Why you need this Plan ?
- Provide financial security at an affordable price
- Ensure your family has comprehensive security always
- Maintain the family’s standard of living even in one’s absence
- Cover against the 3 uncertainties - death, disease and disability
PROTECT YOUR LOVED ONES WITH LIFE INSURANCE COVER IN A FEW SIMPLE STEPS
Features
Benefits Advantages
Eligibility FAQs Downloads Things to know

Benefits
HDFC Life Click2Protect 3D plus provides you with 9 plan options
Advantages

HDFC Life Click 2 Protect 3D Plus
Accidents happen! Add a little “extra” to your term plan and protect your family in your absence with HDFC Life Click 2 Protect 3D Plus - Extra Life Option. Life cover of Rs. 1 Cr at just Rs. 36/day*
*Online Premium for Extra Life, Male Life Assured, 25 years of Age, Lumpsum Benefit of Rs. 1 Crore for premium payment term of 40 years, Annual Frequency, Exclusive of Taxes. (Annual Premium Of Rs. 12783/365= Rs. 35.02/day)
All Options except Life Long Protection Option & 3D Life Long Protection Option
ENTRY AGE

MIN
18 yrs
MAX
65 yrs
POLICY TERM

MIN
5 yrs
MAX
40 yrs
MAX
50 yrs^
PREMIUM PAYMENT MODE

- Single
- Regular
- Limited : 5-39 yrs
PREMIUM PAYMENT FREQUENCY

- Annual
- Semi-Annual
- Quarterly
- Monthly
- Single
MATURITY AGE

MIN
23 yrs
MAX
75 yrs
MAX
85 yrs^
MINIMUM BASIC SUM ASSURED

- Rs. 10,00,000
Life Long Protection Option & 3D Life Long Protection Option
ENTRY AGE

MIN
25 yrs
MAX
65 yrs
POLICY TERM

- Whole of Life
PREMIUM PAYMENT MODE

- Limited : 65-Age at Entry OR
- Limited : 75-Age at Entry ( For Life Long Protection )
MATURITY AGE (investing)

