Living abroad doesn't have to be a block for your India-linked financial goals. With Ageas Federal investment plans for NRIs, you can build a rupee corpus for long-term goals like guaranteed savings or retirement income while keeping life cover built into the plan.
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Super Protect Plus Plan
- It is designed for families with fluctuating incomes
- It comes with a 12-month Cover Continuance Benefit.
- For long-term policyholders, the Special Exit Value returns 100% of premiums paid.
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Super Protect Plus Plan
- It is designed for families with fluctuating incomes
- It comes with a 12-month Cover Continuance Benefit.
- For long-term policyholders, the Special Exit Value returns 100% of premiums paid.
Saving Insurance Plans
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ProGrow Plan
- Option to choose a Life Cover Multiple that aligns with your protection needs
- 11 fund options with unlimited switches
- Enhance protection with Rider options
Child Insurance Plans
Health Insurance Plans
Retirement Plan
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Linked Critical Shield Rider
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Our Linked Critical Shield Rider- Guaranteed Annuity Payout
- Annuity Payout as convenient
- Covers up to 50 critical illnesses
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Call to Buy +91 9920730151NRI Investment Plans in India
Build wealth and protect your goals in India while staying abroad with Ageas Federal NRI investment plans.
Can NRIs invest in life insurance plans in India?
Yes, all NRIs, OCIs, and PIOs can buy life-insurance-linked investment plans in India, subject to KYC, underwriting, country-of-residence rules, and product eligibility. The top NRI investment plan options are market-linked ULIPs, guaranteed savings, and pension or retirement plans.
Which NRI investment plan should you choose?
The NRI investment plan you pick depends on your goal, time horizon, risk comfort, payout needs, and tax position in India and your country of residence. A plan for a child's education after 12 years should not be evaluated the same way as a retirement income plan or a fixed payout needed in five years. So, lead your decision by goal and not the product on offer.
Types of NRI investment plans from Ageas Federal
1. Market-linked plans (ULIPs)
ULIPs combine life cover with market-linked investment, where a part of the premium goes toward life cover and applicable charges. The balance gets invested across equity, debt, or a mix of two. ULIPs do not promise guaranteed returns and are heavily dependent on market performance, chosen fund mix, charges, and policy terms. Explore our curated ULIPs for NRIs.
ProGrow Plan || Platinum Wealth Builder Plan ||Smart Growth Plan || Wealth Gain Insurance Plan || Wealthsurance Growth Insurance Plan SP
Who should buy it? NRIs with a longer time horizon and anyone who can stay invested through market cycles.
Why Buy NRI Investment Plans in India with Ageas Federal?
The Federal Bank connection.
Ageas Federal is a joint venture with Federal Bank, keeping your premiums, payouts, and policy under one roof.
Remote servicing.
Explore, apply, pay, switch funds, and track your investments in a few clicks no matter where you live.
Top-rated service.
Ageas Federal is ranked among the top 10 life insurance brands for customer experience in the Hansa Research CuES 2026 report.
Time to start your NRI investment. Talk to an Ageas Federal NRI insurance advisor to discuss your goal and get quick recommendations.
Who can apply for NRI investment plans?
NRIs, OCIs, and PIOs can apply for eligible investment-linked life insurance plans in India. Final approval depends on documents, country of residence, age, income, medical history, financial underwriting, and the plan selected.
Portfolio Diversification
Benefitting by being a part of the India’s growing economy allows the NRIs to gain portfolio diversification that reduces geographic concentration risk. While they are tapping the geographical expanse, they also get to benefit from government-backed schemes and investment options that can further solidify their investment portfolio. Additionally, the insurance plans, especially the ULIPs and other life insurance-cum-retirement pans come at lower premiums than what NRIs get abroad.
High-Growth Potential
As per the India Development Update (IDU) report, India is the fastest growing major economy, having experienced a rapid clip of 8.2% in FY23-24. This definitely stirs the conversation in the high-growth direction. NRIs making investments in India can benefit from the potentially rapid growth as the Indian growth story scales new heights.
Key Takeaways
Simple and Transparent Plans
Clear and easy to understand policies designed to provide reliable financial protection without unnecessary complexity.
Tax Saving Benefits
Enjoy tax advantages on premiums paid along with tax free benefits, helping you maximize your overall savings.
Flexible Policy Terms
Choose policy duration and premium payment options that align comfortably with your financial goals and budget.
Inclusive for Every Life Stage
Plans designed to suit diverse needs, from young professionals to those nearing retirement, across varying financial priorities.
Cost Effective Coverage
Get high coverage at affordable premiums, ensuring strong financial protection without straining your finances.
Multiple Plan Choices
Explore a range of term insurance options and select the one that best fits your financial situation and future plans.
