Cash inflow at regular intervals

SBI Life - Smart Money Back Gold

Introduction:    SBI Life - Smart Money Back Gold is a savings plan with added advantage of life cover and cash inflow at regular intervals. It is a participating traditional money back insurance plan, meeting your various financial obligations at crucial junctures by its wide range of policy terms. Regular payments of Survival benefits are made at different durations during the policy term. In the unfortunate event of death at any time within the Policy Term, your nominee would receive the full Sum Assured plus Simple Reversionary Bonus & Terminal Bonus (if any), irrespective of Survival Benefits already paid.
Key Features:
•	Money Back options specially tailored to suit your requirements
•	Fixed cash inflows which can meet your various financial obligations
•	Survival Benefit of 110% of Sum Assured paid till maturity
•	Rebate on Large Sum Assured
•	Customize your coverage through the wide range of additional benefits - SBI Life -Accidental Death Benefit Rider (UIN: 111B015V02), SBI Life - Accidental Total & Permanent Disability Benefit Rider (UIN: 111B016V02), SBI Life - Preferred Term Rider (UIN: 111B014V02) and SBI Life - Criti Care 13 Non-Linked Rider (UIN: 111B025V02)
•	Given below are the charts with various term options and accompanying Survival Payments:
Survival Benefit Installments (% of Basic Sum Assured)
Plan Options Option 1 Option 2 Option 3 Option 4 End of Policy year / Policy term 12 15 20 25 3 20% 15% 4 15% 5 15% 6 20% 15% 8 15% 9 20% 15% 10 15% 12 50% 15% 15% 15 50% 15% 16 15% 20 50% 15% 25 50% Total (% of Basic Sum Assured) 110% 110% 110% 110%
Simple Reversionary Bonus is payable along with the last Survival Benefit Payment. Terminal Bonus (if any) will also be paid along with the last Survival Benefit Payment.

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Benefits:
•	On survival:
	▪	Before maturity: The survival benefit installments expressed as a fixed percentage of basic sum assured payable at the end of specified durations during the policy term, as explained above.
	▪	At maturity: Final survival benefit installment + Vested simple reversionary bonus + Terminal bonus, if any.
•	On Death:
	In the unfortunate event of death during the term of the plan, provided the policy is in-force:
	▪	Higher of A or B is paid to the nominee, where: A = Sum Assured on death + Vested Simple Reversionary Bonuses + Terminal bonus, if any. Sum Assured on death is higher of Basic Sum Assured or a multiple of annualised premium; where multiple is:
		Policy Term Age at entry of Life Assured less than 45 years Age at entry of Life Assured 45 years or more 12, 15, 20 or 25 10 7
		B = Minimum death benefit which is equal to 105% of all the premiums paid.
Other Benefits  Additional cover through four set of riders: -
•	SBI Life - Preferred Term Rider (UIN:111B014V02): The Preferred Term rider Sum Assured is payable in addition to normal death benefit
•	SBI Life - Accidental Death Benefit Rider (UIN: 111B015V02): In case death due to an accident, the rider Sum Assured is payable in addition to normal death benefit
•	SBI Life - Accidental Total &Permanent Disability Benefit Rider (111B016V02): 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.
•	SBI Life - Criti Care 13 Non-Linked Rider (UIN: 111B025V02): The rider sum assured would be payable on the life assured being diagnosed with any of the thirteen diseases. For details on illnesses covered, please refer the rider brochure.
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 SBI Life - Criti Care 13 Non Linked Rider.
•	Tax exemption under Section 10(10D) is available at the time of maturity/surrender, subject to the premium not exceeding 10% of the sum assured in any of the years during the term of the policy. However, death proceeds are completely exempt.
* Tax benefits, are as per the provisions of the Income Tax laws & are subject to change from time to time. Please consult your tax advisor for details.

