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How Term Insurance Policy works?
Let’s understand how a term plan works with 2 examples
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- Experiences of term insurance buyers
- How Term Insurance Policy works?
- Steps to buy a term plan online
- Key Factors That Influence Term Insurance Premiums
- What is a Term Insurance Calculator?
- Step-by-Step Guide to Use the Term Insurance Calculator
- How does a term insurance premium calculator work?
- What are the Benefits of using a Term Insurance Calculator?
- What happens when you don’t use a term insurance calculator?
- How to calculate your term insurance premium without personal information?
- At what age should I opt for Term Plan?
- Impact of smoking on term insurance premiums
- How much term insurance cover do I need?
- Term Insurance Plans in India by HDFC Life
- Add-On Options Available
- Which Payout Option is Right For Me?
- Claim Settlement Process
- Important Documents Needed to Submit a Claim
- FAQ's on Term Insurance Calculator
- Here's all you should know about life insurance.
- Term Insurance Related Articles
- Customer Reviews
- Share your Valuable Feedback
- Popular Searches
- Disclaimers
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17% Online Discount**
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60 Critical Illness covered12
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No commission guaranteed10
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Immediate Claim Payout#
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100% Claims guaranteed11
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Return of Premium (ROP) Option^
Term Insurance Calculator
Please wait while we create a customised quote with applicable discounts for you
Experiences of term insurance buyers
We spoke to some term insurance plan customers and here is what they had to say13:
Rohit Verma, 31 years | Pune
I came to know about term insurance in my mid twenties when I started my professional career. Due to lack of awareness at that time I was looking to invest first and grow my wealth. 5 years down the line when I got married to struck me that even though I am investing to grow my wealth but do I have enough financial cover for my family in case of an unfortunate event and the answer was NO! Then I started my research to identify a financial product that would give an adequate life cover. The answer was pretty simple – term insurance. But I should have taken term insurance earlier.
Liza Mathews, 28 years | Mumbai
Once anyone decides to get a term insurance it can be a overwhelming process to go through the entire process of buying it. The same was the case with me. With so many options available online I got a bit confused on which option should I choose? I took a step back and followed the steps – Calculated my premium online, decided whether I needed any add-ons, evaluated the claims settlement ratio of various brands, consulted representatives of various brands and then took an informed decision. The actual process of buying once you have decided it’s that difficult. Good thing is that most of the things are online and hassle free. Now I am proud that I took a term plan for financial protection.
Sanjay Jha, 35 years | Delhi
I come from a family where money management is given a lot of importance. Thanks to the awareness I had I knew it was imperative to financially protect my future before I started investing to grow my wealth. The first thing I did when I started to earn was to get my financial future sorted with a term plan. Now a days it’s not that difficult to get a term life insurance online with so many options to choose from. At the beginning I calculated my premium for 1 crore life cover and then had to go through the usual process for the policy to get issued.
Ashish Dhade, 37 years | Nagpur
For me buying term insurance proved to be a challenging task since I wasn’t conversant about financial products. Since I lacked the understanding of a term insurance, I did a lot of research online and spoke to few of my colleagues who had already bought a term insurance. In my journey to buy term insurance I understood why it was necessary to get term insurance. For me term life insurance has a crucial purpose to fulfill – financial protection. I opted for term insurance at the age of 34 and realized that I could have saved on my premiums if I would have bought it earlier.
Rohit Ghosh, 27 years | Lucknow
When I started to earn, I was inclined towards growing my wealth and started to consult others. My brother introduced me to term life insurance and explained why getting term insurance was a necessity early in life. A term insurance serves the purpose of protecting the financial future of my dependents. Once I understood the benefits of a term plan I went ahead and did some research as to which one I should opt for. There are a few things that helped me make the decision – credibility of the brand, claims settlement ratio and ease of claim settlement.
