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INTRODUCTION

SBI Life Insurance is a joint venture life insurance company between State Bank of India (SBI), the largest state-owned banking and financial services company in India, and BNP Paribas Assurance. SBI owns 74% of the total capital and BNP Paribas Assurance the remaining 26% of the capital. SBI Life Insurance has an authorized capital of 2000 crore (US$310 million)and a paid up capital of 1000 crore (US$150 million). In 2007, CRISIL Ltd, a subsidiary of global rating agency Standard & Poor's, gave the company a AAA/Stable/P1+ rating. When the government of India opened the life insurance sector to private companies, SBI started SBI Life as a joint venture with BNP Paribas in 2001. While in its initial stage its business was mainly from bancassurance channel, now it is developing its own agency team for selling its life insurance products. SBI Life Insurance is a joint venture between State Bank of India and BNP Paribas Cardif. SBI owns 74% of the total capital and BNP Paribas Cardif the remaining 26%. SBI Life Insurance has an authorized capital of Rs. 2,000 crores and a paid up capital of Rs 1,000 crores. Along with its 5 Associate Banks, State Bank Group has the unrivalled strength of over 18,000 branches across the country, arguably the largest in the world. BNP Paribas Cardif is the life and property & casualty insurance arm of BNP Paribas, one of the strongest banks in the world. BNP Paribas Group, having presence in more than 80 countries ranks highly in Retail Banking, Investment Solutions and Corporate & Investment Banking. BNP Paribas Cardif is one of the world leaders in creditor insurance and its life and non-life insurance units have received an AA rating from Standard & Poors. SBI Life Insurance has launched a guaranteed traditional savings plancalled Smart Income Protect. It offers tax-free regular income at a

guaranteed rate of 11 per cent of the sum assured or paid sum assured, for 15 years after maturity. The offer comes with a life insurance cover. The policyholder will receive a lump sum bonus at maturity, and regular guaranteed payout for 15 years after the maturity. The lump sum bonus comprises vested reversionary bonuses and terminal bonus, if any. In the event of the policyholders death, the sum assured is immediately payable to policyholders nominee or legal heir as a lump sum, along with the bonuses.

HISTORY

State Bank of India

State Bank of India (SBI) is a multinational banking and financial services company based in India. It is a government-owned corporation with its headquarters in Mumbai, Maharashtra. As of December 2012, it had assets of US$501 billion and 15,003 branches, including 157 foreign offices, making it the largest banking and financial services company in India by assets. The bank traces its ancestry to British India, through the Imperial Bank of India, to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. Bank of Madras merged into the other two presidency banksBank of Calcutta and Bank of Bombayto form the Imperial Bank of India, which in turn became the State Bank of India. Government of India nationalised the Imperial Bank of India in 1955, with Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the government took over the stake held by the Reserve Bank of India. SBI was ranked 285th in the Fortune Global 500 rankings of the world's biggest corporations for the year 2012. SBI provides a range of banking products through its network of branches in India and overseas, including products aimed at non-resident Indians(NRIs). SBI has 14 regional hubs and 57 Zonal Offices that are located at important cities throughout the country. SBI is a regional banking behemoth and has 20% market share in deposits and loans among Indian commercial banks. The State Bank of India was named the 29th most reputed company in the world according to Forbes 2009 rankings and was the only bank featured in the "top 10 brands of India" list in an annual survey conducted by Brand Finance and The Economic Times in 2010.

The roots of the State Bank of India lie in the first decade of 19th century, when the Bank of Calcutta, later renamed the Bank of Bengal, was established on 2 June 1806. The Bank of Bengal was one of three Presidency banks, the other two being the Bank of Bombay (incorporated on 15 April 1840) and the Bank of Madras (incorporated on 1 July 1843). All three Presidency banks were incorporated as joint stock companies and were the result of the royal charters. These three banks received the exclusive right to issue paper currency till 1861 when with the Paper Currency Act, the right was taken over by the Government of India. The Presidency banks amalgamated on 27 January 1921, and the re-organised banking entity took as its name Imperial Bank of India. The Imperial Bank of India remained a joint stock company but without Government participation. Pursuant to the provisions of the State Bank of India Act of 1955, the Reserve Bank of India, which is India's central bank, acquired a controlling interest in the Imperial Bank of India. On 1 July 1955, the Imperial Bank of India became the State Bank of India. The government of India recently acquired the Reserve Bank of India's stake in SBI so as to remove any conflict of interest because the RBI is the country's banking regulatory authority. In 1959, the government passed the State Bank of India (Subsidiary Banks) Act, which made eight state banks associates of SBI. A process of consolidation began on 13 September 2008, when the State Bank of Saurashtra merged with SBI. SBI has acquired local banks in rescues. The first was the Bank of Behar (est. 1911), which SBI acquired in 1969, together with its 28 branches. The next year SBI acquired National Bank of Lahore (est. 1942), which had 24 branches. Five years later, in 1975, SBI acquired Krishnaram Baldeo Bank, which had been established in 1916 in Gwalior State, under the patronage of Maharaja Madho Rao Scindia. The bank had been the Dukan Pichadi, a small moneylender, owned by the Maharaja. The new banks first manager was Jall N. Broacha, a Parsi. In 1985, SBI acquired the Bank of Cochin inKerala, which had

120 branches. SBI was the acquirer as its affiliate, the State Bank of Travancore, already had an extensive network in Kerala. The State Bank of India and all its associate banks are identified by the same blue keyhole logo. The State Bank of India wordmark usually has one standard typeface, but also utilises other typefaces.

Vision : "To be the most trusted and preferred life insurance provider " Mission : "To emerge as the leading company offering a comprehensive range of life insurance and pension products at competitive prices, ensuring high standards of customer satisfaction and world class operating efficiency, and become a model life insurance company in India in the post liberalization period". Values : Trustworthiness Ambition Innovation Dynamism Excellence

SBI Life has a unique multi-distribution model encompassing vibrant Bancassurance, Retail Agency, Institutional Alliance and Corporate Solutions distribution channels. SBI Life extensively leverages the State Bank Group relationship as a platform for cross-selling insurance products along with its numerous banking product packages such as housing loans and personal loans. SBIs access to over 100 million accounts across the country provides a vibrant base for insurance penetration across every region and economic strata in the country, thus ensuring

true financial inclusion. Agency Channel, comprising of the most productive force of over 80,000 Insurance Advisors, offers door to door insurance solutions to customers.

Key Milestones Financial Year 11-12: Awarded the most coveted NDTV Profit Business Leadership Award, twice in a row, 2010 & 2011. Awarded Most Trusted Life Insurance Brand - II By The Economic Times, Brand Equity and Nielsen, Most Trusted Brands 2011. Globally topped the prestigious Million Dollar Round Table (MDRT) for having the maximum number of MDRT members, for three years consecutively. CRISIL reaffirmed its AAA / Stable rating to SBI Life, indicating highest financial strength to meet policyholder obligations. ICRA reaffirmed its iAAA rating indicating highest claims paying ability and a fundamentally strong position. Won one of the most prestigious quality distinction, IMC Ramkrishna Bajaj National Quality Awards 2011- "Certificate of Merit" Awarded Silver Shield by ICAI for Excellence in Financial Reporting for FY 2010 11 under the Insurance category. Won Best Presented Accounts Award by The South Asian Federation of Accountants (SAFA), in the Insurance Category for the Annual Report FY 2009-10. Financial Year 10-11: SBI Life won the coveted Bloomberg UTV Financial Leadership Award 2011 - "Life Insurer of the year". Won the most coveted NDTV Profit Business Leadership Award 2010.

