Retirement income that arrives steadily, year after year.

Know about SBI Life - Swarna Jeevan Plus

sbil-corp-uin: 111N131V11 | sbil-corp-product-code: 2S

Efficient Risk Management

Secure Pension for Employees

Flexibility in Annuity Options

Know Your Life Insurance Plan

Features

Annuity Options: Experience flexibility and reassurance with SBI Life - Swarna Jeevan Plus comprehensive range of annuity options available to a Master Policyholder or group member. Opt for single or joint annuity options designed to meet your specific requirements, ensuring appropriate coverage for diverse situations.
 
Reliable Management: SBI Life - Swarna Jeevan Plus delivers careful oversight that strengthens security and builds lasting confidence. Your group funds are managed by dedicated, experienced professionals, ensuring that retirement obligations are handled with expertise and diligence. This professional management allows you to focus on your organisational priorities, knowing that your employees' retirement security is well managed.
 
Enhanced Annuity Rates: Competitive payouts create meaningful benefits for members. With SBI Life - Swarna Jeevan Plus, you deliver value that supports both employee satisfaction and organisational objectives, fostering a positive work environment.
 
Deferred Annuity Options: Determine the timing that aligns with your organisation's goals. Receive payouts at the most suitable moment, supported by the assurance of a purchase price refund where applicable. SBI Life - Swarna Jeevan Plus flexibility enables you to coordinate benefits with employee transitions, ensuring readiness when retirement arrives.
 
Flexible Annuity Choices: Different requirements call for thoughtful solutions. SBI Life - Swarna Jeevan Plus presents multiple annuity payout types and schedules. This enables the selection of arrangements that suit your group's circumstances, ensuring each member receives appropriate financial support
 
Customisable Plan: Shape your plan according to established scheme rules. This achieves the flexibility needed to honour your group's priorities and long-term goals, demonstrating your commitment to meeting diverse workforce needs.

Advantages

Reassurance: Experience the clarity that comes from entrusting pension management to capable professionals. SBI Life - Swarna Jeevan Plus simplifies pension administration while ensuring every commitment to your workforce remains fulfilled with certainty. This enables you to concentrate on organisational growth, knowing retirement obligations are managed with expertise.
 
Accessible and Straight forwardSBI Life - Swarna Jeevan Plus plan delivers comprehensive coverage while maintaining fiscal responsibility. Quality retirement benefits become attainable, demonstrating your commitment to employee welfare within sustainable parameters.
 
Reliability: Employees receive fixed annuity or pension benefits that establish a stable foundation for their retirement years. SBI Life - Swarna Jeevan Plus guaranteed payments enable them to maintain their chosen lifestyle with confidence and dignity. This consistent support provides lasting security throughout their post-employment years.
 
Flexibility: Employees can select benefits that align with their individual circumstances. They receive payouts structured to support their unique financial planning requirements, whether addressing immediate needs or long-term objectives. SBI Life - Swarna Jeevan Plus’ personalised approach recognises the diverse situations within your workforce, honouring each employee's distinct journey.

Plan Benefits

A variety of Annuity Options to choose from :
 
Single Annuity

• Life Annuity

• Life annuity with refund of purchase price#

• Life annuity with refund of balance purchase price#

• Annuity certain for N years and annuity for life thereafter

• Increasing Life annuity (Simple or Compound increasing)

• Deferred Life annuity with refund of purchase price#

 
 
Joint Annuity

• Joint life (last survivor) annuity

• Joint life (last survivor) annuity with refund of purchase price#

• Joint life annuity certain for N years and joint life (last survivor) annuity thereafter

• NPS – Family Income (Option available specifically for National Pension System (NPS) subscribers only)

• Increasing Joint Life (last survivor) annuity (Simple or Compound Increasing)

• Deferred Joint life (last survivor) annuity with refund of purchase price#

The plan benefits would depend on the annuity options selected.

# Purchase Price will mean member premium (excluding applicable taxes, other statutory levies if any) under the member policy

Downloads

For more details on risk factors, terms and conditions of the SBI Life - Swarna Jeevan Plus, read the following documents carefully.

