{"uin":"142L104V01","name":"SUD Life Wealth PRO","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01","insurer":{"slug":"star-union-dai-ichi-life-insurance","name":"Star Union Dai-Ichi Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/star-union-dai-ichi-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"SUD Life Wealth PRO is a unit linked non-participating individual life insurance plan with Growth PRO and Loyalty PRO plan options. It has a 5 year lock-in, no premium allocation charge, a 30 day free-look period, and no policy loan or rider benefit.","analysis":{"state":"machine","analysed_at":"2026-10-20 07:31:56.065553+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Growth PRO","Loyalty PRO"],"display":"Growth PRO; Loyalty PRO","note":null,"quote":"Plan Option | Growth PRO/ Loyalty PRO","sources":[{"clause":null,"heading":"Policy Details","page":3,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-policy-details"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy terms are 10, 15, 20, 25, 30, 35 or 40 years for 5 and 7 pay; 15, 20, 25, 30, 35 or 40 years for 10 and 12 pay; and 15 to 40 years for regular pay.","display":"10 to 40 years, depending on premium paying term","note":"From the prospectus eligibility table.","quote":"Policy Term (PT) | PPT in YeaSrusm Assured Mu | ltiple (SAM) ofP ATn inn uYaelaizresd Premium\n5 & 7 | 10, 15, 20, 25, 30, 35 & 40\n10 & 12 | 15, 20, 25,30,35 & 40\nRegular Pay | 15 to 40","sources":[{"clause":null,"heading":"Know Your Plan Better","page":4,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31620#c-know-your-plan-better"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The policy says death claims must be notified in writing, but does not state a deadline.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Maturity claim: Original Policy Document","Maturity claim: Advance Discharge Voucher","Maturity claim: Any other document as may be requested by the Company","Death claim: Claim intimation form","Death claim: Attested copy of death certificate","Death claim: Original Policy Document","Death claim: Photo identity proof and address proof of Claimant","Death claim: Bank statement/passbook or cancelled cheque leaf with name of Nominee printed on the cheque","Death claim: Copy of Hospitalization documents (discharge summary, all investigation/diagnosis reports), wherever applicable","Death claim: Copies of First Information Report, Post Mortem Report, Panchnama, duly attested by police officials, in case of unnatural deaths"],"display":"Maturity: original policy document, advance discharge voucher and any other requested document. Death: claim intimation form, death certificate, original policy document, claimant KYC/address proof, bank proof, applicable hospital records, and police/FIR/PM/post-mortem documents for unnatural death.","note":null,"quote":"a) Maturity Claim - Following documents are required for processing the Maturity Claim.\ni) Original Policy Document\nii) Advance Discharge Voucher\niii) Any other document as may be requested by the Company ... b) Death Claim - All death claims must be notified to the Company in writing by the Beneficiary/Claimant preferably in the prescribed format provided by the Company, for registering a claim under this Policy along with the following documents:\ni) Claim intimation form;\nii) Attested copy of death certificate;\niii) Original Policy Document;\niv) Photo identity proof and address proof of Claimant. Wherever Nominee is minor, kindly submit KYC & bank proof of Appointee as well;\nv) Bank statement/passbook or cancelled cheque leaf with name of Nominee printed on the cheque;\nvi) Copy of Hospitalization documents (discharge summary, all investigation/diagnosis reports) in case the Life Insured was treated for any illness related to the cause of death, wherever applicable\nvii) Copies of First Information Report, Post Mortem Report, Panchnama, duly attested by police officials, in case of unnatural deaths including accidents, murder, suicide etc,","sources":[{"clause":"Part F(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-part-f-a"},{"clause":"Part F(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-part-f-b"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Death claims not requiring investigations are to be settled in 15 days. Early death claims requiring investigations have 45 days for decision and payment.","display":"15 days for death claims not requiring investigations; 45 days for early death claims requiring investigations","note":"From the CIS; the policy wording says claims are processed upon satisfactory