HDFC Life Super Income Plan/ Guaranteed Income Plan
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A non linked participating limited pay money back Life Insurance Plan

HDFC Life Super Income Plan has been awarded as the 'Best Product Innovation' at the Indian Insurance Awards, 2014.HDFC Life Super Income Plan is a participating regular money back policy plan in India with guaranteed benefits plus bonuses to best plan your investment needs. This money back policy offers guaranteed income for a period of 8 to 15 years and is ideal for individuals who need regular income at their disposal so that they don’t have to worry about future expenses and fulfill their financial goals uninterrupted.

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Explore HDFC Life Super Income Plan

  • As you approach different stages in life, there are dreams and aspirations that you set out for yourself and your family. But this does not set you free from the day to day responsibilities of managing house, paying for health expenses, school fees etc. To help you ensure that none of this is compromised for the other, we offer you a money back plan such that you can fulfill your dreams uninterrupted.

    • Enjoy regular income for period of 8 to 15 years after premium payment term under limited pay option
    • Enjoy regular income from 2nd policy year onwards till the end of policy term under single pay option.
    • Survival Benefits varying from 3.84% to 12.5% of Sum Assured on Maturity payable each year during payout period.
    • Boost your regular income at maturity with reversionary bonuses and terminal bonus, if any.
      1. This money back policy is available with a Short Medical Questionnaire (SMQ) based underwriting

        1. You can customize your coverage by opting HDFC Life Income Benefit on Accidental Disability Rider that offers monthly Income of 1% of rider Sum Assured in the event of Total Permanent Disability due to accident for a fixed period of 10 years.

          1. The flexibility to choose the premium payment frequency i.e. monthly/quarterly/half-yearly/annual.

           

          • Get additional protection by opting for  HDFC Life Critical Illness Plus Rider that provides Rider Sum Assured in case diagnosed with any of the 19 Critical Illnesses 

            For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision. 

          1 A Terminal Bonus may be added to a policy and enables the company to pay a fair share of the surplus provided all due premiums are paid, based on the actual experience over the policy term and allowing for the reversionary bonuses already attached.As the Terminal bonus depends on the actual future experience it is not a guaranteed benefit.

        Benefits Available Under HDFC Life Super Income Plan - Money Back Policy in India
        • Limited premium paying term of 5, 8, 10 or 12 years or pay once under Single premium option
        • Guaranteed1 Income every year for a period of 8, 10, 12 or 15 years under limited pay option
        • Guaranteed1 Income from 2nd policy year onwards till the end of policy term under single pay option
          1. Financial Protection against untimely demise, throughout the premium payment term as well as the payout period
            1. You can opt for hassle-free issuance on the basis of a Short Medical Questionnaire eliminating tedious medical tests 

              For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision. 

            1The Income will be received in the payout period and it will start once the premium paying term is over provided the policy in force and the life assured is alive

            Subject to provisions, as per Income Tax Act 1961. Tax benefits are subject to changes in tax laws.

            Eligibility for the Money Back Policy

            ENTRY AGE
            MIN
            MAX
            • 18 years minus Policy Term (for policy term less than 18 years)
            59 (FOR POLICY TERM OF 15 and 16 YEARS)
            • 30 days (for policy term greater than or equal to18 years)
            57 (FOR POLICY TERM OF 18 YEARS)
            55 (FOR POLICY TERM OF 20 YEARS)
            53 (FOR POLICY TERM OF 22 YEARS)
            51 (FOR POLICY TERM OF 24 YEARS)
            48 (FOR POLICY TERM OF 27 YEARS)
            34 (for policy term 15 to 27 years under Option 9)
            MATURITY AGE
             
            MIN
            18 yrs
             
            MAX
            75 yrs

            Money Back Policy options

            The plan offers range of options which you can select at inception based on your financial goals

            Limited Pay Option:
            OptionsPremium payment term (years) (A)Payout period (years) (B)Policy term (years) (A+B)Survival Benefit as % of Sum Assured on Maturity
             
            Annual GBI Paid During Payout Period
            Total Guaranteed Income For Entire Payout Period
            Options 1881612.50%12.5*8= 100%
            Options 28101810.00%10.0*10= 100%
            Options 310102012.00%12.0*10= 120%
            Options 410122210.00%10.0*12= 120%
            Options 512122410.00%10.0*12= 120%
            Options 61215278.00%8.0*15= 120%
            Options 751015100% of Sum
            Assured on
            Maturity divided
            by Payout
            period            		100%
            Options 851520

            Single Pay Option:

            OptionsPremium payment term (years)Payout period (years)Policy term (years)Survival Benefit as % of Sum Assured on Maturity
             
            Annual GBI Paid During Payout Period
            Total Guaranteed Income For Entire Payout Period
            Options 9Single PayFrom 2nd year to
            the end of the
            Policy Term            		15 to 27 years100% of Sum
            Assured on
            Maturity divided
            by Payout
            period            		100%
            For all ages, risk commences from the date of inception of the contract.
            All ages mentioned above are age last birthday.
            For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision.
            Product Brochure Download
            Rider Brochure Download
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            Our vision is to provide innovative and customer-centric insurance plans that can help our customers secure their family's future as well as help them with other benefits such as tax savings. Keeping this in mind we offer a large range of life insurance plans such as term insurance plan, women's plan, health insurance plans, pension plans for retirement planning, child education plans, ULIPs, saving and investment plans. Most of these life insurance policies are available online, so buy one today and Sar Utha Ke Jiyo!.

            As per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My Account/[email protected]/18602679999/HDFC Life branch. Ignore if already submitted.

            HDFC Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.

            Registered Office:

            HDFC Life Insurance Company Limited,

            Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666.

            The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a licence/agreement
            For more details on risk factors, associated terms and conditions and exclusions, please read the sales brochure carefully before concluding a sale. ARN: EC/06/2017/9792

            BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

            • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.