Smart Swadhan Supreme

SBI Life Smart Swadhan Supreme is an advanced term insurance plan with Return of Premium (ROP), designed for individuals who want strong life protection along with the assurance of getting back their premiums at maturity. It provides enhanced flexibility and higher coverage options compared to basic ROP term plans.

This plan is suitable for salaried professionals, business owners, and family earners who want comprehensive protection during their earning years and a guaranteed premium refund if they survive the policy term.

While pure term plans offer low-cost protection, many individuals prefer a maturity benefit. Smart Swadhan Supreme balances both needs by offering life cover during the policy term and returning 100% of base premiums paid at maturity.

• Term insurance with Return of Premium at maturity
• Higher sum assured options
• Flexible policy term and premium payment choices
• Optional riders for enhanced protection
• Tax benefits as per prevailing income tax laws

Premiums under Smart Swadhan Supreme are higher than pure term insurance plans due to the guaranteed refund feature. However, they remain cost- effective compared to traditional savings or endowment plans offering similar life cover.

If death occurs during the policy term, the nominee receives ₹1 Crore. If the policyholder survives till maturity, all base premiums paid are refunded as a lump sum.

This ensures long-term family protection and a substantial maturity refund that can support retirement or major financial goals.

If the policyholder survives the entire policy term, SBI Life Smart Swadhan Supreme refunds 100% of the total base premiums paid (excluding taxes and rider premiums). This maturity amount is guaranteed and can be used for retirement planning, investments, or personal goals.

• Individuals seeking protection with guaranteed refund
• Family earners with long-term responsibilities
• Customers uncomfortable with pure term plans
• People preferring disciplined financial planning

SBI Life Smart Swadhan Supreme is a well-balanced solution for individuals who want life protection during their earning years and a guaranteed premium refund at maturity. It offers security, certainty, and peace of mind for both today and the future.