proof but does not state a turnaround time.","quote":"The Company will decide and settle the claims within the following timelines: Death claims settlements (not requiring 15 days investigations) Early death claims requiring investigations - 45 days decision & payment","sources":[{"clause":"Row 4(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31607#c-row-4-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Death of the Life Insured due to suicide within 12 (Twelve) months from the Date of Commencement of Policy or from the date of Revival of the Policy"],"display":"Suicide within 12 months from commencement or revival pays only Fund Value, with specified charges added back.","note":null,"quote":"In the event of death of the Life Insured due to suicide within 12 (Twelve) months from the Date of Commencement of Policy or from the date of Revival of the Policy, as applicable, the Beneficiary/ Claimant shall be entitled to the Fund Value, as available on the date of intimation of death.\nFurther, any Charges other than Fund Management Charges recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.","sources":[{"clause":"Part F","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-part-f"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First submit a written complaint through the insurer's touchpoints such as toll-free number, email, customer care address, website, or branch. If not satisfied or there is no response within 14 days, write to the Grievance Redressal Unit, then to the Grievance Redressal Officer, before approaching IRDAI or the Ombudsman.","display":"Complain to SUD Life touchpoints first; after 14 days or unsatisfactory response, escalate to grievanceredressal@sudlife.in and then gro@sudlife.in.","note":null,"quote":"Grievance Redressal Mechanism has been set-up for the resolution of any dispute or grievances/ complaint in respect of Policy. You are requested to submit a written complaint at any of the below mentioned touch points: ... a) Toll Free No 1800 266 8833 Monday – Saturday from 9:00 am to 7:00 pm ... b) Email to Us at customercare@sudlife.in ... d) Online through website www.sudlife.in ... If You are not satisfied with the response provided by any of the above touch points or do not receive response within 14 (Fourteen) days, You may write to the Grievance Redressal Unit at grievanceredressal@sudlife.in ... To further escalate the matter, You may write to the Grievance Redressal Officer at gro@sudlife.in","sources":[{"clause":"Part G","heading":null,"page":31,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-part-g"},{"clause":"Part G(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-part-g-a"},{"clause":"Part G(b)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-part-g-b"},{"clause":"Part G(d)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-part-g-d"},{"clause":"Part G(e)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-part-g-e"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum Assured is the selected Sum Assured Multiple multiplied by Annualized Premium. The available multiples are 7 or 10 for entry age below 50 years and 5 or 10 for entry age 50 years and above, subject to death benefit option eligibility.","display":"Sum Assured = Sum Assured Multiple × Annualized Premium; multiples shown are 5, 7 or 10 depending on age and option.","note":"From the prospectus eligibility table; actual Sum Assured is selected at inception and shown in the schedule.","quote":"Sum Assured^ | Entry Age | Sum Assured Multiple (SAM) of Annualized Premium\nLife Secure | Life Secure Plus | Life Secure Income Plus\n< 50 years | 7 / 10 | 7 / 10\n>=50 years | 5 / 10 ... ^ Sum Assured is Sum Assured Multiple as selected by the policyholder multiplied by Annualized Premium","sources":[{"clause":null,"heading":"Know Your Plan Better","page":4,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31620#c-know-your-plan-better"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For Life Secure, after risk commencement the benefit is the higher of Sum Assured less relevant partial withdrawals, Fund Value as on death intimation with specified charges added back, or 105% of Total Premiums Paid; before risk commencement it is the higher of Fund Value with specified charges added back or 105% of Total Premiums Paid. Life Secure Plus pays the Sum Assured on death, waives and funds future premiums, and pays Fund Value at maturity; Life Secure Income Plus also pays monthly income equal to 1% of Sum Assured, subject to the stated duration rules.","display":"Life Secure: higher of adjusted Sum Assured, Fund Value, or 105% of