Life Insurance

• Limited premium paying terms of 7 or 10 years.
• Insurance coverage throughout the policy term.
• Minimum 3% guaranteed1 reversionary bonus during the premium paying term.
• This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.

¹Reversionary Bonus is guaranteed during the premium payment term on sum assured, subject to policy being in force and all due premiums being paid.

• Limited premium endowment plan with an option to extend life coverage up to 100 years under whole life coverage
• Guaranteed Additions of 3% p.a. to 5% p.a. of “Sum Assured on Maturity” for first 5 years depending upon the policy term, provided the policy is in force (in addition to declared bonuses²).
• Limited premium payment term equal to policy term less 5 years.
• Your policy’s value will increase as we declare bonuses.
• Additional benefit paid in case of death due to an accident.
• Tax Benefit¹ under Section 80C and Section 10(10D) of Income Tax Act, 1961.

¹Tax benefits are subject to change from time to time.

²Bonuses are discretionary (calculated as percentage of Sum Assured on Maturity) and are not guaranteed. Please refer sales brochure for more details.

• Multiple term options to suit your needs:
  • Pay premiums for 8 years, enjoy cover for 12 years or 15 years.
  • Pay premiums for 10 years, enjoy cover for 15 years.
• Guaranteed Additions¹ of 3% p.a. during the first five policy years.
• Bonuses²declared at the end of each financial year.
• Additional death benefit in case of death due to accident.
• Once your policy acquires Guaranteed Surrender Value (GSV), your death benefit³ continues for next one year even if you miss a premium payment.
• Simple issuance process.

¹Guaranteed Additions will accrue at the rate of 3% p.a. of Sum Assured on maturity during the first five policy years and are payable at maturity or death, whichever is earlier.

²A simple Reversionary Bonus as a percentage of the 'Sum Assured on Maturity' would be declared at the end of each financial year.

³For more details, please refer the section on “Auto Cover Continuance” in the Sales Brochure.

• Benefit of paying premiums for a limited term. Pay premiums for just 5 years for a policy term of 10 years.
• Flexibility to choose sum assured multiple between 10*times to 20 times annual premium.
• Free Asset Allocation: Flexibility to invest in any of the 4 funds available, create your own investment strategy by switching or redirecting future premiums.
• Tax benefits# under sections 80C and 10(10D) of the Income Tax Act 1961.

In this plan, your premiums (net of charges) will be invested in the fund(s) as per the investment option of your choice. On maturity of the plan, you will receive the fund value as per the investment option selected by you. In case of your unfortunate death during the policy term, your nominee will receive the greater of Sum Assured (less withdrawals¹) or fund value.

* Minimum Sum Assured multiple for Age at Entry of 45 years and above is 7 times Annual Premium.

¹For more details, please refer the Product brochure.

# Tax benefits are governed by prevailing tax laws and are subject to changes. You are requested to consult your tax advisor.

• Flexibility to choose from 8 different funds.
• Flexibility to choose sum assured.
• Additional benefit in case of death due to an accident.

• Valuable financial protection to your family.
• Flexible additional benefit options.
• Opportunity to invest in 8 different funds.

At the end of the policy term, you will receive the accumulated value of your fund(s).

This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.

• Flexibility to choose your investment term from 10 to 25 years.¹
• Customize your premium payment options Single, Limited or Regular.
• Choice of 3 Benefit Options to suit your financial requirements
• Option of Accidental Death Benefit
• Loyalty Additions to enhance your fund value after 10 years
• Reduced premium allocation charge on investing higher premium amount.²
• Choose from a range of 8 fund options.
• This plan is available with limited underwriting norms with a Short Medical Questionnaire (SMQ) if the conditions are met. Otherwise, the plan will be offered through full underwriting.

¹11 to 14 years terms are not available.

²Available for premium of 1 lakh & above for limited & regular premium payment options and 10 lakhs & above for single premium payment option.

• Guaranteed¹ benefits payable on maturity provided all due premiums have been paid
• Guaranteed¹ benefits will vary by policy term in a range of 180% to 460% of the Sum Assured on Maturity
• Premium payment for limited period of 5, 8 and 10 years
• Flexibility to choose policy terms ranging from 10 years and 15 years to 40 years
• This plan is available with a Short Medical Questionnaire (SMQ) based underwriting

¹Provided the policy is in-force and all due premiums have been paid. On survival, at end of policy term, you will receive lump sum benefit equal to aggregate of Sum Assured on maturity and Accrued Guaranteed Additions. For e.g. If you choose a policy term of 10 years, the guaranteed benefit on maturity will be 180% of Sum Assured. For a policy term of 40 years, the guaranteed benefit on maturity will be 460% of Sum Assured.

• Valuable financial protection to your family in case you are not around.
• Flexible additional benefit options.
• Flexibility to choose any sum assured multiple from 10*to 40 of the annual premium.
• Opportunity to invest in 8 different funds.

* Minimum Sum Assured multiple for Age at Entry of 45 years and above is 7 times Annual Premium.

