Guaranteed Wealth Plus: Life Insurance Savings Plan

RESUME APPLICATION PAY PREMIUM

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HDFC Life ClassicAssure PlusInvestment
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RESUME APPLICATION PAY PREMIUM

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Why HDFC Life Guaranteed Wealth Plus is just right for you?

A Non-Linked Non-Participating Individual Life Insurance Savings Plan

Why Buy HDFC Life Guaranteed Wealth Plus Plan?

This plan is suitable for you, if you are looking for long-term guaranteed returns to fulfil your dreams while providing financially security to your family.
Pay once or for a limited term, enjoy life insurance cover for full policy term
Avail guaranteed³ benefit as Lump sum or as Regular Income + Lump sum both
Guaranteed Income¹ for 30 years + 100% ROP² at maturity

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This plan is suitable for you, if you are looking for long-term guaranteed returns to fulfil your dreams while providing financially security to your family.
Pay once or for a limited term, enjoy life insurance cover for full policy term
Avail guaranteed³ benefit as Lump sum or as Regular Income + Lump sum both
Guaranteed Income¹ for 30 years + 100% ROP² at maturity

Lorem ipsum dolor sit amet, consectetur adipiscing elit

This applies to Income Variant, whereby guaranteed income is paid on survival of Life Assured during the policy term, provided all due Premium(s) are paid during the premium payment term.
ROP – Return of Premiums. This applies to Income variant, whereby all base premiums are returned to Policyholder on survival of Life Assured at maturity, provided all due premiums are paid during the premium payment term.
Quantum of benefits is guaranteed irrespective of the experience.

This applies to Income Variant, whereby guaranteed income is paid on survival of Life Assured during the policy term, provided all due Premium(s) are paid during the premium payment term.
ROP – Return of Premiums. This applies to Income variant, whereby all base premiums are returned to Policyholder on survival of Life Assured at maturity, provided all due premiums are paid during the premium payment term.
Quantum of benefits is guaranteed irrespective of the experience.

Your Plan. Your Benefits

Flexibility to choose your policy and premium payment terms.

View the benefits available for you

Maturity Benefit
Survival Benefit
Death Benefit
Life Insurance Cover

Maturity Benefit

On survival till the end of policy term, the maturity benefit is payable depending upon the variant chosen at inception of the policy.

Lump Sum Variant : Maturity benefit is received as a lump sum at the end of the chosen policy term. Maturity Benefit is calculated as a fixed percentage of either single premium or the sum total of Annualized Premiums¹ payable under the Policy.

Single Premium Band	Policy Term-12		Policy Term-15
Single Premium Band	Age<=45	Age >45	Age <=45	Age >45
Rs. 1,50,000- Rs. 1,99,999	191.25%	191.25%	229.75%	229.75%
Rs. 2,00,000- Rs. 4,99,999	193.25%	193.25%	234.00%	234.00%
Rs. 5,00,000- Rs.24,99,999	195.25%	195.25%	238.00%	238.00%
Rs. 25,00,000 & above	202.50%	202.50%	245.25%	245.25%

Annualized¹ Premium Band for Limited Pay – 6 years	Policy Term-12		Policy Term-15
Annualized¹ Premium Band for Limited Pay – 6 years	Entry Age<=45	Entry Age >45	Entry Age <=45	Entry Age >45
Rs. 75,000- Rs. 1,49,999	155.00%	148.00%	196.00%	187.25%
Rs. 1,50,000- Rs.1,99,999	155.50%	148.50%	196.50%	187.75%
Rs. 2,00,000- Rs.4,99,999	157.00%	149.00%	198.25%	189.00%
Rs. 5,00,000 & above	157.75%	149.50%	199.50%	190.00%

Annualized¹ Premium Band for Limited Pay – 8 years	Policy Term-12		Policy Term-15
Annualized¹ Premium Band for Limited Pay – 8 years	Entry Age<=45	Entry Age >45	Entry Age <=45	Entry Age >45
Rs.75,000- Rs. 1,49,999	152.50%	146.25%	189.00%	181.50%
Rs. 1,50,000- Rs.1,99,999	153.00%	146.75%	189.50%	182.00%
Rs. 2,00,000- Rs.4,99,999	154.00%	148.00%	190.75%	184.00%
Rs. 5,00,000 & above	154.75%	149.00%	192.00%	185.25%

