Disclaimer

Hi, I’m Tom — the guy behind sbiterminsurance.com. Just a regular SBI Life customer, sharing my real journey with their term insurance plans like eShield Next, Smart Shield, and whatever else I’ve stumbled through.

This blog is 100% personal. It’s me putting down what I’ve learned, messed up, or figured out while dealing with SBI Life Insurance. I started it because I couldn’t find straightforward, real-customer answers online when I needed them. That’s it.

A Few Things to Know Upfront

• I’m not an expert. I’m not a financial advisor, not a chartered accountant, and definitely not an employee of SBI Life or SBI Bank. I’m just a salaried guy who bought a term plan to protect my family and ran into some confusing moments along the way.
• This is my story, not advice. Everything here comes from my own experiences: what I read in policy documents, what I saw on the SBI YONO app, what customer care told me (or didn’t), and the mistakes I made figuring it all out. It’s not professional advice—think of it like a friend telling you what they went through.
• Things change. Insurance policies, terms, and processes aren’t set in stone. What I write about today might not apply tomorrow. Always check the latest details on SBI Life’s official website or talk to a certified advisor before making any decisions.
• I’m not responsible for your choices. Use the info here as a starting point, but don’t rely on it alone. I’m sharing what worked (or didn’t) for me, but your situation might be different.

What This Blog Is Based On

I write from:

• My own research (hours of Googling and reading fine print).
• My actual SBI Life policy documents (yep, I read those boring PDFs).
• My struggles and successes using the YONO app or SBI Life’s portal.
• Phone calls or emails with SBI Life customer care (some helpful, some not).
• Real moments, like when I helped a family member with a claim or fumbled through rider options.

External Links

Sometimes I link to:

• SBI Life’s official pages (like product details or FAQs).
• Regulatory sites like RBI or IRDAI for general info.
• Other blogs or forums I’ve found useful as a policyholder.

These links are just for extra context. I don’t control what’s on those sites, and I’m not responsible for their content. If a link’s broken or outdated, let me know, and I’ll try to fix it.

No Paid Stuff Here

This blog isn’t about making money. I don’t get paid by SBI Life, SBI Bank, or anyone else. There are no affiliate links, no sponsored posts, and no commissions for me if you buy a policy. If I ever decide to promote something (like a book or tool I genuinely like), I’ll be upfront about it and say so clearly.

Got Questions?

If something I wrote confuses you or you’re stuck on something SBI Life-related, drop a comment or use the contact form on the blog. I’m not a pro, but I’ll do my best to share what I know as a fellow customer. No promises I’ll have all the answers, though!

One Last Thing

This blog is my attempt to fill the gap I felt when I was lost in the world of term insurance. It’s not perfect, and I’m not claiming to know everything. If I get something wrong, I’ll own up to it and update the post. That’s the deal.

Thanks for reading, and I hope this helps you navigate your own SBI Life journey a bit better.

– Tom
Just a customer, not an expert.