HDFC Life Click 2 Achieve
Guaranteed Savings + Life Insurance Plan
1. Plan Overview
Click 2 Achieve एक non-linked non-participating savings plan है जो guaranteed benefits और life insurance protection प्रदान करता है। यह plan long term financial goals जैसे education planning, retirement planning और future savings के लिए बनाया गया है।
| Feature | Details |
|---|---|
| Plan Type | Guaranteed Savings Insurance Plan |
| Entry Age | 30 Days – 55 Years |
| Maximum Maturity Age | 85 Years |
| Policy Term | 10 – 30 Years |
| Premium Payment | Single Pay / Limited Pay |
2. Plan Structure (कैसे काम करता है)
- Policy holder कुछ वर्षों तक premium pay करता है।
- Policy term के अंत में guaranteed maturity benefit मिलता है।
- Policy term के दौरान death होने पर nominee को death benefit मिलता है।
3. Key Features
- Guaranteed maturity benefit
- Life insurance protection
- Flexible premium payment options
- Policy loan facility
- Tax benefits available
4. Premium Payment Options
- Single Pay – एक बार में पूरा premium
- Limited Pay – 5 – 12 वर्षों तक premium
5. Maturity Benefit
Policy term पूरा होने पर policy holder को guaranteed maturity amount मिलता है जो long term financial planning में मदद करता है।
6. Death Benefit
अगर policy holder की policy term के दौरान death हो जाती है, तो nominee को नीचे दिए गए amount में से जो अधिक होगा वह मिलता है:
- Sum Assured
- 105% of total premium paid
7. Loan Facility
Policy में surrender value बनने के बाद policy holder policy के against loan ले सकता है।
8. Tax Benefits
- Income Tax Act Section 80C – Premium deduction
- Section 10(10D) – Maturity / Death benefit tax free (conditions apply)
9. Example Illustration
| Age | Annual Premium | Premium Term | Maturity Benefit |
|---|---|---|---|
| 35 Years | ₹50,000 | 10 Years | Guaranteed maturity benefit after policy term |
10. Who Should Buy This Plan
- Long term savings करने वाले
- Future financial goals plan करने वाले
- Low risk guaranteed returns चाहने वाले
- Life insurance protection के साथ savings चाहने वाले
Disclaimer: Insurance is the subject matter of solicitation. Please read policy documents carefully before purchasing.