Product Brochure/Prospectus

Product Guide

Policy Document

Membership Form

Proposal Form

Annuity Certificate

Swarna Jeevan Plus - Annuity Certificate - CIS

Swarna Jeevan Plus Customer Information Sheet (CIS) for MPD

 

Who Can Buy?

  Minimum Maximum
Age^ at entry (as on last birthday) Under NPS - Family Income (Option 9): as per NPS Scheme Rules
Under Deferred annuity options: Group Member: 45 years Second annuitant: 18 years Under all other annuity options: Group Member: 30 years Second annuitant: 18 years Under all other annuity options: Group Member: 85 years Second annuitant: 85 years
Annuity Payout^^ (per installment) Under NPS - Family Income (Option 9): as per NPS Scheme Rules
Monthly : ₹1,000 Quarterly : ₹3,000Half-yearly : ₹6,000 Yearly : ₹12,000 No limit, shall be as per Board Approved Underwriting Policy
Deferment Period (in multiples of 1 year) 1 year 10 years
Premium For any type of annuity, will be such that the annuitant/s can be paid minimum annuity as per the annuity payment mode chosen. No limit, shall be as per Board Approved Underwriting Policy
Payment Frequency Single Premium (for all options including Deferred Annuity Option)
Policy Term Master Policy will continue till the last annuitant is alive and/or annuity is being paid as per the scheme's rule
Tax Benefit You/member are 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
Group size 10 members No limit

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

^^Amount below this limit will only be offered where the proceeds are from the superannuation fund, administered by SBI Life, where compulsory purchase of annuity is required and to the subscribers of the National Pension Scheme (NPS) regulated by the Pension Fund Regulatory and Development Authority (PFRDA). However, in such cases the minimum annuity will be as per the scheme rules.

The eligible members/annuitants would also have an option to purchase immediate annuity or deferred annuity from another insurer at the then prevailing annuity rate to the extent of 50% of the entire maturity proceeds of the policy net of commutation.

Note: In case of two lives annuity, the maximum age difference allowed between primary and secondary life is 30 years subject to the minimum and maximum entry age of both lives.

सतत विचारले जाणारे प्रश्न

एसबीआय लाईफ - स्वर्ण जीवन प्लस हे एक नॉन-लिंक्ड, नॉन-पार्टिसिपेटिंग, जनरल अ‍ॅन्युइटी ग्रुप उत्पादन आहे जे कर्मचाऱ्यांना स्थिर निवृत्ती उत्पन्न प्रदान करण्यासाठी डिझाइन केलेले आहे. ते तुमच्या कर्मचाऱ्यांना गॅरंटीड अ‍ॅन्युइटी पेमेंट मिळतील याची खात्री करताना तुमच्या पेन्शन योजना व्यवस्थापित करण्यास मदत करते. तुम्हाला आणि तुमच्या कर्मचाऱ्यांनाही दीर्घकालीन स्थिरता राखणाऱ्या विश्वासार्ह निवृत्ती सोल्यूशनचा फायदा होतो. एसबीआय लाईफ - स्वर्ण जीवन प्लस पॉलिसीबद्दल अधिक जाणून घेण्यासाठी, आजच आमच्या तज्ञांशी संपर्क साधा.

एसबीआय लाईफ - स्वर्ण जीवन प्लस पॉलिसी प्रामुख्याने अशा नियोक्ते किंवा संस्थांसाठी डिझाइन केलेली आहे जे त्यांच्या कर्मचाऱ्यांना सुरक्षित निवृत्ती उत्पन्न देऊ इच्छितात. हे कॉर्पोरेट गट, संस्था किंवा ट्रस्टसाठी उपलब्ध आहे जे त्यांच्या कर्मचाऱ्यांना पेन्शन किंवा निवृत्ती योजनेचा भाग म्हणून वार्षिकी लाभ देऊ इच्छितात. हे सुनिश्चित करण्यास मदत करते की तुमच्या कर्मचाऱ्यांच्या निवृत्तीच्या वर्षांना तुम्ही तुमच्या संस्थेच्या उभारणीसाठी घेत असलेल्या काळजीने पाठिंबा दिला जातो.

