SBI Term Insurance Premium Calculator 2025

Get instant quotes for SBI Life term insurance plans including eShield Next, Smart Shield Premier, and Poorna Suraksha. Calculate premiums for life cover from ₹50 Lakhs to ₹5 Crores with our free SBI term insurance calculator.

Calculate Your SBI Term Insurance Premium

Enter Your Details

Your Age

Gender

Life Cover Amount

Policy Term (Years)

Do you smoke?

Premium Payment Frequency

Your Premium Results Will Appear Here

Fill in your details and click "Calculate Premium" to see personalized quotes for SBI term insurance plans.

Your SBI Term Insurance Premium

₹12,500

Per Year

Available SBI Plans

SBI eShield Next ₹12,500/year

SBI Smart Shield Premier ₹13,200/year

SBI Poorna Suraksha ₹15,800/year

*Premiums are indicative and may vary based on medical tests, occupation, and other factors.

Why Use Our SBI Term Insurance Calculator?

Instant Premium Quotes

Get immediate premium calculations for all major SBI Life term insurance plans including eShield Next, Smart Shield Premier, and Poorna Suraksha.

Compare Multiple Plans

Compare premiums across different SBI term insurance plans and choose the one that best fits your budget and coverage needs.

100% Free Calculator

Our SBI term insurance premium calculator is completely free to use with no hidden charges or registration required.

Accurate Calculations

Based on official SBI Life premium rates and updated regularly to reflect the latest policy terms and conditions.

SBI Term Insurance Plans Features

SBI eShield Next

Level and increasing cover options
Accidental death benefit rider
Terminal illness benefit
Premium payment flexibility
Tax benefits under Section 80C

SBI Smart Shield Premier

Three cover options available
Better half benefit
Special premium rates for women
Return of premium option
Worldwide coverage

SBI Poorna Suraksha

Built-in critical illness cover
36 critical illnesses covered
Life stage rebalancing feature
Premium waiver benefit
Multiple payout options

Key Benefits

High life cover at low premiums
Tax savings under 80C & 10(10D)
Flexible premium payment terms
Online purchase discounts
Fast claim settlement process

Frequently Asked Questions

How accurate is the SBI term insurance calculator? +

Our SBI term insurance calculator provides highly accurate premium estimates based on official SBI Life premium rates. However, final premiums may vary slightly based on medical underwriting, occupation risk, and other factors assessed during the application process.

What factors affect my SBI term insurance premium? +

Several factors influence your SBI term insurance premium including age, gender, sum assured, policy term, smoking habits, occupation, health condition, and lifestyle factors. Younger individuals and non-smokers typically get lower premium rates.

Which SBI term insurance plan is best for me? +

The best SBI term insurance plan depends on your specific needs. eShield Next is ideal for basic coverage, Smart Shield Premier offers enhanced benefits with return of premium option, while Poorna Suraksha provides critical illness coverage along with life insurance.

Can I buy SBI term insurance online? +

Yes, you can purchase SBI term insurance plans online through the official SBI Life website or authorized insurance brokers. Online purchases often come with attractive discounts and faster processing.

What is the maximum life cover available in SBI term plans? +

SBI Life offers term insurance coverage up to ₹10 crores, subject to income eligibility and medical underwriting. The minimum sum assured typically starts from ₹25 lakhs for most plans.