total premiums paid. Life Secure Plus and Life Secure Income Plus add waiver/funding of future premiums and maturity Fund Value; Income Plus also pays 1% of Sum Assured monthly.","note":"Life Secure Income Plus monthly income is payable until the end of the policy term or 120 months, whichever is earlier, subject to a minimum of 36 monthly payments.","quote":"Life Secure | A. Where the risk has commenced under the Policy: The Death Benefit payable shall be higher of: (i) Sum Assured less relevant Partial Withdrawals^; or (ii) Fund Value* as on the date of intimation of death of the Life Insured after addition of Charges (if any) other than Fund Management Charges recovered subsequent to the date of death; or (iii) 105% of Total Premiums Paid _ B. Where the risk has not commenced under the Policy: The Death Benefit payable shall be higher of: (i) Fund Value* as on the date of intimation of death of the Life Insured after addition of Charges (if any) other than Fund Management Charges recovered subsequent to the date of death; or (ii) 105% of Total Premiums Paid ... Life Secure Plus | (i) Sum Assured, as specified in the Policy Schedule, will be payable on intimation of death of the Life Insured, subject to the claims assessment; (ii) All future Premiums payable under the Policy, if any, after the date of death of the Life Insured, will be waived off by the Company provided the Policy is in-force at the time of death; (iii) An amount equal to modal/instalment Premium will be funded/credited in/to the Policyholder’s account on each future Premium due date(s); (iv) Fund Value post adding Return of Policy Admin Charges, if any, at the prevailing NAV as on Maturity Date will be payable to the Beneficiary/Claimant. ... During the intermediate period, the Company will pay Monthly Income instalments equal to 1% of the Sum Assured subject to the following: ... The total Death Benefit will not be less than 105% of Total Premiums Paid by the Policyholder.","sources":[{"clause":"1(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-1-i"},{"clause":"1(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-1-iv"},{"clause":"1(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-1-b"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival of the Life Insured to the end of the Policy Term while the policy is in force, the insurer pays Fund Value at the prevailing NAV on the Maturity Date, along with Return of Mortality Charges and Return of Policy Administration Charges if applicable. The policy terminates on the Maturity Date.","display":"Fund Value at prevailing NAV on maturity, plus applicable return of charges.","note":null,"quote":"On survival of the Life Insured till the end of the Policy Term provided this Policy is in force, We will pay the Fund Value at the prevailing NAV as on Maturity Date along with the Return of Mortality Charges, if any, and Return of Policy Admin Charges, if any, as mentioned below under the Return of Charges provisions under Part C.\nThe Policy will terminate on the Maturity Date.","sources":[{"clause":"1(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-1-b"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium Paying Term options are 5, 7, 10, 12 years or Regular Pay.","display":"5, 7, 10, 12 years or Regular Pay","note":"From the prospectus eligibility table.","quote":"Premium Payment Term (PPT) (In Years) | 5/7/10/12/Regular Pay","sources":[{"clause":null,"heading":"Know Your Plan Better","page":4,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31620#c-know-your-plan-better"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 99 years for Life Secure. For Life Secure Plus it is 70 years for 5 Pay and Regular Pay, and 80 years for 7/10/12 Pay; for Life Secure Income Plus it is 65 years for 5 Pay and Regular Pay, and 70 years for 7/10/12 Pay.","display":"Up to 99 years for Life Secure; lower limits apply for Life Secure Plus and Life Secure Income Plus.","note":"From the prospectus eligibility table.","quote":"Maximum Maturity Age | 99 Years | 5 Pay, Regular Pay: 70 Years 7/10/12 Pay: 80 Years | 5 Pay, Regular Pay: 65 Years 7/10/12 Pay: 70 Years","sources":[{"clause":null,"heading":"Know Your Plan Better","page":4,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31620#c-know-your-plan-better"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from policy commencement or revival, the beneficiary or claimant receives the Fund Value available on the date of death intimation, with charges other than Fund Management Charges recovered after death added back.","display":"Within 12 months of commencement or revival: Fund Value on death intimation, plus specified charges added back.","note":null,"quote":"In the event of death of the Life Insured due to suicide within 12 (Twelve) months from the Date of Commencement of Policy or from the date of Revival of the Policy, as applicable, the Beneficiary/ Claimant shall be entitled to the Fund Value, as available on the date of intimation of death.