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RESUME APPLICATION PAY PREMIUM

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Why HDFC Life Click 2 Wealth is just right for you?

A Unit Linked Non-Participating Individual Life Insurance Plan that offers market linked returns

Why HDFC Life Click 2 Wealth

  • Choose from 11 funds to maximize your investment

  • Enjoy unlimited free switching option

  • Minimal Charges: Only Fund Management charge towards managing your funds and Mortality charge towards your life cover

  • Enjoy special addition of 1% of premium allocated to your fund for first 5 years1

  • All your future premiums will be waived off and your fund will stay invested in case of death of the proposer2

  • Opt for systematic withdrawal from your funds for post retirement income

  • Choose from 11 funds to maximize your investment

  • Enjoy unlimited free switching option

  • Minimal Charges: Only Fund Management charge towards managing your funds and Mortality charge towards your life cover

  • Enjoy special addition of 1% of premium allocated to your fund for first 5 years1

  • All your future premiums will be waived off and your fund will stay invested in case of death of the proposer2

  • Opt for systematic withdrawal from your funds for post retirement income

Why HDFC Life Click 2 Wealth
  1. For Single premium, the special addition is 1% of the
    Single premium at inception only.
  2. This feature is available under the Premium Waiver option
  1. For Single premium, the special addition is 1% of the
    Single premium at inception only.
  2. This feature is available under the Premium Waiver option

Meet your long term goals

Choose your policy and terms

Choose the options that best suits your life stage

  • Invest Plus Option
  • Premium Waiver Option
  • Golden Years Benefit Option

Invest Plus Option

(Maturity benefits, death benefits, fund boosts and more)

Heart-Icon Maturity Benefit

  • A classic wealth creation option. 

  • Accumulated Fund Value on Maturity along with the return of mortality charges.

  • Fund Value will be calculated by multiplying balance units in your fund by the then prevailing unit price.

  • Disclaimer:

    For complete details, please read the Product brochure.

Heart-Icon Death Benefit

  • On Death of Life Assured - Highest of: 

    • Total Sum Assured less an amount of Partial withdrawals1 made, if any, will be paid to the nominee 
    • 105% of Total Premiums paid.
    • Fund Value

  • Disclaimer:

    1. The partial withdrawals to be deducted from the Total Sum Assured shall be: All partial withdrawals (except from the top-up fund value) made during the two year period immediately preceding the date of death.

    For complete details, please read the Product brochure.

Heart-Icon Fund Boosters (Added Benefits)

  • At maturity, the total amount of mortality charges1 deducted from the cover will be added to the fund value.

  • For Regular and Limited Pay Policies, 1% of your Annualised premium shall be added to the Fund Value at the time of allocation of premium for first 5 policy years.

  • Disclaimer:

    1. Excluding extra mortality charge, mortality charge on account of waiver of premium for Proposer & taxes levied on mortality charge as applicable.

    For complete details, please read the Product brochure.

Talk to an Advisor

Check out our Eligibility Criteria

Before buying HDFC Life Click 2 Wealth

ELIGIBILITY CRITERIA

Eligibility Criteria

Invest Plus

Premium Waiver Option

Golden Years Benefit Option

ENTRY AGE

Life Assured: 0 years (30 days) to 60 years

 Life Assured: 0 years (30 days) to 60 years

 Proposer: 18 years to 65 years

 Life Assured: 0 years (30 days) to 60 years

PREMIUM PAYING TERM

 Single Pay

 Limited: 5, 7 and 10 years

 Regular: 10 to 40 years

  

Limited: 5, 7 and 10 years

 Regular: 10 to 40 years

  

Limited Pay: 10 to 70 minus Age at Entry

MATURITY AGE

 18 years to 75 years

 18 years to 75 years

 99 years

MINIMUM PREMIUMS
  • Single: ₹ 24,000
  • Quarterly: ₹ 3,000
  • Annual: ₹ 12,000
  • Monthly: ₹ 1,000
  • Half-yearly: ₹ 6,000
  • Single: ₹ 24,000
  • Quarterly: ₹ 3,000
  • Annual: ₹ 12,000
  • Monthly: ₹ 1,000
  • Half-yearly: ₹ 6,000
  • Single: ₹ 24,000
  • Quarterly: ₹ 3,000
  • Annual: ₹ 12,000
  • Monthly: ₹ 1,000
  • Half-yearly: ₹ 6,000

MAXIMUM PREMIUMS

No Limit, subject to Board Approved Underwriting Policy (BAUP)

POLICY TERM

 10 to 40 years

 99 minus Age at Entry

If the policyholder opts for the monthly premium frequency, we may collect three months’ premiums in advance on the date of commencement of policy, as a prerequisite to allow monthly mode of premium payment.

Choose your Sum Assured

Parameters

Boundary Conditions

 Minimum

 Maximum

 SUM ASSURED

 Single Pay1

1.25 x Single Premium

Maximum Sum Assured shall be as per Board Approved Underwriting Policy (BAUP).

 Regular & Limited Pay

10 x Annualized Premium

 Top-up

1.25 x Top-up Premium

All ages are of last birthday.

  1. Not Applicable for Premium Waiver option and Golden Years Benefit option.

ULIPs are simple to understand!

Tune in to this video to know about our ULIPs.


Customise your cover these riders

Riders in insurance have an important part in contingency planning. A ULIP is incomplete without 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 the 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
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The values shown here are only for illustration. The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.

Have a question?

We’ll tell you everything you need to know about HDFC Life Click 2 Wealth

1 What is HDFC Life Click 2 Wealth?

HDFC Life Click 2 Wealth is a Unit Linked Non-Participating Individual Life Insurance Plan that comes with three plan options – Invest Plus, the classic wealth creation option, Premium Waiver option, wherein the future premiums are paid by the Insurer in case of death of the premium payor (different from the Life Assured) & Golden Years Benefit option which provides life cover till 99 years of age.

