www.hdfclife.com
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Submitted URL: http://www.hdfclife.com/
Effective URL: https://www.hdfclife.com/
Submission: On February 20 via api from US — Scanned from DE
Effective URL: https://www.hdfclife.com/
Submission: On February 20 via api from US — Scanned from DE
Form analysis
7 forms found in the DOM<form class="appDownloadForm appLink" id="appLink" autocomplete="off">
<h3>Download HDFC Life App</h3>
<p style="font-size:14px;font-weight: 300;color: #233253;">Buy plans, track your policy, make renewal payments & monitor fund performance with HDFC Life App, Download Now!</p>
<div class="formInput form-group" style="display:none;">
<input placeholder="Enter your mobile number" class="appLink mobileNumber app-link" data-validation="mobileNo" maxlength="10" onkeypress="return event.charCode >= 48 && event.charCode <= 57" type="text" name="mobileNumber">
<label class="custom-check-box">I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my
registration on NCPR (National Customer Preference Registry) in this regard. <input type="checkbox" class="getAppLinkCheckHeader" checked="" name="ndfc_flag">
<span class="checkmark"></span>
</label>
<span class="error-txt"></span>
<span class="checkAppLinkHeaderError"></span>
<span class="message-success message-success-applink-header" style="display: none;"></span>
</div>
<div class="formBtnSubmit">
<button id="downloadLinkHeader" class="appLinkHeaderBtn appLinkHeaderBtn-header-data-layer" style="display:none;" type="submit">GET APP LINK </button>
<a rel="nofollow" target="_blank" href="https://hdfclife.onelink.me/1180682990/99d2bcfb">
<img data-src="/content/dam/hdfclifeinsurancecompany/icons/apple-icon.svg" alt="Apple Logo" title="Apple Logo" width="50" height="50" src="/content/dam/hdfclifeinsurancecompany/icons/apple-icon.svg" data-loaded="true">
</a>
<a rel="nofollow" target="_blank" href="https://hdfclife.onelink.me/1180682990/b165a46c">
<img data-src="/content/dam/hdfclifeinsurancecompany/icons/andriod-icon.svg" alt="Go to Google Play Store" title="Go to Google Play Store" width="50" height="50" src="/content/dam/hdfclifeinsurancecompany/icons/andriod-icon.svg" data-loaded="true">
</a>
</div>
</form>
<form class="appDwnldForm appLink hamLinkAcc">
<h3> Download HDFC Life App </h3>
<div class="mobPlanMenuAccordCont">
<div class="formInput" style="display: none;">
<input placeholder="Enter your mobile number" class="appLink mobileNumber app-link" data-validation="mobileNo" maxlength="10" onkeypress="return event.charCode >= 48 && event.charCode <= 57" name="mobileNumber" type="text">
<label class="custom-check-box">I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my
registration on NCPR (National Customer Preference Registry) in this regard. <input type="checkbox" class="getAppLinkCheckHeader" checked="" name="ndfc_flag">
<span class="checkmark"></span>
</label>
<span class="error-txt"></span>
<span class="checkAppLinkHeaderError"></span>
<span class="message-success message-success-applink-header-mob" style="display: none;"></span>
</div>
<div class="formBtn">
<p style="font-size:14px;font-weight: 300;color: #233253;">Buy plans, track your policy, make renewal payments & monitor fund performance with HDFC Life App, Download Now!</p>
<button type="submit" id="downloadLinkHeader appLinkHeaderBtn-header-data-layer" class="appLinkHeaderBtn" style="display: none;">GET APP LINK</button>
<a target="_blank" rel="nofollow" href="https://hdfclife.onelink.me/1180682990/99d2bcfb" aria-label="Form Link">
<img data-src="/content/dam/hdfclifeinsurancecompany/icons/apple-icon.svg" alt="Apple Logo" title="Apple Logo" width="22" height="22">
</a>
<a target="_blank" rel="nofollow" href="https://hdfclife.onelink.me/1180682990/b165a46c" aria-label="Form Link">
<img data-src="/content/dam/hdfclifeinsurancecompany/icons/andriod-icon.svg" alt="Go to Google Play Store" title="Go to Google Play Store" width="22" height="22">
</a>
</div>
</div>
</form>
<form autocomplete="off" class="schedule-a-call-back" data-page-name="Home Page">
<div class="row">
<div class="col-lg-4 col-sm-12">
<div class="inputGroup form-group"><label>Name</label><input type="text" class="first-name" placeholder="Name" name="first_name" data-validation="fullname">
<input type="hidden" name="categoriesCompo">
<input type="hidden" name="pageslugCompo">
<span class="error-txt"></span>
</div>
</div>
<div class="col-lg-4 col-sm-12">
<div class="inputGroup form-group"><label>Contact Number</label>
<input type="text" placeholder="+91" disabled="" class="isd">
<input type="text" placeholder="Mobile Number" class="modilewidth" name="phone" onkeypress="return event.charCode >= 48 && event.charCode <= 57" data-validation="mobileNo" maxlength="10">
<input type="hidden" name="source" value="call-me-now">
<span class="error-txt"></span>
</div>
</div>
<div class="col-lg-4 col-sm-12">
<div class="inputGroup">
<label>Select your insurance plan</label>
<div class="select-holder ">
<select id="insurance_category" aria-label="Insurance Category">
<option value="">Select Plan Type</option>
<option value="Health Plans">Health Plans</option>
<option value="Investment Plans">Investment Plans</option>
<option value="Protection Plans">Protection Plans</option>
<option value="Children's Plans">Children's Plans</option>
<option value="Savings Plans">Savings Plans</option>
<option value="Retirement Plans">Retirement Plans</option>
</select>
</div>
<span class="scb-plan-error error-txt"></span>
</div>
</div>
</div>
<div class="row">
<div class="col-sm-12 disc-text"><input type="checkbox" class="scb-checkbox" name="ndnc_flag" style="float:left;" checked=""><span class="chkbx">
<p>I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR
(National Customer Preference Registry) in this regard.</p>
</span>
<span class="scb-checkbox-error error-txt" style="line-height:15px; padding:0 0 10px 20px;"></span>
</div>
</div>
<div class="text-center contcaptcha">
<div class="g-recaptcha" id="headermodalcaptcha" data-captcha="true" data-callback="submitForm"></div>
</div>
<span class="msg-error error error-txt"></span>
<div class="row">
<div class="col-sm-12 text-center">
<button type="button" class="btn btn-primary btnred scheduleCallBtn" id="scheduleCallBtn">SUBMIT</button>
</div>
</div>
<small>
<p>This service is available between 9 AM - 9 PM IST<br> Disclaimer : By submitting your contact details, you agree to HDFC Life's Privacy Policy and authorize HDFC Life and/or its authorized Service Providers to verify the above information
and/or contact you to assist you with the purchase. This will override any NDNC registration made by you.</p>
</small>
</form>
#
<form action="#" id="hlvForm">
<div class="row basicdetails">
<div class="col-sm-4">
<div class="form-group">
<label for="firstName">*Enter first name</label>
<input type="text" class="form-control" id="firstName" name="firstName" data-validation="newfirstname">
<input type="hidden" value="https://onlineinsurance.hdfclife.com/ocp?source=NW_C2PL_LetsCalc_HP&agentcode=00399206&language=en" id="ocpLink">
<span class="error-txt"></span>
</div>
</div>
<div class="col-sm-4">
<div class="form-group">
<label for="phoneNumber">*Enter mobile number</label>
<div class="code">
<input type="text" class="form-control" name="phoneNumber" id="phoneNumber" onkeypress="return event.charCode >= 48 && event.charCode <= 57" data-validation="mobileNo" maxlength="10" autocomplete="off">
</div>
<span class="error-txt"></span>
</div>
</div>
</div>
<div class="row">
<div class="col-md col-sm-6 col-xs-12 form-group">
<label> *Current Age </label>
<input type="number" maxlength="2" inputmode="numeric" class="years" onkeydown="return event.keyCode !== 69 && event.keyCode !== 187 && event.keyCode !== 189 && event.keyCode !== 107 && event.keyCode !== 109"
min="0" id="current-age" oninput="javascript: if (this.value.length > this.maxLength) this.value = this.value.slice(0, this.maxLength);" data-validation="currentAge" required="" name="age">
<span class="side-text">Years</span>
<span class="error-txt"></span>
</div>
<div class="col-md col-sm-6 col-xs-12 form-group">
<label> *Desired Retirement Age </label>
<input type="number" maxlength="2" name="retirement-age" class="years" min="0"
onkeydown="return event.keyCode !== 69 && event.keyCode !== 187 && event.keyCode !== 189 && event.keyCode !== 107 && event.keyCode !== 109" id="retire-age" data-validation="retireAge"
oninput="javascript: if (this.value.length > this.maxLength) this.value = this.value.slice(0, this.maxLength);" inputmode="numeric" required="">
