Super Suraksha Plus Calculator & Benefits

Super Suraksha Plus

Term cover, with optional Return of Premium · UIN 121N149V01

Plan variant

Your age30

Gender

Life cover (Sum Assured)₹1,00,00,000

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

₹14,070

Excluding GST and applicable taxes.

Total you pay

₹5,62,790

Over 40 years of premiums.

Your family receives

₹1,00,00,000

Lump-sum death benefit (or as monthly income, your nominee's choice). Plus Rs.1L InstaPayout within 2 working days.

Cost per Rs.1 lakh cover

₹5,628

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	₹14,070	₹14,070	₹1,00,00,000
2	32	₹14,070	₹28,140	₹1,00,00,000
3	33	₹14,070	₹42,209	₹1,00,00,000
4	34	₹14,070	₹56,279	₹1,00,00,000
5	35	₹14,070	₹70,349	₹1,00,00,000
6	36	₹14,070	₹84,419	₹1,00,00,000
7	37	₹14,070	₹98,488	₹1,00,00,000
8	38	₹14,070	₹1,12,558	₹1,00,00,000
9	39	₹14,070	₹1,26,628	₹1,00,00,000
10	40	₹14,070	₹1,40,698	₹1,00,00,000
11	41	₹14,070	₹1,54,767	₹1,00,00,000
12	42	₹14,070	₹1,68,837	₹1,00,00,000
13	43	₹14,070	₹1,82,907	₹1,00,00,000
14	44	₹14,070	₹1,96,977	₹1,00,00,000
15	45	₹14,070	₹2,11,046	₹1,00,00,000
16	46	₹14,070	₹2,25,116	₹1,00,00,000
17	47	₹14,070	₹2,39,186	₹1,00,00,000
18	48	₹14,070	₹2,53,256	₹1,00,00,000
19	49	₹14,070	₹2,67,325	₹1,00,00,000
20	50	₹14,070	₹2,81,395	₹1,00,00,000
21	51	₹14,070	₹2,95,465	₹1,00,00,000
22	52	₹14,070	₹3,09,535	₹1,00,00,000
23	53	₹14,070	₹3,23,604	₹1,00,00,000
24	54	₹14,070	₹3,37,674	₹1,00,00,000
25	55	₹14,070	₹3,51,744	₹1,00,00,000
26	56	₹14,070	₹3,65,814	₹1,00,00,000
27	57	₹14,070	₹3,79,884	₹1,00,00,000
28	58	₹14,070	₹3,93,953	₹1,00,00,000
29	59	₹14,070	₹4,08,023	₹1,00,00,000
30	60	₹14,070	₹4,22,093	₹1,00,00,000
31	61	₹14,070	₹4,36,163	₹1,00,00,000
32	62	₹14,070	₹4,50,232	₹1,00,00,000
33	63	₹14,070	₹4,64,302	₹1,00,00,000
34	64	₹14,070	₹4,78,372	₹1,00,00,000
35	65	₹14,070	₹4,92,442	₹1,00,00,000
36	66	₹14,070	₹5,06,511	₹1,00,00,000
37	67	₹14,070	₹5,20,581	₹1,00,00,000
38	68	₹14,070	₹5,34,651	₹1,00,00,000
39	69	₹14,070	₹5,48,721	₹1,00,00,000
40	70	₹14,070	₹5,62,790	₹1,00,00,000

About IndusInd Nippon Life Super Suraksha Plus

IndusInd Nippon Life Super Suraksha Plus (UIN 121N149V01) is a flexible term plan with two variants — Life (pure cover) and Life Plus, which returns 100% of your premiums if you survive the term. It offers large cover for up to 50 years and a ₹1 lakh InstaPayout to your family within 2 working days of a claim.

Frequently asked questions

What is the difference between the Life and Life Plus variants?

Life is pure-risk term cover with no maturity payout. Life Plus (Return of Premium) pays back 100% of the premiums you paid if you survive to the end of the term.

How can my family receive the death benefit?

As a lump sum, as a monthly income for 10 years, or a combination of both — chosen at the time of claim. A ₹1 lakh InstaPayout is released within 2 working days for immediate needs.

Can I increase my cover later?

Yes. The Enhanced Coverage option lets you raise the sum assured at life milestones (marriage, a child, a home loan) without fresh underwriting, subject to conditions.

What is the minimum cover and eligibility?

Minimum sum assured is ₹50 lakh, entry age 18 upwards, with terms up to 50 years. This is an indicative illustration; exact figures are confirmed at underwriting.