HDFC Life Insurance
Invest Your Future,
Ensuring Peace of Mind
"Protecting Life's Journey: HDFC Life Insurance - Your Trusted Shield"
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HDFC Life Insurance is one of the best life insurance companies in India. It offers a wide range of solutions for both individuals and groups, such as protection, retirement, savings and investments, health insurance, and more.
Term Insurance
Term plans are pure life insurance that cover your life for a certain amount of time, or term. If the policyholder dies during the insurance term, the sum assured pay-out goes to the person named in the policy.
Term Insurance Plan Name – HDFC Life Click 2 Protect Life
Traditional Insurance
Traditional plans, also known as participating plans or with-profits plans, typically offer a combination of insurance coverage and investment growth. This company offers a variety of plans, such as.
Traditional Insurance Plan Name – HDFC Life Sanchay Plus, HDFC Life Sanchay Par Advantage
Unit linked Insurance Plan (ULIP)
Unit Linked Insurance Plans (ULIPs) combine insurance and market-linked investments. Capital market-linked ULIPs have goals. Thus, allowing investors to choose equity or debt funds based on risk. ULIPs provide insurance and long-term capital appreciation.
Unit Linked Insurance (Ulip) Plan Name – HDFC Life Smart Protect Plan, HDFC Life Sampoorn Nivesh, HDFC Life Click 2 Wealth, HDFC Life Click2 Invest ULIP, HDFC Life Classic One, HDFC Life Wealth Builder, HDFC Life Wealth Elite
Term plans are pure life insurance that cover your life for a certain amount of time, or term. If the policyholder dies during the insurance term, the sum assured pay-out goes to the person named in the policy.
Traditional plans, also known as participating plans or with-profits plans, typically offer a combination of insurance coverage and investment growth. This company offers a variety of plans, such as-
Unit Linked Insurance Plans (ULIPs) combine insurance and market-linked investments. Capital market-linked ULIPs have goals. Thus, allowing investors to choose equity or debt funds based on risk. ULIPs provide insurance and long-term capital appreciation.
Term Insurance - Plan1
HDFC Life Click 2 Protect Life
This plan provides a lot of benefits, such as-
Maturity Benefit
- When the death or maturity benefits are paid, as described above, the policy ends and no more benefits are given.
- The maturity benefit will be the higher of (Fund Value at Maturity plus Loyalty Additions payable at Maturity, Assured Benefit), where Assured Benefit is Total Premiums Paid minus Total Partial Withdrawals (if any).
Traditional Insurance - Plan 1
HDFC Life Sanchay Plus
You and your family will be able to benefit from the “HDFC Life Sanchay Plus” plan, which was created by HDFC Life and gives assured returns.
Guaranteed benefits
Rest assured of the returns
Tax benefits
You may be eligible for tax benefi¬ts as per prevailing tax laws
Flexibility
Guaranteed benefi¬ts as a lump sum or as regular income
Life Long Income option
Guaranteed income till age 99 years
Long Term Income option
Guaranteed Income for a fixed term of 25 to 30 years
Optional Riders
Enhance your protection coverage with rider options on payment of additional premium
Traditional Insurance - Plan 2
HDFC Life Sanchay Par Advantage
HDFC Life Sanchay Par Advantage is a participating life insurance plan that lets you get coverage for the rest of your life (up to age 100). The plan gives you a complete way to make a regular income and save money to reach your goals and protect the future of your loved ones without making any sacrifices.
Key Features of HDFC Life Sanchay Par Advantage
Life cover with protection up to age 100 years
Choose between immediate income or deferred income options as per your needs.
Maturity Benefit
Sum Assured on Maturity plus
Accrued Cash Bonuses, if not paid earlier plus
Death Benefit
Sum Assured on Death plus
Accrued Cash Bonuses, if not paid earlier plus
Survival Benefit
Guaranteed Income and discretionary Cash Bonuses (if declared) will be paid in arrears one year after Premium Payment Term ends. Cash Bonus Rate2x Annualised Premium
Unit linked Insurance - Plan 1
HDFC Life Smart Protect Plan
The HDFC Life Smart Protect Plan is a Unit-Linked Life Insurance Plan that helps you save for long-term goals and gives you a life cover as well.
Key Features of HDFC Life Smart Protect Plan
Option to reduce your death benefit after a chosen period under Decreasing Cover and Decreasing Cover with Capital Guarantee plan optionsGet minimum Assured Benefit on Maturity under Level Cover with Capital Guarantee and DecreasingCover with Capital Guarantee plan optionsChoice of 5 fund options with unlimited free switchingReturn of 2X to 3X Mortality Charge from 11th policy year
Unit linked Insurance - Plan 2
HDFC Life Sampoorn Nivesh
An insurance-cumulative investment plan with loyalty additions and several fund alternatives to assist you in optimizing your investment.
