In Unit Linked Insurance Policies, the investment risk is borne by the policyholder. These insurance products do not offer any liquidity in the first 5 years, as they have a mandatory lock-in period of 5 years. During this period, the policyholder cannot fully or partially withdraw the invested amount or surrender the policy.
Star Union Dai-ichi ULIP Plans
SUD Life ULIP plans place strong emphasis on investment flexibility, life protection, and long-term wealth accumulation. These are unit linked life insurance plans that help you plan and invest your money into market linked instruments to give your money a boost along with a defined life cover.
Returns as on 05-11-2026. The returns are the returns of best-performing fund in the plan
Disclaimer : ˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s
insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.inRead MoreRead Less
Key Features of Star Union Dai-ichi ULIP Plans
Multiple Investment Approaches:
Select ULIP plan offer self-managed, age-based, auto-managed, and international fund strategies.
Broad Fund Choice with Global Exposure:
Depending on the plan, policyholders may access up to 12 domestic investment funds. Chosen variants provide global exposure through five international fund options under GIFT City.
Return of Charges and Wealth Stability:
Certain plans provide returns of mortality charges, policy administration charges, loyalty, wealth creation, and many premium distributions.
High Flexibility:
The portfolio consists of personalised life cover frameworks and security with chosen plans. They also offer life stability and premium benefits on listed categories.
Cash Generation Through Partial Withdrawals:
Some plans allow partial closures after maturity.
Premium Frameworks:
The portfolio consists of single, limited and regular pay variants with ease to increase or decrease premium payment terms and policy timelines.
Extra Security Through Riders:
Some variants permit rider-based stability that includes insurance cover during emergencies.
Why Invest in India's Growth Story?
Financial planning is moving ahead of conservative savings as more households look for ways to contribute to long-term market growth while keeping check on fiscal stability. At the same time, financial goals have become more layered, often spanning retirement readiness, children’s future planning, wealth accumulation, and financial security for dependents. This trend has increased interest in solutions that combine market participation with a layer of life cover, especially for investors wishing to continue involved over longer timeframes.
SUD Life ULIP plans reflect this larger change with features such as access to local and international funds, wealth boosters and investment avenues geared for changing financial objectives.
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How Much Historical Returns are Provided by the Plans?
Investment Scenario
Monthly Investment
₹22,000
Investment Duration
18 years
Withdrawal
At Policy Maturity
Product Type
Market-Linked ULIP Plans
Scenario 1
Returns @ 4%
Plan Name
Estimated Maturity Value
Assumed Return Rate
SUD Life e-Wealth Royale
₹89.5 L
4%
SUD Life Wealth Creator
₹87.9 L
4%
SUD Life STAR TULIP
₹85.7 L
4%
SUD Life International Wealth Creator
₹84.1 L
4%
SUD Life Wealth Builder Plan
₹81.8 L
4%
Scenario 2
Returns @ 8%
Plan Name
Estimated Maturity Value
Assumed Return Rate
SUD Life e-Wealth Royale
₹1.66 Cr
8%
SUD Life Wealth Creator
₹1.61 Cr
8%
SUD Life STAR TULIP
₹1.56 Cr
8%
SUD Life International Wealth Creator
₹1.52 Cr
8%
SUD Life Wealth Builder Plan
₹1.48 Cr
8%
Note: Past performance is illustrative. Actual returns depend on market conditions, fund choice, and economic cycles. Historical returns do not guarantee future performance.
Benefits of Star Union Dai-ichi ULIP Plans
Life Cover Alongside Investments:
The plans combine wealth creation with life insurance protection.
Additional Features:
Some plans include wealth creation, a promise for loyalty, premium slots and death reliefs.
Liquidity Through Partial Closure:
Eligible policyholders are entitled to partial closures after maturity to help with untimely financial needs.
Flexible Investment and Premium Structures:
The portfolio includes single pay, limited pay, and regular pay variants, with chosen plans permitting changes in premium layout tenures.
Access to Global Investment Benefits:
Some variants provide access to global markets via GIFT City based funds in US stocks, global markets, treasuries and goods.
List of Star Union Dai-ichi ULIP Plans
SUD Life has the following ULIP plan options that suit diverse investing preferences, protection needs, premium structures, and long-term financial goals.
ULIP Plan
Entry Age
Maximum Maturity Age
Premium Payment Term (PPT)
Policy Term (PT)
Minimum Premium (in Rs.)