Why Choose Ageas Life Insurance?
99.82%
Claim Settled
1.2M+
Customers Served
20+
Years of Trust
100+
Branches
₹19,000Cr
Assets Managed
Global Investment Opportunities for NRIs Through GIFT City
Non‑Resident Indians seeking to build wealth increasingly look for ways to balance India’s strong growth potential with exposure to international markets. GIFT City provides a regulated gateway to achieve this, offering access to a wide range of global financial instruments that can help diversify portfolios, reduce risk, and align investments with long term financial goals.
Through GIFT City, NRIs can invest in equities, bonds, Exchange Traded Funds (ETFs), mutual funds, life insurance, derivatives, commodities, and foreign currencies. This breadth of choice makes it easier to integrate international opportunities into a long term wealth creation plan, while maintaining compliance and transparency.
By combining global reach with trusted regulatory oversight, GIFT City empowers NRIs to expand their financial horizons with confidence. It stands as a practical platform for diversification and international wealth creation, ensuring that global opportunities are accessible, secure, and future ready.
Best Investment Options in India for NRIs
Life Insurance
As savings plans build a potentially significant corpus, it brings certainty to your savings and peace of mind to you.
Fixed Deposits
As savings plans build a potentially significant corpus, it brings certainty to your savings and peace of mind to you.
Guaranteed Returns Plans
As savings plans build a potentially significant corpus, it brings certainty to your savings and peace of mind to you.
Unit Linked Insurance Plans
As savings plans build a potentially significant corpus, it brings certainty to your savings and peace of mind to you.
NRI Investment Options with Low Risk in India
For those looking specifically for low-risk NRI investment options in India, the list given below should be considered:
Investment Plans
Fixed Deposit
Fixed Deposit, commonly popular as FD, is undoubtedly one of the sought-after investment tools in India. The prime reason behind its popularity is its low-risk feature. The interest rate is fixed at the time of account-opening and the tenure is also fixed. This same reason applies when we name FD as a low-risk investment option for NRIs in India.
Investment Plans
Debt Mutual Funds
Debt mutual funds such as liquid funds, ultra-short duration funds, money market funds, etc. are considered potentially low risk investments as they invest in debt instruments with short residual maturity. While NRIs can make such potentially low risk mutual fund investments in India, they need to ensure that they are compliant with all applicable regulations such as FATCA, etc.
NRI Investment Options for HNIs
First of all, let's understand the meaning of HNI from a finance and tax perspective. The full form of HNI is High Net-Worth Individual.
Investment Plans
Traditional Investments:
These include popular investment options such as real estate, equity investments, different types of mutual funds basis the risk profile, stocks, and shares etc.
Alternative Investments:
These are different from the above-mentioned traditional investment vehicles and include options like hedge funds, private equity funds, private debt funds, and venture capital funds etc. these options provide appropriate diversification coupled with higher returns.
Investment Plans
Portfolio Management Schemes::
These are flexible investment vehicles providing personalized client fund management solutions usually featuring a minimum investment requirement of Rs 50 lakhs. These could be highly profitable options but one should be mindful of the potential risks associated with such investments.
Commercial Real Estate:
While residential real estate is a popular traditional NRI investment option for HNIs, commercial real estate investment is an alternative that can be equally lucrative. As the name suggests, this type of real estate includes office spaces, shopping centres, hotels, etc.
How can NRIs Invest in India?
Upon attaining the NRI status, an individual should make sure that the following pointers are checked:
01
Convert Existing Bank Account
You should have converted/shifted your existing Indian savings/current account to an NRE/NRO account or open new accounts of these types
02
Keep a Valid Indian Passport
You should have converted/shifted your existing Indian savings/current account to an NRE/NRO account or open new accounts of these types.
03
Complete KYC & Open Demat Account
You should have converted/shifted your existing Indian savings/current account to an NRE/NRO account or open new accounts of these types.
04
Ensure PINS / NRE Compliance
In addition to the Demat account, for investing in the Indian stocks, you must make sure that your NRE account is compliant as per the Portfolio Investment NRI Scheme or PINS. If not, NRIs can only use an NRO account to route their investments.
05
Check FATCA & CRS Guidelines
For NRIs residing in USA and Canada and planning to invest in mutual funds managed by fund houses in India, make sure that the fund house chosen must be compliant with the FATCA and CRS guidelines.
7 steps to Buy an NRI investment plan with Ageas Federal
*India tax thresholds for NRI ULIPs and guaranteed plans, with death benefit always exempt.
Step 1
Choose your goal
Choose your goal (corpus growth, guaranteed payout, or retirement income).
Step 2
Choose your plan
Select the plan type (ULIP, guaranteed savings, or pension/retirement plan).
