HDFC Life Click 2 Achieve Par Advantage
Participating Savings + Life Insurance Plan
1. Plan Overview
Click 2 Achieve Par Advantage एक participating savings insurance plan है जो long-term wealth creation और life insurance protection दोनों प्रदान करता है। इस plan में guaranteed benefits के साथ company profit के अनुसार bonus भी मिल सकता है।
| Feature | Details |
|---|---|
| Plan Type | Participating Savings Insurance Plan |
| Entry Age | 30 Days – 60 Years |
| Maximum Maturity Age | 85 Years |
| Policy Term | 10 – 30 Years |
| Premium Payment | Regular Pay / Limited Pay |
2. Plan Structure (कैसे काम करता है)
- Policy holder policy term के दौरान premium pay करता है।
- Policy में guaranteed benefit के साथ bonus accumulate हो सकता है।
- Policy maturity पर accumulated benefits policy holder को मिलते हैं।
- Policy term के दौरान death होने पर nominee को death benefit मिलता है।
3. Key Features
- Guaranteed benefits + bonus potential
- Life insurance protection
- Long-term wealth creation
- Flexible premium payment options
- Loan facility available
- Tax benefits under Income Tax rules
4. Premium Payment Options
- Regular Pay – Policy term तक premium
- Limited Pay – कुछ वर्षों तक premium
5. Maturity Benefit
Policy term पूरा होने पर policy holder को guaranteed maturity benefit + accumulated bonus मिल सकता है।
6. Death Benefit
अगर policy holder की policy term के दौरान death हो जाती है, तो nominee को Sum Assured + accumulated bonus मिल सकता है।
7. Loan Facility
Policy में surrender value बनने के बाद policy holder policy के against loan ले सकता है।
8. Tax Benefits
- Section 80C – Premium deduction
- Section 10(10D) – Maturity / Death benefit tax free (conditions apply)
9. Example Illustration
| Age | Annual Premium | Policy Term | Benefit |
|---|---|---|---|
| 35 Years | ₹50,000 | 20 Years | Guaranteed maturity benefit + bonus |
10. Who Should Buy This Plan
- Long term wealth creation चाहने वाले
- Guaranteed savings + bonus benefit चाहने वाले
- Family financial protection चाहने वाले
- Future financial goals planning करने वाले
Disclaimer: Insurance is the subject matter of solicitation. Please read policy documents carefully before purchasing.