Nri returning to india

Assume if an NRI who spent above 30 years outside India is returning back for good. 1. How long his NRE / FCNR account can be with NRE status. On the other hand when those accounts will be converted to Normal Savings Account. (6 months / 1 year etc…) 2. Assume if the NRE has a FD of 50 lakhs for 10 years maturity period and he will be returning back for good after 2 years of opening the FD. I believe until the contractual period of 10 years the FD can continue. But how long the interest is not taxable on the FD. I read an article where it stays if an NRE is outside india for 9 year out of last 10 years then he can enjoy tax free status for 2 years from the date of return. 3. If the NRE & his spouse has different fixed deposits whether they can be considered as separate income tax assesses. 4. Assume if the NRE is returning and he and his wife has separate FD’s. Husband is above 60 and wife below 60. Can they enjoy 3 lakhs (husband) and 2.5 lakhs for wife as exempted income on their FD’s. Both of them were working abroad and had separate salaried income for themselves. 5. What are the exemptions for taxable income such as PO / INSURANCE etc…