SBI Life's - Hospital Cash - 9440557921

Good health is the most valuable asset that we have, but nowadays with increasing levels of stress, negligible physical activity and changing lifestyle our vulnerability to diseases is increasing at an alarming pace.   The cost of healthcare is rising everyday and more than the cost of your treatment, indirect costs like - hospital room rent, nursing expenses, post discharge expenses, recuperating expenses, ambulatory charges etc account for a major part of the overall cost incurred. Lack of sufficient savings or a suitable health policy may force you to compromise on the quality of medical treatment. We feel you certainly deserve better.   SBI Life - Hospital Cash is a comprehensive plan that covers not only hospitalization expenses but also other incidental costs. This plan offers you complete freedom from worries. What is SBI Life - Hospital Cash:   This plan helps you keep your savings untouched in case of medical emergencies by paying you a fixed Daily Hospitalization Cash Benefit and an ICU benefit that is twice of daily cash benefit, irrespective of your hospital bill. This amount helps to pay for any kind of expenses incurred before, during or post hospitalization. We care for you and your loved ones! To aid your family in crisis we provide you with Family Care Benefit feature and family discount benefit.
Key Features:
•	100% payout from day one of hospitalization without any deductible
•	Coverage of Pre-existing diseases after 2 years
•	Guaranteed coverage up to 75 years
•	Premium guarantee for 3 years
•	Enhanced sum assured and increased payouts on each policy anniversary in case of No claim
•	Tax benefit on premium paid under sec 80 D of IT Act

SBI Life's - Saral Life - 9440557921

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

SBI Life's - Shubh Nivesh - 9440557921

SBI Life - Shubh Nivesh is an Endowment product with an option of Whole Life coverage.  The basic purpose is to provide Savings, Income and Protection 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 unique Savings cum Protection Plan with the flexibility of Whole Life option as an add-on
•	Triple benefits of Wealth Creation, Regular Income and Protection under a single plan
•	Convenience of premium payment options - Single Premium and Regular Premium
•	Comprehensive risk coverage through 3 Riders:
	•	Preferred Term Rider
	•	Accidental Death Benefit Rider
	•	Accidental Total & Permanent Disability Rider
•	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's - Sanjeevan Supreme - 9440557921

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 competitive premium rates.
•	It has guaranteed cash inflows which can meet your various financial obligations.

SBI Life's - Smart Money Back - 9440557921

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
•	Guaranteed fixed cash inflows which can meet your various financial obligations
•	‘Guaranteed 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 - Accidental Death Benefit Rider, Accidental Total & Permanent Disability Rider, Preferred Term Rider, and Criti Care 13 Non Linked Rider.
•	Given below are the charts with various term options and accompanying Guaranteed

SBI Life's - Swadhan - 9440557921

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*
•	5% rebate for Female lives
•	Rebate on High Sum Assured
•	Flexible benefit premium paying mode
•	Free look period of 15 days

SBI Life's - Saral Shield - Term Plan - 9440557921

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. Isn’t it great? So, get the Shield advantage now!!
Key Features:
•	Hassle-free, convenient and easy issuance.
•	Complete Financial Security at truly lower costs.
•	Wide varieties of plan options to give you complete freedom from your liabilities.
•	Large sum assured rebates.
•	Enhance your protection by availing two riders- Accidental Death Benefit Rider and Accidental Total and Permanent Disability Rider.
•	Tax benefits as per prevailing norms under the Income Tax Act, 1961

SBI Life's - Smart Shield - Term Plan - 9440557921

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 at a low cost.
•	Rewards you for maintaining a healthy lifestyle.
•	Wide variety of plan options to give you complete freedom from your liabilities.
•	Large Sum Assured rebates, substantially lowering your cost of insurance.
•	You can also customize your coverage by choosing from a wide range of additional benefits such as – Accidental Death Benefit Rider, Accidental Total and Permanent Disability Rider and Accelerated Critical Illness cover option.
•	Tax benefits as per prevailing norms under the Income Tax Act, 1961

SBI Life's - Smart Wealth Assure - 9440557921

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)
•	Attractive Tax benefits^ under the Income Tax Act, 1961, subject to conditions

SBI Life's - Smart Pension - 9440557921

SBI Life -Smart Pension, a unit linked deferred pension plan. With the changing social and economic environment, shifting individual and family needs, it is advisable to follow a dynamic retirement planning process to improve the probability of success of your retirement plan. A unit linked deferred pension plan, which offers you the flexibility to provide for all your retirement goals at one go or as per your convenience, spread over a period of time. What’s more, it provides you a minimum guaranteed return on the gross premiums paid.
Key Features:
•	Enjoy the benefit of guaranteed amount at maturity or vesting
•	Option to avail pension by paying only one single premium.
•	Phase your retirement income - You have an option to take multiple single premium Policies, at lower costs.
•	Freedom to avail different annuity options.
•	Tax benefits as per the prevailing tax laws.
Special Features
•	Guaranteed# Amount:
•	The product offers you a minimum guaranteed return of 4.5% per annum (on gross premium), applicable for this financial year 2010-11, for all premiums received up to March 31, 2011.
•	Starting from 1st April 2011, every year the guaranteed interest rate shall be 50 basis points above the average of the reverse repo rate prevailing as on the last working day of June, September, December and March of the previous financial year.
•	Phased retirement income:
•	You have an option to take multiple single premium Policies, whenever you have lump-sum money available. This would help you to match the inflating pension required after your retirement.
•	You have an option to take multiple single premium Policies, whenever you have lump-sum money available. This would help you to match the inflating pension required after your retirement.
•	You will get the added advantage of a spread of annuity rates prevailing over a period and avoid unfortunately getting locked into a low annuity rate at a single point.
•	As a special benefit for loyal customers, we would be capping the overall policy administration charges to Rs 100 per month, irrespective of the number of policies you have opted for under single life.

