Purchase SBI Saral Jeevan Using Digital Income Verification Only

Why SBI Saral Jeevan Is for Everyone — Not Just Salaried People

In India, millions of people earn their living outside the traditional 9-to-5 job. Whether you’re a freelancer juggling client payments through UPI, a small business owner running a local shop, or a gig worker collecting daily earnings via PhonePe, your hard work keeps your family going. But when it comes to securing their future, you might feel left out because you don’t have a salary slip. SBI Saral Jeevan changes that. This term insurance plan is designed for everyone—freelancers, shop owners, content creators, and first-time insurance buyers. It’s simple, affordable, and accessible, requiring only basic digital proof of your income. With SBI Saral Jeevan, you don’t need complex documentation or a corporate job to ensure your loved ones are financially protected. It’s a plan that meets you where you are, making life insurance as inclusive as it should be.

SBI Saral Jeevan is built for today’s India, where digital payments and informal incomes are the backbone of millions of households. Backed by the trusted SBI Life brand, it offers a straightforward way to secure your family’s future, whether you’re depositing cash from your tiffin service or receiving UPI credits for your freelance work. If you have an Aadhaar card, a PAN, and a bank account with a digital trail, you’re eligible to start your SBI Saral Jeevan journey today.

What Is Digital Income Verification in SBI Saral Jeevan?

For years, life insurance seemed out of reach for those without formal income proof like salary slips or ITRs. SBI Saral Jeevan breaks that barrier with its digital income verification process. Instead of demanding traditional documents, SBI Life accepts a range of digital proofs that reflect how you earn today. These include:

1) Bank statement showing regular income: A 6–12 month statement with cash deposits or digital transfers from clients or customers.
2) UPI/QR-settled payments: Transaction logs from apps like PhonePe, Google Pay, or Paytm showing consistent earnings.
3) NEFT or IMPS credits: Bank records of client payments or business income via NEFT or IMPS transfers.
4) Razorpay or Payoneer dashboard exports: PDF summaries of freelance or online earnings for digital creators or service providers.
5) ITR (optional): If you file taxes as a freelancer or business owner, ITR can be submitted but isn’t mandatory.

With SBI Saral Jeevan, there’s no need for a chartered accountant’s certificate or employer-issued documents. SBI Life verifies your financial activity through these digital trails, making the process fast and inclusive. Whether you’re a gig worker with UPI credits or a shop owner with daily cash deposits, SBI Saral Jeevan recognizes your income’s value and ensures you qualify for protection.

Step-by-Step: How to Apply for SBI Saral Jeevan With Digital Proof

Applying for SBI Saral Jeevan is as simple as sending a UPI payment. The entire process is online, paperless, and designed to fit your busy life. Here’s how you can get started:

  1. Visit the SBI Life portal: Go to www.sbilife.co.in and select SBI Saral Jeevan.
  2. Fill in basic details: Enter your Aadhaar, PAN, and personal information.
  3. Upload digital income proof: Submit a 6-month bank statement PDF, UPI transaction history (e.g., GPay or PhonePe logs), or Razorpay/Payoneer export.
  4. Add nominee details: Provide your nominee’s name and Aadhaar for seamless claim processing.
  5. Select policy term and coverage: Choose a sum assured (₹5 lakh to ₹25 lakh) and tenure (5 to 40 years).
  6. Complete biometric eKYC: Verify your identity through a quick video call.
  7. Pay online: Review your premium quote, pay digitally, and activate your policy instantly.

The process takes less than 30 minutes, and approvals often come within 48 hours. SBI Saral Jeevan’s digital-first approach means no agents, no branch visits, and no complicated paperwork—just protection tailored for you.

Real-World Story: How I Bought SBI Saral Jeevan With GPay Settlements

Let me share the story of Anjali, a 29-year-old from Hyderabad who runs a home tiffin service. Anjali earns ₹20,000–₹30,000 monthly, with most payments coming through Google Pay from her customers. She wanted to secure ₹50 lakh coverage for her husband and infant son but worried she wouldn’t qualify without a salary slip. Then she discovered SBI Saral Jeevan. Anjali applied online, uploading a 6-month bank statement PDF showing her GPay settlements and a few cash deposits. She provided her Aadhaar and PAN, completed a quick video KYC, and chose her husband as the nominee. Within 48 hours, her ₹50 lakh policy was approved—no branch visits, no chartered accountant letters, just her digital income trail. Now, Anjali’s family is protected, and she feels empowered knowing her small business has secured their future. SBI Saral Jeevan made it possible for her to act with confidence.

SBI Saral Jeevan Features That Make It Easy & Affordable

SBI Saral Jeevan is designed to be simple, affordable, and accessible, especially for those with non-traditional incomes. Here are its key features:

Coverage: ₹5 lakh to ₹25 lakh to suit your family’s needs.
Flexible tenure: Choose 5 to 40 years for short- or long-term protection.
Biometric paperless process: Complete everything online with Aadhaar and PAN.
Age range: Available for ages 18 to 65, ideal for young freelancers or seasoned business owners.
Nominee auto-linking: Link your nominee’s Aadhaar for seamless claim processing.
No medicals for basic coverage: Most cases don’t require health checks for standard sums assured.

These features make SBI Saral Jeevan a perfect fit for freelancers, gig workers, and small business owners who want reliable protection without complexity. Backed by SBI Life’s trusted name and a claim settlement ratio above 98%, it’s a plan you can count on.

Why You Shouldn’t Delay

Your digital income—whether it’s UPI payments from clients, cash deposits from your shop, or earnings from online platforms—is proof of your hard work. It’s also your ticket to securing your family’s future with SBI Saral Jeevan. Every year you delay, premiums rise as you age, and unexpected health changes could make coverage harder to get. By acting now, you lock in lower rates and ensure your loved ones have a financial safety net if the unthinkable happens. Your GPay transactions or bank statements are enough to qualify, so there’s no excuse to wait. SBI Saral Jeevan’s digital verification process makes it easier than ever to protect your spouse, children, or parents, giving you peace of mind today and security for tomorrow.

The beauty of SBI Saral Jeevan lies in its simplicity. It doesn’t judge your income source—it respects it. Whether you’re a freelancer earning through Razorpay, a shop owner with daily cash deposits, or a gig worker with UPI credits, this plan is built for you. Don’t let the lack of a salary slip hold you back from giving your family the protection they deserve. Start your SBI Saral Jeevan journey now—with only your bank statements or UPI history. No agents, no branches, no salary slips. Just real protection, simplified for you. Visit www.sbilife.co.in today.

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