Desktop

ವೈಯಕ್ತಿಕ, ಲಿಂಕ್ಡ್ ಅಲ್ಲದ, ಭಾಗವಹಿಸದ, ಜೀವ ವಿಮಾ ಉಳಿತಾಯ ಉತ್ಪನ್ನ

ಎಸ್‌ಬಿಐ ಲೈಫ್ ಬಗ್ಗೆ ತಿಳಿಯಿರಿ - ಸ್ಮಾರ್ಟ್ ಪ್ಲಾಟಿನಾ ಯುವ ಸಾಧಕಿ

sbil-corp-uin: 111N173V02 ಪರಿಚಯ | sbil-corp-product-code: 3ವರ್ಷಗಳು

Guaranteed Benefit

'Waiver of Premium' Benefit

Tax Benefits

Know Your Life Insurance Plan

Features

Guaranteed Benefit: Plan with confidence, knowing your child's important life moments will be financially supported with SBI Life - Smart Platina Young Achiever. The assurance of a strong financial foundation ensures that every milestone in your child's future stands secure and within reach.
 
Waiver of Premium Benefit: Should unforeseen circumstances arise during the policy period, the SBI Life - Smart Platina Young Achiever benefits continue supporting your child over time. The path you have planned for them remains secure, even when circumstances change.
 
Flexible Payout Options: SBI Life - Smart Platina Young Achiever empowers you to structure financial assistance in the way that best serves your child's evolving requirements. Based on your family's needs, the entire payout can be received at once or distributed in instalments over up to seven years for sustained support.
 
Tax Benefits: Tax benefits allow you to maximise your savings whilst building lasting security for your child's future with SBI Life - Smart Platina Young Achiever. Under the current provisions of the Income Tax Act, 1961, tax advantages enhance the plan’s value and efficiency.

Advantages

Security: SBI Life - Smart Platina Young Achiever provides the assurance of knowing your child will have substantial support when pursuing their aspirations. Its guaranteed Maturity Benefit delivers a lump sum at the end of the policy to support your child's future goals.
 
Flexibility: SBI Life - Smart Platina Young Achiever empowers you with the adaptability to provide the full amount at once or in instalments over up to seven years as per your unique financial vision. This approach adapts to your child's circumstances and the opportunities that emerge along their path.
 
Transparency: Your child's aspirations deserve the assurance offered through guaranteed and dependable returns that remain clear from the outset. SBI Life - Smart Platina Young Achiever’s clarity allows you to plan with precision, knowing exactly what your child will receive.
 
Reliability: SBI Life - Smart Platina Young Achiever’s guaranteed additions are credited at the end of every policy year, from the first year until the term's completion, providing your child with consistent support throughout their life. This steady accumulation of benefits gives you confidence that your child's financial foundation strengthens with each passing year.
 
Guaranteed Additions, calculated as a percentage of the total premium paid, will accumulate at a rate based on the premium payment term and Annualised Premium you choose. The rate of guaranteed additions (as a percentage of total premium paid) will be as follows:

In the year of any unfortunate incident, the Guaranteed Addition for that year will be paid in full.

For the Reduced Paid-up policy, the Reduced Guaranteed Addition for each policy year will be calculated by multiplying the Reduced Guaranteed Addition rate with the total premium paid by you up till that year.

The Reduced Guaranteed Addition Rate is calculated by taking the Guaranteed Addition Rate and multiplying it by the ratio of the total period for which premiums are already paid to the total period for which they were payable.

Plan Benefits

Maturity Benefit

If the Policy is in force and the life assured survives till the end of the Policy Term, then Sum Assured on Maturity plus accrued Guaranteed Additions will be payable as a lump sum at the end of the Policy Term.

Where, Sum Assured on Maturity is equal to the Sum Assured.
 
Death Benefit for Life Assured

On the death of the Life Assured during the policy term, provided the policy is in force, the higher of the following will be payable:

a) Sum Assured on Death plus accrued Guaranteed Additions

Or

b)105% of Total Premiums Paid# up to the date of death

Where;

Sum Assured on Death is higher of Sum Assured or 11 times of Annualized Premium*

On payment of the death benefit, the Policy will terminate, and no further benefits will be available under the Policy.
 
