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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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


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

*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.
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^^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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