UNIT LINKED PLANS SBI Life - Smart Wealth Builder You may have ever changing needs, but

as your preferred life insurance company, SBI Life definitely understands all your financial & insurance needs. SBI Life Smart Wealth Builder, a unit linked, non participating, insurance plan is an attempt to meet all your financial & insurance needs through a single product. You can use it the way you like. You can choose your required life insurance cover subject to a minimum and a maximum level.

Key Features: Guaranteed Additions# (Conditions Apply) up to 125% of one annual regular premium on a regular premium policy, for a 30 year policy term, subject to the Policy being in force till the maturity date. Guaranteed Additions starting as early as 10th policy year onwards No Policy Administration fees for first 5 years for Regular and Limited Premium Paying Term (LPPT) plans, thereby boosting your fund value No Premium Allocation Charge from 11th year onwards Enhanced investment opportunity through 7 varied Fund Options Life Insurance coverage, with minimum Sum Assured based on your age Flexible product with an option to increase/decrease your Sum Assured from 6th policy year onwards SBI Life - Smart Wealth Assure SBI Life - Smart Wealth Assure is a Unit Linked non-participating Life Insurance Plan. It is a single premium plan, wherein you have to pay premiums once and you can continue to enjoy the benefits throughout the policy term.

The plan helps you to enjoy market related returns along with insurance cover, with just a single premium

Key Features: Option to choose a mix of funds providing Market Linked Returns Market Linked Returns provided through 2 funds Bond Fund & Equity Fund to give you the best possible returns Pay only once and get the benefits throughout the Policy Term Liquidity through Partial Withdrawal(s) Option to customize the product with Accidental Death Benefit Option

SBI Life - Saral Maha Anand

SBI Life - Saral Maha Anand is a product created just for you, which will pleasantly surprise you with its sheer Simplicity and Convenience! It is a unit linked, non participating life insurance plan, which lets you manage your investments according to your risk appetite, giving you the power to realise market related returns on your policy. You can choose your required life insurance cover subject to a minimum and a maximum level.

Key Features: No medical examination, Simple joining process^^ Guaranteed Additions of up to 30% of one annual premium, for a 20 year policy term, subject to the Policy being in force till the maturity date. 3 fund options, to enjoy market related returns as per your risk appetite. No Premium Allocation Charge from 11th year onwards, thereby boosting your fund value Liquidity through partial withdrawals Option to customize the plan through SBI Life - Accidental Death Benefit Linked Rider (UIN: 111A019V02)

 Twin Benefit of Market linked returns & insurance cover

SBI Life - Smart Scholar Life begins afresh when you become a parent. Its a joy you never felt and a feeling you never experienced. When your child takes baby steps towards you, nothing seems more blissful. With this divine happiness comes a new sense of responsibility thats close to your heart. You want to make your childs life a bed of roses or a tender cushion. At SBI Life, we understand your needs and provide you with a flexible and allencompassing solution: SBI Life - Smart Scholar, a non participating Unit Linked Insurance Plan. Secure your childs future by gaining from the financial markets. Our specially crafted Smart Scholar Plan is as accommodating as you are to your child.

Key Features: Secure your childs future by gaining from the financial markets and much more. Dual protection for your family, in case you are not around Payment of base Sum Assured and Inbuilt Premium Pay or Waiver benefit to ensure continuance of your policy In addition, Accident Benefit which includes Accidental Death benefit and Accidental Total and Permanent Disability (Accidental TPD) benefit, is an integral part of the plan Depending upon the term of the policy, Loyalty Additions would be paid periodically, for in-force policies. Enhanced investment opportunity through 7 varied fund options Twin benefits of market linked return & insurance benefit Liquidity through partial withdrawal(s) SBI Life - Smart Elite

SBI Life - Smart Elite is a Unit Linked Insurance plan - an exquisitely crafted product, exclusively for special customers like you. It gives you flexibility to pay premium(s) for limited term or single premium, with the freedom to stay invested and protected for long term. Whats more, you have the power of choosing the option best suited to your needs, at a very competitive rate. All this and more, coming from SBI Life your preferred insurer, adds value to your investments.

