What are the different types of HDFC Life investment plans?

HDFC Life offers a variety of investment plans to suit your needs, including term insurance plans (providing coverage in case of death), savings plans (combining insurance and investment), ULIPs (unit linked insurance plans that invest a portion of your premium in the market), child plans (focused on child's future needs), and retirement plans (helping you build a retirement corpus).

What are the benefits of investing in HDFC Life plans?

HDFC Life investment plans offer a combination of life insurance coverage, investment potential, and tax benefits. You get financial protection for your family in case of your demise while also growing your wealth over time. Premiums paid towards most plans qualify for tax deductions under Section 80C of the Income Tax Act.

What are the different fund options available in HDFC Life Insurance ULIPs?

HDFC Life ULIPs typically offer a variety of fund options with different risk-reward profiles. These may include equity funds (higher risk, higher potential return), debt funds (lower risk, lower return), and balanced funds (a mix of equity and debt).

How much does an HDFC Life investment plan cost?

Premiums for HDFC Life plans vary depending on the type of plan chosen, your age, policy term, sum assured (death benefit amount), and chosen riders (additional benefits).

Is there a minimum investment amount required?

Yes, there is usually a minimum investment amount required for HDFC Life investment plans. This will vary depending on the specific plan you choose.

Can I switch between investment funds in a ULIP?

Yes, most ULIPs allow you to switch between different fund options during the policy term. This allows you to adjust your investment strategy based on market conditions and your risk tolerance.

What happens if I stop paying premiums on my HDFC Life plan?

If you stop paying premiums, your policy may lapse after a grace period. This means your coverage will cease, and you may lose some or all of the accumulated benefits.

What are the tax benefits of HDFC Life investment plans?

Premiums paid towards most HDFC Life plans qualify for tax deduction under Section 80C of the Income Tax Act, up to a limit of Rs 1.5 lakh per year. Additionally, the maturity benefit and death benefit received from the plan is also tax-exempt under certain conditions.

How do I choose the right HDFC Life investment plan?

Choosing the right HDFC investment plans depends on your financial goals, investment horizon, risk tolerance, and budget.

HDFC Life Investment Plans

HDFC Life offers a variety of investment plans to suit your financial goals. These plans include options for protection, savings, wealth accumulation, retirement, and child education. HDFC Life Investment Plans cater to diverse risk appetites and investment horizons, making them a reliable choice for comprehensive financial planning.

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Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

What are HDFC Life Investment Plans?

HDFC Life is an investment option designed to help you achieve your financial goals while providing insurance coverage. These plans combine life insurance and investment opportunities, allowing you to benefit from both protection and wealth creation.

Types of HDFC Life Investment Plans

HDFC Life offers two broad categories of investment options:

Market-Linked Investment Plans
Traditional Investment Plans

Let us learn about them further from the below section:

Market-Linked Insurance Plans
Traditional Insurance Plans

HDFC Life Market-Linked Investment Plans

ULIPs are a type of investment plan that combines insurance coverage with investment options. The premium paid is partly allocated towards life insurance cover and partly invested in market-linked funds. The returns you get depend on the performance of the chosen fund.

HDFC Life Investment Plans	Entry Age	Maturity Age	Policy Term	Basic Sum Assured
HDFC Life Smart Protect Plan	30 days – 60 years	25 – 100 years	25 – 40 years	10 x Annualised Premium
HDFC Life Sampoorn Nivesh	30 days – 65 years	18 – 85 years	10/ 15/ 35 years	10 x Annualised Premium
HDFC Life Click 2 Wealth	30 days – 60 years	18 – 75 years	10 – 40 years	10 x Annualised Premium
HDFC SL YoungStar Super Premium	18 – 65 years	75 years	10 – 20 years	10 x Annualised Premium
HDFC Life Wealth Maxima	30 days – 65 years	75 years	10/ 15/ 20 years	10 x Annualised Premium
HDFC Life Click 2 Retire	18 – 65 years	45 – 75 years	10/ 15 – 35 years	101% x Total Premiums Paid

Details of HDFC Life Market-Linked Investment Plans

HDFC Life Smart Protect Plan

The HDFC Life Smart Protect Plan is a Unit Linked Insurance Plan (ULIP) that combines protection with investment benefits. It provides life insurance for your family in case of your unfortunate demise and also helps you grow your wealth over the long term.

