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HDFC Life Insurance Investment Plans

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In this day and age of rising prices, you can never be certain of meeting your financial needs in the future. That inflation eats into your savings and purchasing power, thereby increasing your financial requirements is a given. Nevertheless, insurance is a relatively safe financial instrument to secure your future to the extent that you can, based on your current finances and future needs.

You would not want to compromise on your family’s well-being in the event of an untoward incident and would, therefore, do well to opt for investment plans for both short-term and long-term financial goals. Savings and investment plans offer lump sum funds to meet your future expenses. Several insurance companies including HDFC Life offer a wide range of savings and investment plans.

Why HDFC Life Investment Plans?

HDFC offers a wide range of savings and investment plans with varying features and benefits to suit your requirements. You can avail of several benefits to ensure that your funds are growing. The plans pave way towards a more systematic approach to investment so you achieve your financial goals without any hassles.

The company offers differing types of investment options which have been highlighted below:

HDFC Life Click2 Invest

An online Unit-Linked plan, this plan provides market-linked returns and includes minimal charges to provide for your family.

Benefits
  • On survival till the end of policy term, fund value will be paid as maturity benefit.
  • In case of death of the life assured, the nominee will be paid the highest of the Fund value, Sum assured and 105% of the premium(s) paid.

HDFC Life Sanchay

This is a non-participating limited premium endowment plan. It provides guaranteed benefits with flexibility to choose your investment options.

Benefits
  • Provides guaranteed maturity benefits.
  • Offers limited premium paying term of 5, 8 or 10 years.
  • Provides flexibility to choose a policy term ranging from 15 to 25 years.
  • This plan also offers flexibility to choose the premium payment frequency

HDFC Life Sampoorn Samridhi Plus ">HDFC Life Super Income Plan

It is a regular income plan with guaranteed benefits and bonuses.

Benefits
  • Guaranteed Base Income (GBI) payouts (8.0% to 12.5% of the Sum Assured) every year.
  • Offers maturity payout , sum of the last guaranteed payout and accrued bonuses.
  • Provides cover in the event of death through the premium payment term and payout period.
  • Offers tax benefit under section 80C and 10(10D).

HDFC Life Sampoorn Samridhi Plus

This is an endowment plan which helps you to provide for your family needs.

Benefits
  • Lump sum amount payable at the end of policy term.
  • Lump sum payable at the end of policy term plus Sum Assured till 100 years or death, whichever is earlier.

HDFC SL Crest

A savings-cum-insurance unit-linked plan which offers limited premium paying term.

Benefits
  • For a limited term of 5 years, consumers have a coverage for 10 years.
  • Consumers can invest in four funds offering different levels of risks and returns.

HDFC Life ClassicAssure Plus

Under this plan, customers can pay premiums either annually, half-yearly, quarterly or monthly depending on your requirements.

Benefits
  • Customers can avail of loans under this plan.
  • Enjoy tax benefits under sections 80C and 10(10D) of Income Tax Act, 1961.

HDFC Life Super Savings Plan

This is a super plan which helps you pave way towards better financial coverage.

Benefits
  • On maturity, get the chosen sum assured and accrued bonuses.
  • Customers can choose a policy term ranging from 15 to 30 years.
  • Enhance your maturity benefits with reversionary bonus and terminal bonus.

HDFC Life ProGrowth Plus

Under this plan, customers are offered two plan options- Life and extra life option.

Benefits
  • Additional sum assured on death by accident.
  • Flexibility of formulating investment strategies.
  • Tax benefits under sections 80C and 10(10D) of Income Tax Act, 1961.

HDFC SL ProGrowth Super II

It is a unit-linked savings-cum-insurance plan which helps you provide for your family in times of need.

Benefits
  • Flexibility to change investment options.
  • Additional Sum assured on death by accident, disability and critical illness.
  • Tax benefits under section 80C and 10(10D) of the Income Tax Act, 1961.