- Annual
- Semi-Annual
- Quarterly
- Monthly
MATURITY AGE

- Whole of Life
MINIMUM BASIC SUM ASSURED

- Rs. 10,00,000
For Income and Extra Life Income options, the minimum income term shall be 1 month and the maximum income term will be 20 years.
All ages are expressed as on last birthday
^For Life, Extra Life, Income and Extra Life Income options only
^For Life, Extra Life, Income and Extra Life Income options only
Product Brochure Download
Premium Rates Downloads
Are You Making The Common Mistake Of Considering Term Plan As An Investment?
Many people typically buy a financial product only when they get returns. As a consequence, they consider term insurance plans as an investment. The truth is that a term plan is a pure insurance product that provides financial protection to your family which pays the family when the insured’s eventuality, such as death or critical illness, occurs. Here’s why you should not view online term plans as investments.
Explained! The Differences Between Buying A Term Plan Online And From An Advisor
Now that you have decided to buy a term plan, the next question on your mind will be whether to approach an advisor or buy the plan online all by yourself. We tell you how these two approaches work and which one you should use given the circumstancess.
Self learning, need analysis and expert advice
When buying a policy through an advisor, you would typically need just a good reference of an advisor. This is usually from a person whom you trust, and who has had a good experience with the recommended advisor, both in terms of subject knowledge and service quality. Another way of finding an advisor is to do basic research or ask your friends and relatives about how to find the right insurance company. Once you decide the company from which you want to buy your term plan, you can call up their sales team or contact their branch office from where you are assigned an advisor.
The advisor works like a consultant who asks many questions to you to learn about your finances and understand your future financial needs. Based on your inputs he can suggest a term plan that’s suited for you. When you decide to buy a term plan online, you will need to figure out the way yourself by going through numerous resources like knowledge websites, expert blogs, forums and online communities, and know about the various products and people’s experiences, as well as understand the process of need analysis.
Finding the right company for your term plan
Advisors can be associated with only one life insurance company. Therefore, their recommended products would come out from that company. On the other hand, an online search process, besides helping you find the right insurance amount, will also help you find an appropriate term plan that meets your financial security needs in the best possible manner. Online forums also provide you the platform to interact with many people who had similar experiences and have gone through this self-learning process earlier. Discussion on similar topics available on various blogs and forums also work as a readymade material with which you can quickly relate and move up the learning curve about discovering your insurance needs and the right product. You can also ask questions to subject matter experts on their blogs. You could also find many online product aggregator websites which provide the quickest and easiest way to comprehend the comparison on various product features offered by insurance companies.
One point contact verses direct contact
Besides assisting you on your insurance needs, an advisor could also help you with your overall financial planning. As a one-point contact, most advisors help their clients in regular premium payments, nomination updates, change of address or bank details, and if need arises, help the family with the claim settlement. However, when you have sufficient time and interest to do it yourself, you can get full control of managing your personal finances by buying insurance plans online, among other things. With evolution of alternate channels like customer service on phone or email, you can also have direct communication with the insurance companies. You can get statements and updates over email. You can also get your requests processed through phone, email, or by contacting the nearest branch of the insurance company.
Cost saving vs. convenience and consultancy cost
When you embrace the advisor model, there are many costs which are built in the price of the term plan bought through the advisor that the insurance company bears in the distribution of the product. Besides the commission from the insurance company, many financial advisors also charge a consultancy fee. On the other hand, if you buy the term plan online, the insurance company saves on the distribution and operational expenses, and hence, passes on the benefit to the customer by way of lower premium charges.
Why Buying The Term Plan Later Will Be Costlier Than You Think
We have all heard the saying “stitch in time saves nine” referring to the importance of doing things on time or face the consequences of the delays. The age old wisdom works pretty well when it comes to delays in buying life insurance, especially term plans. Mostly people wait for events like marriage or parenthood to buy a term plan when the need to protect their loved ones dawns on them. However, buying a term plan later in life is more disadvantageous than it may appear.
This is to state the obvious. Without a high life insurance coverage term plan you and your family remain exposed during a phase of life when, in your absence, your savings will not be enough for your family to meet regular expenses and future needs. If the worst were to happen, your investments would also have to undergo premature liquidation. This effectively is a huge cost your family will have to pay at a time of great need.If you buy a term plan when young, your premiums are lower compared to buying them later. This is because of lower mortality charge levied by the life insurance company which increases with age. So, more the delay in buying the term plan, higher the premium you will end up paying. On the other hand, if you buy a term plan early on, besides paying a low premium, you enjoy this advantage throughout the term of the plan.If you buy a term plan at early age then most of the medical tests are waived off or are lighter in nature. However, as you get along with the years, medical conditions surface typically from the late 30's to 40s. At this stage, medical tests are comprehensive and in the event of detection of complications, you will need to pay a higher premium. Also, you could be charged a higher premium if you have been suffering from ailments in the period leading up to buying the plan.
Postponing the purchase of a term plan leads to certain consequences which few people anticipate. With time you have other financial obligations such as meeting regular obligations like home and car loan EMIs, school education expenses of your children. This means there will be competing demands for your money by many important heads of expenses. The term plan premium payment only adds to the difficulty.
As you progress in life, your income and savings go up. It is important that this savings is deployed in investments in progressively increasing amounts to meet all future needs with ease. This process is likely to get disturbed if your finances get stretched thanks to premium obligations. Remember, the life insurance cover needed in later years will keep rising as you are likely to have increasingly higher living expenses and aspire for upgraded goals like foreign education for children, instead of studies in India.
Clearly, the cost of a delay in securing your family with a term plan is much more than what meets the eye initially. There is little doubt that you owe to your family the stitch in time especially when it comes to securing them.

HDFC Life Click 2 Protect 3D Plus
Accidents happen! Add a little “extra” to your term plan and protect your family in your absence with HDFC Life Click 2 Protect 3D Plus - Extra Life Option. Life cover of Rs. 1 Cr at just Rs. 36/day*
*Online Premium for Extra Life, Male Life Assured, 25 years of Age, Lumpsum Benefit of Rs. 1 Crore for premium payment term of 40 years, Annual Frequency, Exclusive of Taxes. (Annual Premium Of Rs. 12783/365= Rs. 35.02/day)
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