In today’s fast-paced digital world, every financial decision—from shopping to payments—happens instantly. So why should securing your family’s financial future be any different?
Introducing SBI Life – eShield Insta, an Individual, Non-linked, Non-participating, Pure Risk/Savings Life Insurance Plan with Return of Premium. This plan is designed to offer comprehensive life protection with an extremely simple, fast, and digital buying experience, anytime, anywhere.
Whether you want pure term coverage or prefer assurance of getting back your premiums, eShield Insta gives you the flexibility to choose the perfect life insurance coverage for your needs.
Key Benefits of SBI Life – eShield Insta
Affordable Life Insurance
Get extensive life insurance coverage during your earning years at a cost that fits your budget.
Two Plan Options
Choose the plan that best matches your life goals:
- Plan A: Pure Term Insurance – Protection-only plan with no maturity benefit.
- Plan B: Term Insurance with Return of Premium (TROP) – Get 100% of Total Premiums Paid back if you survive till maturity.
Total Premium Return (Plan B)
On surviving the policy term, 100% of Total Premiums Paid^ (excluding taxes and extra charges) is returned to you as maturity benefit.
Hassle-Free Digital Issuance
Instant, smooth, and fully digital purchase process—no lengthy paperwork or waiting time.
Convenient Premium Payment
Pay regularly for a fixed period of 10 years and stay insured for the entire policy term.
Save Tax*
Avail tax benefits as per the prevailing laws under the Income Tax Act, 1961.
Highlights
- Protection Plan
- Term Insurance with/without Return of Premium
- Digital-first purchase
- SBI Life trusted reliability
Features at a Glance
1. Customize Your Protection
- Plan A – Pure Term Insurance
Offers comprehensive life cover without any maturity benefit. - Plan B – Return of Premium (ROP)
Provides life cover + 100% premium return upon survival.
2. Affordable Premiums
High-value coverage with pocket-friendly premium options.
3. 10-Year Premium Payment Term
Enjoy long-term protection with short-term payment commitment.
4. Benefit from Assurance & Simplicity
- Easy policy enrollment
- Swift issuance
- Zero paperwork
Advantages of SBI Life – eShield Insta
Security
Safeguard your loved ones with a reliable life insurance cover.
Reliability
In Plan B, get back 100% of your Total Premiums Paid^ at maturity*.
Simplicity
Fast, simple, and all-digital onboarding process.
Tax Benefits
Get eligible tax deductions and benefits as per prevailing income tax rules.
Plan Benefits
1. Maturity Benefit (For In-force Policies)
Plan A – Pure Term Insurance
No maturity benefit is available under this plan.
Plan B – Term Insurance with Return of Premium
If the Life Assured survives till the end of the Policy Term and all premiums are paid, 100% of Total Premiums Paid^ is returned.
2. Death Benefit (For In-force Policies)
Upon the unfortunate death of the Life Assured during the policy term, the Sum Assured on Death is paid to the nominee.
Sum Assured on Death is the highest of the following:
- The Sum Assured
- 11 × Annualized Premium$
- 105% of Total Premiums Paid^ till the date of death
The policy terminates after the death benefit is paid.
Why SBI Life – eShield Insta?
- Backed by SBI Life’s trust and financial strength
- Flexible plan choices for every type of insurance need
- Perfect for young earners, salaried individuals, business owners & family protectors
- Ideal for those looking for value + protection through Term Insurance with Return of Premium
Take the First Step Towards a Secured Future
Protect your family today with SBI Life – eShield Insta
- Get instant digital policy
- Choose the right coverage
- Ensure lifelong peace of mind
Who can buy?
Disclaimer: This page provides only a summary of the key features of SBI Life – eShield Insta, an Individual, Non-linked, Non-participating Pure Risk/Savings Life Insurance Plan. Benefits, terms, conditions, and exclusions apply as per the official policy and sales brochure.
^Total Premium Paid refers to all premiums paid excluding taxes, extra premiums, and applicable charges.
*Tax benefits are subject to prevailing Income Tax laws and may change. Consult your tax advisor for accurate guidance.
SBI Life reserves the right to modify or update plan features as per regulatory norms.