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HDFC Life ClassicAssure PlusInvestment
HDFC Life ClassicAssure PlusInvestment
HDFC Life ClassicAssure PlusInvestment

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For NRI Customers

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+91- 8916613503
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+91 8291-890-569

(If you're our existing customer)

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RESUME APPLICATION PAY PREMIUM

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

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Why HDFC Life Saral Pension?

A Single Premium Non-Participating Non-Linked Individual Immediate Annuity Plan that provides regular income for whole of life.

Single & Joint Life annuity options to cater to your needs
Option to receive annuity monthly, quarterly, half-yearly or yearly
Benefit of higher annuity rates for large purchase price.
Return of Purchase Price option on death
Surrender value on diagnosis of critical illness¹
Guaranteed income source for life – Annuity once purchased is guaranteed for lifetime

Single & Joint Life annuity options to cater to your needs
Option to receive annuity monthly, quarterly, half-yearly or yearly
Benefit of higher annuity rates for large purchase price.
Return of Purchase Price option on death
Surrender value on diagnosis of critical illness¹
Guaranteed income source for life – Annuity once purchased is guaranteed for lifetime

1. 95% Surrender value is provided on diagnosis of critical illnesses. The list of critical illnesses may be revised from time to time by the authority as needed.

Bonus Declaration

Multiple ways to pay premiums online using Net Banking, Credit Card, Debit Card,
UPI, wallets, Bill Pay along with various offline and auto payment options

Revionary Bonus

HDFC MONEY BACK PAIN (UIN:101N002V01)
2007-08	2.25%
2009-10	2.25%
2010-11	2.25%
2011-12	2.25%
2012-13	2.25%

Product Name	Policy Term	Maturity TB Rates F.Y 2019	Maturity TB Rates F.Y 2020	2.Surrender/Death TB Rates F.Y 2019 %	Surrender/Death TB Rates F.Y 2020
HDFC Money Back (UIN :101N002V01)
	10	2.25%	2.25%	2.25%
	11	NA	2.25%	2.25%
	11	NA	2.25%	2.25%

RB on SPWL is on compound basis, while on all other products it is on simple basis

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Cash bonus

Your Plan. Your Benefits

Flexibility to choose for Single or Joint life

View the benefits under Single or Joint life Annuity option

Single Life Annuity Option
Joint Life (two lives) Annuity Option

Single Life Annuity Option

Life Annuity with Return of 100% of Purchase Price

Annuity for as long as Annuitant is alive

Survival Benefit

Annuity Payments will be made in arrears for as long as Annuitant is alive, as per the chosen mode of annuity payment.
The Premium/Purchase Price excludes taxes and levies as applicable.

Death Benefit

On death of the Annuitant, the annuity payment shall cease immediately.
The Purchase Price shall be payable to nominee(s) / legal heirs.
The Premium/Purchase Price excludes taxes and levies as applicable.

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Check Your Eligibility

Before buying HDFC Life Saral Pension

ELIGIBILITY CRITERIA

Eligibility Criteria		Minimum		Maximum
AGE AT ENTRY (LAST BIRTHDAY)		40 years		80 years
		Single Life	Joint Life
PURCHASE PRICE	YEARLY	₹ 1,88,383	₹ 1,86,625	No Limit
	HALF-YEARLY	₹ 1,91,349	₹ 1,89,563
	QUARTERLY	₹ 1,92,917	₹ 1,91,116
	MONTHLY	₹ 1,93,909	₹ 1,92,100
ANNUITY PAYOUT PER FREQUENCY	YEARLY	₹ 12,000		No Limit
	HALF-YEARLY	₹ 6,000
	QUARTERLY	₹ 3,000
	MONTHLY	₹ 1,000

The Premium/Purchase Price excludes taxes and levies as applicable.

Higher Annuity For Large Purchase Price

Band	Purchase Price (Excluding GST)
BAND 1	Less than ₹ 2,00,000
BAND 2	₹ 2,00,000 to ₹ 4,99,999
BAND 3	₹ 5,00,000 to ₹ 9,99,999
BAND 4	₹ 10,00,000 to ₹ 24,99,999
BAND 5	₹ 25,00,000 and above

Not sure which insurance to buy?

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We help you to choose best insurance plan based on your needs

Personal details

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The values shown here are only for illustration. The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.

Frequently Asked Questions

We’ll tell you everything you need to know about HDFC Life Saral Pension

1 What are the annuity options available under this plan?

Single Life Annuity Options	Joint Life (two lives) Annuity Options
Life Annuity with Return of 100% of Purchase price (ROP)	Joint Life Last Survivor Annuity with Return of 100% of Purchase Price (ROP) on death of the last survivor

2 Can I change my annuity option after purchasing the policy?

Annuity options must be chosen at inception and you cannot change annuity options later.

3 What is a single life annuity option?

The option for single life is - Life Annuity with Return of 100% of Purchase price (ROP) , where,

The annuity will be payable at uniform rate in arrears for the life of the annuitant.
On the death of the annuitant, the annuity payments will cease and we will pay to the annuitant’s nominee/legal heirs 100% of the purchase price.

4 What is a joint life annuity option?

The option for joint life is- Joint Life Last Survivor Annuity with Return of 100% of Purchase Price (ROP) on death of the last survivor, where,

The annuity will be payable in arrears so long as at least one of the two annuitants is alive.
On the death of the primary annuitant, secondary annuitant will receive 100% of original annuity throughout life. Subsequently, on death of the spouse, Purchase Price shall be payable to nominee / legal heirs
However, if the spouse has pre-deceased the primary annuitant, then on the death of the primary annuitant, the Purchase price shall be payable to the nominee /legal heirs

The word guaranteed means that the annuity payout is fixed at the inception of the policy
In the case of Joint Life annuities the payout continues till either of the lives chosen in the policy is alive.

ARN: PP/03/23/1293

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HDFC Life Saral Pension