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Why HDFC Life Sampoorn Nivesh?

A Unit Linked Non Participating Life Insurance Plan for your financial protection needs

  • Choose from 10 funds to optimize your investment returns

  • Customize your premium payment options – Single, Limited or Regular

  • Choose from 3 convenient Benefit options to customize your payouts

  • Get Loyalty Additions3 of up to 1.8% of the average fund value after 10th policy year onwards

  • Reduced premium allocation charge on investing higher premium amount1

  • Avail Tax Benefit as per Income Tax Act, 19612

     

  • Choose from 10 funds to optimize your investment returns

  • Customize your premium payment options – Single, Limited or Regular

  • Choose from 3 convenient Benefit options to customize your payouts

  • Get Loyalty Additions3 of up to 1.8% of the average fund value after 10th policy year onwards

  • Reduced premium allocation charge on investing higher premium amount1

  • Avail Tax Benefit as per Income Tax Act, 19612

     

  1. Available for premium of ₹ 1 lakh & above for limited & regular premium payment options and ₹ 10 lakh & above for single premium payment option
  2. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws
  3. Loyalty addtions for Single premiums policies shall be payable at the end of every policy year from year 10 to 14 (both inclusive). For limited and regular premium payment policies, loyalty Additions will be added to the fund value every alternate year starting from the end of 11th policy year.
  1. Available for premium of ₹ 1 lakh & above for limited & regular premium payment options and ₹ 10 lakh & above for single premium payment option
  2. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws
  3. Loyalty addtions for Single premiums policies shall be payable at the end of every policy year from year 10 to 14 (both inclusive). For limited and regular premium payment policies, loyalty Additions will be added to the fund value every alternate year starting from the end of 11th policy year.

What makes this plan a must-have

You have the flexibility to choose your options and benefits.

Select your core objective for the insurance cover and view the benefits

  • Classic Benefit (Life Option)
  • Classic Benefit (Extra Life Option)
  • Classic Plus Benefit Option
  • Classic Waiver Benefit Option

Classic Benefit

(Complete death and maturity benefits)

Maturity Benefit:

  • Your policy matures at the end of the policy term you have chosen and all your risk cover ceases.
  • You may redeem your balance units at the then prevailing unit price and take the fund value.

  • You can also take your fund value at maturity in periodical instalments.

  • Disclaimer:

    For complete details, please read the Product brochure

Death Benefit:

  • In case of the Life Assured's unfortunate demise, we will pay the higher of the following: 

    • Sum Assured less all partial withdrawals1
    • Fund Value
    • 105% of total premium(s) paid

  • The policy will terminate thereafter and no more benefits will be payable.

  • Disclaimer:

    1. All partial withdrawals made during the two year period immediately preceding the death of the Life Assured
    For complete details, please read the Product brochure

Other Benefits:

  • Loyalty Additions: Enhance your Fund Value through Guaranteed Loyalty Additions from 10th policy year1.

  • Reduced Allocation Charges: Optimize your investments through Reduced Premium Allocation Charge by investing higher premium2.

  • Get 4 Fund Switches, Premium Redirection and Partial Withdrawal each absolutely free in a policy year.

  • This plan can be availed by filling short medical questionnaire, which may not require you to go for medicals.

  • Tax Benefit: Avail Tax Benefit as per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

  • Disclaimer:

    1. Loyalty addtions for Single premiums policies shall be payable at the end of every policy year from year 10 to 14 (both inclusive). For limited and regular premium payment policies, loyalty Additions will be added to the fund value every alternate year starting from the end of 11th policy year.
    2. On paying a higher premium amount. Available for premium of ₹ 1 lakh & above for limited & regular premium payment options and ₹ 10 lakhs & above for single premium payment option.

    For complete details, please read the Product brochure

Talk to an Advisor

Check Eligibility Criteria

Before buying HDFC Life Sampoorn Nivesh

ELIGIBILITY CRITERIA

Eligibility Criteria  Plan Options  Minimum  Maximum (5 pay)  Maximum 

(Other than 5 pay) 

ENTRY AGE 

Classic (Life) Option 

 0 years (30 days)1

56 years

65 years

65 years MATURITY AGE 

18 years 

85 years

85 years

ENTRY AGE 

Classic (Extra Life) Option 

18 years 

53 years 

58 years 

MATURITY AGE 

28 years 

63 years 

68 years 

ENTRY AGE 

Classic Plus Option 

0 years (30 days)1

48 years 

50 years 

MATURITY AGE 

18 years 

58 years 

60 years 

ENTRY AGE 

Classic Waiver Option 

18 years 

49 years

52 years

MATURITY AGE 

28 years 

69 years

85 years

For non-annual modes the applicable maximum entry age and maturity age limit shall be less than 2 years of the corresponding age limits for annual mode as mentioned above 

  1. For all ages, risk commences from the date of inception of the contract

Customize your cover with these riders

Riders in insurance have an important part in contingency planning. A ULIP is incomplete without them.
  • icon

    HDFC Life Income Benefit on Accidental Disability Rider

    UIN: 101B013V03

    Get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.

    DOWNLOAD
  • icon

    HDFC Life Critical Illness Plus Rider

    UIN: 101B014V02

    We pay a lump sum amount equal to the Sum Assured upfront if diagnosed with of any of the specified critical illnesses

    DOWNLOAD
  • icon

    HDFC Life Protect Plus Rider

    UIN: 101B016V01

    Get protected with a proportion of Rider Sum Assured in case of accidental death or partial/total disability due to accident or diagnosed with Cancer

    DOWNLOAD
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The values shown here are only for illustration. The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.

Disclaimers

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.

For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. HDFC Life Sampoorn Nivesh ( UIN No : 101L103V03 , Form No:P501-125 )is the name of the Unit linked plan. 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. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Sampoorn Nivesh (UIN No : 101L103V03 , Form No:P501-125 ) is only the name of the unit linked life insurance contract. HDFC Life Income Benefit on Accidental Disability Rider (UIN: 101B013V03, Form no. R501-21-01) and HDFC Life Critical Illness Plus Rider (UIN: 101B014V02, Form no. R501-23-01) are the names of the riders. 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.

T&C*

  1. On paying a higher premium amount. Available for premium of 1 lakh & above for limited & regular premium payment options and 10 lakhs & above for single premium payment option

ARN - ED/04/22/28479