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Product Information
Saving And Investment Plans SBI Life - Smart Humsafar
SBI Life - Smart Humsafar is a Joint Life non-linked participating endowment plan. It provides you with multiple benefits of savings and insurance cover for both husband and wife, making it a perfect gift for you and your loved ones.


  • A Joint life insurance cum savings plan wherein you can take insurance cover for yourself and your spouse under a single policy.
  • Guaranteed (Conditions apply#) minimum bonus for first 3 years @ 2.50% of the Basic Sum Assured.
  • Provides financial protection in the event of death of either or both the lives assured. Pays a maturity amount on survival of one or both the lives assured at the end of the policy term.
  • Benefits also include premium waiver in case of death of any one of the lives assured for in force policies.
  • Additional rider benefit at an affordable cost
  • Tax benefits as per prevailing norms under the Income Tax Act, 1961.
Age at Entry Min.: 18 years
Max.: 46 years
Maximum Age at Maturity 65 years
Maximum Age Difference between the lives assured 20 years
Sum Assured Min: Rs. 100,000
Max: Rs. 5,00,00,000
Policy Term Min: 10 years
Max: 30 years
Premium Frequency Yearly / Half-yearly / Quarterly / Monthly
Premium Paying Term Same as policy term