Features of HDFC Life Smart Protect Plan:
- Choose from 4 plan options based on your needs.
- Boost fund value with 4 types of loyalty additions: 2X-3X return of mortality charge, 2X return of premium allocation charge, return of fund management charge, and 2X return of investment guarantee charge.
- Enjoy a minimum assured benefit with capital guarantee despite market fluctuations.
- Choose from 7 funds to optimize investment returns.
- Flexible premium payment options: Regular or limited (5 to 12 years).
- Option to reduce death benefit cover after a chosen period under Decreasing Cover and Decreasing Cover with Capital Guarantee plan options.
HDFC Life Sampoorn Nivesh Plan

HDFC Life Sampoorn Nivesh is a Unit Linked Insurance Plan (ULIP) that combines insurance coverage with investment potential. The returns from this HDFC investment plan are linked to the performance of the market.

Features of HDFC Life Sampoorn Nivesh Plan:
- Choose from 10 funds to optimize investment returns.
- Customize premium payment options: Single, Limited, or Regular.
- Choose from 3 convenient benefit options for customized payouts.
- Get loyalty additions of up to 1.8% of the average fund value after the 10th policy year.
- Enjoy reduced premium allocation charges for higher premium amounts.
- Avail tax benefits under Section 80C and 10(10D) as per the Income Tax Act, 1961.
HDFC Life Click 2 Wealth

HDFC Life Click 2 Wealth is a Unit Linked Insurance Plan (ULIP) offered by HDFC Life. This HDFC investment plan offers a special addition of 101% of premium allocated to your fund for the first 5 years and Return of Mortality Charges (ROMC) on maturity.

Features of HDFC Life Click 2 Wealth Plan:
- Choose from 11 funds to maximize your investment.
- Enjoy unlimited free switching options.
- Minimal charges: only fund management and mortality charges.
- Special addition of 1% of premium allocated to your fund for the first 5 years.
- Future premiums waived off and fund remains invested in case of the proposer's death.
- Opt for systematic withdrawal from funds for post-retirement income.
- Return of mortality charges on maturity if the premium waiver option is chosen.
HDFC SL YoungStar Super Premium

The HDFC SL YoungStar Super Premium is a unit linked child insurance plan offered by HDFC Life. This best HDFC investment plan for 10 years is a market-linked product that provides financial protection for your child in case of your unfortunate demise and also helps you save and grow money for their future needs.

Features of HDFC Life YoungStar Super Premium Plan:
- In case of your demise or critical illness, the sum assured is paid to your child, and no further premiums are needed.
- The beneficiary receives the fund value on maturity.
- No elaborate medical tests required; a short medical questionnaire is sufficient.
- Choose from four funds with different equity and debt exposures.
- Switch accumulated funds between funds at any time.
- Redirect future premiums to different funds as needed.
- Enjoy tax benefits under sections 80C and 10(10D) of the Income Tax Act, 1961.
HDFC Life Wealth Maxima

HDFC Life Wealth Maxima is a Unit Linked Insurance Plan (ULIP) that provides market-linked returns along with a life cover. This means that the returns you get will depend on the performance of the market, but you will also have a life insurance benefit that will pay out to your beneficiaries if you die during the policy term.

Features of HDFC Life Wealth Maxima Plan:
- This HDFC investment plan for 5 years or more is suitable for efficient wealth creation and higher financial protection for growing responsibilities.
- Three plan options to match different life stages.
- Comprehensive life cover.
- Three investment strategies to match your risk appetite.
- Systematic investment option to benefit from equity markets.
HDFC Life Click 2 Retire

HDFC Life Click 2 Retire is a Unit Linked Insurance Plan (ULIP) offered by HDFC Life Insurance Company. It is designed to help you build a retirement corpus through investments in market-linked funds.

