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The Best Investment Plan for Young Couple... SMART HUMSAFAR In the journey of life, married couples are joint partners in their journey of success, progress and prosperity. Both have to join hands together to fulfill their dreams and goals. We at SBI Life value this partnership and present a unique Life Insurance with Saving Plan SBI Life - Smart Humsafar. Just like Humsafar of your life, the product complements your efforts to achieve prosperity along with protection. Your dream for every stage of your life, for yourself and for your family, could be varied - from buying a car, a house, for children’s education and marriage, a vacation or dream of a better life after retirement. To see that your dream for yourself and for your family is achieved, with or without you, you need to act now. SBI Life - Smart Humsafar is a Joint Life non-linked participating endowment plan. It provides you with multiple benefits of savings and insurance cover for both husband and wife, making it a perfect gift for you and your loved ones. Plan Highlights: • A Joint life insurance cum savings plan wherein you can take insurance cover for yourself and your spouse under a single policy. • Guaranteed (Conditions apply#) minimum bonus for first 3 years @ 2.50% of the Basic Sum Assured. • Provides financial protection in the event of death of either or both the lives assured. Pays a maturity amount on survival of one or both the lives assured at the end of the policy term. • Benefits also include premium waiver in case of death of any one of the lives assured for in force policies. • Additional rider benefit at an affordable cost • Tax benefits## as per prevailing norms under the Income Tax Act, 1961. Who can avail this plan? Age** at Entry Min.: 18 years Max.: 46 years Maximum Age** at Maturity 65^ years Maximum Age Difference between the lives assured 20 years Sum Assured Min: Rs. 100, 000 Max: Rs. 5, 00, 00, 000 Policy Term Min: 10 years Max: 30 years Premium Frequency Yearly / Half-yearly / Quarterly / Monthly### Premium Paying Term Same as policy term First death: • If your policy is in force as on the date of first death: Higher of A or B is paid to the surviving life assured. A Sum assured on death: Sum assured on death is higher of Basic Sum Assured or guaranteed sum assured at maturity* or a multiple of annualised premium (AP); where multiple is: Equivalent age at entry is less than 45 years 10 times AP Equivalent age at entry is 45 years or more 7 times AP B 105% of all the premiums paid under the base policy. *Basic sum assured is the guaranteed sum assured at maturity. • Further, all future premiums starting from the next policy anniversary will be waived off for the surviving life assured. Waiver of premium will take place only if the policy is in force for the full sum assured at the time of first death. • Second death: • If your policy is in force as on the date of second death: Higher of A or B is paid to the nominee. A Sum assured on death: Sum Assured on death + Vested Simple Reversionary Bonuses + Terminal bonus, if any. Sum assured on death is higher of Basic Sum Assured or guaranteed sum assured at maturity* or a multiple of annualised premium (AP); where multiple is: Equivalent age at entry is less than 45 years 10 times AP Equivalent age at entry is 45 years or more 7 times AP B 105% of all the premiums paid under the base policy. This would include premiums already waived under the policy, if any. *Basic sum assured is the guaranteed sum assured at maturity. Rider Benefit: Either of the lives assured or both lives assured have an option of availing SBI Life - Accidental Death Benefit Rider (UIN:111B015V02) at an affordable cost. The rider benefit will be payable in respect of each of the life assured. The rider cover is available only for in force policies and till the policy anniversary following first death. However, if both lives assured have chosen rider and i. both die simultaneously as a result of accident, or ii. die on different dates as a result of same accident , or iii. die during the same policy year as a result of different accident then rider benefit will be paid in respect of both lives assured, provided the accident happens within the policy term and the death due to accident happens within 120 days from the date of accident irrespective of expiry of policy term. The rider benefits can be taken up only at the inception of the policy. However, the benefits may be terminated by stopping the premium payment for the rider. The base policy may however be continued. For more details: Contact; Rammu Gopysetii whatsup number : +91 97000 15099 mobile Number : +91 98666 97899
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0 78.464829 Advice 6-3-609/53, G-1,Krupadevi Residency,Anandnagar Colony,Khairatabad, Hyderabad, India
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