Globally topped the prestigious Million Dollar Round Table (MDRT) 2010 for having the maximum number of MDRT members. Awarded the Gold Shield by Institute of Chartered Accountants of India (ICAI) for Excellence in Financial Reporting. Won the ICS Quality Champion Award 2010 for Continual Quality Improvement. Adjudged Best Life Insurer 2010 - Runner Up by Outlook Money. Launched an innovative customer care initiative - SMS SOLVE for prompt Grievance Redressal. Appraised at Maturity level 3 of Capability Maturity Model Integration (CMMI) Version 1.2 for its ISG Division. ICRA reaffirmed iAAA rating to SBI Life, indicating highest claims paying ability and meeting policyholders obligations. CRISIL, countrys leading rating agency, reaffirmed its highest financial rating AAA/Stable to SBI Life. Financial Year 09-10: Reported a robust Net Profit of Rs.276 Crores. Crossed Rs.10,000 Crores in Gross Written Premium (GWP). Assets Under Management (AUM) grew by 96% to Rs.28, 551 Crores. Globally topped the prestigious MDRT 2009 for having Maximum number of MDRT Members. ICRA reaffirmed iAAA rating to SBI Life indicating highest claims paying ability. Awarded ISO Certification (ISO/IEC 27001:2005) for Information Security Management System (ISMS). Retained ISO 9001:2000 certificate for superior claim settlement process. Financial Year 08-09: Ranked among global top three in terms of number of Million Dollar Round Table (MDRT) members.

Bagged the coveted personal finance award-Outlook Money NDTV Profit "Best Life Insurer 2008". CRISIL, countrys leading rating agency, reaffirmed its highest financial rating AAA/Stable to SBI Life. In 2007, SBI Life became the first life insurer in India to receive this rating from CRISIL. ICRA assigned iAAA rating indicating highest claims paying ability to SBI Life Insurance. Retained ISO 9001:2000 certificate for superior claim settlement process. Financial Year 07-08: Ranked amongst global top five life insurance companies in the number of MDRT members. Rated as the The Most Trusted Private Life Insurer according to a survey conducted by Brand Equity in association with AC Nielsen ORGMARG and the Economic Times Intelligence Bureau. Received the highest financial rating AAA from CRISIL. Forayed into micro insurance with the launch of Grameen Shakti in Bhubaneshwar, Orissa for the economically underprivileged sections of society. Received ISO 9001: 2000 certification for superior claim settlement process. Received CMMI Level 3 certification for IT processes and software development capabilities. Financial Year 06-07: Second consecutive year of Profitability More than 6.40 Million lives covered Financial Year 05-06: Reported a robust net profit of Rs. 2.02 Cr

SBI Lifes CSR Initiative on World Leprosy Day

Coinciding the World Leprosy Day i.e. 30th January, SBI Life supported a Leprosy Eradication Trust - Loknayak, by donating ambulance.

Mr. Atanu Sen, MD & CEO, SBI Life presenting the ambulance keys to Dr. Jagdish Samant, International Award Winner and Founder of Loknayak Jayaprakash Narayan Leprosy Eradication Trust

SBI Lifes CSR Initiative - Enabling Mentally Challenged Children

Life participated in Mumbai Marathon 2013 to support mentally challenged children through its CSR partner - Swayamsiddh. Mr. Atanu Sen, MD & CEO presented the contribution cheque for SBI Lifes CSR Initiative to Dr. Vandana Mehta, Swayamsiddh - CSR Partner for enabling mentally challenged children in the presence of Mr. Sudhin Roy Chowdhury, Member (Life), IRDA.

Team SBI Life with writer Chetan Bhagat at Mumbai Marathon 2013

Gift Drishti

One of our corporate ethos, enhancing our SBI Life brand value, is about giving back to the society. In line with our Corporate Social Responsibility (CSR) initiatives, the cause of supporting our Elderly Citizens was initiated. Incidence of cataract blindness, annually at 3.28 million, is one of the most prevalent health ailments suffered by old people, particularly in rural pockets of our country.

On the occasion of World Elders Day on 1st October, CSR initiative - "Gift Drishti" (Restoring vision) was launched in partnership with HelpAge India, a registered national level voluntary body, working for the cause of disadvantaged aged persons. Restoring vision is done through Intra Ocular Surgery (IOL). SBI Life employees made monetary contributions to the cause. SBI Life donated twice the sum contributed by its employees. Eye sight for thousands of elderly citizens was restored across the rural parts of the country.

Gift Drishti Camps

Read India Pledge

SBI Life undertook the Corporate Social Responsibility (CSR) initiative, aimed at driving the cause to make children read and write. The campaign, "Read India Pledge" sensitized general public towards the cause and urged them to pledge & support the cause monetarily or by devoting time.

The campaign was partnered by Pratham, one of the leading child-cause related NGOs and Radio Mirchi, a leading radio station.

Read India Camps

Services SBI Life offers a wide range of services to you where not only you can track your account, generate premium online. Also you can now pay your premium online with our Electronic Clearing Service (ECS) which is convenient and minimizes time & effort. Click on the links on the left menu to explore the services offered.

Contact Us Were always eager to hear from you - Please send your queries /suggestions:

Email us: info@sbilife.co.in Call us: Toll Free Numbers: 1800 22 9090 / 1800 222 123 / 1800 425 9010 (Customer Service timings: 9:00 a.m. to 9:00 p.m., seven days a week) Corporate Office: Telephone No. : 022 - 6191 0000 Write to us: Corporate Address: SBI Life Insurance Co. Ltd., "Natraj", M.V. Road & Western Express Highway Junction, Andheri (East), Mumbai - 400 069

INDIVIDUAL PLANS
Protection Plans Protection Plans are low cost insurance plans which are specially designed to provide full protection & financial stability to your family in case of any unforeseen events. SBI Life presents range of attractive protection plans so that you can continue to celebrate life without worrying about the uncertainities of life. . SBI Life - eShield SBI Life - eShield is an Individual, Non Linked, Non Participating pure term plan, with options and benefits specially tailored for those who want the best financial protection at an affordable cost. Key Features: Security for your family at an affordable premium. Easy and seamless online process for securing life cover. Rewards you for maintaining a healthy lifestyle. Wide variety of plan options, which has level and increasing cover. Additional benefit of Accidental Death Benefit. Tax benefits# u/s 80C and 10(10D) of Income Tax Law, 1961. Product Snapshot Plan Options Level Cover Level Cover with Accidental Death Benefit Increasing Cover Increasing Cover with Accidental Death Benefit Age^ at Entry Min: 18 years Max: For Level Cover & Level Cover with Accidental Death Benefit: 65 years

For

Increasing

Cover

& with

Increasing

Cover

Accidental Death Benefit: 60 years Maximum Age^ 70 years at Maturity Basic Assured Sum Min: Rs. 20,00,000/- Max: No Limit (Subject to

Sum Assured would be underwriting) in multiples of Rs.1, 00,000 only.

