Individual plan 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 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. 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: 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 Automatic Rebalancing to Lock-in your gains 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
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Product Snapshot Age at Entry* Age at Maturity Premium Payment Term Minimum Limited Premium Amounts (X 100) Min: 9 years Max: 75 years SP or 5 years Yearly Half-yearly Quarterly Monthly Rs 60,000 No limits Rs 50,000 Rs 44,000 Rs 36,000 Rs 20,000 Max: 65years

Minimum Single Premium (X 100) Maximum Limited/Single Premium Amounts Policy Term Premium Modes Sum Assured

10 years from the start of the subscription period. Single / Yearly / Half-yearly / Quarterly / Monthly*** Age/PPT For 5 yr PPT Minimum Maximum For SP Minimum Maximum

Below 45 Yrs Between 45yrs & 60yrs 61 yrs and above Plan Options

10 * AP

20*AP

1.25*SP

5*SP

7 * AP

20*AP

1.25*SP

5*SP

7 * AP

7 * AP

1.25*SP

1.25*SP

2 Plan Options: 1. Secure Plan - All your funds would be invested in the Daily Protect Fund 2. Secure N Grow Plan - 80% of your funds would be invested in the Daily Protect Fund and 20% would be invested in the Index Fund

* All the references to age are age as on last birthday.

*** For monthly mode, 3 months premium to be paid in advance and renewal premium payment is allowed only through ECS, Credit card, Direct debit and SI-EFT

Benefits: Maturity Benefit: On completion of Policy Term, Maturity Value will be paid. Maturity value for the Daily Protect Fund will be calculated based on NAV which is higher of: Prevailing NAV as on date of Maturity OR Higher than Highest Guaranteed NAV: There will be an increment of 5% to the Highest NAV achieved during the first seven years under the Daily Protect Fund. In addition, if there are any units in the Index Fund, the Fund value of such units, calculated at the Prevailing NAV would also be added, in order to arrive at the Maturity Value Death Benefit: Higher of the Fund Value or Sum Assured is payable; subject to a minimum of ## 105% of the total premiums paid at the time of death. The death benefit is payable only for inforce policies. Accidental Death Benefit Option: Accidental Death Benefit: Provides additional death benefit if the death occurs as a result of an accident.
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Note: Daily Protect Fund - III (SFIN : ULIF020010911DLYPRO3FND111) Index Fund (SFIN : ULIF015070110INDEXULFND111)
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The Guaranteed NAV is applicable onlyin respect of the Daily Protect Fund (and the applicable series of the fund) andshall be available only at maturity, and shall be further subject to thePolicy being in force till the maturity date. Guarantee charge of 0.50%p.a. of Daily Protect Fund (applicable series) value, would berecovered from the fund (through cancellation of units) to provide theNAV guarantee.
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Net of partial withdrawals

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Tax benefits are subject to change in tax laws. Please consult your tax advisor for details.

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

Mortality Rates for SBI Life - Smart Performer

SBI Life - Unit Plus Super

Introduction: 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 thats 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).
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Product Snapshot Age at Entry* Age at Maturity Policy Term Min: 7 years 75 years Min. Term: For Regular Premium (RP) -10 yrs, 15 to 30 years (both inclusive) For Limited Premium Payment Term (LPPT) - 10 yrs, 15 to 30 years (both inclusive) For Single Premium (SP) - 5 years Max. Term: For Regular/Limited/Single Premium Option 30 years Premium Payment Term For Regular Premium Same as Policy Term For Limited Premium Payment Term (LPPT) Policy Term 10 year 15-30 years PPT 5 or 8 years 5 or 8 or 10 years Max: 65 years

For Single Premium Single Payment Premium Amount (X 100) For RP For LPPT For SP Premium Modes Sum Assured Single /Yearly Minimum: For Regular Premium (RP) & LPPT For Ages below 45 yrs : Higher of {10 * Annual Premium (AP) or (0.5 * Term * AP)} For Ages 45yrs & above: Higher of {7 * AP or (0.25 X Term X AP)} For Single Premium (SP) For Ages below 45 yrs: 1.25 * SP For Ages 45yrs & above: Fixed - 1.25 * SP Maximum: Particulars For Regular Premium Below 45 yrs 45 yrs & above For Limited Premium Below 45 yrs 45 yrs & above 15 * AP For Single Premium Below 45 yrs Minimum Rs. 30,000 Rs. 40,000 Rs. 65,000 Maximum Rs. 1,50,000 Rs. 1,50,000 Rs. 1,50,000

Entry Age

Sum Assured

20 * AP

20 * AP

20 * AP

5 * SP

* All the references to age are age as on last birthday.

