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How safe is it to invest in a ULIP?

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July 19, 2023

In this policy, the investment risks in the investment portfolio is borne by the policyholder.

Every good financial plan includes life coverage and investment options. A Unit-Linked Insurance Plan (ULIP) provides life coverage to safeguard your family’s financial future while helping you invest to meet your future financial goals. When you purchase a ULIP, you can distribute the investment amount across various debt, equity and mixed funds, which earn returns based on market performance. However, market-linked returns could expose you to risk. If you’re looking for a safe investment option, consider enjoying the benefits of a ULIP while keeping your capital safe with the HDFC Life Smart Protect Plan.

You can build long-term wealth with this policy while enjoying a high sum assured and a capital guarantee. Let’s better understand how this ULIP helps you achieve your future financial goals.

Long-Term Wealth Creation

ULIPs come with a five-year lock-in period. They help build financial discipline and inculcate a habit of saving and investing for the future. Since you cannot withdraw funds for five years, the policy builds wealth over time.

Capital Guarantee Option

The HDFC Life Smart Protect Plan offers two capital guarantee plan options. You will get a minimum assured benefit at maturity if you select one of the capital guarantee plan options.

Flexible Investment Options

When you invest in the HDFC Life Smart Protect Plan, you can choose between four plan options and five funds. The policy offers unlimited free switching, allowing you to make the most of dynamic market conditions.

High Sum Assured

The HDFC Life Smart Protect Plan offers life coverage up to 100 times the premium. The sum assured also depends on your age, premium payments and policy tenure. However, you can select an amount that protects your family’s future if anything happens to you.

Highly Customisable

You can choose up to three riders to customise your ULIP and enhance your protection.

Although ULIPs offer market-linked returns and come with risks, you can safely invest by selecting the HDFC Life Smart Protect Plan and choosing a capital guarantee plan option. Apart from investing for your future goals, the plan safeguards your family’s financial future making this ULIP a safe investment.
 

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ARN: ED/06/23/2882

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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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.

Disclaimers

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 or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. HDFC Life Smart Protect Plan (UIN:101L175V01) is a Non-Participating, Individual Life Unit-Linked Insurance Plan. HDFC Life Smart Protect Plan is the name of the Unit linked product. 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. HDFC Life Insurance Company Limited is only the name of the Life Insurance Company and HDFC Life Smart Protect Plan (UIN:101L175V01) 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. 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 various funds offered under this contact are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

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