Discover life insurance plans to cater to your specific needs.
In Partnership with HDFC Life, we offer investment plans that give you the flexibility to choose between market-linked returns or guaranteed1 returns, depending on your financial objectives.
Safeguard your family’s future with our Insurance Plans
Explore our Insurance Solutions
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Savings Plan
HDFC Life Sanchay Plus
UIN: 101N134V20
Looking for safe financial instrument which provides alternate source of income.
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Guaranteed 1 Income4 for period of 25 or 30 years
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Get Back Premiums as Guaranteed1 Lumpsum Benefit4 on maturity
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Life Cover to protect your family
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Savings Plan
HDFC Life Click 2 Achieve- Smart Student
UIN: 101N186V02
A Non-Linked, Non-Participating, Individual Savings Life Insurance Plan that offers flexibility to customise the benefits.
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Guaranteed1 Benefits
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Flexibility in choice of benefits
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Increasing upto 10% p.a18
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Savings Plan
HDFC Life Sanchay Par Advantage
UIN: 101N136V03
Enjoy Lifelong regular income with flexibility of payouts and whole life cover1.
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Whole life cover + Lifelong Income3
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Accumulate survival benefits
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Immediate income option for your various needs
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ULIP Plans
HDFC Life Smart Protect Plan
UIN: 101L175V01
A comprehensive plan that caters to your long-term savings requirements while also offering life protection coverage.
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Get upto 100 times13 of your premium as sum assured
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Get a minimum Assured Benefit8 in the form of capital guarantee
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Boost your fund value with 4 kinds of Loyalty Additions
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Retirement : Annuity
HDFC Life Systematic Retirement Plan
UIN:101N143V07
A limited premium deferred annuity plan with flexibility to choose premium payment term, deferment period and annuity payout date.
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Pay premiums systematically for a limited premium paying term
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Option to defer annuity payouts by choosing the deferment period
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Guaranteed1 income for whole of life
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Option to receive annuity monthly, quarterly, half-yearly
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Option of Return of Total Premiums Paid on death
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Retirement:Pension
HDFC Life Guaranteed Pension Plan
UN: 101N092V13
A traditional pension plan to invest for a shorter tenure and get guaranteed returns2 as post retirement income.
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Choice of premium posting term between Single and Limited Pay (5 to 12 years)
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Get Guaranteed Additions of 3% of Sum Assured on vesting for each completed policy year.
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Get guaranteed 1 death benefit equal to total premiums paid to date accumulated of 6% per annum.
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Why Choose HDFC Life Sanchay Plus?
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Safeguard your family's future with life cover.
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Enjoy a consistent retirement income through the Life Long Income Option.2
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Benefit from guaranteed1 payouts.
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Choose from flexible income terms of 10, 12, 25, 30 years, or lifelong.
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Take advantage of tax benefits in accordance with prevailing tax laws.3
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Receive a refund of total premiums paid at the end of the payout period.4
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Why choose HDFC Life Sanchay Par Advantage?
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Whole life cover + life long cover 1option Immediate income option for your various needs
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Enjoy enhanced benefits for policies with Annual Premium of ₹ 1lakh and above
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Accumulate survival benefits
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Choose Payout Period based on your various milestones and financial goals.
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Why choose HDFC Life Smart Protect Plan?
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Select from4 Plan Options based on your specific needs.
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Enhance your fund value with 4 types of Loyalty Additions, including returns on Mortality Charge, Premium Allocation Charge, Fund Management Charge, and Investment Guarantee Charge.
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Enjoy a Minimum Assured Benefit1 with capital guarantee, regardless of market fluctuations.
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Optimise your investment returns by choosing from6 Funds 2
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Flexibility to choose between Regular or Limited premium payment options (5 to 12 years).
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Option to reduce your Death Benefit Cover after a chosen period with Decreasing Cover and Decreasing Cover with Capital Guarantee plan options.
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Why Choose Click2Achieve Smart Student Plan?
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Ensure a stable income stream for 3 to 5 years to cover planned educational expenses.
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Enjoy the flexibility to choose the age at which your child's income begins, either at 16 or 18 years.
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Provide peace of mind concerning your child's future, with a built-in premium waiver in case of occurrences like death, critical illness, and
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total permanent disability.
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Acknowledge and reward exceptional achievements with the Outstanding Achievement Award.
