{"uin":"111N176V01","name":"SBI Life - Smart Money Back Saver","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01","insurer":{"slug":"sbi-life-insurance","name":"SBI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"SBI Life - Smart Money Back Saver is an individual, non-linked, participating life insurance savings product with regular premium payment and a policy term of 20 to 25 years. It pays survival benefits totalling 130% of Sum Assured over the term and the death benefit is the higher of Sum Assured on Death with bonuses or 105% of total premiums paid.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:58:56.287153+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"20 to 25 Years.","display":"20 to 25 Years","note":null,"quote":"Policy term of 20 to 25 years to suit long-term financial goals. ... Term & Policy Term Regular Premium 20 to 25 Years (Same as policy term)","sources":[{"clause":null,"heading":"Life Insurance cover throughout the policy term","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-life-insurance-cover-throughout-the-policy-term"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":"The CIS points to a link for the claim form and list of documents, but does not list the documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The CIS points to SBI Life's Turn Around Times PDF, but does not print the claim settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["In case of death due to suicide, within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, death benefit will not be payable."],"display":"Suicide within 12 months: death benefit not payable; nominee or beneficiary gets 80% of Total Premiums Paid or Surrender Value, whichever is higher, if policy is in force.","note":null,"quote":"In case of death due to suicide, within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, death benefit will not be payable and the nominee or beneficiary of the policyholder shall be entitled to 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the policy is in force.","sources":[{"clause":null,"heading":"Suicide Exclusion","page":29,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-suicide-exclusion"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Approach SBI Life through its grievance touch points first, including the toll-free number, NRI helpline, email, senior citizen email, digital grievance form or any office.","display":"First approach SBI Life through toll-free 1800 267 9090, NRI helpline +91-22 6928 9090, wecare@sbilife.co.in, senior citizen email, digital grievance form or any office.","note":null,"quote":"You can approach us through below touch points.\n• Toll-free number: 1800 267 9090 (Customer Service Timing: 24X7)\n• NRI Helpline Number: +91-22 6928 9090 (Customer Service Timing: 24 X 7)\n• By sending email on wecare@sbilife.co.in.\n• Senior Citizens can also write to Us on wecare.seniorcitizen@sbilife.co.in\n• Submit your grievance through digital form available on website / Customer Service App (Smart Care). You may approach any of our office.","sources":[{"clause":null,"heading":"Grievance Redressal","page":32,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-grievance-redressal"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Minimum Sum Assured is `3,00,000; maximum is no limit, subject to the Board Approved Underwriting Policy.","display":"Minimum `3,00,000; maximum no limit, subject to Board Approved Underwriting Policy","note":null,"quote":"Sum Assured Minimum: `3,00,000 | Maximum: No limit; subject to Board Approved Underwriting Policy.","sources":[{"clause":null,"heading":"Life Insurance cover throughout the policy term","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-life-insurance-cover-throughout-the-policy-term"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"On death during the policy term while the policy is in-force, the death benefit is paid as a lump sum and is the higher of Sum Assured on Death plus vested reversionary bonuses, if declared, plus terminal bonus, if any, or 105% of total premiums paid up to death. Sum Assured on Death is the higher of Sum Assured or 11 times annualized premium, and the death benefit is payable irrespective of survival benefits already paid.","display":"Higher of Sum Assured on Death plus vested reversionary bonuses and terminal bonus, or 105% of total premiums paid; Sum Assured on Death is higher of Sum Assured or 11 times annualized premium","note":null,"quote":"In the unfortunate event of death of Life Assured during the policy term, provided the policy is in-force, Death Benefit is payable as lump sum, which is higher of the following:\n• Sum Assured on Death plus Vested Reversionary Bonuses, if declared plus Terminal Bonus, if any. ##\n• 105% of the Total Premiums Paid up to the date of death $ where Sum Assured on Death is higher of Sum Assured or 11 times of Annualized Premium*** Death Benefit mentioned above is payable irrespective of Survival Benefits already paid, if any.","sources":[{"clause":null,"heading":"Benefits","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-benefits"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival to the end of the policy term while the policy is in force, Sum Assured on Maturity plus vested reversionary bonus, if declared, plus terminal bonus, if any, is payable as a lump sum. Sum Assured on Maturity is the last survival benefit instalment, equal to 45% of Sum Assured.","display":"Sum Assured on Maturity plus vested reversionary bonus, if declared, plus terminal bonus, if any; Sum Assured on Maturity is 45% of Sum Assured","note":null,"quote":"On survival of Life Assured till the end of the policy term, provided the policy is in force, Sum Assured on Maturity plus Vested Reversionary