Priya Yadav, 34 years | Dubai
Being an NRI I wanted to get extensive financial protection for my family. Post my research online, I got to know many life insurance providers in India have started providing term insurance for NRIs at reasonable premiums along with add-on riders such as critical illness and accidental death benefit rider. To my surprise it was a hassle-free experience of buying a term insurance plan.
Manoj Sharma, 34 | Kolkata
I decided to buy term life insurance when I had my first child and realized that as the primary earner, I must secure my family's financial future. To determine the sum assured, I considered our current expenses, future goals like my child’s education, and our home loan. Once sure of the amount, I evaluated riders for critical illness and accidental death. Term insurance is vital for financial planning, so assess all factors carefully before choosing your sum assured and provider.
Aryan is a 30 year old healthy male
Gets a term plan of 1 crore with return of premium till the age of 60 years
Pays his monthly premium of Rs.248919 till 60 years
At the end of policy term, he gets back20 Rs. 10,98,684
Trisha is a 33 year old female
Gets a term plan of 1 crore along with critical illness rider cover of 20 lakhs, Policy term for 20 year & Premium paying term for 20 year
Starts paying a monthly premium of Rs.1511
After 8 years she is diagnosed with breast cancer
The amount of 20 lakhs is paid out to cover cost of treatment
The term plan cover of 1 crore continues
Steps to buy a term plan online
1
1
Evaluate Plans & Calculate Premium
Check the available plan and calculate your approximate premium online.
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2
2
Evaluate add-on options
Enhance your cover by adding riders to your sum assured, then compare your online quotes to find the best plan for your needs.
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3
3
Fill the application form
Complete the online application form by providing the necessary details and uploading a few documents for verification. After that, our team will schedule a medical test for term life insurance.
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4
4
Submit and Pay Premiums
Submit the application and pay the premium amount.
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Key Factors That Influence Term Insurance Premiums
When purchasing a term insurance plan, several factors determine how much you’ll pay in premiums. Here’s are some major factors that influence your premium amount:
01
Age
Age is one of the most critical factors affecting term insurance premiums. Younger policyholders pay lower premiums because they are considered lower risk. When comparing it with adults, the premium rates to pay might be slightly more due to health concerns.
02
Gender
Statistically, women have a higher life expectancy compared to men. To account for this, insurance providers calculate lower premium rates on term plans, as they are expected to remain insured for a longer duration. This pricing reflects their increased life expectancy, making women term insurance an attractive option for women.
03
Medical History
Your personal and family medical history are important factors in setting your premium. If you have a history of chronic conditions such as diabetes, heart disease, or hypertension, your premiums may be higher. Full disclosure of your medical condition guarantees you get the best coverage.
04
Lifestyle Choices
High-risk lifestyle activities, such as smoking, binge drinking, or participating in extreme sports, might increase your premium. Because these activities increase health risks, insurers raise premiums to cover possible claims. Being open about your lifestyle facilitates easy claim settlements in the future.
05
Occupation
Your work profile also influences your premium. If you work in a hazardous environment, such as mining, aviation, or offshore drilling, your insurance premium will most certainly be greater than someone in a low-risk employment.
06
Additional Rider Benefits
Riders are optional add-ons that boost your term insurance coverage. Benefits like accidental death coverage, premium waivers and critical illness benefits add to your base policy while slightly increasing your premium. Choosing riders intelligently offers a well-rounded protection plan.
07
Smoking and Alcohol Consumption
Regular use of tobacco or alcohol is associated with serious health concerns, which is why insurers charge higher premiums for people who consume tobacco or alcohol. Declaring these habits upfront helps with getting the correct coverage while minimizing problems during claim processing.
08
Sum Assured (Life Cover Amount)
The sum assured, or the payout your dependents will get in the case of your death, has a direct impact on the premium. A higher sum assured results in a higher premium, so it's critical to choose an amount that offers adequate financial security for your family.
09
Policy Duration
The policy period of the insurance plan determines the premium amount. Longer coverage durations often result in higher overall premiums. Many policyholders prefer continuing their coverage until they are 85 years old, but the best term depends on your financial goals and commitments.
