Riya Insurance Agency Mumbai, Maharashtra

A savings plan with flexibility of availing whole life insurance as an add-on benefit • Benefits including Wealth Creation, Insurance cover and Regular flow of income • Flexibility to choose between Single or Regular premium payment • Additional rider benefits at an affordable cost • Option to receive the Basic Sum Assured at regular intervals over a stipulated time period of 5101520 years • Comprehensive risk coverage through 3 Riders: ◦ SBI Life - Preferred Term Rider ◦ SBI Life - Accidental Death Benefit Rider ◦ ’SBI Life - Accidental Total & Permanent Disability Benefit Rider • Tax benefits as per prevailing norms under the Income Tax Act, 1961

• Protection at affordable cost. • Value for money. • Easy enrollment through simplified proposal form.

• Guaranteed Bonus: Guaranteed simple reversionary Bonuses for first 5 years; @ 2.50% for first three years and @2.75% for the next two years, of the Sum Assured. Guaranteed bonus will be applicable only to in-force policies. • Vesting (Maturity) benefit: Sum Assured plus vested simple reversionary bonuses plus terminal bonus, if any. The sum assured carries an implicit guaranteed interest rate of at least 0.25% p.a. compounding annually on the total premiums. • Death Benefit: Higher of total premiums paid accumulated at an interest rate of 0.25% p.a. compounded annually plus vested reversionary bonus plus terminal bonuses, if any or 105% of total premiums paid. • Life Cover: Option of additional life cover through SBI Life - Preferred Term Rider (UIN: 111B014V02). • On Vesting, you can buy immediate annuity from your entire proceeds or commute upto one-third of the policy proceeds and buy annuity with the rest. • Flexibility: You can defer the vesting date upto age of 70 years or extend the accumulation deferment* period of your policy * If age at vesting is below 55 years.

• Your Fund Value is boosted, through guaranteed additions of up-to 210%* of Annual Premium (Conditions Apply) • Guaranteed Additions of 10% of Annual Premium are paid regularly, starting from the end of 15th policy year and at the end of every year thereafter till the end of policy term. • Get Terminal Additions of 1.5% of Fund Value, at maturityvesting or on earlier death. • No need to worry about your investments, as the same is managed on your behalf by SBI Life through ‘Advantage Plan’. This plan guarantees a minimum of 101% of all premiums paid at maturityvesting. • Get a Guarantee of minimum 105% of all premiums paid on earlier death. • Option to pay premiums regularly or for a limited period.