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HDFC Life Sampoorn Nivesh Insurance Plan

HDFC Life Sampoorn Nivesh Insurance Plan - You have certain financial goals for your family which may vary as you progress from one life stage to another. Therefore your investments also have to be actively managed to meet those goals and also ensure that you are protecting your family financially.

We understand this and therefore are glad to offer HDFC Life Sampoorn Nivesh, a unique insurance cum investment plan designed specifically with multiple fund options so as to help you optimize your investment. Furthermore, it also provides you with varied benefit options to meet your protection needs.

HDFC Life Sampoorn Nivesh Insurance Plan (Features):

  • Flexibility to choose your investment term from 10 to 25 years1
  • Customize your premium payment options – Single, Limited or Regular
  • Choice of 3 Benefit Options to suit your financial requirements
  • Option of accidental death benefit through Extra Life Option
  • Loyalty additions to enhance your Fund Value after 10 years
  • Reduced premium allocation charge on investing higher premium amount2
  • Flexibility to choose from 8 fund options 

    111 to 14 years terms are not available
    2Available for premium of 1 lakh & above for limited & regular premium payment options and 10 lakhs & above for single premium payment option

HDFC Life Sampoorn Nivesh Insurance Plan (Advantages):

  • HDFC Life Sampoorn Nivesh provides 3 Benefit Options to choose from based on your requirement:
    1. Classic
    2. Classic Plus
    3. Classic Waiver
  • Death Benefit:
    In case of the Life Assured’s unfortunate demise during the policy term, we will pay a lump sum amount to the nominee as mentioned below:
  • Accidental Death Benefit:
    Get invaluable protection for your family through Extra Life option in case of Accidental Death
  • Maturity Benefit:
    On survival till the end of policy term, you will receive your Fund Value as Maturity Benefit
  • Loyalty Additions*
    Enhance your Fund Value through Guaranteed Loyalty Additions from 10th policy year
  • Reduced Allocation Charge*
    Optimize your investments through Reduced Premium Allocation Charge by investing higher premium
  • Flexibilities:
    1. Get 4 Fund Switch, Premium Redirection and Partial Withdrawal each absolutely free in a policy year
    2. This plan can be availed by filling short medical questionnaire, which may not require you to go for medicals
    3. Fill a short questionnaire to avoid medical check-ups
  • Tax Benefit:
    Avail Tax Benefit under Section 80C and Section 10(10D) of Income Tax Act, 1961 

    *For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision.

HDFC Life Sampoorn Nivesh Insurance Plan (Eligibility):

Classic (Life) Option
  Minimum Maximum (5 Pay) Maximum (Other than 5 Pay)
Age at Entry* 18 years 53 years 58 years
Age at Maturity* 28 years 63 years 68 years
Classic (Extra Life) Option
  Minimum Maximum (5 Pay) Maximum (Other than 5 Pay)
Age at Entry* 18 years 53 years 58 years
Age at Maturity* 28 years 63 years 68 years
Classic Plus Option
  Minimum Maximum (5 Pay) Maximum (Other than 5 Pay)
Age at Entry* 0 years (30 days) 48 years 50 years
Age at Maturity* 18 years 58 years 60 years
Classic Waiver Option
  Minimum Maximum (5 Pay) Maximum (Other than 5 Pay)
Age at Entry* 18 years 47 years 50 years
Age at Maturity* 28 years 57 years 60 years

*For non-annual modes the applicable maximum maturity age limit shall be less than 2 years of the corresponding age limits for annual mode as mentioned above.

Parameters Minimum Maximum
Premiums Single: Rs. 24,000
Annual: Rs. 24,000
Half-yearly: Rs 12,000
Quarterly: Rs 6,000
Monthly: Rs 2,000
No limit
Policy Term 10, 15 to 25 years
Premium Payment Term Single : One time payment
Limited : 5, 7 and 10 years
Regular: 10, 15 to 25 years

HDFC Life Insurance Savings and Investment Plans and Policy

Disclaimers:

Starting premiums for this plan are Rs. 24000 per year and the plan is available only on an annual mode

HDFC Life Smart Woman Plan (Form No: P501, UIN: 101L082V02). This is a unit linked non participatory product. For more details on risk factors, terms and conditions and exclusions please read the product brochure or consult financial consultant before conclusion of sale. Unit linked insurance plans are different from traditional plans and are subject to different market risks. The investment risk in the portfolio is borne by the policyholder. (hdfclife.com)

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