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SBI Life Insurance Company Limited · FY26 (Mar'26, audited anchor)

India's #1 private life insurer by Individual NBP (25.5% private share) & IRP (22.9%)

29,344 employees · 1230+ own offices · 9 bancassurance partners

▲ Executive read· the answer, then the moves

₹2.51k Cr of value and ₹1.67k Cr of cash are in play across the enterprise right now — concentrated in ₹47.50k Cr of product-family GWP in programs still landing and ₹125 Cr of premium past the grace period. Run the ranked queue top-down: cross-sell protection & annuity, land the product & digital programs, then recover the past-grace premium to lift free surplus.

4 of 6 headline metrics improving vs prior · still off target: Gross Written Premium (GWP) ₹1,01,290 Cr vs ₹1,10,000 Cr, Growth + Margin (APE growth + VNB margin) 40 vs 42, Value of New Business (VNB) ₹6,670 Cr vs ₹7,600 Cr

Do now — ranked by urgency

1
61-month persistency dipAct now
Why it matters
Targeted renewal & win-back on 2020-21 cohorts; monitor structural read-through.
What's driving it
61M persistency
Signal: Alert
FYI
61M persistency 58.1% (−550 bps) — COVID-era (2020-21) cohorts lapsing at 5 years; management flags non-structural.
Act →▤ open at-risk policies
2
Save the at-risk renewal book (lapse win-back)Watch
Why it matters
≈ ₹7.30k Cr prize — the persistency & renewals move with the highest dollar impact in its domain.
What's driving it
Persistency & Renewals · defend
₹7.30k Cr at stake
FYI
Owner: Distribution · Persistency
Act →
3
ULIP concentration in the mixWatch
Why it matters
Accelerate Non-Par savings, annuity & protection to lift VNB margin 27.5%→29%+.
What's driving it
Product mix
Signal: Alert
FYI
ULIP ~60% of APE / ₹46,000 Cr GWP — margin-diluting vs peers; deliberate shift to non-par / protection under way.
Act →▤ open the cross-sell list
4
Regulatory reset in playWatch
Why it matters
Re-price non-par, exploit low cost ratio, prepare for Bima Sugam & health/composite readiness.
What's driving it
Regulation
Signal: Alert
FYI
GST-exemption, surrender-value norms, Bima Sugam & EoM reshaping economics; composite-licence pending.
Act →

🔁 Operate the book (persistency & claims)Step 1 of 5 · sense the cross-enterprise signalsAI Agents ▶All journeys

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✅ Todayyour decision queue 📨 Activity & Digestaudit trail · @mentions 🧭 360 Directoryall views by persona 🗺 Guided Journeyspersona flows · step-by-step 🛰 Control Towercommand center 🎯 Strategy & Goals4 pillars · OKRs 💎 Value Creation Planshareholder value · valuation 🤖 AI Agentsrecommend & act 🌐 Enterprise 360the consolidated pane 📈 New Business & APE 360funnel · forecast 🛰 Market & Industry Intelsignals · growth initiatives 🏛 Company Hierarchyorg · segments · entities 🗂 Distribution Roll-up 360zone · segment · office 📍 Distribution Network 360offices · zones · reach 👥 Channel & Customer 360channels · cross-sell 🧩 Channel Mastergolden record · MDM 🧾 Proposal & Underwriting 360proposals by product 🔄 Policy Lifecycle 360lead → issue → renew 🔁 Persistency & Renewals 360renewal book · persistency 🔧 Onboarding & Issuance 360issuance · new-business delivery 👷 Workforce 360distribution force · activation 🏷 Products & Segments 360products · margin journey 🧩 Programs & Digital 360PMO · workstreams · go-live 🤝 Growth & Capital 360initiatives · capital · ROI 🚪 Embedded Value & ReturnsEV · solvency · returns 🚚 Cost & Reinsurance 360commission · reinsurance · IT 💰 Finance 360P&L · segments 💵 Cash 360collections · premium · treasury 🧬 Ontology & Meshlogical layer · data products ▤ Evidencedrill-to-record · export 🩺 Data Healthfreshness · lineage

↗ Where this connects — act / drill across

✅Today· your personal action queue 🤖AI Agents· let an agent action the alert 🎯Strategy & Goals· tie the alert to a goal owner 💎Value Creation Plan· trace it to the thesis 🛰Market & Industry Intel· check the external signal

● LiveBuilt forMD & CEO· run the whole company liveExec team· one prioritized action queueBoard· state, risk and what's moving

The single pane that sits over every 360. It reads them all across the five towers — New Business & Mix, Product-Mix & Margin, Cash & Collections, Persistency & Renewals, Cost & Reinsurance — ranks the moves by rupee impact, and shows what changed: ₹2.51k Cr of value and ₹1.67k Cr of cash in play across the enterprise right now.

Data backing: every governed domain — kpi · premium · segment · renewal book · new business · channels · alert · signal

LiveState of the enterprise

GWP

₹101.29k Cr

▲19%

VNB

₹6.67k Cr

27.5% margin

Renewal premium

₹58.74k Cr

58% mix

Collection days