एसबीआय लाईफ - स्वर्ण जीवन प्लस पॉलिसी विविध गरजा पूर्ण करण्यासाठी अनेक ऍन्युइटी पर्याय देते, ज्यामध्ये आजीवन ऍन्युइटी, संयुक्त जीवन ऍन्युइटी आणि खरेदी किमतीच्या परताव्याच्या पर्यायांचा समावेश आहे. हे पर्याय तुम्हाला तुमच्या कर्मचाऱ्यांच्या विशिष्ट निवृत्ती आवश्यकतांनुसार योजना तयार करण्याची परवानगी देतात, ज्यामुळे पेमेंट स्ट्रक्चर्सच्या बाबतीत लवचिकता मिळते. त्यांच्या भविष्यासाठी तुमची वचनबद्धता त्यांच्या निवृत्ती सुरक्षित ठेवणाऱ्या निवडींद्वारे आकार घेते. एसबीआय लाईफ - स्वर्ण जीवन प्लसच्या ऍन्युइटी पर्यायांबद्दल अधिक जाणून घेण्यासाठी, आजच आमच्या तज्ञांशी बोला.

हो, एसबीआय लाईफ स्वर्ण जीवन पॉलिसी सरेंडर करणे शक्य आहे. तथापि, ही सुविधा फक्त डिफर्ड अॅन्युइटी पर्यायांतर्गत उपलब्ध आहे आणि पॉलिसी फक्त डिफर्ममेंट कालावधीत सरेंडर करता येते.

स्वर्ण जीवन प्लस पॉलिसीसाठी किमान आणि कमाल प्रवेश वय निवडलेल्या अॅन्युइटी पर्यायावर अवलंबून असते:

  • डिफर्ड अॅन्युइटी पर्यायांअंतर्गत:
    1. गट सदस्य: किमान वय ४५ वर्षे
    2. दुसरा वार्षिकी अर्जदार: किमान वय १८ वर्षे
  • इतर सर्व वार्षिकी पर्यायांअंतर्गत:
    1. गट सदस्य: किमान वय ४५ वर्षे
    2. दुसरा वार्षिकी अर्जदार: किमान वय १८ वर्षे
  • सर्व अॅन्युइटी पर्यायांसाठी कमाल वय:
    1. गट सदस्य: कमाल वय ८५ वर्षे
    2. एकॉन्ड वार्षिकी: कमाल वय ८५ वर्षे

एसबीआय लाईफ - स्वर्ण जीवन प्लस पॉलिसी पॉलिसीसाठी भरलेल्या प्रीमियमसाठी आयकर कायद्याच्या कलम 80C अंतर्गत कर लाभ देते. याव्यतिरिक्त, प्राप्त झालेले वार्षिकी उत्पन्न प्रचलित आयकर कायद्यांनुसार कर आकारणीच्या अधीन आहे. योजनेच्या विशिष्ट अटींनुसार, तुम्हाला मृत्यू लाभ किंवा पेन्शन पेमेंटवर कर सूट देखील मिळू शकते. हे कर लाभ तुमच्या कर्मचाऱ्यांना त्यांच्या भविष्याचा आनंद घेण्यास मदत करतात आणि त्यांच्या उद्यासाठी एक मजबूत पाया तयार करतात.

हो, एसबीआय लाईफ - स्वर्ण जीवन प्लस पॉलिसी अंतर्गत, मासिक, त्रैमासिक, सहामाही किंवा वार्षिक अशा विविध वारंवारतेच्या पर्यायांमध्ये वार्षिकी पेमेंट मिळू शकते. ही लवचिकता कर्मचाऱ्यांना त्यांच्या आर्थिक नियोजन आणि गरजांना अनुकूल असलेले पेमेंट वेळापत्रक निवडण्याची परवानगी देते.

एसबीआय लाईफ - स्वर्ण जीवन प्लस पॉलिसी खरेदी करण्यासाठी, तुम्ही थेट आमच्याशी संपर्क साधू शकता किंवा अधिकृत एजंटशी संपर्क साधू शकता.

सर्व पहा

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale. The Annuity Benefits depends upon the Annuity Options and mode of payment chosen by the annuitant and annuity rates prevailing at the time of purchase of the annuity will be paid to the annuitant(s).

 

*Tax Benefit:

 

You/member are eligible for Income Tax benefits/exemptions as per the applicable income tax laws in India, which are subject to change from time to time. For further details, click here. Please consult your tax adviser for details.

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