This document summarizes an education savings and insurance plan called SBI Life - Smart Scholar. With a single premium payment of 75,000 rupees, the plan provides a sum assured of between 93,750 and 3,75,000 rupees for the child. The investment returns 18% annually over a policy term of 5 to 25 years. Loyalty additions are provided every 5 years to increase the fund value and final maturity amount.