\nFurther, any Charges other than Fund Management Charges recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.","sources":[{"clause":"Part F","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-part-f"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy may be surrendered any time during the Policy Term. During the Lock-in Period, Fund Value after applicable Discontinuance Charges is transferred to the Discontinued Policies Fund and paid at the end of the Lock-in Period; after the Lock-in Period, Fund Value on the surrender date is paid and the policy terminates immediately.","display":"Any time; during lock-in proceeds go to Discontinued Policies Fund and are paid after lock-in, after lock-in Fund Value is paid immediately.","note":"Under Life Secure Plus and Life Secure Income Plus, after the death of the Life Insured the policy cannot be surrendered or altered.","quote":"You may Surrender the Policy any time during the Policy Term. ... In case if You Surrender this Policy during the Lock-in Period , the Policy will get discontinued, and no risk cover will be available during the discontinued period. Upon receipt of such request, the Fund Value after deducting applicable Discontinuance Charges will be transferred to the Discontinued Policies Fund and risk cover shall cease. The proceeds of the Discontinued Policies Fund shall become payable to You at the end of Lock-in Period. ... In case if You Surrender this Policy after the completion of Lock-in Period, the Fund Value as on date of Surrender will be paid to You and the Policy will terminate immediately.","sources":[{"clause":"5","heading":"Surrender Value","page":16,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-5"},{"clause":"5(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-5-i"},{"clause":"5(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-5-ii"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If premiums are unpaid after the Lock-in Period and after the Grace Period, the policy converts to Reduced Paid-Up status and risk cover continues with Reduced Paid-Up Sum Assured. The life cover is the original Sum Assured multiplied by total premiums paid divided by the original number of premiums payable.","display":"After lock-in, non-payment converts the policy to Reduced Paid-Up with proportionately reduced life cover.","note":"Within the first 5 years, unpaid premium after the grace period leads to discontinuance and cessation of risk cover instead of reduced paid-up status.","quote":"If the due Premiums are not received by Us after the completion of Grace Period, then Your Policy will be converted into Reduced Paid-Up Policy and risk cover will continue with Reduced Paid-Up Sum Assured (i.e. original sum assured multiplied by the total period for which Premiums paid to the original period for which Premiums were payable, as per the terms and conditions of the Policy). ... In case of Discontinuance of the Policy due to non-payment of Premium within the Grace Period after the expiry of Lock-in Period of 5 (five) years, the Policy will be converted into Reduced Paid- Up Policy and will continue with Reduced Paid-Up benefits.","sources":[{"clause":"3(b)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-3-b-i"},{"clause":"3(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-3-a-5"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A discontinued or Reduced Paid-Up policy can be revived or reinstated within 3 years from the date of first unpaid premium, as per the company's Board Approved Underwriting Policy.","display":"3 years from the date of first unpaid Premium","note":null,"quote":"Revival Period | Refers to the period of 3 (Three) consecutive complete years from the date of first unpaid Premium of the Policy. ... The discontinued or Reduced Paid-Up Policy can be revived/ reinstated within the Revival Period of 3 (Three) years from the date of first unpaid Premium as per the Company’s Board Approved Underwriting Policy, which will be communicated by the Company in writing.","sources":[{"clause":"1","heading":"Definitions","page":5,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-1"},{"clause":"3(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-3-b-6"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"No