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RESUME APPLICATION PAY PREMIUM

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Quick links

Mobile (Download app)

Download HDFC Life App

Buy plans, track your policy, make renewal payments & monitor fund performance with HDFC Life App, Download Now!

Backdating in Insurance

Backdating in insurance language means altering the start date of the life insurance policy to a time earlier than the originally date of buying the insurance policy. Suppose you bought a policy on January 1, 2013 but you realize later that had you purchased the policy two months earlier, you could have got it at better premium rates. Backdating allows you this. This will help reduce the premium liability for the insured during the policy tenure.

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.

Return of Premium (ROP) Option^{^}
17% Online Discount^**
Same Day Claim Processing^#
100% Claims guaranteed¹⁵
0% GST on Premiums^{#^#}

50Mn.

Lives Insured^@

Rs. 3 Tn.

Assets under management^@

Rs. 710.45 Bn.

Total Premiums^@

ROP

Return of Premium^{^}

Same Day

Claim Processing^#

17%

Online Discount^**

100%

Claims guaranteed¹⁵

GST on Premiums^{#^#}

Get Rs. 1 Cr. Life Cover at just Rs.19/day***

17% Online Discount^**

Save tax up to Rs.54,600^~

Get Rs. 1 Crore Life Cover at Rs. 26/day***

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TERM INSURANCE PLANS BUYING GUIDE

:1800-266-9777 (All Days, from 9am to 10pm, Toll Free)

Advantages

October 31, 2025

You can pay lower premium by altering the policy start date and selecting the date that gives you better premium rates.
Backdating is useful for those who buy a life insurance policy to exhaust the section 80C limit on this year and start paying the premium on a monthly/quarterly basis from the next year.
Backdating comes handy when one has to buy a policy on a special day as one can anytime alter the official date to some important date during the year.
It also takes care of the maturity date to coincide with this significant date.
When your flow of income is not uniform throughout the year, if you buy the policy in this off season then you can get the policy backdated to the period of your maximum earnings.
Backdating helps you get return of investment earlier if you backdate the start date of the policy.

Points to note

As backdating directly affects the premium rate; it should be opted by people who are planning to purchase a policy at an older age. Most insurers hike the premium rates for the policyholders above 40 or 45 years. If you opt for backdating, you should move into the previous age bracket.
Backdating may work in endowment and money-back plans but for term insurance plans it is opposite. In endowment plan, the survival benefits accumulate much earlier. Whereas, with term insurance plan, the coverage tenure for the backdated period goes waste. The insurance companies lure buyer with 'zero sum game'. They increase the premium rate depending upon the age of the policyholder. The person pays for the lower rate however, ends up paying more for the backdated period instead.
So, ensure that the total savings in premiums is more than the extra premium paid for the backdated period.
HDFC Life offers numerous savings and investment schemes that are aimed at your financial growth. For details, click on the mentioned link: https://www.hdfclife.com/savings-plans .

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.

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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.

Disclaimer

@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.