HDFC Life Guaranteed Wealth Plus
Fulfil all your dreams with guaranteed income1
UIN: 101N165V06
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Pay once or for a limited term, enjoy life insurance cover for full policy term
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Avail guaranteed16 benefit as Lump sum or as Regular Income + Lump sum both
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Guaranteed Income1 for during the payout term + 100% ROP5 at maturity
Safeguard your family’s future with our Insurance Plans
Why Choose HDFC Life Guaranteed Wealth Plus?
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Make a one-time payment or pay for a specific term and receive life insurance coverage for the entire duration of the policy.
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Enjoy the advantage of guaranteed3 benefits, available as either a lump sum or a combination of regular income and lump sum.
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Benefit from guaranteed income throughout the payout term, along with a 100% return of premium2 at maturity.
Disclamer:
1. 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.
2. 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.
3. Quantum of benefits is guaranteed irrespective of the experience.
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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Savings plans are life insurance products that offer the dual benefit of insurance coverage and savings. These plans require regular premium payments for a predetermined term or until maturity. The plans provide a guaranteed sum assured plus a bonus and can help individuals build wealth over time while also securing their financial future.
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InCred Wealth in partnership with HDFC Life offers various savings plans, including endowment plans, money-back plans, guaranteed savings plans, child plans, and retirement plans. These plans cater to different financial goals, including long-term saving, wealth creation, and retirement planning.
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The amount of investment in a savings plan depends on your financial goals, risk appetite, and income level. InCred Wealth offers a range of savings plans with flexible premium payment options that enable individuals to choose a premium amount that suits their budget and financial requirements.
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InCred Wealth website offers the facility to purchase HDFC Life Savings plans through our platform. Customers can enter their details on our website, and our Relationship Manager will reach out to them to complete the purchase process.
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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
