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HDFC Life Smart Income Plan
HDFC Life Smart Income Plan
UIN: 101N166V02Cherish today’s little moments & create tomorrow’s precious memories
Guaranteed Income Benefit1
Life Insurance Cover for full Policy Term
Option of Enhanced Maturity / Enhanced Income
1800-266-9777
(All Days, from 9am to 9pm, Toll Free)
Why HDFC Life Smart Income Plan is just right for you?
A Non-Linked Participating Individual Life Insurance Savings Plan
This plan is suitable to you, if you are looking to secure a guaranteed source of income to fulfil your family’s dreams and aspirations.
This plan also safeguards your family’s financial future by offering life insurance cover for full policy term.
Option of Enhanced Maturity / Enhanced Income
Pay for a limited term 6/8/10/12 years only and get income for 12/16/20/24 year
Flexible options to avail potential upside of benefits through bonuses (if declared)
Guaranteed Income Benefit1
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This plan is suitable to you, if you are looking to secure a guaranteed source of income to fulfil your family’s dreams and aspirations.
This plan also safeguards your family’s financial future by offering life insurance cover for full policy term.
Option of Enhanced Maturity / Enhanced Income
Pay for a limited term 6/8/10/12 years only and get income for 12/16/20/24 year
Flexible options to avail potential upside of benefits through bonuses (if declared)
Guaranteed Income Benefit1
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1. Guaranteed Income Benefit (GIB) is paid on survival during the income payout term, provided all due premiums are paid during the premium payment term. The last installment of GIB is paid as part of maturity benefit and other installments are paid as part of survival benefits during the policy term.
1. Guaranteed Income Benefit (GIB) is paid on survival during the income payout term, provided all due premiums are paid during the premium payment term. The last installment of GIB is paid as part of maturity benefit and other installments are paid as part of survival benefits during the policy term.
Your Plan. Your Benefits
View the benefits available for you
- Maturity Benefit
- Survival Benefit
- Death Benefit
Maturity Benefit
Maturity Benefit
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You have an Option of Enhanced Maturity or Enhanced Income
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Enhanced Maturity: Last installment of Guaranteed Income Benefit (10% of Basic Sum Assured) plus Accrued Simple Reversionary Bonus, if any, plus Terminal Bonus, if any, is payable, on survival of the life assured till the end of the policy term, as maturity benefit.
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Enhanced Income: Last installment of Guaranteed Income Benefit (10% of Basic Sum Assured) plus Accrued and unpaid Simple Reversionary Income bonus, if any, plus Terminal Bonus, if any, is payable on survival of the life assured till the end of the policy term, as maturity benefit.
Check Eligibility Criteria
ELIGIBILITY CRITERIA
| Eligibility Parameters | Premium Payment Term | ||||||
6 years |
8 Years |
10 Years |
12 Years |
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Policy Term |
19 years |
25 years |
31 years |
37 years |
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Minimum Age at entry (as on last birthday) |
10 years |
8 years |
6 years |
4 years |
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Maximum Age at Entry (as on last birthday) |
60 years |
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Minimum Age at Maturity (as on last birthday) |
29 years |
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Maximum Age at Maturity (as on last birthday) |
97 years |
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Minimum Sum Assured |
As per minimum premium |
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| Maximum Sum Assured |
No Limit (subject to Board approved underwriting policy) |
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Minimum Premium (₹) |
Annual |
Rs. 30,000 |
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Half- Yearly |
Rs. 18,000 |
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| Monthly |
Rs. 3,000 |
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| Maximum Premium (₹) |
No Limit (subject to Board approved underwriting policy) |
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Premium Payment Mode |
Annual, Half-Yearly, Monthly1 |
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Income Payout Term |
12 Years |
16 Years |
20 Years |
24 Years |
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| Income Payout Mode |
Annual |
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1. For monthly premium payment mode, 3 monthly premiums are collected in advance on the date of commencement of the policy.
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 -
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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. Guaranteed Income Benefit (GIB) is paid on survival during the income payout term, provided all due premiums are paid during the premium payment term. The last installment of GIB is paid as part of maturity benefit and other installments are paid as part of survival benefits during the policy term.
ARN: PP/04/23/1796