{"uin":"142N122V02","name":"SUD Life Guarantee Royale","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02","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":"savings-life","category_name":"Endowment and savings plans","irdai_type":"Product","kind":"product","status":"active","approved_on":"2024-12-13","withdrawn_on":null,"summary":"SUD Life Guarantee Royale is a non-linked, non-participating individual savings life insurance plan with premium paying terms of 7 or 10 years. It pays a guaranteed maturity benefit with guaranteed additions and maturity loyalty addition, and its only stated exclusion is suicide within 12 months.","analysis":{"state":"machine","analysed_at":"2026-10-20 07:25:32.623761+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":["Base Plan"],"display":"Base Plan","note":null,"quote":"Plan Details | Sum Assured on Death (Rs.) | Installment Premium (Rs.) (a) | Applicable taxes (b) | Total Instalment Premium plus applicable taxes, if any (Rs.) (a+b)\nBase Plan","sources":[{"clause":null,"heading":"Policy Details","page":3,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#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":"15, 20, 25 or 30 years for a 7-year premium payment term; 20, 25 or 30 years for a 10-year premium payment term.","display":"15|20|25|30 Years for 7 Years PPT; 20|25|30 Years for 10 Years PPT","note":"From the sales brochure.","quote":"Premium Payment Term (PPT) | 7 | 10 Years\nPolicy Term (PT) | PPT | PT\n7 Years | 15|20|25|30 Years\n10 Years | 20|25|30 Years","sources":[{"clause":null,"heading":"Know Your Plan Better","page":4,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31745#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 to the Company in writing in the prescribed format, but it 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":["Original Policy Document","Advance Discharge Voucher","Claim intimation form","Attested copy of death certificate","Photo identity proof and address proof of Claimant","Bank statement/passbook or cancelled cheque leaf with name of Nominee printed on the cheque","Copy of Hospitalization documents (discharge summary, all investigation/diagnosis reports)","Copies of First Information Report, Post Mortem Report, Panchnama, duly attested by police officials"],"display":"Original Policy Document, Advance Discharge Voucher, claim intimation form, death certificate, identity/address proof, bank proof, hospital records if applicable, and police papers for unnatural deaths","note":null,"quote":"a) Maturity Claim - Following documents are required for processing the maturity claim.\ni) Original Policy Document\nii) Advance Discharge Voucher\nb) Death claim - All death claims to be notified to the Company in writing by the Nominee /Beneficiary 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":"10","heading":"Claims Processing","page":13,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-10"}],"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 decided and settled within 15 days; early death claims requiring investigations are to have decision and payment within 45 days. The CIS does not state when these periods are counted from.","display":"15 days for death claims not requiring investigations; 45 days for early death claims requiring investigations","note":"The CIS does not state whether the timeline is counted from intimation or from receipt of the last document.","quote":"The Company will decide and settle the claims within the following timelines:\nDeath claims settlements (not requiring investigations) | 15 days\nDeath claims settlements (not requiring 15 days investigations)\nEarly death claims requiring investigations - decision & payment | 45 days","sources":[{"clause":"2","heading":"Maturity Loyalty Addition (MLA) will be attached to the policy at the","page":2,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31667#c-2"}],"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":["Suicide within 12 months from the Date of Commencement of Risk or from the date of revival of the policy"],"display":"Suicide within 12 months from risk commencement or revival","note":null,"quote":"If the Life Insured (whether sane or insane) commits suicide within 12 months from the Date of Commencement of Risk or from the date of revival of the policy, the Policyholder/ Beneficiary/ Nominee shall be entitled to an amount which is higher of 80% of ‘Total premiums’ paid till the date of death of Life Insured or the Surrender Value available as on date of death of Life Insured, provided the policy is in force.","sources":[{"clause":"9","heading":"Suicide Exclusion","page":13,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-9"}],"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":"Submit a written complaint to SUD Life at its touchpoints: toll-free 1800 266 8833, customercare@sudlife.in, Customer Care address, website or a regional/branch office. If not satisfied or no response is received within 14 days, write to grievanceredressal@sudlife.in, then to the Grievance Redressal Officer at gro@sudlife.in before approaching IRDAI or the Ombudsman.","display":"First complain to SUD Life touchpoints; escalate after 14 days to grievanceredressal@sudlife.in and then gro@sudlife.in","note":null,"quote":"Grievance Redressal Mechanism has been set-up by the Company 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 between Monday – Saturday from 9:00 am to 7:00pm ... b) Email to Us at customercare@sudlife.in ... c) Write to Us at Customer Care, Star Union Dai-ichi Life Insurance Co. Ltd., 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. ... 