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In This Policy, The Investment Risk In Investment Portfolio is Borne By The
Policyholder.

In This Policy, The Investment Risk In Investment Portfolio is Borne By The
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In This Policy, The Investment Risk In Investment Portfolio is Borne By The
Policyholder.

In This Policy, The Investment Risk In Investment Portfolio is Borne By The
Policyholder.


3 BENEFITS, 1 PLAN

 * Life Cover
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   Pursuant to Prevention of Money Laundering (PML) Rules 2005, it is mandatory
for all Customers to update the KYC records, within 30 days of any change in the
KYC details.  |   We are now Canara HSBC Life Insurance - Your dependable
partners. We would like to assure you that this will have no impact on your
policy and terms and condition of your policy remain unchanged.  |   Please note
that the Government has reduced the lien period applicable from the date of
enrolment under Pradhan Mantri Jeevan Jyoti Bima Yojana from 45 days to 30 days
w.e.f., June 01, 2021. Accordingly, general public is hereby advised to note the
reduced lien period.  |  Claim FAQs & Process For COVID-19


I AM A
18192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869707172737475767778798081828384858687888990919293949596979899
YEAR OLD MALE FEMALE TRANSGENDER I WANT TO BUY A GUARANTEED SAVINGS PLAN BUY A
TERM PLAN SAVE FOR MY CHILD’S FUTURE SAVE FOR MY RETIREMENT PAY MY PREMIUM GET
STARTED!


OUR TOP SELLING ONLINE LIFE INSURANCE PLANS

Explore our life insurance plans and choose the right insurance policy for your
financial goals.

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Savings Plan

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Guaranteed Maturity / Income Benefit

Guaranteed Income from 2nd Policy Year

Accidental Death Benefit or Payor Premium Protection cover

Return of Total Premiums Paid at maturity

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Young Term Plan

Life cover till 99 years of age

Special Exit Value

Cover for listed 40 Critical illnesses

Option to Block Premium Rate and increase cover by upto 100% at the blocked rate

Additional optional in-built covers for enhanced protection

Tax benefits as per prevailing tax laws

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TERM Insurance PLAN

Life Cover till 99 years of age

Option to Block the premium rate and increase cover by upto 100% at the blocked
rate

Option to avail monthly income post attaining 60 years of age

Option to receive total premiums paid in case of no claim

Tax Benefits as per applicable laws

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SAVINGS PLAN

5 plan options to choose from to protect your loved ones

Pay premiums for 5,7, or 10 years as per your financial goals

Payor Premium Protection Cover to secure your family’s future

Tax benefits may be available as per prevailing Tax Laws

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SAVINGS PLAN

Better value for high premium commitment

Guaranteed benefits payable on maturity

Life cover for the entire term

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8 funds and 4 fund management options to choose from

ULIP with Loyalty Additions and wealth boosters

Return of Mortality Charges on maturity

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Health Insurance Plan

Option to cover yourself against Major Critical Illnesses

Lump-sum payout on diagnosis

Return of premium option available

High coverage option at affordable premiums

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‹›




DISCOVER THE BEST INSURANCE PLANS FOR YOUR GOALS

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WHY CHOOSE CANARA HSBC LIFE INSURANCE?

10000

+
Partner Bank Branches

Backed by Canara Bank and HSBC Bank



RS.30,204 CR.+

Assets Under Management as of March 2023



99.01%^

Individual Death Claims Settled

In FY 2022-2023




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We value the promises you made to your loved ones. Hence our commitment is to
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LIFE STORIES OF OUR CUSTOMERS

MRS. RENUKA SHETTY

When this year I had a monetary problem in the family I had to withdraw part
payment, the customer service team told me it will take 7 days but it only took
3 days. This made me really happy that I took this policy.

MR. PIYUSH KANT

Promise is all about faith. My family has faith in me. Similarly, I have faith
that Canara HSBC Life Insurance will help me protect my family even in my
absence.

MR. & MRS. MANNA

A promise is a thing of faith. With Canara HSBC Life Insurance, we are confident
that we will be able to keep our promises to each other.

MR. SHUSHANTA KUMAR SENGUPTA

With Canara HSBC Life Insurance, I will not only meet the financial requirements
for my daughter’s wedding but also for various other life goals.

MR. & MRS. SURVE

A promise has to be fulfilled. We had promised our son to send him abroad for
education. We sent him there and fulfilled our promise. He also returned to
India after completing his education as he had promised. Canara HSBC Life
Insurance helped us fulfill our promise with Child Future Plan.

MR. KATARIA

The customer service staff always gives a quick response. Usually, we get a
personal message within 5-10 minutes of the query. Also, Canara HSBC Life
Insurance has done systematic management of investments, which helps our money
to grow.