HDFC SL ProGrowth Flexi

A savings-cum-insurance unit-linked plan (ULIP) which helps you to provide financial security to your loved ones.

Benefits
  • In the event of death, higher of the Sum Assured or total fund value will be paid
  • Opt for fund value at the prevailing unit prices or settlement option.
  • Flexibility to shift funds or future premiums to different categories
  • Tax benefits under sections 80C and 10(10D)

HDFC Life Invest Wise Plan

A single premium unit-linked insurance plan which helps you build savings over a period of time.

Benefits
  • Flexibility to invest in any of 4 non-guaranteed funds and switch funds.
  • In the event of the death of the life assured, higher of the Fund value or Sum Assured or 105% of premiums paid will be paid to the nominee.
  • Tax benefits under sections 80C and 10(10D) of the Income Tax Act 1961.

HDFC SL ProGrowth Maximiser

This is a single premium unit-linked plan which provides insurance coverage for a shorter horizon.

Benefits
  • Single premium plan which provides coverage for 10 years.
  • Customers can invest in four fund options and switch funds.
  • Flexibility to invest in additional single premium top-ups.
  • Tax benefits under sections 80C and 10(10D) of the Income Tax Act 1961.
Example

Seven years ago, Soumya, a 30-year-old HR executive had opted for a HDFC Life Super Savings Plan (regular premium endowment plan) and choose a policy term of 15 years. Owing to her accidental death, her nominee got an additional sum assured.

Useful Tips

Customers would do well to calculate the life cover or the sum assured in addition to analyzing several parameters such as income, dependents, debts, liabilities and so forth. Whether it is an endowment plan, term plan or unit-linked plan among others, you should opt for a life cover which best suites your requirements. You can also compare benefits offered by different insurance plans offered by HDFC to understand where you fit in and thereby make an informed decision.

One would do well to review one’s investment goals to zero in on the types of savings and investments plans most suitable. Several factors such as the timeframes, risk appetite, financial status and tax position among others should be considered before opting for any savings and investment plan. Also, the level of product charges and the rate of returns should also be looked into to make a proper assessment of your objectives.