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 a response within 14 days, You may write to Us 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":15,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-part-g"},{"clause":"Part G(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-part-g-a"},{"clause":"Part G(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-part-g-b"},{"clause":"Part G(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-part-g-c"},{"clause":"Part G(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-part-g-d"},{"clause":"Part G(e)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#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 on Death is 10.5 times the Annualized Premium. The sales brochure shows a minimum Sum Assured on Death of Rs. 3,78,000 and maximum as Board Approved Underwriting Policy (BAUP).","display":"Sum Assured on Death = 10.5 times Annualized Premium; minimum Rs. 3,78,000; maximum BAUP","note":"Minimum and maximum are from the sales brochure.","quote":"Where,\n(i) Sum Assured on Death is 10.5 times of Annualized Premium ... Sum Assured on Death# | 3,78,000 | Board Approved Underwriting Policy (BAUP) ... # Sum Assured on Death = 10.5 times the Annualized Premium","sources":[{"clause":"1(a)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-1-a-i"},{"clause":null,"heading":"Know Your Plan Better","page":4,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31745#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":"If the Life Insured dies during the policy term while the policy is in force, the death benefit is paid in lump sum and the policy terminates. It is the highest of Sum Assured on Death plus accrued Guaranteed Addition plus Guaranteed Addition for the year of death, Death Benefit factor multiplied by Guaranteed Maturity Benefit, or 105% of total premiums paid; if death occurs before risk commencement, 105% of total premiums paid is paid.","display":"Highest of SAD plus accrued GA plus GA for year of death, DB factor × GMB, or 105% of total premiums paid; before risk commencement, 105% of total premiums paid","note":"The death benefit is reduced by total premiums due and unpaid during the policy year of death.","quote":"In case of death of the Life Insured during the policy term provided the policy is in-force, the Company will pay the below stated Death Benefit in lumpsum to the Nominee/ Beneficiary and the Policy will terminate immediately:\nDeath Benefit will be highest of:\n• Sum Assured on Death plus Accrued Guaranteed Addition plus Guaranteed Addition for the year of death; or\n• Death Benefit factor multiplied by Guaranteed Maturity Benefit (GMB); or\n• 105% of the Total premiums paid as on date of death of the Life Insured. ... In case the death of the Life Insured occurs during the Policy Term provided the policy is in-force but the risk has not commenced, then the Company will pay a lumpsum death benefit equivalent to 105% of Total Premiums paid and the policy will terminate immediately.","sources":[{"clause":"1(a)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-1-a-i"},{"clause":"1(a)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-1-a-iii"}],"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 till the end of the policy term while the policy is in force, the Guaranteed Maturity Benefit is paid in lump sum and the contract terminates. GMB equals Sum Assured on Maturity plus Accrued Guaranteed Additions plus Maturity Loyalty Addition.","display":"GMB = Sum Assured on Maturity plus Accrued Guaranteed Additions plus Maturity Loyalty Addition","note":null,"quote":"On survival of Life Insured till the end of the Policy Term provided the policy is in-force, the Company will pay the following Guaranteed Maturity Benefit (GMB) in lumpsum.\nGMB = Sum Assured on Maturity plus Accrued Guaranteed Additions plus Maturity Loyalty Addition ... The contract will terminate on payment of maturity benefit.","sources":[{"clause":"1(a)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-1-a-iii"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"7 years or 10 years.","display":"7 Years/ 10 Years","note":null,"quote":"Policy Term | < > Years | Premium Paying Term (PPT) | 7 Years/ 10 Years","sources":[{"clause":null,"heading":"Policy Details","page":3,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-policy-details"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The maximum maturity age is 85 years.","display":"85 Years","note":"From the sales brochure.","quote":"Maturity Age (Age last birthday) | 20 Years | 85 Years","sources":[{"clause":null,"heading":"Know Your Plan Better","page":4,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31745#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 the Life Insured commits suicide within 12 months from the Date of Commencement of Risk or from revival, the Policyholder, Beneficiary or Nominee receives the