SBI Life E-Shield Next

SBI Life e-Shield Next is a modern, digital term insurance plan designed for individuals who want flexible, long-term life protection with the convenience of online management. It provides strong financial security to your family while allowing you to adapt coverage as your life changes.

This plan is especially suitable for young professionals and digitally comfortable individuals who prefer transparent online processes, flexible options, and scalable protection.

Life responsibilities evolve over time. e-Shield Next allows policyholders to choose from different coverage structures, ensuring protection remains relevant throughout different life stages.

• Choice of Level, Increasing, or Decreasing life cover
• Long-term policy coverage
• Digital-first policy issuance and management
• Optional riders for enhanced protection
• Tax benefits as per prevailing income tax laws

e-Shield Next offers multiple coverage options to suit different financial needs at various stages of life:

• Level Cover: Fixed sum assured throughout the policy term
• Increasing Cover: Coverage increases periodically to match growing responsibilities
• Decreasing Cover: Ideal for loan protection as coverage reduces over time

Premium depends on age, chosen coverage type, sum assured, policy term, and health profile. Starting early keeps premiums affordable.

As income and responsibilities grow, the coverage increases automatically, ensuring adequate protection without purchasing a new policy.

This option aligns coverage with the reducing home loan balance, ensuring loan closure without burdening the family.

SBI Life e-Shield Next is a pure term insurance plan. If the policyholder survives the policy term, no maturity benefit is payable. The plan focuses on flexible protection rather than returns.

SBI Life e-Shield Next combines strong protection with digital convenience and flexibility. It is a future-ready term insurance plan for individuals who want control, transparency, and long-term financial security for their family.