10
Premium Payment Mode
Term insurance plans include several payment alternatives, including single premium, limited pay option, and regular-pay. A one-time premium payment is larger initially but eliminates future payments, whereas a regular premium plan allocates expenses over time. Choosing the appropriate payment method is dependent on your financial plans.
What is a Term Insurance Calculator?
A term insurance calculator is a free online tool that helps you calculate your term insurance premium for the ideal life cover and policy benefits. It evaluates key details such as age, gender, current income, marital status, health, and dependents to guide you in choosing a term insurance plan that matches your personal and financial objectives. Utilize HDFC Life's term plan calculator to strategically plan your term insurance.
Step-by-Step Guide to Use the Term Insurance Calculator *
1
1
Enter Your Name
Type your full name as it appears on official ID proofs, such as Aadhar card or PAN card.
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2
Select Your Residential Status
Select "Yes" if you are a Non-Resident Indian (NRI); otherwise, select "No."
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3
3
Select Your Gender
Choose your gender from the provided options.
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4
Let us know if you consume
Select "Yes" if you are a smoker; otherwise, choose "No."
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5
5
Enter Your Date of Birth
Select your date of birth from the date picker.
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6
6
Enter Your Annual Income
Choose the range that best matches your annual income.
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7
Enter Your Mobile Number
Enter your mobile phone number in the provided field.
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8
8
Enter Your Email
Provide your email address in the given field.
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9
9
Your Term Insurance Premium
After filling out all the details in the term insurance calculator, click the 'Get Free Quote' button. This will display the calculated premium along with suitable plan options.
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How does a term insurance premium calculator work?
As mentioned in the above step-by-step guide, you need to provide the following details to calculate your term insurance premium:
- Date of Birth
- Gender
- Tobacco consumption
- Income
- Life cover
The above information about you will help the calculator evaluate the premium for your term insurance customised as per your financial protection needs. Let’s understand how term insurance calculator works with the help of an example:
Ajay, a 25-year-old man, earning 10 Lakhs per annum, wishes to secure his family’s future with a term insurance. After assessing his financial protection needs, he decides that he would need a term insurance of 1 crore. He uses the Term Insurance Calculator by entering his male, smoking, 10 Lakh, 25 years and 1 crore respectively for gender, tobacco consumption habits, income, age and life cover. The estimated premium for Ajay’s term plan was Rs 14127 per month9 for HDFC Life Click 2 Protect Super (Life option)4 (UIN:101N145V08).
What Are the Benefits of Using a Term Insurance Calculator?
These are the benefits of using a term life insurance calculator:
What happens when you don’t use a term insurance calculator?
When we don’t use a term insurance calculator we might end up choosing a term plan that doesn’t meet our financial protection needs and it’s in our budget. A term insurance calculator gives us a fairly accurate estimation of the term life cover we need along with the premium amount for the same.
1
1
Paying a higher premium
By calculating the premium amount without taking your financial protection needs into consideration you might end up paying a higher premium that doesn’t fit your budget.
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2
Inadequate life cover
By only considering the premium amount while buying a term insurance you might end up getting a life cover which is inadequate as per your financial needs.
...Read More
How to calculate your term insurance premium without personal information?
You can easily calculate an estimated term insurance premium without sharing any personal information. While contact details help us provide personalized service, they're completely optional to basic term insurance quotes.
Two simple ways to get started:
When you know your desired sum assured?
If you know your desired coverage amount, just provide your age, gender and tobacco consumption/smoking status for an instant premium estimate.
When you haven’t decided your sum assured?
If you're unsure about your life coverage needs, share your approximate annual income along with your age, gender and tobacco consumption/smoking for us to help you with a recommended sum assured and its estimated premium..
The above approach lets you explore your options and plan your financial protection needs without the need to provide your personal information.
At what age should I opt for Term Plan?
By getting term insurance early in your life, you not only financially protect your loved ones but also are able to keep the premiums low. Additionally, you can enjoy income tax benefits on the premiums paid. Take a proactive step today—review the table below to understand how premiums increase with age and make the smart decision to invest in term insurance now.
