Double Life Cover, Long Term Savings, Liquidity - short-term and long-term needs, Increase Life Cover

Double Life Cover, Long Term Savings, Liquidity - short-term and long-term needs, Increase Life Cover

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

SBI Life - Flexi Smart Plus is Individual, Participating, Variable Insurance Product, which helps you in fulfilling your dreams. It also gives you flexibility to adapt to your ever-changing needs, while assuring guaranteed benefits to take care of your savings.

Key Features:

• Guaranteed Minimum Bonus Interest rate* Conditions apply A minimum bonus interest rate of 1.00% p.a. is guaranteed for the whole term.   • Interim bonus interest rate An Interim bonus interest rate will be declared at the beginning of each financial year which will apply to the policies exiting during the financial year.   • Regular Bonus Interest rate Regular Bonus interest rate will be declared at the end of every financial year.   • Terminal Bonus Interest rate Terminal bonus interest rate may be credited to your policy account at the time of exit on account of maturity, death or surrender. Your policy will be credited with the Regular Bonus interest rates and Terminal Bonus interest rate, if any. Regular bonus interest rate once declared becomes guaranteed for the policy account.   • Two Protection option available: Gold Option and Platinum Option   • Partial Withdrawal Partial withdrawals are allowed from the 6th policy year to cater to your liquidity needs.   • Flexibility to increase or decrease your chosen Sum assured   • Flexibility to increase your chosen policy term

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

How does the Plan work? Your Policy Account The policy account represents the value of the fund that belongs to you. The policy account will be credited with the premiums paid, net of all premium allocation charge under the policy, on which the additions as stated below will be credited. All other charges would be recovered from the policy account value. All withdrawals, payouts etc. made to you will also be deducted from your policy account. The various layers of additions which will be applying to the policy account is stated as below -

• The guaranteed minimum bonus interest rate for the product is 1.00% p.a for the whole term.   • In addition to the above, a non-zero positive regular bonus interest rate will be declared at the end of each financial year based on the surplus arising upon the statutory valuation of assets and liabilities.   • An interim bonus interest rate will be declared at the beginning of each financial year which will apply to the policies exiting during the financial year. The bonus interest rate declared at the end of the year will not be less than the interim bonus interest rate.   • At the time of policy exit (maturity/death/surrender), a terminal bonus interest rate may be paid.

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

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

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.

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