• Enjoy regular income for period of 8 to 15 years after premium payment term.
• Survival Benefits varying from 8.0% to 12.5% of Sum Assured on Maturity payable each year during payout period.
• Boost your regular income at maturity with reversionary bonuses¹and terminal bonus¹, if any.
• Range of premium payment and policy term options to meet your income goals.
• Insurance coverage throughout the policy term
• This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.

¹Bonuses are discretionary (calculated as percentage of Sum Assured on Maturity) and are not guaranteed. Please refer sales brochure for more details.

• Benefit of paying single premium.
• Benefit of financial protection for your loved ones.
• Benefit of paying Single Premium Top-Ups¹.
• In this single premium unit linked insurance plan, your premiums (net of charges) will be invested in the fund(s) as per your choice.
• Flexibility to invest among 4 fund options available, create your own investment strategy by switching or redirecting future premiums.

Plan can be availed by filling short medical questionnaire, which may not require you to go for medicals.

¹Subject to Terms and Conditions

• Protect your investment from market risks with an Assured Maturity Benefit.
• Pay premiums only once or for a limited period of 5 years.
• Get increasing Loyalty Additions from the end of the 6^thpolicy year onwards to boost the Fund Value.
• Stay protected during the entire policy term with life insurance cover.

• Affordable premiums starting as low as Rs.100¹ per month.
• Multiple term options to suit your needs.
  • Choose to pay a lump sum single premium and get life coverage for 5 to 20 years.
  • Choose to pay premiums for 5 to 10 years and get life coverage for 10 to 20 years.
• Hassle free issuance based on Declaration Of Good Health (DOGH).
• Your policy’s value will increase as we declare bonuses.
• Even if you miss paying your premiums, the insurer continues to pay full Death Benefit² for 2 years from the date of last unpaid premium.
• Guaranteed return of Premiums on Maturity/Death.

1 Premium amount calculated for an 35 year old male, Policy Term- 15 years, Premium payment term- 8 years, Monthly Premium-Rs. 100, Sum Assured- Rs.10,002, exclusive of taxes. The minimum premium amounts shall exclude any underwriting extra premiums, any loadings for modal premiums and any taxes paid as applicable.

2 Please check Auto Cover Continuance section in the product brochure.

• A life insurance plan with opportunity to earn market linked returns.
• Option to choose between Single Life and Joint Life¹ (life coverage for two individuals wherein a lump sum is paid on the second death of the two lives assured) Coverage Variant.
• Under Joint Life Coverage Variant, on first death the surviving life has the option to withdraw entire fund value (including top up fund value) and continue with a full life cover for rest of the policy term.
• Under Joint Life coverage variant, death benefit would be payable only after both the lives assured die and nothing is payable on the death of first life assured alone. However, on first death, the fund value will be set to be higher of 125% of Single premium or balance in the unit fund.
• Loyalty Additions will be allocated as extra units at the end of the 10th Policy year to boost your Fund Value provided no Partial Withdrawals have been exercised.
• Tax Benefits are governed by prevailing tax laws. You are requested to consult your tax advisor.
• Investment flexibility with 10 funds: Unlimited free switches allowed.
• Benefit of rupee cost averaging with Systematic Transfer Plan (STP).

1. Under Joint Life Coverage Variant, on first death the surviving life has the option to withdraw entire fund value (including top up fund value) and can continue with full life cover for rest of the policy term.

• Life Insurance cover: Sum Assured on Death which is at least 10 times the Annualised¹ /Single Premium.
• Guaranteed² Lump Sum at Maturity: You know the exact amount that you shall get at maturity of the Policy, when you pay all the due premiums.
• Premium Payment Flexibility: Pay for 5 or 7 years at a frequency of your choice or just pay once.
• Simplified Issuance: Policy issued on self-declaration of good health. No need to undergo medical examination.
• Tax Benefits³ u/s 80C & 10(10D) may be available as per the prevailing tax laws.

¹Annualised premium shall be the premium payable in a year chosen by the policyholder, excluding the underwriting extra premiums, loadings for modal premiums, taxes and other statutory levies, if any.

²Provided all due premiums have been paid and the policy is in force.

³Subject to provisions as per Income Tax Act, 1961. Tax laws are subject to change.

• HDFC Life Click 2 Retire is an online Pension Plan.
• The plan charges only FMC and Investment Guarantee Charge, i.e. there are:
  • No Premium Allocation charge
  • No Policy Administration charges
• Secure your retirement with assured vesting benefit and also gain from upside in the market.
• Option to start as early as 18 years.
• Lower vesting/maturity age of 45 years.
• Limited Pay & Single Pay – Options available in one product.
• Death benefits to the nominee which will be higher of the fund value of your policy at the time of death or 105% of premiums paid till then.