Bonus if declared, plus Terminal Bonus, if any, is payable as a lumpsum. Where Sum Assured on maturity is the last survival benefit instalment which is equal to 45% of Sum Assured","sources":[{"clause":null,"heading":"Survival Benefit Instalment as a Percentage of Sum Assured","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-survival-benefit-instalment-as-a-percentage-of-s"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Regular premium; premium payment term is the same as the policy term, 20 to 25 years.","display":"Regular Premium, same as policy term; 20 to 25 Years","note":null,"quote":"This is a Regular Premium product, where the premium payment term is same as policy term ... Term & Policy Term Regular Premium 20 to 25 Years (Same as policy term)","sources":[{"clause":null,"heading":"Empower your Future with Smart Financial Planning","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-empower-your-future-with-smart-financial-plannin"},{"clause":null,"heading":"Life Insurance cover throughout the policy term","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-life-insurance-cover-throughout-the-policy-term"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum age at maturity is 70 Years.","display":"Maximum 70 Years","note":null,"quote":"Age at Maturity Minimum: (age last birthday) 20 Years | Maximum: 70 Years","sources":[{"clause":null,"heading":"Life Insurance cover throughout the policy term","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-life-insurance-cover-throughout-the-policy-term"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death due to suicide occurs within 12 months from commencement of risk or revival, as applicable, death benefit is not payable. The nominee or beneficiary is entitled to 80% of total premiums paid till death or the surrender value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: 80% of Total Premiums Paid or Surrender Value, whichever is higher, if policy is in force","note":null,"quote":"In case of death due to suicide, within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, death benefit will not be payable and the nominee or beneficiary of the policyholder shall be entitled to 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the policy is in force.","sources":[{"clause":null,"heading":"Suicide Exclusion","page":29,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-suicide-exclusion"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be surrendered any time during the policy term provided one full year's premiums has been paid. On surrender, the policy terminates and the surrender value is higher of Guaranteed Surrender Value and Special Surrender Value; GSV is acquired only if at least two consecutive years' premiums have been paid.","display":"Surrender after one full year's premiums; higher of GSV and SSV; GSV only after at least two consecutive years' premiums","note":null,"quote":"The policyholder can surrender the policy at any time during the policy term provided one full year's premiums has been paid. On payment of surrender value, policy will be terminated. The surrender value payable will be higher of Guaranteed Surrender value (GSV) and Special Surrender Value (SSV). The policy acquires Guaranteed Surrender Value (GSV) only if at least two consecutive years' premiums have been paid.","sources":[{"clause":null,"heading":"Scenario 3","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-scenario-3-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"After completion of the first policy year, the policy acquires paid-up value if at least the first full policy year's premium has been paid and later premiums are not paid. No further reversionary bonus vests, but already vested reversionary bonuses, if declared, remain attached.","display":"Paid-up after first policy year if at least first full policy year's premiums has been paid","note":null,"quote":"After completion of first policy year, the policy acquires Paid-Up value, if at least first full policy year's premium(s) has been paid, and any subsequent premiums have not been paid. Once the policy becomes Paid-up, no further reversionary bonus will get vested as the Policy shall not be entitled to participate in future profits. However, the already vested reversionary bonuses, if declared shall remain attached to the Paid-up policy.","sources":[{"clause":null,"heading":"Scenario 3","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-scenario-3-2"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"If premiums are not paid within the grace period and the policy is not surrendered, the policy may be revived for full benefits within five consecutive complete years from the date of the first unpaid premium, before maturity and while the life assured is alive, subject to application, insurability and payment of overdue premiums with interest.","display":"Within five consecutive complete years from the date of the first unpaid premium","note":null,"quote":"If premiums are not paid within the grace period and the policy is not surrendered, the policy may be revived for full benefits within five consecutive complete years from the date of the first unpaid premium but before the date of maturity while the Life Assured is still alive. The revival will be considered on receipt of written application from the policyholder along with the proof of continued insurability of Life Assured and on payment of all overdue premiums with interest.","sources":[{"clause":null,"heading":"Revival","page":30,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-revival"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Policy loan is available during the policy term once the policy has acquired surrender value. The loan will not exceed 50% of