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Why Invest in Life Insurance?
Investing in Life Insurance is vital for safeguarding your future. It provides security for loved ones, covering debts and aiding in retirement planning. It serves as a savings tool that can fund long-term dreams and offers tax benefits. Starting early means lower premiums for higher coverage. Ultimately, it’s a versatile financial instrument that ensures your family's financial stability.
1 Crore Term Insurance @Rs.19/day***
To delay is to regret
You may not always be around to take care of your family. And that’s when a term plan ensures your family is well protected.
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Return of Premium (ROP) Option^
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17% Online Discount**
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Same Day Claim Processing#
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100% Claims guaranteed15
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0% GST on Premiums#^#
Please wait while we are calculating term insurance premium for 1 crore
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9 Reasons Why Investing in Life Insurance is a Good Idea
Security and Assurance
It offers security and assurance to your loved ones. It's the most important aspect of investing in an insurance policy.
Helps with paying debts
If you have debt that you still need to pay, life insurance guarantees that your debts will be paid. Nobody wants to burden their families with loans and buying a life insurance policy ensures that is taken care of. Be it a property loan, a personal loan, a credit loan or any auto loan, the insurance policies that you buy will help repay these debts.
Retirement Planning
A pension plan helps you in enjoying income even after you retire.
Long term plans and dreams
Using the money from your life insurance you can always fulfill those lifelong hopes, dreams, and plan. You can open up a small business after retirement or maybe buy yourself a house using this.
No business worries
Life insurance apart from benefitting your family and your personal plans is a great way for your business too. There are various kinds of insurance policies like the term insurance, which lets you have protection for a fixed term and the benefits are paid during the event of your death.
Helps you with tax savings
You can save a lot of tax by investing in a Life insurance policy. This is one of the biggest reasons of why people invest in the plan.
A Savings tool
There are various policies, which will benefit you when you invest in them as early as possible. Hence, it is imperative that you buy such policies early in life. As you pay the premium, the extra money is accrued in the form of a cash value. You can borrow this cash or sell it against a policy or take out your income from it.
Begin as early as possible
The earlier you invest in a life insurance policy, the better. When you are young, your premium will be low but cover will be high.
Helps to buy various options
Life insurance helps you get great deals and profits through a vast number of policies. As you invest in those policies and finish the term, you get the benefits of it. Therefore, it is an instrument, which helps you invest for a long time and achieve your goals later on.
HDFC Life has smart Life insurance policies to help you make the right choice for your future.
Related Article:
- What is Life insurance?
- Life Insurance Myths
- How Does Smoking Impact My Life Insurance Premium?
- Life Insurance Policy - Types and Features
Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
Here's all you should know about life insurance.
We help you to make informed insurance decisions for a life time.
HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
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@As per integrated annual report FY24-25, available on www.hdfclife.com. As of May 2025
#Provided we have received all the relevant and required documents and no further investigation is required. Claim settlement process would be completed within stipulated timelines once the claim request is approved
^ Available under Life & Life Plus plan options
***Online Premium for Life Option for HDFC Life Click 2 Protect Supreme(UIN:101N183V01), Male Life Assured, Non-Smoker, salaried, 20 years of age, Policy term of 25 years, Regular pay, Monthly frequency, inclusive of 15% online discount (applicable only for 1st year premium) & exclusive of taxes and levies as applicable. (Monthly Premium of 573/30=19).
**If a customer is a Salaried individual and has opted for a cover of INR 2 Cr with Limited pay, then the total discounts applicable shall be: 10% +7% = 17% discount on the first year premiums.
~Tax benefits of ₹ 54,600 (₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 30% on life insurance premium u/s 80C of ₹ 1,50,000 and health premium (Critical illness rider) u/s 80D of ₹ 25,000. Tax benefits are subject to conditions under section 80C, 80D, 10(10D) as per Income Tax Act, 1961. Please consult your tax advisor for more information.
*Online Premium for Life Option, Male Life Assured, Non-Smoker, 20 years of age, Policy term of 25 years, Regular pay, Monthly frequency, exclusive of taxes and levies as applicable.
#^# Individual Life Insurance Policies issued on or subsequent to 22nd, September 2025, shall be exempt from GST under the provisions of the Goods and Services Tax, 2017.
15. HDFC Life Click 2 Protect Ultimate(UIN: 101N179V01) A Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings Life Insurance Plan. The policy must be in force on the date of death, with all premiums fully paid, except for the exclusion clauses mentioned in Part F of the policy document.
ARN: ED/12/19/17049