Features of HDFC Life Click 2 Retire Plan:
- No entry charges (no premium allocation charge), no policy administration charges, and no exit charges.
- Start your retirement plan with as little as ₹2000 per month.
- Maturity age can start as early as 45 years.
- Secure your retirement with Assured Vesting Benefit and potential market upside gains.
- Death benefit to the nominee will be higher of the fund value of your policy at the time of death or 105% of total premiums paid until then.

HDFC Life Traditional Investment Plans

Traditional investment plans offer guaranteed returns and focus more on protection and guaranteed savings. As they are not market-linked, hence do not involve any risk at the term period.

HDFC Life Investment Plans	Entry Age	Maturity Age	Policy Term	Basic Sum Assured
HDFC Life Youngstar Udaan	18 – 55 years	33 – 75 years	15 – 25 years	Sum Assured on Death; or 105% of Total Premiums paid
HDFC Life Systematic Retirement Plan	45 – 75 years	Deferment: PPT – 15 years	Whole life	Minimum Annuity: Annuity Rate x Annualized Premium
HDFC Life Smart Pension Plus	18 – 45 years	75 years	Whole life	Minimum Annuity: Rs. 12,000 p.a.
HDFC Life Pension Guaranteed Plan	30 – 85 years	Deferment: 1- 10 years	Whole life	Annuity Payout = Applicable Annuity Rate * Purchase Price
HDFC Life Saral Pension	40 – 80 years	Immediate annuity	Whole life	Annuity Payout = Applicable Annuity Rate * Purchase Price

Details of HDFC Life Traditional Investment Plans

HDFC Life Youngstar Udaan

HDFC Life Youngstar Udaan is a child insurance plan offered by HDFC Life Insurance Company Limited. It is a participating, non-linked traditional insurance plan that provides financial protection for your child and helps you save for their future milestones.

Features of HDFC Life Youngstar Udaan:
- 3 maturity benefit options tailored to match key milestones of your child’s future.
- Pay premiums for a limited period and enjoy coverage throughout the policy term.
- Boost benefits with Guaranteed Additions (GA).
- Policy loan option available.
HDFC Life Systematic Retirement Plan

The HDFC Life Systematic Retirement Plan is an individual/group, non-participating, non-linked savings deferred annuity plan. HDFC investment plans for 5 years or more allows you to save money systematically over time for your retirement.

Features of HDFC Life Systematic Retirement Plan:
- Option to defer annuity payouts by selecting the deferment period.
- Guaranteed income for life by paying premiums for a limited payment term.
- Choose to receive annuity payments monthly, quarterly, half-yearly, or yearly.
- Option for Return of Total Premiums Paid in case of death.
HDFC Life Smart Pension Plus

HDFC Life Smart Pension Plus is a traditional, non-linked, non-participating individual/group annuity savings plan offered by HDFC Life. This investment option is designed to provide you with a guaranteed stream of income after retirement.

Features of HDFC Life Smart Pension Plus:
- Guaranteed annuity income for life by paying premiums for a single or limited payment term.
- One plan for both single and joint life options.
- Single plan offering both immediate and deferred annuity options.
- Flexible payout frequencies: monthly, quarterly, half-yearly, or yearly.
- Choose from 4 annuity options.
- Option to defer annuity payouts by selecting the deferment period.
HDFC Life Pension Guaranteed Plan

The HDFC Life Pension Guaranteed Plan is a single premium annuity plan that provides a regular guaranteed income for life. This HDFC investment plan is ideal for individuals who are looking for a secure way to generate retirement income.

Features of HDFC Life Pension Guaranteed Plan:
- Option to choose between Single or Joint Life basis.
- Choose between immediate or deferred annuity.
- Flexible annuity payout frequencies: monthly, quarterly, half-yearly, or yearly.
- Option for Return of Purchase Price on death.
- Options available for banks/financial institutions to purchase immediate annuities for commitments under reverse mortgage schemes.
- Choice to increase your annuity payouts through a Top-Up option.
HDFC Life Saral Pension

HDFC Life Saral Pension is an immediate annuity plan offered by HDFC Life Insurance. It is a non-linked, non-participating plan that provides you with a guaranteed regular income for your lifetime.