Annualized¹ Premium Band for Limited Pay – 10 years	Policy Term-12		Policy Term-15
Annualized¹ Premium Band for Limited Pay – 10 years	Entry Age<=45	Entry Age >45	Entry Age <=45	Entry Age >45
Rs. 75,000- Rs. 1,49,999	142.75%	137.50%	179.75%	173.00%
Rs. 1,50,000- Rs. 1,99,999	143.25%	138.00%	180.25%	173.50%
Rs. 2,00,000- Rs. 4,99,999	144.25%	139.25%	181.75%	175.25%
Rs. 5,00,000 & above	144.75%	140.00%	183.25%	176.50%

Income Variant: Maturity benefit is received as a lump sum at the end of the chosen policy term. Maturity Benefit will be equal to 100% of the total premiums paid² during the premium payment term.
Disclaimer:

1. Annualized Premium shall be the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums (if any). The applicable taxes, if any, will be collected from the policyholder separately as over and above such premium.

2. Total Premiums Paid means total of all the premiums received, excluding any extra premium, any rider premium and taxes..

Calculate Premium

Check Eligibility Criteria

Before buying HDFC Life Guaranteed Wealth Plus

ELIGIBILITY CRITERIA

Premium Paying Term (PPT)	Single Pay, Limited Pay - 6 years, 8 years, 10 years
Policy Term	Lump Sum Variant	Income Variant (Only applicable for Limited pay)
	12 & 15 years	6 Pay - 37 years 8 Pay - 39 years 10 Pay - 41 years
Minimum Age at Entry (As on last birthday)	Single Pay

	Lump Sum - 12 years PT: 6 Years Lump Sum - 15 years PT: 3 Years	NA
	Limited Pay
	3 years (15 year Policy Term) 6 years (12 year Policy Term)	6 Pay - 11 years 8 Pay - 9 years 10 Pay - 7 years
Maximum Age at Entry (As on last birthday)	60 years
Minimum Age at Maturity (As on last birthday)	18 years	48 years
Maximum Age at Maturity (As on last birthday)	Limited Pay

	75 years	6 Pay - 97 years 8 Pay - 99 years 10 Pay - 101 years
	Single Pay
	75 Years	NA
Minimum Premium²	Rs. 1,50,000 ( Single Pay) Rs. 75,000 (Annual) Rs. 60,000 (Half-Yearly) Rs. 10,000 (Monthly)
Maximum Premium²	No Limit subject to board approved underwriting policy
Premium Payment Mode	Annual, Half yearly, Monthly¹, Single
Income Payout Mode	Annual

1. For monthly premium payment mode, 3 monthly premiums are collected in advance on the date of commencement of the policy.
2. Premium will vary depending upon the Option chosen.

Customise your cover with these riders

Riders in insurance have an important part in contingency planning. Top up your Saving Plan with them.

HDFC Life Income Benefit on Accidental Disability Rider

UIN: 101B013V03

Get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.
DOWNLOAD
HDFC Life Critical Illness Plus Rider

UIN: 101B014V02

We pay a lump sum amount equal to Rider Sum Assured upfront if diagnosed with of any of the specified critical illnesses.
DOWNLOAD

HDFC Life Protect Plus Rider

UIN: 101B016V01

Get protected with a proportion of Rider Sum Assured in case of accidental death or partial/total disability due to accident or diagnosed with Cancer.
DOWNLOAD

Disclaimer

1. This applies to Income Variant, whereby guaranteed income is paid on survival of Life Assured during the policy term, provided all due premiums are paid during the premium payment term.

2. ROP – Return of Premiums. This applies to Income variant, whereby all base premiums are returned to policyholder on survival of Life Assured at maturity, provided all due premiums are paid during the premium payment term.

3. Quantum of benefits is guaranteed irrespective of the experience.

ARN: PP/10/23/5946

Annualized¹ Premium Band for Limited Pay – 6 years	Guaranteed Income payout as a percentage of Annualized Premium (Death Multiple post PPT -10 times)
Annualized¹ Premium Band for Limited Pay – 6 years	Entry Age <= 40 years	Entry Age> 40 and <= 45 years	Entry Age >45 and <= 50 years	Entry Age >50 and <= 55 years	Entry Age >55 and <= 60 years
Rs.75,000-Rs.1,49,999	46.00%	45.75%	45.50%	45.25%	42.75%
Rs. 1,50,000-Rs.1,99,999	46.25%	46.00%	45.75%	45.50%	43.00%
Rs. 2,00,000- Rs.4,99,999	46.75%	46.50%	46.25%	46.00%	43.50%
Rs.5,00,000 & above	47.25%	47.00%	46.75%	46.50%	44.00%

