Savings that return to you, coverage that stays with you.

SBI Life - Smart Swadhan Supreme is an Individual, Non- Linked, Non-Participating, Life insurance Savings product with Return of Premium that ensures your contributions come back to you. Pay premiums regularly or for a limited period to enjoy life insurance coverage. At maturity, you receive your premiums back, supporting the goals you have been working towards. SBI Life - Smart Swadhan Supreme walks alongside you, offering both security and the assurance of predictable outcomes.

Know about SBI Life - Smart Swadhan Supreme

UIN: 111N140V02 | Product Code: 3D

On life's ever-evolving journey, give your family the confidence to move forward with the support of SBI Life - Smart Swadhan Supreme. This Individual, Non-Linked, Non-Participating, Life Insurance Savings product with Return of Premium is designed to support both your family's security and your personal aspirations.

Move through life confidently, knowing you are providing your loved ones with the security they deserve, now and for years to come. With life cover and return of 100% of total premiums paid^# at the end of the policy term, you can enjoy the freedom and lead a secure life for yourself and your family. Your SBI Life - Smart Swadhan Supreme premiums provide coverage today and return to you at maturity, funding the moments that define your life.

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

Your family remains secure throughout the policy term while you build towards the life you envision. With SBI Life - Smart Swadhan Supreme, you are not choosing between coverage and your aspirations. You are embracing both, creating a foundation where your family's security and your personal goals align with ease.

Affordable Life Cover

100% Return of Total Premiums Paid^# on Maturity

Flexible Premium Payment Options

Features

Protection: Our affordable life insurance product provides the coverage you need to safeguard your family's well-being. You can live confidently with the assurance that your loved ones' future remains secure with SBI Life - Smart Swadhan Supreme. This enduring coverage means your family can continue their journey with dignity, maintaining the life you have built together even in times of need.

Convenience: SBI Life - Smart Swadhan Supreme lets you opt for premium payment options that suit your lifestyle, whether regular or for a limited time. You secure your loved ones' future while maintaining the lifestyle you enjoy today. This flexibility ensures your financial commitments align with your circumstances, making coverage accessible while supporting your daily life and other priorities.

Flexibility: With SBI Life - Smart Swadhan Supreme, you have flexibility of choosing from a wide range of policy terms. Whether you are looking for short-term security or long-term assurance, the plan adapts to where you are on your journey.

Maturity Benefit: When you purchase SBI Life - Smart Swadhan Supreme, you secure your loved ones' tomorrow while ensuring your premiums return to you. At the end of the policy term, you receive 100% of your total premiums paid^# back. With this assurance, you can have peace of mind, knowing that your loved ones are protected with a built-in promise for a better future.

Enhanced Protection: Add an Optional SBI Life - Accident Benefit Rider for extra coverage. In case of an accident, it ensures your family remains financially secure. This additional layer strengthens your family's safety net, offering assurance as you navigate life together.

Tax Benefits^$: Protecting your family and securing your future with SBI Life - Smart Swadhan Supreme provides financial benefits that start right away. Tax benefits as per the prevailing norms under the Income Tax Act, 1961, enhance your savings. What you contribute stays with you, supporting the goals and experiences that define your family's journey. When you buy SBI Life - Smart Swadhan Supreme, you are making a choice that supports both today's life and tomorrow's security.

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

^$You may be eligible for Income Tax benefits as per the applicable income tax laws in India, which are subject to change from time to time. You are advised to consult your tax advisor on applicable tax benefits under the policy.

Advantages

Security: With SBI Life - Smart Swadhan Supreme, you honour the promises you have made to your loved ones. Your family can continue their journey with confidence and dignity, knowing the foundation you have built remains strong as needs change through life. This coverage keeps them secure, allowing them to pursue their goals and aspirations with clarity, across various circumstances.

Reliability: SBI Life - Smart Swadhan Supreme offers a promise to yourself and your family.. With life cover and Assurance of getting back the total premiums paid by you, it supports the goals and milestones that shape your life. This dual benefit means your commitment to coverage becomes a foundation for possibilities.

Flexibility: As life changes, so do your needs. SBI Life - Smart Swadhan Supreme gives you the flexibility to adjust your coverage and payment options. This ensures you can meet both your present and future financial goals while maintaining the lifestyle you enjoy. The plan adapts to your evolving circumstances, supporting you as needs evolve.

Plan Benefits

Death Benefit (Applicable only for in force policies):
In the unfortunate event of death of the Life Assured during the policy term, Sum Assured on Death will be payable to the beneficiary in lumpsum.
Sum assured on death will be higher of:
a. Basic Sum Assured^* or
b. 11 times of Annualised Premium^{^} or
c. 105% of the Total Premiums Paid^# upto the date of death.

Maturity Benefit (Applicable only for in force policies):
On survival of the Life Assured till the end of policy term, 100% of the Total Premiums Paid^# during the policy tenure, shall be paid in lump sum.

^*The basic sum assured is the absolute amount of benefit chosen by the policyholder at the inception of the policy.

^{^}Where, Annualized premium shall be the premium amount payable in a year, excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums.

^#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 Swadhan Supreme, read the following documents carefully.

• Product Brochure/Prospectus

• Policy Document

• Customer Information Sheet (CIS)

• SBI Life - Accident Benefit Rider Brochure/Prospectus

• SBI Life - Accident Benefit Rider Policy Document

• SBI Life - Accident Benefit Rider - Customer Information Sheet (CIS)

Who Can Buy?

Policy Term / Premium Payment Term	Premium Payment Options**	Policy Terms
Age* at Entry	Minimum: 18 years	Maximum: 60 years
Maximum Age* at Maturity	75 years
Basic Sum Assured (in multiples of ₹ 50,000)	Minimum: ₹ 25,00,000	Maximum: No Limit, subject to Board Approved Underwriting policy.
	LPPT-7 & 10	15 to 30 years
	LPPT-15	20 to 30 years
	RP	10 to 30 years
Premium Frequency	Yearly, Half-Yearly and Monthly
Premium Frequency Loading	Half-Yearly: 51.00% of annual premium Monthly: 8.5% of annual premium
Premium Frequency	Minimum	Maximum
	Yearly ₹ 6,000	No limit; subject to Board approved underwriting policy.
	Half-yearly ₹ 3,060
	Monthly ₹ 510
Rider	SBI Life - Accident Benefit Rider: (UIN: 111B041V01) Option A: Accidental Death Benefit (ADB) Option B: Accidental Partial Permanent Disability Benefit (APPD)

^*Age mentioned in this document is age last birthday on the date of proposal

^**LPPT: Limited Premium Payment Term ; RP: Regular Premium

“For more details on Riders, terms and conditions, exclusions, please read rider brochure”