HDFC Life C2I -N- Sanchay Fixed Maturity Plan

Risk Factors: 

• Unit linked insurance product are different from the traditional product and are subjects to the risk factor. 

• The premiums paid in unit liked insurance policies are subject to investment risk associated with the capital market and NAVs of the unit may go up or down based on the performance of the funds and the factors influencing the capital market and insured are responsible for his/her decisions. HDFC Life Insurance Company Limited is the name of our Insurance Company and “HDFC Life Click 2 Invest - ULIP” is only the name of the Unit Linked Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. 

• Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by insurance company. 

• The various funds offered under this contract are the names of fund and do not in any way indicate the quality of this plans, their future prospects and returns. 
  
  

Tax Benefits: Tax Benefits may be available as per prevailing tax laws. You are requested to consult your tax advisor. 

Cancellation in the Free-Look period: 

In case the policyholder is not agreeable to any policy terms and conditions under this product, the policyholder shall have the option of returning the policy to us stating the reasons thereof, within 15 days from the date of receipt of the policy, as per IRDAI (Protection of Policyholders’ Interests) Regulations, 2017. If the policyholder has purchased the policy through the Distance Marketing mode, this period will be 30 days. On receipt of the letter along with the original policy document, we shall refund the premium, subject to deduction of the proportionate risk premium for the period on cover, the expenses incurred by us for medical examination (if any) and stamp duty (if any) 

Alterations: 

 Change of Premium Payment Frequency is allowed. Such alteration will be in accordance with the Board approved underwriting policy. 

1. What is capital guarantee of C2I and Sanchay FMP combo. 

A capital guarantee solution is a specific form of investment plan that is designed to protect your capital on one hand and earn high returns on the other. A part of the premium you pay is invested in market-linked funds like equity, bonds, etc. to yield high returns while the other portion goes to a safe investment in a non-linked plan that protects your capital. 

2. Is the capital guarantee plan good? 

The capital guarantee plan is good for people who seek a safe investment and yet look for high returns. Here the guaranteed return of the capital is peace of mind for them, while a diverse portfolio of investment minimizes risk to bring potentially high returns. The flexibility to choose the premium payment term, policy plan and investment portfolio based on your goals, investment horizon and risk tolerance makes the capital guarantee solution a worthy pick. 

3. Should you invest in combo solution? 

You can always invest in a capital guarantee solution if you are looking for long-term investment and are willing to earn higher returns. This is a worry-free investment as you will always get back the principal you invested in the plan. Alongside this, a diversified portfolio will add returns to your maturity benefit, balancing the risk of investment with guaranteed returns. 

4. Is capital guarantee combo plan is suitable for everyone? 

A capital guarantee plan is suitable for those who want to secure their capital first and then go for lower gains compared to high-risk investments. Here the 100% return of the principal amount is guaranteed, while the investment in market-linked funds through a diversified portfolio will yield returns at a minimized risk. 

5. What are maturity benefits under this Plan? 

The maturity benefit of a capital guarantee plan includes a dual benefit of 100% return of the total premiums paid along with gains from the investment in market-linked funds (if any). 

HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245. IRDAI Registration No. 101.

Registered Office: 13th Floor, LodhaExcelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai - 400 011.

Email: service@hdfclife.com, Help line: 1860-267-9999 (Local charges apply) |.022-68446530 (STD charges apply) Available Mon-Sat 10 am to 7 pm IST. DO NOT prefix anycountry code e.g. +91 or 00. | Website: www.hdfclife.com.

The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited ("HDFC Limited") and is used by HDFC Lifeunder an agreement entered into with HDFC Bank Limited.

HDFC Life Sanchay Fixed Maturity Plan (UIN:101N142V05) is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. Life Insurance Coverage is available in this product

HDFC Life Click 2 Invest - ULIP (UIN: 101L100V05) is a unit linked non participating life insurance plan. Life Insurance Coverage is available in this product

This advertisement is designed for combination of Benefits of two or more individual and separate products named HDFC Life Click 2 Invest - ULIP - 101L100V05 which is a Unit Linked Non-Participating Life Insurance Plan and HDFC Life Sanchay Fixed Maturity Plan - 101N142V05 which is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan offered by HDFC Life. These products are also available for sale individually without the combination offered / suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale. 

In Unit Linked Policies, The Investment Risk In The Investment Portfolio Is Borne By The Policy Holder. The Unit Linked Insurance Products Do Not Offer Any Liquidity During The First Five Years Of The Contract. The Policy Holder Will Not Be Able To Surrender Or Withdraw The Monies Invested In Unit Linked Insurance Products Completely Or Partially Till The End Of Fifth Year

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.

Public receiving such phone calls are requested to lodge a police complaint.

HDFC Bank Limited (IRDAI Registration No: CA0010) is the Corporate Agent of HDFC Life Insurance Company Limited and does not underwrite the risk or act as an insurer. HDFC Bank Limited, HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400 013. Participation by the Bank’s clients in the Insurance products is purely on a voluntary basis. The contract of Insurance is between HDFC Life and the Insured and not between HDFC Bank and the Insured.This policy is underwritten by HDFC Life Insurance Company. Registered Office: 13th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai - 400011. The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited ("HDFC Limited") and is used by HDFC Life under an agreement entered into with HDFC bank Limited. 

HDFC Life Sanchay Fixed Maturity Plan (UIN:101N142V05) is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. Life Insurance Coverage is available in this product 

HDFC Life Click 2 Invest - ULIP (UIN: 101L100V05) is a unit linked non participating life insurance plan. Life Insurance Coverage is available in this product.