Waiver of Premium on Death or Accidental Total Permanent Disability (ATPD) of Proposer

On Death or Accidental Total Permanent Disability of the Proposer during the premium payment term, provided the policy is in force, future premiums payable (if any) on and after the date of death or ATPD under the Policy will be waived, and the Policy will continue as an in-force policy.

Please note that for Accidental Total Permanent Disability claim to be payable, such disability must have persisted continuously for a period of at least 180 days and must, in the opinion of a suitable Medical Practitioner, appointed by the Company, be deemed permanent. The 180 days waiting period to establish permanence of disability is not applicable in case of loss by physical severance.

*Annualized Premium shall be the premium amount payable in a year, excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premium.

#Total Premiums Paid means total of all the premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly

Downloads

For more details on risk factors, terms and conditions of SBI Life – Smart Platina Young Achiever, read the following documents carefully.

• Product Brochure/Prospectus

• Product Guide

• Policy Document

• Customer Information Sheet (CIS)


 

Who Can Buy?

Proposer's Age^ at Entry Minimum: 18 years Maximum: 65 years
Child's Age^ at Entry Minimum: 30 days (0 year) Maximum: 15 years
Child's Age^ at Maturity Minimum: 18 years Maximum: 15 years
Child's Age^ at Maturity Minimum: 18 years Maximum: 35 years
Premium Payment Term 7/ 10 years
Policy Term 15 to 25 years Policy Term will be subject to minimum and maximum age at maturity of child as mentioned above
Annualized Premium Minimum: ₹50,000 Maximum: No limit (subject to board approved underwriting policy)
Child's Age^ at Maturity Minimum: ₹3,50,000 Maximum: No limit (subject to board approved underwriting policy)
Premium Frequency Yearly/ Half-Yearly/ Monthly* The premiums for Half-Yearly & Monthly frequencies will be calculated as: Half-Yearly: 51.00% of Annualized Premium Monthly: 8.50% of Annualized Premium

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

#For Monthly mode, up to 3 Months premium to be paid in advance and renewal premium payment through Electronic Clearing System (ECS).

ನಿಮ್ಮ ಪ್ರೀಮಿಯಂ ಲೆಕ್ಕಿಸು

ಆರ್ಯನ್ ತನ್ನ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡಿದ್ದು, ಸೀಮಿತ ಪ್ರೀಮಿಯಂ ಪಾವತಿಗಳೊಂದಿಗೆ ಅದರ ಬೆಳವಣಿಗೆಗೆ ಭರವಸೆ ಪಡೆದಿದ್ದಾನೆ.

ನೀವೂ ನಿಮ್ಮ ಭವಿಷ್ಯವನ್ನು ಸುರಕ್ಷಿತಗೊಳಿಸಬಹುದು. ಹೇಗೆ ಎಂದು ತಿಳಿಯಲು ಸ್ಮಾರ್ಟ್ ಪ್ಲಾಟಿನಾ ಯಂಗ್ ಅಚೀವರ್ ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಅನ್ನು ಭರ್ತಿ ಮಾಡಿ.

1 Personal Details

Select Your Gender

Proposer Gender

Discount

2 Let's finalize the policy duration you are comfortable with...
Policy Term
15 25
Annual Premium
50,000 No Limit
Distribution Channels
  • Individual Agents
  • Corporate Agent
  • Direct Marketing
  • Online
  • Web Aggregator
  • Broker
  • Insurance Marketing Firms (IMFs)
3 A little information about the premium options...

Premium Frequency

Premium Paying Term
  • 7
  • 10
  • ⓘ Please fill out your Name to proceed.
  • ⓘ Enter a valid calendar date for Assured's DOB.
  • ⓘ Please fill out Proposer's Name to proceed.
  • ⓘ Enter a valid calendar date for Proposer's DOB.
  • ⓘ Please select Distribution Channels.
  • ⓘ Please select Premium Paying Term.
Sum Assured
₹50000
Premium Payment Term
10 Years
Policy Term
10 Years
Maturity Benefit

