Why HDFC Life Guaranteed Wealth Plus is just right for you?
An Individual Non-Linked Non-Participating Savings Life Insurance Plan
This plan is suitable for you, if you are looking for long-term guaranteed returns to fulfil your dreams while providing financially security to your family.
Pay once or for a limited term, enjoy life insurance cover for full policy term
Avail guaranteed3 benefit as Lump sum or as Regular Income + Lump sum both
Guaranteed Income1 during the payout term + 100% ROP2 at maturity
This plan is suitable for you, if you are looking for long-term guaranteed returns to fulfil your dreams while providing financially security to your family.
Pay once or for a limited term, enjoy life insurance cover for full policy term
Avail guaranteed3 benefit as Lump sum or as Regular Income + Lump sum both
Guaranteed Income1 during the payout term + 100% ROP2 at maturity
- This applies to Income Variant, whereby guaranteed income is paid on survival of Life Assured during the policy term, provided all due Premium(s) are paid during the premium payment term.
- ROP – Return of Premiums. This applies to Income variant, whereby all base premiums are returned to Policyholder on survival of Life Assured at maturity, provided all due premiums are paid during the premium payment term.
- Quantum of benefits is guaranteed irrespective of the experience.
- This applies to Income Variant, whereby guaranteed income is paid on survival of Life Assured during the policy term, provided all due Premium(s) are paid during the premium payment term.
- ROP – Return of Premiums. This applies to Income variant, whereby all base premiums are returned to Policyholder on survival of Life Assured at maturity, provided all due premiums are paid during the premium payment term.
- Quantum of benefits is guaranteed irrespective of the experience.
Your Plan. Your Benefits
Flexibility to choose your policy and premium payment terms.
View the benefits available for you
- Maturity Benefit
- Survival Benefit
- Death Benefit
- Life Insurance Cover
Maturity Benefit
Maturity Benefit
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On survival till the end of policy term, the maturity benefit is payable depending upon the variant chosen at inception of the policy.
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Lump Sum Variant : Maturity benefit is received as a lump sum at the end of the chosen policy term. Maturity Benefit is calculated as a fixed percentage of either single premium or the sum total of Annualized Premiums1 payable under the Policy.
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Income Variant: Maturity benefit is received as a lump sum at the end of the chosen policy term. Maturity Benefit will be equal to 100% of the total premiums paid2 during the premium payment term.
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Disclaimer:
1. Annualized Premium shall be the premium amount payable in a year excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums.
2. Total Premiums Paid means total of all the premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly.
Check Eligibility Criteria
Before buying HDFC Life Guaranteed Wealth Plus
ELIGIBILITY CRITERIA
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Lump sum Variant |
Income Variant (Only applicable for Limited pay) |
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Policy Term |
12 & 15 years |
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Premium Payment Term (PPT) |
Single Pay, Limited Pay – 6 years, 8 years, 10 years |
Limited Pay – 5 years, 6 years, 7 years, 8 years, 10 years, 12 years |
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Minimum Age at Entry (as on last birthday) |
Single Pay |
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Lump Sum - 12 years PT: 6 Years Lump Sum - 15 years PT: 3 Years |
NA |
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Limited Pay |
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3 years (15 year Policy Term) 6 years (12 year Policy Term) |
0 years (30 days) |
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Maximum Age at Entry (as on last birthday) |
60 years |
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Minimum Age at Maturity (as on last birthday) |
18 years |
26 years |
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Maximum Age at Maturity (as on last birthday) |
Limited Pay |
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75 years |
103 years |
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Single Pay |
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75 Years |
NA |
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Minimum Premium2 |
Rs. 1,50,000 ( Single Pay) Rs. 75,000 (Annual) Rs. 60,000 (Half-Yearly) Rs. 10,000 (Monthly) |
Rs. 30,000 (Annual) Rs. 15,000 (Half-Yearly) Rs. 2,500 (Monthly) |
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Maximum Premium2 |
No Limit (subject to Board approved underwriting policy) |
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Premium Payment Mode |
Annual,Half Yearly, Monthly1, Single |
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Income Payout Mode |
Annual, Half Yearly, Quarterly, Monthly |
1. For monthly premium payment mode, 3 monthly premiums are collected in advance on the date of commencement of the policy.
2. Premium will vary depending upon the Option chosen.
Customise your cover with these riders
Riders in insurance have an important part in contingency planning. Top up your Saving Plan with them.
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HDFC Life Income Benefit on Accidental Disability Rider- Non Linked
UIN: 101B041V01
Get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.
DOWNLOAD -
HDFC Life Protect Plus Rider – Non Linked
UIN: 101B040V01
Get protected with a proportion of Rider Sum Assured in case of accidental death or partial/total disability due to accident or diagnosed with Cancer.
DOWNLOAD
1. This applies to Income Variant, whereby guaranteed income is paid on survival of Life Assured during the policy term, provided all due premiums are paid during the premium payment term.
2. ROP – Return of Premiums. This applies to Income variant, whereby all base premiums are returned to policyholder on survival of Life Assured at maturity, provided all due premiums are paid during the premium payment term.
3. Quantum of benefits is guaranteed irrespective of the experience.
ARN: PP/09/24/15939