With

• Insurance Plans with Wealth Creation

• Insurance Plans with Savings
• Child Plans with Insurance
• Protection Plans
• Retirement Plans
 SBI Life Insurance, one of the leading private life insurers, presents a range of life
insurance products that are designed keeping in mind your different life stage needs.
 INDEX
ABOUT SBI LIFE INSURANCE 01

SBI Life- Poorna Suraksha 03

SBI Life- Sampoorn Cancer Suraksha 05
PROTECTION
PLANS SBI Life- Smart Swadhan Plus 07
SBI Life- Smart Shield 09

SBI Life- Smart Humsafar 12

SBI Life- Smart Bachat 14
SAVINGS
SBI Life- Shubh Nivesh 16
SBI Life- Smart Money Back Gold 18

SBI Life- Smart Elite 21

WEALTH
CREATION
SBI Life- Smart Privilege 23
SBI Life- Smart Wealth Builder 25

CHILD SBI Life- Smart Champ Insurance 28

PLANS SBI Life- Smart Scholar 30

RETIREMENT SBI Life- Retire Smart 33

PLANS SBI Life- Saral Pension 35

MUST SAY 37
INSURANCE TERMINOLOGIES 39
 ABOUT SBI LIFE INSURANCE
COMPANY LIMITED

SBI Life Insurance Company Limited (“SBI Life”/ “the Company”), incorporated in 2000,
is a joint venture between State Bank of India and BNP Paribas Cardif S.A. and is one of
the leading life Insurance companies in India. SBI Life has an authorized capital of ` 20.0
billion and a paid up capital of ` 10.0 billion.

SBI Life offers a comprehensive range of life insurance and pension products at
competitive prices, ensuring high standards of customer service and world class
operating efficiency. The Company offers individual and group products which include
savings and protection plans to address the insurance needs of diverse customer
segments.

SBI Life has a multi-channel distribution network comprising of an expansive

Bancassurance channel with SBI, which has an unrivalled strength of over 22,000 branches
across the country. SBI Life also has a large and productive agent network comprising of
112,119 agents, as on June 30, 2018. The Company’s other distribution channels include
direct sales and sales through corporate agents, brokers, insurance marketing firms and
other intermediaries. As on June 30, 2018, the Company has a widespread network of 837
offices across the Country to address customer needs effectively and efficiently. The
Company had an AuM of ` 1,202.8 billion as of June 30, 2018.

The Company is listed on National Stock Exchange (“NSE”) and The Bombay Stock
Exchange (“BSE”).

01
Celebrate your SMILES

SBI Life Protection Plans

 Let the affection of your loved SBI Life - Poorna Suraksha helps you to boost your financial planning by providing Life
and Critical Illness cover, which auto balances with your evolving needs and growing
ones be felt at all times age. So that you and your loved ones share just love and not worries.

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WHY SBI LIFE – POORNA SURAKSHA?

 Comprehensive protection &RYHUDJHLQFDVHRI'HDWKDQG&ULWLFDO,OOQHVV &, 

 Unique ‘LifeStage Rebalancing’:KHUHLQWKH6XP$VVXUHG 6$ IRU/LIH &,FRYHUUHEDODQFHVGXULQJWKHWHUPRIWKHSROLF\
 Coverage for wide range of 36 CIs&RYHULQJVHULRXVDLOPHQWVVXFKDV+HDUW$WWDFN%UDLQ7XPRU&DQFHU.LGQH\)DLOXUHHWF
 Waiver of Premium,QEXLOWSUHPLXPZDLYHUIRUWKHUHVWRIWKHSROLF\WHUPLQFDVHRIGLDJQRVLVRIDQ\RIWKHFRYHUHG&,¶V
 Fixed Premium3UHPLXPUHPDLQVWKHVDPHWKURXJKRXWWKHWHUPRIWKHSROLF\
 Tax benefits*7D[EHQHILWVXQGHU6HFWLRQ&DQG6HFWLRQ'RIWKH,QFRPH7D[$FWDVDSSOLFDEOH
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WHO CAN AVAIL THIS PLAN?

