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HDFC Life
Sanchay Legacy
UIN: 101N177V04
A plan that protects your family’s financial future and helps you leave behind a lasting legacy!
Increasing Life cover
Available with No Medicals*
Payout** on diagnosis of Critical Illness
Early RoP^ benefit
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Why HDFC Life Sanchay Legacy?
A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan
Whole Life plan to leave a legacy for your family
2 Plan Options to choose from as per your needs
Early RoP^ benefit at Age 85 or in instalments
Acceleration of 100% Death benefit on diagnosis of 19 Critical Illnesses covered
Waiver of Premium on 60 CIs covered through WOP on CI option
Waiver of Premium on occurrence of Total and Permanent Disability through WOP on TPD option
Option to receive Death Benefit in Instalments
Option to decrease your premiums after 5 years
Enhanced Protection through Riders
Whole Life plan to leave a legacy for your family
2 Plan Options to choose from as per your needs
Early RoP^ benefit at Age 85 or in instalments
Acceleration of 100% Death benefit on diagnosis of 19 Critical Illnesses covered
Waiver of Premium on 60 CIs covered through WOP on CI option
Waiver of Premium on occurrence of Total and Permanent Disability through WOP on TPD option
Option to receive Death Benefit in Instalments
Option to decrease your premiums after 5 years
Enhanced Protection through Riders
Your Plan. Your Benefits
- Plan Options
- Death Benefit
- Acceleration of Death Benefit
- Additional Options/ Benefits
Plan Options
You can choose any of the two options at inception. Plan option once selected shall remain the same for the duration of the policy:
Life Option
-
Under this option, the life assured is covered for death benefit for whole of life. The Death benefit shall be accelerated in case of diagnosis of the covered Critical Illness as mentioned under Acceleration of Death Benefit section.
RoP^ Option
-
Under this option, the life assured is covered for death benefit for whole of life. The Death Benefit shall be accelerated in case of diagnosis of the covered Critical Illness as mentioned below. Further the life assured shall receive Survival Benefit on survival till the end of Milestone Year.
The policyholder can choose any one of the above options, 1 & 2 at the outset.
Check Eligibility Criteria
Before buying HDFC Life Sanchay Legacy
ELIGIBILITY CRITERIA
Parameters |
Minimum |
Maximum |
|---|---|---|
Age at Entry (years) |
40 years |
Single Pay: 65 years 5 & 6 years: 60 years 7 to 10 years: 65 years 11 to 15 years: 75 years less PPT |
Age at Maturity (years) |
Whole of Life |
|
Premium Paying Term (PPT) |
Single Pay (1.25x DBM) 5 years to 15 years (7x DBM) 8 years to 15 years (10x DBM) |
|
Policy Term |
Whole of Life |
|
Instalment Premium |
Single Pay (1.25x DBM): Rs. 1,00,000
Limited Pay: 10x DBM: Annual: Rs. 1,00,000 Half-yearly: Rs. 51,000 Quarterly: Rs. 26,000 Monthly: Rs. 8,750
7x DBM: Annual: Rs. 30,000 Half-yearly: Rs. 15,300 Quarterly: Rs. 7,800 Monthly: Rs. 2,625 |
Consistent with Maximum Sum Assured on Death |
Sum Assured on Death |
Single Pay: 1.25 times the Single Premium
Limited Pay: 7 times the Annualised Premium* |
Single Pay: 1.25 times the Single Premium
Limited Pay: 10 times the Annualised Premium*
subject to the Board Approved Underwriting Policy (BAUP) |
All ages are expressed as on last birthday. For all ages, risk commences from the date of inception of the contract.
DBM refers to Death Benefit Multiple. Premium will vary depending on the plan option chosen.
*Annualised Premium means the premium amount payable in a year chosen by the Policyholder, excluding the taxes, Rider Premium(s), underwriting extra premiums and loadings for modal premiums, if any.
Term Insurance is incomplete without riders
Riders in insurance have an important part in contingency planning.
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HDFC Life Income Benefit on Accidental Disability Rider- Non Linked
UIN: 101B041V01
Get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.
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99.68% Claim Settlement Ratio
For FY 2024-2025
~5 Cr. Number Of Lives Insured
For FY 2024-2025
99.68% Claim Settlement Ratio
For FY 2024-2025
~5 Cr. Number Of Lives Insured
For FY 2024-2025
*Non medical limits as per customer profile and life cover opted will apply. Simplified underwriting guidelines applicable under this plan.
**100% of Death Benefit is paid and the policy terminates. CI cover will start after the end of 10th policy year or Premium Payment Term, whichever is later.
^RoP refers to Return of Premiums.
ARN: PP/09/24/15959
