Maturity Benefit
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In this policy, the investment risk in investment portfolio is borne by the policyholder. The linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
HDFC Life
Click 2 Wealth
UIN: 101L133V03
A Unit Linked Non-Participating Individual Life Insurance Savings Plan
Packed with features, you just can’t go wrong with this choice
14 Fund Options +
Unlimited FREE Switches
Get Whole Life Cover +
Save Tax up to ₹46,800*
Earn Market-Linked
Returns
get a free quote
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HDFC Life Click 2 Wealth Fund Performance
List of Funds available with this product
Equity Funds
View All* Data as of 28th February 2025. Past Performance is not indicative of future performance of the fund.
NAV
29.4937
17.09.2020
52 week High
07.02.2020
30.30
52 week Low
23.03.2020
19.51
* Data as of 28th February 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 28th February 2025. Past Performance is not indicative of future performance of the fund.
Diversified Equity Fund
ULIF05501/08/13DivrEqtyFd101
NAV
37.0808
12-03-2025
52 wk High
26-09-2024
43.7491
52 wk Low
20-03-2024
35.3503
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Blue Chip Fund
ULIF03501/01/10BlueChipFd101
NAV
45.7216
12-03-2025
52 wk High
26-09-2024
54.174
52 wk Low
19-03-2024
43.9972
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Discovery Fund
ULIF06618/01/18DiscvryFnd101
NAV
35.0329
12-03-2025
52 wk High
24-09-2024
42.0781
52 wk Low
13-03-2024
31.9896
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Equity Advantage Fund
ULIF06723/03/18EqtyAdvtFd101
NAV
24.8224
12-03-2025
52 wk High
26-09-2024
29.7599
52 wk Low
19-03-2024
23.7125
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Opportunities Fund
ULIF03601/01/10OpprtntyFd101
NAV
65.8218
12-03-2025
52 wk High
24-09-2024
80.8129
52 wk Low
13-03-2024
62.4289
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Sustainable Equity Fund
ULIF07019/07/21SustnblEqF101
NAV
12.7669
12-03-2025
52 wk High
27-09-2024
15.375
52 wk Low
19-03-2024
12.4352
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Flexi Cap Fund
ULIF07114/07/23FlexiCapFd101
NAV
13.4241
12-03-2025
52 wk High
26-09-2024
15.9839
52 wk Low
13-03-2024
12.6414
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Midcap Momentum Fund
ULIF07317/01/24MidCpMoIdx101
NAV
9.274
12-03-2025
52 wk High
24-09-2024
12.4139
52 wk Low
28-02-2025
9.2351
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Nifty Alpha 30 Fund
ULIF07528/05/24AlphaIdxFd101
NAV
7.2307
12-03-2025
52 wk High
30-08-2024
10.1633
52 wk Low
28-02-2025
7.115
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Top 500 Momentum 50 Fund
ULIF07616/10/24Top500MoFd101
NAV
7.6693
12-03-2025
52 wk High
16-12-2024
10.4758
52 wk Low
12-03-2025
7.6693
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Debts Funds
View All* Data as of 28th February 2025. Past Performance is not indicative of future performance of the fund.
NAV
29.4937
17.09.2020
52 week High
07.02.2020
30.30
52 week Low
23.03.2020
19.51
* Data as of 28th February 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 28th February 2025. Past Performance is not indicative of future performance of the fund.
Bond Fund
ULIF05601/08/13Bond Funds101
NAV
20.5154
12-03-2025
52 wk High
12-03-2025
20.5154
52 wk Low
19-04-2024
19.0547
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Liquid Fund
ULIF00102/01/04LiquidFund101
NAV
77.7079
12-03-2025
52 wk High
12-03-2025
77.7079
52 wk Low
13-03-2024
73.1465
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Bond Plus Fund
ULIF06814/06/19BondPlusFd101
NAV
14.0498
12-03-2025
52 wk High
25-02-2025
14.0838
52 wk Low
14-03-2024
13.1485
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Hybrid Funds
View All* Data as of 28th February 2025. Past Performance is not indicative of future performance of the fund.
NAV
29.4937
17.09.2020
52 week High
07.02.2020
30.30
52 week Low
23.03.2020
19.51
* Data as of 28th February 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 28th February 2025. Past Performance is not indicative of future performance of the fund.
Balanced Fund
ULIF03901/09/10BalancedFd101
NAV
36.7035
12-03-2025
52 wk High
26-09-2024
40.3866
52 wk Low
19-03-2024
34.7562
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Secure Advantage Fund
ULIF06914/06/19SecAdvFund101
NAV
14.14
12-03-2025
52 wk High
12-03-2025
14.14
52 wk Low
19-04-2024
13.1957
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
0%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Why HDFC Life Click 2 Wealth is just right for you?
A Unit Linked Non-Participating Individual Life Insurance Savings Plan that offers market linked returns
Choose from 16 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 Premium(s) 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
Return of Mortality Charges (ROMC) on Maturity: In case of Premium Waiver option, Mortality charges pertaining to only the Life Assured would be refunded3
Choose from 16 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
Return of Mortality Charges (ROMC) on Maturity: In case of Premium Waiver option, Mortality charges pertaining to only the Life Assured would be refunded3
- For Single Premium, the special addition is 1% of the
Single premium at inception only. - This feature is available under the Premium Waiver option.