Policy Loan facility is available under this policy.","display":"No policy loan facility","note":null,"quote":"No Policy Loan facility available under this Policy.","sources":[{"clause":"8","heading":"Policy Loan facility","page":16,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-8"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after 3 years from the later of issuance, commencement of risk, revival, or rider date. Within 3 years it may be questioned for fraud or material misstatement, with written communication of grounds and materials; for non-fraud misstatement, premiums collected till repudiation are payable within 90 days.","display":"After 3 years, policy cannot be questioned on any ground; within 3 years rules apply for fraud or material misstatement.","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from ... For this, the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based. ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":null,"page":38,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-1-5"},{"clause":"2","heading":null,"page":38,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-2-4"},{"clause":"6","heading":null,"page":38,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-6-4"},{"clause":"7","heading":null,"page":38,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-7-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The prospectus says income tax benefits may be available as amended from time to time and asks the policyholder to consult a tax advisor.","display":"Income tax benefits may be available; consult your tax advisor.","note":"From the prospectus.","quote":"J. Tax Benefit:\nIncome tax benefits may be available as amended from time to time. Please consult your tax advisor for further details.","sources":[{"clause":"14(I)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31620#c-14-i-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from date of receipt of this Policy Document","note":null,"quote":"You have a period of 30 (Thirty) days from date of receipt of this Policy Document, whether received electronically or otherwise, to review the terms and conditions of the Policy.","sources":[{"clause":"7","heading":"Free look cancellation","page":16,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-7"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for Yearly, Half Yearly, Quarterly; 15 days for Monthly","note":"The duration value uses the 30 day grace period; monthly mode has 15 days.","quote":"For payment of due Premiums, a Grace Period of 30 ( Thirty) days is available for Yearly, Half Yearly, Quarterly mode and 15 (Fifteen) days for Monthly mode from the Premium due date","sources":[{"clause":"3(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-3-a-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 0 Year (90 days) for Life Secure and 18 years for Life Secure Plus and Life Secure Income Plus. Maximum entry age is 65 years for Life Secure and 50 years for Life Secure Plus and Life Secure Income Plus.","display":"0 Year (90 days) to 65 years for Life Secure; 18 to 50 years for Life Secure Plus and Life Secure Income Plus.","note":"From the prospectus eligibility table.","quote":"Parameters | Life Secure | Life Secure Plus | Life Secure Income Plus\nMinimum Entry Age | 0 Year (90 days) | 18 Years\nMaximum Entry Age | 65 Years | 50 Years","sources":[{"clause":null,"heading":"Know Your Plan Better","page":4,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31620#c-know-your-plan-better"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["yearly","half yearly","quarterly","monthly"],"display":"yearly, half yearly, quarterly and monthly","note":null,"quote":"The Premium can be paid through following Premium Payment Frequencies available under the Policy i.e. yearly, half yearly, quarterly and monthly mode.","sources":[{"clause":"3(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-3-b"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Regular Pay","Limited Pay"],"display":"Regular Pay or Limited Pay","note":null,"quote":"Depending upon the Premium Payment Term, selected under the Policy , it can be any of the following: 1. Regular Pay where a level premium is paid throughout the Policy Term; Or 2. Limited Pay where the Premium is paid for a limited period, which shall be less than the Policy Term.","sources":[{"clause":"1","heading":"Definitions","page":5,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-1"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 years","note":null,"quote":"Lock-in Period | Refers to period