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Wealth Creation Plans That Help You Grow with Confidence
Designed to help you grow your wealth smartly and plan your future with clarity
Understanding ULIPs: A Thoughtful Plan for Future Security
A ULIP () is a thoughtful way to combine with , helping you plan your financial journey with confidence. With our s, a part of your premium supports your insurance cover while the rest is placed in market-linked funds for over time. These offer flexibility to switch between funds, transparency into how your money is managed, and the potential for long-term growth aligned with your goals.
Building Confidence with ULIP Plans
Our are built to help you move forward with clarity and purpose. They bring together potential growth and dependable , giving you the confidence to plan freely and the confidence to stay focused on building a secure future step by step.
Balance of Growth and Security
Our combine the reassurance of life cover with the potential for market-linked returns. They help you plan steadily while giving your savings room to grow.
Flexibility That Adapts to You
With the freedom to switch between funds, our Unit Linked Insurance Plans evolve with your goals. They enable a lifestyle which keeps you in control of your financial journey.
Clarity and Confidence in Every Step
Transparency is at the heart of our ULIP investment approach. You can easily track performance, understand fund movements, and plan for the future with a vision.
Explore ULIP Plans Designed Around You
Each of our Unit Linked Insurance Plans offers flexibility to grow with your goals and transparency to guide confident decisions. Whether you prefer to buy ULIP online or explore online ULIP plans in detail, we are here to help you plan with clarity and build lasting financial stability through every choice.
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eWealth Plus
A smart blend of insurance and wealth creation.
SBI Life - eWealth Plus provides twin benefits of life insurance coverage and wealth creation with market-linked growth in a transparent way. With an easy online application process, affordable premiums and no premium allocation charge, plan ahead for your loved ones with wealth that grows and lasts.
A smart blend of insurance and wealth creation.
SBI Life - eWealth Plus provides twin benefits of life insurance coverage and wealth creation with market-linked growth in a transparent way. With an easy online application process, affordable premiums and no premium allocation charge, plan ahead for your loved ones with wealth that grows and lasts.
Key Features
Annual Premium Range
₹36,000 onwards
Entry Age
5 years
Key Benefits
Easy online buying process
Choice of two investment strategies
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Smart Fortune Builder
Not just savings but savings that grow
SBI Life - Smart Fortune Builder is not just an insurance coverage, but also an investment - designed for your family’s steady progress. With guaranteed additions based on policy term, longer the term, higher the guaranteed addition, which takes the next step toward long-term financial confidence.
Not just savings but savings that grow
SBI Life - Smart Fortune Builder is not just an insurance coverage, but also an investment - designed for your family’s steady progress. With guaranteed additions based on policy term, longer the term, higher the guaranteed addition, which takes the next step toward long-term financial confidence.
Key Features
Annual Premium Range
₹40,000 to ₹2,50,000
Entry Age
2 years
Key Benefits
Guaranteed additions for enhanced long-term value
Multiple investment options for greater growth potential
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Smart Elite Plus
Market-linked planning for lifelong confidence.
SBI Life - Smart Elite Plus blends market-linked growth with nine diverse fund choices built for you and your loved ones along with protection from unforeseen circumstances. With added value from the sixth year onward, you can take charge of life today with confidence for the long-term.
Market-linked planning for lifelong confidence.
SBI Life - Smart Elite Plus blends market-linked growth with nine diverse fund choices built for you and your loved ones along with protection from unforeseen circumstances. With added value from the sixth year onward, you can take charge of life today with confidence for the long-term.
Key Features
Annual Premium Range
₹2,50,000 onwards
Entry Age
18 years
Key Benefits
Wide range of funds to suit your investment style
Choice of two protection options for added flexibility
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Smart Privilege Plus
An exclusively crafted premium wealth-creation ULIP. SBI Life - Smart Privilege Plus is designed individuals who want to grow wealth with complete freedom and flexibility. With access to 12 diverse funds, unlimited free switches, freedom to redirect your premiums, and life cover, this plan helps you build and preserve long-term financial strength, confidently
An exclusively crafted premium wealth-creation ULIP. SBI Life - Smart Privilege Plus is designed individuals who want to grow wealth with complete freedom and flexibility. With access to 12 diverse funds, unlimited free switches, freedom to redirect your premiums, and life cover, this plan helps you build and preserve long-term financial strength, confidently
Key Features
Annual Premium Range
₹6,00,000 onwards
Entry Age
8 years
Key Benefits
12 diverse funds to meet your investment requirement
Regular loyalty additions for enhanced value
Frequently Asked Questions
A ULIP () is a thoughtful and way to combine insurance and savings in one plan. It helps you and your loved ones stay financially secure while allowing your savings to grow steadily through market-linked returns.
When you invest in a ULIP, a part of your premium goes towards , and the rest is placed in equity, debt, or balanced funds of your choice. You can choose how to allocate your savings based on your future plans and comfort with risk and financial goals.
A is ideal if you want to create and build while staying secure under a . It suits those who value flexibility, and a disciplined approach to planning their financial future.
Yes. ULIPs are well suited for those new to financial planning who seek security along with growing their wealth in the long-term. You can begin with small amounts and learn how market-linked plans work overtime.
A offers two benefits with financial security and freedom through life cover and the opportunity to create wealth over time. It also provides flexibility, fund switch options, and tax-saving advantages under current laws.
Yes, with ULIPs, you can switch funds between equity debt, or hybrid options as your priorities or market conditions change. This flexibility helps you stay in control of your savings journey and expectations for the future.
ULIPs are designed to meet your life stage goals. Continuing your plan supports steady growth and keeps your life cover active through the period keeping you secure.
ULIPs are regulated by IRDAI, which ensures transparency and fairness. Their performance depends on the market, and the risks are borne by policyholders. However, the insurance component continues to provide you and your family with security and stability.
Yes, you can make from your ULIP after the mandatory five-year lock-in period. This supports important life needs while keeping your policy benefits intact.
You can choose from equity, debt, or balanced funds based on your comfort with risk. Over time, you can switch between them to suit changing goals or market trends.
Yes, ULIPs may be eligible for Income Tax benefits/exemptions as per the applicable Income Tax Laws in India, which are subject to change from time to time. You may consult Your tax advisor on applicable tax benefits
Traditional insurance plans focus mainly on security, while ULIPs offer a blend of insurance and long-term market linked returns. This helps you build better financial value over time.
Yes, you can track your fund perfomance of ULIP Plans via our SmartCare app. This is a convenient way giving you the ability to manage your plan easily.
A ULIP suits anyone who wishes to combine financial security with disciplined long-term savings for wealth creation. It suits people who value preparation and long-term planning for the future.
What to Consider Before Choosing a ULIP Plan
1.Savings Goals
Identify what you’re planning for, , , or your child’s future. A clear goal helps you choose the and that fits your timeline and comfort.
2. Fund Options and Risk Appetite
let you choose between equity, debt, or balanced funds. Select your mix based on how much market risk you’re comfortable taking and how steady you wish your returns to be.
3. Charges and Transparency
Every has charges like fund management or allocation fees. Look for a plan that offers clear details and transparent communication so you can track your plan comfortably with confidence.
4. Flexibility and Fund Switching
The give you the flexibility to switch funds as your own financial priorities evolve. This ensures your stays aligned with your changing goals and market conditions.
5. Performance and Consistency
Review how the have performed over time. Consistency and disciplined management are key indicators of a reliable that supports long-term financial stability and freedom.