HDFC Life Capital Guarantee Solution

HDFC Life Capital Guarantee Solution is a perfect blend of security and growth, which offers you a financial solution that guarantees your capital while offering attractive returns. This unique insurance product offers you a guarantee on your invested capital, ensuring that you receive at least the amount you invested, regardless of market fluctuations. This plan also offers you the opportunity to participate in the growth of the equity markets, enabling your investment to benefit from potential market upswings.

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About HDFC Life Capital Guarantee Solution Plan

HDFC Life Capital Guarantee Solution is the combination of a Unit Linked Insurance Plan (ULIP) and a Guaranteed Return Plan. The plan offers a guaranteed maturity benefit, which means that you will receive the full amount of your premiums paid, plus additional benefits when the policy matures. Additionally, your investment will also grow over time with the potential to earn higher returns than traditional debt funds.

Key Features of HDFC Life Capital Guarantee Solution

The key features of the HDFC Life Capital Guarantee Plan are as follows:

  • Guaranteed Capital Protection: The plan provides you a 100% guarantee on the invested capital, ensuring that you receive at least the amount you initially invested, regardless of market fluctuations.

  • Attractive Market-Linked Returns: While prioritizing capital protection, this plan also aims to generate attractive returns on your investment.

  • Flexibility in Investment Term: You have the flexibility to choose among investment terms in the range of 5 to 40 years.

  • Flexible-Premium Payment Options: You can choose to pay your premiums annually, semi-annually, quarterly, or monthly. You have the flexibility to choose between Single Pay, Limited Pay, and Regular Pay premium payment options that suit your needs and preferences.

  • Range of Rider Benefits: The HDFC Life Capital Guarantee Solution plan offers a range of riders, such as critical illness coverage and accidental death benefit.

  • Lock-in Period: There is a 5-year lock-in period for the premiums, which means that you cannot withdraw your money during this time.

  • Inbuilt Life Cover: Your loved ones will be financially protected in the event of your death.

  • Free Switches: HDFC Life Capital Guarantee Solution gives you the flexibility to transfer your money between 10 different funds to maximize your returns. You can make up to 4 free switches in each policy year.

  • Partial Withdrawals: You can withdraw up to 60% of the market-linked fund value from your HDFC Life Capital Guarantee Solution policy after 5 years.

  • Short Medical Questionnaire (SMQ): If you meet the conditions, you will only need to complete a Short Medical Questionnaire (SMQ). Otherwise, you will need to undergo full underwriting.

Benefits of HDFC Life Capital Guarantee Solution

Let us learn the major benefits of purchasing an HDFC Capital Guarantee Solution Plan:

  • 100% Guaranteed Returns: Full return on your invested capital is guaranteed. This provides you with peace of mind and protection against market fluctuations.

  • High Return on Investment: The plan aims to generate attractive returns on your investment, allowing you to grow your wealth over time.

  • Flexibility: You have the flexibility to choose the investment term that suits your needs and goals, providing you with a personalized investment strategy.

  • Profit from Market-Linked Assets: By participating in the growth of the equity markets, you can benefit from potential market upswings, maximizing your returns.

  • Tax Benefits: Tax benefits are provided under Section 80C and Section 10(10D) of the Income Tax Act 1961.

As we have learnt the features and benefits of a Capital Guaranteed Solution Plan, in the next section, let us understand the details of one of the best capital guarantee solution plan offered by HDFC Life.

HDFC Life Sampoorn Nivesh Plan

HDFC Life Sampoorn Nivesh is a Capital Guarantee Plan that combines the benefits of both a Guaranteed Return Plan and a ULIP Plan. 

  • The entry age is between 18 years to 63 years.

