The following conditions have to be followed: The premium for SBI Life – Accidental Death Benefit Rider cannot be more than 30% of the base product premium. If the rider term is different than the base policy term, then once the rider policy term is over, the benefits available on account of choosing the said rider will not be further available and the policy will continue without the rider benefits till death or maturity, whichever is earlier. Rider premium would be charged only for the duration under which the rider cover is valid. Riders may be canceled on any policy anniversary with a notice written in advance. The total sum assured under SBI Life – Accidental Death Benefit Rider on all of your individual policies taken with SBI Life Insurance Co. Ltd put together would not exceed Rs. 50, 00,000