Key Features: Pay premiums only for a limited term of 5, 8 or 10 years or a Single Payment, as per your need and enjoy benefits throughout the chosen policy term. No Premium Allocation Charges from 6th policy year onwards, thereby enhancing your fund value Two protection options available: Gold Option & Platinum Option Invest in wide range of funds and manage them as per your convenience. Life Insurance coverage with minimum Sum Assured of 10 or 7 times of your Annual Premium (AP), based on your age. Switch and redirection facility, to pilot your investments. Option to increase/decrease your Sum Assured from 6th policy year onwards. Accidental Death and Accidental Total and Permanent Disability (Accidental TPD) benefit automatically comes to you as an integral part of the plan! SBI Life - Smart Power Insurance To have a secure future, which takes care of the financial needs of the family in case of any eventuality and to meet lifes various goals, it is important that one starts saving early and regularly. We present to you, SBI Life - Smart Power Insurance, a non-participating unit linked insurance plan which takes care of your insurance as well as investment needs. The product comes to you at reasonable premium and is in tune with the current investment scenario. It is a flexible product, which also takes care of your liquidity needs. Additional protection requirement, due to changing personal and/or financial circumstances, is also taken care by the product.

Key Features:

 Two Plan Options to choose from: Level Cover Option - Sum Assured chosen at inception remains the same through out the policy term Increasing Cover Option - The initial Sum Assured increases by 10%, without any additional underwriting, starting from 6th policy year and after every 5 years thereafter Advantage of Advancing the Policy Benefit to become your Living Benefit, through our Inbuilt Accelerated Total & Permanent Disability (TPD) benefit Two Fund options to choose from Trigger Fund Option - Advantage of Buying Low and Selling High Smart Funds Option - Option to choose from 7 varied funds Flexibility through 2 free switches in a policy year Liquidity through Partial Withdrawal(s) CHILD PLANS SBI Life - Smart Scholar Life begins afresh when you become a parent. Its a joy you never felt and a feeling you never experienced. When your child takes baby steps towards you, nothing seems more blissful. With this divine happiness comes a new sense of responsibility thats close to your heart. You want to make your childs life a bed of roses or a tender cushion. At SBI Life, we understand your needs and provide you with a flexible and allencompassing solution: SBI Life - Smart Scholar, a non participating Unit Linked Insurance Plan. Secure your childs future by gaining from the financial markets. Our specially crafted Smart Scholar Plan is as accommodating as you are to your child.

Key Features: Secure your childs future by gaining from the financial markets and much more. Dual protection for your family, in case you are not around Payment of base Sum Assured and

 Inbuilt Premium Pay or Waiver benefit to ensure continuance of your policy In addition, Accident Benefit which includes Accidental Death benefit and Accidental Total and Permanent Disability (Accidental TPD) benefit, is an integral part of the plan Depending upon the term of the policy, Loyalty Additions would be paid periodically, for in-force policies. Enhanced investment opportunity through 7 varied fund options Twin benefits of market linked return & insurance benefit Liquidity through partial withdrawal(s) PENSION PLANS SBI Life - Saral Pension Retirement - means giving up work and continuing to Celebrate Life! SBI Life - Saral Pension is an Individual, Participating, Non Linked, Traditional Pension Plan, which offers you complete safety from market volatility, by providing you a secure future and a joyous retirement.

Key Features: Guaranteed Bonus: Guaranteed simple reversionary Bonuses for first 5 years; @ 2.50% for first three years and @2.75% for the next two years, of the Sum Assured. Guaranteed bonus will be applicable only to in-force policies. Vesting (Maturity) benefit: Sum Assured plus vested simple reversionary bonuses plus terminal bonus, if any. The sum assured carries an implicit guaranteed interest rate of at least 0.25% p.a. compounding annually on the total premiums. Death Benefit: Higher of total premiums paid accumulated at an interest rate of 0.25% p.a. compounded annually plus vested reversionary bonus plus terminal bonuses, if any or 105% of total premiums paid. Life Cover: Option of additional life cover through SBI Life - Preferred Term Rider (UIN: 111B014V02). On Vesting, you can buy immediate annuity from your entire proceeds or commute upto one-third of the policy proceeds and buy annuity with the rest.

 Flexibility: You can defer the vesting date upto age of 70 years or extend the accumulation / deferment* period of your policy SBI Life - Retire Smart Due to higher disposable incomes and breakthrough in medical sciences, longevity has increased to a great extent. We are all living longer after retirement. Retirement may sound distant to you at the moment. However, it could span as long as one-fourth of our lifetime and is ever increasing; and not many of us have really noticed or even thought about that. Moreover, many people underestimate how much they need to save for retirement. Thus, for creating a retirement corpus, systematic & disciplined investment is required during ones earning years. We present to you, SBI Life - Retire Smart, a non-participating unit linked pure pension plan, which guarantees you minimum of 101% of all premiums paid, when policy is in force, on Maturity/Vesting; thus the downside risk in the market is protected to a great extent.