Call/SMS: 9440557921   OR     Write:anand_prem_raj@yahoo.com

When tomorrow is certain... today becomes beautiful

SBI Life - Smart Wealth Assure

Introduction:  SBI Life - Smart Wealth Assure is a Unit Linked non-participating Life Insurance Plan. It is a single premium plan, wherein you have to pay premiums once and you can continue to enjoy the benefits throughout the policy term. The plan helps you to enjoy market related returns along with insurance cover, with just a single premium
Key Features:
•	Option to choose a mix of funds providing Market Linked Returns
•	Market Linked Returns provided through 2 funds – Bond Fund & Equity Fund to give you the best possible returns
•	Pay only once and get the benefits throughout the Policy Term
•	Liquidity through Partial Withdrawal(s)
•	Option to customize the product with Accidental Death Benefit Option

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Benefits:
•	Maturity Benefit: On completion of Policy Term, Fund Value will be paid.
•	Death Benefit: Higher of the Fund Value or Sum Assured## is payable; with a minimum of 105% of Single premium paid.
•	Accidental Death Benefit Option: Provides additional death benefit if the death occurs as a result of an accident.
•	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 benefits, are as per the provisions of the Income Tax laws & are subject to change from time to time. Please consult your tax advisor for details.
## Net of partial withdrawals Call / SMS: 9440557921   OR     Write:anand_prem_raj@yahoo.com

SBI Life's Shubh Nivesh Vs LIC's New Jeevan Anand...

Triple Life Cover, Whole Life Cover, Life Long Monthly Pension for Self & Spouse and Welath Creation for Children

Call / SMS: 9440557921   OR     Write: anand_prem_raj@yahoo.com

SBI Life - Shubh Nivesh is a non- linked, with profit Endowment Assurance 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 plan with flexibility of availing whole life insurance as an add-on benefit
•	Benefits including Wealth Creation, Insurance cover and Regular flow of income
•	Flexibility to choose between Single or Regular premium payment
•	Additional rider benefits at an affordable cost
•	Option to receive the Basic Sum Assured at regular intervals over a stipulated time period of 5/10/15/20 years
•	Comprehensive risk coverage through 3 Riders:
	◦	SBI Life - Preferred Term Rider (UIN:111B014V02)
	◦	SBI Life - Accidental Death Benefit Rider (UIN: 111B015V02)
	◦	’SBI Life - Accidental Total & Permanent Disability Benefit Rider (UIN: 111B016V02)
•	Tax benefits as per prevailing norms under the Income Tax Act, 1961

Call / SMS: 9440557921   OR     Write: anand_prem_raj@yahoo.com

How does it work?

SBI Life - Shubh Nivesh has two options:
 

•	Endowment Option:
	▪	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 survival till the end of the endowment term or on earlier death.
•	Endowment with Whole Life Option:
	▪	If you opt for a policy term of 15 years or more you also have an option to extend your cover for the whole life (or 100 years of age). The option gives you an Endowment + Whole life plan whereby, in addition to the Endowment plan benefits you are entitled to an additional amount equal to the basic sum assured on survival till age 100 years or on earlier death during the extension period.

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For the Youth - Short-term or Long-term needs.. Corpus for Pension Fund or Wealth Creation

For the Youth - Short-term or Long-term needs.. Corpus for Pension Fund or Wealth Creation

Call / SMS: 9440557921   OR     Write: anand_prem_raj@yahoo.com

To have a secure future, which takes care of the financial needs of the family in case of any eventuality and to meet life’s various goals, it is important that one starts saving early and regularly. We present to you, SBI Life - Smart Power Insurance, a non-participating unit linked insurance plan which takes care of your insurance as well as investment needs. The product comes to you at reasonable premium and is in tune with the current investment scenario. It is a flexible product, which also takes care of your liquidity needs. Additional protection requirement, due to changing personal and/or financial circumstances, is also taken care by the product.
Key Features:
•	Two Plan Options to choose from:
	•	Level Cover Option - Sum Assured chosen at inception remains the same through out the policy term
	•	Increasing Cover Option - The initial Sum Assured increases by 10%, without any additional underwriting, starting from 6th policy year and after every 5 years thereafter
•	Advantage of Advancing the Policy Benefit to become your Living Benefit, through our Inbuilt Accelerated Total & Permanent Disability (TPD) benefit
•	Two Fund options to choose from
	•	Trigger Fund Option - Advantage of ’Buying Low and Selling High’
	•	Smart Funds Option - Option to choose from 7 varied funds
•	Flexibility through 2 free switches in a policy year
•	Liquidity through Partial Withdrawal(s)

Call / SMS: 9440557921   OR     Write: anand_prem_raj@yahoo.com