higher of 80% of total premiums paid till death or the surrender value available on the date of death, provided the policy is in force.","display":"Higher of 80% of total premiums paid or surrender value, if suicide is within 12 months","note":null,"quote":"If the Life Insured (whether sane or insane) commits suicide within 12 months from the Date of Commencement of Risk or from the date of revival of the policy, the Policyholder/ Beneficiary/ Nominee shall be entitled to an amount which is higher of 80% of ‘Total premiums’ paid till the date of death of Life Insured or the Surrender Value available as on date of death of Life Insured, provided the policy is in force.","sources":[{"clause":"9","heading":"Suicide Exclusion","page":13,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-9"}],"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":"You can surrender the policy by written request any time after completion of the first policy year. The surrender value payable is the higher of Guaranteed Surrender Value or Special Surrender Value; Special Surrender Value is acquired after receipt of one full policy year premium and Guaranteed Surrender Value after receipt of the first two consecutive full policy year premiums.","display":"After completion of first policy year; higher of GSV or SSV","note":"Once surrendered, the policy terminates and no further benefits are payable.","quote":"You can surrender your policy by giving written request to the Company any time after completion of first policy year. Surrender Value payable will be higher of Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV).\nb) Special Surrender Value will be acquired after the receipt of one full Policy Year premiums, whereas the Guaranteed Surrender Value will be acquired after the receipt of first two consecutive full Policy Year premiums.","sources":[{"clause":"3","heading":"Surrender Value","page":10,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-3"}],"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 the first full policy year premiums are received and later premiums are not paid, the policy automatically converts to reduced paid-up. Paid-up death benefit and paid-up maturity benefit continue as reduced benefits, with paid-up sums assured based on total number of premiums paid divided by total number payable.","display":"Reduced paid-up after first full Policy Year premiums are received","note":null,"quote":"In case the due premiums for first full Policy Year are received by the Company and subsequently the Policyholder fails to make the payment of future premiums, the Policy will automatically be converted into a reduced paid-up policy. The Policy will continue with the reduced paid-up benefits as stated below ... Paid-up Sum Assured on Death is equal to Total number of Premium paid divided by total number of premium payable multiplied by Sum Assured on Death ... Paid-up Maturity Benefit = Paid-up Sum Assured on Maturity + Accrued Guaranteed Addition + Paid-up Maturity Loyalty Addition.","sources":[{"clause":"2(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-2-c"},{"clause":"2(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-2-b-2"}],"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 lapsed or reduced paid-up policy can be revived within five years from the due date of the first unpaid premium by submitting a written request, paying outstanding premiums with interest, and fulfilling medical requirements if required.","display":"Within 5 years from the date of first unpaid premium","note":null,"quote":"You may revive the lapsed Policy or Reduced Paid-Up policy within five years from the due date of the first unpaid Premium by following these simple steps:- ... Submit a written request to the Company within 5 years from the date of first unpaid premium; ... Pay all outstanding Premium amount with interest at the prevailing interest rate. ... Fulfilling all medical requirements as specified by the Company, if required.","sources":[{"clause":"2(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-2-b-2"},{"clause":"2(b)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-2-b-i"},{"clause":"2(b)(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-2-b-ii"},{"clause":"2(b)(iv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-2-b-iv"}],"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":"Policy loan is available after the policy has acquired surrender value, by assigning the policy document as collateral security. The loan can be up to 70% of surrender value at the applicable interest rate.","display":"Yes, up to 70% of Surrender Value after the policy acquires surrender value","note":null,"quote":"You can avail policy loan from the Company provided the policy has acquired surrender value by assigning the policy document as a collateral security. ... The policy loan can be availed upto 70% of Surrender Value at the applicable interest rate levied by the Company.","sources":[{"clause":"7(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-7-i"},{"clause":"7(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-7-ii"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["SUD Life Accidental Death and Total & Permanent Disability Benefit Rider – Traditional (UIN:142B005V01)","SUD Life Family Income Benefit Rider – Traditional (UIN:142B007V01)"],"display":"SUD Life Accidental Death and Total & Permanent Disability Benefit Rider; SUD Life Family Income Benefit Rider","note":"From the sales brochure. Riders are optional and available on payment of additional premium.","quote":"The following are the riders available under this product on payment of additional premium over and above the base premium provided conditions on rider (Entry Age, Policy Term, Premium Paying Term, Sum Assured etc.) are satisfied.