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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
Smart Protect Plan
UIN : 101L175V05
A plan that provides a protection cover and caters to your need of long term wealth creation.
Loyalty Additions
Level or Decreasing cover plan options
Capital Guarantee plan option
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1800-266-9777
(All Days, from 9am to 9pm, Toll Free)
HDFC Life Smart Protect Plan Fund Performance
List of Funds available with this product
Equity Funds
View All* Data as of 30th November 2024. 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 30th November 2024. Past Performance is not indicative of future performance of the fund.
* Data as of 30th November 2024. Past Performance is not indicative of future performance of the fund.
Top 500 Momentum 50 Fund
ULIF07616/10/24Top500MoFd101
NAV
9.8247
2024-12-20
52 wk High
2024-12-16
10.4758
52 wk Low
2024-11-21
9.5038
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Flexi Cap Fund
ULIF07114/07/23FlexiCapFd101
NAV
14.6996
2024-12-20
52 wk High
2024-09-26
15.9839
52 wk Low
2023-12-21
12.0051
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Midcap Momentum Fund
ULIF07317/01/24MidCpMoIdx101
NAV
11.7905
2024-12-20
52 wk High
2024-09-24
12.4139
52 wk Low
2024-04-19
9.8423
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Capital Growth Fund
ULIF06301/04/15CapGrwthFd101
NAV
29.1308
2024-12-20
52 wk High
2024-09-27
32.593
52 wk Low
2023-12-21
26.0952
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Nifty Alpha 30 Fund
ULIF07528/05/24AlphaIdxFd101
NAV
9.0038
2024-12-20
52 wk High
2024-08-30
10.1633
52 wk Low
2024-11-21
8.6738
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Diversified Equity Fund
ULIF05501/08/13DivrEqtyFd101
NAV
39.7472
2024-12-20
52 wk High
2024-09-26
43.7491
52 wk Low
2023-12-21
34.5303
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Discovery Fund
ULIF06618/01/18DiscvryFnd101
NAV
40.1045
2024-12-20
52 wk High
2024-09-24
42.0781
52 wk Low
2023-12-21
30.672
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Equity Advantage Fund
ULIF06723/03/18EqtyAdvtFd101
NAV
27.1655
2024-12-20
52 wk High
2024-09-26
29.7599
52 wk Low
2023-12-21
22.8175
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Sustainable Equity Fund
ULIF07019/07/21SustnblEqF101
NAV
13.8686
2024-12-20
52 wk High
2024-09-27
15.375
52 wk Low
2023-12-21
11.9191
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Debts Funds
View All* Data as of 30th November 2024. 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 30th November 2024. Past Performance is not indicative of future performance of the fund.
* Data as of 30th November 2024. Past Performance is not indicative of future performance of the fund.
Bond Fund
ULIF05601/08/13Bond Funds101
NAV
20.2403
2024-12-20
52 wk High
2024-12-05
20.3131
52 wk Low
2024-01-05
18.6322
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Hybrid Funds
View All* Data as of 30th November 2024. 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 30th November 2024. Past Performance is not indicative of future performance of the fund.
* Data as of 30th November 2024. Past Performance is not indicative of future performance of the fund.
Capital Secure Fund
ULIF06401/04/15CapSecFund101
NAV
14.9687
2024-12-20
52 wk High
2024-12-05
15.0261
52 wk Low
2024-01-05
13.885
*HDFC Fund Performance
vs
i
*Market Benchmark
Note: returns over 1 year have been annualized
+0.20%
-0.20%
- 1 Month
- 1 Year
- 3 Years
- 5 Years
Why HDFC Life Smart Protect Plan?
