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Explore HDFC Life Capital Shield

Benefits
Benefits Available Under HDFC Life Capital Shield
- Maturity Benefit :
Your policy matures at the end of the policy term and all your risk cover ceases. On maturity of the policy, provided all due premiums have been paid, the Life Assured will receive higher of:
1. Fund Value
2. Assured Maturity Benefit (as defined below)
Assured Maturity Benefit = (101% * “Total Premiums” paid till date) less the Total Partial Withdrawals made till date (if any).
- Death Benefit :
In case of the Life Assured’s unfortunate demise during the Policy term, provided all due premiums have been paid, we will pay to the nominee the “Sum Assured on Death” The “Sum Assured on Death” shall be the highest of :
1. Sum Assured less Partial withdrawals made(if any)
2. Fund value
3. 105% of total premiums paid till the date of death
- Loyalty Additions :
Loyalty additions (as percentage of the average fund value) will be added to the fund value in the form of additional units from the end of 6th policy year onwards, provided all due premiums have been paid. The Loyalty Additions will be added for both Single Pay and Limited Pay policies. Percentage of loyalty additions will vary with the Policy Year and have been outlined below :
Policy Year Loyalty Additions
(as a % of average Fund Value)6 0.50% 7 0.50% 8 0.75% 9 0.75% 10 1.50% Please refer to the Product Brochure for complete details of the product
Eligibility
PREMIUMS

MIN
- Single Pay: Rs.48,000
- Annual: Rs.48,000
- Half Yearly: Rs.24,000
- Quarterly: Rs.12,000
- Monthly: Rs.4,000
MAX
- No Limit*
SUM ASSURED - SINGLE PREMIUM

MIN | MAX |
Entry age less than 45 yrs | 125% of Single Premium |
Entry age equal to 45 yrs or less | 125% of Single Premium |
SUM ASSURED - LIMITED PREMIUM

MIN | MAX |
Entry age less than 45 yrs | 10 times Annualised Premium^ |
Entry age between 45 yrs or 54yrs | 7-10 times Annualised Premium^ |
Entry age 55yrs or above | 7 times Annualised Premium^ |
Policy Term

- 10 years
PREMIUM PAYMENT TERM

- Single
- Limited - 5 Years
All ages mentioned above are age last birthday.
* subject to our Board Approved Underwriting Policy
#For all ages, risk commences from the date of inception of the contract.
Risk cover shall start from date of commencement of the policy for all lives including minors.
^ Annualized Premium means the premium amount payable in a year excluding the taxes, rider premiums and underwriting extra premium on riders, if any.

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Downloads
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