Annualized¹ Premium Band for Limited Pay – 6 years	Guaranteed Income Payout as a percentage of Annualized Premium (Death Multiple post PPT - 7 times)
Annualized¹ Premium Band for Limited Pay – 6 years	Entry Age <= 40 years	Entry Age >40 and <= 45 years	Entry Age >45 and <= 50 years	Entry Age >50 and <= 55 years	Entry Age >55 and <= 60 years
Rs.75,000-Rs.1,49,999	46.50%	46.25%	46.00%	45.75%	43.00%
Rs. 1,50,000-Rs.1,99,999	46.75%	46.50%	46.25%	46.00%	43.25%
Rs. 2,00,000- Rs.4,99,999	47.25%	47.00%	46.75%	46.50%	43.75%
Rs.5,00,000 & above	47.75%	47.50%	47.25%	47.00%	44.50%

Annualized¹ Premium Band for Limited Pay – 8 years	Guaranteed Income Payout as a percentage of annualized premium (Death Multiple post PPT -10 times)
Annualized¹ Premium Band for Limited Pay – 8 years	Entry Age <= 40 years	Entry Age> 40 and <= 45 years	Entry Age >45 and <= 50 years	Entry Age >50 and <= 55 years	Entry Age >55 and <= 60 years
Rs.75,000-Rs.1,49,999	72.00%	71.50%	71.25%	71.00%	69.25%
Rs. 1,50,000-Rs.1,99,999	72.50%	72.25%	71.75%	71.50%	69.50%
Rs. 2,00,000- Rs.4,99,999	73.00%	72.75%	72.50%	72.25%	70.25%
Rs.5,00,000 & above	73.75%	73.50%	73.25%	73.00%	71.25%

Annualized¹ Premium Band for Limited Pay – 8 years	Guaranteed Income Payout as a percentage of annualized premium (Death Multiple post PPT- 7 times)
Annualized¹ Premium Band for Limited Pay – 8 years	Entry Age <= 40 years	Entry Age >40 and <= 45 years	Entry Age >45 and <= 50 years	Entry Age >50 and <= 55 years	Entry Age >55 and <= 60 years
Rs.75,000-Rs.1,49,999	72.25%	72.00%	71.75%	71.50%	69.50%
Rs. 1,50,000-Rs.1,99,999	73.00%	72.75%	72.25%	72.00%	69.75%
Rs. 2,00,000- Rs.4,99,999	73.50%	73.25%	73.00%	72.75%	70.75%
Rs.5,00,000 & above	74.25%	74.00%	73.75%	73.25%	71.75%

Annualized¹ Premium Band for Limited Pay – 10 years	Guaranteed Income Payout as a percentage of annualized premium (Death Multiple post PPT -10 times)
Annualized¹ Premium Band for Limited Pay – 10 years	Entry Age <= 40 years	Entry Age> 40 and <= 45 years	Entry Age >45 and <= 50 years	Entry Age >50 and <= 55 years	Entry Age >55 and <= 60 years
Rs.75,000-Rs.1,49,999	105.75%	105.25%	104.75%	104.00%	103.50%
Rs. 1,50,000-Rs.1,99,999	106.00%	105.50%	105.25%	104.50%	104.00%
Rs. 2,00,000- Rs.4,99,999	107.00%	106.25%	105.75%	105.25%	105.00%
Rs.5,00,000 & above	107.75%	107.00%	106.75%	106.25%	105.75%

Entry Age	Sum Assured on Death Multiple (X)
Up to 60 years	10 or 7 times, as chosen by the Policyholder at policy inception

Call (All Days, Local charges apply)

Email ID

Whatsapp

Call (Mon-Sat, 10am-9pm IST, Local Charges Apply)

Email ID

Call (All Days & Toll free)

Schedule a call

Whatsapp

Give missed call to buy a policy

Email

Locate a branch

Whatsapp

Call (Mon to Sat, from 10 am to 7 pm, Call charges apply)

Email

Call (Missed Call)

HDFC Life Guaranteed Wealth Plus

HDFC Life Guaranteed Wealth Plus

Why HDFC Life Guaranteed Wealth Plus is just right for you?

A Non-Linked Non-Participating Individual Life Insurance Savings Plan

Your Plan. Your Benefits

Flexibility to choose your policy and premium payment terms.

View the benefits available for you

Maturity Benefit

Maturity Benefit

Survival Benefit

Survival Benefit

Death Benefit

Death Benefit

Life Insurance Cover

Life Insurance Cover

Check Eligibility Criteria

ELIGIBILITY CRITERIA

Customise your cover with these riders

Riders in insurance have an important part in contingency planning. Top up your Saving Plan with them.

HDFC Life Income Benefit on Accidental Disability Rider

HDFC Life Critical Illness Plus Rider

HDFC Life Protect Plus Rider