Key Features: Your Fund Value is boosted, through guaranteed additions of up-to 210%* of Annual Premium (Conditions Apply) Guaranteed Additions of 10% of Annual Premium are paid regularly, starting from the end of 15th policy year and at the end of every year thereafter till the end of policy term. Get Terminal Additions of 1.5% of Fund Value, at maturity/vesting or on earlier death. No need to worry about your investments, as the same is managed on your behalf by

SBI Life through Advantage Plan. This plan guarantees a minimum of 101% of all premiums paid at maturity/vesting. Get a Guarantee of minimum 105% of all premiums paid on earlier death. Option to pay premiums regularly or for a limited period. Flexibility to postpone your vesting age.

SBI Life - Annuity Plus SBI Life - Annuity Plus, a traditional, non-participating immediate annuity plan, which offers a comprehensive range of annuity options along with inbuilt flexibilities. It provides an opportunity to you to maintain your standard of living.

Key Features: Complete freedom to choose from a wide range of Annuity options Enjoy a regular income (annuity payout) from an early age of 40 years You have an option to have Lifetime Annuity payout for you as well as a family member Flexibility to choose frequency of annuity payouts as per your requirements - Monthly, Quarterly, Half-yearly or Yearly Incentives of higher annuity rates for large premiums Flexibility to advance your Annuity payouts Return of premium or balance premium SBI Life - Accidental Death Benefit Rider

Protection plan SBI Life - Smart Shield

SBI Life - Smart Shield is a traditional non-participating pure term plan, which is a one stop solution that meets all your insurance needs. With Options and benefits specially tailored for those who want best financial protection at an affordable cost, this is the perfect plan from your preferred insurance provider. Now your family stays protected, even when you are not around.

Key Features: Establishes a solid foundation for a lifetime of financial security for your family. Rewards you for maintaining a healthy lifestyle. Wide variety of plan options to give you freedom from your liabilities. Large Sum Assured rebates. You can also customize your coverage by choosing from a wide range of additional benefits such as SBI Life - Accidental Death Benefit Rider, SBI Life - Accidental Total and Permanent Disability Benefit Rider and Accelerated Critical Illness cover option. Tax benefits* as per prevailing norms under the Income Tax Act, 1961. SBI Life - Saral Shield SBI Life - Saral Shield is a traditional non-participating pure term Insurance plan. At an affordable cost, SBI Life Saral Shield provides cover for your family and ensures that a proper safety net is created. Thus, it guarantees that there will be no compromise on your dreams and ambitions for your loved ones.

Key Features Hassle-free, convenient and easy issuance. Financial Security. Freedom from your liability by choice on one of the following plan options: Level Term Assurance; Decreasing Term Assurance (Loan Protection); Decreasing Term Assurance (Family Income Protection) Special premium discounts for women

 Large sum assured rebates. Enhance your protection by availing two riders-SBI Life- Accidental Death Benefit Rider and SBI Life- Accidental Total and Permanent Disability Rider. Tax benefits as per prevailing norms under the Income Tax Act, 1961*. SBI Life - eShield SBI Life - eShield is an Individual, Non Linked, Non Participating pure term plan, with options and benefits specially tailored for those who want the best financial protection at an affordable cost.

Key Features: Security for your family at an affordable premium. Easy and seamless online process for securing life cover. Rewards you for maintaining a healthy lifestyle. Wide variety of plan options, which has level and increasing cover. Additional benefit of Accidental Death Benefit. Tax benefits# u/s 80C and 10(10D) of Income Tax Law, 1961.

SBI Life - Grameen Bima The objective of this product is to provide life cover to the deprived sections of the society at affordable costs thereby aiding them tide over difficult times in case of an unforeseen event. SBI Life - Grameen Bima is an individual, pure term, micro-insurance plan for the socially deprived and economically vulnerable segments of the population.

Key Highlights : Choose your premium, correspondingly your life insurance cover will be determined.

 Prompt Processing & Enrolment No medical examination, acceptance would be based on satisfactory health declarations in the proposal form Registration based on a simple form Saving Plans SBI Life - Smart Money Back Gold SBI Life - Smart Money Back Gold is a savings plan with added advantage of life cover and cash inflow at regular intervals. It is a participating traditional money back insurance plan, meeting your various financial obligations at crucial junctures by its wide range of policy terms. Regular payments of Survival benefits are made at different durations during the policy term. In the unfortunate event of death at any time within the Policy Term, your nominee would receive the full Sum Assured plus Simple Reversionary Bonus & Terminal Bonus (if any), irrespective of Survival Benefits already paid.