2 How does Premium Waiver option work?

Under Premium Waiver option, Policy Proposer is different from the Life Assured under the policy. This plan waives off all future premiums in the case of proposer's death. The future premiums are paid off by us to ensure that fund does not stop growing. The Policy continues with risk cover for Life Assured and the accumulated Fund Value is paid on Maturity. This plan is appropriate for an investor who doesn't want any interruption in creating a corpus for achieving the long-term goals of his dependents.

3 How does Golden Years Benefit option work?

Under Golden Years Benefit option, the Life Assured has to pay the premiums for a limited term (till the age of 70 years at max) to enjoy life cover till the age of 99 years. The policyholder can also opt for Systematic Withdrawal facility to generate recurring post retirement income for the accumulated fund.

4 What are the charges under this plan?

Charges:

  • Premium allocation charge:  NIL
  • Policy administration charge:  NIL
  • Fund Management Charge:  0.80% p.a. of the fund value for Liquid Fund, Bond Plus Fund & Secure Advantage Fund and 1.35% p.a. of the fund value for Diversified Equity, Blue Chip, Balanced, Bond, Discovery, Equity Advantage, Opportunities Funds charged daily.
  • Mortality Charge:  The amount of the charge taken each month depends on ages of the life assured & the proposer (for Premium Waiver option) and level of cover.
  • Partial withdrawal charge:  NIL
  • Switching charge:  NIL
  • Premium Redirection Charge:  NIL
  • Discontinuance charge:  NIL
  • Miscellaneous Charge:  NIL
  • Taxes and Applicable Levies:

 

As per the current Tax Laws, Goods & Services Tax and other statutory levies are applicable. Tax laws are subject to changes.

5 Where is the premium amount invested?

HDFC Life Click 2 Wealth gives you option of 11 different funds to invest your money. Each fund has its own Investment policy, based on asset allocation between equity, debt and money market instruments. You can invest in a combination of funds by allocating your fund between different fund options. Also, you can switch between funds using fund switch option at any time without any charge.

6 Is there option for STP?

You can choose to avail Systematic Transfer Plan (STP) which gives you the benefits of rupee cost averaging. The transfer will be done in 12 equal installments. The transfer date can be either 1st or 15th of every month as chosen by you.

7 Can I Top-up my premiums once the policy is active?

You have the option of paying Top-up premiums in this policy. Total Top-up should not exceed the sum total of the regular/ limited premiums paid at that point of time or initial single premium paid. Top-up premiums are not permitted during the last 5 years of the contract. Top-Up Premium will carry a Sum Assured of 125% of the amount of Top-Up Premium.

8 What is the Settlement Option?

The policyholder has the option to take the maturity benefit in periodical installments over a period, which may extend to 5 years, first installment payable on the maturity date.

9 Do I get any benefit on Survival?

On survival of the life assured till the end of the Policy Term (maturity) under all options, LA will receive the Fund Value as a lump sum benefit.

10 How is Fund Value calculated?

Fund Value will be calculated by multiplying balance units in your fund(s) by the then prevailing unit price(s).

11 What is the death benefit?

Sum Assured on death is payable as a lump sum on death of the life assured during the Policy Term.

Sum Assured on death of the Life Assured is the highest of:

  • Total Sum Assured less an amount for Partial withdrawals* made, if any, where Total Sum Assured is Basic Sum Assured plus any additional Sum Assured in respect of Top-ups

  • Total Fund value

  • 105% of Total premiums paid

  • On death of the Proposer (for Premium Waiver option only):

In case of death of the Proposer for a premium paying policy, all future premiums are waived. On each future premium due date(s), an amount equal to the modal premium shall be credited to the Fund Value. The Policy shall continue until maturity with risk benefits continued on the life of the Life Assured. Upon maturity, the maturity benefit shall become payable.

*The partial withdrawals to be deducted from the Total Sum Assured shall be: All partial withdrawals (except from the top-up fund value) made during the two year period immediately preceding the date of death. Upon payment of the death benefit, the Policy shall terminate and no further benefits are payable

12 How do Systematic (Recurring) withdrawals work?

The policyholder can submit a request for Systematic withdrawals during the Policy term. Under this, at the selected payout frequency, an amount selected by the policyholder will be deducted from the fund and paid out to him. The customer can use this option to generate a supplementary guaranteed income.

13 Is there an option for partial withdrawal in case I am in need of funds?

You can withdraw money from your funds to meet any future financial emergencies. Lump sum partial withdrawals can be made from your funds after 5 complete policy years, provided the Life Assured is at least 18 years of age.

14 Can I surrender this policy?

Yes,you can surrender your policy subject to lock in period of 5 years. Once you surrender your policy, your risk cover will cease and surrender benefit will be paid out depending upon the year in which the policy is surrendered. Please refer to product brochure for more details.

15 Is there a loan facility in my policy?

No policy loans are available for this product.

16 Can I save tax by investing in this policy?

Premiums paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein.

Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.

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Disclaimers

Note: In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. 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

For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. HDFC Life Click 2 Wealth (UIN-101L133V03) is the name of the Unit linked plan. 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 Click 2 Wealth (UIN-101L133V03) is only the name of the unit linked life insurance contract. HDFC Life Critical Illness Plus Rider (UIN: 101B014V02, Form no. R501-23-01), HDFC Life Income Benefit on Accidental Disability Rider (UIN: 101B013V03, Form no. R501-21-01) and HDFC Life Protect Plus Rider (UIN: 101B016V01) are the names of the riders. 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.

  1. For Single premium, the special addition is 1% of the Single premium at inception only.

ARN: EU/07/21/24436