Policy Term

Min: For Level Cover Max: 30 years & Level Cover with Accidental Benefit: 5 Death years

For Increasing Cover & Increasing Cover with Accidental Benefit: 10 years Premium Frequency Premium Payment term Premium Amount ^ All the references to age are age as on last birthday. Min: Rs. 3,500 Max: No Limit Same as Policy term Yearly Death

Effective Sum Assured: Level Cover and Level Cover with Accidental Death Benefit: Effective Sum Assured on any day is equal to the Basic Sum Assured. Increasing Cover and Increasing Cover with Accidental Death Benefit : Effective Sum Assured on any day will be the Basic sum assured increased at the rate of 10% simple interest after every 5th policy year without increasing the premium.

Benefits: On Death: Depending upon the Plan option chosen, the nominee will receive the Effective sum assured at the time of death. Death benefit will be paid provided all regular premiums are paid and the policy is in force as on the date of claim. On Maturity: No survival benefit available at the end of the term. Other Benefits: Accidental Death Benefit: Inbuilt under plan options - Level Cover with Accidental Death Benefit and Increasing Cover with Accidental Death Benefit. In case one of the above plan options is chosen, then in case of death of the life assured due to accident during the policy term, Accidental Death Benefit will be paid to the beneficiary in addition to the effective sum assured at the time of death. The Accidental Death Benefit will be equal to the Basic sum assured or Rs. 50 Lakhs whichever is lower.

SBI Life - Smart IncomeShield Insurance SBI Life - Smart IncomeShield Insurance A plan that gives you a advantage against eventualities of death, disability or critical illness by providing you with a income benefit, which can meet your and your familys daily lifestyle finances.

SBI Life - Smart IncomeShield Insurance is a non-participating term insurance Policy. Key Features Establishes a solid foundation for a lifetime of financial security, ability to continue to maintain the lifestyle for your family.

Customize your policy with various plan options : Basic Plan - provides monthly income benefit in an event of death Monthly income benefit as opted will be paid for the payout term as chosen, Additional benefit equal to 12 times the monthly income will be paid as lump sum immediately. Advantage Plan - provides monthly income benefit in an event of death or Critical illness or Total permanent disability, whichever occurs first. Monthly income benefit as opted will be paid for the payout term as chosen, Additional benefit equal to 12 times the monthly income will be paid as lump sum immediately

Flexibility to choose Monthly income benefit payout. Benefit Option I : Regular monthly payouts for 5 years

Product Snapshot: Plan option Basic Plan: Benefit payable in event of death

Advantage Plan^ : Benefit payable in event of death / Total Permanent Disability (TPD) due to Accident or Sickness / Critical Illness,

whichever is earlier Age* at Entry Basic Plan: Min : 18 years; Max: 65 years Advantage Plan: Min: 18 years; Max: 60 years Age* at Maturity Basic Plan : 70 years

Advantage Plan : 65 years Policy Term Payout Term Min: 5 years Max: 25 years Benefit Benefit Option Option I II: : 5 10 years years

Benefit Option III: Outstanding Policy Term Monthly Benefit Income Basic Plan Advantage Plan

Min: Rs 10,000 p.m. Min: Rs. 10,000 p.m Max: No Limit Max: Rs. 50,000 p.m.

Premium Paying Term Regular premium (Same as policy term) (PPT) Limited Premium payment

term[LPPT] (Applicable only for Benefit Option III under Advantage Plan) both Basic Plan &

Sum Assured Premium Frequency

12 x Monthly Income benefit x Payout term Yearly / Half-yearly / Quarterly / Monthly#

Limited Premium Payment Term (LPPT). LPPT is offered only for Benefit Option III under both Basic Plan & Advantage Plan mentioned above. The Premium payment term will be as follows: Policy Term 5 PPT 3 6 4 13 8 20 13 7 4 14 9 21 14 8 5 15 10 22 14 9 6 16 10 23 15 10 6 17 11 24 16 11 7 18 12 25 16

Policy Term 12 PPT 8

Policy Term 19 PPT 12

Benefits: Death Benefit: Basic Plan/Advantage Plan Monthly income benefit as opted will be paid for the payout term as chosen, Additional benefit equal to 12 times the monthly income will be paid as lump sum immediately. Critical Illness or Total and Permanent Disability (TPD) Benefit: Basic Plan: Not Applicable. Advantage Plan Monthly income benefit as opted will be paid for the payout term as chosen, Additional benefit equal to 12 times the monthly income will be paid as lump sum immediately. Maturity Benefit: No maturity benefits are payable. Paid Up benefit : Paid-ups are not applicable for Benefit Options I and II Paid-up value payable under Benefit Option III (Basic Plan & Advantage plan)Z

Tax Benefits U/s 80C of the Income Tax Act 1961 on your premiums. U/s 10(10D) of the Income Tax Act 1961 on your death proceeds under the policy. Tax benefits as per prevailing norms under the Income Tax Act, 1961. Tax laws are subject to change in future.

SBI Life - Smart Shield SBI Life - Smart Shield is a traditional non-participating pure term plan, which is a one stop solution that meets all your insurance needs. With Options and benefits specially tailored for those who want best financial protection at an affordable cost, this is the perfect plan from your preferred insurance provider. Now your family stays protected, even when you are not around.

Key Features: Establishes a solid foundation for a lifetime of financial security for your family. Rewards you for maintaining a healthy lifestyle. Wide variety of plan options to give you freedom from your liabilities. Large Sum Assured rebates. You can also customize your coverage by choosing from a wide range of additional benefits such as Accidental Death Benefit Rider (UIN: 111B015V01), Accidental Total and Permanent Disability Rider UIN: (111B016V01) and Accelerated Critical Illness cover option. Tax benefits as per prevailing norms under the Income Tax Act, 1961.

Product Snapshot: Plan Options Option I Option II Option III Option IV Level Term Assurance Increasing Term Assurance Decreasing Term Assurance(Loan Protection) Decreasing Term Assurance(Family Income Protection) Term Minimum Policy Term Maximum Policy Term 5 years For Option I, II & IV 30 years

For Option III - Equal to the outstanding loan term subject to maximum of 30 years

Premium Minimum Premium Single Premium :- Rs. 15,000/Regular Premium:Yearly: Rs. 5,000/Half-Yearly: Rs.2,500/Quarterly: Rs.1,250/Monthly: Rs. 450/Premium Mode Single/ Yearly / Half yearly / Quarterly / Monthly ** Age* Minimum Entry Age Maximum Entry Age 18 years 65 years

Sum Assured Minimum Sum Assured Rs. 25,00,000 ( Rs. 1,00,000) Maximum Sum Assured No Limit Riders Available SBI Life - Accidental Death Benefit Rider (UIN: 111B015V01) SBI Life-Accidental Total & Permanent Disability Benefit Rider (UIN: 111B016V01) Options Available under the Product Accelerated Critical Illness Benefit *
**

All

the

references

to

age

are

age

as

on

last

birthday.

