HDFC Life Investment Plans

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Types of Investment Plans offered by HDFC Life

HDFC Life has a wide portfolio of pensions, savings, investments, protection and health plans. Read more to find out about the various investment plans offered by HDFC Life.

Note: All information related to Product Benefits and Eligibility Details has been sourced from the official website of HDFC Life.

HDFC SL ProGrowth Super II

This is a smart savings-cum-insurance unit linked plan which focuses on helping you achieve your long-term savings.

Product Benefits

Comes in 8 options

Life Option = Death Benefit
Extra Life Option = Death Benefit + Accidental Death Benefit
Life & Health Option = Death Benefit + Critical Illness Benefit
Extra Life & Health Option = Death Benefit + Critical Illness Benefit + Accidental Death Benefit
Life & Disability Option = Death Benefit + Accidental Total & Permanent Disability Benefit
Extra Life & Disability Option = Death Benefit + Accidental Death Benefit + Accidental Total & Permanent Disability Benefit
Life & Health & Disability Option = Death Benefit + Critical Illness + Accidental Total & Permanent Disability Benefit
Extra Life & Health & Disability Option = Death Benefit + Accidental Death Benefit + Critical Illness + Accidental Total & Permanent

Disability Benefit

You are entitled to tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961.
You can pay the premium online.
You can select your policy term of 10 years or from 10-15 years.

Eligibility Details

Life Option

Entry Age	14-65 years
Maturity Age	75 years
Policy Term	10-30 years

Extra Life Option

Entry Age	18-55 years
Maturity Age	70 years
Policy Term	10-30 years

Life and Extra Health Option

Entry Age	18-55 years
Maturity Age	65 years
Policy Term	10-30 years

Extra Life and Health Option

Entry Age	18-55 years
Maturity Age	65 years
Policy Term	10-30 years

Life and Disability Option

Entry Age	18-55 years
Maturity Age	65 years
Policy Term	10-25 years

Extra Life and Disability Option

Entry Age	18-55 years
Maturity Age	65 years
Policy Term	10-25 years

Life and Health and Disability Option

Entry Age	18-55 years
Maturity Age	65 years
Maturity Age	10-25 years

HDFC Life Classic One

This is a single premium Unit Linked Insurance Plan which offers life coverage for two individuals along with loyalty additions.

Product Benefits

Option to select single or joint life cover.
You will receive loyalty additions to your fund post 10th year of policy completion.
Option to invest in 9 different funds with unlimited free switches.
Maturity benefit will be the fund value for single as well joint life cover.
Death benefit payable will be Sum Assured where Sum Assured is highest of Total Sum Assured less an amount for Partial withdrawals made, if any, where Total Sum Assured is Basic Sum Assured plus any additional Sum Assured in respect of Top-ups OR Total Fund value where Total Fund value includes Single Premium Fund Value plus Top-up Premium Fund value OR 105% of Total premiums paid (including Top-up premiums, if any).
For Joint Life Option - Sum Assured on death is payable as a lump sum on the demise of both the lives assured during the Policy Term.
Settlement option upon maturity.
Facility of Systematic Transfer Plan.

Eligibility Details

	Single Life	Joint Life
Entry Age	0-40 years	18-80 years
Maturity Age	18-50 years	28-90 years
Policy Term	10 years - 50 minus age at entry	10 years - 90 minus age at entry
Sum Assured	1.25x Single Premium 10x Single Premium	10x Single Premium
Single Premium	₹2,00,000 -Min No limit - Max	₹2,00,000 -Min No limit - Max

HDFC Life Sampoorn Samridhi Plus

This is a whole life insurance plan which provides cover for your entire life.

Product Benefits

Flexibility to select your policy term.
Guaranteed additions – up to 5% of Sum Assured on maturity for first 5 years.
Option to select endowment with Whole Life where a lump sum amount is payable at the end of policy term + Sum Assured on maturity payable on survival till the age of 100 years or on death, whichever is earlier.
Maturity benefit will be:
- Endowment: Sum Assured on Maturity + Accrued Guaranteed1 Additions + Accrued Reversionary bonuses + Interim Bonus (if any) + Terminal Bonus (if any) on maturity
- Endowment with Whole Life: Benefit payable under Endowment Option + Sum Assured on Maturity payable on survival till age 100 years or death whichever is earlier
Death benefit payable will be Sum Assured on Death + Accrued Guaranteed Additions + Accrued Reversionary Bonuses + Interim bonus (if any) + Terminal bonus, if any.
Entitled to Accidental Death Benefit.