the surrender value, and unpaid loan with interest is recovered from policy benefits.","display":"Available after the policy has acquired Surrender Value; maximum 50% of Surrender Value","note":null,"quote":"In case of financial emergencies, Policy Loan can be availed during the policy term provided the policy has acquired the Surrender Value. Policy Loan will not exceed 50% of the Surrender Value. ... The unpaid loan, if any along with outstanding interest due shall be recovered from the benefits payable under the Policy, at the time of any payment made under the Policy.","sources":[{"clause":null,"heading":"Terms and Conditions","page":27,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-terms-and-conditions"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["SBI Life - Accident Benefit Rider: (UIN: 111B041V01)","SBI Life – Waiver of Premium Rider (UIN: 111B048V01)"],"display":"SBI Life - Accident Benefit Rider (ADB or APPD) and SBI Life – Waiver of Premium Rider","note":null,"quote":"Riders | SBI Life - Accident Benefit Rider: (UIN: 111B041V01)\nOption A: Accidental Death Benefit (ADB) Option B: Accidental Partial Permanent Disability Benefit (APPD) ... SBI Life – Waiver of Premium Rider (UIN: 111B048V01)","sources":[{"clause":null,"heading":"Life Insurance cover throughout the policy term","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-life-insurance-cover-throughout-the-policy-term"},{"clause":null,"heading":"SBI Life – Waiver of Premium Rider (UIN: 111B048V01)","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-sbi-life-waiver-of-premium-rider-uin-111b048v01"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after three years from the date of the policy. Within three years, it may be questioned for fraud or for incorrect statement or suppression of a material fact, with the grounds and materials communicated in writing.","display":"No policy can be called in question after three years; within three years only for fraud or material misstatement or suppression","note":null,"quote":"No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy. A policy of life insurance may be called in question at any time within three years from the date of the policy, on the ground of fraud or on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued. The insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured, the grounds and materials on which such decision is based.","sources":[{"clause":null,"heading":"Extract of Section 45, as amended from time to time","page":33,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-extract-of-section-45-as-amended-from-time-to-ti"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"You may be eligible for income tax benefits or exemptions as per applicable income tax laws in India, subject to change; the document says to consult a tax advisor.","display":"Income Tax benefits/exemptions may be available as per applicable income tax laws, subject to change","note":null,"quote":"You 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 visit our website for further details. Please consult your tax advisor for details.","sources":[{"clause":null,"heading":"Tax Benefits","page":31,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-tax-benefits"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from the date of receipt of the policy document","note":null,"quote":"The policy holder has a free look period of 30 days beginning from the date of the receipt of the policy document, whether received electronically or otherwise, to review the terms and conditions of the policy.","sources":[{"clause":null,"heading":"Free Look Period","page":31,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for yearly and half-yearly premiums; 15 days for monthly premiums","note":"The duration value is the grace period for yearly and half-yearly premiums; monthly premiums have a 15 day grace period.","quote":"A grace period of 30 days from the premium due date will be allowed for payment of yearly and half-yearly premiums and 15 days for monthly premiums. The policy will remain in-force during the grace period.","sources":[{"clause":null,"heading":"Grace Period","page":29,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-grace-period"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 30 Days and maximum entry age is 45 Years, age last birthday.","display":"Minimum 30 Days; maximum 45 Years","note":null,"quote":"Age at Entry Minimum: (age last birthday) 30 Days# | Maximum: 45 Years","sources":[{"clause":null,"heading":"Life Insurance cover throughout the policy term","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-life-insurance-cover-throughout-the-policy-term"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Yearly","Half –Yearly","Monthly"],"display":"Yearly / Half –Yearly / Monthly","note":null,"quote":"Premium Frequency Yearly / Half –Yearly / Monthly","sources":[{"clause":null,"heading":"Life Insurance cover throughout the policy term","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-life-insurance-cover-throughout-the-policy-term"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Regular Premium"],"display":"Regular Premium","note":null,"quote":"This is a Regular Premium product, where the premium payment term is same as policy term","sources":[{"clause":null,"heading":"Empower your Future with Smart Financial Planning","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-empower-your-future-with-smart-financial-plannin"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"quote-verified","value":"The plan provides total survival benefits of 130% of Sum Assured through increasing payouts of 10%, 15%, 25%, 35% of Sum Assured and a final payout at maturity of 45% of Sum Assured. Bonuses are payable only if declared