<span class="side-text">Years</span>
<span class="error-txt"></span>
</div>
<div class="col-md col-sm-6 col-xs-12 form-group">
<label> Educational Qualifications </label>
<div class="select-holder1">
<select aria-label="Default select example" id="qualification">
<option selected="" value="graduate"> Graduate and above </option>
<option value="nonGraduate">Non Graduate</option>
</select>
</div>
</div>
</div>
<h3 class="pad-top-fd"> Financial details </h3>
<div class="row">
<div class="col-md col-sm-6 col-xs-12 form-group slider-parent">
<label> *Annual income </label>
<span class="rupee">₹</span>
<input class="range-slider-input" data-comma-separation="true" data-validation="notEmpty" id="annual-income" type="text" name="annual-income" inputmode="numeric" pattern="\d[0-9]*" maxlength="12" required=""
oninput="javascript: this.value = this.value.replace(/[^0-9]/g, '')">
<span class="error-txt"></span>
</div>
<div class="col-md col-sm-6 col-xs-12 form-group slider-parent">
<label> *Monthly Expenses </label>
<span class="rupee">₹</span>
<input class="range-slider-input" id="monthly-expenses" data-comma-separation="true" data-validation="notEmpty" type="text" name="monthly-expenses" inputmode="numeric" pattern="\d[0-9]*" maxlength="12" required=""
oninput="javascript: this.value = this.value.replace(/[^0-9]/g, '')">
<span class="error-txt"></span>
</div>
<div class="col-md col-sm-6 col-xs-12 form-group slider-parent">
<label> Existing Insurance Cover </label>
<span class="rupee">₹</span>
<input class="range-slider-input" id="insurance-cover" data-comma-separation="true" type="text" name="existing-insurance-cover" oninput="javascript: this.value = this.value.replace(/[^0-9]/g, '')">
</div>
</div>
<div class="row">
<div class="form-group col-sm-12">
<label> Liabilities </label>
<div class="select-holder1 liabilities-sec">
<select class="form-select" id="liabilities">
<option selected="" value="0">No Liabilities</option>
<option value="1000000">Upto 10 Lacs</option>
<option value="2000000">Upto 20 Lacs</option>
<option value="3000000">Upto 30 Lacs</option>
<option value="4000000">Upto 40 Lacs</option>
<option value="5000000">Upto 50 Lacs</option>
</select>
</div>
<span class="error-txt"></span>
</div>
</div>
<div class="row">
<div class="col-sm-12">
<div class="checkbox-wrapper chk-break cmpcheck"> <input type="checkbox" id="agree-checkbox" name="ndnc_flag" checked="" class="chkdes">
<label for="agree-checkbox"></label><span class="checktxt fontsize12">
<p>I hereby consent to receive policy related / documents / application related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp and agree to
waive my registration on NCPR (National Customer Preference Registry) in this regard.</p>
</span>
<span class="agree-checkbox-error-txt error-txt" style="line-height:15px; padding-left:9px;padding-top:10px;"></span>
</div>
</div>
</div>
<button type="button" class="btn btn-primary btnred calc-btn getCalculated dataLayerHlv" id="calculateHlv">CALCULATE</button>
</form>
<form autocomplete="off" class="schedule-a-call-back" data-page-name="Home Page">
<div class="row">
<div class="col-lg-4 col-sm-12">
<div class="inputGroup form-group"><label>Name</label><input type="text" class="first-name" placeholder="Name" name="first_name" data-validation="fullname">
<input type="hidden" name="categoriesCompo">
<input type="hidden" name="pageslugCompo">
<span class="error-txt"></span>
</div>
</div>
<div class="col-lg-4 col-sm-12">
<div class="inputGroup form-group"><label>Contact Number</label>
<input type="text" placeholder="+91" disabled="" class="isd">
<input type="text" placeholder="Mobile Number" class="modilewidth" name="phone" onkeypress="return event.charCode >= 48 && event.charCode <= 57" data-validation="mobileNo" maxlength="10">
<input type="hidden" name="source" value="call-me-now">
<span class="error-txt"></span>
</div>
</div>
<div class="col-lg-4 col-sm-12">
<div class="inputGroup">
<label>Select your insurance plan</label>
<div class="select-holder ">
<select id="insurance_category" aria-label="Insurance Category">
<option value="">Select Plan Type</option>
<option value="Health Plans">Health Plans</option>
<option value="Investment Plans">Investment Plans</option>
<option value="Protection Plans">Protection Plans</option>
<option value="Children's Plans">Children's Plans</option>
<option value="Savings Plans">Savings Plans</option>
<option value="Retirement Plans">Retirement Plans</option>
</select>
</div>
<span class="scb-plan-error error-txt"></span>
</div>
</div>
</div>
<div class="row">
<div class="col-sm-12 disc-text"><input type="checkbox" class="scb-checkbox" name="ndnc_flag" style="float:left;" checked=""><span class="chkbx">
<p>I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR
(National Customer Preference Registry) in this regard.</p>
</span>
<span class="scb-checkbox-error error-txt" style="line-height:15px; padding:0 0 10px 20px;"></span>
</div>
</div>
<div class="text-center contcaptcha">
<div class="g-recaptcha" id="homePageCaptcha" data-captcha="true" data-callback="submitForm"></div>
</div>
<span class="msg-error error error-txt"></span>
<div class="row">
<div class="col-sm-12 text-center">
<button type="button" class="btn btn-primary btnred scheduleCallBtn" id="scheduleCallBtn">SUBMIT</button>
</div>
</div>
<small>
<p>This service is available between 9 AM - 9 PM IST<br> Disclaimer : By submitting your contact details, you agree to HDFC Life's Privacy Policy and authorize HDFC Life and/or its authorized Service Providers to verify the above information
and/or contact you to assist you with the purchase. This will override any NDNC registration made by you.</p>
</small>
</form>
<form class="singleInputForm" id="stayUpdated" autocomplete="off">
<input placeholder="Enter your email id" data-validation="emailaddress" type="email" name="email" class="emailAddress emailfooter">
<button id="subscribeButton" class="subscribeButton-data-layer">SUBMIT</button>
<span class="error-txt"></span>
</form>
<form class="singleInputForm" autocomplete="off" id="getAppLinkFooter">
<input placeholder="Enter your mobile number" class="appLink app-link" data-validation="mobileNo" maxlength="10" onkeypress="return event.charCode >= 48 && event.charCode <= 57" type="text" name="mobileNumber">
<button id="appButton" class="appButton-footer-data-layer">GET APP LINK</button>
</form>
Text Content
EN हि हिंदी में पढ़ें * Term Insurance * TERM INSURANCE PLANS * HDFC Life Click 2 Protect Super7% discount * HDFC Life Click 2 Protect Elite * HDFC Life Click 2 Protect Life VIEW ALL PLANS INSURANCE COVERAGE OPTIONS * 2 Crore Term Insurance * 1.5 Crore Term Insurance * 1 Crore Term InsuranceMust BuyTop Selling Explore Plan COVER AMOUNT * 75 Lakhs Term Insurance * 50 Lakhs Term Insurance * 30 Lakhs Term Insurance Explore Plan POLICY TERM * 40 Years Term Insurance * 35 Years Term Insurance * 30 Years Term Insurance Explore Plan COVERAGE FOR ALL AGES * Term Insurance Plan in 50s * Term Insurance Plan in 40s * Term Insurance Plan in 20s Explore Plan INCOME BASED PLANS * 45k Salary Term Insurance Plan * 40k Salary Term Insurance Plan * 35k Salary Term Insurance Plan Explore Plan INSURANCE FOR ALL * Term Insurance Plans for NRI * Term Insurance for Women * Term Return of PremiumTrending Explore Plan PRODUCT ARTICLES * HDFC Life Click 2 Protect Super * HDFC Life New Immediate Annuity Plan * HDFC Life Sanchay Plus Explore Plan TERM INSURANCE CALCULATOR * Claim Settlement Ratio99.39% Claim SettledMust Try 7 % Online Discount3 on Term Plan HDFC Life Click 2 Protect Super UIN: 101N145V02 Provides comprehensive financial protection to your family Key Features * Comprehensive protection as per your needs * Flexibility to choose from multiple coverage options * Option to extend policy term* Buy Online Explore Plan *Under Renewability Option at Maturity, the policyholder can choose to extend the term of their policy. 3.Discount is applicable for first year premium only of HDFC Life Click 2 Protect Super. 7% discount consists of 5% online discount, 2% existing customer discount. 