Individual plans 1.

Unit link plans Intro

Unit Linked Insurance Plans are long term investment cum protection plans that offer you an opportunity of availing market linked returns while providing life insurance protection. Depending on your risk appetite, you have the option of choosing from host of funds having varied degree of risk exposure. Flexibility and transparency are some of the other attractive features that make ULIPs an attractive long term investment option. To help you fulfill your long term dreams, SBI Life presents you a wide range of ULIPs so that you continue to Celebrate Life! A.sbi life-Smart performer Introduction: 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:

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 Annualized Premium (AP), based on your age.

Age at Entry*

Min: 9 years

Max: 65years

b. SBI Life - Saral Maha Anand

Introduction: 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.

Twin Benefit of Market linked returns & insurance cover.

Product Snapshot

Age at Entry ^

Minimum: 18 years

Maximum: 55 years

c. SBI Life - Smart Elite

Introduction: SBI Life - Smart Elite is a Unit Linked Insurance plan - . 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

Product Snapshot : Age at Entry* Min: 18 years Max: 60 years

d. SBI Life - Smart Wealth Assure

Introduction: 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

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

Product Snapshot Age at Entry ^ Age at Maturity Minimum: 8 years 75 years Maximum: 65 years

Child plans a. SBI Life - Scholar II

Introduction: 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.

 Rebate for Female lives and High Sum Assured.

Product Snapshot: Term

Age ( As on Last Birthday) Entry Age ( Life Assured ) Entry Age ( Child) Maximum Age at Maturity (Life Assured) Minimum: 18 years ; Maximum: 60 years Minimum: 0 years ; Maximum:15 years 70 years

b. SBI Life - Smart Scholar

Introduction: 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 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. All-encompassing 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.

Product Snapshot : Age at Entry * Child: Min: 0 years Proposer: Min: 18 years Max: 17 years Max: 57 years

Pension plans
SBI Life - Saral Pension
Introduction: 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:

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.

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 # If age at vesting is below 55 years.

Product Snapshot Age at Entry Min: 18 years Max: For Single premium: 65 years, For Regular premium: 60 years

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 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

Age Limits*

Maximum age at entry: 80 years Minimum age at entry : 40 years

Protection plans
SBI Life - Saral Shield
Introduction: 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.

Key Features:

Hassle-free, convenient and easy issuance. Financial Security.

Tax benefits as per prevailing norms under the Income Tax Act, 1961.

Product Snapshot:

Age at Entry Age at Maturity

Min: 18 years Max: 65 years

Max: 60 years

SBI Life - Swadhan

Introduction: 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 Minimum 18 years 5 years 10 years

Entry Age Maximum Entry Age Maximum Cover Age 65 years

70 years

SBI Life - Grameen Bima

Introduction 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 Single Minimum: Rs. 10,000 Age Band Sum Assured 18 - 39 40 - 44 45 - 50
* All references to age are age as on last birthday
**

Maximum: Rs. 50,000 Sum Assured 60 times Single premium paid 40 times Single premium paid 25 times Single premium paid

Premium amounts are inclusive of applicable taxes and will not be charged separately.

Savings plan

SBI Life - Smart Income Protect

Introduction: 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). * Provided at Maturity, the policy is in force or paid-up.

Product Snapshot: Age^ at Entry Age^ at Maturity Min: 8 years Min: 18 years Max: 60 years Max: 65 years

SBI Life - Flexi Smart Insurance

Introduction: 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.

Triple Plan Benefit of guaranteed interest rate, additional interest rate and flexibilities. * Conditions Apply

Product Snapshot: Age^ at Entry Age^ at Maturity Min: 8 years Max: 70 years Max: 60 years

SBI Life - Shubh Nivesh

Introduction: 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

esteds is aid

SBI Life - Saral Life

Introduction: 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. Product Snapshot Age at Entry** Age at Maturity Min: 18 years Max : 70 years Max: 60 years

Health plans. SBI Life - Smart Health Insurance

Introduction We might save for a dream holiday or a dream house but rarely do we set aside money for any medical emergencies. Health emergencies dont come with a warning and while one may not be able to prevent the emergency, a Health Insurance Plan can protect you or your near ones from part of its costs. Planning for your health, should be the foremost thing in the financial planning chart of life, as it provides a safety net for your well-being. SBI Life - Smart Health Insurance is one such financial planning tool which takes care of most of your health related expenses. Whats more the plan comes from the SBI Life stable and provides health related benefits.

Key Features#: Fixed Payout based on per day of Hospitalization. Lump sum payout on all surgical procedures, including non-listed surgeries 136 Day Care treatments, which do not require 24 hours of hospitalization, are covered Recuperation benefit to take care of your post-

hospitalization expenses Premium remains unchanged during policy term of 5 years Long term coverage up to 70 years of age Benefit of claiming from this policy, independently of any other health insurance cover No Claim Bonus leads to an enhanced Sum Assured for every claim free year Option to cover all members in the family and get rewarded for the same through family rebate Renewal discount available Tax benefit on premium paid under sec 80(D) of Income Tax Act, 1961* Adult: Min 18 years / Max 65 years Dependent Child: Min 3 months (completed) / Max 22 years Adult: 70 years Maximum Age at Maturity Dependent Child: 27 years Maximum Age at Renewal 65 years

Age at Entry**

SBI Life - Group Criti9

Introduction SBI Life - Group Criti9 is a traditional non-participating Group Health Plan. This plan provides protection against 9 critical illnesses where Sum Assured is paid in lump sum on diagnosis of any one of covered critical illnesses. So provides you money at time when you need it most.

Key Features: Age: Entry from minimum age of 18 yrs. till the maximum age of 55 yrs. Simultaneous safety and protection against 9 Critical Illnesses Simplified joining process Guaranteed renewability till 65 years of age Tax benefit under section 80D of IT Act#, 1961

SBI Life - Hospital Cash

(UIN : 111N065V01)

Introduction 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 every day 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.

Key Features: Long term coverage up to 75 years of age Premium remains unchanged for 3 years Family rebate available to cover your loved ones No claim bonus available Coverage of Pre-existing diseases after 2 Policy years Tax benefit on premium paid under section 80 D of IT Act^.

Minimum age at entry for the proposer on last birthday 18 years Minimum age at entry For Dependent Child For Adult For Dependent Child Maximum age at entry For Adult 72 years for a renewed policy For Dependent Child Max age at maturity For Adult 75 years 27 years 1 year 18 years 24 years 65 years for a new policy