- We allocate your premium in investment funds of your choice.
- In case of an accidental death of the insured, we will pay additional sum assured to the nominee
- Loyalty Additions to enhance your fund value after 10 years.
- Get 4 Fund Switch, Future Premium Redirection absolutely free in a policy year.
- Option to make partial withdrawal from funds to meet financial emergencies, if any.
Unit linked Insurance – Plan 4
HDFC Life Click2 Invest ULIP
“HDFC Life Click 2 Invest ULIP” is a Unit-Linked Non-Participating Life Insurance Plan that gives you market-linked returns and good financial safety for your family.
Key Features of HDFC Life Click2 Invest ULIP
Maturity Benefit– Benefits payable at the end of your policy term at maturity you will receive your Fund Value. Fund Value will be calculated by multiplying balance units in your fund by the then prevailing unit price. Your policy matures at the end of policy term you have chosen. All your risk cover ceases at the end of policy term.
Death Benefit: Benefits payable in case of unfortunate demise of Life Assured In case of the Life Assured’s unfortunate demise, we will pay to the nominee the highest of the following:
- Sum Assured,
- Fund Value,
- 105% of the premium(s) paid.
The policy will terminate thereafter and no more benefits will be payable.
Partial Withdrawal: Take out a certain amount from your Policy Fund Value–
You can take money out of your funds in case of an emergency. After 5 full insurance years, if the Life Assured is at least 18 years old, you can take some of your money out in a lump sum.
The partial withdrawals will not be allowed, because that would mean the programme would end.
Unit linked Insurance – Plan 5
HDFC Life Classic One
HDFC Life Classic One is a unit-linked, non-participating life insurance plan with a unique option that covers the lives of two people. On the second death of the two lives assured, a lump sum of 10 times the single payment is given. This plan also has reward add-ons that can help you build up the value of your fund.
Key Features of HDFC Life Classic One
- A life insurance plan that lets you make money based on the market
- Option to choose between Single Life and Joint Life (Life coverage for two individuals wherein a lump sum is paid on the second death of the two lives assured) Coverage Variant
- The surviving life under the Joint Life Coverage Variant has the choice to withdraw the entire fund value (including top-up fund value) and continue with a complete life cover for the remaining duration of the policy term upon the first death.
- Under the Joint Life coverage option, the death benefit would only be paid out after the deaths of both lives assured; nothing would be paid out at the death of the first life assured alone.
Unit linked Insurance - Plan 3
HDFC Life Wealth Builder
“HDFC Life Wealth Builder” is a single premium Unit-Linked Insurance Plan that lets you pay a one-time lump sum and choose a maximum life insurance cover of 10 times the single payment.
The plan combines the benefits of life insurance coverage with the potential for wealth creation. It provides a life cover to protect your loved ones in case of an unfortunate event, while also offering opportunities for long-term savings and investment growth.
The plan allows flexibility in premium payment options. You can choose to pay premiums annually, semi-annually, quarterly, or monthly, depending on your convenience and financial capabilities.
The HDFC Life Wealth Builder plan offers a range of investment funds with different risk profiles, allowing you to choose funds based on your risk appetite and investment goals. The funds may include equity-oriented funds, debt funds, or a combination of both.
The plan provides the flexibility to switch between different investment funds based on your changing investment preferences or market conditions. You can also redirect future premiums into different funds to optimize your investment strategy.
The plan allows partial withdrawals from the accumulated fund value after a specified period, providing liquidity to meet your unforeseen financial needs.
Unit linked Insurance – Plan 6
HDFC Life Wealth Elite
The HDFC Life Wealth Elite plan is a unit-linked insurance plan (ULIP) offered by HDFC Life Insurance. Here are some potential benefits of the HDFC Life Wealth Elite plan:
Key Features of HDFC Life Wealth Elite
Life insurance coverage: The plan provides life insurance coverage to ensure financial protection for your loved ones in the event of your unfortunate demise. The sum assured offers a lump sum amount to your family, helping them maintain their financial stability.
Dual benefit of life insurance and wealth creation: The plan combines the benefits of life insurance coverage with the potential for long-term wealth creation. It allows you to systematically save and invest over the policy term, enabling the growth of your wealth.
Multiple investment fund options: The HDFC Life Wealth Elite plan offers a range of investment funds with varying risk profiles. You can choose funds that align with your risk appetite and investment goals. The funds may include equity-oriented funds, debt funds, or a combination of both.
Fund-switching and premium redirection: The plan allows you to switch between different investment funds based on your changing investment preferences or market conditions. You can also redirect future premiums into different funds to optimize your investment strategy.
Partial withdrawal facility: The plan offers a partial withdrawal facility, allowing you to withdraw a portion of the accumulated fund value after a specified period. This feature provides liquidity and flexibility to meet your financial needs.