1800-266-9777 * Investment Plans * SAVINGS PLANS * HDFC Life Sanchay PlusWith New Benefits * HDFC Life Click 2 AchieveNew Launch * HDFC Life Sanchay Par Advantage VIEW ALL PLANS ULIP PLANS * HDFC Life Sampoorn Nivesh * HDFC Life Smart Protect PlanNew Launch * HDFC Life Click 2 Wealth VIEW ALL PLANS CHILD PLANS * HDFC Life Click 2 AchieveNew Plan Option * HDFC Life YoungStar Udaan * HDFC SL YoungStar Super Premium VIEW ALL PLANS RETIREMENT - ANNUITY PLANS * HDFC Life Systematic Retirement Plan * HDFC Life Pension Guaranteed Plan * HDFC Life Smart Pension Plus New Launch VIEW ALL PLANS RETIREMENT - PENSION PLANS * HDFC Life Systematic Pension Plan * HDFC Life Guaranteed Pension Plan * HDFC Life Personal Pension Plus VIEW ALL PLANS OUR TOP FUNDS * HDFC Life Blue Chip Fund * HDFC Life Diversified Equity Fund * HDFC Life Flexi Cap FundNew Launch VIEW ALL FUNDS INVESTMENT CALCULATOR * Best Child Investment Plans MONEY BACK POLICY Receive 200% Return Of Premium HDFC Life Click 2 Achieve UIN: 101N186V02 Life Insurance Cover for financial security of your family Key Features * Flexibility in choice of benefits * Guaranteed Benefits * Increasing upto 10% p.a* Buy Online *1 to 10% Simple Interest per annum, depending upon the increasing income percentage chosen. Applicable for Early income and income structure 1800-266-9777 * Life Insurance Plans * TERM INSURANCE PLANS * HDFC Life Click 2 Protect Super * HDFC Life Click 2 Protect Elite * HDFC Life Click 2 Protect Life VIEW ALL PLANS SAVINGS PLANS * HDFC Life Sanchay PlusWith New Benefits * HDFC Life Click 2 AchieveNew Launch * HDFC Life Sanchay Par Advantage VIEW ALL PLANS ULIP PLANS * HDFC Life Sampoorn Nivesh * HDFC Life Smart Protect PlanNew Launch * HDFC Life Click 2 Wealth VIEW ALL PLANS RETIREMENT - ANNUITY PLANS * HDFC Life Systematic Retirement Plan * HDFC Life Pension Guaranteed Plan * HDFC Life Smart Pension Plus New Launch VIEW ALL PLANS RETIREMENT - PENSION PLANS * HDFC Life Guaranteed Pension Plan * HDFC Life Systematic Pension Plan * HDFC Life Smart Pension PlanNew Fund Launched VIEW ALL PLANS CHILD PLANS * HDFC Life Click 2 AchieveNew Plan Option * HDFC Life YoungStar Udaan * HDFC SL YoungStar Super Premium VIEW ALL PLANS OTHER PLANS * HDFC Life Sanchay Maximiser * Guaranteed Returns Investment Plans * Capital Guarantee Solution Combo Plans GROUP INSURANCE PLANS * HDFC Life Group Poorna Suraksha * HDFC Life Group Credit Protect Plus * HDFC Life Group Term Insurance VIEW ALL PLANS HEALTH INSURANCE PLANS * Click 2 protect optima secureNew Launch * HDFC Life Cardiac Care * HDFC Life Cancer Care VIEW ALL PLANS * INVESTMENT SOLUTIONS * Money Back Policy * Capital Guarantee Solutions * Sanchay Plans Explore Plans TERM INSURANCE COVER * 1 Crore Term Insurance * 2 Crore Term Insurance * 50 Lakhs Term Insurance Explore more TERM PLANS DURATION * 40 Years Term Insurance * 35 Years Term Insurance * 30 Years Term Insurance EXPLORE MORE INVESTMENT COVER * 1 crore investment plan * 10 lakh investment plan * 5 lakh investment plan Explore More INVESTMENT TENURE * investment plan for 5 years * investment plan for 10 years * investment plan for 20 years Explore More ULIP TENURE * ULIP returns in 5 years * ULIP returns in 10 years * ULIP returns in 25 years Explore More ULIP INVESTMENT * ULIP For Child Education * ULIP For Retirement * ULIP For Wealth Creation Explore More RETIREMENT PLANNING TENURE * 5 year retirement plan * 10 year retirement plan * 15 year retirement plan Explore More PENSION PLANNING * Annuity From NPS * Get monthly pension of 10K * Get monthly pension of 30K Explore More 7 % Online Discount3 on Term Plan HDFC Life Click 2 Protect Super UIN: 101N145V02 Provides comprehensive financial protection to your family Key Features * Comprehensive protection as per your needs * Flexibility to choose from multiple coverage options * Option to extend policy term* Buy Online Explore Plan *Under Renewability Option at Maturity, the policyholder can choose to extend the term of their policy. 3.Discount is applicable for first year premium only of HDFC Life Click 2 Protect Super. 7% discount consists of 5% online discount, 2% existing customer discount. 1800-266-9777 * Claims * Customer Service RESUME APPLICATION PAY PREMIUM All * Webpages * Documents Webpages Documents * HDFC Life ClassicAssure PlusInvestment * HDFC Life ClassicAssure PlusInvestment * HDFC Life ClassicAssure PlusInvestment * Customers * Individual * NRI Center * Employees * Mail * CRM * Goal * ESS * eSparsh * Partner * Goal * Consultants * Partner Portal-FC FOR NRI CUSTOMERS (TO BUY A POLICY) * CALL (ALL DAYS, LOCAL CHARGES APPLY) +91- 8916613503 * EMAIL ID buyonline@hdfclife.in * WHATSAPP +91 8291-890-569 -------------------------------------------------------------------------------- (IF YOU'RE OUR EXISTING CUSTOMER) * CALL (MON-SAT, 10AM-9PM IST, LOCAL CHARGES APPLY) +91-8916694100 * EMAIL ID nriservice@hdfclife.com FOR ONLINE POLICY PURCHASE (NEW AND ONGOING APPLICATIONS) * CALL (ALL DAYS & TOLL FREE) 1800-266-9777 * SCHEDULE A CALL Click here * WHATSAPP +91 8291-890-569 * GIVE MISSED CALL TO BUY A POLICY +91-9980970424 * EMAIL buyonline@hdfclife.in -------------------------------------------------------------------------------- BRANCH LOCATOR * LOCATE A BRANCH Try Now FOR EXISTING CUSTOMERS (ISSUED POLICY) * WHATSAPP +91 8291-890-569 * CALL (MON TO SAT, FROM 10 AM TO 7 PM, CALL CHARGES APPLY) 022-68446530 * EMAIL service@hdfclife.com -------------------------------------------------------------------------------- FUND PERFORMANCE CHECK * CALL (MISSED CALL) 0800-0006–609 Call To Buy 1800-266-9777 FUND PERFORMANCE * NAV * NAV Summary KNOWLEDGE CENTER * Insurance Basics * Tax * Investment * ULIP * Health * Retirement * Term * Child * Infographic ABOUT US * Leadership * Vision and Value * Awards * About HDFC Life * CSR Activities * Environment, Social and Governance * Investor Relations * Public Disclosure * Media Center * Futurance * Diversity, Equity and Inclusion * Partner code of conduct TOOLS & CALCULATORS * Income Tax Calculator * Retirement Calculator * Pension Calculator * Term Insurance Calculator * ULIP Calculator * BMI Calculator * Compound Interest Calculator * HRA Calculator * Investment Calculator * HLV Calculator * SIP Calculator * PPF Calculator * Explore Calculators QUICK LINKS * Contact us * Customer Assistance Guide * Careers * Branch Locator * Become a financial consultant Mobile (Download app) DOWNLOAD HDFC LIFE APP Buy plans, track your policy, make renewal payments & monitor fund performance with HDFC Life App, Download Now! I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard. GET APP LINK EN हि हिंदी में पढ़ें * Customers * Individual * NRI Center * Employees * Mail * CRM * Goal * ESS * eSparsh * Partner * Goal * Consultants * Partner Portal-FC RESUME APPLICATION PAY PREMIUM WHAT DO YOU WANT TO DO? * Term Insurance Term Insurance * Term Insurance Plans * HDFC Life Click 2 Protect Super * HDFC Life Click 2 Protect Elite * HDFC Life Click 2 Protect Life * VIEW ALL PLANS * Insurance Coverage Options * 2 Crore Term Insurance * 1.5 Crore Term Insurance * 1 Crore Term Insurance * Explore Plan * Cover Amount * 75 Lakhs Term Insurance * 50 Lakhs Term Insurance * 30 Lakhs Term Insurance * Explore Plan * Policy Term * 40 Years Term Insurance * 35 Years Term Insurance * 30 Years Term Insurance * Explore Plan * Coverage for all Ages * Term Insurance Plan in 50s * Term Insurance Plan in 40s * Term Insurance Plan in 20s * Explore Plan * Income Based Plans * 45k Salary Term Insurance Plan * 40k Salary Term Insurance Plan * 35k Salary Term Insurance Plan * Explore Plan * Insurance for all * Term Insurance Plans for NRI * Term Insurance for Women * Term Return of Premium * Explore Plan * Product Articles * HDFC Life Click 2 Protect Super * HDFC Life New Immediate Annuity Plan * HDFC Life Sanchay Plus * Explore Plan * Term Insurance Calculator * Claim Settlement Ratio * Investment Plans Investment Plans * Savings Plans * HDFC Life Sanchay Plus * HDFC Life Click 2 Achieve * HDFC Life Sanchay Par Advantage * VIEW ALL PLANS * ULIP Plans * HDFC Life Sampoorn Nivesh * HDFC Life Smart Protect Plan * HDFC Life Click 2 Wealth * VIEW ALL PLANS * Child Plans * HDFC Life Click 2 Achieve * HDFC Life YoungStar Udaan * HDFC SL YoungStar Super Premium * VIEW ALL PLANS * Retirement - Annuity Plans * HDFC Life Systematic Retirement Plan * HDFC Life Pension Guaranteed Plan * HDFC Life Smart Pension Plus * VIEW ALL PLANS * Retirement - Pension Plans * HDFC Life Systematic Pension Plan * HDFC Life Guaranteed Pension Plan * HDFC Life Personal Pension Plus * VIEW ALL PLANS * Our Top Funds * HDFC Life Blue Chip Fund * HDFC Life Diversified Equity Fund * HDFC Life Flexi Cap Fund * VIEW ALL FUNDS * Investment Calculator * Best Child Investment Plans * Money Back Policy * Life Insurance Plans Life Insurance Plans * Term Insurance Plans * HDFC Life Click 2 Protect Super * HDFC Life Click 2 Protect Elite * HDFC Life Click 2 Protect Life * VIEW ALL PLANS * Savings Plans * HDFC Life Sanchay Plus * HDFC Life Click 2 Achieve * HDFC Life Sanchay Par Advantage * VIEW ALL PLANS * ULIP Plans * HDFC Life Sampoorn Nivesh * HDFC Life Smart Protect Plan * HDFC Life Click 2 Wealth * VIEW ALL PLANS * Retirement - Annuity Plans * HDFC Life Systematic Retirement Plan * HDFC Life Pension Guaranteed Plan * HDFC Life Smart Pension Plus * VIEW ALL PLANS * Retirement - 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Buy plans, track your policy, make renewal payments & monitor fund performance with HDFC Life App, Download Now! GET APP LINK Search GET A CALL BACK Interested in buying insurance plans, then fill the form. Name Contact Number Select your insurance plan Select Plan Type Health Plans Investment Plans Protection Plans Children's Plans Savings Plans Retirement Plans I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard. SUBMIT This service is available between 9 AM - 9 PM IST Disclaimer : By submitting your contact details, you agree to HDFC Life's Privacy Policy and authorize HDFC Life and/or its authorized Service Providers to verify the above information and/or contact you to assist you with the purchase. This will override any NDNC registration made by you. Thanks for contacting us. Will get in touch soon. 1. 