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Why invest in HDFC Life Investment Plans?
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.3.4 lakh Crore#
Flexibility to Withdraw your investments
during financial emergencies
~5 crore Lives Insured In FY 24-25#
Investments in AAA rated bonds
Unlimited fund switches
to take control of your investments
Real-time NAV & fund performance
update
Our Top Funds with Consistent performance
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.
Benchmark Returns
HDFC LIfe Returns
No data found
Steps to Buy ULIP Plan
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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1
![Choose your investment amount]( "Choose your investment amount")
Choose your investment amount
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2
![Select your choice of funds]( "Select your choice of funds")
Select your choice of funds -
3
![Make a payment]( "Make a payment")
Make a payment -
4
![Policy Issued]( "Policy Issued")
Policy Issued
Ulip Plans - FAQ's
We'll tell you everything you need to know about ULIPs.
1
What happens to my ULIP investment if the market crashes?
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.
2
Can I change my fund allocation after starting my ULIP policy?
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.
3
How much control do I have over where my money is invested in a ULIP?
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.
4
Will I lose my life cover if I stop paying premiums for my ULIP?
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.
5
Is there any way to reduce charges in a ULIP plan?
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.
6
Can I withdraw money from my ULIP before the maturity date?
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.
7
What if I want to increase my investment later in the ULIP plan?
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.
8
How can I track the performance of my ULIP investments?
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.
9
What should I do if I’m unhappy with the fund performance of my ULIP?
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.
HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
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.
#As per https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/about-us/pdf/investor-relations/financial-information/annual-reports/integrated-annual-report-fy-2024-2025.pdf
^ 17 Fund Options available with HDFC Life Click 2 Wealth (UIN: 101L133V03)
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. 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.
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.
Unit Linked Insurance Products (ULIPS) are different from the traditional insurance products and are subject to the risk factors. The premium paid in the Unit Linked Life Insurance Policies is 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. 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.
HDFC Life Click 2 Wealth (UIN-101L133V03) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
Source: https://www.niftyindices.com/Factsheet/Factsheet_Nifty500MultifactorMQVLv50.pdf
Top 500 Multifactor 50 Fund (ULIF08219/09/25TopMF500Fd101) is available with Top 500 Multifactor 50 Fund Is available with following products HDFC Life Smart Protect Plan (UIN: 101L175V08), HDFC Life Sampoorn Nivesh Plus (UIN No: 101L180V01), HDFC Life Click 2 Wealth (UIN-101L133V03), HDFC Life Click 2 Invest (UIN: 101L178V01)
HDFC Life Smart Protect Plan (UIN: 101L175V08) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
HDFC Life Sampoorn Nivesh Plus (UIN No: 101L180V01) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
HDFC Life Click 2 Invest (UIN: 101L178V01) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
ARN: ED/09/25/26556