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Why HDFC Life Sanchay Legacy?

A Non-Linked Non-Participating Individual Pure Risk Premium / Savings Life Insurance Plan

Why HDFC Life Sanchay Legacy?
  • Whole Life plan to leave a legacy for your family

  • 2 Plan Options to choose from as per your needs

  • Early RoP benefit at Age 85 or in instalments

  • Acceleration of 100% Death benefit on diagnosis of 19 Critical Illnesses covered

  • Waiver of Premium on 60 CIs covered through WOP on CI option

  • Waiver of Premium on occurrence of Total and Permanent Disability through WOP on TPD option

  • Option to receive Death Benefit in Instalments

  • Option to decrease your premiums after 5 years

  • Enhanced Protection through Riders

  • Whole Life plan to leave a legacy for your family

  • 2 Plan Options to choose from as per your needs

  • Early RoP benefit at Age 85 or in instalments

  • Acceleration of 100% Death benefit on diagnosis of 19 Critical Illnesses covered

  • Waiver of Premium on 60 CIs covered through WOP on CI option

  • Waiver of Premium on occurrence of Total and Permanent Disability through WOP on TPD option

  • Option to receive Death Benefit in Instalments

  • Option to decrease your premiums after 5 years

  • Enhanced Protection through Riders

Why HDFC Life Sanchay Legacy?

Your Plan. Your Benefits

  • Plan Options
  • Death Benefit
  • Acceleration of Death Benefit
  • Additional Options/ Benefits

Plan Options

You can choose any of the two options at inception. Plan option once selected shall remain the same for the duration of the policy:

The policyholder can choose any one of the above options, 1 & 2 at the outset.

Check Eligibility Criteria

Before buying HDFC Life Sanchay Legacy

ELIGIBILITY CRITERIA

Parameters

Minimum

Maximum

Age at Entry (years)

40 years

Single Pay: 65 years

5 & 6 years: 60 years

7 to 10 years: 65 years

11 to 15 years: 75 years less PPT

Age at Maturity (years)

Whole of Life

Premium Paying Term (PPT)

Single Pay (1.25x DBM)

5 years to 15 years (7x DBM)

8 years to 15 years (10x DBM)

Policy Term

Whole of Life

Instalment Premium

Single Pay (1.25x DBM): Rs. 1,00,000

 

Limited Pay:

10x DBM:

Annual: Rs. 1,00,000

Half-yearly: Rs. 51,000

Quarterly: Rs. 26,000

Monthly: Rs. 8,750

 

7x DBM:

Annual: Rs. 30,000

Half-yearly: Rs. 15,300

Quarterly: Rs. 7,800

Monthly: Rs. 2,625

Consistent with Maximum Sum Assured on Death

Sum Assured on Death

Single Pay: 1.25 times the Single Premium

 

Limited Pay: 7 times the Annualised Premium*

Single Pay: 1.25 times the Single Premium

 

Limited Pay: 10 times the Annualised Premium*

 

subject to the Board Approved Underwriting Policy (BAUP)

All ages are expressed as on last birthday. For all ages, risk commences from the date of inception of the contract.

DBM refers to Death Benefit Multiple. Premium will vary depending on the plan option chosen.

*Annualised Premium means the premium amount payable in a year chosen by the Policyholder, excluding the taxes, Rider Premium(s), underwriting extra premiums and loadings for modal premiums, if any.

Term Insurance is incomplete without Riders

Riders in insurance have an important part in contingency planning.
  • 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 Rider 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
  • icon

    HDFC Life Health Plus Rider

    UIN: 101NB031V01

    A lump sum benefit equivalent to Rider Sum Assured shall be payable on diagnosis of any of the covered 60 Critical Illnesses or benefit as a proportionate of the Rider Sum Assured shall be payable on diagnosis of Early Stage Cancer / Major Cancer depending on the option chosen. No maturity benefit is payable under this rider..

    DOWNLOAD
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*Non medical limits as per customer profile and life cover opted will apply. Simplified underwriting guidelines applicable under this plan.

**100% of Death Benefit is paid and the policy terminates. CI cover will start after the end of 10th policy year or Premium Payment Term, whichever is later.

ARN: PP/03/24/9662