2. 3. 4. 5. 6. TERM PLANS IMMEDIATE INCOME PLANS PENSION PLANS SAVINGS PLANS SMART PROTECT PLAN ULIP PLANS GUARANTEED INCOME PLAN RETURN OF PREMIUM^~ TERM PLANS INVESTMENT PLANS FIXED MATURITY PLANS CHILDREN PLANS HEALTH PLANS POS PLANS GROUP PLANS Tailor your plan with customizable options for Lump Sum, periodic income, or money-back features. Buy HDFC Life Click 2 Achieve Plan today ! Tailor your plan with customizable options for Lump Sum, periodic income, or money-back features. Buy HDFC Life Click 2 Achieve Plan today ! I Want To* Buy a term plan Secure my Child's Future Buy a Protection+Investment Plan Buy a Whole Life Cover+ Lifelong Income Plan Get guaranteed returns Plan for my retirement Invest in ULIP TERM PLANS IMMEDIATE INCOME PLANS PENSION PLANS SAVINGS PLANS SMART PROTECT PLAN ULIP PLANS GUARANTEED INCOME PLAN RETURN OF PREMIUM^~ TERM PLANS INVESTMENT PLANS FIXED MATURITY PLANS CHILDREN PLANS HEALTH PLANS POS PLANS GROUP PLANS VIEW ALL I Want To* Buy a term plan Secure my Child's Future Buy a Protection+Investment Plan Buy a Whole Life Cover+ Lifelong Income Plan Get guaranteed returns Plan for my retirement Invest in ULIP OUR RECOMMENDED INSURANCE SOLUTIONS The effective way to secure your family’s future * HDFC LIFE CLICK 2 PROTECT SUPER TRENDING UIN: 101N145V02 Looking for complete protection under one plan at affordable cost along with tax benefits1 UIN: 101N145V02 Looking for complete protection under one plan at affordable cost along with tax benefits1 Key Features* * Get back your premiums at zero cost via Smart Exit Benefit Option1 * Buy Online and get 7% discount3 * Death Benefit paid in advance on diagnosis of Terminal illness * Get back your premiums at zero cost via Smart Exit Benefit Option1 * Buy online and get 5% discount3 * Death Benefit paid in advance on diagnosis of terminal illness CALCULATE PREMIUM CALCULATE PREMIUM Explore Plan Term Plan * HDFC LIFE CLICK 2 ACHIEVE TRENDING UIN: 101N186V02 Industry first Life Insurance policy that gives upto 200% Return Of Premium. UIN: 101N186V02 Industry first Life Insurance policy that gives upto 200% Return Of Premium. Key Features* * Tailor your plan with customizable options for Lump Sum, periodic income, or money-back features. * Decide the amount of income you wish to receive, perfectly tailored to your needs. * Enjoy a Guaranteed4 Immediate Income with the freedom to select the duration of your choice according to specific requirements. * Tailor your plan with customizable options for Lump Sum, periodic income, or money-back features. * Decide the amount of income you wish to receive, perfectly tailored to your needs. * Enjoy a Guaranteed4 Immediate Income with the freedom to select the duration of your choice according to specific requirements. CALCULATE PREMIUM CALCULATE PREMIUM Explore Plan Savings Plan * In Ulip Plan, the investment risks in the investment portfolio is borne by the policyholder HDFC LIFE SAMPOORN NIVESH UIN: 101L103V03 An insurance cum investment plan with loyalty additions and multiple fund options to help you optimize your investment UIN: 101L103V03 An insurance cum investment plan with loyalty additions and multiple fund options to help you optimize your investment Key Features* * Choose from 10 Funds to optimize your investment returns * Customize your premium payment options – Single, Limited or Regular * Choose from 3 convenient Benefit options to customize your payouts * Choose from 10 Funds to optimize your investment returns * Customize your premium payment options – Single, Limited or Regular * Choose from 3 convenient Benefit options to customize your payouts CALCULATE PREMIUM CALCULATE PREMIUM Explore Plan ULIP Plan Help us enhance our services based on public insights with IRDAI's Call Centre Feedback Survey at https://www.mygov.in/mygov-survey/irdais-call-centre-feedback-survey/ *T&C APPLY. × SMART INVESTING, MAXIMUM SAVING INVEST IN HDFC LIFE TAX SAVING PLANS HDFC LIFE SANCHAY PLUS UIN: 101N134V20 100% Guaranteed* tax-free# maturity for premiums upto ₹5 Lakhs + Life cover with our Non-Participating, Non-Linked Savings Insurance Plan Save Tax Explore Plan > HDFC LIFE CLICK 2 PROTECT SUPER UIN: 101N145V02 Maximise your tax savings up to ₹54,600/-~ on your life coverage & critical illness rider u/s 80C & 10(10D) and get comprehensive protection as per your evolving needs. Save Tax Explore Plan > HDFC LIFE SANCHAY PAR ADVANTAGE UIN: 101N136V03 Save tax up to ₹46,800/-# + Get tax-free lumpsum amount on maturity & Enjoy lifelong regular income with the flexibility of payouts and whole life cover1. Save Tax Explore Plan > T&C PERSONAL DETAILS *Enter first name *Enter mobile number *Current Age Years *Desired Retirement Age Years Educational Qualifications Graduate and above Non Graduate FINANCIAL DETAILS *Annual income ₹ *Monthly Expenses ₹ Existing Insurance Cover ₹ Liabilities No Liabilities Upto 10 Lacs Upto 20 Lacs Upto 30 Lacs Upto 40 Lacs Upto 50 Lacs I hereby consent to receive policy related / documents / application related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard. CALCULATE Your Required life cover to protect your family’s future is ₹ 0 RECOMMENDED PLANS FOR YOU HDFC Life Click 2 Protect Life EXPLORE PLAN The values shown here are only for illustration. The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision. HDFC LIFE INSURANCE - HOW MUCH LIFE INSURANCE? DO YOU NEED? With so many considerations, let us help you to make easy decisions for your life insurance needs. LET US CALCULATE NOT SURE WHICH LIFE INSURANCE TO BUY? TALK TO AN ADVISOR RIGHT AWAY We help you to choose best insurance plan based on your needs CALL NOW : 1800-266-9777or SCHEDULE A CALL GET A CALL BACK Interested in buying insurance plans, then fill the form below to help us call you back This form is only for exploring insurance plans provided by HDFC Life, for Customer Service queries, please click -Customer Service Queries Name Contact Number Select your insurance plan Select Plan Type Health Plans Investment Plans Protection Plans Children's Plans Savings Plans Retirement Plans I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard. SUBMIT This service is available between 9 AM - 9 PM IST Disclaimer : By submitting your contact details, you agree to HDFC Life's Privacy Policy and authorize HDFC Life and/or its authorized Service Providers to verify the above information and/or contact you to assist you with the purchase. This will override any NDNC registration made by you. Thanks for contacting us. Will get in touch soon. *T&C Apply HDFC LIFE SANCHAY PAR ADVANTAGE *T&C Apply A customized savings plan to match your expenses and financial needs. Calculate Premium Key Benefits of Online Purchase Safe and Transparent All Terms and conditions, policy charges, shown upfront with no hidden costs or details. What you see is what you get. Exclusive Online Discounts Depending on the product type, purchasing insurance online is economical. Example: You get additional 7% online discount on your first premium on our term product: HDFC Life Click 2 Protect Super EXPLORE NOW Certified and Registered Online Agents Our online agents will guide you every step of the way - Product selection, Form filling, Payment and After sales customer service. Each step is available and accessible online. All our calls are recorded for accountability. Convenience