Eligibility Details

Entry Age	30 days to 60 years
Maturity Age	18-75 years
Policy Term	15-40 years
Premium Paying Term	Policy Term less 5 years
Sum Assured	₹65,463
Premium Payment Frequency	Yearly: ₹ 12,000 Half Yearly: ₹ 6,000 Quarterly: ₹ 3,000 Monthly: ₹ 1,000 Maximum: No limit, subject to underwriting

HDFC Life Guaranteed Savings Plan

This is a non-linked non-participating endowment life insurance plan which offers a guaranteed lump sum amount on maturity.

Product Benefits

Flexibility to select premium payment term.
You are entitled to tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961.
Sum Assured on death is 10 x Annualised/Single Premium.
Maturity benefit will be Sum Assured based on the Premium Payment Term, Premium frequency and Premium amount, provided you have paid all the premiums.
Death benefit payable will be highest of 10 times the Single Premium/Annualised Premium, for Single Pay/Limited Pay respectively OR 105% of Total Premiums paid OR Sum Assured on Maturity OR Any absolute amount assured to be paid on death, which is equal to the Sum Assured on maturity.
You can avail a loan against this policy.

Eligibility Details

Entry Age	8-45 years (SP) 55 years (LP)
Maturity Age	18-55 years (SP) 65 years (LP)
Policy Term	10 years
Premium Paying Term	5-7 years
Maturity Sum Assured	₹30,359 - min ₹9,86,281 – max
Maturity Sum Assured (Single Premium)	MIN Rs. 5,572 – MAX Rs. 1,70,566
Premium Payment Frequency	MIN Rs. 5,000(Single Pay) Rs. 5,000(Annual) Rs. 2,535(Half-yearly) Rs. 1,275(Quarterly) Rs. 430(Monthly) MAX Rs. 1,00,000(Single Pay)

HDFC Life Classic Assure Plus

This is an insurance cum investment plan which offers guaranteed benefits and insurance coverage throughout the policy term.

Product Benefits

You are entitled to guaranteed reversionary bonus.
You can avail a loan against your policy.
Flexibility in premium payment.
You are entitled to tax benefits under section 80C and Section10(10D) of Income Tax Act 1961.
You are entitled to a discount if your sum assured is ₹10 lakhs or above.

Eligibility Details

For a 10 year policy term	Minimum	Maximum
Entry Age	8 years	55 years
Maturity Age	18 years	65 years
	For a 15 year Policy Term
Entry Age	3 years	60 years
Maturity Age	18 years	75 years
	For a 20 years Policy Term
Entry Age	30 days	55 years
Maturity Age	18 years	75 years

HDFC Life Super Income Plan

This is a non-linked participating limited pay money back life insurance plan which provides guaranteed benefits along with bonuses.

Product Benefits

You will receive regular income for a payout period of 8-15 years.
Upon maturity, a survival benefit of 8.0% to 12.5% of the Sum Assured will be payable each year during payout period.
Limited premium payment term.
Guaranteed income for a period of 8|10|12|15 years.

Eligibility Details

	Min	Max
Entry Age	- 2 (for policy term of 16 years) - 30 days (for policy term of 18 to 27 years)	59 (for policy term of 16 years) 57 (for policy term of 18 years) 55 (for policy term of 20 years) 53 (for policy term of 22 years) 51 (for policy term of 24 years) 48 (for policy term of 27 years)
Maturity Age	18 years	75 years

HDFC Life Sampoorn Nivesh

This is an investment cum insurance plan which offers multiple fund options for investment. This plan comes in three variants.

Classic - Where death benefit is highest of sum assured or fund value or 105% of the premiums paid.
Classic Plus - Where death benefit is higher of sum assured plus fund value or 105% of the premiums paid.
Classic Waiver - Where death benefit is higher of sum assured or 105% of premiums paid, plus modal premium (will be paid to the fund on the applicable premium due date and policy continues till maturity) plus fund value (will paid on applicable maturity date).

Product Benefits

Accidental Death Benefit under the Extra Life Option.
Maturity benefit will be the fund value.
Entitled to loyalty additions.
You are entitled to tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961.
Free 4 Fund Switch, Premium Redirection and Partial Withdrawal.
Comes with a policy term of 10|15|25 years.

Eligibility Details

Classic Life Option

	Min	Max - 5 Pay	Max - other than 5 pay
Entry Age (years)	18	53	58
Maturity Age (years)	28	63	68

Classic Extra Life Option

	Min	Max - 5 Pay	Max - other than 5 pay
Entry Age (years)	18	53	58
Maturity Age (years)	28	63	68

Classic Plus Option

	Min	Max - 5 Pay	Max - other than 5 pay
Entry Age (years)	0	48	50
Maturity Age (years)	18	58	60

Classic Waiver Option

	Min	Max - 5 Pay	Max - other than 5 pay
Entry Age (years)	18	47	50
Maturity Age (years)	28	57	60

HDFC Life Click2Invest ULIP

This is an online Unit Linked Insurance Plan which provides financial protection as well as market linked returns.