Benefits: Maturity Benefit: On completion of Policy Term, Fund Value will be paid. Death Benefit: Higher of the Fund Value or Sum Assured ## total basic premiums paid till the time of death. Rider Benefits: Criti Care 13 Rider: Provides lump sum amount to take care of 13 Critical Illnesses which include Cancer, Coronary Artery Bypass Graft Surgery, Heart Attack, Heart Valve Surgery, Kidney Failure, Major Burns, Major Organ Transplant, Paralysis, Stroke, Surgery of Aorta, Coma, Motor Neurone Disease and Multiple Sclerosis Accidental Death Benefit Linked Rider: Provides additional death benefit if the death occurs as a result of an accident. Premium Payor Waiver Benefit Rider: In the event of the death of the Proposer, the cover for the Life Assured under the base policy continues and the future premiums under the base policy, payable during the rider term, will be paid by the Company. Income Sustainer Rider: Provides additional benefit in the case of death or in the case of Total & Permanent Disability due to Accident or Sickness, whichever is earlier. A 25% of income sustainer benefit sum assured is paid upfront and 1% of income sustainer benefit sum assured
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is payable; with a minimum of 105% of

is paid monthly in arrears for 10 years or till the end of the base policy term (capped at a maximum of 30 years) whichever is higher.

Rider Brochures:
SBI Life - Accidental Death Benefit Linked Rider SBI Life - Criti Care 13 Rider SBI Life - Income Sustainer Rider SBI Life - Premium Payor Waiver Benefit Rider

Note: Index Fund (SFIN : ULIF015070110INDEXULFND111) Top 300 Fund (SFIN : ULIF016070110TOP300-FND111) P/E Managed Fund (SFIN : ULIF021080910P/EMNGDFND111)
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For any partial withdrawal done, the guaranteed addition shall be reduced proportionately. Net of partial withdrawals.

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

SBI Life - Saral Maha Anand

Introduction: 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. Product Snapshot Age at Entry ^ Max. Age at Maturity Policy Term Minimum Premium Amounts (x100) Minimum: 18 years 65 years 10 years / 15 years / 20 years Yearly Half-yearly Quarterly Monthly Yearly Quarterly Monthly Premium Modes Sum Assured : Rs. 15,000/: Rs. 9,500/: Rs. 5,500/: Rs. 2,000/: Rs. 29,000/: Rs. 7,200/: Rs. 2,400/*** ## #

Maximum: 55 years

Maximum Premium Amounts (x100)

Half-yearly : Rs. 14,500/-

Yearly / Half-yearly / Quarterly / Monthly Minimum: Age below 45 years :

10 AP

Age 45 years or above : 7 AP Maximum: 20 AP Partial Withdrawals Upto 15% of Fund Value can be withdrawn each year, from 6th year onwards, subject to conditions. One partial withdrawal is free in a policy year.

Tax Benefits**

Under Sec. 80C and Sec. 10(10D) of Income Tax Act,1961

^ All the references to age are age as on last birthday

** ***

Tax benefits are subject to change in tax laws. Please consult your tax advisor for details. For monthly mode, 3 months premium to be paid in advance and renewal premium payment is

allowed only through ECS, Credit card, Direct debit and SI-EFT 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 total basic premiums paid till the time of death. Rider Benefits: Accidental Death Benefit Linked Rider: Provides additional death benefit if the death occurs as a result of an accident.
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Rider Brochures: SBI Life - Accidental Death Benefit Linked Rider

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No medical underwriting if no adverse declaration is made in the proposal form by the policyholder For any partial withdrawal done, the guaranteed addition shall be reduced proportionately. Net of partial withdrawals.

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale Unit Linked products are different from the traditional products and are subject to market risks. The premium paid in Unit Linked 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 is only the name of the insurance company and SBI Life Saral Maha Anand is the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospectus or returns. Please know the associated risk and applicable charges from your Insurance Advisor or the intermediary or the policy document. Insurance is the subject matter of solicitation.

SBI Life - Smart Elite

ntroduction: 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. 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 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**. Product Snapshot : Age at Entry* Age at Maturity Policy Term Premium Payment Term Min: 18 years 65 years 5 to 20 years (both inclusive) Minimum Limited Premium Amount (X 100) For Limited Premium Payment Term (LPPT) 5 or 8 or 10 years. For Single Premium Single Payment. Rs 150,000 Rs 75,000 Rs 37,500 Rs 12,500 Max: 60 years

Yearly Half-yearly Quarterly Monthly Rs 200,000

Minimum Single Premium Amount (X 100) Maximum Limited/Single Premium Amount (X 100) Premium Modes

No limit Single /Yearly /Half-yearly /Quarterly / Monthly

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Sum Assured

Minimum: For LPPT For Ages below 45 yrs : 10 * Annual Premium (AP) For Ages 45yrs & above: 7 * AP For Single Premium (SP) For All Ages : 1.25 * SP Maximum: For LPPT - For All Ages - 20 * AP For SP For All Ages - 5 * SP

