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  • Canara HSBC Oriental Bank of Commerce Traditional Plans

    Canara HSBC Oriental Bank Of Commerce Life Insurance

    Canara HSBC Oriental Bank of Commerce offers smart insurance plans that can help you prepare effectively for retired life. Based on your own personal preferences and requirements, there are five plans to choose from. The eligibility criteria for each plan with depend on a variety of factors, but here are the plans and their key features to help you better understand which policy best suits your requirements.

    1. Smart Stage Money Back Plan

      This plan from Canara HSBC Oriental Bank of Commerce offers financial coverage to the family of the policyholder by providing life cover, thereby helping you remain prepared for the important milestones in life. Payouts will be granted to customers based on the completion of milestones via guaranteed money backs. Whether the milestones are related to the education of your child, their extracurricular activities, or the aspirational requirements of the policyholders, such as buying a new property or taking an exotic vacation.

      Features and Benefits of Smart Stage Money Back Plan

      1. Life insurance protection for 15 years.
      2. Annual bonus as well as final bonus that will be paid out at lump sum during the fifteenth year of the policy term.
      3. Guaranteed money back payouts equivalent to 15% of the sum assured, payable in the fourth, eighth and twelfth years of the policy term.
      4. Limited payout term of just 11 years with Monthly and Annual option.
    2. Smart Immediate Income Plan

      The Smart Immediate Income Plan from Canara HSBC Oriental Bank of Commerce ensures that policyholders receive a regular guaranteed income after retiring from professional life. The plan will offer annuity instalments for the rest of your retired life, thus ensuring that financial concerns are none of your business.

      Features and Benefits of Smart Immediate Income Plan

      1. Guaranteed income for the entirety of retired life.
      2. The income will be directly credited to the individual’s bank account.
      3. Choice of receiving regular payment either for the entirety of the individuals own retired life, or his / her spouse’s life.
      4. Flexible annuity instalment frequency.
      5. In case of the policyholder’s death, his / her family will receive the safety net via return of purchase price.
      6. Advantage of higher annuity instalment for high purchase price.
    3. Smart Monthly Income Plan

      The Smart Monthly Income Plan from Canara HSBC Oriental Bank of Commerce ensures that policyholders can gain an easy path towards planning for their retirement.

      Features and Benefits of Smart Monthly Income Plan

      1. Guaranteed monthly income for 15 years.
      2. The income received is tax free.
      3. Annual and final bonus on offer to accrue lump sum funds and build a pool of money to cover your family.
      4. Guaranteed bonuses and income to improve your lifestyle.
      5. Choice of loan flexibility.
    4. Smart Future Income Plan

      The Smart Future Income Plan from Canara HSBC Oriental Bank of Commerce enables individuals to plan effectively for retirement.

      Features and Benefits of Smart Future Income Plan

      1. Guaranteed monthly income for 15 years.
      2. The monthly income received by the individual will be tax free.
      3. Lump sum funds can be accrued via final and annual bonuses to build a pool of wealth for your dependants.
      4. Life protection for 25 years.
      5. Guaranteed bonuses and income to improve your lifestyle.
      6. Choice of loan flexibility for meeting contingent requirements.
    5. Smart Vriddhi Plan

      The Smart Vriddhi Plan from Canara HSBC Oriental Bank of Commerce is ideal for those who wish to plan their savings whilst also ensuring that their family is financially protected at affordable premiums.

      Features and Benefits of Smart Vriddhi Plan

      1. The Smart Vriddhi Plan offers financial coverage for your family for 10 years if the Life Assured expires before the end of the policy term.
      2. Extra protection can be availed via inbuilt accidental death benefit.
      3. The premium payment term is limited to just five years, but life cover can be enjoyed for 10 years.
      4. Coverage will be offered depending on the individual’s health declaration when proposing the terms and conditions of the policy, meaning that no medicals will be required.
      5. Premiums are affordable, starting from just Rs.8000 per annum.
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