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HDFC Life Sanchay Plan

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HDFC Life Click 2 Protect 3D Plus

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HDFC Life Classic Assure Plus

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HDFC Life Sanchay Plus Plan

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HDFC Life Sanchay Plan

Life is full of responsibilities and as a responsible individual you aspire to build a financially secured life for your loved ones. Guaranteed Returns helps you to fulfill your responsibility with ease. Presenting HDFC Life Sanchay, a non-participating insurance plan, that offers guaranteed benefits along with flexibility to choose your investment horizon.



HDFC Life Click 2 Protect 3D Plus

HDFC Life Click 2 Protect 3D Plus is a online term insurance plan that offers comprehensive security at an affordable price. 3D stands for the three uncertainties that we face at some point in time, i.e. Death, Disability and Disease.
Avail this award winning term plan” and secure your family.

HDFC Life Classic Assure Plus

There are few things that come with guarantees in life. No wonder you do wish for an investment cum insurance plan that offers guaranteed benefit while letting your money grow. All to help you in achieving the lifestyle you desire and live life sar utha ke!


HDFC Life Sanchay Plus Plan

Life becomes more meaningful with the achievement of personal milestones which you have planned for. But these milestones are often accompanied by added responsibilities, expenses and the burden of any uncertainty happening.
We do our best to ensure that the financial security is achieved through meticulous planning for key life stages such as marriage, parenthood, retirement, etc. Life Insurance plan can help you achieve such goals whilst safeguarding the family’s future against the unforeseen events.



Key Benefits of HDFC Life All Plans

Maturity Benefits:

Immediate Income option: The maturity benefit is equal to Sum Assured on Maturity plus accrued Cash Bonuses (if not paid earlier), plus interim Survival Benefit (if any), plus Terminal Bonus (if declared)

Where, Sum Assured on Maturity is total Annualized Premium payable under the policy during the premium payment term.

Please refer Product Brochure for details on Cash Bonus & Interim Survival Benefit

Survival Benefit:

Immediate Income option: The policyholder would be eligible to receive Cash Bonus (if declared) at the end of each Policy Year and payable from the 1st  policy year until death or end of policy term, whichever is earlier.

Cash Bonus payable = Cash Bonus Rates Annualized Premium.

Please refer Product Brochure for details on Cash Bonus Rate.

Deferred Income option: The policyholder will start receiving Guaranteed Income plus discretionary Cash Bonuses (if declared) in arrears one year after the end of Premium Payment Term.

Cash Bonus payable = Cash Bonus Rate x Annualized Premium

Guaranteed Income is expressed as Guaranteed Income Rate x Annualized Premium

Guaranteed Income Rate will be known to you at inception. Guaranteed Income would be payable for 25 years or Policy Term minus (Premium Payment Term + 1) years, whichever is lower, subject to your survival during this period.

For more details  , please refer Product Brochure.

  • Provide financial protection to you and your family at an affordable cost
  • Customize your plan with a choice of 9 plan options
  • All future premiums are waived on Accidental Total Permanent Disability( available under all options) and on diagnosis of Critical Illness (Available with 3D Life and 3D Life Long Protection options)
  • Protect yourself for whole of life with lifelong protection option
  • Flexibility to choose your policy and premium payment terms
  • Life Stage Protection feature offers to increase insurance cover on certain key milestones without medicals
  • Flexibility to increase your cover every year through top-up option
  • Special premium rates for female lives
  • Attractive premium rates for non-tobacco users
  • Tax benefits* as per prevailing tax laws

A. Maturity Benefit
On survival till the maturity date and on full payment of premiums due
throughout the premium paying term, you will receive the Sum Assured
plus accrued bonuses.

B. Death Benefit
On death of the life assured, provided all due premiums are paid, we would
pay the highest of the following
Sum Assured
 10 times annualized premium
 105% of the premiums³ paid.
plus accrued bonuses if any to the nominee.
We will terminate the policy on payment of the maturity or death benefit.