at your fingertips Explore all products & plan options, choose policy terms, do premium payments, all from the comfort of your home. Also get support from online and 400+ branches across India. HDFC LIFE INSURANCE - CUSTOMER STORIES! "Thanks to HDFC Life, I am now able to pursue my education abroad and fulfill my parents' dreams" Sartajbir Singh Batala, Punjab Caringwith Pride Sartajbir Singh Batala, Punjab Caringwith Pride " I want to express my gratitude to Mr. Nishant Sharma from HDFC Life for his invaluable assistance during my difficult time. As an 18 yr old, managing the death claim of my mother while my father was working abroad, I was distressed. Nishant not only helped me with all the documentation for claim submission but also provided unwavering support throughout. His guidance made a significant difference in navigating the claims procedure. The claim closure time efficiency was an additional source of relief during this challenging period. I must emphasize Nishants exceptional character and dedication. He truly went above and beyond to help me out. Thanks to HDFC Life, I am now able to fulfill my parents' dreams." INT/MC/06/23/1951 "HDFC Life's prompt service amazed me as I received the claim amount within 24 hours" Anoop Chahar Agra, Uttar Pradesh Caringwith Pride Anoop Chahar Agra, Uttar Pradesh Caringwith Pride " I am grateful to Mr. Harish Rawat and HDFC Life for their incredible assistance in processing my father's death claim. HDFC Life's prompt service amazed me as I received the claim amount within 24 hours of applying. Mr. Harish went the extra mile by personally arranging the required hospital discharge summary required for claim submission. I sincerely thank Mr. Harish and HDFC Life for their outstanding dedication and support. Their commitment to their responsibilities and customers is truly commendable, and I am forever grateful for their exceptional service." INT/MC/06/23/1951 "In addition to the quality service, the transparency displayed by HDFC Life has instilled confidence in me as a customer" Parna Acharya Batala, Punjab Caringwith Pride Parna Acharya Batala, Punjab Caringwith Pride " The seamless and efficient claim processing of my late husband's HDFC Life Term plan has provided us with the much-needed financial stability during this challenging time. Moreover, the personalized attention and empathy shown by the staff has left a lasting impression on me. I would like to express my gratitude for timely communication throughout the entire process by Mr. Subhadip. His prompt updates and clear explanations helped alleviate my concerns and kept me informed at every step. In addition to the quality service received, the transparency displayed by HDFC Life has instilled confidence in me as a customer. Thank you for being there for me and my family during this difficult journey." INT/MC/06/23/1951 1. 2. 3. Previous Next ABOUT HDFC LIFE HDFC Life is one of India's leading life insurance company offering a range of individual and group insurance solutions that meet your various needs such as Protection, Pension, Savings & Investment, Health and more. NUMBER OF LIVES INSURED 6.8 CRORE In FY 22-23 ASSETS UNDER MANAGEMENT 2,38,782 CRS In FY 22-23 BRANCHES 498 Across in India SUM ASSURED 11 LAKH CRORE New Business SUPERBRAND FOR THE 10TH TIME SUPERBRAND 2023-24 As per HDFC Life Integrated Annual Report FY 2022 - 2023 SUPERBRAND FOR THE 10TH TIME SUPERBRAND 2023-24 SUM ASSURED 11 LAKH CRORE New Business BRANCHES 498 Across in India ASSETS UNDER MANAGEMENT 2,38,782 CRS In FY 22-23 NUMBER OF LIVES INSURED 6.8 CRORE In FY 22-23 # As per HDFC Life Integrated Annual Report FY 2022 - 2023 CLAIM TRACK RECORD FOR FY 2022-2023 WE HAVE HONOURED 99.39% INDIVIDUAL CLAIMS!* At HDFC Life, we ensure a hassle-free and uniquely sensitive claim experience. We are always doing our utmost to enable faster settlement of claims, with our Claim Settlement Ratio reflecting this assurance. SAME DAY CLAIMS PROCESSING Individual claims processed within 24 business hours for all claims over 3 years from the date of inception**. *Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2022-23. Check last 5 years claims trend. **Provided we have received all the relevant and required documents and no further investigation is required. Claim settlement process would be completed within stipulated timelines once the claim request is approved. Know More CLAIM SETTLEMENT RATIO ( Percentage and average claim settlement time ) 2022 - 23 99.39 % Average Claim settlement time: 2 days 2021 - 22 98.66 % Average Claim settlement time: 3 days 2020 - 21 98.01 % Average Claim settlement time: 5 days 2019 - 20 99.07 % Average Claim settlement time: 4 days 2018 - 19 99.03 % Average Claim settlement time: 4 days ONE DAY CLAIM SETTLEMENT is available for the following * Cumulative claim amount on all policies up to ₹2 crores * 1 day claim settlement is exclusively available for policies bought online * Claim does not require field investigation * All requisite documents # submitted by the nominee before 3 PM on a working day at HDFC Life branches. Intimations beyond 3 PM will be taken up the next business day * HDFC Life will pay an interest on your death claim amount for every day of delay beyond one working day T&C Apply 1. For all claims fulfilling above mentioned conditions, provided we receive all the required documents, the claim will be processed within one working day and decision will be communicated accordingly. 2. Investigation / Open title / Rival / Court involved Claims are excluded. 3. Policy duration at the time of event is at least >=3 years. 4. Saturday, Sunday, public festivals and non-NAV days (for ULIP) are excluded (not treated as a working day) ^Interest rate would be at 6.25%per annum. #Documentation Details Claim form, Nominee photograph, Pan card copy, Identity and Address proof of nominee. (If nominee is minor, documents of appointee to be submitted). Death certificate issued by competent authority for death registrations. Medical cause of death certificate. Cancelled cheque/copy with the name of nominee/appointee mentioned on it as per the passbook of the nominee/appointee. Past & current complete medical records including discharge/death summary, indoor case papers, investigation reports, consultation notes. In case of an accidental death, additional documents will be required. Post Mortem Report, Panchnama, Police Inquest report, First/Final Information report, Viscera/Chemical Analysis report. WHAT IS LIFE INSURANCE? Life insurance is a contract signed between a person and an insurance company. In exchange for premium paid at regular intervals, the insurance company promises to pay a lump sum known as a death benefit to the beneficiaries of the policyholder after the death of the policyholder. The intention of the life insurance is to provide a financial benefit to the dependents of the person buying the life insurance, to guard them against financial pitfalls in the event of the premature death of the insured person. The death benefit that accrues to the beneficiaries upon the death of the insured person replaces the income that was earned regularly by the policyholder. This amount can be used by the dependents to pay off debts, meet living expenses and fund education and other long-term goals. You can buy different types of life insurance plans, including term insurance, endowment plans, retirement insurance plans and Unit Linked Insurance Plans (ULIPs). You can buy life insurance online as well, in simple steps. Buying life insurance plans online is a simple way to make sure your loved ones will continue to be financially secure in your absence. You can also calculate the return on your investment in a life insurance by using the investment calculator and entering few simple details to generate the desired returns. Buying life insurance does not just help provide financial support in the event of the insured person's untimely death, but it can also be a sound long term investment by helping you meet your life goals such as children's education, your retirement corpus or buying a second home. HOW DOES LIFE INSURANCE WORK? Life insurance functions as a contract between an insurer and the insured. In this, the insurer agrees to pay a certain sum of money in exchange for premiums, either upon the insured's death or the policy's maturity. Life insurance operates by providing a predetermined amount to your nominees or beneficiaries in case of your demise. For life insurance to take effect, the policy must be active at the