Zindagi Protect vs Smart Shield Plan Term Insurance Plan 2026 | PolicyX

Google Ratings (2500+)

★★★★

11+ Years

IRDAI Approved

5M+

Quotes Generated

100K+

Happy Customers

PolicyX is one of India's leading digital insurance platforms

Know More About Plans

The Edelweiss Life Zindagi Protect is a pure-term insurance plan that provides financial support to your dependents in return for the premium you have paid. Have you ever thought about what will happen if you fail to pay a premium on time due to financial issues? Unfortunately, your term plan might lapse.

To tackle this problem, Edelweiss Life Zindagi Protect enables you to skip your premium payments up to 8 times and still remain covered, enjoying all the exclusive policy benefits. Additionally, the plan offers life insurance coverage up to the age of 100, along with the option to choose between a life cover or a return of premium option.

Edelweiss Life Zindagi Protect Plan offers a range of benefits, including:

  • Premium Break Benefit
  • Tax Benefit
  • Child’s Future Protect Benefit
  • Additional riders to choose from
  • Better Half Benefit
  • Whole Life Cover
PLAN DETAILS

Zindagi Protect

Smart Shield Plan

Premium Including GST
Key Features
(Key features of the plan)
  • 6% Discount on Premiums
  • Child Future Protect Benefit
  • Premium Break Benefit
  • Two Plan options
  • 30% Premium discount
  • Tax benefits
Plan Maturity age Maximum Maturity Age - 100 years Maximum Maturity Age - 80 years
Plan Sum Assured Base sum assured: Rs 50 lakhs to 1 crore Basic Sum Assured: ₹25L to No Limit
Plan Entry Age Minimum Age: 18 years, Maximum Age: 65 years Minimum Age - 18 years Maximum Age - 60 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Half-Yearly, Quarterly, and Monthly
Plan Policy loan Policy loan is not available under the Zindagi Protect Plan. The policy loan is not available under SBI Life Smart Shield Plan.
Plan Sample Premium Rs 568-/ per month Rs 532-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 100 years Minimum term - 5 years Maximum term - 80 years
Claim Settlement Ratio (2024-25) 99.29% 98.83%
Recommended Videos
Edelweiss Tokio Zindagi Plus Life Insurance

Edelweiss Tokio Zindagi Plus Life Insurance

SBI eShield term insurance plan

SBI eShield term insurance plan

* 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 Edelweiss Life Zindagi Protect

You can add the following riders to your Edelweiss Life Zindagi Protect:

Edelweiss Life Accidental Death Benefit Rider

In case of the policyholder’s demise due to an accident, benefits are paid to the nominee.

Edelweiss Life Critical Illness Rider

Under this rider, you will be paid an immediate lump sum amount upon the diagnosis of any of the listed 12 critical diseases, including cancer and brain tumour. This immediate lump sum helps manage treatment expenses.

Edelweiss Life Waiver of Premium Rider

Under this rider, all future premiums of your ongoing term plan will be waived off if you are diagnosed with any of the listed 12 critical diseases or become physically disabled due to an accident during the policy term.

Edelweiss Life Accidental Permanent Total/Partial Disability Benefit Rider

Under the accidental disability rider, benefits are offered in case of the policyholder’s disability or demise due to an accident.

Other Term Insurance Companies

Free Expert Advice

Consult for Personalised Insurance Advice

Get guidance from IRDAI-certified experts — zero cost, zero spam.
Our advisors help 1M+ Indians choose the right term plan every year.

★★★★★ 4.5+ on Google · 2,500+ reviews
📞 Call Free