Other HDFC Life Insurance Plans

GST of 18% is applicable on life insurance effective from the 1st of July, 2017

HDFC Life Insurance Investment Plans Reviews

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  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been holding my life insurance with HDFC LIFE INSURANCE recently in december , they have charge me nominal premium for a yearly basis, and it use to get through on line , and there agent was good they help me to get good policy and they use to update me if any update is there in this policy time to time.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my life insurance with HDFC LIFE,there service is good, i use to pay my premium on yearly basis , they have charged me up to 5000 rupees ,i use to pay through on line , they are not taken any extra charges,the agent had explain me clearly about there policy coverage.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • HDFC Life Life Insurance
    "Insurance for life"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy almost five years back and i had been paying the premium on an annual basis. The premium amount was not too high and the payment method has been easy as well. There has not been any issues faced with the services of them so far.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 16, 2019
  • HDFC Life Life Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy almost five years back and i had been paying the premium on an annual basis. The premium amount was not too high and the payment method has been easy as well. There has not been any issues faced with the services of them so far.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 13, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have applied my life insurance with HDFC LIFE , there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal,like i pay premium up to 6000 rupees for two years, it was on yearly basis , and it use to get auto debited from my account.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jan 08, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my life insurance with HDFC LIFE, there service is good, the agent had explain me about the policy coverage,and about plan benefits clearly, and the premium amount they have charged me on yearly basis, and they have charged me up to 14,000 it is nominal , and i use to pay the premium amount through on line.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 08, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my life insurance policy with HDFC life,there service is good, there premium they have charged me was nominal, i pay premium on monthly basis, and there agent had properly explain about the plan benefits and policy ,overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 07, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have applied my life insurance with HDFC life, there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal, it was on yearly basis , and i use to pay premium through on line.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 07, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my life insurance with HDFC life insurance, there service is good, there agent had explained me clearly about the policy coverage and benefits,and the premium amount i use to pay in yearly basis, and the premium amount is nominal,and overall service is good.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 06, 2019
  • HDFC Life Life Insurance
    "Don't go with HDFC LIFE for Insurance"
    0.5 2.0/5 "Expected more"
    I have invested Rs. 80000 in HDFC LIFE. They have deducted the money from my account but they have not able to generate a bill. Due to the uncertanity, i have not continued with this policy. They charged me twice for single premium. I closed the policy but they have taken long time to return the money anyway it took a long process. I spoke with the call centre regarding this issue but they were not helpful.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 02, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 4.5/5 "Excellent!"
    I have been using the HDFC Life Insurance policy for long time. they charge nominal premium for this policy it also offers accidental benefits and I make payment through online. so in terms of features and their service it has been a good experience with them. HDFC Life is a recommendable insurance provider.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 02, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have applied my life insurance with Life insurance corporation of India, there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal, it was on yearly basis , and i use to pay premium through on line.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 24, 2018
  • HDFC Life Life Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have chosen the investment plan in HDFC. In 2016, i have taken this policy. I pay the premium of Rs. 40000 per annum. Through online, i make the payment. Total tenure period of the policy is 10 years. This is a tax benefitable policy. I don't remember about the sum assured amount.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 22, 2018
  • HDFC Life Life Insurance
    "Good Benefits after tenure"
    0.5 4.0/5 "Great!"
    I am an existing customer I used to pay the premium around Rs. 25,000 per annum for the total tenure of 10 years. Then I get the benefits with the sum assured value and bonus of the premium and they do have life coverage and I am getting the tax benefits too.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 20, 2018
  • HDFC Life Life Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I hold a life insurance policy with HDFC LIFE from last 7 years and it is a long term policy. I make my premium payments on yearly basis through net banking and i am convenient with the payment options. The returns and benefits are good with this policy and tenure period is 10 years.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 20, 2018
  • HDFC Life Life Insurance
    "GOOD"
    0.5 3.0/5 "Satisfactory"
    I am not satisfied with the service of the HDFC LIFE where i have purchased the life insurance policy with this HDFC LIFE. I have started using it from past few years where the policy is very good. They give the fake promises for this policy....
    Was this review helpful? 2
    , bangalore
    Reviewed on Dec 15, 2018
  • HDFC Life Life Insurance
    "Fine policy for emergency purpose"
    0.5 5.0/5 "Blown Away!"
    Along with my personal loan they have provided me a life insurance policy from HDFC LIFE. I have to pay the premium amount of Rs. 6000 in a year. I used to pay the premium through online. Total tenure period of the policy is 4 years. I'm getting a sum assured amount of Rs. 3 lakhs.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 13, 2018
  • HDFC Life Life Insurance
    "Every salary holder must taken this policy"
    0.5 4.0/5 "Great!"
    I have purchased the HDFC accidental policy nearly 4 years before. I have been paying the premium amount of Rs. 80000. I used to make the premium through my credit card and i covert into EMI basis. This is annual payment mode policy. This policy has coverage value of Rs. 15 lakhs and all my member covered in this policy
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 13, 2018
  • HDFC Life Life Insurance
    "Yet to experience the policy"
    0.5 4.0/5 "Great!"
    I have purchased a ULIP policy from HDFC Life. 4 months before i have taken this policy. I have been paying the premium amount of Rs. 2000 every month. The sum assured amount is 5 lakhs. This is a tax benefitable policy. Through Internet i have purchased this policy. I make the payment in online by using the debit card.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 11, 2018
  • HDFC Life Life Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I am having a life insurance policy with HDFC LIFE from last 9 years and it is a long term policy. I make my premium payment through online and on yearly basis. I am convenient with the payment options and tenure period for this policy is 15 years. I am happy with the returns and benefits on this policy.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 11, 2018
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