About This Blog – My Honest SBI Life Journey

About This Blog – My Honest SBI Life Journey

By Tom, an actual SBI Life policyholder

Hi, I’m Tom. I created this blog — sbiterminsurance.com — because I’m an actual customer of SBI Life Insurance, and I felt there was a big gap online.

I’m not a writer. I’m not a financial guru. I’m just a normal person who got tired of reading the same recycled insurance info over and over, when all I really wanted was someone who’s actually used SBI Life to tell me how things really work.

So that’s what this blog is — just me writing down what I personally went through.

🧍‍♂️ How It Started

Back in 2021, I bought an SBI Life eShield Next term insurance policy. I didn’t buy it through an agent. I didn’t even speak to anyone. I just went on the SBI YONO app, selected the plan, and thought I was good to go.

But the process wasn't as simple as I expected.

Some parts were smooth. Others made no sense.
I had issues with document upload, I got confused by the rider options, and I remember sitting there staring at the screen wondering,

“Wait… did I just spend ₹10,000 on something I don’t fully understand?”

I couldn’t find any real answers online. Every blog felt like it was written by a robot or someone paid to promote the product.
I thought — why not write it myself, in plain words, as someone who actually bought the policy?

So I did. That’s how sbiterminsurance.com was born.

📝 What I Write About

I write about real things I’ve faced as an SBI Life policyholder.
Not what the brochure says. Not what some affiliate site says. What actually happens when you're a customer like me.

Some of the posts are based on things I Googled when I was stuck, like:

  • “SBI eShield online payment failed”
  • “How to edit proposal form after submitting in SBI Life”
  • “eShield riders – which ones are actually useful?”

Others are just me sharing things I wish I had known earlier.

For example:

  • Why I skipped certain riders even though they sounded important
  • What I learned about the claim process when a relative passed away
  • How the YONO SBI app handled my renewal (spoiler: not great)

If you’ve ever sat confused in front of your phone or laptop while trying to buy, update, or understand your term insurance — then you know exactly what I’m talking about.

🙋‍♂️ Who I Am

I’m Mahesh. I’m not an insurance agent. I don’t work at SBI.
I’m just a salaried guy trying to make sure my family is protected if something ever happens to me.

That’s the only reason I bought a term plan in the first place.
And I picked SBI Life because I’ve had an SBI account for years and figured, “If I trust the bank with my money, I can trust them with insurance too.”

Turns out, that’s only half true.

I still believe SBI Life is solid. But they don’t always make things easy to understand. That’s what this blog helps with.

💬 Why I Write This Blog

To be honest, I don’t care about traffic or SEO or any of that. I didn’t create this site to make money.
I just wanted to put out the kind of content I wish had existed when I was searching for answers.

If you’re reading this, you’re probably just like me — trying to buy the right plan, make sense of the options, or just find someone who’s actually used SBI Life, not just written about it from the outside.

That’s what I offer:

  • ✍️ A real customer’s view.
  • 🛠️ Not perfect. Not polished. But real.

🧩 Some Articles You Might Find Helpful

These are examples of what I write here:

  • “What Happened When I Bought SBI eShield on YONO – Full Walkthrough”
  • “SBI Term Plan Claim Process – Timeline & Mistakes I Made”
  • “Riders in SBI Life: What I Picked, What I Skipped, and Why”
  • “How I Saved Money on SBI eShield Premium Without Lowering Cover”
  • “The 3 Things That Confused Me the Most (And Might Confuse You Too)”

These are based on my actual use, not theory or copy-paste stuff.

⚠️ Disclaimer (Just to Be Clear)

I don’t work for SBI or SBI Life.
I don’t sell policies. I don’t get paid by anyone to write this.

I’m just a real SBI Life customer, writing down what I’ve gone through — both the helpful parts and the frustrating ones.

If something changes, I update it. If I get something wrong, I admit it. That’s all this is.

Always double-check with SBI Life directly or speak to an advisor before making any decisions.
I’m just sharing my story — nothing more.

🙏 Final Thoughts

If this blog helps even one person feel more confident or more clear about their insurance choices, that’s enough for me.

Thanks for reading this.
If you want me to cover something specific that you’re stuck on, feel free to leave a comment or just bookmark the blog for later.

– Tom
Just a customer, not an expert.

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