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In this policy, the investment risk in the investment portfolio is borne by the policyholder
HDFC Life
Click 2 Retire
UIN: 101L108V05
Retirement is inevitable, but to plan for it is just a click away
Assured Vesting Benefit
No Premium Allocation Charges1
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1800-266-9777
(All Days, from 9am to 9pm, Toll Free)
Why Choose HDFC Life Click 2 Retire?
An Unit Linked pension product that helps you plan early to achieve your retirement goals
No entry charges (no premium allocation charge), no policy administration charges and no exit charges
Start your Retirement Plan at as low as ₹ 2000 per month
Maturity age starts as early as 45 years
Secure your retirement with Assured Vesting Benefit and also gain from upside in the market
Death benefits to the nominee which will be higher of the fund value of your policy at the time of death or 105% of total premiums paid till then
No entry charges (no premium allocation charge), no policy administration charges and no exit charges
Start your Retirement Plan at as low as ₹ 2000 per month
Maturity age starts as early as 45 years
Secure your retirement with Assured Vesting Benefit and also gain from upside in the market
Death benefits to the nominee which will be higher of the fund value of your policy at the time of death or 105% of total premiums paid till then
Customised Benefits
Flexibility to choose your policy and premium payment terms.
Know your benefits before buying this insurance cover
- Vesting Benefit
- Deferment Of Vesting Date
- Death Benefit
- Utilization of Policy Proceeds
Vesting Benefit
(Benefits on maturity of the policy)
Vesting Benefit
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Your policy vests at the end of the policy term and your Maturity (Vesting) Benefit will be the higher of the following: Fund Value or Assured Vesting Benefit.
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Assured Vesting Benefit can be calculated as: [101% +1% * (Policy Term minus Premium Paying Term)] * Total premiums paid till date.
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Regulation mandates how this Maturity (Vesting) Benefit will be payable to you. Please refer to ‘Utilization of Policy Proceeds’ section present below for details.
Are You Eligible?
Check this before buying HDFC Life Click 2 Retire
ELIGIBILITY CRITERIA
Eligibility Criteria |
Minimum |
Maximum |
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|---|---|---|---|---|
ENTRY AGE |
18 years |
65 years |
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VESTING AGE |
45 years |
75 years |
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PREMIUM PAYMENT TERMS 8 PAY |
Policy Term: 10, 15 to 35 years |
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PREMIUM PAYMENT TERM 10 PAY |
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PREMIUM PAYMENT TERM SINGLE PAY |
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PREMIUM PAYMENT TERM 15 PAY |
Policy Term: 15 to 35 years |
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All ages mentioned above are age last birthday. For all ages, risk commences from the date of inception of the contract.
Premium/Payment Frequency |
Regular & Limited Options |
Single Pay Options |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Minimum Premium |
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Maximum Premium |
No Limit* |
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*Subject to our Board Approved underwriting Policy.
For more details in risk factor, charges, term and conditions, please read the Product Brochure carefully and/or consult Financial before taking the decision.
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Frequently Asked Questions
We’ll tell you everything you need to know about HDFC Life Click 2 Retire
1 Why do I need the HDFC Life Click 2 Retire Scheme?
One of the biggest challenges of retirement planning is to ensure that you have gathered enough money during your working years that will take care of your expenses once you retire. Given the rising cost of living, increased life expectancy and inflation, investments towards your retirement fund is a must to have in your financial calculations. What is equally important is to ensure that there is adequate investment made towards retirement kitty. HDFC Life Click 2 Retire can help you achieve your retirement goals by planning well in advance for it.
2 Is this a market linked or traditional plan?
It is a Unit linked pension plan.
3 What are the charges applicable for this pension scheme?
Only the Fund Management Charge and the Investment Guarantee Charge are applicable on this plan.
4 What are the different policy terms and the premium paying term available with this pension scheme?
You can purchase the policy for a policy term of 10 years or from 15 to 35 years. The different terms available on the plan are as follows:
Premium Payment Term ( years) |
Policy Term (years) |
Single Pay |
10, 15 to 35 |
8 Pay |
10, 15 to 35 |
10 Pay |
10, 15 to 35 |
15 Pay |
15 to 35 |
5 What are the different premium payment frequencies available on this pension scheme?
The different premium payment frequencies are Annual, Half yearly, Quarterly and Monthly.
6 What is the minimum and maximum premium that needs to be paid?
The minimum and maximum premium that you need to pay across different frequencies is as follows:
Premium / Payment Frequency |
Regular & Limited |
Single Pay Options |
|
Minimum Premium |
Annual | 24000 | NA |
| Half Yearly | 12000 | NA |
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| Quarterly | 6000 | NA | |
| Monthly | 2000 | NA | |
| Single Pay | NA | 50000 | |
| Maximum Premium | No Limit+ | ||
There is no absolute maximum premium amount. However, the acceptance of any case is subject to our Board Approved Underwriting Policy
7 How will the pay out of the plan happen after maturity?
The payout after the maturity will be as follows:
Vesting Benefit: This is the higher of Fund value or Assure Vesting Benefit
On Vesting: On the date of vesting the policyholder shall be allowed:
i. To commute up to 60% and utilize the balance amount to purchase an immediate annuity or deferred annuity from us at the then prevailing annuity rates subject to point (ii) below.
ii. To purchase an immediate annuity or deferred annuity from another insurer at the then prevailing annuity rates to the extent of percentage, stipulated by the authority, currently 50%, of the entire proceeds of the policy net of commutation.
iii. In Addition, the policyholder will also have the option to extend the accumulation period or deferment period within the same policy with the same terms and conditions as the original policy provided the policyholder is below an age of 60 years.
In case the proceeds of the policy on vesting is not sufficient to purchase minimum annuity as defined in Regulation 3(a) of IRDAI (Minimum Limits for Annuities and Other Benefits) Regulations, 2015, as amended from time to time, such proceeds of the policy may be paid to the policyholder as lump sum.
8 How is the Assured Vesting Benefit calculated?
Assured Vesting Benefit can be calculated as:
[101% +1% * (Policy Term minus Premium Paying Term)] * Total premiums paid till date
In this policy, the investment risk in the investment portfolio is borne by the policyholder. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of 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 Click 2 Retire, (UIN: 101L108V05, Form No. P 501) is the name of a unit linked plan offered by HDFC Life. Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life 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 Insurance Company, HDFC Life is only the name of the brand and HDFC Life Click 2 Retire, (UIN: 101L108V05, Form No. P 501) is only the name of the unit linked life insurance contract. The name of the company, name of the brand and name of the contract 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 of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns
T&C*
- Only Fund Management & Investment Guarantee charges as applicable.
ARN: PP/10/24/17242