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Comparison of HDFC Life Pension Plans

Pension Plans Comparison
November 04, 2016 4932

It is the duty of every responsible and far-sighted individual to plan for his or her retirement. With so many options at your disposal, pension plans comparison is imperative if one wants to make an informed decision. Make sure you consider all available options when you compare pension plans offered by a reputed company.

HDFC Life Personal Pension Plus

  • Entry Age: 18-65 years

  • Maturity Age: 55-75 years

  • Sum Assured: Rs. 2,04,841/- with no maximum limit

  • Minimum Premium: Rs. 2000 monthly/Rs. 6000quarterly/ Rs. 12000 half-yearly/Rs. 24000annual

  • Minimum Vesting Benefit: Higher of Sum assured + Bonuses, or101% of all premiums paid till date

  • Minimum Level of Death Benefit: Higher of 101% of all premiums paid till date, or105% of all premiums paid

  • Vesting Benefits: Up to 1/3rd of benefit can be commuted as tax-free lump sum amount. Minimum 2/3rd of sum assured up to entire amount can be invested in annuities

  • Policy Term: 10-40 years

  • Payment Options: Regular

  • Premium Frequency: Quarterly/Half Yearly/Annual

  • 80CCC Tax Benefits: Yes

  • 10 (10A) Tax Benefits: Yes

  • Fund Allocation: NA

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HDFC Life Pension Super Plus

  • Entry Age: 35-65 years

  • Maturity Age: 55-75 years

  • Sum Assured: NA

  • Minimum Premium: Rs. 2000 monthly/Rs. 6000quarterly/ Rs. 12000 half-yearly/Rs. 24000annual

  • Minimum Vesting Benefit: Higher of Sum assured + Bonuses, or101% of all premiums paid till date

  • Minimum Level of Death Benefit: Higher of Sum Assured, or Total premiums paid with guaranteed accumulation of 6% p.a from due date of premium till date of death, or 105% of all premiums paid

  • Vesting Benefits: Up to 1/3rd of benefit can be commuted as tax-free lump sum amount. Minimum 2/3rd of sum assured up to entire amount can be invested in annuities

  • Policy Term: 10/15/20 years

  • Payment Options: Regular

  • Premium Frequency: Quarterly/Half Yearly/Annual

  • 80CCC Tax Benefits: Yes

  • 10 (10A) Tax Benefits: Yes

  • Fund Allocation: 0% to 40% in Money Market securities and 60% to 100% in Government securities

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HDFC Life Guaranteed Pension Plan

  • Entry Age: 40-75 years

  • Maturity Age: 50-85 years

  • Sum Assured: NA

  • Minimum Premium: Rs. 2000 monthly/Rs. 6000quarterly/ Rs. 12000 half-yearly/Rs. 24000annual

  • Minimum Vesting Benefit: Sum Assured plus Guaranteed addition of 3% of Sum Assured for each completed policy year, plusVesting Addition

  • Minimum Level of Death Benefit: Higher of Total premiums paid with guaranteed accumulation of 6% p.a from due date of premium till date of death, or 105% of all premiums paid.

  • Vesting Benefits: Up to 1/3rd of benefit can be commuted as tax-free lump sum amount. Minimum 2/3rd of sum assured up to entire amount can be invested in annuities

  • Policy Term: 10-20 years with premium payment term of 5, 7 or 10 years

  • Payment Options: Regular

  • Premium Frequency: Quarterly/Half Yearly/Annual

  • 80CCC Tax Benefits: Yes

  • 10 (10A) Tax Benefits: Yes

  • Fund Allocation: NA

Keep your unique individual requirements in mind when you compare pension plan options to enjoy a secure and financially stable retirement.

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HDFC Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.

Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Email: [email protected], Tel No: 1800-266-9777 (10 am to 7 pm). The name/letters “HDFC” in the name/logo of the company belongs to Housing Development Finance Corporation Limited (“HDFC Limited”) and is used by HDFC Life under an agreement entered into with HDFC Limited.

For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.

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