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HDFC Life Pension Super plus Plan Review

Discussion in 'Life insurance' started by real_buzz, Dec 12, 2012.

  1. real_buzz Moderator

    HDFC Life Pension Super plus Plan Review
    You are thinking about retirement as a time when you would start relaxing, travelling, pursuing your interests - full time. You want to enjoy your retirement on your own terms. All of these are possible only if you have assurance of income after retirement. Investing in a pension plan is a way to financially secure your life - after retirement.
    HDFC Life Pension Super Plus is a unit linked pension plan designed to build a corpus during the policy term so that you can enjoy post retirement income for life.
    Advantages
    • Benefit of Assured Maturity (Vesting) Value - At the end of the policy term, you will receive higher of the following
      • Fund Value or
      • Assured benefit of 101% of all premiums including top-up premiums paid till date
    • Your maturity (vesting) benefit will be used to provide you with guaranteed regular income i.e. an annuity, which you have to purchase from us.
    • Opportunity to build corpus for post retirement income - Your premium will be invested in exclusive fund which will allocate assets dynamically between equities and fixed income assets.
    • Benefits on maturity (vesting) - At vesting, you have to purchase an annuity from us. You can choose from a range of annuity options. You will get guaranteed income for life for yourself and your spouse. You also have the option to commute up to 1/3rd of the benefit at vesting tax free.
    • Benefit on death - In the event of demise during the policy term, your nominee will receive the death benefit which will provide the much needed financial assistance.
    • Additional allocation of premium from 11th year onwards - Get benefit from staying invested for longer term with Premium Allocation Rate of 102.5% from 11th year onwards

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