Features of HDFC Life Saral Pension:
- Single & Joint Life annuity options available.
- Choose to receive annuity payments as long as you or your partner is alive.
- Receive annuity payments monthly, quarterly, half-yearly, or yearly.
- Option for Return of Purchase Price on death.
- Surrender value available on diagnosis of critical illness.
- Annuity provides a guaranteed income source for life; once purchased, it is guaranteed for a lifetime.
- No need to undergo a medical examination.

Steps to Buy HDFC Life Investment Plans

Policybazaar can help you compare and choose HDFC Life Investment Plans easily. Let us learn the steps to buy the HDFC Life Investment Plans:

Visit Policybazaar Website: Go to Policybazaar homepage, click on “investment” section and select “Investment Plans with High Returns”.
Explore Investment Plans: Enter your basic information, and you will be logged in to the best investment plans section. Specifically search for HDFC Life plans.
Compare Plans: Use Policybazaar's comparison tool to compare different HDFC Life investment plans based on features and premiums.
Select a Plan: Choose the HDFC Life investment plan that best suits your financial goals and requirements.
Purchase Online: Proceed to purchase the selected plan by providing the necessary details, calculating the premium, and making the payment online through Policybazaar's secure portal.

Summing It Up

HDFC Life investment plans offer a diverse range of options tailored to meet various financial goals and risk appetites. With a strong focus on customer-centricity and robust performance, these plans provide you with opportunities to grow your wealth efficiently while ensuring financial security for the future.

Frequently Asked Questions

What are the different types of HDFC Life investment plans?

HDFC Life offers a variety of investment plans to suit your needs, including term insurance plans (providing coverage in case of death), savings plans (combining insurance and investment), ULIPs (unit linked insurance plans that invest a portion of your premium in the market), child plans (focused on child's future needs), and retirement plans (helping you build a retirement corpus).
What are the benefits of investing in HDFC Life plans?

HDFC Life investment plans offer a combination of life insurance coverage, investment potential, and tax benefits. You get financial protection for your family in case of your demise while also growing your wealth over time. Premiums paid towards most plans qualify for tax deductions under Section 80C of the Income Tax Act.
What are the different fund options available in HDFC Life Insurance ULIPs?

HDFC Life ULIPs typically offer a variety of fund options with different risk-reward profiles. These may include equity funds (higher risk, higher potential return), debt funds (lower risk, lower return), and balanced funds (a mix of equity and debt).
How much does an HDFC Life investment plan cost?

Premiums for HDFC Life plans vary depending on the type of plan chosen, your age, policy term, sum assured (death benefit amount), and chosen riders (additional benefits).
Is there a minimum investment amount required?

Yes, there is usually a minimum investment amount required for HDFC Life investment plans. This will vary depending on the specific plan you choose.
Can I switch between investment funds in a ULIP?

Yes, most ULIPs allow you to switch between different fund options during the policy term. This allows you to adjust your investment strategy based on market conditions and your risk tolerance.
What happens if I stop paying premiums on my HDFC Life plan?

If you stop paying premiums, your policy may lapse after a grace period. This means your coverage will cease, and you may lose some or all of the accumulated benefits.
What are the tax benefits of HDFC Life investment plans?

Premiums paid towards most HDFC Life plans qualify for tax deduction under Section 80C of the Income Tax Act, up to a limit of Rs 1.5 lakh per year. Additionally, the maturity benefit and death benefit received from the plan is also tax-exempt under certain conditions.
How do I choose the right HDFC Life investment plan?

Choosing the right HDFC investment plans depends on your financial goals, investment horizon, risk tolerance, and budget.

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Please note that the quotes shown will be from our partners
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Average Rating

4.3 / 5

(Based on 24 Reviews)

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HDFC Life Traditional Plans Reviews & Ratings

4.3 / 5 (Based on 24 Reviews)

(Showing Newest 10 reviews)

S.B

Kolaval, September 06, 2016

★★★★★

Perfect

The traditional insurance plan i have is perfect and the premium is also less. Great services provided by hdfc life insurance company. Policy cover's maximum and claims are high which is simple to cleared. The any further information or updates are mailed to me regularly.

