iSecure Plan vs Smart Swadhan Supreme

Regular/Single Pay: minimum 10 years; Limited Pay: 7 PPT-12 PT, 10 PPT-15, 15 PPT-20, 20 PPT-25, 25 PPT-30 minimum; maximum lower of (64 years; 85 - Age at Entry)

RP: 10 to 30 years; LPPT-7 & 10: 15 to 30 years; LPPT-15: 20 to 30 years

No limits (subject to Board approved underwriting policy)

No Limit, subject to Board Approved Underwriting policy

Life Cover, Life Cover with Return of Premium

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Single Pay, Regular Pay, Limited Pay (7, 10, 15, 20 & 25 years); Single Pay, Yearly, Half-Yearly and Monthly

Regular Premium or Limited Premium Payment Term of 7, 10 or 15 years; Yearly, Half-Yearly and Monthly

Yes

Yes

Lump sum

Lumpsum

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SBI Life - Accident Benefit Rider (UIN 111B041V01), SBI Life - Waiver of Premium Rider (UIN 111B048V01)

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Optional SBI Life - Waiver of Premium Rider (UIN 111B048V01)

Healthy non-smoker male, age 30, Life Cover option, Sum Assured Rs 1 Cr, Policy Term 35 years, Premium Payment Term 25 years (limited pay; not the 30-year regular-pay profile). Tax inclusion not stated. Only sample rate given for age 30.

Brochure Illustration I: female (Miss Sharma), age 30, Sum Assured Rs 1,00,00,000, policy term 30 years, premium payment term 30 years, yearly, base policy instalment premium Rs 22,284 (Waiver of Premium Rider extra Rs 1,064). Smoker status not stated; brochure notes GST exemption for individual life policies w.e.f. 22 Sep 2025. NOTE: FEMALE profile; no male figure published.

FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)

FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)