Age (years) |
Policy Term (years) |
Monthly Premium (Rs.) |
Monthly Premium with Critical illness rider (Rs.) |
Monthly Premium with Return of premium option (Rs.) |
20 |
40 |
692 |
711 |
1581 |
30 |
40 |
1176 |
1286 |
2592 |
40 |
40 |
2343 |
2885 |
4775 |
Disclaimer – Read More...
Impact of smoking on term insurance premiums
Smoking is a major factor that affects your life insurance premiums. It also raises the risk of health issues such as throat cancer, lung disease, and heart conditions. Hence smokers are considered high-risk individuals by insurers. Even occasional smoking is considered "smoker" when applying for insurance, which impacts premiums. Insurance companies verify this through medical history checks and nicotine testing.
If you have used tobacco—cigarettes within the last 12 months before purchasing a Term Insurance Plan, you will be categorized as a smoker. This means you will have to pay a higher premium for the same coverage that a non-smoker would gets at a lower cost.
For example4 , Divesh, a 30 year-old healthy male opting for a term insurance policy with a ₹1 crore sum assured may see a 100% increase in premium if he is a smoker (for a policy tenure and premium paying term of 30 years)
Quitting smoking and maintaining a tobacco-free record over time might help reduce your premiums, as insurers may reassess your risk profile during policy renewals or new applications.
.
How much term insurance cover do I need?
When using our term insurance calculator, we'll ask for a few key details to help estimate your premium based on your desired coverage and to determine how much term insurance do I need. You'll need to provide your:
1
1
Annual income
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2
Anticipated years of working
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3
Personal expenses
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4
Estimated annual increase in income
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Additionally, we'll consider factors such as your age, gender, date of birth, the type of term insurance you prefer, the duration of the policy, and the amount of coverage you want. We also take into account lifestyle factors, such as whether you smoke, and other personal habits that may impact your premium.
By filling in these details, you'll receive an accurate estimated tailored term insurance plan to your needs and circumstances.
Term Insurance Plans in India by HDFC Life
Here are the term insurance plans offered by HDFC Life:
Term Insurance Plans |
Customer profile |
Sum assured |
Premium amount9 |
Action |
HDFC Life Click 2 Protect Super (Life option) (UIN:101N145V08) |
For all between 18-65 years |
1 Crore |
Rs.70614 |
|
HDFC Life Click 2 Protect Elite Plus (UIN:101N182V01) |
Salaried segment |
2 Crore |
Rs.115316 |
|
HDFC Life Click 2 Protect Life (UIN – 101N139V07) |
Salaried segment |
1 Crore |
Rs.119117 |
|
HDFC Life Click 2 Protect Ultimate (UIN: 101N179V01) |
Annual income >Rs.10 Lakhs |
2 Crore |
Rs.140015 |
|
HDFC Life Sanchay Legacy (Life option) (UIN:101N177V04) |
Mature HNI segment |
1.2 Crore |
Rs.1,00,00018 |
Add-On Options Available
The add-ons are among the term plan benefits that help customise your plans. The options are:
Protect Your Spouse (Joint Life Cover)
Protect your spouse provides the death benefit to the surviving spouse to take manage the expenses. Either of the spouses will be financially independent in case of an eventuality. Joint life coverage for spouses is provided under the plan.
...Read More
Return of Premium
Generally, term plans do not provide maturity benefits. The policy terminates on the maturity date. However, if you include the return of the premium rider, the premiums paid are reimbursed if you survive the policy term.
...Read More
Accident Cover
The accidental death cover provides an additional payout along with the base sum assured if the policyholder dies in an accident. Self-inflicted injuries, death when under the influence of drugs or alcohol, suicide, etc., are not covered under this rider.
...Read More
Which Payout Option is Right For Me?