Vijay

Kamrup, August 24, 2016

★★★★★

Traditional Insurance Plan

Great traditional insurance plan i have purchased in less investment. Service is fine but the online renewal through online portal is very good option. Policy coverage and claims are more than i expected. Fabulous work you have done hdfc standard life insurance.

Jiten

Fakirpur, August 22, 2016

★★★★★

Investment plan

HDFC life insurance provide's me the traditional insurance policy. The policy coverage is good and claiming procedure is simple only because of quick service provided by the executives and staff members.

Kunal

Mumbai, April 15, 2016

★★★★★

Great Policy

I own hdfc insurance traditional plan. Plan is good and premium is low. Policy coverage is high ~89 and payback returns too. Claiming amount is Rs.43 L after policy get mature. Service is fast like super sonic speed. The daily updates are mailed to me time to time. Overall, perfect policy plan which save tax too.

Yogesh

Kota, April 15, 2016

★★★★★

Perfect Plan

My hdfc life traditional policy plan is good in services. The policy coverage is good ~93% and the premiums are low. Claiming process is easy due to fast service provided by the executives and the staff members. The payback amount is ~Rs.41 L. I like the terms and conditons. Good work.

Prashant

Surat, April 15, 2016

★★★★★

Good

The policy i have is hdfc traditional policy plan which is very good and the premiums are low with high in policy coverage 91%. The claiming part is very easy because the service is very fast with good response from the staff members. Nice future investment with tax savings. I like the policy.

Rahul

Pune, February 22, 2016

★★★★★

Hdfc life classic Assure plus plan

i got policy classic assure plus. It was the one of the best plan ever. i always refers to my frends take this plan. Service is also Good.

Kuntal

Kolkata, February 18, 2016

★★★★★

above average.

I own hdfc life insurance traditional plan. Plan is good and investment is low. Policy coverage is 80% and the claims Rs.15 lakh. Service you provided is good and every time the work done at correct time period.
Plan Name: Click2Invest
Agent Code: BPW00248

Mainak

Mumbai, February 18, 2016

★★★★★

Nice insurance.

My policy is hdfc traditional plan. The service is really very attractive and the premium is 4899. Claims is Rs.18 lakh and the policy coverage is 70-80%. I'm happy with my policy plan.
Plan Name: Click2Invest
Agent Code: BBE04411

Amruthesh

Bengaluru, February 16, 2016

★★★★★

Fair plan.

Plan is good with average facilities. Low inputs and out comes are also less. HDFC life insurance traditional plan is one of the most popular plan in middle class people. Premium is Rs.3599 quaterly and return is around 17 lakhs.
Plan Name: Click2Invest
Agent Code: BBE05131

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HDFC Life Investment Plans

Investment Plans

What are HDFC Life Investment Plans?

Types of HDFC Life Investment Plans

HDFC Life Market-Linked Investment Plans

HDFC Life Smart Protect Plan

Features of HDFC Life Smart Protect Plan:

Features of HDFC Life Sampoorn Nivesh Plan:

Features of HDFC Life Click 2 Wealth Plan:

Features of HDFC Life YoungStar Super Premium Plan:

Features of HDFC Life Wealth Maxima Plan:

Features of HDFC Life Click 2 Retire Plan:

HDFC Life Traditional Investment Plans

Features of HDFC Life Youngstar Udaan:

Features of HDFC Life Systematic Retirement Plan:

Features of HDFC Life Smart Pension Plus:

Features of HDFC Life Pension Guaranteed Plan:

HDFC Life Saral Pension

Features of HDFC Life Saral Pension:

Steps to Buy HDFC Life Investment Plans

Summing It Up

Frequently Asked Questions

What are the different types of HDFC Life investment plans?

What are the benefits of investing in HDFC Life plans?

What are the different fund options available in HDFC Life Insurance ULIPs?

How much does an HDFC Life investment plan cost?

Is there a minimum investment amount required?

Can I switch between investment funds in a ULIP?

What happens if I stop paying premiums on my HDFC Life plan?

What are the tax benefits of HDFC Life investment plans?

How do I choose the right HDFC Life investment plan?

Investment plans articles

HDFC Life Traditional Plans Reviews & Ratings