<h1>Term insurance adaptability: new plan offers scalable sum assured increases and milestone based benefit boosts with optional spouse and accident riders.</h1> SBI Life - Smart Shield Plus is an individual, non linked, non participating pure risk term plan offering Level Cover, Increasing Cover with automatic annual increments, and Level Cover with a Future Proofing Benefit permitting sum assured increases at specified life events without further medical underwriting; it provides flexible death benefit payout options and optional enhancements including a spouse Better Half Benefit and Accident Benefit Riders, available through physical and digital channels and issued by a regulator registered insurer.