HDFC Life Pragati
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“Grow your Savings, Secure your Future”. Each one of us desires a secure future for ourselves and our loved ones and we strive hard to grow our savings in order to provide for family’s financial security. But often we also worry about various road blocks that can get in the way of achieving the same. HDFC Life understands your desire & concern and has designed a solution - HDFC Life Pragati that meets dual objectives of Savings and Protection so that you can continue providing your family with the quality of life and peace of mind.

PROTECT YOUR LOVED ONES WITH LIFE INSURANCE COVER IN A FEW SIMPLE STEPS
Tell us about yourself
ARE YOU AN NRI ?
Are you buying policy for self?
Gender
Smoker

None None
Benefits Available Under HDFC Life Pragati
  • MATURITY BENEFIT: On survival till the maturity date, provided all due premiums have been paid, you will receive the higher of :
    1. Sum Assured on Maturity + Accrued Reversionary bonus (if any) + Interim bonus (if any) + Terminal bonus (if any)
    2. 100 % of Total Premiums4 paid
  • DEATH BENEFIT: On death of the Life Assured during the Policy Term, provided all due premiums are paid, we will pay the higher of the following:
     
    • Sum Assured on Death + Accrued Reversionary Bonus (if any) + Interim Bonus (if any) + Terminal Bonus (if any)
    • 105% of Total Premiums4 paid

    The Sum Assured on Death shall be the higher of:

    • Sum Assured on Maturity5
    • 10 times Annualized Premium for entry age less than 45 years and 7 times Annualized Premium for entry age greater than or equal to 45 years for Limited and Regular pay policies OR 2 times Single Premium for Single pay policies

    On payment of the maturity or death benefit, the policy will terminate with no further benefits payable.

    For maturity/death benefit for a reduced Paid-up/lapsed policy, please refer to the Section on Paid-up & Laps below.

  • AUTO COVER CONTINUANCE (ACC): Under this feature, for a lapsed/Paid-up policy, the full death benefit shall apply for:
    1. two years OR
    2. outstanding Policy Term
    Whichever is lower from the date of Paid-up/lapse.
    The death benefit payable during the ACC period shall be the higher of: 
    • Sum Assured on Death + Accrued Reversionary Bonus (if any) + Interim Bonus (if any) + Terminal Bonus (if any)
    • 105% of Total Premiums4 paid

    Reversionary Bonus accrued till date of lapse/Paid-up shall become payable on death and no further Reversionary Bonus shall accrue to the policy.

    4Total Premiums paid shall be (Annualised Premium * number of years (or part thereof) for which premiums have been paid). Annualised Premium shall exclude any underwriting extra premiums, any loadings for modal premiums and any taxes paid such as service tax and cess as applicable.

    5Sum Assured on Maturity is the absolute amount of benefit guaranteed to be payable on maturity of the policy.

Entry Age
 
MIN
8 yrs
 
MAX
55 yrs
Maturity Age
 
MIN
18 yrs
 
MAX
65 yrs
Premium Paying Term
  • Single Pay

  • Limited Pay - 5 Years to 10 Years

  • Regular Pay - 10 Years
Policy Term
  • Single Pay - 5 to 20 years

  • Limited Pay - 10 to 20 years

  • Regular Pay - 10 years(Fixed)
Maturity Sum Assured
MIN
  • Rs 5,000
MAX
  • Single Pay – Rs 18,697
  • Limited Pay – Rs 64,869
  • Regular Pay – Rs 54,747
Frequency of Premium Payment
 
MIN
  • Single Pay: Rs.5,000
  • Annual: Rs.900
  • Half Yearly: Rs.450
  • Quarterly: Rs.225
  • Monthly: Rs.100
MAX
  • Rs 15,000
  • Rs 5,500 (Annualized Premium)
All ages mentioned above are age last birthday. Risk cover starts from date of commencement of policy for all lives including minors.
You can choose to pay your premiums either annually, half yearly, quarterly or monthly or as a single lump sum. The Premium limits are as specified above.
The minimum premium amounts are subject to the Sum Assured at Maturity being at least Rs.5, 000
6The minimum premium amounts shall exclude any underwriting extra premiums, any loadings for modal premiums and any taxes paid such as service tax and cess as applicable.
7For Monthly premium frequency, we may collect 3 months premiums in advance on the date of commencement of policy as a prerequisite to allow monthly mode of premium payment
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HOW CAN WE HELP YOU

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Email
nriservice@hdfclife.com

(For NRI customer only)

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