\n1. SUD Life Accidental Death and Total & Permanent Disability Benefit Rider – Traditional (UIN:142B005V01) ... 2. SUD Life Family Income Benefit Rider – Traditional (UIN:142B007V01)","sources":[{"clause":null,"heading":"Are there any Riders available?","page":11,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31745#c-are-there-any-riders-available"},{"clause":"Row 5(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31745#c-row-5-b"}],"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 expiry of 3 years from the later of issuance, commencement of risk, revival, or rider date. Within 3 years, it may be called in question on the ground of fraud, and the insurer must communicate the grounds and materials in writing; it may also be called in question within 3 years for a material misstatement or suppression of fact.","display":"No questioning after 3 yrs; fraud or material misstatement only within 3 years with written grounds/materials","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from ... a) the date of issuance of policy or ... b) the date of commencement of risk or ... c) the date of revival of policy or ... d) the date of rider to the policy whichever is later.\n2. 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 the proposal or other document basis which policy was issued or revived or rider issued.","sources":[{"clause":"17","heading":null,"page":22,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-17"},{"clause":"17(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-17-a"},{"clause":"17(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-17-b"},{"clause":"17(c)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-17-c"},{"clause":"17(d)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-17-d"},{"clause":"17(d)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-17-d-2"},{"clause":"17(d)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-17-d-3"}],"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":"Income tax benefits may be available as amended from time to time, and the brochure asks the customer to consult a tax advisor.","display":"Income tax benefits may be available; consult your tax advisor","note":"From the sales brochure.","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":"Row 5(I)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31745#c-row-5-i"}],"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","note":null,"quote":"You have a period of 30 days from the date of receipt of this Policy document, whether received electronically or otherwise, to review the terms and conditions of this Policy.","sources":[{"clause":"5","heading":"Free Look cancellation","page":10,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-5"}],"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 annual, half yearly and quarterly mode; 15 days for Monthly mode","note":"The grace period is 15 days for monthly mode.","quote":"For payment of due premiums, Grace Period of 30 days is available for annual, half yearly, quarterly mode and 15 days for Monthly mode from the premium due date.","sources":[{"clause":"2(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-2-b"}],"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 Years 91 days and maximum entry age is 60 Years, on age last birthday basis.","display":"0 Years 91 days to 60 Years","note":"From the sales brochure.","quote":"Entry Age (Age last birthday) | 0 Years 91 days | 60 Years","sources":[{"clause":null,"heading":"Know Your Plan Better","page":4,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31745#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":["annual","half yearly","quarterly","monthly"],"display":"annual, half yearly, quarterly or monthly","note":"Monthly premium payments can be made only through NACH or Standing Instruction.","quote":"The Premium can be paid only through annual, half yearly, quarterly or monthly mode as chosen by the Policyholder. For Monthly modes, the premium payments can be made only through National Automated Clearing Houses (NACH) / Standing Instruction (SI) payment mode.","sources":[{"clause":"2(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-2-a"}],"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":["Limited premium"],"display":"Limited premium: 7 or 10 years PPT with longer policy terms","note":"From the sales brochure. The document gives premium paying terms of 7 or 10 years and policy terms longer than the premium paying term.","quote":"Premium Payment Term (PPT) | 7 | 10 Years\nPolicy Term (PT) | PPT | PT\n7 Years | 15|20|25|30 Years\n10 Years | 20|25|30 Years","sources":[{"clause":null,"heading":"Know Your Plan Better","page":4,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31745#c-know-your-plan-better"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"quote-verified","value":"Guaranteed