Why is C2PP3D the Ideal Term Insurance for You?

If you seek to purchase a term insurance policy, you may opt for HDFC Life Click 2Protect 3D Plus (C2PP3D) plan. The term insurance plan ensures a comprehensive security at all times.

The HDFC Life Click 2Protect Plus 3D plan offers you the flexibility to choose your policy and premium payment terms. In the case of Accidental Total Permanent Disability, you receive a waiver of all the future premiums. The plan also offers multiple premium rates for females and non-tobacco users. You may also enjoy tax benefits as per the Income Tax Act, 1961.

The HDFC Life Click 2Protect Plus 3D term insurance policy allows you to customize your plan from a choice of nine options. There are six options available for those who wish that their family receives the entire amount in a single go, namely Life Option, Extra Life Option, 3D Life Option, Life Long Protection Option, 3D Life Long Protection Option, and Return of Premium Option. Besides, there are three options available for those who wish to receive regular income in addition to the lump sum amount. This includes Income Option, Extra Life Income Option, and Income Replacement Option.

1. Life Option

   In the case of diagnosis of a terminal illness or death, your nominee is entitled to receive a lump-sum benefit. Additionally, there is a waiver of all future premiums in case of Accidental Total Permanent Disability (ATPD).

2. 3D Life Option

   It covers three uncertainties of life, Death, Disability, and Disease. Along with the benefits received under the Life Option, the 3D Life Option offers the benefit of waiver of all future premiums in case you are diagnosed with any of the specified Critical Illness.

3. Extra Life Option

   Along with the benefits received from the Life Option, an added Extra Life sum assured will be given to your nominee in case of your death because of an accident. At the time of the inception of the policy, you may choose the sum assured and the Extra Life sum assured.

4. Income Option

   Sometimes it becomes difficult to receive regular income in case of demise of the sole breadwinner of the family. The Income Option ensures that your family receives a regular stream of income along with the lump sum benefit.

5. Extra Life Income Option

   Along with the benefits received under the Income Option, an added lump sum and income advantage is paid to the nominee in case of your death due to an accident.

6. Income Replacement Option

   In the absence of the breadwinner, the family faces financial difficulties. In order to avoid such a situation, you may opt for the Income Replacement Option. If you are diagnosed with Terminal Illness or in the case of your demise, your nominee is entitled to receive 12 times the applicable monthly income in a lump sum along with a level or increasing income for the rest of the term. Also, in the case of total permanent accidental disability, you will receive a waiver of all your future premiums.

7. Return of Premium Option

   While traditional term policies do not return premiums in case of survival, the Return of Premium Option offers are turn of premiums if you survive until the policy term ends. Besides, your nominee will receive the sum assured in case of death or diagnosis of a terminal illness during the term. Additionally, you will get a waiver of all future premiums in case of total permanent accidental disability.

8. Life Long Protection Option

   As the name suggests, this option protects you for your entire life. In the case of death or diagnosis of a Terminal Illness, your nominee is entitled to receive a lump-sum benefit. Additionally, you will receive a waiver of all future premiums in case of Accidental Total Permanent Disability.

9. 3D Life Long Protection Option

   Along with the benefits under the Life Long Protection Option, you receive an additional benefit of waiver of future premiums if you are diagnosed with any of the pre-determined critical illness covered by HDFC Life Click 2 Protect 3D Plus.

   A characteristic of the C2PP3D plan is the 3D protection feature. With the 3D Life and 3D Life Long Protection options, you receive a waiver of all future premiums in case of diagnosis of critical illnesses such as major head trauma, third-degree burns, cancer of specified severity, and end-stage liver disease, among many others.

   You may avail of the HDFC Life Click to Protect 3D Plus plan through the Internet and enjoy a high degree of convenience. Availing of a online term plan allows you to view benefits, eligibility criteria, terms and conditions, and a list of critical illnesses from the comfort of your home, thus providing comprehensive information on the plan.