HDFC Life Launches Click2Invest - ULIP

This one of a kind plan is quite cost effective as it invests 100% of the premium and only charges fund management fee HDFC Life, India’s popular life insurance company in online term space recently launched Click2Invest - ULIP, a specialized online Unit Linked Insurance plan that provides not only financial protection but also a variety of investment options.

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  • 4.8~ Rated
  • 7.7 Crore Registered Consumer
  • 50 Partners Insurance Partners
  • 4.2 Crore Policies Sold

ULIP Plans

  • Plan starting from ₹1,000/month
  • Save upto ₹46,800 in Tax under section 80C^
  • Zero LTCG Tax
  • In built life cover
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7.7 Crore
Registered Consumer
50
Insurance Partners
4.2 Crore
Policies Sold

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We are rated~
rating
7.7 Crore
Registered Consumer
50
Insurance Partners
4.2 Crore
Policies Sold
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

This pioneer plan is very cost effective as it invests 100% of the premium and only charges fund management fee (1.35%) and a risk premium for mortality cover. On this aspect, it gives tough competition to ELSS Mutual funds & at the same time keeps all the flexibilities offered by ULIPs. Click2Invest provides the option of eight funds for investment keeping in mind the market behavior, time horizon, and most importantly the needs of the customer.

IRDA brought up its customer focused regulatory changes by implementing Charge Cap regulations in 2010 making ULIPs cost efficient compared to earlier versions and now HDFC Life has taken a bigger leap by launching Click2Invest. After gaining leadership in the online term category, the company realized the need to launch a savings plan that will enhance the investment made by the customer. Click2Invest aims to pass on all advantages of investment and insurance to customers thereby allowing them to become informed and benefited customers.

This plan also offers the benefit of premium payment options of Single Pay, 5 Pay, 7 Pay, 10 Pay or Regular Pay. The important thing to remember is that the overall charge structure in this plan is such that 100% of your premium is invested in the funds chosen by you. There are no policy administration and discontinuance charges. Charges include only FMC @ 1.35% p.a of your fund value and mortality charge depending upon the age and level of cover which in the long run reduces as your fund grows and invariably help you in creating wealth.

Other key features of this plan include:

Premium Payment options of

Single

Limited: 5 years, 7 years, 10 years

Regular: same as your policy term

Minimal Charges

Premium allocation charge – Nil. 100% of your premiums are invested

Policy administration charge – Nil

Policy Discontinuance charge – Nil

Fund Management Charge – 1.35% p.a. of the fund value charged regularly

Mortality Charge – levied every month for offering you death benefit in your policy depending upon the age and level of cover. This charge will be taken by subtracting units proportionately from each of the fund(s) you have opted for

Choosing from a range of 8 fund options

Tax exemption under Sec 80C and Sec 10(10D) of IT Act, 1961, and offers the benefit of EEE structure wherein no tax is levied on the maturity amount

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^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
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
~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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Insurers Offering ULIPs

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Aditya Birla Sun Life

Bajaj Allianz

Max Life

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ICICI Prudential

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Edelweiss Life

Kotak Life

Future Generali

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Aviva

Bandhan Life

Canara HSBC

IDBI Federal

IndiaFirst

Pramerica Life

Reliance Life

Sahara Life

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Star Union

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Ulip Plans Insurance Reviews & Ratings
3.5 / 5 (Based on 10 Reviews)
(Showing Newest 10 reviews)
Binod
Kolkata, December 07, 2024
Thanks for policy bazar also with dedicated claims team and thanks to aashish sharma
We glad to inform you.policy bazar is a great platform for our support for all . It's dedicated team are support me for a claim judgement like a magic.Also Mr aashish sharma & claim team are very helpful they feel our problem like a family. So ,my request any need for future plan for our family kindly discuss with her team. Thanks Aashish Sharma jee with team. Regards Binod shaw
No
Hyderabad, April 14, 2024
Poor customer service
Nerver turn up. Ask reminder from us. Inspite of reminding. No action on requirement. Bad experience. Regretting selecting HDFC life insurance.
Ramesh
Bengaluru, March 26, 2024
HDFC LIFE SANCHAY PAR ADVANTAGE
I have HDFC LIFE SANCHAY PAR policy, which was sold to me by a HDFC official by giving all misleading and wrong information which he had got in his laptop. Annual premium is Rs 5 lakhs for six years. Total fraud. This is year end, so be careful. The agents come with all bogus promises to reach their annual targets. Don't fall into the trap. You will be losing your money for sure.
Deeak
Mumbai, March 25, 2024
Pathetic service
I had to change the nominee these guys are pathetic after confirming 48 hrs am still awaiting the documents ita 4 weeks horrible one of the worst companies, they are extremely incompetent. Please don't buy this shit there support is pathetic and I tell u this with utmost responsibility.
Ranjeeta
Delhi, March 20, 2024
Rude Insurance Expert
Disappointed talking with full of arrogance and rude Insurance expert- Priyanka Kaushik After many attempts could able to talk to her, during the call she was constantly rude in her replies, giving reply after asking 3-4 times the same thing She wasn't interested in listening to the queries and just wanted us to buy a 3-4 crores plan in a few minutes, I tried to sustain her during the call with her arrogance but couldn't. When asked to speak slow, she replied I am already so alow Normally I finish the call so fast and I understand that you are not getting things what I am telling you -OMG whats that attitude! I hope the call is recorded. Absolutely not recommended this expert as She definitely doesn't respect our hard-earned money
Ranjeeta
Delhi, March 20, 2024
Beware of this Insurance agent / so called expert
Disappointed talking with full of arrogance and rude Insurance expert- Priyanka Kaushik After many attempts could able to talk to her, during the call she was constantly rude in her replies, giving reply after asking 3-4 times the same thing She wasn't interested in listening to the queries and just wanted us to buy a 3-4 crores plan in a few minutes, I tried to sustain her during the call with her arrogance but couldn't. When asked to speak slow, she replied I am already so alow Normally I finish the call so fast and I understand that you are not getting things what I am telling you -OMG whats that attitude! I hope the call is recorded. Absolutely not recommended this expert as She definitely doesn't respect our hard-earned money
Satvik
Mumbai, March 06, 2023
Smooth UX
The hierarchy, colors, and design patterns are great.
NEHA
Delhi, April 12, 2022
Best Service
This is one of the best service I have received till now. I have informed the agent about my requirements and have been guided in a detailed way about the policy. I mean seeking guidance than just a sales call is what is more preferable, hence I would love to recommend the service from Policybazaar.
HARI
Delhi, March 26, 2022
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GAURI
Delhi, March 08, 2022
excellent customer support
I purchased term policy from HDFC LIFE on PolicyBazaar . In my view it was a simple online transaction .Later I discovered it was not so simple and insurance company had many checks and scrutiny points. Medicals, remedicals, old investigation reports, explanations , bla..bla.bla.. I was tired and almost ready to give up but thanks to Rohit Singh, Employee code :PW25488 , I could go through with this cumbersome procedure and eventually policy was issued. I would specially like to Thank Rohit for excellent customer support and follow up and guidance . He called me up on daily basis to check on status of pending documents, reminded me of medical test appointments . He also apprised me continuously on the current status of policy and next steps due. Had it not been for Rohit, I would have lost interest and motivation to go through with the process. I am really happy and satisfied with the customer support I got .
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