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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

  • Lorem ipsum dolor sit amet, consectetur adipiscing elit
  • Lorem ipsum dolor sit amet, consectetur adipiscing elit
  • 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

  • Lorem ipsum dolor sit amet, consectetur adipiscing elit
  • Lorem ipsum dolor sit amet, consectetur adipiscing elit

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

Check Eligibility Criteria

ELIGIBILITY CRITERIA

Eligibility Parameters Premium Payment Term

6 years

8 Years 

10 Years

12 Years 

Policy Term

19 years 

25 years

31 years 

37 years

Minimum Age at entry (as on last birthday) 

10 years

8 years 

6 years

4 years 

Maximum Age at Entry (as on last birthday)

60 years 

Minimum Age at Maturity (as on last birthday)

29 years 

Maximum Age at Maturity (as on last birthday)

97 years 

Minimum Sum Assured

Enhanced Maturity 

₹ 2,83,384

₹ 2,78,219 

₹ 2,76,476

₹ 1,55,529 

Enhanced Income

₹ 3,27,643 

₹ 3,12,239

₹ 3,09,931 

₹ 1,79,464

Maximum Sum Assured

Enhanced Maturity

No Limit (subject to Board approved underwriting policy) 

Enhanced Income

Minimum Premium (₹)

Annual

₹ 1,00,000

₹ 75,000

₹ 60,000

₹ 30,000

Half- Yearly 

₹ 60,000

₹ 45,000 
₹ 36,000
₹ 18,000 
Monthly
₹ 10,000 
₹ 7,500
₹ 6,000 
₹ 3,000
Maximum Premium (₹)
No Limit (subject to Board approved underwriting policy)

Premium Payment Mode

Annual, Half-Yearly, Monthly1

Income Payout Term 

12 Years

16 Years 
20 Years
24 Years 
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.

Customise your cover these riders

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

    HDFC Life Term Rider

    UIN: 101B019V01

    We pay a lump sum amount equal to the Rider Sum Assured on Death is paid and the rider cover ceases.

    DOWNLOAD
  • icon

    HDFC Life Critical Illness Rider

    UIN: 101B018V01

    We pay one-time lump sum benefit if diagnosed with of any of the specified critical illnesses.

    DOWNLOAD
  • icon

    HDFC Life Accidental Death Disability and Dismemberment Benefit Rider

    UIN: 101B017V01

    We pay additional lump sum amount in case of Accidental Death, Disability or Dismemberment

    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: EU/07/22/28262