  • The plan offers you the flexibility to choose the policy term between 10 – 35 years for the Single Pay option and 80 – Entry Age for the Limited and Regular Pay option

  • You get the option to choose from 10 ULIP funds

  • 4 free switches are provided in a policy year

  • The plan also offers Accidental Death Benefit Rider benefit

  • You can choose from various benefit options: Classic Benefit Life Option, Classic Benefit Extra Life Option, Classic Plus Benefit, and Classic Waiver Benefit

  • You are also provided Loyalty Additions from the 10th policy year that increases your fund value

  • Limited underwriting norms with Short Medical Questionnaire (SMQ) are available, in which you may be able to qualify for the plan even if you have a pre-existing medical condition.

Eligibility Criteria for HDFC Life Capital Guarantee Solution Plan

The eligibility criteria for the HDFC Life Capital Guarantee Solution plan are as follows:

  • Age: The minimum age for entry into the plan is 18 years, and the maximum age is 55 years.

  • Premium Amount: Annually Rs. 12,000 – No Limit

  • Sum Assured: The minimum Sum Assured is 1.25 times to 4 times of Single Premium for the Single Premium option and 7 times to 10 times of Annualised Premium for Limited and 

  • Maturity Benefit: You will get an assured maturity benefit of 100% of the total premiums paid, even if the market value of your investments falls.

  • Loyalty Additions: You will get loyalty additions from the end of the 6th policy year onwards.

How HDFC Life Capital Guarantee Solution Plan Works? 

Let us learn the working of the HDFC Capital Guarantee Solution from the steps mentioned below:

Step 1: Fill in the following details in the HDFC Life Capital Guarantee Solution Plan Proposal Form as per your financial strategy-

  • Choose your sum assured

  • Decide on your premium

  • Select your policy term

  • Pick your premium payment term

  • Choose your benefit option

  • Select your investment fund(s) and portfolio strategy

Step 2: Your premium will be invested in the funds you select, in the proportions you specify.

Step 3: At the end of the policy term, you will receive the accumulated value of your funds.

Step 4: The benefit you receive will depend on the benefit option you choose from-

  • Classic Benefit Life Option

  • Classic Benefit Extra Life Option

  • Classic Plus Benefit

  • Classic Waiver Benefit

Exclusions of HDFC Capital Guarantee Solution 

There are a few exclusions under the HDFC Life Capital Guarantee Solution Plan. These exclusions are as follows:

  • Suicide: The policy will not pay any benefits if the policyholder commits suicide within 12 months of the policy commencement date.

  • War and Nuclear Hazard: The policy will not pay any benefits if the policyholder dies because of war, nuclear hazard, or any act of terrorism.

  • Pre-Existing Conditions: If the policyholder has any pre-existing medical conditions, the policy may not pay any benefits if the policyholder dies as a result of those conditions.

  • Claims Arising Out of Inherent Vice: The policy will not pay any benefits if the policyholder dies as a result of inherent vice, which is a defect in the product or service that is not covered by the policy.

  • Claims Arising Out of Wilful Misconduct: The policy will not pay any benefits if the policyholder dies as a result of their own wilful misconduct.

Documents Required to Buy HDFC Capital Guarantee Solution Plan

To purchase HDFC Life Capital Guarantee Solution Plan, you may be required to provide the following documents:

Particulars Documents Required
Identity Proof (Any One)
  • Aadhaar Card
  • PAN Card
  • Passport
  • Voter ID Card
  • Driver's License
Address Proof (Any One)
  • Utility Bill (electricity, water, gas)
  • Bank Statement
  • Ration Card
  • Rental Agreement
Age Proof (Any One)
  • Birth Certificate
  • School Leaving Certificate
  • Passport
  • PAN card
Income Proof (Any One)
  • Salary Slips
  • Income Tax Returns (ITR)
  • Bank Statements

Benefits of Buying HDFC Capital Guarantee Solution Plan from Policybazaar

Policybazaar offers you the following benefits for buying the HDFC Capital Guarantee Solution Plan:

  • Convenience: You can buy the plan online without having to visit an insurance agent.

  • Expert Advice: Policybazaar's experts can help you to understand the terms and conditions of the plan and answer any questions you may have.

  • Competitive Prices: Policybazaar offers competitive prices on the HDFC Capital Guarantee Solution Plan.