₹ 0

Email This to Yourself

ಪದೇ ಪದೇ ಕೇಳಲಾಗುವ ಪ್ರಶ್ನೆಗಳು

ಎಸ್‌ಬಿಐ ಲೈಫ್ - ಸ್ಮಾರ್ಟ್ ಪ್ಲಾಟಿನಾ ಯಂಗ್ ಅಚೀವರ್ ಪೋಷಕರು, ಅಜ್ಜಿಯರು ಅಥವಾ ಪೋಷಕರಿಗೆ 0-17 ವರ್ಷ ವಯಸ್ಸಿನ ಮಕ್ಕಳಿಗೆ ಅವಕಾಶಗಳಿಂದ ತುಂಬಿದ ಭವಿಷ್ಯವನ್ನು ಭದ್ರಪಡಿಸುವ ಆಯ್ಕೆಯನ್ನು ನೀಡುತ್ತದೆ. 18-65 ವರ್ಷದೊಳಗಿನ ಪೋಷಕರು ಅಥವಾ ಪೋಷಕರು ತಮ್ಮ ಮಗುವಿನ ಶೈಕ್ಷಣಿಕ ಪ್ರಯಾಣದ ಮೇಲೆ ಶಾಶ್ವತವಾದ ಪರಿಣಾಮ ಬೀರಲು ಪ್ರಾರಂಭಿಸಬಹುದು. ಈ ಯೋಜನೆಯು ನಿಮ್ಮ ಮಗುವಿನ ಉಜ್ವಲ ಭವಿಷ್ಯದ ಬಗ್ಗೆ ನಿಮ್ಮ ಬದ್ಧತೆಯಾಗಿದ್ದು, ಅವರಿಗೆ ಅರ್ಹವಾದ ಅವಕಾಶಗಳು ಕೈಗೆಟುಕುವಂತೆ ಮಾಡುತ್ತದೆ.

ಎಸ್‌ಬಿಐ ಲೈಫ್ - ಸ್ಮಾರ್ಟ್ ಪ್ಲಾಟಿನಾ ಯಂಗ್ ಅಚೀವರ್ ಅನ್ನು ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಖರೀದಿಸುವುದು ಸರಳ ಮತ್ತು ಸರಳವಾಗಿದೆ. ನಮ್ಮ ವೆಬ್‌ಸೈಟ್‌ಗೆ ಭೇಟಿ ನೀಡಿ ಮತ್ತು "ಈಗಲೇ ಖರೀದಿಸಿ" ಬಟನ್ ಕ್ಲಿಕ್ ಮಾಡಿ. ನಿಮ್ಮ ವಿವರಗಳು ಮತ್ತು ನಿಮ್ಮ ಮಗುವಿನ ಮಾಹಿತಿಯನ್ನು ನಮೂದಿಸಿ, ನಿಮ್ಮ ಅಗತ್ಯಗಳಿಗೆ ಸೂಕ್ತವಾದ ಯೋಜನೆಯನ್ನು ಆಯ್ಕೆಮಾಡಿ ಮತ್ತು ಕ್ರೆಡಿಟ್/ಡೆಬಿಟ್ ಕಾರ್ಡ್, ನೆಟ್ ಬ್ಯಾಂಕಿಂಗ್ ಅಥವಾ UPI ಮೂಲಕ ಸುರಕ್ಷಿತ ಪಾವತಿಯನ್ನು ಮಾಡಿ. ನೀವು ತ್ವರಿತ ದೃಢೀಕರಣವನ್ನು ಸ್ವೀಕರಿಸುತ್ತೀರಿ. ನಿಮ್ಮ ಮಗುವಿನ ಶೈಕ್ಷಣಿಕ ಪ್ರಯಾಣವನ್ನು ಬೆಂಬಲಿಸುವತ್ತ ನೀವು ಪ್ರಮುಖ ಹೆಜ್ಜೆ ಇಟ್ಟಿದ್ದೀರಿ. ನಿಮಗೆ ಸಹಾಯ ಬೇಕಾದರೆ, ನಿಮಗೆ ಮಾರ್ಗದರ್ಶನ ನೀಡಲು ನಮ್ಮ ತಜ್ಞರು ಲಭ್ಯವಿದೆ.