Maturity Benefit is Sum Assured on Maturity plus Accrued Guaranteed Additions plus Maturity Loyalty Addition. Guaranteed Additions accrue each year on an in-force policy from the end of the first policy year to the end of the policy term, at 10% of one annualized premium during the premium paying term and 50% after the premium paying term; Maturity Loyalty Addition is 100%, 200%, 300% or 400% of one annualized premium for policy terms of 15, 20, 25 or 30 years respectively.","display":"GMB = SAM + Accrued GA + MLA; GA 10% of one AP during PPT and 50% after PPT; MLA 100%/200%/300%/400% of one AP","note":null,"quote":"GMB = Sum Assured on Maturity plus Accrued Guaranteed Additions plus Maturity Loyalty Addition ... Guaranteed Additions will accrue each year and be attached on an in-force Policy starting from the end of first Policy Year till the end of the Policy Term. ... During Premium Paying Term | After Premium Paying Term\n10% of one AP | 50% of one AP ... Policy Term (in years) | 15 | 20 | 25 | 30\n% of one Annualized Premium | 100% | 200% | 300% | 400%","sources":[{"clause":"1(a)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-1-a-iii"}],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"quote-verified","value":"This is a non-participating plan, so the documents do not provide a profit-sharing bonus.","display":"Non-Participating; no bonus stated","note":null,"quote":"(UIN- 142N122V02) [Non-Linked Non-Participating Individual Savings Life Insurance Plan]","sources":[{"clause":null,"heading":"SUD Life Guarantee Royale","page":1,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765#c-sud-life-guarantee-royale"}],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":"The provided documents do not state benefit illustration returns at the IRDAI 4% and 8% rates.","quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"quote-verified","value":"There is no survival benefit under the policy.","display":"No survival benefit","note":null,"quote":"Survival Benefit – There is no survival benefit under the policy","sources":[{"clause":"Row 5","heading":"Policy Coverage/ benefits payable","page":1,"url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31667#c-row-5"}],"law":[]}],"documents":[{"kind":"wording","label":"SUD Life Guarantee Royale Policy Document","pages":24,"fetched_at":"2026-10-20 00:54:41+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/PD_Guarantee_Royale_V_1_25092026_website_384d54217a_bc5f68ce3d.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31499"},{"kind":"wording","label":"SUD Life Guarantee Royale Policy Document","pages":23,"fetched_at":"2026-10-20 00:59:21+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/PD_Guarantee_Royale_V_1_10_final_website_d2c941c7fb.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31614"},{"kind":"wording","label":"SUD Life Guarantee Royale Policy Document","pages":23,"fetched_at":"2026-10-20 01:06:45+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/PD_Guarantee_Royale_V_2_2_final_23062026_1_14e6b0165f_5c1a7e1bdb.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31765"},{"kind":"prospectus","label":"SUD Life Guarantee Royale Product brochure (Prospectus)","pages":16,"fetched_at":"2026-10-20 00:55:27+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/GR_Brochure_Ver_08_8f374e2f56_b8f62eb470.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31519"},{"kind":"cis","label":"SUD Life Guarantee Royale Product CIS","pages":4,"fetched_at":"2026-10-20 00:55:33+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/CIS_Guarantee_Royale_V_1_25092026_website_9885f116c8_3d3df94e10.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31518"},{"kind":"cis","label":"SUD Life Guarantee Royale CIS","pages":4,"fetched_at":"2026-10-20 00:59:23+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/CIS_Guarantee_Royale_V1_2_final_website_fe1087a44d.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31610"},{"kind":"cis","label":"SUD Life Guarantee Royale CIS","pages":4,"fetched_at":"2026-10-20 01:01:53+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/CIS_Guarantee_Royale_V2_2_final_23032026_1_e0b7670b4b_0377a4f0bf.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31667"},{"kind":"brochure","label":"SUD Life Guarantee Royale Product Brochure","pages":15,"fetched_at":"2026-10-20 00:51:41+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/Sales_Brochure_Brochure_c8590141af.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31436"},{"kind":"brochure","label":"SUD Life Guarantee Royale Product Brochure","pages":16,"fetched_at":"2026-10-20 01:05:45+00","source_url":"https://dxwkpt4djlxwl.cloudfront.net/GR_Brochure_Ver_07_30e8028cf1_bf6520dbc6_bea38061c0.pdf","url":"https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02/document/31745"}],"versions":[{"uin":"142N122V01","version":null,"approved_on":null},{"uin":"142N122V03","version":null,"approved_on":null},{"uin":"142N122V02","version":null,"approved_on":null}],"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 Guarantee Royale (UIN 142N122V02), IndiaInsurances, https://indiainsurances.com/policy/star-union-dai-ichi-life-insurance/sud-life-guarantee-royale-142n122v02"}