For monthly mode, 3 months premium to be paid in advance and renewal

premium payment is allowed only through ECS, Credit card, Direct debit and SI-EFT

Benefits: Death Benefit: Depending on the plan option chosen, the nominee will receive the effective Sum Assured under this policy. Maturity Benefit: No survival benefit available at the end of the term. Other Benefits: Riders: SBI Life Accidental Death Benefit Rider (UIN:

111B015V01): In case of death due to an accident, the Rider Sum Assured is payable in addition to normal death benefit.

SBI Life - Accidental Total and Permanent Disability Benefit Rider(UIN: 111B016V01):The Rider Sum Assured will be paid on the Life Assured being found eligible for the Total Permanent Disability Benefit as defined in the policy

document.

Cover Option: You have the option to further enhance your Level Term Assurance and Increasing Term Assurance by opting for the Accelerated Critical Illness benefit.

This option is available with Level Term Assurance and Increasing Term Assurance benefit. Tax Benefits Tax deduction under Section 80(C) is available. However in case the premium paid during the financial year, exceeds 10% of the sum assured, the benefit will be limited up to 10% of the sum assured. Tax deduction under Section 80 (D) is available for premiums paid towards Accelerated Critical Illness Benefit. Tax exemption under Section 10(10D) is available, subject to the premium not exceeding 10% of the sum assured in any of the years during the term of the policy. Tax benefits, are as per the Income Tax laws & are subject to change from time to time. Please consult your tax advisor for details.

SBI Life - Saral Shield SBI Life - Saral Shield is a traditional non-participating pure term plan, At a affordable cost, Saral Shield provides cover for your family and ensures that a proper safety net is created. Thus, it guarantees that there will be absolutely no compromise on your dreams and ambitions for your loved ones, at all times. Isnt it great? So, get the Shield advantage now!!

Key Features: Hassle-free, convenient and easy issuance. Financial Security. Wide varieties of plan options to give you freedom from your liabilities. Large sum assured rebates. Enhance your protection by availing two riders- Accidental Death Benefit Rider (UIN: 111B015V01) and Accidental Total and Permanent Disability Rider (UIN: 111B016V01). Tax benefits as per prevailing norms under the Income Tax Act, 1961.

Product Snapshot: Age at Entry Age at Maturity Plan Options Min: 18 years Max: 65 years Level Term Assurance Decreasing Term Assurance (Loan Protection) Decreasing Term Assurance (Family Income Protection) Sum Assured(x 50,000/-) Policy Term Min: 5 yearsMax: For Level Term Assurance and Decreasing Term Assurance(Family Income Protection) - 30 years For Decreasing Term Assurance (Loan Protection) - Equal to the outstanding loan term subject to maximum of 30 years Premium Paying Premium Modes Same as policy term For Level Term Assurance: Single Premium (SP), or Regular Premium(RP) Min: Rs. 7,50,000 Max: Rs. 24,00,000 Max: 60 years

(Yearly / Half-yearly / Quarterly / Monthly**) For Decreasing Term Insurance (Loan Protection) & DecreasingTerm Insurance (Family Income Protection) : Single Premium Min Premium Amounts Regular Premium: Yearly Rs. 2,000/-

Half-yearly Rs. 1,100/Quarterly Monthly Rs. Rs. 600/250/-

Single Premium: Rs. 10,000/All the references to age are age as on last birthday. Instant Premium Reckoner## Age of For SA - Rs. 10 Lakhs Life Assured (years) 10 25 30 35 40 45 15 20 25 10 15 3,442 4,157 5,745 8,304 20 3,713 4,759 6,888 25 4,163 5,602 8,255 For SA - Rs. 20 Lakhs Term (in years)/

Policy Term (in years)/ Policy Premium (in Rs)

Premium (in Rs)

2,052 2,052 2,188 2,413 3,442 2,197 2,409 2,711 3,132 3,731 2,778 3,204 3,775 4,459 4,893 3,726 4,483 5,350 6,379 6,791 5,421 6,556 7,866 NA

10,038 12,096

10,179 12,449 15,070 NA

Note: ## The above annual level term assurance premiums are for a standard, healthy male life and are inclusive of service tax as well as high sum assured rebate, wherever applicable.

Tax Benefits Tax deduction under Section 80(C) is available. However in case the premium paid during the financial year, exceeds 10% of the sum assured, the benefit will be limited up to 10% of the sum assured. Tax exemption under Section 10(10D) is available, subject to the premium not exceeding 10% of the sum assured in any of the years during the term of the policy. Tax benefits, are as per the Income Tax laws & are subject to change from time to time. Please consult your tax advisor for details..

SBI Life - Swadhan SBI Life - Swadhan is an affordable traditional term Insurance policy with refund of part / Total basic premium paid at the end of the term to the policyholder.

As a Maturity benefit, you receive a repayment of your premium contribution towards the policy. Available at a low premium, it can provide security to your loved ones.

Key Features: Protection at affordable premium. Guaranteed refund of basic premium paid on Survival at the end of the term, depending upon the term of the policy. Life cover comes to you at no cost** Tax benefit u/s 80 C and 10 (10 D) of IT Act Additional 5% rebate for Female lives Rebate on High Sum Assured Flexible benefit premium paying mode Free look period of 15 days

** If you survive the policy term, you will receive a lump-sum repayment of your premium contributions towards the policy depending on the chosen term.

Product Snapshot: Term Minimum Policy Term Maximum Policy Term Premium Premium Mode Age Minimum Entry Age Maximum Entry Age Maximum Cover Age Sum Assured Minimum Sum Assured Maximum Sum Assured Rs 3 Lakhs Rs 1 Crore 18 years 65 years 70 years Quarterly / Half yearly / Yearly 5 years 10 years

How does it work? You can take a cover ranging from 5-10 years. In the unfortunate event of death, the nominee would receive the entire sum assured as a lump sum payment. If you survive the entire term, you would be eligible to a refund of premiums depending upon the term of policy. For example, if your policy is for 5 years, youd be eligible for refund of 50% of the total

premiums paid; for 6 years, the refund would be 60%, and so on. Hence, if youve taken a policy for 10 years, youd receive 100% of your premiums back as refund.

Benefits: Maturity Benefit: If you survive for the entire term of the plan, you would be eligible to a refund of the premiums depending upon the term of the policy. Term 5 years 6 years 7 years 8 years 9 years 10 years Percentage of Basic Premium refunded 50% 60% 70% 80% 90% 100%

Death Benefit: In the event of claim, your nominee would receive full Sum Assured.

Riders Available: No Riders are available.

