Retire Smart Plus

SBI Life Retire Smart Plus is a ULIP-based retirement and pension plan designed to help you build a strong retirement corpus through market-linked investments while providing life insurance protection. It ensures financial independence and dignity during your post- retirement years.

This plan is ideal for salaried individuals, professionals, and self-employed persons who want to create a retirement fund with long-term growth potential and flexibility in investment choices.

Retirement planning is no longer optional. With increasing life expectancy and rising medical costs, Retire Smart Plus allows your money to grow over time while offering structured retirement benefits and pension options.

• Market-linked retirement corpus through ULIP structure
• Life insurance cover during accumulation phase
• Choice of multiple investment funds
• Option to withdraw lump sum and purchase annuity at retirement
• Tax benefits as per prevailing income tax laws

Premiums paid are invested in selected ULIP funds such as equity, debt, or balanced funds. Over the accumulation phase, your fund grows based on market performance. At retirement, you can withdraw a portion as lump sum and use the remaining amount to purchase an annuity for regular pension income.

With disciplined long-term investing, this plan can help generate a substantial retirement corpus to support monthly pension and lifestyle needs after retirement.

• Individuals planning early retirement
• Salaried employees without pension benefits
• Self-employed professionals and business owners
• Long-term investors comfortable with market-linked plans

SBI Life Retire Smart Plus is a flexible and future-ready retirement solution that helps you build a strong pension corpus while protecting your family. It empowers you to retire with confidence, financial independence, and peace of mind.