Your life goals deserve protection and smart planning. SBI Life – Saral Swadhan Supreme empowers you to safeguard your family’s future while ensuring that the total premiums you pay come back to you at maturity. It is designed for individuals who seek protection + savings, without complexity.
This plan offers a seamless issuance process, flexible premium payments, long-term security, and guaranteed returns — making it one of the most reliable life insurance choices for every Indian household.
Why Choose Saral Swadhan Supreme?
Key Features
- Protection: Life insurance cover with easy and quick issuance
- 100% Return of Premium: Get back your entire premium amount* at maturity
- Flexible Premium Options: Pay regularly or choose limited pay for 7, 10, or 15 years
- Wide Policy Term: Choose from 10 to 30 years as per your life goals
- Enhanced Safety Net: Add the Accident Benefit Rider for extra protection
- Tax Benefits: Enjoy deductions under the Income Tax Act, 1961 (as per prevailing laws)
Total Premiums Paid means all base premiums paid, excluding taxes and extra premium.
Plan Highlights
- SBI Life – Saral Swadhan Supreme
- Protection + Savings
- Guaranteed Return of Premium
- Long-Term Security for You & Your Family
Plan Features in Detail
1. Protection
Secure your family’s financial future with life cover, available with a hassle-free issuance process.
2. Convenience
Select a premium payment pattern that suits your finances:
- Regular Pay
- Limited Pay (7/10/15 years)
3. Flexibility
Customize your policy term between 10 to 30 years, ensuring your insurance aligns with your goals.
4. Maturity Benefit
On survival till the end of the policy term, receive 100% of the total premiums paid* as a lump sum.
5. Enhanced Protection with Rider
Add the SBI Life – Accident Benefit Rider (UIN: 111B041V01):
- Option A: Accidental Death Benefit
- Option B: Accidental Partial Permanent Disability Benefit
6. Tax Benefits
Eligible for tax deductions and exemptions as per prevailing Income Tax laws.
Advantages of Saral Swadhan Supreme
Security
Ensure your loved ones never struggle financially with guaranteed life coverage.
Reliability
Get assured return of 100% of total premiums paid at maturity.
Flexibility
Choose your policy term and premium frequency based on your income & goals.
Simplicity
A straightforward plan with easy issuance and clear benefits.
Tax Savings
Save more with eligible tax benefits every year.
Death Benefit
(For active/in-force policies)
In case of the unfortunate death of the Life Assured, the nominee receives the Sum Assured on Death, which is the highest of the following:
- Basic Sum Assured*
- 11 × Annualized Premium^
- 105% of Total Premiums Paid*
Basic Sum Assured: Chosen at the time of policy purchase
^Annualized Premium = Yearly premium excluding taxes, rider premiums & extra loadings
Maturity Benefit
If the Life Assured survives till the end of the policy term:
100% of the Total Premiums Paid* is paid as a lump sum.
Who can buy?
Disclaimer: This webpage provides general information about life insurance products, including SBI Life – Saral Swadhan Supreme. All benefits, features, terms, and conditions are subject to the official policy documents and regulatory guidelines. Tax benefits are as per the Income Tax Act, 1961, and may change from time to time. Please read the sales brochure and rider documents carefully before making a purchase decision. Consult your financial advisor or tax consultant for personalized advice.