time of the insured's demise. Beneficiaries are entitled to receive the assured amount if the insured has paid the whole premium during the entire lifetime. The payout at the time of death ensures that the insured's family doesn't have to suffer financially. Premiums to be paid are based on the insured's age, health and the type of policy selected. The benefits of life insurance are as follows: * In case of survival: The Insured would get the sum and the benefits as per the terms and conditions of the policy. * On death: Insured's nominees or beneficiaries will be entitled to the benefits of the policy as per the terms and conditions. There are multiple factors that affect your life insurance coverage: * Your age * Your health condition * Your gender * The type of policy you choose * Your medical history There are different types of life insurance policies, such as whole life insurance policy, term insurance, endowment plans, Unit Linked Insurance Plans (ULIP), money back policy and retirement plans. You can select the life insurance plan as per your requirements. WHY SHOULD YOU CONSIDER BUYING LIFE INSURANCE? Life insurance is an extremely important financial solution for every individual, especially for individuals with dependents such as dependent parents, spouses and children. Let us see some of the benefits of life insurance: 1. For your loved ones financial security: A life insurance policy has the potential to replace your lost income and ensure that your family can live a comfortable life without financial burden. It helps them to maintain their current lifestyle and cover expenses like food, rent, education, etc. 2. To fund the future education of your children: Education costs can be a huge financial burden if the breadwinner of the family passes away. Life insurance ensures that your children study at the college of their choice even when you are not around. 3. To plan for future uncertainties and save for retirement: Unexpected events like illness and disability can leave your family financially devastated. It works as a safety net and covers costs in unforeseen circumstances. 4. To pay any debts you might have: Your debt obligations can leave a financial burden on your family after your demise. Life insurance helps your family members to pay debts like credit card bills, home loans, etc. and thus freeing them financially. 5. To get tax deductions under section 80C of the Income Tax Act**: With the premiums you pay, you can enjoy tax deductions up to Rs 1.5 lakhs per year under section 80C of the Income Tax Act. 6. For peace of mind and financial security: Knowing that your family is financially protected and they don't have to worry about your debts, life insurance can bring you the feeling of zen. As a result, you can live life stress-free and with confidence. WHAT HAPPENS WHEN YOU PURCHASE LIFE INSURANCE? When you purchase a life insurance policy, you pay a premium - monthly or yearly, to the insurance company at regular intervals for a certain time period and enter into an agreement. In case of your demise, the insurer will make the sum assured available to your loved ones/dependents. In case of your survival, you may receive a maturity amount as per the terms and conditions. It acts as a financial cushion, offering financial protection to your family members. Here's what to expect when you purchase a life insurance policy: 1. Choosing a policy: First, you choose the type of life insurance policy, determine your coverage amount, select a term that aligns with your goals and decide on your beneficiaries. 2. Application: Next, you fill out the application form and complete all the necessary steps. You may also have to undergo a medical exam to assess your health. 3. Approval and payment: Then, you receive the policy document and commence paying premiums at predetermined intervals. 4. During the policy term: You focus on paying the premiums to keep your policy active. You may also make adjustments as and when required. 5. Upon death/maturity: Upon the policy's maturity or death of the insured, the insurer shall pay the death benefit or maturity amount to the respective beneficiaries. LIFE INSURANCE - FAQ'S 1 WHAT ARE THE BENEFITS OF LIFE INSURANCE? The biggest benefit of life insurance is that no matter your income level, life insurance ensures that your loved ones can make ends meet if you were to pass away. Buying a life insurance policy at any stage in life gives you peace of mind. It offers a life cover that keeps you and your family protected in case of your unfortunate demise. The life insurance claim in the event of your death will help your family have a secure financial future, by paying for children's education, paying off debts and helping towards household expenses. The money you invest in life insurance is safe, and your family stands to gain from the benefits of insurance payouts in case of unforeseen circumstances. Life insurance premiums are eligible for rebate for salaried persons to reduce their tax liability. Life insurance also gives you the benefit of taking a loan against the policy in certain cases. A life insurance policy will help you to plan your life goals, including your children's education, their marriages and your retirement corpus. The riders available with your life insurance policy help you customise your plan and get maximum benefit. There are different types of life insurance which help you reap the benefits of a secure future for yourself and your family. 2 WHAT DO YOU MEAN BY LIFE INSURANCE? It is a contract between a policyholder and the insurer wherein the insurer agrees to pay a certain sum of money in exchange for premiums upon death or maturity of the policy. 3 HOW TO CHOOSE THE RIGHT SUM ASSURED UNDER LIFE INSURANCE? It can be done by forecasting future earnings, making a note of future annual expenses, calculating the future costs of financial goals such as children's education and marriage, and adding liabilities. Or you can also multiply your annual income by 10 for a rough idea. 4 WHAT ARE THE USES OF LIFE INSURANCE? It offers benefits like tax benefits, financial security, financial coverage for families, wealth creation, retirement planning, the accomplishment of future goals, and much more. 5 WHO NEEDS LIFE INSURANCE THE MOST? Anyone who has dependents to support and is an income earner for the household needs Life Insurance. Your loved ones who depend on your income would be negatively impacted by your untimely passing and the subsequent loss of income. A life insurance policy makes sure their financial future is protected through the payouts by the insurer in case of the insured person's death. If you own a business, it helps to have life cover so that the business is not negatively impacted by your passing. It can help to sustain it by covering expenses and paying debts till your successor finds their feet in the business. If you have taken loans during your lifetime, having a life cover will help your family to pay off your debts with the help of the payouts received against the insurance claim. 6 WHAT ARE THE TYPES OF LIFE INSURANCE PLANS? In India, we have a variety of insurance plans to suit every need. The simplest plans are Term insurance plans, in which there is a death benefit but no maturity benefits. In Term Insurance, the insurer promises to pay the beneficiaries a lump sum amount in the event of the insured person's death. Some Term insurance plans nowadays also offer to give back the premiums you pay on surviving the policy period; these are called Term insurance with return of premium plans. Other life insurance plans in India include Endowment Insurance plans, Unit Linked Insurance Plans (ULIPs), Moneyback Insurance plans, Whole life insurance plans, Group life insurance, Child Insurance Plans and Retirement Insurance Plans. 