A Unit Linked Non-Participating Individual Life Insurance Savings Plan
Choose from 4 Plan Options as per your needs
Boost your fund value with 4 kinds of Loyalty Additions (Return of 2X to 3X Mortality Charge, Return of 2X Premium Allocation Charge, Return of Fund Management Charge, Return of 2X of Investment Guarantee Charge)
Get a Minimum Assured Benefit1 in the form of capital guarantee in spite of market fluctuations
Choose from 9 funds2 to optimize your investment returns
Flexibility to choose the premium payment option- Regular or Limited (5 to 12 years)
Reduce your Death Benefit Cover after a chosen period under Decreasing Cover and Decreasing Cover with Capital Guarantee plan options
Choose from 4 Plan Options as per your needs
Boost your fund value with 4 kinds of Loyalty Additions (Return of 2X to 3X Mortality Charge, Return of 2X Premium Allocation Charge, Return of Fund Management Charge, Return of 2X of Investment Guarantee Charge)
Get a Minimum Assured Benefit1 in the form of capital guarantee in spite of market fluctuations
Choose from 9 funds2 to optimize your investment returns
Flexibility to choose the premium payment option- Regular or Limited (5 to 12 years)
Reduce your Death Benefit Cover after a chosen period under Decreasing Cover and Decreasing Cover with Capital Guarantee plan options
- Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options
- With unlimited free switching. Available under Level Cover and Decreasing Cover
- Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options
- With unlimited free switching. Available under Level Cover and Decreasing Cover
What makes this plan a must-have
You have the flexibility to choose your plan options.
Select your core objective for the insurance cover and view the benefits
- Level Cover
- Level Cover with Capital Guarantee
- Decreasing Cover
- Decreasing Cover with Capital Guarantee
Level Cover
This plan option provides a level cover throughout the policy term
Death Benefit:
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“Death Benefit” is payable as a lump sum if life assured dies during the policy term.
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Subject to Policy being in force and all due premiums have been paid, the Death Benefit payable to the Policyholder/ Assignee/ Nominee shall be the highest of the following:
(i) Total Sum Assured less partial withdrawals1 made, if any (as detailed below), where Total Sum Assured is Basic Sum Assured plus any additional Sum Assured in respect of Top-ups; or
(ii) Fund value, or
(iii) 105% of Total Premiums Paid
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For a reduced paid-up Policy, the Death Benefit payable to the Policyholder/ Assignee/ Nominee and shall be the highest of the following:
(i) Paid up Sum Assured plus any additional Sum Assured in respect of Top-ups less partial withdrawals1 made, if any (as detailed below); or
(ii) Fund value; or
(iii) 105% of Total Premiums Paid
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.Upon this payment, the policy shall terminate and no further benefit shall be payable.
Where,
a) Annualized Premium means the premium amount payable in a year excluding the taxes, rider premiums and underwriting extra premium on riders, if any.
b) Basic Sum Assured is the amount of cover chosen by the policyholder at inception of the policy in accordance with terms and conditions of the Policy.
c) Fund Value is the value obtained by multiplying the number of Units allocated to your Policy by the corresponding price of the Units.
d) Total Premiums Paid are the total of all the premiums received, excluding any rider premium and taxes.
e) Paid-Up Sum Assured, is the original sum assured multiplied by the total number of premiums paid to the original number of premiums payable as per the terms and conditions of the policy. (Paid Up Sum Assured = Original Sum Assured x Total No. of Premiums Paid / Original No. of Premiums Payable).
f) Minimum Basic Sum Assured, is 10 times the Annualized Premium
g) Assured Benefit is the Total Premiums Paid less Total Partial Withdrawals made (if any)
Maturity Benefit:
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On survival of the Life Assured till the Maturity Date, subject to Policy being in-force on the Maturity Date, the risk cover shall cease and Fund Value at Maturity plus Loyalty Additions payable at Maturity shall be payable to the Policyholder as the maturity benefit.
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Upon this payment, the policy shall terminate and no further benefits will be payable.
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You can also take your fund value at maturity in periodical installments under settlement option.
Check Eligibility Criteria
Before buying HDFC Life Smart Protect Plan
ELIGIBILITY CRITERIA
Parameters |
Minimum |
Maximum |
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Age1 at Entry |
Life Assured: 0 years (30 days) |
Life Assured: 60 years |
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Age1 at Maturity |
25 years |
100 years |
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Premium Payment Term |
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Policy Term2 |
25 years |
40 years |
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Instalment Premium |
Top-Up Premium: Rs. 5,000 per Top-Up3 |
As per Board Approved Underwriting Policy (BAUP) |
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Sum Assured |
Basic Sum Assured
For Top-Up Premium: 1.25 times the Top Up premium |
As per Board Approved Underwriting Policy (BAUP) |
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Premium Payment Frequency |
Annual, Half-Yearly, Quarterly, Monthly |
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1-All ages are expressed as on last birthday.