SBI Life's - Smart Horizon - 9440557921

SBI Life – Smart Horizon is a dynamic non participating Unit Linked Life Insurance Plan. With Smart Horizon, we give you a hassle free way to get market linked returns through the unique feature of Automatic Asset Allocation, so you truly don’t 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).
•	Attractive Tax benefits^ under the Income Tax Act, 1961, subject to conditions.

SBI Life's - Smart Elite - 9440557921

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. What’s 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!
•	Attractive Tax benefits under the Income Tax Act, 1961, subject to conditions

SBI Life's - Saral Maha Anand - 9440557921

SBI Life - Saral Maha Anand is a unique 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's - Smart Scholar (Child Plan) - 9440557921

Life begins afresh when you become a parent. It’s 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, there’s a new sense of responsibility that fills your heart. Like you may not really believe that life’s 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 unique, flexible and all-encompassing solution through our SBI Life - Smart Scholar Plan. Choose the one that suits you and your child’s needs best. Our specially crafted Smart Scholar Plan is as accommodating as you are to your child.
Key Features:
•	Secure your child’s 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).
•	Tax benefits as per prevailing tax laws.

SBI Life's - Unit Plus Super - 9440557921

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 that’s not all; we now also offer you guaranteed additions and choice of payment options, giving you far 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's - Smart Performer - 9440557921

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 unique 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. What’s 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 unique Plan offerings - ‘Secure Plan’ and ‘Secure N Grow Plan’ respectively
•
•	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
•	Attractive Tax benefits under the Income Tax Act, 1961, subject to conditions **

DREAM RETIREMENT - Just think once

Please spend 5 minutes of your valuable busy life and think..

CAN YOU IMAGINE YOUR OLD AGE WITHOUT REGULAR INCOME

YOU NEED NOT HAVE GOVERNMENT JOB TO GET PENSION - PENSION IS NOT COSTLY

Get Rs 25,000/- or Rs. 50,000/- MONTHLY LIFE LONG PENSION

• What will be your situation on 1st of every month after retirement?
  
• Every minute you are earning for your child's education/marriage expenses, have you thought about your own expenses in your old age?
• Do you want to depend on your children for every single rupee?
• Do you think your body will support to earn in your old age?
• Have you planned for your huge medical expenses in old age?

Just pay for 5/10/15 Years or single time and get guaranteed pension for life long.




For a personalized illustration pl give your DOB...




Documents Required:

1. Passport size photos

2. Age proof (xerox): PAN Card / Ration Card / Voter Id / etc

3. Address proof (xerox): Ration Card / Voter Id / Current bill / Water bill / telephone bill / etc

4. Cheques



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Refer or Forward this to those who wants to have a secure & HAPPY RETIREMENT LIFE - Thank You....

SBI Life's Scholar II Plan - Triple Benefit

A policy for your Child’s higher education i.e. when your child turns 18 years old. Option to receive maturity benefits either in 4 installments or in a lump sum.

No tension about the escalating higher education costs. You will have enough savings just at the right time i.e. when your child turns 18 . 

Triple Benefit: (in the unfortunate event of your death)

    i) family receives the Sum Assured immediately

   ii) all future premiums paid by the company i.e., SBI Life Insurance Company Ltd.

  iii) your child is paid another Sum Assured when your child turns 18 years of age which can be used for his/her higher education

In this policy the Life Assured is the parent and term of the policy depends on the age of the child. The premiums you pay are exempted from tax u/s 80C.

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Refer or Forward this to those PARENTS who want to secure their child's Higher Education - Thank You....

SBI Life's - LIFE LONG PENSION PLUS Plan

LIFE LONG PENSION PLUS Plan - SBI Life

           i) you will get LIFE LONG MONTHLY PENSION,

          ii) after you - your spouse gets the same amount of MONTHLY PENSION LIFE LONG,

         iii) lump sum amount for your DAUGHTER'S MARRIAGE

         iv) after spouse - WEALTH for your CHILDREN - corpus/fund value.


         (you can choose any year after you turn 40 years of age to draw monthly pension, after 3 years you can increase or decrease the yearly premium amount, Traditional Plan - not related to share market)



For a personalized illustration pl give your DOB...




Documents Required:

1. Passport size photos

2. Age proof (xerox): PAN Card / Ration Card / Voter Id / etc

3. Address proof (xerox): Ration Card / Voter Id / Current bill / Water bill / telephone bill / etc

4. Cheques



---------------------------
Refer or Forward this to those who wants to have a secure & HAPPY RETIREMENT LIFE - Thank You....

Life Insurance - only to avoid income tax ?

Most of we Indians think LIFE INSURANCE is the way to avoid income tax or get income tax exemption. Is that true ?