SUD Life Guarantee Royale

UIN: 142N122V02 - A Non-Linked Non-Participating Individual Savings Life Insurance plan

SUD Life Guarantee Royale is a Non-linked, Non-Participating individual savings life insurance plan that provides insurance protection along with wealth creation. This plan that provides dual benefits of insurance coverage in case of your untimely demise and building a corpus for a secure future. It is the perfect plan for those seeking financial security, offering a guaranteed maturity benefit with Guaranteed Additions and loyalty additions, exclusive discounts, and flexible terms - all designed to maximize returns and protect your loved ones.

Guaranteed Lumpsum Benefit and Maturity loyalty additions at the end of policy term
Higher maturity benefit with higher premium^
Get higher sum assured on maturity, for policies purchased online^^
Special benefits for women*

Buy SUD Life Guarantee Royale Online

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What is SUD Life Guarantee Royale Plan?

Q: How does policy term affect Maturity Loyalty Additions (MLA) under the SUD Life Guarantee Royale Plan?

MLA is a percentage of one annualized premium based on the policy term and premium payment period. For a 20-year term, MLA is 200% of one annualized premium. For a 25-year term, MLA is 300% of one annualized premium. For a 30-year term, MLA is 400% of one annualized premium.

Q: How is the Sum Assured on Maturity dependent on the premium amount under the SUD Life Guarantee Royale Plan?

The Sum Assured on Maturity is calculated as the SAM factor multiplied by one annualized premium. A higher premium amount results in a higher Sum Assured on Maturity.

Q: What happens if I miss a premium payment under the SUD Life Guarantee Royale Plan?

A grace period of 30 days applies for quarterly, half-yearly, or yearly payments, and 15 days for monthly payments. If death occurs during this time, the death benefit is paid after deducting the due premium. If the premium is not paid within the grace period, the policy lapses if it has no surrender value, or continues with reduced benefits if it has a surrender value.

Q: What happens if I stop paying premiums after the first policy year of the SUD Life Guarantee Royale Plan?

If at least one full year's premium is paid and no further payments are made, the policy shifts to Reduced Paid-Up status. On survival till the end of the policy term, the Paid-Up Maturity Benefit is paid and the contract ceases. Paid-Up Maturity Benefit equals Paid-Up Sum Assured on Maturity plus Accrued Guaranteed Additions and Paid-Up Maturity Loyalty Additions.

Q: Can I take a loan against my SUD Life Guarantee Royale policy?

Yes, a loan can be availed once the policy acquires a surrender value. You can borrow up to 70% of the surrender value at the applicable interest rate, which is reviewed annually.

Q: What happens if the policyholder dies by suicide?

If death occurs due to suicide within 12 months of policy commencement, the nominee will receive the higher of 80% of the premium paid or the surrender value, provided the policy is active.

Q: What are the available premium payment frequencies under the SUD Life Guarantee Royale plan?

Available payment frequencies are Annual, Semi-annual, Quarterly, and Monthly. The premium modal factors are: Annual – 1, Semi-annual – 0.5108, Quarterly – 0.2582, Monthly – 0.0867.

SUD Life Guarantee Royale is a life insurance plan designed to offer financial security with assured benefits. It provides a guaranteed lump sum payout at the end of the policy term, ensuring long-term savings. The plan also offers an increasing death benefit through guaranteed additions, giving extra financial protection to loved ones. On surviving the policy term, a guaranteed maturity benefit is also given. Those who opt for higher premiums receive a greater maturity benefit. The plan also the plan provides guaranteed additions and maturity loyalty addition of a Maturity Loyalty Addition (MLA) at maturity if the policy is active. Women policyholders get a 5% discount on their First Year Annualized Premium, while online buyers enjoy a 20% higher sum assured on maturity. The plan comes with flexible premium payment and policy terms, allowing individuals to tailor it to their financial needs.

With its combination of guaranteed returns, increasing protection, and exclusive rewards, SUD Life Guarantee Royale is an ideal choice for securing one’s future while ensuring family stability.

Download Plan Related Documents

Product brochure (Prospectus)

Policy Presentation

Policy Document

Product CIS

Benefits of the SUD Life Guarantee Royale Plan

Here are the benefits that you get from the plan:

Guaranteed Maturity Benefit

Guaranteed Additions

Maturity Loyalty Addition

Death Benefit

SUD Life Accidental Death and Total & Permanent Disability Benefit Rider – Traditional

SUD Life Family Income Benefit Rider – Traditional

Why choose the SUD Life Guarantee Royale Plan?

SUD Life Guarantee Royale Plan is the ideal option for you because of the following points

Provides both life cover and savings, ensuring financial protection for your family.
Offers tax benefits on premiums paid and maturity payouts as per prevailing tax laws.
It can be started early, with eligibility for babies as young as 3 months old.
Ensures financial security for loved ones with an increasing death benefit.
Helps build a guaranteed corpus for future goals with assured maturity benefits.

Why Choose SUD Life?

1.52+ Cr Lives Covered

3rd Largest Life Insurer for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

20,000+

Distribution Points across India

31,000+ Cr

Assests Under Management

99.01% Claims Settlement Ratio

Individual Claims Settlement Ratio as on 31.03.2026

₹8,260 Crore

Gross Premium till 31.03.2025

4,500 Cr EV* (Dec '24)

*Indian Embedded Value 4,000 Cr (Mar'24)

Testimonials

Know why customers buy Life Insurance from us

Best Insurance Claim Support Team

Choosing SUD Life Insurance was one of the best decisions I've made for my family's future. Their attentive team made the entire process seamless, ensuring I found the perfect plan tailored to my needs.

Ramprakash Shivram Yadav

Companies in India for Life Insurance Policy with a Wide Reach

Suresh Gajanan Patil

PMJJBY Claim

I have visit at Nanded Branch for pmjjby death claim documents submitted i very thankful mr.. akash sir my uncle Pmjjby death payment received at 3dyas.

Yash Thakur

And Many More.

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(+91) - 7208 867122

Email

customercare@sudlife.in

Toll-Free Number

1800 266 8833
Monday to Saturday
09:00 AM to 07:00 PM

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Frequently asked questions (FAQs)

How does policy term affect Maturity Loyalty Additions (MLA) under the SUD Life Guarantee Royale Plan?

How is the Sum Assured on Maturity dependent on the premium amount under the SUD Life Guarantee Royale Plan?

What happens if I miss a premium payment under the SUD Life Guarantee Royale Plan?

What happens if I stop paying premiums after the first policy year of the SUD Life Guarantee Royale Plan?

Can I take a loan against my SUD Life Guarantee Royale policy?

What happens if the policyholder dies by suicide?

What are the available premium payment frequencies under the SUD Life Guarantee Royale plan?

MLA is a percentage of one annualised premium based on the policy term and premium payment period. For a 20-year term, MLA is 200% of one Annualized premium. For a 25-year term, MLA is 300% of one Annualized premium. For a 30-year term, MLA is 400% of one Annualized premium.