or if any.","display":"Total survival benefits 130% of Sum Assured: 10%, 15%, 25%, 35% and final maturity payout 45% of Sum Assured; bonuses if declared or if any","note":null,"quote":"Total Survival benefits of 130% of the Sum Assured payable through increasing payouts of 10%, 15%, 25%, 35% of Sum Assured and a final payout at maturity of 45% of the Sum Assured along with bonuses^. ... ^ Includes Vested Reversionary Bonus if declared, plus Terminal Bonus, if any.","sources":[{"clause":null,"heading":"Life Insurance cover throughout the policy term","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-life-insurance-cover-throughout-the-policy-term"}],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"quote-verified","value":"This is a participating product. Reversionary bonus, if any, may be declared from surplus generated based on statutory valuation at the end of each financial year, and terminal bonus, if declared, is payable in the policy year when the policy results in death, surrender or maturity claim.","display":"Reversionary bonus, if any; terminal bonus, if declared","note":null,"quote":"Being a participating product, this policy shall participate in the profits arising out of the company's 'with profits' life insurance business. Reversionary bonus, if any, would be declared as a result of the surplus generated based on the Statutory Valuation carried out at the end of every financial year. Terminal bonus, if declared, would become payable in the policy year when the policy results into a claim either by death, surrender or maturity.","sources":[{"clause":null,"heading":"Benefits","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-benefits"}],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"quote-verified","value":"The illustrations use assumed rates of return of @4% and @8% p.a.; these are only illustrative scenarios after considering applicable charges and are not guaranteed or upper or lower return limits.","display":"@4% and @8% p.a. illustrative scenarios; not guaranteed","note":null,"quote":"Please note that the above mentioned assumed rates of returns @4% and @8% p. a. respectively, are only illustrative scenarios at these rates after considering all applicable charges. The bonus rates are assumed constant during the bonus accrual period, where as actual bonus could vary, depending on the investment experience of the Company. These are not guaranteed and they are not higher or lower limits of returns.","sources":[{"clause":null,"heading":"Scenario 3","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-scenario-3-2"}],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"quote-verified","value":"Survival benefit instalments are payable on survival to the end of specified policy years while the policy is in-force. Total survival benefits are 130% of Sum Assured; for policy terms 20 to 24 years, instalments include 10%, 15%, 25%, 35% and 45% at maturity, while for 25 years they are at years 5, 10, 15, 20 and 25.","display":"Total 130% of Sum Assured; instalments of 10%, 15%, 25%, 35% and 45% depending on policy term","note":"For 20 to 24 year terms, the last survival benefit instalment is the maturity benefit for that term. For the 25 year term, the 35% instalment is at year 20 and the 45% instalment is at year 25.","quote":"The Survival Benefits installments expressed as a fixed percentage of Sum Assured are payable on survival of Life Assured till the end of specified policy years during the policy term, subject to policy being in-force, and are as below: ... End of the Policy Year / Policy Term | 20 | 21 | 22 | 23 | 24 | 25\n4 | 10% | 10% | 10% | 10% | 10%\n5 | 10%\n8 | 15% | 15% | 15% | 15% | 15%\n10 | 15%\n12 | 25% | 25% | 25% | 25% | 25%\n15 | 25%\n16 | 35% | 35% | 35% | 35% | 35%\n20 | 45% | 35%\n21 | 45%\n22 | 45%\n23 | 45%\n24 | 45%\n25 | 45%\nTotal | 130% | 130% | 130% | 130% | 130% | 130%","sources":[{"clause":null,"heading":"Benefits","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-benefits"},{"clause":null,"heading":"Survival Benefit Instalment as a Percentage of Sum Assured","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403#c-survival-benefit-instalment-as-a-percentage-of-s"}],"law":[]}],"documents":[{"kind":"prospectus","label":"Product Brochure/Prospectus","pages":34,"fetched_at":"2026-10-17 19:58:20+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi_life_-_smart_money_back_saver_brochure_eng","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15403"},{"kind":"cis","label":"Customer Information Sheet (CIS)","pages":5,"fetched_at":"2026-10-17 19:58:56+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi-life-smart-money-back-saver_v01_policy-document_with-wop-rider_14-08-26_form-no-829_accepted-cis-smaple-","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15417"},{"kind":"brochure","label":"Product Guide","pages":4,"fetched_at":"2026-10-17 19:58:02+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi_life_-_smart_money_back_saver_leaflet_eng","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01/document/15391"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI Life Insurance official website","url":"https://www.sbilife.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim forms","url":"https://www.sbilife.co.in/customer-services/download-centre/claim-forms?category=286971","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.sbilife.co.in/grievances","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Pay renewal premium","url":"https://www.sbilife.co.in/SmartCare/pre/pay-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"SBI Life - Smart Money Back Saver (UIN 111N176V01), IndiaInsurances, https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-money-back-saver-111n176v01"}