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Protecting Your Financial Wicket: Insurance as a Defensive Strategy

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November 29, 2023

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The role of a wicketkeeper, in the game of cricket, is not to be taken lightly. They safeguard the wicket, catch the ball, and prevent the opposing team from scoring runs. When the going gets tough, you would always want an ace wicketkeeper on your side.

A wicketkeeper, after all, makes the batter think twice before stepping out of their batting crease.

A life insurance policy is that wicketkeeper when it comes to your family's financial security. It acts as a safety net that catches unanticipated financial burdens and wins financial stability for your family.

Plan for all powerplays

Cricket enthusiasts know that ODI cricket has three types of powerplays. The powerplay rules in ODI cricket divide an innings into three phases, overs 1-10, 11-40 and 41-50.

This is often similar to life and finances.  

A young person who has recently started playing may need the guidance of an experienced opening partner. They are often tasked with limited responsibilities and tend to focus on big hits. This is similar to a young person who has just started earning and is focused on short-term goals.

In the middle of the innings, batsmen can often be compared to parents as both want to ensure the best of everything for their team or children and then some. Parents want to guarantee a happy and secure future for them, just like a batsman would like to achieve a good total for his team by building a solid foundation.

Even later in the innings, batsmen become thoughtful investors, analysing and strategising the game and trying to protect the team's interests. Just like a person close to retirement who focuses on building a corpus and ensuring financial security for his loved ones.

Well bowled, well caught

Insurance is the expert wicketkeeper that you always want in your playing XI. Just like a wicketkeeper anticipates and limits the sudden movements of a batter, insurance can help protect any family from unforeseen circumstances.

To achieve this, you would do well to choose a financial product that offers protection to secure your family's future at all stages of life. Consider HDFC Life Click 2 Protect Super. This is a term insurance plan that provides you with varying cover along with comprehensive protection as per your evolving needs.

A good wicket keeper is known to adjust to the various factors in the game. Powerplays, an explosive batsman, changes in pace and field conditions. HDFC Life Click 2 Protect Super is a plan that acts like such a wicketkeeper. This plan insures your family's future while allowing you to adjust to their changing needs.

HDFC Life Click 2 Protect Super offers the flexibility to choose from multiple coverage options1 and the option to increase your coverage at key life stages2.

It also comes with 3 plan options, Life, Life Plus and Life Goal, to suit varying needs. Other features that help protect your financial wicket are the return of premium option, additional amount payable in case of accidental death3, acceleration of death benefit4 on diagnosis of specified terminal illness, increasing death benefit, additional cover for spouse5 and waiver of premium upon diagnosis of critical illness or disability.

Like a wicketkeeper protects the team's position in the game, a term plan offers a shield from financial uncertainties, ensuring your financial wicket is always protected.

Highlights

A good wicket keeper, adapts to the changing conditions on the ground and is always there for his team. Similarly, HDFC Life Click 2 Protect Super can help you protect your family's future needs while adjusting for changing needs over time. That said, cricket, like life, is a team effort. The wicketkeeper needs the support of other players to make the game a success. We at HDFC Life offer other products that provide comprehensive coverage, financial security, savings, and investment benefits to serve the needs of individuals across different life stages and priorities. 

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ARN: ED/11/23/6269

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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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Here's all you should know about life insurance.

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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.

Disclaimer

1. There are three different coverage options available under the plan – Level (Life Option – Variant A), Increasing (Life Option – Variant B & C) or Decreasing (Life Goal Option).

2. Life Assured should be less than 45 years of age during events.

3. Available as inbuilt feature under Life Plus plan option

4. Available as inbuilt feature under Life and Life Plus plan options

5. Available under Life and Life Plus plan options, upon payment of additional Premium(s)

HDFC Life Click 2 Protect Super (UIN No.: 101N145V02) is a Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings Life Insurance Plan. Life Insurance Coverage is available in this product.

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