Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeLife insuranceView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
- Source
- IndiaFirst Life Radiance Smart Invest Plan
- Page / section
- Product title and current official product page
- Accessed
- 20 Aug 2026
- Confidence
- high
InsurerIndiaFirst Life Insurance Company LimitedView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
- Source
- IndiaFirst Life Radiance Smart Invest Plan
- Page / section
- Product title and current official product page
- Accessed
- 20 Aug 2026
- Confidence
- high
Radiance Smart Invest featuresThe plan has zero premium-allocation and policy-administration charges, return of mortality charges, free fund switches, 10 fund choices, six investment strategies and three plan options: Life, Extra Shield and Family Care.View source
The official Benefits and Features sections publish charges, fund choices, strategies and plan options.
- Source
- IndiaFirst Life Radiance Smart Invest Plan
- Page / section
- Benefits / Features
- Accessed
- 23 Aug 2026
- Confidence
- high
Radiance Smart Invest eligibilityMinimum entry age is 91 days for the Life option and 18 years for Extra Shield or Family Care; maximum entry age is 65 years. Maturity age is 18–99 years. Policy terms range from 5 to 99 years; premium-paying terms range from 5 to 20 years. Minimum premium is ₹48,000 for regular/
The official Eligibility Criteria section publishes option-specific ages, terms, premiums and sum-assured multiples.
- Source
- IndiaFirst Life Radiance Smart Invest Plan
- Page / section
- Eligibility Criteria
- Accessed
- 23 Aug 2026
- Confidence
- high
Life coverRegular/
The official eligibility table publishes age- and payment-mode-specific sum-assured multiples.
- Source
- IndiaFirst Life Radiance Smart Invest Plan
- Page / section
- Eligibility Criteria — sum assured multiples
- Accessed
- 23 Aug 2026
- Confidence
- high
Entry ageLife option: from 91 days; Extra Shield and Family Care: from 18 years; maximum 65 yearsView source
The official eligibility table publishes option-specific minimum entry ages and the maximum age.
- Source
- IndiaFirst Life Radiance Smart Invest Plan
- Page / section
- Eligibility Criteria
- Accessed
- 23 Aug 2026
- Confidence
- high
Policy and premium-paying termsPolicy term 5–99 years; premium-paying term 5–20 years, depending on payment mode and plan optionView source
The official eligibility table publishes plan- and payment-mode-specific terms.
- Source
- IndiaFirst Life Radiance Smart Invest Plan
- Page / section
- Eligibility Criteria
- Accessed
- 23 Aug 2026
- Confidence
- high
Minimum premium₹48,000 for regular or limited pay; ₹2,50,000 for single payView source
The official eligibility table publishes separate minimums for regular/limited and single payment.
- Source
- IndiaFirst Life Radiance Smart Invest Plan
- Page / section
- Eligibility Criteria
- Accessed
- 23 Aug 2026
- Confidence
- high
Waiting period / lock-inNo health-style waiting period is published for this life-and-investment policy. Linked-policy liquidity is restricted by a 5-year lock-in: surrender or partial withdrawal proceeds generally cannot be paid before five completed policy years, subject to the death and other contingencies in the policy.Effective 1 Jul 2024View source
The policy defines a lock-in period of five consecutive completed years and the brochure explains that linked-policy monies cannot generally be withdrawn before the fifth year.
- Source
- IndiaFirst Life Radiance Smart Invest Plan — official policy document July 2024
- Page / section
- Page 6 — Lock-in-period definition; Pages 11–12 — discontinuance during lock-in
- Accessed
- 29 Aug 2026
- Confidence
- high
Key coverageThree plan options are available: Life Option (life cover), Extra Shield Option (additional accidental-death cover equal to the sum assured, subject to a maximum of ₹1 crore), and Family Care Option (higher of sum assured or 105% of total premiums on death, with future premiums funded so the policy can continue). Maturity pays the fund value plus the return of mortality charges and the plan-specific maturity addition; death/
The policy specifies the Life, Extra Shield and Family Care benefits, the ₹1 crore Extra Shield cap, Family Care future-premium funding and five-year settlement option.
- Source
- IndiaFirst Life Radiance Smart Invest Plan — official policy document July 2024
- Page / section
- Pages 9–10 — Death and maturity benefits
- Accessed
- 29 Aug 2026
- Confidence
- high
Key exclusionsSuicide exclusion: if death is due to suicide within 12 months of commencement or revival, the beneficiary receives the fund value on intimation (with later-recovered charges added back except fund-management and guarantee charges). The policy also limits or suspends risk cover after premium discontinuance, and charges/
The policy has a dedicated Suicide Exclusion clause and detailed discontinuance provisions; these are the material exclusions/limitations relevant to comparison.
- Source
- IndiaFirst Life Radiance Smart Invest Plan — official policy document July 2024
- Page / section
- Pages 11–12 — discontinuance; Page 20 — Suicide Exclusion
- Accessed
- 29 Aug 2026
- Confidence
- high
Geographic limitsThree plan options are available: Life Option (life cover), Extra Shield Option (additional accidental-death cover equal to the sum assured, subject to a maximum of ₹1 crore), and Family Care Option (higher of sum assured or 105% of total premiums on death, with future premiums funded so the policy can continue). Maturity pays the fund value plus the return of mortality charges and the plan-specific maturity addition; death/
The manually reviewed product record states: “Three plan options are available: Life Option (life cover), Extra Shield Option (additional accidental-death cover equal to the sum assured, subject to a maximum of ₹1 crore), and Family Care Option (higher of sum assured or 105% of total premiums on death, with future premiums funded so the policy can continue). Maturity pays the fund value plus the return of mortality charges and the plan-specific maturity addition; death/maturity can be settled as a lump sum or instalments over up to 5 years.”.
- Source
- IndiaFirst Life Radiance Smart Invest Plan — official product page
- Page / section
- Published product metadata
- Accessed
- 15 Aug 2026
- Confidence
- high
Benefits and features
- Three plan options are available: Life Option (life cover), Extra Shield Option (additional accidental-death cover equal to the sum assured, subject to a maximum of ₹1 crore), and Family Care Option (higher of sum assured or 105% of total premiums on death, with future premiums funded so the policy can continue). Maturity pays the fund value plus the return of mortality charges and the plan-specific maturity addition
- death/
maturity can be settled as a lump sum or instalments over up to 5 years.
Eligibility
- Minimum entry age is 91 days for the Life option and 18 years for Extra Shield or Family Care
- maximum entry age is 65 years. Maturity age is 18–99 years. Policy terms range from 5 to 99 years
- premium-paying terms range from 5 to 20 years. Minimum premium is ₹48,000 for regular/
limited pay and ₹2,50,000 for single pay.
Passing a listed condition does not mean the bank will approve an application.
Related official documents
IndiaFirst Life Radiance Smart Invest Plan — Bank of Baroda official product pageofficial-product-page · current · accessed 29 Aug 2026
↗IndiaFirst Life Radiance Smart Invest Plan — official brochurebrochure · current · accessed 29 Aug 2026
↗IndiaFirst Life Radiance Smart Invest Plan — official policy document July 2024policy-wording · current · accessed 29 Aug 2026
↗
