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HDFC Life offers a comprehensive range of investment plans designed to help you achieve your financial goals while providing essential life insurance coverage. Here's why you should consider investing with HDFC Life:
Consistent & strong fund performance
to power long-term financial goals
Customised investments for specific goals
retirement, child education etc.
Asset Under Management of more than
Rs.3 lakh Crore~
Flexibility to Withdraw your investments
during financial emergencies
6.6 Crore lives secured in FY 23-24#
Investments in AAA rated bonds
Unlimited fund switches
to take control of your investments
Real-time NAV & fund performance
update
Explore the investment performance of HDFC Life Funds within our ULIPs, which uniquely combine life insurance protection and investment opportunities. Use the filters to select fund categories and individual funds to view their performance against benchmarks over various periods.
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Before you buy a ULIP plan you must understand the insurance and investment benefits offered by the product. ULIPs can be easily bought online in a hassle-free manner. Listed below are simple steps to be followed to buy ULIPs online.
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We'll tell you everything you need to know about ULIPs.
If the market crashes, the value of your ULIP investments tied to equity funds may decrease temporarily. However, ULIPs offer flexibility—you can switch to safer debt funds during such times to protect your money. This feature helps you adapt to market conditions and reduce risk.
Yes, most ULIPs allow you to switch between different funds (like equity, debt, or balanced funds) based on your needs. You can reallocate your investments to align with changing market conditions or personal goals. Some insurers even offer free switches up to a certain limit each year.
You have significant control over your ULIP investments. At the time of purchase, you can choose how much of your premium goes into equity, debt, or balanced funds. Later, you can adjust these allocations through fund-switching options provided by the insurer.
If you stop paying premiums, your life cover ends immediately, and your funds are moved to a discontinued policy fund earning fixed returns until the 5-year lock-in period ends. You can revive the policy within 3 years by paying all due premiums to restore life cover. If not revived, the policy terminates, and you receive the fund value after the lock-in period without any life insurance benefits. ULIPs do not have a paid-up option with reduced benefits after premium discontinuance.
ULIPs do have charges like premium allocation, fund management, Switching, Mortality, Surrender or Discontinuation and administration fees. To minimize costs, opt for direct plans instead of regular ones—they typically have lower charges because they cut out intermediary commissions. Additionally, staying invested for the long term reduces the impact of initial charges.
Yes, many ULIPs allow partial withdrawals after completing a lock-in period of five years. These withdrawals can be used for emergencies or specific financial goals like education or medical expenses. However, frequent withdrawals might affect your overall returns.
Most ULIPs let you increase your investment through top-up premiums. Top-ups are additional contributions beyond your regular premium, which get allocated to your chosen funds. This is useful if you want to boost your savings during financially stable times.
Insurers provide regular statements showing the value of your investments, fund performance, and charges deducted. Many companies also offer online portals or mobile apps where you can monitor your ULIP’s progress in real-time. Keep an eye on Net Asset Value (NAV) updates for accurate insights.
If you’re not satisfied with the performance of a particular fund, you can switch to another fund offered by your ULIP provider. Most insurers allow multiple switches per year, often free of cost or at a nominal fee. Review your fund choices periodically and make adjustments to align with your financial goals.
Reviewed by Life Insurance Experts
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.
Life Insurance Coverage is available in this product. The unit linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in unit linked insurance products completely or partially till the end of fifth year. Unit Linked Funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved. The premium shall be adjusted on the due date even if it has been received on advance.
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
** The past 5 year fund performance of HDFC Life Discovery Fund (SFIN: ULIF06618/01/18DiscvryFnd101) as on 30th November 2024. The benchmark taken into consideration here is is Nifty Mid Cap 100 which as a return of 26.77% as on 30th November 2024. HDFC Life Discovery Fund is available with HDFC Life ULIPs which comes with a life cover. Please note past fund performance is not indicative of future performance.
~As per https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/about-us/pdf/media-centre/press-release/2024/Jun-2024/HDFC-Life-Assets-Under-Management.pdf
#As per https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/about-us/pdf/investor-relations/financial-information/annual-reports/integrated-annual-report-fy-2023-2024.pdf
^ 17 Fund Options available with HDFC Life Click 2 Wealth (UIN: 101L133V03)
ARN: MC/05/25/23383
