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In this policy,the investment risks in the investment portfolio is borne by the policyholder
HDFC Life Wealth Maxima
HDFC Life Wealth Maxima
UIN: 101L162V01A wealth maximizing plan that adapts to your life
3 Product Variants to choose from
Opportunity to invest in funds of your choice
Loyalty Additions
1800-266-9777
(All Days, from 9am to 9pm, Toll Free)
Why HDFC Life Wealth Maxima is just right for you?
A Non–Participating Unit Linked Individual Life Insurance Savings Policy
This plan is suitable for investors looking for efficient wealth creation options and want to ensure higher financial protection for their family as their responsibilities grow.
3 plan options to suit your life stage needs
Comprehensive life cover
3 investment strategies to suit your risk appetite
Systematic investment option to benefit from equity markets
This plan is suitable for investors looking for efficient wealth creation options and want to ensure higher financial protection for their family as their responsibilities grow.
3 plan options to suit your life stage needs
Comprehensive life cover
3 investment strategies to suit your risk appetite
Systematic investment option to benefit from equity markets
Your Plan. Your Benefits
View the benefits available for you
- Plan options
- Maturity Benefit
- Investment Strategy
- Benefit Top-up
- Loyalty Benefit
- Tax Savings
Plan options
Plan options
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3 plan options with different levels of life cover.
Maxima Invest: Suitable for those looking to grow their money in most efficient manner. In this option, Death Benefit = Higher of (10 times the annualized premium or Fund Value)
Maxima Family: For those who are looking at an ideal balance between investment and protection. In this option, Death Benefit = 10 times1 the Annualized Premium + Fund Value
Maxima Child: To ensure your child’s dreams are fulfilled even in case of an unfortunate event. In this option, in addition to life cover being paid immediately, you get additional benefit of premium funding. Death Benefit Amount Paid Immediately = 10 times the Annualized Premium.
- Premium Funding : All future premiums are funded by the company on your behalf so that the plan still continues till maturity. On maturity, the fund value is paid to the beneficiary
- You can increase your life cover in same plan by moving from one plan option to another.
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Disclaimer:
1. For entry age of 45 years and above, you can choose life cover of 7 times the annualized premium. Life Cover can never be less than 105% of the total premiums paid.
Check Eligibility Criteria
ELIGIBILITY CRITERIA
Minimum Age at Entry |
Maxima Invest : 0 Years |
Maximum Age at Entry |
Maxima Invest : 65 Years |
Maximum Age at Maturity |
Maxima Invest : 75 Years |
Policy Term |
10, 15 to 20 Years |
Premium Payment Term |
Same as policy term |
Premium Payment Frequency |
Annual, Half-Yearly, Monthly2 |
Minimum Premium |
Annual : ₹36,000 |
Top Up Premium |
Minimum : ₹6,000 |
Sum Assured |
For age till 44 : Annualized premium x 10 |
Top Up Sum Assured |
1.25 times top-up premium |
1. In case of Maxima Child, the nominee must be a minor child.(age at entry 0-17 years)
2. For monthly mode, 3 monthly premiums will be required to be paid on the commencement of the policy.
Charges
A. Premium Allocation Charge (as a percentage of premium)
Year |
Annual |
Half-Yearly and Monthly |
|---|---|---|
1st |
6.00% |
4.75% |
2nd - 5th year |
4.00% |
3.25% |
6th year onwards |
2.50% |
2.50% |
For charges for policies sourced though Online Channel, click here
B. Policy Administration Charges (as a percentage of premium)
Year |
Charges as a percentage of annual premium |
|---|---|
1st - 5th year |
0.20% per month |
6th year onwards |
0.30% per month |
The maximum policy administration charge is capped at ₹500 per month
C. Fund Management Charge
Fund Management Charge is a charge levied on a daily basis as a percentage of the value of assets held in the unit fund at the time of computation of the unit price. The Fund Management Charges applicable, at present, are as follows:
Fund Name |
% of Fund Value (per annum) |
|---|---|
Individual Prime Equity Fund |
1.35% |
Individual Growth Fund |
1.25% |
Individual Balanced Fund |
1.25% |
Individual Secure Fund |
1.00% |
Individual Preserver Fund |
1.00% |
Active Asset Allocation Fund |
1.35% |
The maximum Fund management charge is capped at 1.35%
D. Charges on Partial Withdrawal / Fund Switching / Re-direction: Nil
The Unit 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 Unit Linked Insurance Products completely or partially till the end of fifth year.
HDFC Life Wealth Maxima (UIN: 101L162V01) is the name of the Non–Participating Unit Linked Individual Life Insurance Savings Policy.
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 Wealth Maxima (UIN: 101L162V01) 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.
ARN: EU/07/22/28278