7 FACTORS THAT AFFECT LIFE INSURANCE PREMIUM The main factor influencing the life insurance premiums of a policyholder is their age. Younger persons are generally considered healthy and unlikely to contract illnesses or pass away suddenly; hence younger people attract lower insurance premiums. Gender is another factor that determines the premium amount as proven scientific and statistical evidence points to women likely to live an average of 5 years more than men. Consequently, since women are perceived to avail of policies for a longer tenure, they can avail of lower premiums. Medical records play a crucial factor in deciding the premium as well, since life insurance policies typically come with an underwriting process that includes a thorough medical exam of the policyholder. Any red flags concerning physical health and potential illnesses can have an impact on the amount of premium to be paid. Family history is important as certain hereditary diseases could be passed on to the policyholder. The family's medical history plays a part in revealing these patterns and can influence the amount of premium. Smoking and drinking, which are considered harmful to health and can impact your longevity, also influence the amount of premium to be paid. Professions and lifestyles can also impact the life insurance premium. Persons working in professions considered dangerous like mining, oil and gas and fisheries, and indulging in risk taking activities like mountaineering can attract higher premiums. 8 HOW DO I FILE A LIFE INSURANCE CLAIM? Life insurance claims can be made either on death of the policyholder, on maturity of the policy or as a Rider claim. In case of death claim, the beneficiary who is the nominee of the policy should intimate about the claim to the insurer at the earliest by filling the intimation form which can be obtained from the nearest branch of the insurance company or can be downloaded from the website of the insurance company. Relevant documents like death certificate of the insured person, birth certificate of the insured person (for proof of age), the original policy document, and any other documents requested by the insurer should be provided. The insurer is obliged to settle claims, once filed, within 30 days of receipt of all documents. In case further investigation is needed, the insurer gets six months to complete its procedures from the date of receiving written intimation of the claim. If you are making a maturity claim, the insurer reaches out to the policyholder in advance with a bank discharge form, which the policy holder has to fill in and submit to the insurer along with the relevant documents requested. In the case of rider claims, which are additional benefits accruing to policy holders for paying extra premium, duly filled claim forms and policy copies are to be submitted to the insurer. Different riders like Waiver of Premium and Critical Illness are settled through different means. 9 WHAT TYPES OF DEATH ARE NOT COVERED BY LIFE INSURANCE? While deaths due to accidents are covered by life insurance, there are certain exceptions. Accidental death if the insured is involved in any criminal activity or if death occurs due to intoxication or drugs are not covered by term life insurance plans. Accidental deaths while the insured was engaged in adventure sports like sky diving and bungee jumping are also not covered by such plans. Death benefits for suicide are generally made at the discretion of insurance companies. Usually, beneficiaries are entitled to 80 per cent of amount accumulated from premiums paid in case of a non-linked plan, and 100 per cent in the case of a linked plan, if the insured dies by suicide within the initial 12 months. Term insurance plans do not cover death occurring from self-inflicted injuries, or due to illnesses like sexually transmitted diseases like HIV/AIDS. Death due to alcohol or drug abuse is also not covered by term plans, nor is homicide where the policy holder is murdered by the nominee for money. Death due to an existing illness that has not been disclosed at the time of purchasing the plan is also not covered by term life insurance plans. Death caused by natural disasters like tsunami, earthquake, floods etc is not covered by term insurance, unless the policy holder has opted for riders for that purpose. View All FAQ's LEARN MORE ABOUT LIFE INSURANCE PRODUCTS * Term Insurance FAQ * Savings and Investment FAQ 1 WHAT ARE THE 3 BENEFITS OF TERM INSURANCE? The premiums are reasonable, your family will be financially secure in the event of your death and you may even add coverage for critical illnesses and accidental deaths. 2 IS IT GOOD TO HAVE A TERM INSURANCE PLAN? It is possible for a family to achieve their financial goals as well as meet their day-to-day expenses by purchasing a term insurance policy. The dependants of the insured do not suffer financially if a term insurance is in place. 3 IS ACCIDENTAL DEATH COVERED IN TERM INSURANCE? Accidental death is covered by a term insurance policy. The sum assured on a term insurance policy will pay out no matter what the cause of death is, whether it is a result of a health issue or an accident. 4 WHAT HAPPENS AT THE END OF A TERM LIFE POLICY? When term life insurance policy plans expire, the policyholder does not have to take any action. A policyholder will be notified that the policy is no longer in effect; no premiums are payable, and no death benefits would be paid out. 5 WHAT ARE THE DEATH BENEFITS UNDER TERM LIFE INSURANCE? Death Benefits are paid to your dependents in a lump sum payment if you die unexpectedly. But few term insurance policies do provide a monthly income along with a lump sum amount to assist with regular expenses. 6 WHAT IS TERM INSURANCE PREMIUM? This is the sum of money you pay the insurance company in exchange for financial security. A monthly, semi-annual, or annual premium payment can be made. View All FAQ's * Savings * ULIP * Retirement * Child 1 WHAT IS A SAVINGS INSURANCE PLAN? A savings insurance plan is a type of insurance policy that allows you to invest for a financially secure future. These plans help you develop a disciplined habit of saving and aid to achieve your future goals. Crucially, they offer life coverage for the policyholder, securing the family’s financial future. 2 WHY SHOULD YOU INVEST IN A SAVINGS INSURANCE PLAN? If you are risk-averse but want to build a corpus for your future financial goals, a savings insurance plan like the HDFC Life Guaranteed Income Insurance Plan8 could be ideal. These policies offer life coverage, protecting your loved ones and providing them with financial support at a difficult time. Additionally, it helps you develop a disciplined saving scheme and builds up funds for your future. 3 WHAT ARE THE BENEFITS OF A SAVINGS INSURANCE PLAN? When you purchase a savings insurance policy like HDFC Life Sanchay Par Advantage9, you benefit from financial stability as it provides guaranteed returns to help you meet future expenses. The plan also offers life coverage for the policyholder, providing your loved ones with a financial safety net if anything happens to you. These plans are also eligible for tax savings under the Income Tax Act of 1961#. 4 WHAT ARE THE TAX BENEFITS OF A SAVINGS INSURANCE PLAN? Savings insurance plans offer tax benefits under Section 80C# and Section 10(10D)# of the Income Tax Act. The premium amount is eligible for a deduction of up to Rs. 1, 50,000 per year from your taxable income under Section 80C#. Your premium should be less than 10% of the sum assured to be eligible for the tax benefit. Under Section 10(10D), the maturity and insurance benefits payable when the policy ends are tax-free. 5 SHOULD I PICK A LONG-TERM OR SHORT-TERM SAVINGS INVESTMENT PLAN? The savings investment plan term you select should depend on your goal. If you’re saving up for a short-term goal, such as a holiday abroad or home renovations, you can opt for a short-term plan. However, if you’re saving up to send your child to college, purchase a home, or for retirement, you should opt for a long-term plan. 6 WHY CHOOSE A SAVINGS PLAN FROM HDFC LIFE? HDFC Life offers steady returns and a competitive individual death claim settlement ratio, providing financial security to you and your loved ones. We offer multiple plans and customisable options, enabling you to find the ideal savings plan for your financial needs. View All FAQ's 1 IS ULIP TAX-FREE? Section 80C provides an income-tax deduction for ULIPs, and Section 10(10D) of the Income Tax Act exempts returns from income tax upon maturity. This policy offers a dual benefit. 2 HOW MUCH RETURN DOES ULIP GIVE? Investing in ULIP can generate high returns if you stay invested for 10 years or more. 3 WHO SHOULD INVEST IN ULIP? ULIPs are best suited for people who have a long-term financial plan that includes both wealth creation and insurance. 