  • Easy Claim Settlement: Policybazaar makes it easy to file a claim, and their agents will help you to get your claim settled as quickly as possible.

  • Dedicated Assistance: On buying a policy from Policybazaar, you get dedicated assistance at the time of maturity.

FAQ's

  • What is HDFC Capital Guarantee Solution?

    HDFC Capital Guarantee Solution Plan is a mix of ULIP and Guaranteed Return Plan. It is designed to offer individuals the assurance of protecting their invested capital while also aiming to generate attractive returns.
  • What is a Capital Guarantee Solution?

    A capital guarantee solution is a financial product that aims to protect the initial invested capital while offering the potential for growth or returns on investment. It provides investors with the assurance that their principal amount will be safeguarded, regardless of market fluctuations or economic uncertainties.
  • What is the Guaranteed Monthly Income Plan of HDFC?

    HDFC Life Insurance offers a guaranteed monthly income plan known as HDFC Life Sanchay Plus. It is a non-linked, non-participating traditional insurance plan designed to provide a regular income stream along with life insurance coverage.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
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HDFC Life Capital Guarantee Solution Reviews & Ratings

4.1 / 5 (Based on 26 Reviews)
(Showing Newest 10 reviews)
Raju
, September 02, 2021
Proactive helpdesk
While purchase HDFC Life Click 2 Protect Life plan from policy bazaar, I wanted to check the policy specifications. As soon as I contacted the helpdesk, the executive resolved my queries and sent the policy brochure to my email for future reference. Such a proactive team highly impressed with them.
Arjun
Adoor, March 19, 2019
A good retirement plan
As said “Easy comes, easy go” therefore i choose to invest in HDFC Life ULIP Plans. As per company plans it will pay higher than the fund value of all premium paid. I found HDFC Life ULIP Policy attractive and a good retirement plan.
Ravi
Mishrpur, September 21, 2016
Good
I found nice ulip insurance policy which i took from hdfc standard life insurance. Premium of the policy is very less. Payback is very good and the policy coverage is high. Claiming process is easy and amount is good after maturity of insurance policy.
Vikram
Korba, August 22, 2016
ULIP Plan
The ulip insurance plan of mine is fantastic which has low premium and come's in less investment too. The hdfc life insurance is the best terms and conditions which facilitates me many benefits. The policy coverage is high approx. 90% and easy online renewal is possible with online portal.
Mukesh
Gurgaon, May 06, 2016
best service
overall best service good conversation with the financial adviser...
Rohit
Raipur, April 15, 2016
Fantastic plan
My ulip policy plan is really nice, i.e., HDFC standarad life insurance. It has good benefits and services. Policy coverage is 89% and claims are around 39 L. Service is very good and fast that's why the work is done in very shot time period. I like it.
Sandeep
Jalpaiguri, April 15, 2016
Perfect
I have ulip plan from hdfc standard life insurance. The plan works for me. Policy coverage is also good with claiming amount of Rs.41 L. Service provided by you is awesome and fabulous with fast interface. Good future investment.
Harish
Chattarpur, April 15, 2016
Better Plan
My ulip policy plan is from hdfc standard life insurance and the policy is the best because the policy has many benefits like the accident insurance is inbuilt in this policy. Policy coverage is high 89% and the premiums are low. Claims are 1.25 times of the investment. The service is fast and very quick. Great job guys.
Ishant
Pondicherry, April 15, 2016
Above Average
The hdfc life ulip plan policy i have and happy to own it. The policy coverage is 81% and the claims are normal. Services are little bit slow provided by the staff members. Good future investment which saves tax also. Just improve the services and even the web services are better. Good Work.
Umakant
Karnal, April 15, 2016
Manageable
Policy premiums are low and the claims are high. HDFC ulip policy plan facilitate the people provide good response. One of my friend introduced this company for insurance. Getting reminders regularly and sum assured is double. Accidental and risk coverage is there. Good service by executives. I like it.
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