C. High Sum Assured Discount
For policies with a Sum Assured of  10 Lakh and more, a discount of 5%
would be offered on the basic premium (i.e. excluding policy fee and any
underwriting extra premium).

D. Policy Loan
Once your policy has acquired the surrender value, you may avail of a policy
loan up-to 80% of the surrender value of your policy subject to applicable
terms and conditions. Our current terms and conditions are stated below:

  • The loan will only be given on an enforce policy
  •  The policyholder should be at least 18 years of age at the time of requesting the loan;
  •  The interest rate on loan is 14% p.a.;

Maturity Benefit: 

This option pays you a maturity benefit in the form of Guaranteed Income for fixed term of 10 or 12 years upon payment
of all due premiums and life assured surviving the policy term.

On the maturity date, you shall have an option to receive the Guaranteed Sum Assured on Maturity, which under this option, shall be the present value of future payouts, discounted at a rate of 9% p.a. This interest rate is not guaranteed. However, any change in the interest rate will be subject to prior approval of the Authority and will be applicable only to the policies sold after the date of change. At any point of time during the Payout Period, you shall have an option to receive the future income as a lump sum, which shall be the present value of future payouts, discounted at a rate which is computed using the prevailing interest  rates.
On death of the Life Assured during the Payout Period, the nominee shall continue receiving Guaranteed Income as per Income Payout Frequency & benefit option chosen till the end of Payout Period. The nominee shall have an option to receive the future income as a lump sum, which shall be the present value of future payouts, discounted at a rate which is computed using the prevailing interest rates.

Death Benefit:
In case of death of Life Assured during the policy term, the death benefit equal to Sum Assured on Death plus
Accrued Guaranteed Additions shall be payable to the nominee.
Sum Assured on Death is the highest of:

  • 10 times the Annualized Premium, or
  •  105% of Total Premiums paid, or
  •  Guaranteed Sum Assured on Maturity, or
  •  an absolute amount assured to be paid on death, which is equal to the Sum Assured.
  • Sum Assured shall be equal to the applicable Death Benefit Multiple times the Annualized Premium. The applicable Death Benefit Multiples are specified below.
  • Upon the payment of the death benefit, the policy terminates and no further benefits are payable.

how can we help you?

At The Singhania groups, it is our pleasure to provide you great customer experience. In case you require assistance, we have created multiple ways to reach out to us and We commit to resolving your queries to your satisfaction.

The Singhania Groups really helped us achieve our goals. Our fast and efficient services meets our customers needs at single platform.

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Vidhi Agarwal
Co-founder , The Singhania Groups

The Singhania Groups Provides various customer’s services at a single platform.

Education Loan

An education loan is a sum of money borrowed to finance college or other school-related expenses. Payments are often deferred while students are in school and for a six-month grace period after graduation.

Finance & Accounting Services
  • Finance & Accounts, Tax (Direct & indirect), Fixed Assets Management
  • Reconciliation – parties, banks and inter countries
Systematic Investment Plan

Systematic Investment Plan is an investment strategy wherein an investor needs to invest the same amount of money in a particular mutual fund at every stipulated time period.

Stock Market,Commodity and currency

The Singhania groups provides demat A/c services and Annually portfolio Management according to their research and portfolio Management technique.

Insecure Loans

The Singhania Groups provides an unsecured loan taken by individuals from a bank or a NBFC to meet their personal needs. It is provided on the basis of key criteria such as income level, credit and employment history, repayment capacity, etc.

Goverment Bonds

A government bond is a type of debt-based investment, where you loan money to a government in return for an agreed rate of interest. Governments use them to raise funds that can be spent on new projects or infrastructure

Auditing Services
  • Statutory Audits & Tax Audits
  • Internal Audits
  • Compliance Audits
  • System Audits
Business Loans

A business loan is an unsecured form of credit designed to cover various expenditures in a business. Borrowers need not mortgage any asset to avail funds.

All Products of HDFC Life