Understand Your Policy Better
Know all the benefits and features this policy has to offer.
Trusted by Customers Across India

₹335,432 Crores
Claims paid till date*

96.81%
Individual Death Claim settlement ratio for Q1 FY27

1241 Branches
Across India#

8,62,13,738
Policy Holders^
Frequently Asked Questions
SBI Life - Smart Shield Premier is a pure term insurance plan that provides financial coverage to your family as per your requirement. It offers a death benefit with the options of a Level Cover or an Increasing Cover. You can also add the SBI Life - Accident Benefit Rider for additional coverage against accidental death or disability due to accident. As a pure term plan, SBI Life - Smart Shield Premier focuses entirely on coverage, with no maturity benefit available. This ensures your loved ones can continue their journey with dignity and clarity, knowing you have planned for their tomorrow. To know more about SBI Life - Smart Shield Premier speak to our experts here:
Yes. You can get a personalised premium quote for SBI Life - Smart Shield Premier instantly on our website by entering your details like age, sum assured, policy term, and payment frequency. Click link to get your personalised quote and begin your journey of securing your family.
To buy SBI Life - Smart Shield Premier, you need to be at least 18 years old. The maximum age of entry is 60 years. Check your eligibility for SBI Life - Smart Shield Premier click here
There is no standard waiting period for SBI Life - Smart Shield Premier once the policy is issued and active.
SBI Life - Smart Shield Premier offers flexible coverage options, allowing you to choose between a Level Cover or Increasing Cover to match your family’s growing needs. With coverage that can last up to age 85 years, SBI Life - Smart Shield Premier ensures that your loved ones are taken care of through every chapter ahead. Its optional SBI Life - Accident Benefit Rider provides an added layer of security in the event of an accident. With the choice of regular or limited premium payment options, you have the flexibility to secure what you value while the plan adapts comfortably to your goals.
To make a claim under the SBI Life - Smart Shield Premier plan:
- Inform SBI Life Insurance immediately about the claim event.
- Submit the filled claim form along with the required documents:
- * Death certificate
- * Policy document
- * KYC and account details of claimant
- * Medical or hospital records (if applicable)
- * Police / FIR report (in case of accident)
- The insurer verifies and processes the claim. Once approved, the death benefit is paid to the nominee.
Yes. SBI Life - Smart Shield Premier premiums can be paid through monthly, half-yearly, or annual modes, whichever suits your financial planning.
SBI Life - Smart Shield Premier offers an optional SBI Life - Accident Benefit Rider (ABR) that provides an additional payout in case of accidental death or partial/permanent disability due to an accident. (Note: Rider availability and terms depend on board-approved underwriting policy.)
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