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Systematic Retirement Plan- Retirement : Annuity
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Make regular premium payments for a specific limited premium payment period
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Choose to delay Annuity payouts by selecting the Deferment Period
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Assured income guaranteed1 for your entire life
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Choose to receive annuity payments on a monthly, quarterly, half-yearly, or yearly basis
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Option to receive a refund of all premiums paid in case of death
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Why choose Guaranteed Pension Plan?
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Every completed policy year, 3% of the Sum Assured is added as Guaranteed Additions upon vesting.
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You have the liberty to select either a Single Payment or a Limited Payment Term (ranging from 5 to 12 years) for premium payments.
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At the time of vesting, a lump sum Vesting Addition will be paid out.
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The Guaranteed Death Benefit is calculated by accumulating the total premiums paid to date at an annual rate of 6%.
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Not sure which insurance suits your needs?
Talk to us! Let us help you.
Mail us: outreach.insurance@incredwealth.com
Call us: 8044633460
Frequently Asked Questions
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Yes, the premiums paid for a life insurance policy can be claimed as a tax benefit under section 80C of the Income Tax Act. Additionally, tax benefits are also applicable on the maturity benefit under section 10(10D) of the Act.
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Life Insurance provides a payout to the nominees in the event of the policyholder's death. There are several types of Life Insurance policies available that can be chosen based on an individual's specific needs and life goals.
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Life Insurance is a contract between a policyholder and a Life Insurance company wherein the policyholder pays regular premiums and the company pays a large sum of money to the nominated persons in case the policyholder passes away.
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Employer-provided Life Insurance policies may not always be enough for an individual's specific needs. In cases such as inadequate coverage or loss of coverage due to job change, it may be necessary to purchase additional policies.
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Insurance companies are regulated by the IRDA Act, 1999, to ensure the safety and security of the policyholders' funds. The IRDA regulates premium rates and terms, investment of policyholders' funds, and establishes norms to maintain the utmost security of all funds.
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Yes, businessmen can buy Keyman Insurance, which covers them or a key person in the business, or they can get Group Insurance for themselves and their employees.
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Yes, there are special Life Insurance policies available for individuals with lower incomes that come with more affordable premium costs.
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Yes, insurance companies allow changes to a policy, including changes in beneficiaries, coverage amount, and investment allocations.
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Staying invested for the full policy term ensures that the policyholder's family remains protected and they receive their maturity benefit by the end of it.
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Yes, loans can be taken against some Life Insurance policies.
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As long as the total amount of coverage and the specific needs from each policy are justified, it is okay to have multiple Life Insurance policies.
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Once a policy is purchased, the premium amount does not change unless there are taxation changes.
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Insurance companies offer multiple ways to pay premiums, including online, through various gateways, or directly at the branch.
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Policyholders have a grace period of 15 days to pay their premiums. If premiums are not paid even during the grace period, the policy lapses.
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Claims may be rejected due to inaccurate information, non-appointment of nominees, death not covered by the policy, non-disclosure of important information, or during the contestability period of the policy.
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Claims can be received in lump sums or in parts, in regular amounts for a fixed period, a fixed amount at regular intervals, or converted into an annuity.
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A claim typically takes around 30 days to be processed by the insurance company, but it can be settled in as little as 10 to 14 days if all documents are in order.
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- T&C*
- 1. Provided all due premiums have been paid and the policy is in force.
- 2. Applicable on choosing a policy term as (100 - age at entry) years.
- 3.This applies to Income Variant, whereby guaranteed income is paid on survival of Life Assured during the policy term, provided all due premiums are paid during the premium payment term
- 4. Additional Sum Assured on accidental death is paid under Extra Life Option.
- 5. Sum Assured multiple up to 100x depending upon entry age, premium payment term & policy term.
- 8. Assured maturity benefit will be paid only on policy maturity provided all due premiums have been paid and will not apply on death or surrender.
