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Is it Worth Investing in SBI Life Smart Champ Plan? – Review (2023)

by Holistic Leave a Comment | Filed Under: Investments

Is this your goal to save for your child’s education and secure their bright future?

As a responsible parent, you might want to ensure that your child’s future needs are fulfilled.

Can you certainly protect your child’s future by purchasing this SBI Life Smart Champ Plan?

Let us analyze in detail whether this plan can be relied upon for the Financial Goals related to your kid’s education.

Table of Contents:

1.)What is the SBI Life Smart Champ Plan?

2.)Features of the SBI Life Smart Champ Plan

3.)Eligibility Criteria of the SBI Life Smart Champ Plan

4.)Benefits under the SBI Life Smart Champ Plan

  • Smart benefits
  • Benefit payable on the occurrence of the insured event

5.)Other Benefits of the SBI Life Smart Champ Plan

6.)Grace period, Revival & Paid-up of the SBI Life Smart Champ Plan

7.)Free Look period of the SBI Life Smart Champ Plan

8.)Surrendering the SBI Life Smart Champ Plan

9.)Advantages of the SBI Life Smart Champ Plan

10.)Disadvantages of the SBI Life Smart Champ Plan

11.)Research Methodology

12.)IRR of the SBI Life Smart Champ Plan

13.)SBI Life Smart Champ vs. Other Investments

14.)SBI Life Smart Champ Plan vs. PPF vs. ELSS

15.)Final verdict

What is the SBI Life Smart Champ Plan?

SBI Life – Smart Champ Plan is an Individual, Non-linked, Participating, Life Insurance Savings product. 

This plan is designed to protect your child’s future educational needs. 

Your child will be able to pursue his/her dreams and ambitions whether you are around or not. 

Features of the SBI Life Smart Champ Plan:

  • Premium payment method can be a single or limited payment.
  • You have the convenience of choosing your premium paying frequency – Yearly / Half-yearly / Quarterly / Monthly.
  • Guaranteed Smart Benefits are payable in four equal annual instalments at the end of each of your last 4 policy years.
  • Accidental Total & Permanent Disability rider & Waiver of premium rider are inbuilt features in this policy.
  • Simple revisionary bonus & Terminal bonus will enhance your smart benefit payout.
  • Loan options are available to you as a policyholder.

Eligibility Criteria of the SBI Life Smart Champ Plan:

Age at Entry Life Assured Min: 21 years  Max: 50 years 
Child Min: 0 years  Max: 13 years
Age at Maturity Life Assured Min: 42 years  Max: 70 years 
Child: 21 years 
Basic Sum Assured Min: 1,00,000 (x 1,000/-)   Max:  1 Crore
Policy Term 21 minus the Child’s Age at entry
Premium Payment Term for LPPT Policy 18 minus the Child’s Age at entry
Premium Frequency  Single Premium / Yearly / Half-yearly / Quarterly / Monthly
Premium Frequency Loading Half-Yearly: 51.00% of Annual Premium 
Quarterly: 26.00% of Annual Premium  
Monthly: 8.50% of Annual Premium
Minimum Premium Premium Payment Mode  Minimum Premium (exclusive of Applicable Taxes)
Monthly  500
Quarterly   1,500
Half-Yearly   3,000
Annual 6,000
Single  66,000
Maximum premium Based on the maximum basic sum assured

 

Benefits under the SBI Life Smart Champ Plan:

Smart benefits:

It is payable in four equal annual instalments after the child attains 18 years of age until he/she turns 21. 

Each instalment of Smart benefits will consist of 25% of the basic sum assured and 25% of the vested simple reversionary bonuses if declared. 

Terminal bonus, if declared, will be paid along with the last instalment of the Smart Benefits. 

Benefit payable on the occurrence of the insured event:

In the unfortunate event of death or Accidental Total Permanent Disability (ATPD), whichever is earlier, during the policy term, the following benefits are payable, 

a.) Immediate lump sum payment – The Sum Assured on the insured event or 105% of the total premiums received up to the date of death or ATPD, whichever is earlier, is paid immediately.

For Single Premium: The Sum Assured on the Insured Event is higher than the basic sum assured or 1.25 times the single premium. 

For Limited Premium Paying Term: The Sum Assured on the Insured Event is higher than the basic sum assured or 10 times the annualized Premium.

b.) Waiver of due premiums – No future premium instalments due, if any, are required to be paid. The policy continues to accrue bonuses if declared

c.) Smart benefits (Due) – The due instalment(s) of Smart benefits are payable. Terminal bonus if declared will be paid along with the last instalment of the Smart Benefits.

Other Benefits of the SBI Life Smart Champ Plan:

Option to receive the lump sum amount instead of Smart Benefits:

Option to receive the discounted value of the future due instalment(s) of Smart Benefits plus the Terminal Bonus, if declared, in a lump sum amount during the last 3 policy years. 

