.Access Funds When Needed

Once the policy acquires surrender value, you may avail a Policy Loan of up to 70% of the surrender value, subject to policy conditions and applicable interest rates. This feature can help you meet unexpected financial needs without giving up your policy benefits.

8.Enjoy Added Flexibility During the Policy Term

The plan offers additional flexibility through features such as policy revival, surrender benefits, premium payment frequency options, and a free-look period. These features help you manage your policy more effectively as your needs evolve over time.

01. Why you should buy this plan?

Offers guaranteed maturity benefits, that help you plan your future with purpose and intent.

Enables you with the flexibility and ease of choosing your most-preferred premium payment term.

Guarantees a defined financial payout to your beneficiary/ies, calculated as the highest among the applicable policy benefit values, in case of an unfortunate event in your life.

Combines assured savings with life insurance protection for your loved ones.

02. When this plan is right for you?

You want to ensure financial security for your family even if you are not around.

You want to receive guaranteed lump sum amount at maturity irrespective of market interest rate movement.

You want to enjoy the flexibility to choose Sum Assured (SA) Multiple, Premium Payment Term & Policy Term.

Frequently asked questions (FAQs)

What’s the unique feature of this plan?

Who should consider this plan?

What do I get at the end of the policy term?

How does this plan protect my family’s financial future?

Can I access my funds during the policy term if needed?

What happens if I miss a premium payment?

Are there any tax benefits under this plan?

It combines life insurance protection with a guaranteed maturity benefit, helping you secure your family's future while building a corpus for your long-term goals. With flexible policy terms, premium payment options, and the High Premium Benefit feature, it offers a customised way to plan for tomorrow with confidence.