SBI Life – Smart Fortune Builder

Build Wealth. Secure Your Family. Achieve Your Financial Goals.

SBI Life – Smart Fortune Builder is an Individual, Unit Linked, Non-Participating Life Insurance Savings Plan (ULIP) that combines market-linked wealth creation with life insurance protection. It is designed to help you achieve long-term financial goals such as your child's education, retirement planning, wealth accumulation, or purchasing your dream home, while ensuring financial security for your loved ones.

Key Highlights

• Market-linked wealth creation with life insurance protection
• Choice of 12 investment fund options
• Guaranteed Additions based on the policy term
• Guaranteed Addition at maturity
• Flexible premium payment options
• Life cover throughout the policy term
• Partial withdrawal facility from the 6th policy year
• Fund switching option to match changing investment goals
• Tax benefits as per prevailing Income Tax laws
• Optional rider benefits for enhanced protection

Why Choose SBI Life – Smart Fortune Builder?

Wealth Creation

Grow your savings through professionally managed market-linked funds aligned with your financial goals and risk appetite.

Financial Protection

Provides life insurance coverage throughout the policy term, ensuring your family's financial security.

Guaranteed Additions

Receive guaranteed additions based on the policy term, helping boost your long-term savings.

Flexible Investment Choices

Select from multiple fund options and switch between funds as your financial goals and market conditions change.

Long-Term Financial Planning

An ideal solution for major life goals such as:

• Child's Higher Education
• Marriage Planning
• Retirement Corpus
• Wealth Creation
• Dream Home
• Financial Legacy

Plan Features

• Individual Unit Linked Insurance Plan (ULIP)
• 12 diversified investment funds
• Guaranteed additions during the policy term
• Guaranteed maturity addition
• Fund switching facility
• Partial withdrawals from the 6th policy year (subject to policy terms)
• Premium redirection facility
• Settlement option at maturity
• Flexible premium payment modes
• Life insurance coverage during the policy term

Death Benefit

In case of the unfortunate demise of the Life Assured during the policy term, the nominee receives the highest of:

• Fund Value
• Sum Assured (after applicable adjustments)
• 105% of the Total Premiums Paid

(subject to policy terms and conditions).

Maturity Benefit

If the Life Assured survives until the end of the policy term, the Fund Value along with applicable guaranteed additions, if any, is payable as the maturity benefit according to the policy provisions.

Investment Options

Choose from 12 professionally managed funds based on your investment objectives and risk profile.

Suitable for:

• Conservative Investors
• Moderate Investors
• Aggressive Investors
• Long-term Wealth Creators

Partial Withdrawal Facility

To meet unforeseen financial needs, partial withdrawals are available after completion of the mandatory lock-in period (from the 6th policy year), subject to policy conditions.

Optional Rider Benefits

Enhance your protection with optional riders such as:

• Accidental Benefit Rider (Linked)
• Other riders as offered by SBI Life from time to time

(Rider availability is subject to product terms and eligibility.)

Who Should Buy This Plan?

This plan is suitable for:

• Young Professionals
• Salaried Employees
• Business Owners
• Parents Planning for Children's Future
• Individuals Planning Retirement
• Long-Term Investors
• People Seeking Insurance with Wealth Creation

Benefits at a Glance

Documents Required

• Aadhaar Card
• PAN Card
• Address Proof
• Identity Proof
• Income Proof (if applicable)
• Passport-size Photograph
• Medical Reports (if required)

Why Buy Through Us?

• Personalized financial planning
• Expert investment guidance
• Hassle-free documentation
• End-to-end policy assistance
• Lifetime servicing support
• Dedicated claim assistance