Child Education Plan

Their Dream.
Your Promise.
Our Plan.

A dedicated child education plan that grows alongside your child — ensuring that no dream is ever compromised due to finances, even if the unexpected happens.

Start Planning Goal Calculator

IRDAI Approved

Education Corpus — Aarav (Age 4)

₹32.4 L

Projected value at age 18 · 12.3% CAGR

Invested: ₹4.2L / ₹15L 14 yrs to goal

₹1,499

/ Month

100%

Tax Exempt

Life Cover

🏫

Next Payout Milestone

Class 12 Admission Fee

₹3,20,000 — 2033

Life Cover Active

8L+

Families Protected

₹12K Cr

Education Corpus Built

97.8%

Claim Settlement

14.2%

Avg CAGR Delivered

Child's Journey

We Fund Every Chapter of Their Story

From nursery to post-graduation, our plan releases structured payouts at every critical milestone — so you're always financially ready when your child needs it most.

Age 0 – 5 · Foundation

Plan Initiation & Premium Accumulation

Start as early as your child's birth. Your premiums are invested across equity & debt funds, building a powerful corpus through the power of compounding.

Compounding kicks in

Age 6 – 10 · Primary School

First Payout: School Admission

A lump sum is released to cover school admission fees, books, and extracurricular activities — giving your child the best start possible without dipping into savings.

First payout released

Age 11 – 15 · Middle & High School

Second Payout: Coaching & Skill Building

Competitive exams, coaching institutes, and skill programs cost more than ever. This payout ensures your child has every advantage — IIT JEE prep, NEET, or creative arts.

Career foundation begins

Age 16 – 18 · Pre-University

Third Payout: College Entrance Funding

Class 11-12 education, entrance exam fees, and application costs for top colleges — domestic or abroad. This payout has you fully prepared for the big leap.

College admission ready

Age 18 – 22 · Graduation

Major Payout: Degree & Living Expenses

The biggest lump sum — covering full graduation tuition, hostel, and living expenses whether they attend IIM, IIT, AIIMS, or a prestigious international university.

Largest corpus released

Age 23 – 25 · Post-Graduation

Final Payout: Masters / MBA / Study Abroad

For those who want to go further — an MBA, MS abroad, or a specialised master's degree. This final payout ensures ambition is never limited by budget.

Global dreams funded

Why ShieldLife Education Plan

Engineered Around Their Future

Waiver of Premium on Parent's Death

If the parent passes away during the policy term, all future premiums are waived — yet the policy continues and all payouts are made on schedule. Your child's future is truly protected.

Market-Linked Corpus Growth

Your premiums are invested in a portfolio of equity and debt funds with historically 12–15% CAGR returns. Switch funds freely as your risk appetite changes over time.

Structured Milestone Payouts

Unlike lump-sum policies, our plan releases money at every critical academic milestone — school, coaching, college, and post-graduation — aligned with actual cost timelines.

Triple Tax Benefits

Premiums under Sec 80C (₹1.5L), critical illness rider under Sec 80D, and the full maturity amount under Sec 10(10D) — complete tax shield on both investment and returns.

Study Abroad Coverage

Specifically designed to fund international education expenses including visa, travel, accommodation, and tuition in the UK, USA, Canada, Australia, and Singapore.

Dedicated Education Advisor

Every policyholder gets a dedicated education planning advisor who helps map financial milestones to real-world college admissions timelines and costs — at no extra charge.

Choose Your Plan

Every Dream Has a Plan

Three education plans built for every income bracket — all with milestone payouts, life cover, and premium waiver.

EduStarter

^₹1,499/mo

Corpus Target: ₹15 Lakhs

₹15L Education Corpus
₹30L Life Cover (2x)
3 Milestone Payouts
Premium Waiver Benefit
80C Tax Benefit
Study Abroad Coverage
Education Advisor

Get Started

Watch ₹2,999/mo Become ₹35 Lakhs

See how consistent, disciplined investment through EduGrowth compounds over 18 years into a life-changing education corpus — net of fees and inflation-adjusted.