- ROMC will not be available for the policies where the Waiver of premium bene t is triggered due to the death of the Proposer. Please read the product brochure for complete details.
- For Single premium, the special addition is 1% of the
Single premium at inception only. - This feature is available under the Premium Waiver option.
- ROMC will not be available for the policies where the Waiver of premium bene t is triggered due to the death of the proposer. Please read the product brochure for complete details.
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]( "Heart-Icon")
Maturity Benefit
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A classic wealth creation option.
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Fund Value will be calculated by multiplying balance Units in your fund by the then prevailing Unit Price.
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At maturity date, the total amount of mortality Charges1 deducted in respect of the insurance cover of Life Assured throughout the policy (including mortality charge deducted on top-up Sum Assured as applicable) will be added to the fund value.
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Disclaimer:
- 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.
![Heart-Icon]( "Heart-Icon")
Death Benefit
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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 Premium(s) paid.
- Fund Value
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Disclaimer:
- 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]( "Heart-Icon")
Fund Boosters (Added Benefits)
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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.
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Disclaimer:
- 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.
Check Eligibility Criteria
Before buying HDFC Life Click 2 Wealth
ELIGIBILITY CRITERIA
Eligibility Criteria |
Invest Plus |
Premium Waiver Option |
Golden Years Benefit Option |
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|---|---|---|---|---|
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 |
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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 |
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MATURITY AGE |
18 years to 75 years |
18 years to 75 years |
99 years |
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MINIMUM Premium(s) |
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MAXIMUM PREMIUMS |
No Limit, subject to Board Approved Underwriting Policy (BAUP) |
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POLICY TERM |
10 to 40 years |
99 minus Age at Entry |
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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 |
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|---|---|---|---|
Minimum |
Maximum |
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SUM ASSURED |
Single Pay1 |
For Age of Entry < 50 years: 1.25 x Single Premium |
Maximum Sum Assured shall be as per Board Approved Underwriting Policy (BAUP). |
Regular & Limited Pay |
For Age of Entry < 50 years: 7 x Annualized Premium For Age of Entry >= 50 years: 5 x Annualized Premium |
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Top-up |
1.25 x Top-up Premium |
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All ages are of last birthday.
- 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 with these riders
Riders in insurance have an important part in contingency planning. A ULIP is incomplete without them
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HDFC Life Income Benefit on Accidental Disability Rider – Linked
UIN: 101A038V01
A Linked, Non-Participating Pure Risk Premium, Individual Life rider where you can get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an Accident.
DOWNLOAD -
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HDFC Life Protect Plus Rider – Linked
UIN:101A037V01
A Linked, Non-Participating Pure Risk Premium, Individual Life/Health rider where you can 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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Frequently Asked Questions
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 Savings Plan that comes with three plan options – Invest Plus, the classic wealth creation option, Premium Waiver option, wherein the future Premium(s) 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 Premium(s) 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 Premium(s) 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?
HDFC Life Click 2 Wealth - an online ULIP offers a minimal charge structure as stated below:
1. Premium Allocation Charge: Nil
2. Policy Administration Charge: Nil
3. Surrender or Discontinuance Charge: Nil
4. Fund Management Charge –
0.80% p.a. of the fund value, charged daily for Liquid Fund, Bond Plus Fund and Secure Advantage Fund.
1.35% p.a. of the fund value, charged daily, for all other Funds.
0.50% p.a. of the fund value for Discontinued Policy Fund.
5. Mortality Charge: The amount of the charge taken each month depends on your age and level of cover.
6. Partial Withdrawal Charge: Nil
7. Switching Charge: Nil
8. Premium Redirection Charge: Nil
5 Where is the premium amount invested?
HDFC Life Click 2 Wealth gives you option of 16 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 Premium(s) 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, the Life Assured 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 Premium(s) 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?
Premium(s) 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.
17 What are the various fund options available in this plan?
1. Diversified Equity Fund
2. Blue Chip Fund
3. Balanced Fund
4. Bond Fund
5. Discovery Fund
6. Equity Advantage Fund
7. Opportunities Fund
8. Liquid Fund
9. Bond Plus Fund
10. Secure Advantage Fund
11. Sustainable Equity Fund
12. Flexi Cap Fund
13. Midcap Momentum Fund
14. Nifty Alpha 30 Fund
15. Top 500 Momentum 50 Fund
16. Dynamic Advantage Fund
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
HDFC Life Click 2 Wealth (UIN-101L133V03) is A Unit Linked Non-Participating Individual Life Insurance Savings Plan. HDFC Life Income Benefit on Accidental Disability Rider – Linked (UIN: 101A038V01) is a Linked, Non-Participating Pure Risk Premium, Individual Life Rider. 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. 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.
Life insurance coverage is available in this product.
For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully.
T&C
- For Single premium, the special addition is 1% of the Single premium at inception only
ARN: PP/02/25/21967