Age^ at Entry Min: 18 years Max: 65 years

Age^ at Maturity Min: 28 years Max: 75 years

Sum Assured Min: ` 20 Lakh Max: ` 2.5 Crores
LQPXOWLSOHVRI`

Policy Term 10, 15, 20, 25, 30 Years

Premium Paying Term Regular Premium

Premium Modes Yearly / Half Yearly / Monthly#

Premium Frequency Half-Yearly: 51.00% of annual premium

Loading Monthly: 8.50 % of annual premium
Minimum Maximum##:
Yearly: ` 3,000 Yearly: ` 9,32,000
Premium Amounts
Half Yearly: ` 1,500 Half Yearly: ` 4,75,000
Monthly# : ` 250 Monthly# : ` 80,000
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#
For Monthly mode, 3 Months premium to be paid in advance and renewal premium payment through Electronic Clearing System (ECS) or Standing Instructions (where
payment is made either by direct debit of bank account or credit card).
For Monthly Salary Saving Scheme (SSS), 2 month premium to be paid in advance and renewal premium payment is allowed only through Salary Deduction.
##
The maximum premium is considering a standard life

03
04
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Life Assured Age: 30 years Premium Frequency - Yearly Policy Term: 25 years Premium Paying Term : 10 years
Sum Assured: ` 5,00,000 Basic Premium: ` 32,975 p.a. (exclusive of applicable taxes)

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Option A: Endowment Option

Options Option B: Endowment Option with in-built Accidental Death and Total Permanent Disability
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Age^ Minimum
Age^ at
at Entry
Entry Option A: 8 years ; Option B: 18 years
Maximum: 50 years

Maximum Age^ at
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Minimum : ` 1,00,000
Sum Assured
Sum Assured Maximum : No Limit
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Premium Paying Term (Years) Policy Term (Years)
Premium Payment 5 10 – 25
Term and
7 10 – 25
Corresponding
Policy Term 10 15 – 25
15 20 – 25
Premium
Yearly / Half-yearly / Quarterly / Monthly#
Frequency

Premium Half-Yearly: 51.00% of annual premium

Frequency Quarterly: 26.00% of annual premium
Loading Monthly: 8.50% of annual premium
Minimum Maximum
Yearly: ` 5,100
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 WEALTH CREATION

FAMILY’S PROTEECTION

Section 41 of Insurance Act 1938, as amended from time to time, states:

(1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew
or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of
the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or
continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses
or tables of the insurer:
(2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend
to ten lakh rupees.

Toll Free: 1800 22 9090 (Between 9.00am & 9.00pm) | SMS: ‘CELEBRATE’ to 56161.
E-mail: info@sbilife.co.in Website: www.sbilife.co.in
BEWARE OF SPURIOUS / FRAUD PHONE CALLS!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to
lodge a police complaint.
The above mentioned plan names are only the names of categories of plan.The Linked Insurance products do not offer any liquidity during the first five years
of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end
of fifth year. Linked Insurance products are different from the traditional products and are subject to the risk factors. In case of pension product, benefits by way
of surrender, complete withdrawal or maturity/vesting will be available in the form of annuities except to the extent of commutation of such benefits as allowed
under the prevailing Income Tax Rules. The premium paid in Linked Insurance policies are subject to investment risks associated with capital markets and the NAVs
of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
SBI Life Insurance Co. Ltd. is only the name of the insurance company and SBI Life - Smart Wealth Builder, SBI Life - Smart Elite, SBI Life - Smart Privilege, SBI Life -
Smart Scholar and SBI Life - Retire Smart are only the names of the linked insurance contract and does not in any way indicate the quality of the contract, its future
prospects or returns. Please know the associated risk and applicable charges from your Insurance agent or the intermediary or the policy document issued by the
insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future
prospects or returns. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. ^For more details on risk
factors, terms and conditions of riders please read the rider brochure carefully. Trade logo displayed above belongs to State Bank of India and is used by SBI Life
under license. SBI Life Insurance Company Limited. Registered & Corporate Office: Natraj, M.V. Road & Western Express Highway Junction, Andheri (East),
Mumbai-400 069. IRDAI Regn. No. 111. CIN : L99999MH2000PLC129113.
AP.ver.02-11-18 BKL ENG