SBI Life Smart Shield Premier

SBI Life Smart Shield Premier is an enhanced term insurance plan designed for individuals who want higher protection, greater flexibility, and premium-level coverage. It provides comprehensive financial security to your family in case of an unfortunate event during the policy term.

Unlike basic term plans, Smart Shield Premier is suitable for professionals, business owners, and high-income earners who need larger life cover amounts aligned with loans, lifestyle, and long-term family responsibilities.

As income and responsibilities increase, basic coverage may not be sufficient. Smart Shield Premier offers higher sum assured options and flexible policy structures, ensuring your family’s financial independence even in complex financial situations.

• High sum assured options for enhanced protection
• Flexible policy term and premium payment options
• Optional riders for accident and critical illness protection
• Choice of premium payment frequency
• Tax benefits as per prevailing income tax laws

Premiums under Smart Shield Premier depend on age, coverage amount, policy term, health profile, and lifestyle factors. Higher coverage amounts are available at competitive premiums for eligible customers.

In case of death during the policy term, the nominee receives ₹2 Crores as a lump sum. This helps in closing home loans, managing family expenses, and creating long-term financial stability.

This coverage ensures that business liabilities are cleared and the family does not face financial pressure or asset liquidation.

The payout protects children’s higher education and future life goals even in the policyholder’s absence.

SBI Life Smart Shield Premier is a pure protection plan. If the policyholder survives the policy term, no maturity benefit is paid. The focus remains on maximum protection at optimized cost.

SBI Life Smart Shield Premier is a powerful term insurance solution for individuals with higher responsibilities and income levels. It ensures financial security, protects assets, and provides peace of mind throughout life.