MR. CY AJGAONKAR

Keeping my promises is a priority for me. Canara HSBC Life Insurance has ensured
that my second innings will be as beautiful as my first.

‹›



WHAT IS LIFE INSURANCE?

Life insurance policy is a versatile investment that ranges from the necessary
plan for the financial safety of the family to your own. For example, term life
insurance plans are important to ensure the long-term financial safety of your
dependents, while retirement and pension plans ensure financial safety for you
after retirement.

Life insurance companies provide multiple plans to serve your various important
financial needs in life. You can buy a life insurance plan for pure financial
protection, wealth building, retirement, wealth preservation and even for legacy
goals.

Investment plans from life insurance companies are some of the best long-term
wealth preservation investments. Due to their tax-exempt nature, the plans offer
a perfect place to park your wealth for protection against inflation over long
periods.

Download Life Insurance Buying Guide


INSURANCE GUIDE

LIFE INSURANCE


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FAQS

WHAT IS LIFE INSURANCE PREMIUM?

The life insurance premium is the cost of life insurance cover or plan that you
agree to pay regularly for the plan. Life insurance premium amount for the
protection plans like term insurance and critical illness covers comprise of
majorly protection cost. Premium amount of other policies such as ULIPs,
endowment and money back plans will carry a major part as investment premium.

WHAT ARE THE DIFFERENT TYPES OF LIFE INSURANCE IN INDIA?

Life insurance types in India comprise of protection plans, wealth preservation
plans, retirement plans, child education plans, and wealth-building plans. Term
life and critical health insurance plans are protection life insurance plans.
Life insurance plans like endowment and money back plans are wealth preservation
plans, while ULIPs are wealth building plans. Apart from these, you can also
invest in legacy plans, which are also called whole life insurance plans.

HOW CAN YOU CHOOSE THE RIGHT SUM ASSURED FOR YOURSELF IN LIFE INSURANCE?

Sum assured in a life insurance plan usually refers to the available guaranteed
life cover or death benefit in the plan. While buying protection plans like term
life insurance your sum assured or life cover should be at least 10 times your
annual income. However, this should go about 15 times, if you are not investing
in life insurance plans for important goals of your family like child education
and marriage. This is to ensure that your child’s goals are still fulfilled even
after your untimely demise.

HOW IS A LIFE INSURANCE PREMIUM IS DETERMINED?

Life insurance premium considers multiple factors which usually determine the
risk of early demise for you. For example, your present and past medical
history, lifestyle habits, occupation, hobbies, and more than anything else your
age. The best way to calculate your life insurance premium is to use the online
calculators provided for the specific plans.

AT WHAT AGE SHOULD I GET LIFE INSURANCE IN INDIA?

The best age to buy a life insurance plan is as soon as you have started earning
money. The minimum legal age to enter into a life insurance contract is 18
years. Thus, you can consider this as the lower limit for getting life insurance
cover in India. However, life insurance is generally available only when you
have an income, even if the interest income is from invested wealth. As a
homemaker, however, you can get life insurance even without a direct income if
your spouse agrees to pay the premium.

WHY CANARA HSBC LIFE INSURANCE IS THE RIGHT LIFE INSURANCE COMPANY FOR YOU?

Canara HSBC Life Insurance is a joint venture of the three largest and trusted
financial institutions in India. Also, Canara HSBC Life Insurance follows a
digital-first approach to serving its customers. Thus, regardless of where you
are in the world, you can always manage your policies or file claims with ease.
InstaPromise® initiative of the life insurance company allows your family to
receive death benefits from your term policy within a couple of days after a
claim.

WHAT IS THE THUMB RULE FOR LIFE INSURANCE?

One important thumb rule that is widely followed in life insurance is about the
total life cover an individual should have. As per this thumb rule, you should
have a life cover of anywhere between 10 to 20 times your annual income.
However, this is the total life cover. Thus, this will include your life cover
under term life insurance plan, child plan, endowment or money back plans and
retirement plans.

Also Read - Insurance Meaning

CAN NRIS BUY LIFE INSURANCE IN INDIA?

Yes, NRIs can buy life insurance plans in India. Apart from NRIs, even PIOs
(persons of Indian origin) can also buy life insurance plans in India. NRIs
buying life insurance plans in India also receive the tax benefits available
under section 80C in India.

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OUR PHILOSOPHY

We are dedicated towards helping our customers safeguard their financial future.
Our aim is to provide reliable and innovative insurance options that caters to
the needs and goals of every customer. Keeping this in mind, we offer a range of
insurance policies such as health insurance, term insurance, Unit Linked
Insurance Plan, retirement plan, pension plan and child education plan along
with additional benefits.