🏫

School + Coaching

₹5.2L

Ages 6 – 15

🎓

Graduation

₹18L

Ages 18 – 22

✈️

Study Abroad

₹28L

Ages 22 – 25

🏆

MBA / Masters

₹35L

Full Corpus

Corpus Value Over Time — EduGrowth Plan (₹2,999/mo)

Year 3

₹1.1L

Year 5

₹2.3L

Year 8

₹5.4L

Year 11

₹11.2L

Year 15

₹22.8L

Year 18

₹35L

*Indicative at 12% CAGR. Actual returns subject to market performance.

Goal Calculator

How Much Do You Need to Save?

India's top colleges now cost ₹20–50 Lakhs over 4 years. Add global inflation and your child's goal in 15 years may be 3× today's cost. Calculate now and start early.

Enter your child's current age & target goal

We factor in education inflation (8% p.a.)
See the future corpus required

Inflation-adjusted to the year of need
Get your ideal monthly savings amount

Based on 12% CAGR over your investment horizon

Education Goal Calculator

Plan today. Secure tomorrow.

Child's Current Age

Target College Type

Existing Education Savings

₹0

Expected Return (%)

Degree Duration

Recommended Monthly SIP

₹2,847

*Includes 8% education inflation per year

Future Cost

₹56.8L

Your Contribution

₹4.9L

Returns Earned

₹51.9L

Start This Plan

Parent Stories

Dreams They Kept. Promises We Kept.

★★★★★

"I started EduGrowth when my daughter Priya was just 2 years old. Last year she got into Lady Shri Ram College — and every rupee of her admission was covered by the policy payout. I didn't touch our savings."

Rohit Srivastava

Engineer, Noida · EduGrowth Plan

★★★★★

"When my husband passed away in 2021, I was terrified about Arjun's education. ShieldLife waived all future premiums and the policy stayed active. His IIT-JEE coaching is fully funded. This plan saved our future."

Nandini Malhotra

Teacher, Jaipur · EduElite Plan

★★★★☆

"My son Kabir is now at University of Melbourne — fully funded by his ShieldLife education corpus. Starting early was the best financial decision we ever made. The study abroad coverage made international education possible."

Pradeep Desai

Business Owner, Surat · EduElite Plan

FAQ

Questions Parents Always Ask

Still unsure? Our education planning advisors are available 7 days a week.

Talk to an Advisor

The plan includes a built-in Premium Waiver Benefit. If the parent (policyholder) passes away during the policy term, all future premiums are completely waived. The policy continues to be in force, the corpus keeps growing, and all planned milestone payouts are made to your child exactly as scheduled. Your child's education is never disrupted.

The earlier the better — you can start from the day your child is born. Starting at age 0 gives you an 18-year runway for compounding. Starting at age 5 still gives 13 years. Even at age 10 you have 8 valuable years. Our calculator shows precisely how much you need to save per month based on your start age.

Yes. You can upgrade from EduStarter to EduGrowth or EduElite at any policy anniversary. You can also make top-up investments to boost your corpus at any time. Downgrading requires underwriting review and is subject to terms.

You receive three layers of tax benefit: (1) Premiums up to ₹1.5 Lakhs are deductible under Section 80C; (2) If you add the critical illness rider, that premium qualifies under Section 80D; (3) The full maturity payout (the education corpus) is completely tax-free under Section 10(10D), provided conditions are met.

EduGrowth and EduElite plans include specific Study Abroad Coverage for universities in the UK, USA, Canada, Australia, Singapore, Germany, and other approved countries. The payout can be used for tuition, visa fees, airfare, accommodation, and living expenses. EduStarter is limited to Indian institutions.

Their Dream. Your Promise. Our Plan.

We Fund Every Chapter of Their Story

Engineered Around Their Future

Every Dream Has a Plan

Watch ₹2,999/mo Become ₹35 Lakhs

How Much Do You Need to Save?

Dreams They Kept. Promises We Kept.

Questions Parents Always Ask

What happens to the plan if I (the parent) pass away?

At what age should I start a Child Education Plan?

Can I increase or decrease the corpus amount later?

What are the tax benefits of a Child Education Plan?

Does the plan cover education outside India?

Start Today.Let Compounding Do the Rest.

Their Dream.
Your Promise.
Our Plan.

Start Today.
Let Compounding Do the Rest.