SUD Life Wealth Builder Plan
18 years to 70 years
Up to 85 years
Single Pay
10 to 30 years
₹1,00,000 onwards
View plan
SUD Life International Wealth Creator
18 years to 70 years
Up to 85 years
Limited Pay / Regular Pay
Varies by selected option
Based on selected premium mode and plan configuration
View plan
SUD Life e-Wealth Royale
30 days to 60 years
Up to 75 years
Limited Pay / Regular Pay
10 to 40 years
₹24,000 p.a. onwards
View plan
SUD Life STAR TULIP
18 years to 55 years
Up to 75–85 years (varies by PPT)
Limited Pay (7, 10, 15 years) / Regular Pay
25 to 40 years
₹36,000 p.a. onwards
View plan
SUD Life Wealth Creator
30 days to 60 years
Up to 75 years
Limited Pay / Regular Pay
10 to 40 years
₹24,000 p.a. onwards
View plan
Invest More Get More!
YOU GET
₹ 1 Crore *
YOU INVEST
₹ 10K/ month
YOU GET
₹ 80 Lakhs *
YOU INVEST
₹ 8K/ month
YOU GET
₹ 50 Lakhs *
YOU INVEST
₹ 5K/ month
Details of Star Union Dai-ichi ULIP Plans
There are 5 Star Union Dai-chi ULIP plans that are available to you for investing your money.
SUD Life Wealth Builder Plan
SUD Life Wealth Builder Plan is a Unit Linked, Non-Participating Individual Life Insurance Plan designed for single-premium market-linked wealth creation with life cover, fund flexibility, and liquidity support.
Key Features of SUD Life Wealth Builder Plan
Single Premium Structure:
The plan is designed as a one-time premium payment, making it suitable for individuals looking to invest lump-sum amounts.
Choice of 12 Investment Funds:
Policyholders may invest across 12 fund options spanning equity, debt, balanced, thematic, and momentum-based allocations aligned with different risk preferences.
Top-Up Premium Facility:
Additional deposits can be made via the top-up option, which may help consolidate the long-term building of wealth.
Fund Switching Flexibility:
Depending on market shifts or their own financial goals, policyholders can transfer their investments from a given eligible fund to another.
Partial Withdrawal Facility:
Policyholders eligible after lock-in period can partially withdraw to meet liquidity requirements.
SUD Life International Wealth Creator
SUD Life International Wealth Creator is a Unit-Linked, Non-Participating Individual Life Insurance Plan designed to generate wealth globally through life insurance and access to international market-linked assets via GIFT City structures.
Key Features of SUD Life International Wealth Creator
Access to Five International Funds:
Policyholders have access to US equities, global equity, US and emerging markets and commodities linked fund alternatives.
No Premium Allocation Charges:
Premiums are allocated without premium allocation charges, helping improve fund efficiency over time.
Premium and Policy Term:
Some variants provide fluctuations in premium payment timeline and the extent of insurance tenure to meet financial needs.
No Policy Charges:
No managerial policy charges apply. Listed policies may get loyalty boosters from Year 6 and wealth rewards every 5 years.
Fund Switching Facility:
Policyholders can switch between globalised funds based on changes in their risk appetite.
Life Cover with Wealth Creation:
The plan merges global market participation with life insurance protection over the policy term.
SUD Life e-Wealth Royale
SUD Life e-Wealth Royale is a Unit Linked, Non-Participating Individual Life Insurance Plan for market linked wealth building with loyalty enhancements, wealth boosters and refund of charges.
Key Features of SUD Life e-Wealth Royale
Dual Plan Options:
Policyholders can choose between Platinum and Platinum Plus types according to the requirements of protection structure.
Eligible Return of Mortality and Policy Administration Charges:
The plan permits a return of mortality charges on maturity. There are also policy management charges which are implemented by the end of 10th policy year.
Choice of 12 Funds and Investment Plans:
The choice of 12 funds and 2 investing plans is available for policyholders to select according to risk appetite.
Premium and Policy Term Flexibility:
Some variations grant an extension of policy and premium payment timelines.
Extra Risk Protection:
Platinum Plus is a premium waiver on untimely disabilities which are subject to restrictions.
SUD Life STAR TULIP
SUD Life STAR TULIP is a Unit Linked, Individual Life Insurance Plan designed for high life protection alongside market-linked wealth creation through flexible investment strategies and long-term value enhancement features.
