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HDFC Click2Invest Policy Review & Details

Discussion in 'Life insurance' started by real_buzz, Sep 17, 2015.

  1. real_buzz Moderator

    HDFC Life Click2Invest is a unit lined equity life insurance policy or aka ULIP. It is an online Unit Linked Plan in India that offers you market linked returns, charges you minimally, provides your family with valuable financial protection and best meets your investment needs.

    Features of HDFC Life Click2Invest Policies
    Zero charge structure*
    8 fund options to choose from as per your investment style
    Premium Payment options of
    Limited: 5 years, 7 years, 10 years
    Regular: same as your policy term
    Flexibility to choose your policy term from 5 to 20 years
    Tax Benefits2 under Section 80C and Sec 10(10D) of Income Tax Act 1961

    *Fund Management charge & Mortality charge applicable.
    hdfc click2invest funds.jpg hdfc click2invest eligibility.jpg Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.
    Maturity Benefit:
    On survival till the end of policy term, you will receive your Fund Value as Maturity Benefit.

    Death Benefit:
    In case of the Life Assured’s unfortunate demise, we will pay to the nominee the highest of the following:

    Sum Assured,
    Fund Value,
    105% of the premium(s) paid.
    The policy will terminate thereafter and no more benefits will be payable.

    Premium allocation charge – Nil. 100% of your premiums are invested.
    Policy administration charge – Nil.
    Fund Management Charge – 1.35% p.a. of the fund value charged daily.
    Mortality Charge – levied every month for providing you with the death benefit in your policy. This charge will be taken by cancelling units proportionately from each of the fund(s) you have chosen
    Discontinuance charge – Nil. Please note it is always advisable to pay premiums for the full premium paying term and stay invested for the full policy term in order to enjoy maximum benefits.

    You can invest in a combination of funds by allocating your fund between 8 different fund options

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