ಎಸ್‌ಬಿಐ ಲೈಫ್ - ಸ್ಮಾರ್ಟ್ ಪ್ಲಾಟಿನಾ ಯಂಗ್ ಅಚೀವರ್ ಎಂಬುದು ನಿಮ್ಮ ಮಗುವಿನ ಮುಂದಿನ ಶಿಕ್ಷಣಕ್ಕೆ ಸುರಕ್ಷಿತ ಅಡಿಪಾಯವನ್ನು ನಿರ್ಮಿಸಲು ವಿನ್ಯಾಸಗೊಳಿಸಲಾದ ಜೀವ ವಿಮಾ ಉಳಿತಾಯ ಯೋಜನೆಯಾಗಿದೆ. ಇದು ಜೀವ ರಕ್ಷಣೆಯನ್ನು ಮೆಚ್ಯೂರಿಟಿ ಪ್ರಯೋಜನಗಳೊಂದಿಗೆ ಸಂಯೋಜಿಸುತ್ತದೆ, ಪ್ರತಿ ಅಧ್ಯಾಯದಲ್ಲೂ ಅವರ ಹಾದಿ ಮುಂದುವರಿಯುವುದನ್ನು ಖಚಿತಪಡಿಸುತ್ತದೆ. ಈ ಯೋಜನೆಯೊಂದಿಗೆ, ನೀವು ಅವರ ಯಶಸ್ಸಿಗೆ ಅಡಿಪಾಯವನ್ನು ರಚಿಸುತ್ತೀರಿ, ಅವರ ಮುಂದಿನ ಹಾದಿಯನ್ನು ಸ್ಪಷ್ಟವಾಗಿ ಮತ್ತು ಬೆಂಬಲಿತವಾಗಿರಿಸಿಕೊಳ್ಳುತ್ತೀರಿ. ನಮ್ಮ ಯೋಜನೆಯ ಕುರಿತು ಇನ್ನಷ್ಟು ತಿಳಿದುಕೊಳ್ಳಲು ನಮ್ಮ ತಜ್ಞರನ್ನು ಸಂಪರ್ಕಿಸಿ.

ಎಸ್‌ಬಿಐ ಲೈಫ್ - ಸ್ಮಾರ್ಟ್ ಪ್ಲಾಟಿನಾ ಯಂಗ್ ಅಚೀವರ್ ನಿಮ್ಮ ಉಳಿತಾಯವನ್ನು ಗರಿಷ್ಠಗೊಳಿಸಲು ಮತ್ತು ನಿಮ್ಮ ಮಗುವಿಗೆ ಸ್ಥಿರ ಭವಿಷ್ಯವನ್ನು ಭದ್ರಪಡಿಸಿಕೊಳ್ಳಲು ಅವಕಾಶವನ್ನು ನೀಡುತ್ತದೆ. ಆದಾಯ ತೆರಿಗೆ ಕಾಯ್ದೆ, 1961 ರ ಅಡಿಯಲ್ಲಿ ಒದಗಿಸಲಾದ ತೆರಿಗೆ ಪ್ರಯೋಜನಗಳೊಂದಿಗೆ, ನಿಮ್ಮ ಮಗುವಿನ ಆಕಾಂಕ್ಷೆಗಳು ಮತ್ತು ಮೈಲಿಗಲ್ಲುಗಳಿಗೆ ನೀವು ಹೆಚ್ಚಿನ ಆರ್ಥಿಕ ಬೆಂಬಲವನ್ನು ಉಳಿಸಿಕೊಳ್ಳುತ್ತೀರಿ. ಇದು ದೀರ್ಘಾವಧಿಯ ಭದ್ರತೆಗೆ ಪ್ರಬಲ ಸಾಧನವಾಗುತ್ತದೆ, ನಿಮ್ಮ ಮಗುವಿಗೆ ಯಶಸ್ವಿಯಾಗಲು ಅಗತ್ಯವಿರುವ ಅಡಿಪಾಯವನ್ನು ನಿರ್ಮಿಸಲು ಸಹಾಯ ಮಾಡುತ್ತದೆ.

ಎಲ್ಲವನ್ನೂ ವೀಕ್ಷಿಸಿ

Please note that life assured is the minor child under this plan and parent or grandparent or legal guardian can be the policyholder / proposer. This shall be as per our board approved underwriting policy. The Waiver of Premium cover will be on the proposer’s life. The policy shall automatically vest to the life assured on the policy anniversary coinciding with or immediately following the completion of 18 years of age and shall on such vesting be deemed to be a contract between the Company and the life assured.

*Tax Benefits:

You may be eligible for Income Tax benefits/exemptions as per the applicable income tax laws in India, which are subject to change from time to time. You may visit our website for further details. 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.
WT/3Y/ver1/02/26/WEB/ENG