Our primary focus while offering these products is to ensure that customer needs
and expectations are fulfilled through their life cycle. The financially
affordable solutions cater to each of the customer segments and are backed by
quality service with an unflinching resolve to remain engaged with the customer
through our relationship. So, get insured today. Buy your plan online in just a
few clicks.

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understood the Privacy Policy and agree to abide by the same.
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Hyderabad Jaipur Kolkata Lucknow Mumbai Noida Patna Agra Alappuzha Alwar
Amritsar Aurangabad Bharatpur Bhavnagar Bhikaner Bhopal Bodh Gaya Calangute
Chandigarh Chittaurgarh Coimbatore Cuttack Dalhousie Dehradun Diu-Island
Ernakulam Faridabad Gaya Gangtok Ghaziabad Gwalior Haridwar Imphal Indore
Jabalpur Jaisalmer Jalandhar Jamshedpur Jodhpur Junagadh Kanpur Kanyakumari
Khajuraho Khandala Kochi Kodaikanal Kota Kottayam Kovalam Ludhiana Madurai
Manali Mangalore Margao Mathura Mountabu Mussoorie Mysore Nagpur Nainital Ooty
Orchha Panaji Pondicherry Porbandar Portblair Pune Puri Pushkar Rajkot
Rameswaram Ranchi Sanchi Secunderabad Shimla Surat Thanjavur Thiruchchirapalli
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Visakhapatnam Others
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INSURANCE PLANS

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ONLINE INSURANCE PLANS

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FinSec AA Solutions Private Limited

--------------------------------------------------------------------------------

www.lifeinscouncil.org | IRDAI Registration no: 136. www.irdai.gov.in
WEBNJV3CHODEC17 ENG | CIN: U66010DL2007PLC248825

Trade Logo of Canara HSBC Life Insurance Company Limited (formerly known as
Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd) hereinafter
referred to as "Insurer" is used under license with Canara Bank and HSBC Group
Management Services Limited.

1. The monthly survival benefit mentioned is an example of Life Assured opting
for Sum Assured as 1Cr under Life Secure with Income plan option. Under this
plan option, a Monthly Survival Income shall be payable at the beginning of each
month, starting from the Policy Anniversary coinciding with or following the
Life Assured attaining age 60 years (last birthday) which shall continue till
the end of the Policy Term or the death of the Life Assured whichever is
earlier. In case of death of the Life Assured during the Policy Term, Sum
Assured on Death basis the Coverage option opted, less cumulative monthly
income(s) already paid shall be payable. The Policy will terminate after payment
of this benefit.

2. Benefits are guaranteed provided the policy is in force and all premiums are
paid as and when due.

3. The above scenario has been calculated for a 25 year old individual who has
opted for Canara HSBC Life Insurance Guaranteed Assured INcome - Early Income
plan option and has chosen Premium Payment Term - 10 years, Income payout period
- 39 years and Policy Term - 40 years, Income Payout Frequency - Annual and an
Annualized premium of Rs. 1 lacs. Guaranteed Income is sum of Assured Income
Installment Rs.49,750 + Loyalty Income Installment Rs. 24,875. Benefits are
guaranteed provided the policy is in force and all premiums are paid as and when
due. Immediate Income starts from the end of 2nd year onwards till the end of
Premium Payment Term. Return of Premium as Final Benefit equal to 100% of Total
Premiums payable will be paid at policy Maturity

4.Tax benefit of Rs. 46,800/- is calculated at the highest tax slab of
31.2%(including 4% cess) for an individual assessee on life insurance premium of
Rs. 1.5 lacs under Income Tax Act, 1961 and tax benefit may vary from assessee
to assessee. Tax benefits/savings are subject to provisions under section 80 C,
80 CCC, 80 D, 10(10A), 10(10D) and other sections of the Income Tax Act, 1961.
The provisions of Income Tax Act, 1961 are subject to amendments made by the
government from time to time. Goods & Services Tax will be charged on the
premium amount. Please consult your independent tax advisor for details.

5. The maturity benefit is calculated for a 25 years old healthy male life who
has opted for Canara HSBC Life Insurance iSelect Guaranteed Future Plus with
Endowment Option, monthly premium Rs. 10,000 (excluding taxes), premium payment
term 10 years and policy term 20 years through online sales channel. The
maturity benefit in form of a lumpsum benefit equal to Rs.34,24,444 is paid at
the end of the 20th year, provided the policy is in-force and all due premiums
have been paid. T&C Apply.

