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Why You Need HDFC Life's New Term Plan

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November 19, 2016

We all plan for the future in our own way. We put away money for our first house on our own. We put away savings for our retirement. We even put away money every month just in case. But we always plan for our own future. There are times we need to make a difficult decision; the decision to look after our family's financial future one that doesn't necessarily involve us. If you've already made the prudent decision to plan for every possibility, you probably already have a term plan. One of the most economical life insurance policies, a term plan will provide your family with a financial security blanket if anything was to happen to you.

But, is your term plan doing enough? HDFC Life's new Click 2 Protect 3D Plus Plan is a one-of-a-kind plan that takes care of the three D's Death, Disability and Disease. This first of its kind plan comes in 9 different options, allowing you to choose the option that best suits your personal needs.

If you aren't convinced here, here are just some of the benefits that this plan offers you:

Accidental Death Benefit: (Available under Extra Life and Extra Life Income Options)

As a life insurance policy, this term plan will provide a lump sum to the insured party's nominee in case of an accidental death. This basically means that if something were to happen to you tomorrow, your family wouldn't be at a complete financial loss without you. Whether you're the primary bread winner of the family, or if you and your spouse both contribute to the household, having financial security is always important.

Premium Waivers:

The reason this policy is so appealing is because it also helps out the insured party in case of a disability or a critical disease. If you are insured under this policy, and meet with an accident that leaves you totally permanently disabled, or if you are diagnosed with a covered critical illness(under 3D Life & 3D Life Long Protection options), all your future premiums are waived off. However, the plan will continue. So, even though you aren't paying future premiums any more, your life is still covered by the policy.

Lumpsum/ Income Benefit:

Based on the plan you choose, your nominee will either be provided with a lump sum amount if something were to happen to you, or you can choose to have the money provided to them as a regular income or both. This way, your family can be rest assured that they have some additional income every year for a stipulated period of time.

Whole Life Protection (Under Life Long Protection & 3D Life Long Protection options):

What makes this term plan different than any other term plan is that it provides you with the option of cover for life. What's more, if you choose the Life Stage Protection feature, your insurance will increase when you achieve certain milestones such as getting married, or welcoming your first child. This way, as your role in your family changes, your insured amount will change as well, ensuring that your family members will always be protected.

Having to think about a time when we are no longer around to look after our loved ones is truly heart breaking. However, it's the best way to ensure that we leave behind a legacy worth remembering, and give our family members the opportunity to continue to live a happy and fulfilling life, even if we aren't there to enjoy it with them. If you're ready to make the smart choice, check out the plan options offered under HDFC Life's Click 2 Protect 3 D Plus plan.

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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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