SBI Life - Grameen Bima The objective of this product is to provide life cover to the deprived sections of the society at affordable costs thereby aiding them tide over difficult times in case of an unforeseen event. SBI Life - Grameen Bima is an individual, pure term, micro-insurance plan for the socially deprived and economically vulnerable segments of the population.

Key Highlights : Choose your premium, correspondingly your life insurance cover will be determined. Prompt Processing & Enrolment No medical examination required * Registration based on a simple form * Conditions apply Eligibility
Age* at entry Policy Term Premium Amount Minimum: 18 years 5 years Minimum: Rs. 300** Maximum: Rs. 2000** Maximum: 50 years

Premium amounts will be in multiples of Rs. 100 Premium Frequency Minimum: Rs. 10,000 Age Band Sum Assured 18 - 39 40 - 44 45 - 50 Maximum: Rs. 50,000 Sum Assured 60 times Single premium paid 40 times Single premium paid 25 times Single premium paid Single

* All references to age are age as on last birthday

Benefits under the plan: Death Benefit In the unfortunate event of death of the life assured during the policy term, the nominee will receive the Sum Assured. Maturity Benefit There is no maturity benefit under this plan. Surrender Benefit Surrender is allowed from 2nd year onwards.

No surrender benefit is payable in the last year of the policy. Tax Benefits Alongside other features, this product also offers you the following tax benefits: u/s 80C of the Income Tax Act 1961 on your base premium. u/s 10 (10D) of the Income Tax Act 1961 on the death proceeds. Unit Linked Plans The equity market may have its ups and downs, but you now have a protective shield that will safeguard your investments, while providing upside potential. SBI Life brings you Smart Performer, a Unit Linked, Non Participating insurance product that offers you the twin benefits of Higher than the Highest of the daily NAV Guarantee and the prospect of market upside. Whats more, it also allows you to protect your gains through Automatic Rebalancing facility and offers you a choice of Single and Limited Premium Payment options. Key Features: Guarantee at maturity based on 5% Higher than Highest Guaranteed NAV during the first seven years or prevailing NAV at Maturity, whichever is higher, subject to conditions#. Enjoy the best of both worlds - Guarantee only or Guarantee and Market Upside through our Plan offerings - Secure Plan and Secure N Grow Plan respectively Automatic Rebalancing facility to lock-in your gains, available under Secure N Grow Plan option Convenience through single premium (SP) or 5 year Premium Paying Term (PPT) Life Insurance coverage with minimum Sum Assured of 10 times or 7 times of your Annualised Premium (AP), based on your age. Liquidity through Partial Withdrawal(s) Option to customize the product with Accidental Death Benefit

SBI Life - Unit Plus Super SBI Life Unit Plus Super is a flexible non participating Unit linked insurance Plan, specially designed to meet your changing requirements at various stages of life. With a wide array of funds, riders and other options, this product gives you the complete freedom to fulfill all your investment and insurance needs. And thats not all; we now also offer you guaranteed additions and choice of payment options, giving you superior value.

Key Features: Guaranteed Additions# of up to 75% of one annual regular premium on a regular premium policy, for a 30 year policy term, subject to the Policy being in force till the maturity date. No Policy Administration fee for first 5 years for Regular and Limited Premium Paying Term (LPPT) plans, thereby boosting your fund value No Premium Allocation Charge from 11th year onwards Guaranteed Additions starting as early as 10th policy year onwards Enhanced investment opportunity through 9 varied Fund Options including P/E Managed Fund, Index Fund & Top 300 Fund Option to pay Regular/Limited/ Single Premium; Switch or Redirect your premiums Flexible product with an option to increase/decrease your Sum Assured from 6th year onwards Life Insurance coverage, with minimum Sum Assured, based on your age Liquidity through Partial Withdrawals. Option to customize the product with a wide range of riders: SBI Life Criti Care 13 Rider (UIN: 111A018V01), SBI Life - Accidental Death Benefit Linked Rider (UIN: 111A019V01), SBI Life - Premium Payor Waiver Benefit Rider (UIN: 111A017V01) and SBI Life - Income Sustainer Rider (UIN: 111A020V01).

SBI Life - Saral Maha Anand SBI Life - Saral Maha Anand is a product created just for you, which will pleasantly surprise you with its sheer simplicity and convenience! It is a unit linked non participating Life Insurance Plan, which lets you manage your investments according to your risk appetite, giving you the power to realise market related returns on your policy. You can choose your required Life Insurance cover subject to a minimum and maximum limit. Key Features: No medical examination, Simple joining process#. Liquidity through Partial Withdrawals. Guaranteed Additions## of up to 30% of one annual premium, for a 20 year policy term, subject to the Policy being in force till the maturity date. Option to avail additional rider benefit under SBI Life Accidental Death Benefit Linked Rider (UIN: 111A019V01) 4 Fund options, to enjoy market related returns as per your risk appetite. Twin Benefit of Market linked returns & insurance cover.

SBI Life - Smart Elite SBI Life - Smart Elite is a Unit Linked Insurance plan - an exquisitely crafted product, exclusively for special customers like you. It gives you flexibility to pay premium(s) for limited term or single premium, with the freedom to stay invested and protected for long term. Whats more, you have the power of choosing the option best suited to your needs. All this and more, coming from SBI Life your preferred insurer, adds enormous value to your investments. Key Features: Pay premiums only for a limited term of 5, 8 or 10 years or a Single Payment, as per your convenience and enjoy benefits throughout the chosen policy term. No Premium Allocation Charges from 6th policy year onwards, thereby enhancing your fund value.

Two protection options available: Gold Option & Platinum Option Invest in wide range of funds and manage them as per your convenience. Life Insurance coverage with minimum Sum Assured of 10 or 7 times of your Annual Premium (AP), based on your age. Switch and redirection facility, to pilot your investments. Option to increase/decrease your Sum Assured from 6th policy year onwards. Accidental Death and Accidental Total and Permanent Disability (Accidental TPD) benefit automatically comes to you as an integral part of the plan!

SBI Life - Smart Scholar Life begins afresh when you become a parent. Its a joy you never felt and a feeling you never experienced. When your child takes baby steps towards you, you wonder what else bliss could be? Amidst all this divine happiness, theres a new sense of responsibility that fills your heart. Like you may not really believe that lifes a rose bed or a tender cushion, but you certainly want it to be for your lovely children. At SBI Life, we understand and we provide you with a flexible and allencompassing solution through our SBI Life - Smart Scholar Plan. Choose the one that suits you and your childs needs best. Our specially crafted SBI Life - Smart Scholar Plan is as accommodating as you are to your child. Key Features: Secure your childs future by gaining from the financial markets and much more. Dual protection for your family, in case you are not around Payment of base Sum Assured and Inbuilt Premium Payor Waiver benefit to ensure continuance of your benefits.

In addition, Accident Benefit which includes Accidental Death benefit

and Accidental Total and Permanent Disability (Accidental TPD) benefit, is an integral part of the plan. Free allocation of units by way of regular Loyalty Additions, giving periodic boosts to your investments. Enhanced investment opportunity through 9 varied fund

options including P/E Managed Fund, Index Fund & Top 300 Fund. Twin benefits of market linked return & insurance benefit. Liquidity through partial withdrawal(s).