6. The premium of ₹939 mentioned is exclusive of goods and service tax and is an
example for a healthy 25-year-old male, non-smoker, covered for ₹2 crore under
plan option ‘Life Secure’ with monthly mode of payment and coverage option as
‘level’. The policy term and premium payment term considered is 10 years. Actual
premium rates may vary and will depend on the plan/coverage opted and company's
assessment of risk on insured's health, lifestyle, occupation etc. Refer Sales
Brochure for further details

 * Please know the associated risks and the applicable charges, from your
   insurance agent or the intermediary or policy document issued by the
   insurance company.
 * The Unit linked Insurance Products do not offer any liquidity during the
   first five years of the contract. The policyholder will not be able to
   surrender/withdraw the monies invested in Unit linked Insurance Products
   completely or partially till the end of the fifth year.
 * The investment risk in investment portfolio is borne by the policyholder.
 * Canara HSBC Life Insurance Company Limited is only the name of the insurance
   company and Canara HSBC Life Insurance Invest 4G is only the name of the unit
   linked insurance contract and does not in any way indicate the quality of the
   contract, its future prospects or returns.
 * Unit linked Insurance products are different from the traditional insurance
   products and are subject to the risk factors.
 * The premium paid in Unit linked Insurance policies are subject to investment
   risks associated with capital markets and the NAVs of the units may go up or
   down based on the performance of fund and factors influencing the capital
   market and the insured is responsible for his/her decisions.
 * The premium shall be adjusted on the due date even if it has been received in
   advance.
 * The various funds offered under this contract are the names of the funds and
   do not in any way indicate the quality of these funds, their future prospects
   and returns.
 * Past performance of the investment funds do not indicate the future
   performance of the same. Investors in the Scheme are not being offered any
   guaranteed / assured returns.
 * The premiums & funds are subject to certain charges related to the fund or to
   the premium paid.
 * Collection of advance premium shall be allowed within the same financial year
   for the premium due in that financial year However, where the premium due in
   a financial year is being collected in previous financial year, the premium
   may be collected for a maximum period of three months in advance of the due
   date of the premium. The premium so collected in advance shall only be
   adjusted on the due date of the premium. Such advance premium, if any, paid
   by the Policyholder shall not carry any interest.

7. The above scenario has been calculated for a 52 year old individual who has
opted for Canara HSBC Life Insurance Guaranteed Assured INcome - Long Term
Income plan option and has chosen Premium Payment Term - 12 years, Deferment
Period - 5 years, Income payout period - 30 years, income will commence at the
end of 18th year till the end of 47th year and Policy Term - 47 years, Income
Payout Frequency - Annual and an Annualized premium of Rs. 5 lacs. Guaranteed
Income displayed above is the sum of Assured Income installment + Loyalty Income
installment. The above benefits will be applicable, provided the policy is
in-force till the end of the Policy Term. For details on benefits and terms and
conditions applicable under the product, please refer the sales literature.

^Individual death claims settled and reported in public disclosures for FY
2022-23.

For more details on risk factors, terms and conditions please read the Sales
Brochure carefully before concluding a sale.

BEWARE OF SPURIOUS / FRAUD PHONE CALLS!

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.
© 2019-2023 Canara HSBC Life Insurance Co. Ltd.


GET SPECIALIST ADVICE NOW!

Your Full Name
Gender Male Female Others
Mobile Number
Email ID
Date of Birth
Education Below 10th 10th Pass Std XII Pass Diploma Graduate Post Graduate &
above
Occupation Salaried Self-Employed Housewife Student Retired Unemployed

Annual Income (In Lacs)

< 3
3-5
5-7
07-10
10-15
> 15
I agree that even if my contact number is registered with NDNC / NCPR, I would
still want the Company to contact me on the given number and email id for the
clarifications/product information sought by me and agree that i have read and
understood the Privacy Policy and agree to abide by the same.
Submit

THANK YOU FOR SHOWING INTEREST IN US (NAME OF THE CUSTOMER)

We will contact you shortly!


GET SPECIALIST ADVICE NOW!

Your Full Name
Mobile Number
Email ID
Date of Birth

Annual Income (In Lacs)

< 3
3-5
5-7
07-10
10-15
> 15
I agree that even if my contact number is registered with NDNC / NCPR, I would
still want the Company to contact me on the given number and email id for the
clarifications/product information sought by me and agree that i have read and
understood the Privacy Policy and agree to abide by the same.
Submit

THANK YOU FOR SHOWING INTEREST IN US (NAME OF THE CUSTOMER)

We will contact you shortly!

ALWAYS HAPPY TO ASSIST YOU!

Annual Income (In Lacs) 4-5 5-7 7-10 10-15 > 15
I authorize the company to contact me by Email, Phone, Whatsapp or any other
modes overriding my registry on NDNC/NCPR for clarifications / product
information. I have read, understand & agree to the Privacy Policy.
Consult Us



THANK YOU XXXX !

One of our associate will call you back shortly.



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