Super Suraksha Elite Calculator & Benefits

Super Suraksha Elite

High-value term cover · UIN 121N148V01

Your age30

Gender

Life cover (Sum Assured)₹2,00,00,000

How long do you want to pay?

Policy term (years)40

Payment frequency

I use tobacco / smoke

Your Numbers

Live projection — updates instantly as you change inputs.

You pay / year

₹65,562

Excluding GST and applicable taxes.

Total you pay

₹6,55,622

Over 10 years of premiums.

Your family receives

₹2,00,00,000

High-value cover, payable as lump sum or income. Plus Rs.2L InstaPayout within 2 working days.

Cost per Rs.1 crore cover

₹3,27,811

Pure protection — lower is better value.

Cover & premiums over the policy term

Year-by-year projection

Updates live as you change your inputs.

Policy year	Age	Premium this year	Total paid so far	Life cover
1	31	₹65,562	₹65,562	₹2,00,00,000
2	32	₹65,562	₹1,31,124	₹2,00,00,000
3	33	₹65,562	₹1,96,687	₹2,00,00,000
4	34	₹65,562	₹2,62,249	₹2,00,00,000
5	35	₹65,562	₹3,27,811	₹2,00,00,000
6	36	₹65,562	₹3,93,373	₹2,00,00,000
7	37	₹65,562	₹4,58,936	₹2,00,00,000
8	38	₹65,562	₹5,24,498	₹2,00,00,000
9	39	₹65,562	₹5,90,060	₹2,00,00,000
10	40	₹65,562	₹6,55,622	₹2,00,00,000
11	41	₹0	₹6,55,622	₹2,00,00,000
12	42	₹0	₹6,55,622	₹2,00,00,000
13	43	₹0	₹6,55,622	₹2,00,00,000
14	44	₹0	₹6,55,622	₹2,00,00,000
15	45	₹0	₹6,55,622	₹2,00,00,000
16	46	₹0	₹6,55,622	₹2,00,00,000
17	47	₹0	₹6,55,622	₹2,00,00,000
18	48	₹0	₹6,55,622	₹2,00,00,000
19	49	₹0	₹6,55,622	₹2,00,00,000
20	50	₹0	₹6,55,622	₹2,00,00,000
21	51	₹0	₹6,55,622	₹2,00,00,000
22	52	₹0	₹6,55,622	₹2,00,00,000
23	53	₹0	₹6,55,622	₹2,00,00,000
24	54	₹0	₹6,55,622	₹2,00,00,000
25	55	₹0	₹6,55,622	₹2,00,00,000
26	56	₹0	₹6,55,622	₹2,00,00,000
27	57	₹0	₹6,55,622	₹2,00,00,000
28	58	₹0	₹6,55,622	₹2,00,00,000
29	59	₹0	₹6,55,622	₹2,00,00,000
30	60	₹0	₹6,55,622	₹2,00,00,000
31	61	₹0	₹6,55,622	₹2,00,00,000
32	62	₹0	₹6,55,622	₹2,00,00,000
33	63	₹0	₹6,55,622	₹2,00,00,000
34	64	₹0	₹6,55,622	₹2,00,00,000
35	65	₹0	₹6,55,622	₹2,00,00,000
36	66	₹0	₹6,55,622	₹2,00,00,000
37	67	₹0	₹6,55,622	₹2,00,00,000
38	68	₹0	₹6,55,622	₹2,00,00,000
39	69	₹0	₹6,55,622	₹2,00,00,000
40	70	₹0	₹6,55,622	₹2,00,00,000

About IndusInd Nippon Life Super Suraksha Elite

IndusInd Nippon Life Super Suraksha Elite (UIN 121N148V01) is a high-value term plan for cover of ₹2 crore and above. It offers flexible death-benefit payouts, cover enhancement at life milestones, and a ₹2 lakh InstaPayout to support your family immediately on a claim.

Frequently asked questions

Who is Super Suraksha Elite for?

People who need substantial protection — the minimum sum assured is ₹2 crore. It suits higher-income earners and those with large liabilities like home loans.

What is the InstaPayout?

On a registered claim, ₹2 lakh is paid to your nominee within 2 working days, ahead of full claim settlement, to meet immediate expenses.

How is the death benefit paid?

Lump sum, monthly income over 10 years, or a mix of both — your nominee chooses. Sum Assured on Death is the higher of base cover, 10× annual premium, or 105% of premiums paid.

Can the cover grow with my responsibilities?

Yes — the Enhanced Coverage option increases your base cover at key milestones without additional underwriting. This is an indicative illustration; exact figures are confirmed at underwriting.