All the references to age are age as on last birthday. For monthly mode, 3 months premium to be paid in advance and renewal premium payment is allowed only through ECS, Credit card, Direct debit and SI-EFT
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Benefits: Maturity Benefit:On completion of Policy Term, Fund Value will be paid. Death Benefit: For Gold Option: Higher of Fund Value or Sum Assured is payable; with a minimum of 105% of # total premiums paid till the time of death. # For Platinum Option: Fund Value plus Sum Assured is payable; with a minimum of 105% of # total premiums paid till the time of death. In-built Benefit: Accidental Death and Accidental Total and Permanent Disability (Accident Benefit):Provides an additional benefit for Accidental Death or Accidental TPD.
# Net of partial withdrawals
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Tax benefits are subject to change in tax laws. Please consult your tax advisor for details.

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

Mortality Rates for SBI Life - Smart Elite

SBI Life - Smart Scholar

ntroduction: 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. At SBI Life, we understand and we provide you with a unique, flexible and allencompassing 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. 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. Product Snapshot : Age at Entry * Child: Min: 0 years Proposer: Min: 18 years Max. Age at Maturity Policy Term 65 years Min: 8 years Max: 25 years less childs age at entry (On Maturity, the age of child should be between 18 to 25 years) Single Premium 5 to 25 years (subject to the limits of policy term) Max: 17 years Max: 57 years

Premium Payment Terms (PPT)

Premium Amounts(x100)

Minimum: PPT SP Frequency Single Yearly Half Yearly Quarterly *** Monthly Yearly Half Yearly Quarterly *** Monthly No Limit Minimum(Rs) 75,000 50,000 25.000 12,500 4,500 24,000 16,000 10,000 4,000

5 years to 7 years

8 years or more

Maximum : Sum Assured For Single Premium: Minimum Across all ages 1.25 * SP For other PPTs: Minimum Age<45 years Higher of: 10 * AP or * T * AP Partial Withdrawals

Maximum Age<45 years Age=>45 years 5 * SP 1.25 * SP

Maximum Age=>45 years 7 * AP Across all 20 * AP

Upto 15% of Fund Value can be withdrawn each year, from 6th year onwards, subject to conditions. 1 free partial withdrawal in a policy year Under Sec. 80C and Sec. 10(10D) of Income Tax Act,1961

Tax Benefits**

All the references to age are age as on last birthday. For monthly mode, 3 months premium to be paid in advance and renewal premium payment is allowed only through ECS, Credit card, Direct debit and SI-EFT
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Loyalty Additions, by way of free allocation of units: During the term of the policy loyalty units would be given for in-force policies on completion of specific durations. Loyalty additions depend on term of the policy. The loyalty addition at relevant policy year end will be equivalent to 1% x [Average fund value over the 1st day of the last 24 policy months] Loyalty additions are payable at the end of the year(s) as per the chart below:

Benefits: Basic Life Benefit: In the event of unfortunate death of life assured, a lump sum benefit equal to higher of the Sum Assured or 105% of all premiums paid till date of death will be payable. If on the date of death, the sum assured is less than 105% of all premiums paid, the amount in excess of the sum assured will be paid from your fund by disinvestment of units. In the event of death of child no sum assured is payable. Life assured will inform the Company regarding the event. In such case he/she can either continue the policy or terminate the contract. In case of termination of contract, the fund value (without any surrender charges), will be payable. If both the life assured and the child die during the term of the policy the policy will be automatically terminated and all due benefits will be paid along with the fund value.. Maturity Benefit: On completion of the policy term, maturity benefit i.e. the fund value shall be paid to beneficiary in a lump sum or as per settlement option, if chosen. The beneficiary will be: The policyholder if he/she survives. OR Child, in case of death of the life assured during the policy term.
Note: Index Fund (SFIN : ULIF015070110INDEXULFND111) Top 300 Fund (SFIN : ULIF016070110TOP300-FND111) P/E Managed Fund (SFIN : ULIF021080910P/EMNGDFND111) ** Tax benefits are subject to change in tax laws. Please consult your tax advisor for details. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale. Insurance is a subject matter of solicitation.

Mortality Rates for SBI Life - Smart Scholar

SBI Life - Smart Horizon

Introduction: 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 dont 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. Product Snapshot Age at Entry
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Minimum: 7 years 70 years

Maximum: 60 years

Age at Maturity Policy Term Regular Premium Amount (X 100)

10 yrs, 15 to 30 years (both inclusive) Minimum Yearly Half-yearly Quarterly Monthly Rs 24,000 Rs 15,000 Rs 8,000 Rs 3,000 Maximum Rs 74,000 Rs 37,000 Rs 18,500 Rs 6,200
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Premium Modes Sum Assured

Yearly / Half-yearly / Quarterly / Monthly

Minimum: For Ages below 45 yrs : Higher of {10 x Annual Premium (AP) or (0.5 x Term x AP)} For Ages 45yrs & above: Higher of {7 x AP or (0.25 x Term x

AP)} Maximum: For All Ages - 20 x AP

* ***

All the references to age are age as on last birthday.