The discount rate will be 6.25% p.a.

Loan option:

 Loans will be available after the policy acquires surrender value. 

The policy loan will be limited to a maximum of 90% of the Surrender Value.

Large Sum assured discount:

Basic Sum Assured (BSA) Rebate per 1,000/- Basic Sum Assured
Limited premium Single premium
1 lakh – 2 lakhs Nil Nil
2 lakhs – 3 lakhs 3 6.5
3 lakhs – 5 lakhs 4.5 9.5
5 lakhs & above 5.5 11

A grace period, Revival & Paid-up of the SBI Life Smart Champ Plan:

Grace period:

Under the LPPT policy, 

  • 30 days of Grace Period from the premium due date for yearly/half yearly/ quarterly premium frequency are allowed.
  • 15 days for the monthly premium frequency are allowed.

Revival:

A lapsed policy may be revived within 5 consecutive years from the date of the first unpaid premiums. 

You as a policyholder will be required to pay all the overdue premiums with interest and any indebtedness outstanding on the date of lapse.

Paid-up:

The LPPT policy will acquire paid-up value after payment of at least two consecutive years’ premiums. 

The Basic Sum Assured will be reduced (Paid-up sum assured) to the same proportion as to the ratio of the number of premiums paid to the total number of premiums payable as per the term chosen at the inception of the policy. 

Paid-up value = Paid-up Sum assured + Vested bonuses & terminal bonus if declared.

Free Look period of the SBI Life Smart Champ Plan:

If the policyholder is not satisfied with the features of the SBI Life Smart Champ Plan, then the policyholder can cancel the policy by providing a written statement to the company.

The policyholder will get a refund of the premium after deducting the charges.

The free look period is 15 days if the policy is purchased directly. It will be extended up to 30 days if the policy is purchased through the distance mode.

Surrendering the SBI Life Smart Champ Plan:

For Limited Premium-Paying Policies, the policy will acquire a Surrender Value only if the policyholder has paid the premiums for at least 2 consecutive years. 

For Single Premium Policies, the Policy will acquire a Surrender Value anytime during the policy term. 

On surrender, the higher of the Non-Guaranteed Special Surrender Value and Guaranteed Surrender Value is payable.

Advantages of the SBI Life Smart Champ Plan:

  • A portion of the Smart Benefits is guaranteed.
  • On the occurrence of the insured event, the future premiums are waived & the policy continues to accrue bonus.
  • The policyholder has the option to receive the lump sum amount – the discounted value of the future smart benefits of the last 3 policy years.
  • Income-tax benefit as per Sec 80 C & Sec 10 (10D) of the Income-tax Act.

Disadvantages of the SBI Life Smart Champ Plan:

  • Smart Benefit amount varies year after year as the simple revisionary bonus is a non-guaranteed part of the Smart Benefit.
  • The lock-in period is 2 years for surrendering the policy or for a loan option.

You can refer to the policy brochure to know more details about the SBI Life Smart Champ Plan.

Research Methodology:

Now, we have seen all the necessary details that we need to know about the SBI Life Smart Champ Plan.

Now let’s see whether this plan can help us to create long-term wealth or not to secure your child’s future by calculating the IRR of the SBI Life Smart Champ Plan.

Then let us compare the SBI Life Smart Champ Plan with other alternative investment products to see which gives us a better return in the long term.

Let us analyse the IRR of this policy with an illustrative example below:

Male 40 years
Child 3 years
Premium paying term 15 years
Policy term 18 years
Sum Assured 20 lakhs
Annual premium 1,35,700

IRR of the SBI Life Smart Champ Plan:

The policyholder pays the premium for their child as they attain 3 years of age until the child attains the age of 17 years. 

The Smart benefit payout starts from the age of 18. 

Let us see the cash flow in below table & calculate the IRR of the SBI Life Smart Champ Plan.