Step 3
Calculate Premium
Use the Ageas Federal premium calculator to estimate the premium and target amount or talk to our expert advisors
Step 4
Online verification
Complete KYC and application details online, including passport, overseas address and residence documents.
Step 5
Complete underwriting
Complete medical and financial underwriting if requested.
Step 6
Pay Premium
Pay the premium through a permitted NRE, NRO ,or FCNR route.
Step 7
Track Policy
Track and manage the policy remotely after issuance.
Eligibility Criteria for NRIs to Invest in India
AGE
18 - 66 years
Entry age across most NRI plans
RESIDENCY NRI
/ PIO / OCI
From 30+ countries including UAE, USA, UK, Canada, Singapore, Australia
KYC
Passport + Visa
Valid passport, visa/residency proof & overseas address
INCOME PROOF
Last 6 months
Salary slips, bank statements or employment letter
MEDICAL
Tele / Video
Conducted remotely — no travel to India required
✔
Who Can Apply?
Open to a wide spectrum of global Indians — confirm your eligibility in under 60 seconds.
- ✔ Non-Resident Indians (NRIs) holding Indian passport
- ✔ Persons of Indian Origin (PIO) cardholders
- ✔ Overseas Citizens of India (OCI) cardholders
- ✔ Foreign nationals residing in India on long-term visa
- ✔ Indian citizens on deputation / work assignment abroad
- ✔ Merchant Navy professionals & seafarers
SUM ASSURED
₹25L – ₹10 Cr+
POLICY TERM
10 – 40 years
PROCESS
100% Online
Common document requirements for NRI investment plans:
Photograph
Recent passport size photograph.
Photo Guidelines
- ✔ Passport
- ✔ Visa or residence proof
- ✔ Overseas address proof
- ✔ PAN or Form 60 where applicable
- ✔ Recent photograph Income proof
- ✔ Indian bank account details
- ✔ medical or financial documents for underwriting
Upload a recent, clear passport size photograph.
Identity Proof
Proof of your identity as per government records.
Accepted Documents
- ✔ Aadhaar Card
- ✔ Passport
- ✔ Driving License
- ✔ Voter ID
Any one of the above valid documents is required
Age Proof
Proof of your date of birth as per government records.
Accepted Documents
- ✔ Aadhaar Card
- ✔ Passport
- ✔ Driving License
- ✔ Birth Certificate
- ✔ Baptism Certificate/PAN Card
Any one of the above valid documents is requiredTrusted by NRI Families Worldwide
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AGEAS FEDERAL LIFE INSURANCE
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Ageas Federal Is A Trusted Life Insurance Partner
At Ageas Federal Life Insurance, we are dedicated to creating meaningful insurance solutions that help individuals build a secure and confident future. With over a decade of experience, we offer a wide range of plans across protection, pension, savings, investment, annuity, and health, designed to support evolving financial needs at every stage of life.
Frequently asked questions about NRI investment plans in India
Yes, NRIs, OCIs, and PIOs can apply for Indian life insurance-linked investment plans from abroad. The entire process is completed remotely, subject to KYC, medical underwriting, financial underwriting, and country-specific eligibility checks. You may also be asked to submit additional documents besides the regular ones like passport, visa, or residence and overseas address proof along with Indian bank account details. Final approval, riders, and sum assured limits are subject to the insurer's approval.
This sales literature gives only the salient features of the Ageas Federal Life Insurance Super Protect Plan. It uses easy-to-understand language to explain the features. Your plan is governed only by the full legal terms, conditions and exclusions as contained in the policy document. There are riders attached to this plan. Please read the policy document for more details. Ageas Federal Life Insurance Super Protect Plan is a Non-linked, Non-participating, Individual, Pure Risk Premium and Savings Life Insurance Plan (UIN:135N102V01). The product is underwritten by Ageas Federal Life Insurance Company Limited (IRDAI Regn. No 135; Corporate Identity Number (CIN) - U66010MH2007PLC167164) having its corporate and registered office at: Ageas Federal Life Insurance Company Limited, 22nd Floor, A Wing, Marathon Futurex, N. M. Joshi Marg, Lower Parel – East, Mumbai – 400013. Website: www.ageasfederal.com. Toll-Free: 1800 209 0502. Trade Logo displayed above belongs to The Federal Bank Limited and Ageas International Insurance N. V. and used by Ageas Federal Life Insurance Company Limited under license from respective partners. Ageas Federal Life Insurance Company Ltd. does not assume responsibility on tax implication.
#18-year-old healthy non tobacco consuming male with policy term 10 years and Premium payment term for 10 years
A Non-Linked Non-Participating Individual Pure Risk / Savings Life Insurance Plan (UIN: 135N102V01)
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