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Why HDFC Life Smart Income Plan is just right for you?

 A Non-Linked Participating Individual Life Insurance Savings Plan

Why HDFC Life Sanchay Legacy?
  • This plan is suitable to you, if you are looking to secure a guaranteed source of income to fulfil your family’s dreams and aspirations.

  • This plan also safeguards your family’s financial future by offering life insurance cover for full policy term.

  • Option of Enhanced Maturity / Enhanced Income

  • Pay for a limited term 6/8/10/12 years only and get income for 12/16/20/24 year

  • Flexible options to avail potential upside of benefits through bonuses (if declared)

  • Guaranteed Income Benefit1

  • This plan is suitable to you, if you are looking to secure a guaranteed source of income to fulfil your family’s dreams and aspirations.

  • This plan also safeguards your family’s financial future by offering life insurance cover for full policy term.

  • Option of Enhanced Maturity / Enhanced Income

  • Pay for a limited term 6/8/10/12 years only and get income for 12/16/20/24 year

  • Flexible options to avail potential upside of benefits through bonuses (if declared)

  • Guaranteed Income Benefit1

Why HDFC Life Sanchay Legacy?

1. Guaranteed Income Benefit (GIB) is paid on survival during the income payout term, provided all due premiums are paid during the premium payment term. The last installment of GIB is paid as part of maturity benefit and other installments are paid as part of survival benefits during the policy term.

1. Guaranteed Income Benefit (GIB) is paid on survival during the income payout term, provided all due premiums are paid during the premium payment term. The last installment of GIB is paid as part of maturity benefit and other installments are paid as part of survival benefits during the policy term.

Your Plan. Your Benefits

View the benefits available for you

  • Maturity Benefit
  • Survival Benefit
  • Death Benefit

Maturity Benefit

Check Eligibility Criteria

ELIGIBILITY CRITERIA

   

Eligibility Parameters Premium Payment Term

6 years

8 Years 

10 Years

12 Years 

Policy Term

19 years 

25 years

31 years 

37 years

Minimum Age at entry (as on last birthday) 

10 years

8 years 

6 years

4 years 

Maximum Age at Entry (as on last birthday)

60 years 

Minimum Age at Maturity (as on last birthday)

29 years 

Maximum Age at Maturity (as on last birthday)

97 years 

Minimum Sum Assured

As per minimum premium

Maximum Sum Assured

No Limit (subject to Board approved underwriting policy) 

Minimum Premium (₹)

Annual

Rs. 30,000

Half- Yearly 

Rs. 18,000

Monthly
Rs. 3,000
Maximum Premium (₹)
No Limit (subject to Board approved underwriting policy)

Premium Payment Mode

Annual, Half-Yearly, Monthly1

Income Payout Term 

12 Years

16 Years 
20 Years
24 Years 
Income Payout Mode

Annual 

1. For monthly premium payment mode, 3 monthly premiums are collected in advance on the date of commencement of the policy.

Customise your cover with these riders

Riders in insurance have an important part in contingency planning. Top up your Saving Plan with them.
  • icon

    HDFC Life Income Benefit on Accidental Disability Rider

    UIN: 101B013V03

    Get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.

    DOWNLOAD
  • icon

    HDFC Life Critical Illness Plus Rider

    UIN: 101B014V02

    We pay a lump sum amount equal to Rider Sum Assured upfront if diagnosed with of any of the specified critical illnesses.

    DOWNLOAD
  • icon

    HDFC Life Protect Plus Rider

    UIN: 101B016V01

    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. Guaranteed Income Benefit (GIB) is paid on survival during the income payout term, provided all due premiums are paid during the premium payment term. The last installment of GIB is paid as part of maturity benefit and other installments are paid as part of survival benefits during the policy term.

ARN: PP/04/23/1796