HDFC Life Sampoorn Nivesh
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You have certain financial goals for your family which may vary as you progress from one life stage to another. Therefore your investments also have to be actively managed to meet those goals and also ensure that you are protecting your family financially. We understand this and therefore are glad to offer HDFC Life Sampoorn Nivesh, a insurance cum investment plan designed specifically with multiple fund options so as to help you optimize your investment. Furthermore, it also provides you with varied benefit options to meet your protection needs.

Explore HDFC Life Sampoorn Nivesh
Explore HDFC Life Sampoorn Nivesh
Benefits Available Under Sampoorn Nivesh
  • HDFC Life Sampoorn Nivesh provides 3 Benefit Options to choose from based on your requirement:
    1. Classic
    2. Classic Plus
    3. Classic Waiver
  • Death Benefit:
    In case of the Life Assured’s unfortunate demise during the policy term, we will pay a lump sum amount to the nominee as mentioned below:



    Classic Plus

    Classic Waiver

    Highest of

    • Sum Assured,
    • Fund Value,
    • 105% of total premium(s) paid

    Policy will terminate once the benefit is paid to the Nominee

    Higher of

    • Sum Assured plus Fund Value
    • 105% of total premium(s) paid

    Policy will terminate once the benefit is paid to the Nominee

    Higher of

    • Sum Assured
    • 105% of total premium(s) paid


    Modal Premium will be payable by us to the Fund on Premium Due Date and the policy will be in force


    Fund Value will be payable on Maturity

    1. Accidental Death Benefit:
      Get invaluable protection for your family through Extra Life option in case of Accidental Death
      1. Maturity Benefit:
        On survival till the end of policy term, you will receive your Fund Value as Maturity Benefit
        1. Loyalty Additions*
          Enhance your Fund Value through Guaranteed Loyalty Additions from 10th policy year
          1. Reduced Allocation Charge*
            Optimize your investments through Reduced Premium Allocation Charge by investing higher premium
            1. Flexibilities:
              1. Get 4 Fund Switch, Premium Redirection and Partial Withdrawal each absolutely free in a policy year
              2. This plan can be availed by filling short medical questionnaire, which may not require you to go for medicals
              3. Fill a short questionnaire to avoid medical check-ups
            2. Tax Benefit:
              Avail Tax Benefit as per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

              *For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision.
            Classic (Life) Option
            ENTRY AGE0 yrs(30 days)*54 yrs60 yrs
            MATURITY AGE18 yrs64 yrs70 yrs
            Classic (Extra Life) Option
            ENTRY AGE18 yrs53 yrs58 yrs
            MATURITY AGE28 yrs63 yrs68 yrs
            Classic Plus Option
            ENTRY AGE0 yrs (30 days)*48 yrs50 yrs
            MATURITY AGE18 yrs58 yrs60 yrs
            Classic Waiver Option
            ENTRY AGE18 yrs47 yrs50 yrs
            MATURITY AGE28 yrs57 yrs60 yrs
            For non-annual modes the applicable maximum entry age and maturity age limit shall be less than 2 years of the corresponding age limits for annual mode as mentioned above
            *For all ages, risk commences from the date of inception of the contract
            Product Brochure Download
            Guide to Mortality

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            (Applicable for Unit Linked Plans only),
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