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(A Unit Linked Non Participating Life Insurance Plan)

UIN No: 101L103V02

In this policy, the investment risk in 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 policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

You have certain financial goals for your family which may vary as you progress from one life stage to another. Therefore your investments also have to be actively managed to meet those goals and also ensure that you are protecting your family financially. We understand this and therefore are glad to offer HDFC Life Sampoorn Nivesh, an insurance plus investment plan designed specifically with multiple fund options so as to help you optimize your investment. Furthermore, it also provides you with varied benefit options to meet your protection needs.

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key attractions

Reducing Allocation Charges

Allocation charges are reduced 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

Comprehensive Plan Options

Choice of 3 benefit options to suit your financial requirements

Loyalty Additions

Loyalty Additions to enhance your fund value after 10 years

Eligibility

  • Entry Age:

    • Min:

      • Classic (Life) Option : 30 days*

      • Classic (Extra Life) Option : 18 years

      • Classic Plus Option : 30 days*

      • Classic Waiver Option : 18 years

    • Max (5 pay):

      • Classic (Life) Option : 54 years

      • Classic (Extra Life) Option : 53 years

      • Classic Plus Option : 48 years

      • Classic Waiver Option : 47 years

    • Max (Other than 5 pay):

      • Classic (Life) Option : 60 years

      • Classic (Extra Life) Option : 58 years

      • Classic Plus Option : 50 years

      • Classic Waiver Option : 50 years

  • Maturity Age:

    • Min:

      • Classic (Life) Option : 18 years

      • Classic (Extra Life) Option : 28 years

      • Classic Plus Option : 18 years

      • Classic Waiver Option : 28 years

    • Max (5 pay):

      • Classic (Life) Option : 64 years

      • Classic (Extra Life) Option : 63 years

      • Classic Plus Option : 58 years

      • Classic Waiver Option : 57 years

    • Max (Other than 5 pay):

      • Classic (Life) Option : 70 years

      • Classic (Extra Life) Option : 68 years

      • Classic Plus Option : 60 years

      • Classic Waiver Option : 60 years

Benefits

Benefit Options: HDFC Life Sampoorn Nivesh provides 3 Benefit Options to choose from based on your requirement:

  • Classic

  • Classic Plus

  • Classic Waiver

Death Benefit:

  • Classic: Highest of

    • Sum Assured less all partial withdrawals,

    • Fund Value,

    • 105% of total premium(s) paid

    • Policy will terminate once the benefit is paid to the Nominee

  • Classic Plus: Higher of

    • Sum Assured plus Fund Value

    • 105% of total premium(s) paid

    • Policy will terminate once the benefit is paid to the Nominee

  • Classic Waiver: Higher of

    • Sum Assured

    • 105% of total premium(s) paid

    • PLUS Modal Premium will be payable by us to the Fund on Premium Due Date and the policy will be in force

Accidental Death Benefit: Get invaluable protection for your family through Extra Life option in case of Accidental Death*

* Accidental Death means death by or due to a bodily injury caused by an accident, independent of all other causes of death. Accident is a sudden, unforeseen and involuntary event caused by external, visible and violent means

Maturity Benefit: On survival till the end of policy term, you will receive your Fund Value as Maturity Benefit

Loyalty Additions*: Enhance your Fund Value through Loyalty Additions from 10th policy year

Reduced Allocation Charge*: Optimize your investments through Reduced Premium Allocation Charge by investing higher premium

Flexibilities:

  • Get 4 Fund Switch, 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.

*For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision.

Riders:

  • HDFC Life Income Benefit on Accidental Disability Rider (UIN - 101B013V03): A benefit equal to 1% of Rider Sum Assured per month for the next 10 years, in case of an Accidental Total Permanent Disability. There is no maturity benefit available under this rider.

  • HDFC Life Critical Illness Plus Rider (UIN - 101B014V02): A lump sum benefit equal to the Rider Sum Assured shall be payable in case you are diagnosed with any of the 19 Critical Illnesses and survive for a period of 30 days following the diagnosis. There is no maturity benefit available under this rider.

Please refer to the respective Rider Brochures on www.hdfclife.com for more details on Riders.

Payment Options

Policy Term

Premium Payment Term

10, 15 to 25 years

  • Single

  • Limited: 5, 7 and 10 years

  • Regular: 10, 15 to 25 years

How Does It Work?

Sample Illustration:

#These assumed rates of returns are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of the policy is dependent on a number of factors including future investment performance.

^Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

Disclaimer

HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245. IRDAI Registration No. 101.

Registered Office: 13th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai - 400 011.

Email: service@hdfclife.com, Tel. No: 1860 267 9999 (Mon-Sat 10 am to 7 pm) Local charges apply. Do NOT prefix any country code. e.g. +91 or 00. Website: www.hdfclife.com

The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited ("HDFC Limited") and is used by HDFC Life under an agreement entered into with HDFC Limited.

Life Insurance Coverage is available in this product. 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: 101L103V02, Form No: P501- 2 125 ) is the name of a Unit Linked Non Participating Life Insurance Plan. HDFC Life Income Benefit on Accidental Disability Rider (UIN: 101B013V03) and HDFC Life Critical Illness Plus Rider (UIN: 101B014V02) are the names of the riders. Unit Linked Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked 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 Life Insurance Company and HDFC Life Sampoorn Nivesh is only the name of the unit linked insurance contract and 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 issued by the insurance company. The various funds offered under this contact are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Yes Bank is the Corporate Agent (IRDAI Reg. No. CA0125) of HDFC Life. Life insurance policies are underwritten by HDFC Life. Purchase of life insurance policy is voluntary. ARN: BA/01/21/22170

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.

Public receiving such phone calls are requested to lodge a police complaint.

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Documents Required

  • HDFC Life Sampoorn Nivesh - Brochure
  • HDFC Life Sampoorn Nivesh - Leaflet
  • HDFC Life Sampoorn Nivesh - Risk Benefit Charges
  • Commission Disclosure
  • HDFC Life Sampoorn Nivesh - Standard Disclaimer