Reliance Nippon Life Insurance

Reliance Nippon Life Super Suraksha Plan

Reliance Nippon Life Insurance

98.74%
Claim Settlement Ratio

Our Verdict

Reliance Nippon Super Suraksha is ideal for individuals seeking high coverage with flexible payouts and rider benefits. While it ensures financial security, the lack of maturity benefits makes it purely protection-focused.

About the Plan

Eligibility

Features of the Product

01

Terminal Illness

  1. If the life insured is diagnosed with a terminal illness during the policy term, a portion of the sum assured is paid in advance.

02

Zero Cost Option

  1. It offers plan variants like Return of Premium and Early Return of Premium, where 105% of total premiums paid are returned at maturity or upon reaching a certain age.

03

Total Permanent Disability Payout

  1. In the event of total and permanent disability due to an accident, this rider provides a payout equal to the rider sum assured, disbursed in equal annual installments over a 10-year period. 

04

Premium Payment Customizations

  1. Policyholders can choose from Single Pay, Limited Pay, or Regular Pay options. The premium payment frequency can be adjusted to monthly, half-yearly, or yearly modes.

     

Exclusions

Add-ons

WOMEN

If you are a woman

  1. Female policyholders can avail of all standard benefits, including life cover, optional riders, and premium payment flexibility. Some insurers may offer preferential premium rates or additional coverage options for women.

Note :

  1. Suicide Clause : In the event of the Life Assured's death due to suicide within 12 months from the date of commencement of risk under the base policy or from the date of revival of the policy, the nominee or beneficiary shall be entitled to 80% of the Total Premiums Paid till the date of death, provided the policy is in force. 

  2. Free look up period: The policy offers a 30-day free look period from the date of receipt of the policy document. If unsatisfied, the policyholder can return it for cancellation, receiving a refund after deducting applicable charges.

  3. Grace Period: The policy provides a grace period of 30 days for yearly, half-yearly, and quarterly premium payments, and 15 days for monthly payments. During this period, the policy remains in force with full risk cover.

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