Eshield Next Plan vs I Term Prime Plan Term Insurance Plan 2026 | PolicyX

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SBI Life eShield Next, launched by SBI Life is a new age term insurance plan that enables you to take care of your current requirements and your changing responsibilities. You can boost your family's financial immunity in an ever-changing world with SBI Life eShield Next. SBI Life offers multiple term plans along with eShield Next to safeguard your loved ones.

SBI Life eShield Next Plan offers you a range of benefits including:

  • Whole Life Cover
  • Optional Riders
  • Tax Benefits As Per Laws
  • Terminal Illness Benefit
  • Multiple Premium Payment Term
  • Future Proofing Benefit
PLAN DETAILS

Eshield Next Plan

I Term Prime Plan

Premium Including GST
Key Features
(Key features of the plan)
  • Better Half Benefit
  • 3 Plan options
  • Terminal Illness Benefit
  • Affordable Premiums
  • High Coverage
  • Riders Available
Plan Maturity age Maximum Maturity Age - 100 years Maximum Maturity Age - 65 years
Plan Sum Assured Basic Sum Assured: ₹50L to No Limit Base sum assured: ₹25 lakhs to no upper limit
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes Single, Yearly, Half-Yearly, and Monthly Annual, half-yearly, quarterly & monthly
Plan Policy loan The policy loan is not available under SBI Life eShield Next plan. The policy loan is not available under i-Term Prime
Plan Sample Premium Rs 503-/ per month Rs 504-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 100 years Minimum term - 5 years Maximum term - 15 years
Claim Settlement Ratio (2024-25) 98.83% 99.73%
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* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.

Riders

Riders Associated with SBI Life eShield Next Plan

You can add the following riders to your SBI Life - eShield Next Plan:

SBI Life Accidental Death Benefit Rider

Accidental death benefits rider provides an additional sum if the policyholder dies due to an accident during the policy tenure. 

SBI Life Accidental Total and Permanent Disability Rider

Accidental Total and Permanent Disability Rider covers the policyholder if any accident occurs that leads to the permanent disability of the policyholder.

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