Introduction: Sudarshan is an Endowment Policy designed to provide savings and protection to you and your family. You can save regularly for the future. Thus at the end of the plan, you will receive a substantial amount of savings along with the accumulated bonuses declared. At the same time, your family will be protected for death risk for the full Sum Assured. Key Features: It offers you the option of tailoring your policy according to your requirement and needs, by opting for various extra covers (Riders) that are offered. This is a unique product that offers you an innovative cover (plan B) which helps you to protect your savings against 'the financial consequences of inflation' with constant premium for the entire duration of the plan. It gives you protection against unfortunate terminal or dreaded illness. It is an insurance plan which could also act as a hedging instrument. With this plan you can plan your children's future education, marriage expenses or even your own retirement - in a most flexible manner. Product type: It is a traditional endowment plan i.e. saving - cum protection product. How does it work? Sudarshan has two basic plans. Fixed Sum Assured Plan: Allows you to build a regular saving plan that gives you a secure amount at the end of a fixed period plus a bonus. In the unfortunate event of death before maturity, the nominee would stand to receive the Sum assured and the bonus accrued till that date. Increasing Sum Assured Plan - the COLA Option: The Cost Of Living Adjustment (COLA) option is so called because it serves as an automatic hedge against inflation. It allows you to increase the Sum Assured automatically by paying an additional premium compared to the Fixed Sum Assured Plan. Moreover, the life cover also automatically increases during the period as added protection to the family. Benefits Maturity Benefit: Depending upon the plan option chosen: Fixed Sum Assured (Plan A) Basic Sum Assured along with Vested Bonus* is payable Increasing Sum Assured (Plan B) Increased Sum Assured @ 5% p.a along with Vested Bonus* is payable Death Benefit: In the unfortunate event of death of the Life Assured, depending upon the plan option chosen: Fixed Sum Assured (Plan A) The Sum Assured along with Vested Bonus * is payable to your nominee. Increasing Sum Assured (Plan B) Increased Sum Assured @ 5% p.a along with Vested Bonus* is payable to your nominee. Other Benefits:If the extra cover (riders) have been opted for, the following additional benefits are payable: Term Assurance Cover benefit: - The Term Assurance cover is payable in addition to normal death benefit. Accidental Death and Accidental Total Permanent Disability Cover Benefit: - In case death due to an accident: The rider Sum Assured is payable in addition to normal Life cover. In case of Total Permanent Disability due to an accident: Two benefits are payable: 1) Immediate Payment : Depending upon the plan chosen: Fixed Sum Assured (Plan A) Flat Sum Assured + Vested Bonus OR Increasing Sum Assured (Plan B) Increased Sum Assured @ 5% p.a (every completed year) + Vested Bonus 2) Yearly Instalment Payment: Accidental Death and Accidental Total Permanent Disability Cover amount is payable in 10 installments till maturity / death. At maturity/death, the remaining installments are payable in a lumpsum to you/your nominee. Policy ends immediately. Criticall Illness cover On diagnosis of any of the 6 critical illnesses and you survive for more than 30 days, the Critical Illness Cover Sum Assured is paid in a lump sum. No more claims will be admitted under this cover. Sudarshan policy remains in force for all the other benefits Tax Benefits SBI Life Sudarshan enjoys Tax benefit u/s 80 C and 10 (10 D) of IT Act* Premiums paid for Critical Illness Benefit qualify for tax exemption under Sec 80D* Riders available Critical Illness Rider Term Assurance Rider Accident Cover Rider For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

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