Key Features of SUD Life STAR TULIP
High Protection Cover:
Subject to eligibility criteria and entry age. The plan provides life cover which is up to 30 times more than the yearly premium.
Two Investment Strategies:
Policyholders can choose from either a Self-Managed or an Age-Based investment strategy.
Choice of 12 Investment Funds:
You can spread your investments among 12 fund selections across stock, debt, balanced, thematic and momentum funds.
Return of Mortality Charges at Maturity:
Total mortality charges deducted during the policy period are added back at the time of maturity (subject to policy requirements).
Wealth Boosters for Long-Term Continuation:
Eligible policies may receive a wealth booster every five years, starting from the end of the 20th policy year.
Liquidity and Rider Support:
The plan provides for partial withdrawal freedom following lock-in time and alternatives to enhance protection on rider basis.
SUD Life Wealth Creator
SUD Life Wealth Creator is a Unit Linked Life Insurance Plan for market-linked wealth generation together with life cover, return of mortality charges and variable investment options as per shifting risk appetite.
Key Features of SUD Life Wealth Creator
Two Investment Strategies:
Policyholders may make a choice between two unique investment plans based on age, financial needs, and risk appetite.
Return of Mortality Charges at Maturity:
At maturity all mortality charges deducted during the insurance period will be added back, subject to the continuation of the policy.
Extra Allocation Benefit:
From the 11th policy year onwards, an extra allocation of 1% of one annualised premium may be added with eligible premium payments.
Fund Switching and Partial Closure:
The Star Union Dai-ichi investment plan consists of 12 free fund switches yearly. The facility of partial closure after maturity is also available.
Premium and Policy Term Options:
Policyholders have a free hand to change premium payment terms.
Life Cover and Wealth Creation:
This plan enables fast investment growth with life cover security throughout the policy tenure.
Why Buy an Star Union Dai-ichi ULIP Plans from Policybazaar?
Over 9 lakh customers have invested ₹12,400 Cr through Policybazaar
No hidden charges. All costs and returns are clearly disclosed
Certified advisors provide unbiased guidance based on your needs
IRDAI-regulated, ensuring advice is in the customer’s interest
The types include Wealth Builder Plan, STAR TULIP, International Wealth Creator, e-Wealth Royale, and Wealth Creator.
How do I select the right SUD Life ULIP Plan?
The selection of SUD Life ULIP Plan depends on the financial goals, investment horizons, premium needs and risk appetite. It is also important to recheck the fund choices, financial approach and main features of the plan to ensure stability.
What are the charges associated with SUD Life ULIP Plans?
Depending on the selected plan, charges may include mortality charges, fund management charges, policy administration charges, switching charges (beyond free limits), and discontinuance-related charges, subject to applicable terms and conditions.
Can I switch funds or make withdrawals with SUD Life ULIP Plans?
Yes, it’s generally true that most SUD Life ULIP plans have fund-switching flexibility, plus a way for partial withdrawals after the lock in period. However, it depends on the specific plan terms, and also who’s eligible, so you should check the eligibility conditions carefully.
How to pay premium? What are the modes of payment available?
Generally, SUD Life delivers many premium payment modes such as:
Online payment
Auto debit / ECS
Cheque or branch payment
Online banking
How can I check policy status for SUD Life ULIP plans?
Policy details can be checked on the official SUD Life customer website or through mobile apps by logging in with the credentials.
What is the policy renewal process for SUD Life ULIP plans?
Renewal or premium payment may generally be completed through online login, digital payment options, or branch-assisted servicing, depending on the selected plan and payment mode.
What is the company’s process to settle claims for SUD Life ULIP plans?
The nominee can submit the necessary claim form together with the supporting documentation for the claim settlement purpose. Processing times may vary depending on completeness of documentation and procedures to check policy.
What is the policy cancellation process for SUD Life ULIP plans?
The policy surrender/cancellation is usually applicable through the service channel of the insurer. If there are any surrender limitations and lock-in rules, this process may require submission of numerous documents.
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Devang
Australia, November 05, 2026
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Canada, November 02, 2026
Reviewing Policy Terms
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NRI Investment Enquiry
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USA, November 02, 2026
Good Communication
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Chennai, November 02, 2026
Savings While Working Abroad
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Bhopal, October 31, 2026
Very Pleased With Service
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Ranchi, October 30, 2026
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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