For monthly mode, 3 months premium to be paid in advance and renewal premium payment is

allowed only through ECS, Credit card, Direct debit and SI-EFT

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 total basic premiums paid till the time of death. Rider Benefits: SBI Life - Criti Care 13 Rider: Provides lump sum amount to take care of 13 Critical Illnesses which include Cancer, Coronary Artery Bypass Graft Surgery, Heart Attack, Heart Valve Surgery, Kidney Failure, Major Burns, Major Organ Transplant, Paralysis, Stroke, Surgery of Aorta, Coma, Motor Neurone Disease and Multiple Sclerosis. Accidental Death Benefit Linked Rider:Provides additional death benefit if the death occurs as a result of an accident. Premium Payor Waiver Benefit Rider: In the event of the death of the Proposer, the cover for the Life Assured under the base policy continues and the future premiums under the base policy, payable during the rider term, will be paid by the Company. Income Sustainer Rider: Provides additional benefit in the case of death or in the case of Total & Permanent Disability due to Accident or Sickness, whichever is earlier. A 25% of income sustainer benefit sum assured is paid upfront and 1% of income sustainer benefit sum assured is paid monthly in arrears for 10 years or till the end of the base policy term (capped at a maximum of 30 years) whichever is higher.
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Rider Brochures: SBI Life - Criti Care 13 Rider SBI Life - Accidental Death Benefit Linked Rider SBI Life Premium Payor Waiver Benefit Rider SBI Life Income Sustainer Rider
^ Tax benefits are subject to change in tax laws. Please consult your Tax advisor for details * Net of partial withdrawals For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

Mortality Rates for SBI Life - Smart Horizon

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 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

Product Snapshot Age at Entry ^ Age at Maturity Policy Term Premium Payment Term Single Premium Amount (X 100) Minimum: 8 years 75 years 10 to 30 years (both inclusive) Single Premium (SP) Min: Rs 50,000 Max: No limit Minimum: For Age below 45 yrs : 1.25 * SP For Age 45yrs & above: 1.10 * SP Maximum:For Age below 45 yrs : 5 * SP For Age 45yrs & above: 3 * SP Fund Options 4 Funds:1. Return Guarantee Fund 2. Bond Fund 3. Equity Fund 4. P/E Managed Fund Maximum: 65 years

Sum Assured

* All the references to age are age as on last birthday.

Benefits: Maturity Benefit: On completion of Policy Term, Fund Value will be paid. If the policy term is such that the maturity date is the same as the termination date of RGF, then the fund value at maturity will be: Fund value at the prevailing NAV as on date of Maturity for funds other than RGF Plus Higher of the Fund value at the minimum pre-specified guaranteed NAV or at the prevailing NAV for the RGF.

If the policy term is such that the maturity date is later than the termination date of RGF, the maturity value is the total Fund value at maturity. Death Benefit: Higher of Fund Value or Sum Assured is payable; with a minimum of 105% of ## Single premium paid . Accidental Death Benefit Option:Accidental Death Benefit: Provides additional death benefit if the death occurs as a result of an accident.
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Note: 1. Bond Fund (SFIN: ULIF002100105BONDULPFND111) 2. Equity Fund (SFIN: ULIF001100105EQUITY-FND111) 3. P/E Managed Fund (SFIN: ULIF021080910P/EMNGDFND111) 4. Return Guarantee Fund - Currently no series of RGF is available for sale. **The Return Guarantee (Minimum NAV Guarantee) is applicable only in respect of the Return Guarantee Fund (RGF) and is applicable to the Fund value at the end of the 10th year from the start of the subscription period of the fund and/or sub-fund(s). To provide the Return Guarantee a guarantee charge of 0.35% p.a. of the fund value levied on RGF would be recovered through cancellation of units. #The Guaranteed return is provided through Return Guarantee Fund (RGF). RGF will be segregated by close ended sub-fund(s) terminating after 10 years from the start of subscription period of sub-fund(s). The sub funds will be offered in tranches which will be open for a minimum of 1 & maximum of 3 months. Fund provides a minimum pre-specified guaranteed NAV (declared at the launch of sub fund) at the termination of sub fund. ^ Tax benefits are subject to change in tax laws. Please consult your Tax advisor for details ## Net of partial withdrawals For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

Group Plan]