of 5 (Five) consecutive completed years from the Date of Commencement of Policy during which period the proceeds of the Policy cannot be paid by Us to the Policyholder or Life Insured as the case may be, except in case of death or upon the happening of any other contingency covered under the Policy.","sources":[{"clause":"1","heading":"Definitions","page":5,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-1"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Blue Chip Equity Fund - High","Growth Plus Fund - Medium to High","Balanced Plus Fund - Low to Medium","Mid Cap Fund - Very High","Income Fund - Low to Medium","Gilt Fund - Low to medium","Dynamic Fund - High","Money Market Fund - Low","New India Leaders Fund - High","Viksit Bharat Fund - High","SUD Life Midcap Momentum Index Fund - High","SUD Life Nifty Alpha 50 Index Fund - High"],"display":"12 fund options, with risk profiles from Low to Very High.","note":null,"quote":"Blue Chip Equity Fund (SFIN: ULIF 019 11/12/13 SUD-LI-EQ2 142) ... Risk Profile\nEquity, Preference Shares and Convertible Debentures | The Fund seeks to achieve long term capital appreciation by investing predominantly in Equity, Preference Shares and Convertible Debentures. | 70% | 100% | High ... Growth Plus Fund (SFIN: ULIF 023 11/12/13 SUD-LI-GR2 142) ... | 40% | 100% | Medium to High ... Balanced Plus Fund – (SFIN: ULIF 024 11/12/13 SUD-LI-BL2 142) ... | 0% | 60% | Low to Medium ... Mid Cap Fund (SFIN: ULIF 026 14/10/19 SUD-LI-MID) ... | 70% | 100% | Very High ... Income Fund (SFIN: ULIF 020 11/12/13 SUD-LI-BN2 142) ... | 0% | 0% | Low to Medium ... Gilt Fund (SFIN: ULIF 027 14/10/19 SUD-LI-GLT 142) ... Low | to\nState Governments. A portion of the | medium ... Dynamic Fund (SFIN: ULIF 028 11/06/21 SUD-LI-DYN 142) ... High ... Money Market Fund (SFIN: ULIF 029 11/06/21 SUD-LI-MMF 142) ... Low ... New India Leaders Fund (SFIN: ULIF 038 28/10/24 SUD-LI-NL1 142) ... | 80% | 100% | High ... Viksit Bharat Fund (SFIN: ULIF 039 28/10/24 SUD-LI-VB1 142) ... High ... SUD Life Midcap Momentum Index Fund (SFIN: ULIF 034 27/12/24 SUD-LI-NMM 142) ... Risk Profile High ... SUD Life Nifty Alpha 50 Index Fund (SFIN: ULIF 041 26/07/25 SUD-LI -ALP 142) ... | 80% | 100% | High","sources":[{"clause":null,"heading":"Blue Chip Equity Fund (SFIN: ULIF 019 11/12/13 SUD-LI-EQ2 142)","page":24,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-blue-chip-equity-fund-sfin-ulif-019-11-12-13-sud"},{"clause":null,"heading":"Growth Plus Fund (SFIN: ULIF 023 11/12/13 SUD-LI-GR2 142)","page":24,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-growth-plus-fund-sfin-ulif-023-11-12-13-sud-li-g"},{"clause":null,"heading":"Balanced Plus Fund – (SFIN: ULIF 024 11/12/13 SUD-LI-BL2 142)","page":24,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-balanced-plus-fund-sfin-ulif-024-11-12-13-sud-li"},{"clause":null,"heading":"Mid Cap Fund (SFIN: ULIF 026 14/10/19 SUD-LI-MID)","page":24,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-mid-cap-fund-sfin-ulif-026-14-10-19-sud-li-mid"},{"clause":null,"heading":"Income Fund (SFIN: ULIF 020 11/12/13 SUD-LI-BN2 142)","page":24,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-income-fund-sfin-ulif-020-11-12-13-sud-li-bn2-14"},{"clause":null,"heading":"Gilt Fund (SFIN: ULIF 027 14/10/19 SUD-LI-GLT 142)","page":24,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-gilt-fund-sfin-ulif-027-14-10-19-sud-li-glt-142"},{"clause":null,"heading":"Dynamic Fund (SFIN: ULIF 028 11/06/21 SUD-LI-DYN 142)","page":25,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-dynamic-fund-sfin-ulif-028-11-06-21-sud-li-dyn-1"},{"clause":null,"heading":"New India Leaders Fund (SFIN: ULIF 038 28/10/24 SUD-LI-NL1 142)","page":25,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-new-india-leaders-fund-sfin-ulif-038-28-10-24-su"},{"clause":null,"heading":"Viksit Bharat Fund (SFIN: ULIF 039 28/10/24 SUD-LI-VB1 142)","page":26,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-viksit-bharat-fund-sfin-ulif-039-28-10-24-sud-li"},{"clause":null,"heading":"SUD Life Midcap Momentum Index Fund (SFIN: ULIF 034 27/12/24 SUD-LI-NMM 142)","page":26,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-sud-life-midcap-momentum-index-fund-sfin-ulif-03"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Nil.","display":"Nil","note":null,"quote":"a) Premium Allocation Charge: Nil","sources":[{"clause":"12(a)","heading":"Premium Allocation Charge","page":21,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-12-a"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Policy Administration Charge applies only for Loyalty PRO. It