SBI Lif S l PlSBI Life – Saral PlansI Products & Marketing I

Only for internal circulation

Presenting SBI Life – SARAL PLANS

Plans which are…….

S – SIMPLE – To Understand

Easy to understand Plansy

Presenting SBI Life – SARAL PLANS

Plans which are…….

A – AFFORDABLE – Premiums

Low Ticket size Products

Presenting SBI Life – SARAL PLANS

Plans which are…….

R – RELIABLE – From ‘SBI Life’ stable

Assurance of Both ‘SBI’ and ‘BNP Paribas’

Presenting SBI Life – SARAL PLANS

Plans which are…….

A – ACCEPTED EASILY – NO MEDICALS

Hassle-free PlansHassle free Plans

Presenting SBI Life – SARAL PLANS

Plans which are…….

L – Long Term – Investments

Takes care of your long term investmentsy g

S – SIMPLES SIMPLE

A – AFFORDABLE

R – RELIABLE

A – ACCEPTED EASILY

L – LONG TERM

‘Saral’ Choice….The Best Choice….Railway Booking – Hard way…

‘SARAL’ Way…..

‘Saral’ Choice….The Best Choice….Telephone Bill Payment – Hard wayTelephone Bill Payment Hard way…

‘SARAL’ Way…..y

Buying Insurance was never this Easy….

SBI Lif SARAL PlSBI Life – SARAL Plans

&

(UIN: 111L070V01)(UIN: 111L070V01)

Want to Secure your future??D U Aff d bl

yDo U want Affordable Insurance protection at Rs 2,000 p.m.??

Don’t Be Confused…

Increase your investments??Want to make your Olden Years

Increase your investments??y

look Golden??

Presenting Saral Maha Anand……

A One Stop Plan….for All your Insurance & Investment

Needs………

Added attraction of No Medical Tests requiredrequired

No Medicals!!!

Simple Joining Process………….

1. Just Fill in the Proposal Form

2. Pay your Premiums

3. Policy is Issued & Cover Starts

Hassle Free Plan – No Need to Undergo any Medicals……g y

Cover is granted based on the questions answered in the Proposal Form

Regular Savings!!!

The Plan is a Low Ticket Size Product – Thereby You don’t 

have commit a Huge amount every year………g y y

You can enjoy the ‘Power Of Compounding’  and advantages of ‘Rupee Cost Averaging ‘…..

Just follow these 3 Golden RulesJust follow these 3 Golden Rules

— Start Early

— Save RegularlySave Regularly

— Accumulate more

Fund Returns*….

Fund NameInception Date

Returns since 1 April 10 Return for 2 years Return Since Inception

Fund Benchmark Fund Benchmark Fund BenchmarkFund Name Date Fund Benchmark Fund  Benchmark Fund Benchmark

Equity 10‐Jan‐05 11.38% 11.14% 41.69% 38.96% 24.98% 18.94%

l d 0 0 6 0 % 8 0% 2 6 % 22 0% 3 03% 2%Balanced 05‐Dec‐05 6.07% 8.10% 21.65% 22.10% 13.03% 11.12%

Index 07‐Jan‐10 10.58% 11.14% ‐ ‐ 9.90% 8.73%

Bond 10‐Jan‐05 6.17% 5.06% 7.46% 5.24% 8.71% 5.52%

Returns that beat Inflation….Increasing Your Investment Component…..

* As on 31st March 2011 As on 31 March 2011Please Note:- Past Performance of the Fund(s) is not indicative of its future prospects or returns.

More Value for Money….

Get Rewarded with Regular Guaranteed Additions, paid at the end

of the 10th, 15th & 20th Year………

These Guaranteed Additions get Accumulated in your Fund Value,

leading to Stronger Earnings

Invest for the Long Term…For Better Returnsg

And also get rewarded for it.. through

‘Guaranteed Additions’

Additional Benefits…

Higher Fund Value, as there are 100% Allocations from 11th yearonwards

Invest according to your risk-return appetite, through 4 diverseFundsFunds

Customise the Product through Accidental Death Benefit Linked RiderRider

Flexibilities like Switching, Redirection, Partial Withdrawal and S ttl t O ti tSettlement Option present

As the Saying Goes in Hindi….As the Saying Goes in Hindi….

”Boondh Boondh Se Sagar Banta Hain”

Or as we say for Saral Maha Anand…

”Simple Steps Taken….Lead to a Wealth of Happiness”….pp

So don’t wait and start Investing NOW!!!So don t wait and start Investing NOW!!!

(UIN: 111N071V01)(UIN: 111N071V01)

SBI Life – Saral Life

We at SBI Life don’t want you to spend endless hours with agent visits,getting documentation, getting lengthy medical tests and approvals!

So, we have made it all Saral .., with …..

Saral Life – Simplicity of Life

Instant ProcessingMinimal Paperwork

Savings cum Protection No Medical & Financial gPlan

No Medical & Financial Underwriting

Saral Life - Insurance in 3 steps

Select the Sum Assured and Term of the Plan

Fill the Simple proposal form and  give the documents

Pay the Premium &get insured

Saral Life – Product Categorization

Hassle Free Insurance cover with out any Medical or Financial Underwriting

Key FeaturesUnderwriting

Enrollment based on Simplified Questionnaire and Good Health DeclarationDeclaration

Flexibility in Coverage – Sum Assured in an options of Rs.1 lakh / Rs.2 lakhs/ Rs.3 lakhs/ Rs.3 lakhs

Customized coverage period of 10/15/20/25 years, as per your requirement

Policy available on Standalone Basis, irrespective of any previous insurance taken from SBI Life Insurance Company

Instant Processing

At  a Glance

Entry AgeMin: 18  years & Max: 60 years 

Maturity AgeMax: 70 years 

Policy Term10/15/20 /25 years 

Sum Assured (in Rs.)1, 2 OR 3 Lacs

Premium (in Rs.)Based on Sum Assured

Premium ModesYearly / Half‐Yearly / Quarterly / Monthly (ECS & Standing Instruction)

Modal FactorMonthly 8 9% of annual premium / Quarterly 26 5% of annual premium

The first premium is required to be paid only through Direct Remittance (DD/cheque) / EFT (Electronic FundTransfer)

Monthly ‐ 8.9% of annual premium / Quarterly ‐ 26.5% of annual premiumHalf‐yearly ‐ 52.0% of annual premium  

F R l i h h h ll h il bl dFor Renewal premiums the customer can pay through all other available modes

Saral Life – Premium Illustration

Your age at last birthdayPolicy Term

10 Years 15 Years  20 Years 25 Years 

25Years 11,160  7,430  5,432  4,228

35 Years 11,198  7,493  5,524  4,356 

45 Years 11 352 7 712 5 816 4 73845 Years 11,352  7,712  5,816  4,738 

55 Years 11,769  8,279  NA NA

Saral Life – Key Benefits

NOTE:

Guaranteed Surrender Value (GSV) is 30% of premium paid, exclusive of 1st year premium or any extra paid

Special Surrender Value (SSV) will be communicated at the time of surrender request

Saral Life – Other Benefits

Saral Life - Returns

+ +

H S l S lliHappy Saral Selling

Only for internal circulation