SBI Life - Smart Horizon SBI Life Smart Horizon is a non participating Unit Linked Life Insurance Plan. With Smart Horizon, we give you a hassle free way to get market linked returns through the feature of Automatic Asset Allocation, so you truly dont need to be an expert to grow your money! Should you be keen on managing your money actively, we also give the freedom to take charge of your investments. Key Features: No Premium Allocation Charge from 2nd year onwards, thereby enhancing your fund value. Hassle free investment management by way of Automatic Asset Allocation, also a choice to manage your investments actively by choosing between 4 diverse fund options at your disposal. You can also enjoy the best of both worlds, by a combination of Automatic Asset Allocation and the Active Fund Management options. Life Insurance coverage, with minimum Sum Assured based on your age. Flexible product with an option to increase or decrease your Sum Assured, from 6th year onwards. Switch and redirection facilities, to give you the power for active management of your investments. Option to customize the product with a wide range of riders: SBI Life Criti Care 13 Rider (UIN: 111A018V01), SBI Life - Accidental Death

Benefit Linked Rider (UIN: 111A019V01), SBI Life - Premium Payor Waiver Benefit Rider (UIN: 111A017V01) and SBI Life - Income Sustainer Rider (UIN: 111A020V01).

SBI Life - Smart Wealth Assure

Equity Market Performance is affected by many variables like Economic condition, Liquidity, Corporate Performance, Global Markets etc. Thus you are not sure what returns you will get on your hard earned money. SBI Life realises the same and brings to you Smart Wealth Assure which takes care of all these variables and gives you Peace of Mind by providing a Minimum NAV Guarantee Plus Upside, if any. SBI Life - Smart Wealth Assure is a unit Linked non participating Life Insurance Plan. The Plan is further fortified with many power packed features which takes care of your financial needs.

Key Features: Option to choose a mix of funds providing Guaranteed Return and Market Linked Returns Guaranteed Return provided through Return Guarantee Fund (RGF) which guarantees a Minimum Pre-specified NAV, subject to conditions** Apart from minimum guarantee, any upside in the RGF will also be paid to You Market Linked Returns provided through 3 funds Bond Fund, Equity Fund & P/E Managed Fund to give you the best possible returns Pay only once and get the benefits throughout the Policy Term Liquidity through Partial Withdrawal(s)

CHILD PLAN
SBI Life - Scholar II

A traditional participating plan, SBI Life - Scholar II has guaranteed benefits which are payable at the regular intervals during the term of the policy. In an unfortunate event, your nominee would receive full sum assured along with vested bonus, plus regular guaranteed survival benefit.

Key Features: Twin benefit of saving for your childs education and securing a bright future despite the uncertainties of life. Full risk cover throughout the policy term irrespective of payment of survival benefits installments. Option to receive the installments in lump sum at the due date of first installment of Survival benefit. Rebate for Female lives and High Sum Assured. 15 days Free Look Period.

SBI Life - Smart Scholar Life begins afresh when you become a parent. Its a joy you never felt and a feeling you never experienced. When your child takes baby steps towards you, you wonder what else bliss could be? Amidst all this divine happiness, theres a new sense of responsibilit y that fills your heart. Like you may not really believe that lifes a rose bed or a tender cushion, but you certainly want it to be for your lovely children. At SBI Life, we understand and we provide you with a flexible and allencompassing solution through our SBI Life - Smart Scholar Plan. Choose the one that suits you and your childs needs best. Our specially crafted Smart Scholar Plan is as accommodating as you are to your child.

Key Features: Secure your childs future by gaining from the financial markets and much more. Dual protection for your family, in case you are not around Payment of base Sum Assured and Inbuilt Premium Payor Waiver benefit to ensure continuance of your benefits.

Accident Benefit which includes Accidental Death benefit and Accidental Total and Permanent Disability (Accidental TPD) benefit, is an integral part of the plan.

Free allocation of units by way of regular Loyalty Additions, giving periodic boosts to your investments. Enhanced investment opportunity through 9 varied fund

options including P/E Managed Fund, Index Fund & Top 300 Fund. Twin benefits of market linked return & insurance benefit. Liquidity through partial withdrawal(s).

PENSION PLAN
SBI Life - Saral Pension Retirement means giving up work and continuing to Celebrate Life! SBI Life - Saral Pension is a traditional, participating pension plan which offers you complete safety from market volatility, by providing you a secure future and a joyous retirement.

Key Features: Guaranteed Bonus: Guaranteed simple reversionary Bonuses for first 5 years; @ 2.50% for first three years and @2.75% for the next two years, of the Sum Assured. Guaranteed bonus will be applicable only to in-force policies. Vesting (Maturity) benefit: Sum Assured plus vested simple

reversionary bonuses plus terminal bonus, if any. The sum assured carries an implicit guaranteed interest rate of at least 0.25% p.a. compounding annually. Death Benefit: Total premiums paid till date accumulated at an interest rate of 0.25% p.a. compounded annually plus vested reversionary bonus plus terminal bonuses, if any. Life Cover: Option of additional life cover through SBI Life - Preferred Term Rider (UIN: 111B014V01). You can buy immediate annuity from your entire proceeds or commute upto one-third of the policy proceeds and buy annuity with the rest. Flexibility: You can defer the vesting date upto age of 70 years or extend the accumulation / deferment# period of your policy

SBI Life - Annuity Plus

SBI Life - Annuity Plus, a traditional, non-participating immediate annuity plan, which offers a comprehensive range of annuity options along with inbuilt flexibilities. It provides an opportunity to you to maintain your standard of living. Key Features: Complete freedom to choose from a wide range of Annuity options Enjoy a regular income (annuity payout) from an early age of 40 years You have an option to have Lifetime Annuity payout for you as well as a family member Flexibility to choose frequency of annuity payouts as per your requirements Monthly, Quarterly, Half-yearly or Yearly Incentives of higher annuity rates for large premiums Option of availing SBI Life- Accidental Death Benefit Rider (UIN:111B015V01) Flexibility to advance your Annuity payouts Return of premium or balance premium

Saving Plans SBI Life - Smart Income Protect SBI Life - Smart Income Protect is a savings plan with added advantage of life cover and regular cash inflow at the time you need. It is a participating traditional plan where you continue to pay your regular premiums over a period of 5, 10 or 15 years. Thereafter your payout period starts, where you get guaranteed regular annual payouts over a period of 15 years, meeting your various financial obligations.

