Cost Of Delay Calculator

Cost of Delay Calculator by HDFC Life is specially designed to help in understanding the impact of delaying your term insurance by certain year(s). It helps in simplifying the decision in when to buy a suitable term plan.

We need a few details to calculate the cost of delaying the decision to buy a Term Plan

Premium Amount



Buying 1 year from now will cost you Rs 21,740,346**more over the policy term.

On 1 August 2020, you will turn 32 Buy now and save 7% annually.

We offer this product to customers upto the age of 65. So buy the policy now to avail the benefits of the insurance policy.

Premium AnnuallyPolicy Term****Total Premium AmountExtra cost
1 year later----
2 years later----
5 years later----
7 years later----

*Online Premium for HDFC Life Click 2 Protect Plus – Life Option Incl. Taxes and Levies as applicable

**Extra Cost = Premium “n” years later – Premium today

***Total Premium Amount = Premium Annually X Policy Term

****Till you are 85 years old


HDFC Life Click 2 Protect Plus(UIN:101N101V03) is a non-linked, non-participating term insurance plan offered by HDFC Life.

The values shown here are only for illustration.

The premium amount computed is dependent on the plan option selected and is dependent on medical evaluation and other factors like rider selected.

The Extra Cost computed is purely in terms of premium paid over the term of the policy and doesn’t account for time value of money & other factors that may happen during this period.


HDFC Life Click 2 Protect 3D Plus
Life is uncertain! Avail a term plan that provides additional payouts in the event of accidental death with HDFC Life Click 2 Protect 3D Plus - Extra Life Option
*Monthly premium amount of Rs. 535 for Regular Pay, Male, 25 years of age, Non-tobacco user, 30 years policy term, under Income Option, exclusive of taxes & for Online purchase only. (Rs. 535/30 days = Rs. 17.83 approx.).

Knowledge Center


Cost of Delay Calculator is specially designed to help you understand the impact on your finances if you delay your term insurance by even a few year(s). It helps in simplifying your decision in when to buy a suitable term plan.

It will help you in estimating how much extra you will have to pay for the same plan benefits in the long term if you don't buy now.

It takes "Life Option" as Plan option to calculate the Premium of HDFC Life Click 2 Protect Plus for present and 2 years, 5 years and 7 years down the line.

This interactive does not constitute an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. HDFC Life Insurance Company Limited or any of its affiliates/ group companies shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the interactive.

The information being provided through this interactive is provided for your assistance/ information only and is not intended to be and must not alone be taken as the basis for an investment decision (“Information”). The recipient/ user assume the entire risk of any use made of this Information. Each recipient /user of this interactive should make such investigation as it deems necessary to arrive at an independent decision while making an investment and should consult his own advisors to determine the merits and risks of such investment. The investment discussed or views expressed may not be suitable for all investors. HDFC and its affiliates, group companies, sales staff, financial consultants, officers, directors, and employees may have potential conflict of interest with respect to any recommendation, related information or opinions.

This Information should not be reproduced or redistributed or passed on directly or indirectly in any form to any other person or published, copied, in whole or in part, for any purpose. This Information is not directed or intended for distribution to, or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction, where such distribution, publication, availability or use would be contrary to law, regulation or which would subject HDFC and its affiliates/ group companies to any registration or licensing requirements within such jurisdiction. The distribution of this Information in certain jurisdictions may be restricted by law, and persons in whose possession this Information comes, should inform themselves about and observe, any such restrictions. The Information given in this interactive is as of the date of this report and there can be no assurance that future results or events will be consistent with this Information. This Information is subject to change without any prior notice. HDFC reserves the right to make modifications and alterations to this statement as may be required from time to time. However, HDFC is under no obligation to update or keep the Information current.

Neither HDFC nor any of its affiliates, group companies, directors, employees, sales staff, financial consultants or representatives shall be liable for any damages whether direct, indirect, special or consequential including health, physical well being, lost revenue or lost profits that may arise from or in connection with the use of the Information. Past performance is not necessarily a guide to future performance.


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