4 WHAT ARE THE COMMON FEATURES OF ULIPS? ULIPs share four common features: * Option for Partial Withdrawal * Option for switching funds * Lock-in period required * An alternative long-term investment 5 WHAT ARE THE DIFFERENT TYPES OF ULIPS? Type Risk Type of Returns Bond funds Medium Low to medium Equity funds High High Cash funds Low Low Balanced Medium High 6 HOW IS ULIP DIFFERENT FROM TRADITIONAL PLANS? ULIPs have a minimum lock-in period of three to five years, whereas traditional insurance plans are locked in until maturity. In addition, when you only want to insure, you must choose a traditional insurance plan. However, with a ULIP, you can get insurance while also increasing your capital. View All FAQ's 1 WHY IS A RETIREMENT PLAN IMPORTANT? Retirement planning not only ensures an additional source of income, but also assists in dealing with medical emergencies, fulfilling life goals, and becoming financially independent. 2 WHEN SHOULD I BUY A RETIREMENT PLAN? The answer is simple: as soon as possible. Your twenties are a good time to start saving when you complete your education, start working and earn a pay check. This gives your money more time to grow. 3 WHAT IS ANNUITY? An annuity is a contract you enter into with an insurance company in which you pay a lump sum or series of payments in exchange for regular payments. The goal is to have a constant source of income, typically during retirement. 4 WHAT ARE THE TYPES OF PENSION PLANS? Pension plans can be classified into three types: Defined contribution pensions, Defined benefit pensions, or State pensions. 5 HOW IS A PENSION PLAN DIFFERENT FROM A TERM PLAN? Life insurance that provides financial security to your family in your absence is termed term insurance. A pension plan, on the other hand, can replace lost income after 60 or if you retire early. 6 WHAT ARE THE TAX BENEFITS OF PENSION PLANS? The Income Tax Act, Section 80CCC#, encourages people to invest in pension plans. Pension investments can then be deducted from gross income, and saving taxes. View All FAQ's 1 HOW MUCH LIFE INSURANCE DO YOU NEED FOR A CHILD? A good life insurance policy should enable parents to build a solid financial corpus that will help secure their child's financial future, such as their child's education, marriage, goals, and so on, in instalments or all at once, as needed. 2 WHAT IS THE MINIMUM AGE FOR LIFE INSURANCE? The age range for policyholders to purchase term insurance is 18 to 65. Life cover up to age 99 is also available for those 65 and older. 3 IS IT GOOD TO INVEST IN A CHILD PLAN? It is good to invest in a child plan as it helps you to meet your children’s goals of higher education by building up a corpus over the years. A plan that matures after a certain period helps children meet their life goals without any worries. A child plan also serves as a blanket that provides financial protection to children in the event of the parent’s death. 4 WHAT ARE THE TYPES OF CHILD PLANS? A child plan is a customised investment and insurance option designed to meet a child's financial needs. A child plan has two components: insurance to provide financial protection for the child in the event of the parent's death and investment to meet financial milestones by investing in various instruments. 5 WHY IS BENEFICIARY OR NOMINEE IMPORTANT IN A CHILD PLAN? If a policyholder dies while the policy is in effect, the nominee will be entitled to death benefits. These death benefits can be used to cover the expenses of the child or nominee in the absence of the parent. 6 HOW CAN A CHILD INSURANCE POLICY SECURE YOUR KID’S FUTURE? A child insurance plan not only protects your child's dreams but also provides you with the financial assistance you need to help them achieve their goals. It's a way to save money for your children's future education costs without having to financially burden yourself. View All FAQ's BUY NOW HERE'S ALL YOU SHOULD KNOW ABOUT LIFE INSURANCE. We help you to make informed insurance decisions for a lifetime. SERVICE TAX : DEFINITION AND MEANING SERVICE TAX : DEFINITION AND MEANING Service Tax: What is Service Tax - HDFC Life 5 SIMPLE INCOME AVENUES FOR HOUSEWIVES DIFFERENCE BETWEEN SECTION 80C AND 80CCC TAX ON PROVIDENT FUND In a notification dated 31 August 2021, the Central Board of Direct Taxes outlined how taxable interest on contributions to a PF or Recognised PF would be calculated. TAX ON PROVIDENT FUND VIEW ALL ARTICLES HDFC LIFE Reviewed by Life Insurance Experts HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health. POPULAR SEARCHES * term insurance * Investment Plans * savings plan * ulip plan * retirement plans * health insurance plans * child insurance plans * group insurance plans * bmi calculator * compound interest calculator * term insurance calculator * what is term insurance * 1 crore term insurance * 2 crore term insurance * 50 lakhs term insurance * 5 crore term insurance * investment plan for 5 years * investment plan for 10 years * get pension of 30000 per month * get pension of 50000 per month * ULIP Returns in 10 Years * ULIP Returns in 5 Years * Investment Calculator * annuity plans * Annuity From NPS * Retirement Calculator * Pension Calculator * What is Investment * ULIP Calculator * best investment options * best investment options in India * One time investment * Types of investment * Safest investment * Short term investment * What is investment * PPF Calculator * Term Insurance for Housewife * Money Back Policy DISCLAIMER T&C* 1. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws. 2. This option can be exercised in any policy year greater than 30, but not during the last 5 policy years. This feature is not available if Life Goal or Return of Premium option is selected. 3. Sum Assured on Death, up to a maximum of Rs. 2 Cr. will be accelerated in case of diagnosis of terminal illness during the policy term. This feature is available till age 80 for Life and Life Plus option. 4. Guaranteed Benefit is paid on survival during policy term provided all due premiums are paid during the premium payment term. 5. Sum Assured multiple upto 100X depending on your age, premium, payment and policy term. 7. Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options. 8. HDFC Life Guaranteed Income Insurance Plan UIN: 101N146V04. A Non-Linked, Non-Participating Individual Life Insurance Savings Plan. 9. HDFC Life Sanchay Par Advantage (UIN: 101N136V03), A Non-Linked Participating, Life Insurance Plan coverage is available in this product. Provided all due premiums have been paid and the policy is in force. This option is available for entry ages 50 to 60 years. #Tax benefits are subject to conditions under Section 10 and other provisions of the Income Tax Act, 1961. 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. ^~. Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option. This benefit is available under Life and Life Plus option only. *. For more details on other plans, please visit product category page on the website:- www.hdfclife.com ** Tax benefits are subject to conditions under Sections 80C and other provisions of the Income Tax Act, 1961. Tax Laws are subject to change from time to time. ARN - ED/01/24/8128 To read the complete definitions as stated by IRDAI and displayed across this website, you can refer the specimen policy documents. 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Thank you for subscribing to us. DOWNLOAD HDFC LIFE APP GET APP LINK I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard. Link sent to mobile number xxxx0987 STAY CONNECTED WITH US * Privacy * Legal * Career * Site Map * Contact Us As per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My Account/ service@hdfclife.com/ 022-68446530 (Call charges apply) / HDFC Life branch. Ignore if already submitted. HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101. Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666. The name /letter 'HDFC' in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) belongs to HDFC Bank Limited and is used by HDFC Life under licence from HDFC Bank Limited. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. As per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My Account/ service@hdfclife.com/ 022-68446530 (Call charges apply) / HDFC Life branch. Ignore if already submitted. HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101. REGISTERED OFFICE: LODHA EXCELUS, 13TH FLOOR, APOLLO MILLS COMPOUND, N.M. JOSHI MARG, MAHALAXMI, MUMBAI 400 011. TEL NO: (022)67516666. THE NAME /LETTER 'HDFC' IN THE NAME/LOGO OF HDFC LIFE INSURANCE COMPANY LIMITED (HDFC LIFE) BELONGS TO HDFC BANK LIMITED AND IS USED BY HDFC LIFE UNDER LICENCE FROM HDFC BANK LIMITED. FOR MORE DETAILS ON RISK FACTORS, ASSOCIATED TERMS AND CONDITIONS AND EXCLUSIONS PLEASE READ SALES BROCHURE CAREFULLY BEFORE CONCLUDING A SALE. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. 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