is 0.25% of Annualized Premium per month, capped at Rs. 500, deducted in advance on the first Working Day of every policy month by cancellation of units.","display":"Loyalty PRO only: 0.25% of Annualized Premium per month, capped at Rs. 500","note":"Growth PRO has no Policy Administration Charge as per the plan option description in the prospectus; the policy wording states the charge applies only to Loyalty PRO.","quote":"b) Policy Administration Charges (Applicable only for Plan Option: Loyalty PRO): The Company will deduct Policy Administration Charge of 0.25% of Annualized Premium per month with a maximum capping of Rs. 500/- (Rupees Five Hundred only) in advance on the first Working Day of every Policy month by cancellation of Units at the prevailing Unit rates.","sources":[{"clause":"12(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-12-b"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Annual FMC is 1.35% for Blue Chip Equity, Growth Plus, Mid Cap, Dynamic, New India Leaders, Viksit Bharat and SUD Life Nifty Alpha 50 Index; 1.30% for Balanced Plus, Income, Gilt and SUD Life Midcap Momentum Index; 1.00% for Money Market; and 0.50% for Discontinued Policies Fund.","display":"1.00% to 1.35% p.a. by fund; Discontinued Policies Fund 0.50% p.a.","note":"FMC is priced in the NAV daily.","quote":"Blue Chip Equity Fund | ULIF 019 11/12/13 SUD-LI-EQ2 142 | 1.35% ... Growth Plus Fund | ULIF 023 11/12/13 SUD-LI-GR2 142 | 1.35% ... Balanced Plus Fund | ULIF 024 11/12/13 SUD-LI-BL2 142 | 1.30% ... Income Fund | ULIF 020 11/12/13 SUD-LI-BN2 142 | 1.30% ... Mid Cap Fund | ULIF 026 14/10/19 SUD-LI-MID 142 | 1.35% ... Gilt Fund | ULIF 027 14/10/19 SUD-LI-GLT 142 | 1.30% ... Dynamic Fund | ULIF 028 11/06/21 SUD-LI-DYN 142 | 1.35% ... Money Market Fund | ULIF 029 11/06/21 SUD-LI-MMF 142 | 1.00% ... New India Leaders Fund | ULIF 038 28/10/24 SUD-LI-NL1 142 | 1.35% ... Viksit Bharat Fund | ULIF 039 28/10/24 SUD-LI-VB1 142 | 1.35% ... SUD Life Midcap Momentum Index Fund | ULIF 034 27/12/24 SUD-LI-NMM 142 | 1.30% ... SUD Life Nifty Alpha 50 Index Fund | ULIF 041 26/07/25 SUD-LI-ALP 142 | 1.35% ... Discontinued Policies Fund | ULIF 018 03/06/11 SUD-UL-DP1 142 | 0.50%","sources":[{"clause":"12(c)","heading":"Fund Management Charges (FMC)","page":21,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-12-c"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality Charges are levied on Sum at Risk for providing life cover and recovered monthly on the first Working Day of each Policy month by cancelling units. Monthly Mortality Charge equals Sum at Risk multiplied by Annual Mortality Charge divided by 12000, with annual mortality charges depending on age last birthday.","display":"Monthly charge on Sum at Risk: Sum at Risk × Annual Mortality Charge / 12000","note":"Annual Mortality Charge per Rs. 1000 Sum At Risk is given in Annexure A.","quote":"Under this Policy, the Company will levy Mortality Charges on the ‘Sum at Risk’ for providing life cover to the Life Insured. ... Mortality Charges are recovered on a monthly basis, on the first Working Day of each Policy month by way of cancellation of appropriate number of Units. ... Monthly Mortality Charges = Sum at Risk * (Annual Mortality Charge / 12000), where the Annual Mortality Charges depend on Age last birthday of Life Insured as on date of calculation.","sources":[{"clause":"Row 4(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-row-4-i"},{"clause":"Row 4(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-row-4-ii"},{"clause":"Row 4(iv)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-row-4-iv"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"If discontinued in policy years 1 to 4, charges are based on the lower of Annualized Premium or Fund Value, with percentages and caps varying by Annualized Premium band; from policy year 5 onward the charge is Nil.","display":"Years 1 to 4: lower of AP or FV at stated percentages/caps; 5 and onwards: Nil.","note":"The left column applies where Annualized Premium is up to Rs. 50,000; the right column applies where Annualized Premium is above Rs. 50,000.","quote":"d) Surrender or Discontinuance Charges: The Company will levy the following Surrender/Discontinuance Charges on the Annualized Premium (“AP”) or Fund Value (“FV”) whichever is lower: ... 1 | Lower of 20% * (AP or FV) subject to a maximum of Rs. 3,000/- | Lower of 6% * (AP or FV) subject to a maximum of Rs. 6000/- ... 2 | Lower of 15% * (AP or FV) subject to a maximum of Rs. 2,000/- | Lower of 4% * (AP or FV) subject to a maximum of Rs. 5000/- ... 