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Benefits of plan
IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
MAKE SMART MOVES TO
GROW YOUR WEALTH WITH INSURANCE
SBI Life – eWealth Insurance
is an Individual, Non-Participating,
Unit Linked Life Insurance Plan (ULIP) which allows you to avail life Insurance cover & market
linked returns to meet your investment needs
and also to secure your family’s financial future. This is a special ULIP plan that can give you
life cover along with Market linked returns.
Below listed are the benefits of SBI Life – eWealth Insurance:
Dual Benefit = Life
Coverage + Wealth Creation
This ULIP plan offers the
dual benefits of life cover and wealth creation.
A part of your premium goes towards providing life coverage, and the rest is allocated to
market-linked funds.
AAA – Automatic Asset
Allocation
As the policy term
progresses, the asset allocations in equity funds reduce
and debt and market funds increase automatically.This ensures automatically balancing of
funds to counter market fluctuations
No Premium Allocation
Charges
That’s right! There are NO
PREMIUM ALLOCATION CHARGES applicable in this Unit Linked Insurance Plan.
2 Plan Options
This ULIP comes with
2 plan options, Growth Plan and Balanced Plan.
Growth Plan:
This option moves your assets from equity to debt and money market as the policy term
progresses
Balanced Plan:
In this option overall exposure to debt and money market investments is higher, giving
you a balanced approach
Liquidity through Partial
Withdrawal from 6th Policy Year Onwards
In case there is any
financial emergency you are facing then
this policy offers partial withdrawal from the 6th policy year.
Premium starting as low as
Rs.2000 per month
Regardless of which plan
option you choose; this ULIP comes with an
affordable premium. It starts as low as Rs.2000 per month.
Tax Benefit
You can avail tax benefits on payment of premium under section 80C of Indian Income Tax Act 1961*
*Tax benefits as per income Tax Laws & are subject to changes from time to time.Please consult your Tax advisor for details.
Simple Steps to Buy
ULIP Online
You can buy ULIP online
in 3 simple and easy steps
Get your
cutomised quote and fill the proposal form
Complete Digital
Signature and Make Payment
Upload Document
Benefits of plan
IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
SBI Life – eWealth Plus
is an Individual,Unit Linked ,Non-Participating,
Life Insurance,Savings Product.
Key Features of SBI Life – eWealth Plus
Twin benefits of Life Insurance Cover and Market Linked Returns.
Choice of two Investment Strategies - Growth Strategy based on overall exposure to Equity, Debt and Money Market instruments and Active Strategy – to invest within twelve fund options as per your risk appetite.
Hassle free investment management through Automatic Asset Allocation under Growth Strategy.
Premiums starting as low as Rs 3,000 per month.
No Premium Allocation Charges, thereby enhancing your Fund Value
Easy and Simple 3 Step Online Buying Process.
Liquidity through Partial Withdrawal(s) from 6th policy year onwards
Avail Tax Benefit*
*Tax benefits as per income Tax Laws & are subject to changes from time to time.Please consult your Tax advisor for details.
How does the plan work?
There are two fund management strategies available under this product – Growth Strategy and Active Strategy.
Growth Strategy:
In this strategy, the Premium is invested through the ‘Automatic Asset Allocation’ feature. In the Automatic Asset Allocation feature, the allocations in Equity fund reduces and the allocations in the Bond fund and Money Market fund increases, in a pre-determined percentage, as the Policy Term progresses.
Active strategy:
In this strategy, you can choose your own fund allocation from twelve unit funds, as per your risk appetite.
Strategy once chosen, at policy inception, cannot be changed later on during the policy term.
The units are allocated depending on the price of units for the funds. The Fund Value is the total value of units that you hold across all the unit-linked funds.
SECURE YOUR TOMORROW WITH A WEALTH CREATION PLAN THAT OFFERS LIFE PROTECTION.
IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
"The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year"
SBI Life - Smart Wealth Builder
is an individual, unit-linked non-participating life insurance product. It offers regular, limited, and single premium payment options. A ULIP calculator will offer a better glimpse at your life cover and wealth creation opportunities at varying scenarios.
Guaranteed additions
SBI Life - Smart Wealth Builder, offers guaranteed additions (starting from the 10th year of policy) based on the policy term.
Protection
Life Insurance coverage will be available throughout the policy term.
No Premium Allocation Charge
From the 11th policy year onwards, no charges will be levied for premium allocation.
Flexibility
This ULIP plan provides an enhanced wealth creation opportunity via eleven varied fund options.
Life Cover Benefit
In case of death of the life assured during the policy term provided the policy is in force, the higher of the following will be payable :
Your Fund Value as on the date of intimation
Basic Sum Assured minus Applicable Partial Withdrawal (APW # )
105% of the total Premiums received up to the date of death minus Applicable Partial Withdrawals (APW # )
The nominee or beneficiary (legal heir) can receive the Death Benefit as lump sum or in instalments over two to five years under the 'Settlement' Option in the form of yearly, half-yearly, quarterly or monthly pay-outs.
# Applicable Partial Withdrawal is equal to partial withdrawals if any in the last 2 years immediately preceding the death of the Life assured.
Maturity Benefit
Applicable for in-force policies, Fund Value is payable in lump sum if the life assured survives up to maturity.
Flexible Options
SBI Life - Smart Wealth Builder offers : Switching between eleven funds
Premium Redirection
Partial Withdrawals
Settlement Option
Flexibility to choose between Single Premium, Regular Premium and Limited Premium
Tax Benefits
You can avail tax benefits on payment of premium under Section 80C of Indian Income Tax Act 1961*
*Tax benefits are as per Income Tax Laws & are subject to change from time to time. Please consult your Tax advisor for details.
SECURE YOUR TODAY AND TOMORROW WITH A VERSATILE INSURANCE PRODUCT
SBI Life – eShield Next
is an Individual, Non-Linked, Non-Participating, Life Insurance, Pure Risk Product. The term insurance plan with its range of benefits helps secure your existing responsibilities, along with your family’s future.
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Plan options
Choose from three plan options- Level cover, Increasing Cover, and Level Cover with Future Proofing Benefit depending on your needs.
Level Cover
- The absolute sum assured on death remains the same throughout the policy term.
Increasing Cover
- The absolute sum assured on death increases by a rate of 10% of the Basic Sum assured at the end of every 5th policy year, subject to a maximum increase of up to 100% of Basic Sum Assured.
Level Cover with Future Proofing Benefit
- Under this Plan option, the Life Assured has a choice to increase Absolute Amount Assured on Death on attaining certain Life Stages during the policy term, without further medical underwriting, applicable from next policy anniversary following the acceptance of the request for the increase. These Life Stages and the corresponding increase in the Absolute Amount Assured on Death are as follows:
(a) On first marriage, the Absolute…

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