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Salient Features

  • Unit-linked, non-participating life insurance and investment (ULIP) plan.

  • Choose from 14 fund options across equity, debt, and balanced asset classes.

  • Flexible premium payment options, including Single Pay, Limited Pay, and Regular Pay.

  • Five benefit options to suit different protection and investment needs.

  • Loyalty Additions of up to 1.8% from the 10th policy year onwards, subject to the policy terms.

  • Reduced premium allocation charges for higher premium investments.

  • Market-linked returns based on the performance of the selected funds.

  • Death benefit payable as the highest of the Sum Assured, Fund Value, or 105% of the total premiums paid, subject to the selected benefit option.

  • Maturity benefit payable as the Fund Value, either as a lump sum or in instalments, as per the chosen option.

  • Option to enhance protection with Accidental Death Benefit and Waiver of Premium benefits.

  • Flexibility to switch funds, redirect future premiums, and make partial withdrawals, subject to the policy terms.

  • Tax benefits may be available on premiums paid and benefits received under the applicable provisions of the Income Tax Act, 1961, subject to the prevailing tax laws.

    T&C Apply.

Know More About HDFC Life Sampoorn Nivesh Plus

About HDFC Life Sampoorn Nivesh Plus

HDFC Life Sampoorn Nivesh Plus is a Unit Linked, Non-Participating Individual Life Insurance Savings Plan that combines life insurance protection with market-linked investment opportunities. The plan offers multiple fund options and flexible benefit choices to help you build long-term wealth while safeguarding your family's financial future. It also provides the flexibility to customise your premium payment, investment strategy, and payout options based on your financial goals.

Loan Benefits

Plan Benefits

The plan offers five benefit options, allowing you to choose the combination of life insurance protection and investment benefits that best suits your financial needs.

 

  • Classic Benefit (Life Option): In the event of the Life Assured's demise during the policy term, the nominee receives the highest of the Sum Assured, Fund Value (after partial withdrawals, if any), or 105% of the total premiums paid, subject to the policy terms.

  • Classic Benefit (Extra Life Option): In addition to the life cover, this option provides an Accidental Death Benefit, offering enhanced financial protection.

  • Classic Plus Benefit: Provides an enhanced death benefit equal to the higher of the Sum Assured or the accumulated Fund Value, or 105% of the total premiums paid, as applicable.

  • Classic Waiver Benefit: On the death of the Life Assured, the Sum Assured is paid immediately, while all future premiums are waived, allowing the investment fund to continue growing.

  • Classic Waiver Plus Benefit: Combines the benefits of life insurance protection with a waiver of future premiums, helping the investment continue without interruption.

  • Maturity Benefit: On survival until maturity, you will receive the accumulated Fund Value, based on the performance of the selected investment funds.

 
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Additional Benefits

  • Loyalty Additions: Eligible policies receive Loyalty Additions of up to 1.8% from the 10th policy year onwards, subject to the policy terms.

  • Reduced Premium Allocation Charges: Higher premium investments may qualify for lower premium allocation charges.

  • Investment Flexibility: Enjoy the flexibility to switch funds, redirect future premiums, and make partial withdrawals, subject to the applicable policy terms and conditions.

  • Minimal Medical Requirements: Selected plan options may be available with minimal medical requirements, subject to underwriting.

  • Tax Benefits: Tax benefits on premiums paid and benefits received may be available under the applicable provisions of the Income Tax Act, 1961, subject to the prevailing tax laws.

 
Repayment terms

Eligibility

The eligibility criteria vary depending on the benefit option selected.

  • Entry Age: From 30 days up to 65 years, depending on the chosen benefit option.

  • Maturity Age: Up to 85 years, subject to the selected plan option.

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