2-Risk cover starts from date of commencement of policy for all lives including minors. In case of a minor life, the policy will vest on the Life Assured on attainment of age 18 years. In all cases, the relationship between the proposer and life assured shall be granted to the extent of insurable interest only.
3- Total top-up premiums paid, at any point of time during the policy term shall not exceed the sum total of the premiums paid at that point of time.
Customize 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.
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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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HDFC Life Health Plus Rider – Linked
UIN: 101A034V01
Get lump sum benefit equivalent to Rider Sum Assured on diagnosis of any of the covered 60 Critical Illnesses or benefit as a proportionate of the Rider Sum Assured on diagnosis of Early Stage Cancer / Major Cancer depending on the plan option chosen.
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HDFC Life Waiver of Premium Rider – Linked
UIN: 101A035V01
A Linked, Non-Participating, Individual Pure Risk Premium, Life/Health rider where you can get Waiver of Premium for the base policy premium and premiums of any other additional riders, in case of death, disability or diagnosis of any listed critical illnesses of the Rider Life Assured. Enjoy continued policy benefits even in case of life's eventualities.
DOWNLOAD
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Have a question?
We’ll tell you everything you need to know about HDFC Life Smart Protect Plan
1 Why HDFC Life Smart Protect Plan?
HDFC Life Smart Protect Plan addresses your long-term savings needs and also provides you protection in the form of a life cover.
2 What are the premium paying frequencies available for this plan?
Annual, half-yearly, quarterly and monthly frequencies are available under this product.
3 Can I decrease the policy term and the premium payment term after the policy has been issued?
No, you cannot reduce the policy term and the premium payment term. However, you can increase the policy term and the premium payment term subject to boundary conditions.
4 Can I change my premium frequency after the policy has been issued?
Yes, as the Policyholder, You can alter the Premium frequency during the Premium Payment Term.
5 Are there any specific exclusions in this plan?
To know detailed information related to exclusions, read Product Brochure.
6 Can Riders be opted along with the plan?
Yes, you can opt for any of the following riders:
- HDFC Life Income Benefit on Accidental Disability Rider - Linked
- HDFC Life Protect Plus Rider - Linked
- HDFC Life Health Plus Rider - Linked
7 Does this plan offer tax benefits?
Premium(s) paid by an individual or HUF under this plan are eligible for tax benefits1 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.
8 What are the fund options available with this product?
1. Diversified Equity Fund
2. Bond Fund
3. Discovery Fund
4. Equity Advantage Fund
5. Sustainable Equity Fund
6. Flexi Cap Fund
7. Midcap Momentum Fund
8. Nifty Alpha 30 Fund
9. Top 500 Momentum 50 Fund
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 Smart Protect Plan (UIN: 101L175V05) 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. HDFC Life Protect Plus Rider – Linked (UIN: 101A037V01) is a Linked, Non-Participating Pure Risk Premium, Individual Life/Health Rider. HDFC Life Health Plus Rider – Linked (UIN: 101A034V01) is a Linked, Non-Participating Savings/Pure Risk Premium, Individual Health Rider. HDFC Life Waiver of Premium Rider – Linked (UIN: 101A035V01) - A Linked, Non-Participating, Individual Pure Risk Premium, Life / Health Rider. 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. 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 Smart Protect Plan (UIN: 101L175V05) 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.
T&C
- The above stated tax benefits are subject to the provisions & conditions mentioned in the existing Income Tax Act, 1961. Tax Laws are also subject to change from time to time. This material has been prepared for information purposes only, should not be relied on for tax or accounting advice. The customer is requested to seek tax advice from his/her Chartered Accountant or personal tax advisor with respect to his/her personal tax liabilities under the Income-tax law
ARN - PP/12/24/18757