3 | Lower of 10% * (AP or FV) subject to a maximum of Rs. 1,500/ | Lower of 3% * (AP or FV) subject to a maximum of Rs. 4000/- ... 4 | Lower of 5% * (AP or FV) subject to a maximum of Rs. 1,000/- | Lower of 2% * (AP or FV) subject to a maximum of Rs. 2000/-\n5 and onwards | Nil | Nil","sources":[{"clause":"12(d)","heading":"Surrender or Discontinuance Charges","page":21,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-12-d"},{"clause":"Row 1","heading":"Lower of 20% * (AP or FV) subject to a maximum of Rs. 3,000/-","page":21,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-row-1"},{"clause":"Row 2","heading":"Lower of 15% * (AP or FV) subject to a maximum of Rs. 2,000/-","page":21,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-row-2"},{"clause":"Row 3","heading":"Lower of 10% * (AP or FV) subject to a maximum of Rs. 1,500/","page":21,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-row-3"},{"clause":"Row 4","heading":"Lower of 5% * (AP or FV) subject to a maximum of Rs. 1,000/-","page":21,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-row-4"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Switching is allowed during the policy term under the Self-Managed Investment Strategy with minimum switch amount Rs.5,000 and no switching charge. Partial withdrawals are not allowed in the first 5 policy years or while the Life Insured is a minor; from the 6th policy year or majority, all partial withdrawals in a policy year are free, minimum Rs. 1,000, and maximum Fund Value less 2 years' Annualized Premiums. Systematic Withdrawal Plan is available from the 11th policy year or majority, whichever is later, subject to conditions.","display":"Free switches, minimum Rs.5,000; free partial withdrawals from 6th policy year or majority, minimum Rs. 1,000; SWP from 11th policy year or majority.","note":"Partial withdrawals are not allowed during the settlement period; Life Secure Plus and Life Secure Income Plus also restrict withdrawals after death.","quote":"Any amount of Fund Value can be switched out subject to a minimum amount of Rs.5,000/- (Rupees Five Thousand only). Switch request may be for an absolute amount or a percentage of the Fund Value.\n(ii) Switching is allowed during the Policy Term. ... An option to perform Fund switch is available only under Self-Managed Investment Strategy and no Charges applicable for switching. ... Partial Withdrawals are not allowed during the first 5 (Five) Policy Years or when the Life Insured is a Minor.\n(ii) It is allowed from the 6th (Sixth) Policy Year onwards or when the Life Insured attains the Age of majority, whichever is later.\n(iii) All Partial Withdrawals in a Policy Year are free. ... a) Minimum Partial Withdrawal amount allowed is Rs. 1,000/- (Rupees One Thousand only). ... b) Maximum Partial Withdrawal: Fund Value less 2 (Two) years’ Annualized Premiums at any point of time during the Policy Term. The minimum Fund balance under this Policy after the Partial Withdrawal should be at least equal to 2 (Two) years’ Annualized Premiums. ... iv) The withdrawals will start from 11th Policy Year onwards or after the Life Insured attains Majority, whichever is later.","sources":[{"clause":"9(d)(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-9-d-iv"},{"clause":"9(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-9-a-3"},{"clause":"9(b)","heading":"Maximum Partial Withdrawal","page":18,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603#c-9-b-2"}],"law":[]}],"documents":[{"kind":"wording","label":"SUD Life Wealth PRO Policy Document","pages":38,"fetched_at":"2026-10-20 00:58:51+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/PD_Wealth_Pro_V_1_2_11092026_Final_Website_bee9a27ed5.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31603"},{"kind":"prospectus","label":"SUD Life Wealth PRO Product brochure (Prospectus)","pages":33,"fetched_at":"2026-10-20 00:59:47+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/Wealth_Pro_Brochure_Ver_04_4591b64525.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31620"},{"kind":"cis","label":"SUD Life Wealth PRO Product CIS","pages":5,"fetched_at":"2026-10-20 00:59:13+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/CIS_Wealth_Pro_V1_12092026_Final_Website_63f7457ae5.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01/document/31607"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Star Union Dai-Ichi Life Insurance official website","url":"https://www.sudlife.in/","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"SUD Life Wealth PRO (UIN 142L104V01), IndiaInsurances, https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-wealth-pro-142l104v01"}