Key Features: Plan that provides Insurance Cover and Regular Income. Choose your policy term from 5, 10 or 15 years. Guaranteed annual payouts* (conditions apply) of 11% of Sum Assured/Paid up Sum Assured over a period of 15 years after maturity. The first instalment will be paid at the end of first year during the payout period. Vested Reversionary bonuses plus Terminal bonus, if any, will be paid as lump sum at the end of the policy term, at maturity. Customize your coverage through the wide range of additional rider benefits - SBI Life - Accidental Death benefit rider (UIN: 111B015V01), SBI Life - Accidental Total & Permanent Disability benefit rider (UIN: 111B016V01), SBI Life - Criti Care 13 Non Linked Rider (UIN: 111B025V01), SBI Life Preferred Term Rider (UIN 111B014V01). SBI Life - Smart Money Back Insurance Smart Money Back Insurance is a savings plan with added advantage of life cover and cash inflow at regular intervals. It is participating traditional money back plan, meeting your various financial obligations at crucial junctures by its wide range of policy terms. Key Features: Money Back options specially tailored to suite your requirements Fixed cash inflows which can meet your various financial obligations Survival Benefit of 110% to 125% of Sum Assured paid till maturity Large Sum Assured discount Customize your coverage through the wide range of additional benefits SBI Life - Accidental Death Benefit Rider (UIN:111B015V01), SBI Life Accidental Total & Permanent Disability Rider (UIN:111B016V1), SBI Life - Preferred Term Rider (UIN: 111B014V01), and SBI Life - Criti Care 13 Non Linked Rider (UIN:111B025V01). Given below are the charts with various term options and accompanying Survival Payments:

Survival Benefit Installments (% of Basic Sum Assured) Term / Options Year End (years) 65% + 12 20% 25% Vested Bonus 70% + 15 20% 25% Vested Bonus 60% + 20 10% 20% 30% Vested Bonus 60% + 25 10% 10% 15% 30% Vested Bonus 125% 120% 115% 110% 4 5 8 10 12 15 20 25 Total (% of Basic Sum Assured)

Option 1

Option 2

Option 3

Option 4

SBI Life - Flexi Smart Insurance

SBI Life Flexi Smart Insurance, an Individual, Non-Participating traditional life insurance cum savings plan, which helps you in fulfilling all your dreams. It gives you flexibility to adapt to your ever-changing needs, while assuring guaranteed benefits to take care of your savings. Key Features: Guaranteed Interest Rate: Guaranteed interest rate of 2.50% p.a., will be guaranteed for the entire policy term. Interim Interest Rate: An interim interest rate will be declared at the beginning of every financial year, which will be equal to or more than Guaranteed Interest Rate and will be guaranteed for that year.* Additional Interest Rate: An additional interest rate may also be

declared, as on 31st March, every year, based on the performance of the Company. Your policy account will be credited with interim interest rate and additional interest rate, if any Flexibilities: Flexibility in premium frequency -> Yearly, Half Yearly, Quarterly and Monthly. Option of premium holiday during the policy term. Enjoy complete flexibility to increase or decrease your Sum Assured. Option to choose sum assured multiplier factor (SAMF). Option to boost your investments through Top-ups.

SBI Life - Sanjeevan Supreme SBI Life Sanjeevan Supreme is a traditional Saving Plan with added advantage of life cover and guaranteed cash inflow at regular intervals tailored to suit all your needs and requirements. This plan is designed for individuals who want to plan for various financial obligations at specified times in life. It provides you with financial support for fulfilling all your long term and short term goals. Further, it offers you a life cover for the term of your choice and that too without burdening you premium payment for the entire term.

Key Features: The plan has a number of moneyback options specially suited to your needs. The cover is available at affordable premium rates. It has guaranteed cash inflows which can meet your various financial obligations.

SBI Life - Shubh Nivesh SBI Life - Shubh Nivesh is an Endowment product with an option of Whole Life coverage. The basic purpose is to provide Savings, Income and Insurance Cover to you and your family. Not only you can save regularly for your future but you also have the flexibility to receive the maturity amount as a lump sum or as a regular income for a chosen period, depending upon your needs.

Key Features: A Savings cum Insurance Plan with the flexibility of Whole Life option as an add-on Triple benefits of Wealth Creation, Regular Income and Insurance Cover under a single plan Convenience of premium payment options - Single Premium and Regular Premium Comprehensive risk coverage through 3 Riders: SBI Life - Preferred Term Rider (UIN:111B014V01) SBI Life - Accidental Death Benefit Rider (UIN:111B015V01) SBI Life - Accidental Total & Permanent Disability Rider (UIN:111B016V01) Option to receive the Basic Sum Assured at regular interval over a stipulated time period of 5/10/15/20 years. Tax benefits as per prevailing norms under the Income Tax Act, 1961

How does it work? SBI Life Shubh Nivesh has two options: Endowment Assurance: The base plan is a traditional endowment plan with simple reversionary bonuses which accrue till the end of the endowment term. The sum assured with all accrued bonuses will be paid on death during the endowment term or survival till the end of the endowment term.

Whole Life Endowment: The policyholder has to opt for the Whole Life Endowment option at the proposal stage itself, wherein the sum assured along with the accrued bonus till the end of the endowment term will be paid to the policyholder, and an amount equal to the basic sum assured will be paid on the life assured attaining 100 years of age or on the death of the life assured, if earlier.

SBI Life - Saral Life

SBI Life - Saral Life, a traditional, participating endowment plan which helps you to meet any requirement in life and is designed with a differencea take away insurance especially weaved for you with the threads of Simplicity, Availability & value for your money.

Key Features: A savings cum insurance cover with easy acceptance. Enrolment based on Simplified Questionnaire and Good Health Declaration. Instant Processing. Flexibility in Coverage - Sum Assured in options of Rs.1 lakh / Rs.2 lakhs / Rs.3 lakhs. Customize your coverage period by choosing from 10/15/20/25 years, as per your requirement. Tax benefits as per prevailing norms under the Income Tax Act, 1961.

OBJECTIVE OF THE STUDY

The investment objectives of the Company are to maximize the risk adjusted returns and ensure reasonable liquidity at all times. Management of the investment portfolio is a crucial function as investment risk and returns, inter alia, determine the ability of the Company to competitively price its products, ensure solvency at all times and earn the expected profitability. The investment policy outlined in this document seeks to set the direction and philosophy for the Companys investment operations. The Policy outlined below conforms to the IRDA Investment Regulations and the Insurance Act. The Policy covers investment parameters, exposure norms and other relevant factors that will assist in taking prudent investment decisions. The Policy framework also takes into account asset liability management, market risks, portfolio duration, liquidity considerations, and credit risk. To summarize the investment policy aims to achieve the following Investment Objectives: a) To acquire and maintain quality assets that will meet the liabilities accepted by the Company; b) To be able to meet the reasonable expectations of the policyholders taking into account the safety of their funds with optimum Return; c) To adhere to all Regulatory provisions; d) To conduct all the related activities in a cost effective and efficient manner; and e) To achieve performance in line with benchmarks identified for the different investment portfolios. The Company has also defined the Investment Objectives for each Fund separately, on the basis of aforesaid broader Investment objectives.

ANALYSIS & INTERPRETATION

Q.1.

Do you know SBI Life Insurance? S.N. Options 1 2 Yes No Total Response (%) 90 10 100

2%

Yes No

98%

Interpretation: According to the respondent most of respondent has an insurance, and 10% respondent dont have any policy of any company.

Q.2.

