A Unit-Linked Insurance Plan (ULIP) is a type of life insurance policy that offers the added advantage of
investment opportunities. ULIPs enable policyholders to invest in various debt and equity funds. ULIPs are
linked to the capital market. During the policy term, the policyholder also receives life coverage, which helps
safeguard their family’s financial future. There are two components to ULIP Plans: The insurance component and
the investment component.
IMPORTANT: These plans are suitable for you, if:
you are willing to take up higher risks of investing in the stock market. There is no guaranteed return on
your investment. You may get a higher return than what is offered by traditional plans.
you don’t mind paying regular premiums for the stipulated time (in regular or limited pay options)
you don’t mind the initial lock-in period of five years
you don’t mind the low value of the life cover offered by some ULIP plans
you don’t wish to invest directly in the stock market or in mutual funds
HDFC Life Smart Protect Plan
A plan that provides a protection cover and caters to your need of long term wealth creation.
Choose from 4 Plan Options as per your needs
Boost your fund value with 4 kinds of Loyalty Additions
Return of 2X to 3X Mortality Charge,
Return of 2X Premium Allocation Charge,
Return of Fund Management Charge,
Return of 2X of Investment Guarantee Charge
Get a Minimum Assured Benefit1 in the form of capital guarantee in spite of market fluctuations
Choose from 6 Funds2 to optimize your investment returns
Flexibility to choose the premium payment option- Regular or Limited (5 to 12 years)
Reduce your Death Benefit Cover after a chosen period under Decreasing Cover and Decreasing Cover with
Capital Guarantee plan options
HDFC Life Sampoorn Nivesh
A Unit Linked Non Participating Life Insurance Plan for your financial protection needs
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
Get Loyalty Additions3 of up to 1.8% of the average fund value after 10th Policy Year onwards
Reduced premium allocation charge on investing higher premium amount
Avail Tax Benefit as per Income Tax Act, 1961
HDFC Life Click2Wealth
Choose from 11 Funds to maximize your investment
Enjoy unlimited free Switching option
Minimal Charges: Only Fund Management charge towards managing your funds and Mortality charge towards your
life cover
Enjoy special addition of 1% of premium allocated to your fund for first 5 years
All your future Premium(s) will be waived off and your fund will stay invested in case of death of the
Proposer
Opt for systematic withdrawal from your funds for post retirement income
Return of Mortality Charges (ROMC) on Maturity: In case of Premium Waiver option, Mortality charges
pertaining to only the Life Assured would be refunded