- * Subject to conditions specified u/s 80C of the Income tax Act, 1961. # Subject to conditions specified u/s 10(10D) of the Income tax Act, 1961. The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year. HDFC Life Sanchay Plus (UIN: 101N134V20) is a non-participating, non-linked savings insurance plan. HDFC Life Sanchay Par Advantage (UIN: 101N136V03), A Non-Linked Participating, Life Insurance Plan coverage is available in this product. HDFC Life Sanchay Fixed Maturity Plan (UIN:101N142V04) is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. Life Insurance Coverage is available in this product. HDFC Life Smart Protect Plan (UIN: 101L175V01) is a unit linked, non-participating individual life insurance product. HDFC Life Guaranteed Pension Plan (UIN: 101N092V13) is a non-linked non-participating pension plan. Life Insurance Coverage is available in this product. HDFC Life Systematic Retirement Plan (UIN:101N143V07) is an Individual/ Group, Non-Participating, Non linked, Savings Deferred Annuity Plan. Life Insurance Coverage is available in this product. HDFC Life Click 2 Achieve (UIN: 101N186V02) A Non-Linked, Non-Participating, Individual, Savings Life Insurance Plan Life Insurance Coverage is available in this product. HDFC Life Sampoorn Nivesh (UIN No: 101L103V03) is a Unit Linked Non Participating Life Insurance Plan. Life Insurance Coverage is available in this product HDFC Life Click 2 Wealth (UIN:101L133V03) is a Unit Linked Non-Participating Individual Life Insurance Plan. Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, The name of the company, name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
- 18. Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime.
- #Tax benefits & exemptions are subject to conditions of the Income Tax Act, 1961 and its provisions.
- #Tax Laws are subject to change from time to time.
- #The customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.
- 19. In ULIP Plan, the investment risks in the investment portfolio is borne by the policyholder. @17.29% p.a. rate of return. Rate of return shown is fund performance of Diversified Equity Fund (for last 5 years). Please note that past fund performance is not indicative of future performance fund. Life Insurance is available in this plan. T&C Apply.
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- 1. Provided all due premiums have been paid and the policy is in force.
- 2. Lump sum benefit is available under Guaranteed Maturity option. Regular Income is available under Guaranteed Income, Long Term Income and Life Long Income options.
- 3. Applicable on choosing a policy term as (100 - age at entry) years.
- 4. This applies to Income Variant, whereby guaranteed income is paid on survival of Life Assured during the policy term, provided all due premiums are paid during the premium payment term
- 5. ROP – Return of Premiums. This applies to Income variant, whereby all base premiums are returned to policyholder on survival of Life Assured at maturity, provided all due premiums are paid during the premium payment term.
- 6. This feature is available in select products under the savings category. Please read the product brochure of your selected product to know the details.
- 7. The Guaranteed Additions will accrue at the rate of 3% p.a. of Sum Assured on maturity during the first 5 policy years and are payable at maturity or death, whichever is earlier.
- 8. Premium amount excludes any underwriting extra premiums, any loading for modal premium and taxes and levies as applicable.
- 9. Please refer Auto Cover Continuance section in the brochure.
- 10. Total Premiums Paid is the total of all the premiums received, excluding any extra premium, any rider premium and taxes.
- 11. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
- 12. Subject to conditions specified u/s 80C of the Income tax Act, 1961.
- 13. Subject to conditions specified u/s 10(10D) of the Income tax Act, 1961.
- 14. This is applicable for first year premium only for premium paying term (PPT) of 12 & 15.
- 15. Guaranteed Income Benefit (GIB) is paid on survival during the income payout term, provided all due premiums are paid during the premium payment term. The last installment of GIB is paid as part of maturity benefit and other installments are paid as part of survival benefits during the policy term
- 16. Quantum of benefits is guaranteed irrespective of the experience.
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17. Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime.
# The afore stated views are based on the current Income-tax law. Also, the customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.
- 18. 1 to 10% Simple Interest per annum, depending upon the increasing income percentage chosen. Applicable for Early income and income structure
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- In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.For Single premium, the special addition is 1% of the Single premium at inception only.
- 1. Opt for Settlement Option to receive maturity benefit in periodical instalments.
- 2. Partial withdrawals can be made from your funds after completion of 5 policy years, provided the Life Assured is atleast 18 years of age.
- 3. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
- 4. Additional Sum Assured on accidental death is paid under Extra Life Option.
- 5. In your policy documents we give the Critical Illness benefit the unique name of Extra Health Benefit, Accidental Death Benefit is called Extra Life Benefit and Accidental Total & Permanent Disability Benefit is called Extra Disability Benefit.
- 6. Death Benefit under the product - Sum Assured less all withdrawals made during the two year period immediately preceding the death of the Life Assured. Unit Fund Value based on the number of units and the Unit Price of the fund is also payable. The Minimum death benefit will be at least 105% of the total premiums paid.
