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What do you want to do?
Why HDFC Life Guaranteed Wealth Plus is just right for you?
A Non-Linked Non-Participating Individual Life Insurance Savings 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 guaranteed1 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 guaranteed1 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
- Lorem ipsum dolor sit amet, consectetur adipiscing elit
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.
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.
Your Plan. Your Benefits
View the benefits available for you
- Maturity Benefit
- Survival Benefit
- Death Benefit
- Life Insurance Cover
Maturity Benefit
Maturity Benefit
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On survival till the end of policy term, the maturity benefit is payable depending upon the variant chosen at inception of the policy.
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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
Entry Age <=45 Years
Entry Age >45 Years
Entry Age <=45 Years
Entry Age >45 Years
₹ 1,50,000-1,99,9999
188.00%
188.00%
225.00%
225.00%
₹ 2,00,000-4,99,999
190.00%
190.00%
229.00%
229.00%
₹ Rs 5,00,000-24,99,999
192.00%
192.00%
233.00%
233.00%
₹ 25,00,000 & above
199.00%
199.00%
240.00%
240.00%
Annualized Premium1 Band for Limited Pay – 6 years
Policy Term-12
Policy Term-15
Entry Age <=45 Years
Entry Age >45 Years
Entry Age <=45 Years
Entry Age >45 Years
₹ 75,000- 1,49,999
156.00%
146.00% 197.00% 184.00%
₹ 1,50,000-1,99,999
156.00%
146.00% 197.00%
184.00%
₹ 2,00,000-4,99,999
158.00% 148.00%
199.50%
186.50% ₹ 5,00,000 & above
159.00%
149.00% 201.00%
188.00% Annualized Premium1 Band for Limited Pay – 8 years
Policy Term-12
Policy Term-15
Entry Age <=45 Years
Entry Age >45 Years
Entry Age <=45 Years
Entry Age >45 Years
₹ 75,000- 1,49,999
153.50%
146.50%
189.00%
180.50%
₹ 1,50,000-1,99,999
154.00%
147.00%
189.50%
181.00%
₹ 2,00,000-4,99,999
155.25%
148.25%
191.25%
183.00%
₹ 5,00,000 & above
156.25%
149.25%
192.75%
184.25%
Annualized Premium1 Band for Limited Pay – 10 years
Policy Term-12
Policy Term-15
Entry Age <=45 Years
Entry Age >45 Years
Entry Age <=45 Years
Entry Age >45 Years
₹ 75,000- 1,49,999
143.50%
138.00%
177.00%
170.25%
₹ 1,50,000-1,99,999
144.00%
138.50%
177.50%
170.75%
₹ 2,00,000-4,99,999
145.25%
139.75%
179.00%
172.50%
₹ 5,00,000 & above
146.25%
140.50%
180.50%
173.75%
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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.
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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..
Check Eligibility Criteria
ELIGIBILITY CRITERIA
Premium Paying Term (PPT) | Single Pay, Limited Pay - 6 years, 8 years, 10 years | |
Policy Term
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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 |
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Minimum Age at Entry (As on last birthday) |
Single Pay |
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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 |
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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 |
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75 years | 6 Pay - 97 years 8 Pay - 99 years 10 Pay - 101 years |
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Single Pay | ||
75 Years | NA | |
Minimum Premium2 | 1,50,000 ( Single Pay) 75,000 (Annual) 60,000 (Half-Yearly) 10,000 (Monthly) |
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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.
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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
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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
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.
ARN: PP/04/23/1714