SHRIRAM SMART SURAKSHA CARD - Suraksha apni jeb mein

Know More


In this policy, the investment risk in the investment portfolio is borne by the policyholder.

The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

You have financial goals for yourself and the ones you love. You need a financial plan that helps you achieve these goals while protecting them in adverse situations.

Presenting the Shriram Life Golden Jubilee Plan, an insurance plan that combines protection with investments.

Stay invested for whole life or for a specified period of time, choose the type and level of cover that suits you and get unmatched flexibility with options to alter your policy term, premium payment term, sum assured, and premium.

In addition, the Shriram Life Golden Jubilee Plan offers smart features like Return of Mortality charge, Return of Premium Allocation charge and Wealth Booster additions to make the most of your investment. This plan also empowers you with full control over your investments by way of multiple investment funds and strategies that align with your risk appetite and personal preferences. You can also enjoy unlimited free switches/premium re-direction, top-up, partial withdrawals, and settlement options.


  • Financial control with multiple funds options, unlimited free switches and unlimited free premium redirection
  • Auto Transfer option (ATO) without any additional charge, to tackle market volatility
  • Wealth Boosters guaranteed every 5 years!
  • Return of Premium Allocation & Mortality charges*
  • Whole Life Option: to save for your next generation or withdraw whenever you want


  • Customised life cover: 2 cover options to choose from and choice of cover level within each cover option.
  • Unmatched flexibility with option to increase/decrease policy term, increase premium payment term and increase/decrease sum assured and decrease in premium.
  • Flexibility to top-up your scheduled premiums whenever you have additional funds.
  • Liquidity and easy access to your funds through partial withdrawals.
  • Settlement Option available with Maturity/Death benefit to tackle market volatility during redemption.
  • Additional protection with multiple riders
  • Tax Benefits on Investments and returns$

!starts from 10th year provided all premiums are duly paid
*Applicable T&C
$ Applicable as per extant tax laws


Life Goal

Life Goal allows policyholders to set and achieve specific financial goals during the policy term and align their life insurance coverage with their personal financial aspirations and helps them plan for important milestones in life.


Legacy option allows policyholders to create a legacy for their loved ones by leaving behind a substantial wealth transfer and plan for the financial well-being of their future generations and leave a lasting impact on their family's financial future.


Maturity Benefit

On Survival of the Life Assured up to the end of the policy term, the fund value will be payable where fund value is total of base premium fund value and Top-up premium fund value (if any)

Death Benefit

The plan provides two options for death benefit out of which one can be chosen depending on the need of coverage.

Option I
In case of death of Life Assured during the policy term,

  • Sum Assured plus top-up sum assured (if any), plus
  • fund value

Option II
In case of death of Life Assured during the policy term,higher of

  • Sum Assured (less partial withdrawals #)
  • Base premium fund value plus

Higher of

  • Top-up Sum Assured
  • Top-up premium fund value

will be paid to the nominee(s) or beneficiary(ies) and the policy will be terminated.
Under both the options the minimum death benefit shall be at least 105% of the total premiums received.
The sum assured shall be chosen by the policyholder at the time of proposal subject to the minimum and maximum sum assured as mentioned below.

# The partial withdrawals made during the two-year period immediately preceding the death of the life assured. The partial withdrawals made from the unit fund built from base premiums only shall be considered for this.




30 Days


Life Goal


Option I

For PT <= 20: 55 years
For PT > 20 : 50 years


Option II

65 years

(Age last birthday)



Life Goal: 75 Years (age last birthday)

Legacy: 100 Years (age last birthday)



10 years


Life Goal: 30 Years (in multiples of 1 year)

Legacy: 100 minus age at entry


Life Goal


Single Pay

Single Payment


Limited Pay

Min:5 Years
Max:PT minus 5 Years

Min: 10 Years
Max:100 minus age at entry (PPT multiples of 5 Years)

Regular Pay

Same as Policy Term

Same as Policy Term



₹ 3, 00,000 for all policy terms
Limited & Regular
Yearly: ₹ 1, 00,000
Half-yearly: 50,000
Quarterly: 25,000
Monthly: ₹ 10,000


No limit, subject to Board approved underwriting policy.


Regular & Limited

₹ 7, 00,000


₹ 3, 75,000


10 times Annualized premium/Single premium, as per Board approved underwriting policy.

RIDERS (Add Ons)

Shriram Accidental Death & Disability Rider (UIN – 128A012V01)

Shriram Accidental Death & Disability Income Rider (UIN – 128A013V01)

Shriram Critical Illness Care Rider (UIN – 128A014V01)



  1. Unit Linked life insurance products are different from traditional life insurance products and are subject to the market risk factors.

  2. The premium paid in Unit Linked life insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his / her decisions.

  3. Shriram Life is only the name of the Life insurance company and Shriram Life Golden Jubilee Plan is only the name of the unit linked insurance contract and does not in any way indicate the quality of the plan, its future prospects or returns.

  4. Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document issued by the insurance company.

  5. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects or returns.

  6. The past performance of the fund options is not indicative of future performance of these funds.

^Risk cover starts from date of commencement of policy for all lives including minors. In case of a minor life, the policy will vest in the Life Assured on attainment of age 18 years.

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

IRDAI Regn No. 128
CIN: U66010TG2005PLC045616


IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”

ARN: SLIC/Elec/May 2023/11