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PPLI.com

PPLI research for NRIs and Indian families

PPLI in India PPLI vs ULIP For NRIs Tax on a foreign policy GIFT City FAST-DS 2026 Estate planning Research About

PPLI.com India · Research

The PPLI Library, India edition

Every page of the India edition, in the order a family meets the questions: what the policy is and whether it is lawful for you, what India does with it, what has to be declared, how it passes on, and where it should be issued. Each page is dated, sourced to the statute, and written for NRIs, returning NRIs and Indian families with members abroad. The same ground in Hindi is at the ज्ञान केंद्र.

Start here

Understand the policy, and whether it is lawful for you

Private placement life insurance in IndiaWhat PPLI is under Indian law, the four rules it stands on, what a policy costs, who issues it.The guide PPLI vs ULIPWhere the ₹2.5 lakh limit leaves a ₹10 crore family, and the seven questions to settle first.Comparison Can a resident Indian buy a foreign life policy?Regulation 4, LRS, TCS, and the three real routes for a resident family.FEMA

For NRIs

Before the return, and after

Returning to India: the RNOR windowResidence tests, the two to three RNOR years, regulation 4(ii), and the month-by-month sequence before the flight.RNOR How India taxes a foreign life policySection 10(10D), slab rate on surrender, the exempt death benefit, with a calculator for five situations.Tax Section 10(10D) for high-premium policiesThe ₹2.5 lakh and ₹5 lakh ceilings, the issue dates that decide, CBDT Circular 15/2023.Tax

Disclosure

What the tax department sees and expects

FAST-DS 2026 and your foreign life policyDeclare by 31 December: the two categories, the ₹1 lakh fee, valuation, the four forms.Deadline Schedule FA and a foreign life policyWho files, which table, which value, and what CRS already reports to the CBDT.Reporting Glossary for Indian families34 terms from NRI and RNOR to FEMA, 10(10D), Schedule FA, FAST-DS and MWPA, each with why it matters.Reference

Succession

How the money passes on

Estate planning in India with a life policyBeneficial nominees, MWPA policies, trusts, the death claim, personal law, and eight decisions to take first.Succession Inheritance tax in India 2026There is none since 1985; what applies instead, and the foreign inheritance taxes NRI families actually meet.Tax Ask a research questionWho answers, what to include, what not to send, and the five steps that follow.Contact

Jurisdictions

Where the policy should be issued

Singapore or LuxembourgIndian law treats them the same; insurer-failure protection, beneficiary rules, currency and manager choice differ.Comparison GIFT City life insuranceIIO policies, the 2025 exemption without a premium ceiling, and the unresolved resident LRS question.India India edition homeThe four questions a wealthy Indian family asks first, with the interactive chooser.Home

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