Have you taken insurance policy? S.N. Options 1 2 Yes No Total Response (%) 98 02 100

2%

Yes No

98%

Interpretation: 98% respondent had been taken insurance policy and only 2% respondent dont have any policy.

Q.3.

Are you happy with insurance plan which you have taken? S.N. Options 1 2 Yes No Total Response (%) 70 30 100

2%

Yes No

98%

Interpretation: Most of respondent has satisfied with whatever they have been take plan, but some respondent are not satisfying with his policy, they want to something different.

Q.4.

Have you taken any insurance plan from SBI Life? S.N. Options 1 2 Yes No Total Response (%) 70 30 100

2%

Yes No

98%

Interpretation: The market of SBI Life insurance 70% respondent have been taken a policy in SBI Life, other 30% has different.

Q.5.

How many plan have you taken from SBI Life Insurance? S.N. Options 1 2 3 4 One Two More than Two None Total Response (%) 30 30 25 15 100

70 70

60

50

40

30

24

20

10

5 1

0 10 Lac 10-20 Lac 20-50 Lac More than 50 Lac

Interpretation: According to the survey 30% respondent have one plan, 30% respondent have two and more than two has 25% other 15% respondent dont have any plan.

Q.6.

In which type of plan you would like to invest of your future planning? S.N. Options 1 2 3 4 Long term unit linked plan Short term unit linked plan Long term Traditional Plan Short Term Traditional Plan Total Response (%) 05 05 40 50 100

70 70 60 50 40 30 20 10 0 10 Lac 10-20 Lac 20-50 Lac More than 50 Lac 5 1

24

Interpretation: According to the survey 50% short term traditional plan, 40% long term traditional plan, 5% short term unit linked plan and 5% long term unit linked plan respondent have invest for his future planning.

Q.7.

Which company would you prefer for your family protection and saving? S.N. Options 1 2 3 4 LIC SBI Life HDFC Life ICICI Prudential Total Response (%) 80 15 03 02 100

70 70

60

50

40

30

24

20

10

5 1

0 10 Lac 10-20 Lac 20-50 Lac More than 50 Lac

Interpretation: According to the survey 80% LIC, 15% SBI Life, 3% HDFC Life and 2% respondent ICICI Prudential for family protection and saving.

Q.8.

Customer Services of SBI Life Insurance is? S.N. Options 1 2 3 4 Good Better Best Average Total Response (%) 70 05 02 13 100

70 70 60 50 40 30 20 10 0 10 Lac 10-20 Lac 20-50 Lac More than 50 Lac 5 1 24

Interpretation: According to the survey 70% good, 13% average, 5% better, 2% best for Customer services of SBI Life Insurance.

Q.9.

Do you think SBI Life Insurance is safe place for your investment? S.N. Options 1 2 Yes No Total Response (%) 90 10 100

2%

Yes No

98%

Interpretation: Most of respondent told SBI Life insurance is the best option for investment.

Q.10. How do you plan for saving your tax from your annual income? S.N. Options 1 2 3 4 Insurance 5 Year FD PPF Loan Total Response (%) 70 17 08 05 100

70 70

60

50

40

30

24

20

10

5 1

0 10 Lac 10-20 Lac 20-50 Lac More than 50 Lac

Interpretation: Most of respondent preferring insurance for saving tax, other 17% prefer 5 year FD, 8% PPF, 5% Loan.

Q.11. Do you want to start a career with SBI Life as an Insurance Advisor? S.N. Options 1 2 Yes No Total Response (%) 05 95 100

2%

Yes No

98%

Interpretation: Most of respondent dont want to be start his career with SBI Life Insurance.

Q.12. Do you know what is your Life Value for your family protection? S.N. Options 1 2 Yes No Total Response (%) 98 02 100

2%

Yes No

98%

Interpretation: Most of respondent have an idea about Life Value protection for his family.

Q.13. Which plan you have taken for your family protection? S.N. Options 1 2 3 4 Pure Protection plan ULIP Traditional None Total Response (%) 08 30 60 02 100

70 70

60

50

40

30

24

20

10

5 1

0 10 Lac 10-20 Lac 20-50 Lac More than 50 Lac

Interpretation: Most of respondent has Tradition 60%, ULIP 30%, 8% Pure Protection Plan and other 02% have taken for family protection.

Q.14. How many plan have you taken from insurance company? S.N. Options 1 2 3 4 Child Plan Pension Plan Health Plan Whole Life Insurance Plan Total Response (%) 30 4 5 61 100

70 70

60

50

40

30

24

20

10

5 1

0 10 Lac 10-20 Lac 20-50 Lac More than 50 Lac

Interpretation: Most of respondent has taken plan which one Whole Life Insurance Plan 61%, Child Plan 30%, Health Plan 5%, pension Plan 4%.

Q.14. How much Total Sun Assured you have taken from All Insurance companies? S.N. Options 1 2 3 4 10 Lac 10-20 Lac 20-50 Lac More than 50 Lac Total Response (%) 70 24 05 01 100

70 70

60

50

40

30

24

20

10

5 1

0 10 Lac 10-20 Lac 20-50 Lac More than 50 Lac

Interpretation: According to the survey 10Lac 70%, 10-20 Lac 24%, 20-50 Lac 5% and More than 50 Lac 1% assured by insurance companies.ss

QUESTIONNAIRE

Q.1.

Do you know SBI Life Insurance? (a) Yes (b) No

Q.2.

Have you taken insurance policy? (a) Yes (b) No

Q.3.

Are you happy with insurance plan which you have taken? (a) Yes (b) No

Q.4.

Have you taken any insurance plan from SBI Life? (a) Yes (b) No

Q.5.

How many plan have you taken from SBI Life Insurance? (a) One (c) More than Two (b) Two (d) None

Q.6.

In which type of plan you would like to invest of your future planning? (a) Long term unit linked plan (c) Long term Traditional Plan (b) Short term unit linked plan (d) Short Term Traditional Plan

Q.7.

Which company would you prefer for your family protection and saving? (a) LIC (c) HDFC Life (b) SBI Life (d) ICICI Prudential

Q.8.

Customer Services of SBI Life Insurance is? (a) Good (c) Best (b) Better (d) Average

Q.9.

Do you think SBI Life Insurance is safe place for your investment? (a) Yes (b) No

Q.10. How do you plan for saving your tax from your annual income? (a) Insurance (c) PPF (b) 5 year FD (d) Loan

Q.11. Do you want to start a career with SBI Life as a Insurance Advisor? (a) Yes If yes then (i) Full Time (ii) Part Time (b) No

Q.12. Do you know what is your Life Value for your family protection? (a) Yes (b) No

Q.13. Which plan you have taken for your family protection? (a) Pure Protection plan (c) Traditional (b) ULIP (d) None

Q.14. How many plan have you taken from insurance company? (a) Child Plan (c) Health Plan (b) Pension Plan (d) Whole Life Insurance Plan

Q.14. How much Total Sun Assured you have taken from All Insurance companies? (a) 10 Lac (c) 20-50 Lac (b) 10-20 Lac (d) More than 50 Lac