Product Benefits

Flexibility to select your policy term and premium payment term.
Option to choose from 8 different funds.
Zero premium allocation and policy administration charges
You are entitled to tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961.
Death benefit payable will be the highest of Sum Assured OR Fund Value OR 105% of the premiums paid.

Eligibility Details

Entry Age	0-65 years
Maturity Age	18-75 years
Policy Term	5-20 years
Premium Paying Term	Regular Limited Single
Sum Assured	125 % of Single Premium; 10x Annualized Premium; 7 x Annualized Premium
Premium Payment Frequency	Single: ₹ 24,000 Annual: ₹ 12,000 Half Yearly: ₹ 6,000 Quarterly: ₹ 3,000 Monthly: ₹ 1,000

HDFC Life Capital Shield

This is an investment cum insurance plan which offers life cover along with higher returns.

Product Benefits

Maturity benefit payable will be a higher of Fund value OR Assured Maturity Benefit, where Assured Maturity Benefit = (101% * “Total Premiums” paid till date) less the Total Partial Withdrawals made till date (if any).
Death benefit payable will be the highest of Sum Assured less Partial withdrawals made (if any) OR Fund Value OR 105% of total premiums paid till the date of death.
You are entitled to Loyalty Additions from the end of 6th policy year.
Pay premiums only once or for a limited period of 5 years.

Eligibility Details

Premiums	Single Pay: Rs.48,000 Annual: Rs.48,000 Half Yearly: Rs.24,000 Quarterly: Rs.12,000 Monthly: Rs.4,000
Sum Assured	125% of Single Premium if age less than 45 years. 110% of Single Premium if age equal to 45 years or less. 10x Annual Premium (Limited) Entry age less than 45 years 7x-10x Annual Premium (Limited) Entry age between 45 years or 54years 7x Annual premium (Limited) Entry age 55years or above
Premium Paying Term	Single Limited - 5 years
Policy Term	10 years

HDFC Life Uday

Product Benefits

You can select multiple term options.
Option to select a monthly premium of ₹500 or an annual premium of ₹5000.
You will receive guaranteed additions of 3% p.a. during the first 5 policy years.
Additional Death Benefit option in case of death due to accident.
Entitled to bonuses, if any.
Maturity benefit payable will be an aggregate of Sum Assured on maturity plus Accrued Guaranteed Additions plus Accrued Reversionary bonus, Interim bonus and Terminal bonus, if any.
Death benefit payable will be the highest of Sum Assured on Death + Accrued Guaranteed Additions + Accrued Reversionary Bonuses + Interim bonus (if any) + Terminal bonus (if any) OR 105% of premiums paid till date.
Auto Cover Continuance.

Eligibility Details

Entry Age	18-55 years
Maturity Age	30-70 years
Sum Assured	₹ 28,465 - Min No limit on maximum.
Policy Term	12-15 years
Premium Paying Term	8 - 8 or 10 years

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How to Apply for HDFC Life Investment Plans?

Online Option

There are some plans which the company provides via the only mode only. To apply online, you need to register a login ID and password on the official website of the HDFC life company. Once logged-in, you need to select a specific policy, coverage plan and fill in the application form. Post selection, you can make the premium payment via debit/credit/net banking.

Offline Application

You can purchase multiple plans of HDFC Life from banks, agents, brokers, branch and intermediaries.

FAQs on HDFC Life Investment Plans

Why choose HDFC Life Investment Plans?

HDFC Life offers more than 15 investment and savings plans, which specialize in providing life cover and investment for you and your entire family. With a very strong base of financial consultants, it is advisable to choose HDFC Life Investment Plans.

Which is the best Investment Plan of HDFC Life for 2018?

There are more than 15 good investment and savings plans offered by HDFC Life. You can simply visit the online portal and check which one suits you the best.

How to pay premium? What are the modes of payment available?

You can pay the premium via the following modes ECS/Bill Pay/Yes-Axis Bank Debit/Credit Card/NEFT/Net Banking/Cash/Cheque/Branch Banking.

How can I check policy status for HDFC Life Investment Plans?

Simply visit the official e-portal of HDFC Life and login with your registered ID and password. Once you have successfully logged in, you can check your policy details.

Entry Age	30 days to 55 years
Maturity Age	Min 18 Max 65 (POLICY TERM 10 YEARS) 80 years (POLICY TERM 15 TO 25)
Policy Term	10\|15 to 25 years
Premium Payment Term	5\|8\|10 years

Entry Age	14 to 55 years
Maturity Age	65 years
Policy Term	10 years
Premium Payment Term	5 years