Premium Injection
eWealth / Smart Privilege
Allocation: 100%
Mortality Charges
Securing Risk
Deducted Monthly
Market Growth
SBI Equity Fund
Historical 9% CAGR
AAA Auto-Rebalancing
Shift to Debt as maturity nears
Volatility Protection
SBI LIFE ARCHITECTURE
The Wealth Engine: Smart Privilege & eWealth Plus
The power of ULIPs lies in the dual benefit of market-linked growth and life cover, coupled with the Automatic Asset Allocation (AAA) rule. As maturity approaches, capital is systematically moved from high-risk equity to stable debt, locking in compounding gains and shielding the corpus from sudden market crashes.
0%
Premium Allocation Charge
On eWealth Plus, 100% of your premium goes into the market.
10(10D)
Tax Free Returns
If premium is under ₹2.5L per year, maturity is 100% tax free.
FMC
Fund Management
Capped at strictly 1.35% p.a. for maximum client wealth retention.
SBI Equity Fund Historical 9% CAGR Simulation
The chart below demonstrates compounding interest dynamics. Time in the market always beats timing the market.
Real-World Marketing Hooks
SBI Life
Smart Fortune Builder
"7 years payment | 15 years Plan Term"
- 15% Returns BLUE CHIP Fund NFO
- Pay 50,000 to 2,50,000 yearly for 7 years
Detailed Cashflow Scenarios
SBI Life
Age: Not specifiedSBI Life Smart Fortune Builder
Premium₹50,000 to 2,50,000
Term7 years payment, 15 years Plan Term
Est. Maturity₹Up to 97,32,907 at 15% returns for 2.5L premium
SBI Life
Age: Not specifiedSBI Life Smart Privilege
Premium₹6,00,000
TermPay 4 years
Est. Maturity₹8,19,94,676
SBI Life
Age: 2 Yrs to 55 YrsSBI Life Smart Fortune Builder
Premium₹50,000
Term20
Est. Maturity₹15,37,267.06
SBI Life
Age: Not SpecifiedSBI Life Smart Fortune Builder
Premium₹2,50,000
Term30
Est. Maturity₹3,84,46,841
SBI Life
SMART FORTUNE BUILDER
Premium₹1,00,000
Term30
Est. Maturity₹1,53,13,736
SBI Life
Smart Privilege
Premium₹6,00,000
Term30
Est. Maturity₹7,98,37,560