• Secure your retirement with assured vesting benefit and also gain from upside in the market.
• Loyalty additions in the form of Pension Multipliers every alternate year, starting in the 11^thyear.
• Option to start as early as 18 years.
• Lower vesting/maturity age of 45 years.
• Limited Pay & Single Pay – Options available in one product.
• Death benefits to the nominee which will be higher of the fund value of your policy at the time of death or 105% of premiums paid till then.

• Comprehensive cover for an extensive list of cardiac conditions and procedures.
• Fixed lump sum payout irrespective of actual expenses incurred for diagnosis/procedure.
• Multiple Claims of same or different conditions / procedures can be covered subject to the exhaustion of applicable Sum Insured.
• Option to choose Indexation benefit to ensure you stay ahead of medical inflation.
• Option to choose Hospitalization benefit to get lump sum payout in case you are hospitalized due to any of the covered conditions.
• Tax benefits* under Section 80D of the Income Tax Act 1961.

*Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.

• Comprehensive cancer plan that provides financial protection to you and your family against early or major stages of cancer.
• Lump sum payout is provided on diagnosis of major as well as early stages of cancer.
• Future Premiums for next 3 policy years will be waived off on receiving a valid claim of cancer diagnosis.
• Receive Income benefit for next 5 years, under Platinum option.
• Under Gold and Platinum option, the Sum Insured will be increased by 10% every year. This will continue till the increased Sum Insured becomes 200% of the Initial Sum Insured.
• All benefits and payouts are independent of any other health insurance plan.
• Provides tax benefits* on premiums paid up to `55,000 under Sec 80D of the Income-Tax Act, 1961

*Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.

• Flexibility: Pay Single / Regular Premium based on your convenience.
• Daily Hospital Cash Benefit: Daily Hospital Cash Benefit available from Rs. 250 to Rs. 5000 per day as per your requirement.
• Surgical Benefit: Get lump sum payout in case of any of the 138 surgeries specified.
• Critical Illness Benefit: Lump sum payout in case diagnosed with any of the 18 Critical Illnesses specified.
• Value For Money: Avail Multiple Claim; Get Double Benefit in case of hospitalization in ICU.
• Receive tax benefits* under Section 80D as per applicable tax laws.

*Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.

• Guaranteed Additions of 3% of sum assured on vesting that get accrued for each completed policy year.
• A lump sum Vesting Addition payable at vesting.
• Choose premium paying terms of 5, 7 or 10 years.
• Guaranteed Death Benefit equal to total premiums paid to date accumulated at 6% per annum.

• Wide range of annuity options to cater to your needs.
• Option to receive annuity as long as you or your partner is alive.
• Option to receive annuity monthly, quarterly, half-yearly or yearly.
• Benefit of higher annuity rates for large purchase price.
• Return of Purchase Price option on death and critical illness.
• Guaranteed¹ income source for life – Annuity once purchased is guaranteed for lifetime.

¹The word “Guaranteed” and “Guarantee” mean that annuity payout is fixed once the policy has been purchased.

• Wide range of annuity options to cater to your needs.
• Option to take the plan on a Single or Joint Life basis.
• Option to receive immediate or deferred annuity.
• Option to receive annuity monthly, quarterly, half-yearly or yearly.
• Option of Return of Purchase Price on death.
• Choice of increasing your Annuity Payouts through Top Up option.

• A participating endowment and money back plan with multiple options.
• 3 maturity benefit options that will help you match key milestones of your child’s aspirations.
• Under Classic Waiver Option, all future instalment premiums will not be required to be paid.
• Boost your payouts with Guaranteed Additions (GA)¹ accruing in the first 5 years of your policy, payable at maturity.
• Range of premium payment and policy term options that gives you flexibility to plan for various goals for your child.
• Insurance coverage throughout the policy term by paying premiums for limited period.
• The plan is available with a Short Medical Questionnaire (SMQ) based underwriting.
• Tax Benefits2 under Section 80C and Sec 10(10D) of Income Tax Act 1961.

¹Guaranteed Additions (Calculated as a % of Sum Assured on Maturity) for Policy Term <=19 years is 3% p.a. for first 5 policy years and forPolicy Term >=20 is 5% p.a. for first 5 policy years. Provided the policy is in forceand the premiumpayment term is 10 years or more.

²Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.

• Valuable financial protection for your child.
• Yearly payments to your family in case of your unfortunate demise.
• Flexible Benefit Payment Preferences: Save Benefit or Save-n-Gain Benefit.
• Opportunity to invest in 4 different funds.
• The plan is available with a Short Medical Questionnaire (SMQ) based underwriting.

• Sum Assured of up to 40 times your annualized premium.
• Choice of 3 Benefit Options - Classic, Premier and Elite.¹
• Premium Waiver Benefit - Waiver and funding of 3 annual premiums on:
  • Birth of child with congenital disorder or pregnancy complications.
  • Diagnosis of malignant cancer of female organs.
  • Death of spouse.
• Additional periodic cash payouts under Premier and Elite Option.
• Enhanced Allocation Rate from 11^th year onwards.
• Options to choose from 4 funds to suit your risk appetite.

This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.¹Please refer the Product Brochure for details.