Before choosing the right payout option, assess your current lifestyle and your family’s needs. The payout option should be such that they can manage their needs efficiently in your absence. The payout options available are:
01
Monthly Income
Those who intend to protect their families from the burden of outstanding liabilities and monthly expenses should consider the monthly income option. The death benefit is paid out in instalments for a period chosen during the policy purchase.
02
Increasing Monthly Income
When the monthly income payout is the same throughout, it may be difficult for the family to manage the expenses as it does not beat the inflation. The increasing monthly income option is ideal for those who intend to keep their family financially comfortable now and in the future. The monthly income rises by 10% every year for 10 years.
03
Lump-sum
Individuals who have availed of big-ticket loans such as home loans should go for this option. The lump sum payout immediately helps the policyholder's family pay off the outstanding debt. The remaining can be invested in assets that reap high yields. The return on investment will help them fulfil financial goals such as children’s education abroad, marriage, etc.
04
Lump-sum + Monthly Income
A steady income to substitute the financial contribution of the policyholder and a lump sum to clear the outstanding liabilities is a great combination to keep the insured’s family financially stable. The payout will be divided into lump sum and monthly instalments. The first payout will be in lump sum and the remaining will be in monthly instalments for a predefined duration i.e., 10, 20, or 30 years.
Claim Settlement Process
The claim settlement process entails the following steps:
1
1
Report Claim
Reporting the claim is the first step. You can do it either by visiting the insurance company online through their website or by sending an SMS or Email to the insurance company’s customer care helpline.
...Read More
2
2
Process
The insurance company’s claim care team will process the claim and contact you if they need any additional information or documents.
...Read More
3
3
Settle
The company settled the claim on receiving all the documents and required information.
...Read More
Important Documents Needed to Submit a Claim
The documents to be submitted for filing a claim are:
1
1
Claim form duly filled and signed
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2
2
Insurance Policy details
...Read More
3
3
Death Certificate
...Read More
4
4
Nominee’s Identity and address proof
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5
5
If a nominee is not assigned, legal title proof
...Read More
6
6
Cause of death certificate
...Read More
7
7
Medical records
...Read More
8
8
NEFT Mandate
...Read More
9
9
PAN Card
...Read More
10
10
A cancelled cheque
...Read More
FAQ's on Term Insurance Calculator
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Here's all you should know about life insurance.
We help you to make informed insurance decisions for a lifetime.
Customer Reviews
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Appreciate you keeping me upto date with your weekly newsletters. Tx
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Thank you HDFC Life team, you have lived upto your expectation. Your simple claim settlement process just made my life easier.
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Thank you team for your support throughout the claim process and I really appreciate the efforts of everyone involved
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I was really delighted with the online buying experience. Upto date information and online guidance really helped me. Tx
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My experience with HDFC Life has been really good. I specifically remember the process of online onboarding it was really smooth and hasslefree
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The online buying process was simple and quick. Good guidance by the HDFC Life team.
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The online payment process was smooth and I was able to complete my premium payment easily!
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HDFC Life representatives explained the product well and helped me buying completing the process online reall quick. Thank you!
Shreya![location]()
Lucknow
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It was a seamless online policy purchase process for me, thanks to HDFC Life.
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I was surprised to see how detailed and informative the information was served to me. It just made my online buying experience worth the time.
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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 solutions - protection, pension, savings, investment, annuity and health.
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**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.
^ Available under Life & Life Plus plan options
***Online Premium for Life Option, Male Life Assured, Non-Smoker, 20 years of age, Policy term of 25 years, Regular pay, Annual frequency, exclusive of taxes and levies as applicable. (Annualized Premium of 622/30=20.7).
~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 40 years, Regular pay, Monthly frequency, exclusive of taxes and levies as applicable.
#Applicable to all in force policies of HDFC Life Click 2 Protect Elite Plus after a waiting period of 1 year, with a base sum assured of INR 2 Crore or more. Claim payout to be restricted to 5 lakhs. Rest of the claim amount will be released after completion of investigation. T&C apply.
