HDFC Life Sampoorna Nivesh Plan

Every person has some definite financial goals for him and his family, which may differ while progressing from one stage of life to the other. Therefore it is important for anyone to manage his investments so that he could meet his desired goals and remain ensured that his family is financially protected in difficult times. HDFC Life Insurance Company on understanding this has gladly launched HDFC Life Sampoorna Nivesh Plan.

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This is a unique investment cum insurance plan which has been explicitly designed with various fund options that will help one to optimize his investments. Moreover, it also provides him with multiple benefit options for meeting the protection needs and requirements.

HDFC Life Sampoorna Nivesh Plan Details:

Parameters  Details 
Policy Tenure 10, 15 - 25 years
Premium Paying Term
  • Single Limited: 5, 7 and 10 years
  • Regular: 10, 15 to 25 years
Premium Paying Mode Monthly, Half-yearly, Quarterly, & Yearly

Entry Age

Classic Life Option
Min: 0 years Max (5-Pay): 54 years Max (Other than 5-Pay): 60

Classic Plus Option
Min: 0 years Max (5-Pay): 48 years Max (Other than 5-Pay): 50

Classic Extra Life Option
Min: 18 years Max (5-Pay): 53 years Max (Other than 5-Pay): 58

Classic Waiver Option
Min: 18 years Max (5-Pay): 47 years Max (Other than 5-Pay): 50

Maturity Age

Classic Life Option
Min: 18 years Max (5- Pay): 64 years Max (Other than 5-Pay): 70

Classic Plus Option
Min- 18 years Max (5-Pay): 58 years Max (Other than 5-Pay): 60

Classic Extra Life Option
Min: 28 years Max (5-Pay): 63 years Max (Other than 5-Pay): 68

Classic Waiver Option
Min- 28 years Max (5-Pay): 57 years Max (Other than 5-Pay): 60
Grace Period Monthly Mode-15 days Other Modes: 30 days 
Sum Assured Depends on the premium payment term, age, and the annualized premium amount
Liquidity  There is no loan facility under this plan.

People also read: HDFC Life Midcap Momentum Fund

Benefits of HDFC Life Sampoorna Nivesh Policy

The following are the key benefits offered by HDFC Life Sampoorna Nivesh Policy:

  1. Maturity Benefit

    The insurance policy reaches maturity after the policy term as chosen by the policyholder. He may cash his leftover balance units at the prevailing unit price at that point in time and get the Fund Value. He may also receive his Fund Value on maturity in the form of regular instalments. Thereafter, the risk coverage will cease, and the policy shall be terminated.

  2. Death Benefit

    A lump-sum amount as Death Benefit shall be payable to the nominated person or the beneficiary on an unfortunate case of the policyholder’s demise. This benefit will be only paid if death occurs throughout the policy term and if the HDFC Life Sampoorna Nivesh Plan policy status is active. The lump-sum amount shall be higher, as mentioned below:

    • The amount of sum assured less partial withdrawals if any;
    • Fund Value, or,
    • 105% of all the premiums paid to date
  3. Accidental Death Benefit

    In a case where the insured person dies during the policy term due to an accident, an Additional Benefit equal to the Sum Assured will be paid additionally to the Death Benefit, as per conditions.

  4. Surrender Benefit

    HDFC Life Sampoorna Nivesh Plan offers you an option for surrendering the policy. One can surrender the plan only if all the due premiums are paid up to date in full. Upon reimbursement of this benefit amount, the policy shall terminate, and no further benefits will be payable in the future.

  5. Tax Benefit

    All the premiums paid for this insurance plan and the benefits received are eligible for a tax deduction as per Sec10 (10D) & Sec 80 C of the Income Tax Act, 1961.

*Tax Benefit is subject to change in tax laws

The Premium for HDFC Life Sampoorna Nivesh Plan

HDFC Life Sampoorna Nivesh premium paying modes are Half-yearly, Annually, Monthly, and Quarterly.

The Premium Paying terms are- 5,7, & 10 years (for Single Limited) and 10,15, & 25 years (for Regular ones).

The minimum premiums payable are- 

  • Rs. 24,000 (Annual mode) 
  • Rs. 12,000 (Half-yearly mode) 
  • Rs. 6,000 (Quarterly mode), and 
  • Rs. 2,000 (Monthly mode)

The maximum premium payable has no upper limit.

One can also use HDFC Life Sampoorna Nivesh calculator online for getting an idea of the premium sum amount.

People Also Read: HDFC Life Flexi Cap Fund

Additional Riders for the HDFC Life Sampoorna Nivesh Plan

  • ‘’HDFC Life Critical Illness Plus Rider’’ 
  • ’’HDFC Life Income Benefit on Accidental Disability Rider’’ 

Eligibility for the HDFC Life Sampoorna Nivesh Plan

Entry Age-

Classic Life Option:

  • Min- 0 years
  • Max (5 pay)- 54 years
  • Max (Other than 5 pay)- 60 years

Classic Plus Option:

  • Min- 0 years
  • Max (5 pay)- 48 years
  • Max (Other than 5 pay)- 50

Classic Extra Life Option:

  • Min- 18 years
  • Max (5 pay)- 53 years
  • Max (Other than 5 pay)- 58

Maturity Age- Min- 18 years, & Max- 70 years (as per the plan option)

What are the Documents Required to Buy this Policy?

Documents required to buy HDFC Life Sampoorna Nivesh policy are identity and address proofs, such as PAN card, Voter card, AADHAAR card or passport, Driving license, and income documents, like, salary statements and ITRs.

How to Buy this Plan Online?

In order to buy HDFC Life Sampoornaa Nivesh Plan online, one has to follow the steps below:

Step 1: Access the official website of Policybazaar and click on ‘Buy Now’ option.

Step 2: Enter the personal details and contact information, and click on ‘Proceed’ to get a premium quote.

Step 3: Select the plan option, premium payment term, policy term, and the amount. 

Step 4: Make the premium payment to confirm the purchase.  The policy documents will be sent to your email ID.

Exclusions of the HDFC Life Sampoorna Nivesh Plan

HDFC Life Sampoorna Nivesh reviews mention the suicide exclusion clause. If the insured person commits suicide within a year from the policy commencement date, or policy revival date, the Fund Value as on the date of death, will be handed over to the nominee. Any extra charges except those taken for FMC and guarantee charges will also be returned to the nominee.

In case of Accidental Death Benefit, if the accidental death of the insured is caused due to the following reasons, no benefit will be paid:

Suicide or attempted suicide, participation in the war, invasion, riots or terrorist activities, hazardous sports or adventure, due to alcohol or drug consumption, any criminal or unlawful activity, etc.

FAQ's

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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