Key Features: Money Back options specially tailored to suit your requirements Fixed cash inflows which can meet your various financial obligations Survival Benefit of 110% of Sum Assured paid till maturity Rebate on Large Sum Assured

SBI Life - Shubh Nivesh SBI Life - Shubh Nivesh is a non- linked, with profit Endowment Assurance product with an option of Whole Life coverage. The basic purpose is to provide Savings, Income and Insurance Cover to you and your family. Not only you can save regularly for your future but you also have the flexibility to receive the maturity amount as a lump sum or as a regular income for a chosen period, depending upon your needs.

Key Features: A savings plan with flexibility of availing whole life insurance as an add-on benefit Benefits including Wealth Creation,

Insurance cover and Regular flow of income Flexibility to choose between Single or Regular premium payment Additional rider benefits at an affordable cost Option to receive the Basic Sum Assured at regular intervals over a stipulated time period of 5/10/15/20 years Comprehensive risk coverage through 3 Riders: SBI Life - Preferred Term Rider (UIN:111B014V02) SBI Life Accidental Death Benefit Rider (UIN: 111B015V02) SBI Life Accidental Total & Permanent Disability Benefit Rider (UIN: 111B016V02) Tax benefits as per prevailing norms under the Income Tax Act, 1961

SBI Life - Saral Swadhan+ SBI Life - Saral Swadhan+ is an Individual, non-linked, non-participating, term assurance product with return of premium. This product gives you a fixed life cover throughout the policy term along with a guaranteed maturity benefit.

Key Features: Protection at affordable cost. Value for money. Easy enrollment through simplified proposal form.

SBI Life - Flexi Smart Plus

SBI Life - Flexi Smart Plus is Individual, Participating, Variable Insurance Product, which helps you in fulfilling your dreams. It also gives you flexibility to adapt to your ever-changing needs, while assuring guaranteed benefits to take care of your savings.

Key Features: Guaranteed Minimum Bonus Interest rate* Conditions apply A minimum bonus interest rate of 1.00% p.a. is guaranteed for the whole term. Interim bonus interest rate An Interim bonus interest rate will be declared at the beginning of each financial year which will apply to the policies exiting during the financial year. Regular Bonus Interest rate Regular Bonus interest rate will be declared at the end of every financial year. Terminal Bonus Interest rate Terminal bonus interest rate may be credited to your policy account at the time of exit on account of maturity, death or surrender. Your policy will be credited with the Regular Bonus interest rates and Terminal Bonus interest rate, if any. Regular bonus interest rate once declared becomes guaranteed for the policy account. Two Protection option available: Gold Option and Platinum Option Partial Withdrawal Partial withdrawals are allowed from the 6th policy year to cater to your liquidity needs. Flexibility to increase or decrease your chosen Sum assured Flexibility to increase your chosen policy term

OUR COMMITMENT U S Roy (MD & CEO)SBI Life Insurance Co. Ltd. Our company, with its unique brand and highly committed workforce, isdetermined to increase life insurance penetration and offer need-basedsolutions our citizens, enabling them to live life to the fullest.I invite you to explore the several possibilities available for being an integral part of this dream, of one of the fastest growing life insurance companies inthe country.For customers, SBI Life a company of State Bank Group which issynonymous with trust for more than 200 years presents security for youand your loved ones through its range of innovative life insurance solutions.With the backing of the largest distribution network in the country of over 14,500 bank branches of State Bank and nearly 200 full-service offices of the company, you are always close to your trusted life insurer.

For prospective business partners, by associating with one of the largestfinancial brands in the country, SBI Life gives you a lucrative businessopportunity to profit from serving millions of Indians. In terms of career opportunities, SBI Life presents its most valuable asset, its employees, awork environment which is a blend of security and excellence. We seek opportunities to give qualified minority suppliers a chance to succeed. It benefits SBI LIFE and our communities. U S Roy MD & CEO SBI LIFE Insurance Co. Ltd

Type

Joint Venture

Industry

Insurance

Founded

March 2001

[1]

Headquarters Mumbai, India

Key people

Mr. Atanu Sen, MD & CEO

Products

Life insurance Pensions

Owner(s)

SBI, BNP Paribas

Employees

7,334 on-roll employees and 96,000 agents

Website

Sbi Life