1. The above are based on the current Income-tax law . Tax benefits are subject to changes in tax laws.
2. Subject to conditions mentioned u/s 80C of the Income tax Act, 1961. The customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.
3. The premium amount is exclusive of taxes & levies.
4. HDFC Life Click 2 Protect Super (UIN: 101N145V08) is a Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan. Life Insurance Coverage is available in this product
5. The above premium rates are for a healthy male, inclusive of 5% online discount (applicable only for 1st year premium) and Inclusive of taxes & levies as applicable. HDFC Life Click 2 Protect Super (UIN: 101N145V08) is a Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan. Life Insurance Coverage is available in this product. (For Non-Smoker Monthly Premium is Rs. 1181 & For Smoker Monthly Premium is Rs. 2362. The premium difference is 100% more than non smoker)
6. HDFC Life Sanchay Legacy (UIN:101N177V04) is a Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan. Life Insurance Coverage is available in this product.
7. The premium price is subject to change based on variations in customer profile, policy term, premium payment term, and selected death benefits.
9. The premium amount is exclusive of taxes & levies.
10. Buying policy online since there is no agent involved, there is no commission to be paid.
11. 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.
12. HDFC Life Health Plus Rider – Non Linked (UIN No: 101B031V02) is a Non-Linked, Non-Participating/ Participating, Pure risk premium, Individual Health rider.
13. The views and opinions expressed in the article are solely of the individual and customer should consult their own financial advisor for any financial matter
14. The above premium rates are for a non-smoker healthy male, age is 25, Policy Term 20 year & Premium Paying Term is 20 year. inclusive of 5% online discount (applicable only for 1st year premium) and exclusive of taxes & levies as applicable. HDFC Life Click 2 Protect Super (UIN: 101N145V08) is a Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan. Life Insurance Coverage is available in this product
15. The above premium rates are for a non-smoker healthy male, age is 25, Policy Term 20 year & Premium Paying Term is 20 year. inclusive of 5% online discount (applicable only for 1st year premium) and exclusive of taxes & levies as applicable. HDFC Life Click 2 Protect Ultimate(UIN: 101N179V01) A Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings Life Insurance Plan. Life Insurance Coverage is available in this product
16. The above premium rates are for a non-smoker healthy male, age is 25, Policy Term 20 year & Premium Paying Term is 15 year. inclusive of 5% online discount (applicable only for 1st year premium) and exclusive of taxes & levies as applicable HDFC Life Click 2 Protect Elite Plus (UIN:101N182V01) is a Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan. Life Insurance Coverage is available in this product.
17. The above premium rates are for a non-smoker healthy male, age is 25, Policy Term 20 year & Premium Paying Term is 20 year. inclusive of 5% online discount (applicable only for 1st year premium) and exclusive of taxes & levies as applicable. HDFC Life Click 2 Protect Life (UIN – 101N139V07) A Non Linked, Non Participating, Individual, Pure Risk Premium/Savings Life Insurance Plan Life Insurance Coverage is available in this product.
18. The above premium rates are for a non-smoker healthy male, age is 40, Policy Term 15 year & Premium Paying Term is 15 year. inclusive of 5% online discount (applicable only for 1st year premium) and exclusive of taxes & levies as applicable. HDFC Life Sanchay Legacy (UIN:101N177V04) is a Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan.Life Insurance Coverage is available in this product.
25. The premium amount is exclusive of taxes & levies.
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 Life Insurance Company Limited 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 Life Insurance Company Limited 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 Life Insurance Company Limited reserves the right to make modifications and alterations to this statement as may be required from time to time. However, HDFC Life Insurance Company Limited is under no obligation to update or keep the Information current.
Neither HDFC Life Insurance Company Limited 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.
19. The premiums are inclusive of applicable levies, taxes and 5% discount for 1st year premiums only. The above premiums are for a healthy male applicable for HDFC Life Click 2 Protect Super (UIN: 101N145V08) (a Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings Life Insurance Plan) along with return of premium option.
20. Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option. This benefit is available under Life and Life Plus option only.
ARN -DM/06/25/24745