    At 4% p.a. At 8% p.a.
Age of Child Year Annualised premium / Maturity benefit Death benefit Annualised premium / Maturity benefit Death benefit
3 1 -1,35,700 20,00,000 -1,35,700 20,00,000
4 2 -1,35,700 20,00,000 -1,35,700 20,00,000
5 3 -1,35,700 20,00,000 -1,35,700 20,00,000
6 4 -1,35,700 20,00,000 -1,35,700 20,00,000
7 5 -1,35,700 20,00,000 -1,35,700 20,00,000
8 6 -1,35,700 20,00,000 -1,35,700 20,00,000
9 7 -1,35,700 20,00,000 -1,35,700 20,00,000
10 8 -1,35,700 20,00,000 -1,35,700 20,00,000
11 9 -1,35,700 20,00,000 -1,35,700 20,00,000
12 10 -1,35,700 20,00,000 -1,35,700 20,00,000
13 11 -1,35,700 20,00,000 -1,35,700 20,00,000
14 12 -1,35,700 20,00,000 -1,35,700 20,00,000
15 13 -1,35,700 20,00,000 -1,35,700 20,00,000
16 14 -1,35,700 20,00,000 -1,35,700 20,00,000
17 15 -1,35,700 20,00,000 -1,35,700 20,00,000
18 16 5,97,500 20,00,000 8,00,000 20,00,000
19 17 5,97,500 20,00,000 8,00,000 20,00,000
20 18 5,97,500 20,00,000 8,00,000 20,00,000
21 19 6,56,000 20,00,000 9,80,000 20,00,000
IRR 1.92% 5.19%

The assumed gross rate of return is 4% & 8% for the worst and best-case scenarios respectively from the benefit illustration provided on the SBI Life website. 

These are not guaranteed rates of interest as SBI Life Smart Champ is a risk-premium product subjected to market volatility.

The IRR based on a 4% return is 1.92%, which is similar to the Bank savings account return.

The IRR based on an 8% return is 5.19%, which is similar to the bank FD rate of interest. 

Both the rate of interest is not an inflation-beating return. 

More importantly, it is not a risk-premium return as it gives us lower returns compared to the risks involved in this policy.

SBI Life Smart Champ vs. Other Investments:

As an alternative to the SBI Life Smart Champ, you can invest the money in various investments that can give you a better investment return.

The sum assured in the SBI Life Smart Champ plan is Just Rs. 20 lakhs. Whereas if you opt for Pure Term Insurance, the sum assured could be higher with low-cost premiums. 

So, it is always a good idea to consider buying Pure Term Insurance with adequate life cover.

If a 40-year-old male buys Pure Term Insurance for Rs. 1 crore cover, the annual premium would be around Rs. 21,000. 

In the above illustration, the annual cash outflow is Rs. 1,35,700. 

We can assume the same here.

So, after paying the premium for Pure Term Insurance, the balance amount of Rs.1,14,700 could be invested in other investment instruments based on your risk appetite.

Let us compare the IRR of the SBI Life Smart Champ with other Investment alternatives to get a better idea about whether this policy is worth investing in or not.

SBI Life Smart Champ Plan vs. PPF vs. ELSS:

Your choice of investment needs to be grounded in the risk that you are willing to take; it could be either PPF or ELSS.

Let us try to work out the IRR for the combination of Term Insurance + PPF / ELSS investments. 

Term Insurance + PPF Term insurance + ELSS
Age of Child Year Term Insurance premium + PPF Death benefit Term Insurance premium + ELSS Death benefit
3 1 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
4 2 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
5 3 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
6 4 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
7 5 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
8 6 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
9 7 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
10 8 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
11 9 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
12 10 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
13 11 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
14 12 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
15 13 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
16 14 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
17 15 -1,35,700 1,00,00,000 -1,35,700 1,00,00,000
18 16 8,00,000 1,00,00,000 8,00,000 1,00,00,000
19 17 8,00,000 1,00,00,000 8,00,000 1,00,00,000
20 18 8,00,000 1,00,00,000 8,00,000 1,00,00,000
21 19 10,05,000 1,00,00,000 26,50,000 1,00,00,000
IRR 5.26% 8.80%

After the completion of the premium paying term in the SBI life Smart Champ plan, the smart benefit pay-out starts. 

The same pay-out under the 8% scenario is assumed withdrawn from a debt instrument (6% return) in the last 4 years. 

The IRR for Term Insurance + PPF is 5.26% & for Term insurance + ELSS is 8.80%, which are better returns comparable to the returns, provided in the SBI Life Smart Champ Plan. 

In addition, you get a life cover of Rs. 1 crore for the next 20 years. 

Both from an insurance point of view & investment return the SBI Life Smart Champ Plan lags behind other investment instruments like PPF or ELSS.

Final verdict:

SBI Life Smart Champ Plan is a participating traditional child plan. 

It offers triple protection in case of eventualities – Immediate Lump sum payment, Waiver of premium & Due instalments of smart benefits. 

But in the long run, the educational inflation makes the cost humongous & SBI Life Smart Champ Plan can’t fund this rising educational goal for your child.

After our detailed analysis, we can see that ELSS can give you a better return compared to the SBI Life Smart Champ Plan if you are a risk-tolerant investor.

As the SBI Life Smart Champ Plan did not give us, a good long-term return which is not inflation-beating in the first place.

Shortly, you can also get better returns on PPF if you are a conservative investor. 

As for term insurance, you can choose pure term insurance that can give you high-life coverage at a low cost.

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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