- 7. Loyalty additions (as percentage of the average fund value) will be added to the fund value in the form of additional units from the end of 6th policy year onwards, provided all due premiums have been paid. The Loyalty Additions will be added for both Single Pay and Limited Pay policies.
- 8. Assured maturity benefit will be paid only on policy maturity provided all due premiums have been paid and will not apply on death or surrender.
- 9. Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2022-23.
- 10. Source - Crisil.com.
- 11. For Single premium, the special addition is 1% of the Single premium at inception only
- 12. Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options
- 13. Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime
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14. In ULIP Plan, the investment risks in the investment portfolio is borne by the policyholder. @17.29% p.a. rate of return. Rate of return shown is fund performance of Diversified Equity Fund (for last 5 years). Please note that past fund performance is not indicative of future performance fund. Life Insurance is available in this plan.
T&C Apply
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- 1. Provided all due premiums have been paid and the policy is in force.
- 2. Lump sum benefit is available under Guaranteed Maturity option. Regular Income is available under Guaranteed Income, Long Term Income and Life Long Income options.
- 3. Applicable on choosing a policy term as (100 - age at entry) years.
- 4. This applies to Income Variant, whereby guaranteed income is paid on survival of Life Assured during the policy term, provided all due premiums are paid during the premium payment term
- 5. ROP – Return of Premiums. This applies to Income variant, whereby all base premiums are returned to policyholder on survival of Life Assured at maturity, provided all due premiums are paid during the premium payment term.
- 6. This feature is available in select products under the savings category. Please read the product brochure of your selected product to know the details.
- 7. The Guaranteed Additions will accrue at the rate of 3% p.a. of Sum Assured on maturity during the first 5 policy years and are payable at maturity or death, whichever is earlier.
- 8. Premium amount excludes any underwriting extra premiums, any loading for modal premium and taxes and levies as applicable.
- 9. Please refer Auto Cover Continuance section in the brochure.
- 10. Total Premiums Paid is the total of all the premiums received, excluding any extra premium, any rider premium and taxes.
- 11. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
- 12. Subject to conditions specified u/s 80C of the Income tax Act, 1961.
- 13. Subject to conditions specified u/s 10(10D) of the Income tax Act, 1961.
- 14. This is applicable for first year premium only for premium paying term (PPT) of 12 & 15.
- 15. Guaranteed Income Benefit (GIB) is paid on survival during the income payout term, provided all due premiums are paid during the premium payment term. The last installment of GIB is paid as part of maturity benefit and other installments are paid as part of survival benefits during the policy term
- 16. Quantum of benefits is guaranteed irrespective of the experience.
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17. Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime.
# The afore stated views are based on the current Income-tax law. Also, the customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.
- 18. 1 to 10% Simple Interest per annum, depending upon the increasing income percentage chosen. Applicable for Early income and income structure
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- 1. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
- 2. Amount of guaranteed income will depend upon premiums paid subject to applicable terms and conditions.
- 3. Available only under ‘Life Annuity with Return of Purchase Price on diagnosis of Critical Illness’ option.
- 4. In the case of Joint Life annuities the payout continues till either of the lives chosen in the policy is alive.
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- 1. The word “Guaranteed” and “Guarantee” mean that annuity payout is fixed once the policy has been purchased.
- 2. Only for policies that are in-force. (3% of sum assured on vesting) that will get accrued for each completed policy year. Subject to policy being in force and all due premiums being paid. Conditions Apply.
- 3. Available only under ‘Life Annuity with Return of Purchase Price on diagnosis of Critical Illness’ option.
- 4. No entry and exit charge mean no premium allocation and no discontinuance charge respectively. Only Fund Management & Investment Guarantee Charges as applicable under this plan.
- 5. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
- 6. Provided all due premiums have been paid.
- 7. In the case of Joint Life annuities the payout continues till either of the lives chosen in the policy is alive.
- 8. The age mentioned is the age as per the last birthday.
- 9. Total Premiums Paid means total of all the premiums received, excluding any extra premium, any rider premium and taxes.
- 10. Amount of guaranteed income will depend upon premiums paid subject to applicable terms and conditions.
- 11. Loyalty addition would be added to the fund starting from 10 policy anniversary for the other than ‘Single Premium’ policies paying annualized premium of ₹ 1,00,000 at least and for all the Single Premium paying policies.
- 12. Depends on the policy term and the chosen premium paying term.
*T&C Apply
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