Shriram Accidental Death & Disability Income Rider

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.


Shriram Accidental Death & Disability Income Rider (UIN – 128A013V01) is a linked non-participating rider. On death of the life assured due to an accident or in the event of the life assured becoming totally and permanently disabled due to an accident before the end of the rider term, 1% of rider sum assured is payable every month, from the 1st of the month following the month during which the accident happens, till the end of the rider term or for a period of 10 years, whichever is higher. In the event of death/ disability due to accident being established after the month of accident and within the prescribed period, the rider benefits will be paid retrospectively from the 1st of the month following the month of accident.

Plan Eligibility



18 Years


65 Years

(Age last birthday)



70 Years

(Age last birthday)



5 Years


25 Years


Minimum (₹)

₹ 50,000

Maximum (₹)

₹ 50,00,000

(sum assured under the rider shall not exceed the sum assured under the basic policy)


  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 Accidental Death & Disability Income Rider 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.

*Benefits under the rider are payable only if the base plan is in force.

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/Mar 2021/131