HDFC Life Click 2 Invest
ULIP Investment + Life Insurance Plan
1. Plan Overview
Click 2 Invest एक Unit Linked Insurance Plan (ULIP) है जिसमें life insurance protection और market investment दोनों मिलते हैं। यह plan long term wealth creation और financial planning के लिए बनाया गया है।
2. Entry Age
| Minimum Entry Age | Maximum Entry Age |
|---|---|
| 18 Years | 65 Years |
3. Maximum Maturity Age
Maximum maturity age: 75 Years
4. Policy Term
| Minimum Term | Maximum Term |
|---|---|
| 10 Years | 30 Years |
5. Premium Details
| Premium Mode | Minimum Premium |
|---|---|
| Yearly | ₹25,000 |
| Half Yearly | ₹12,500 |
| Quarterly | ₹6,250 |
| Monthly | ₹2,100 approx |
Maximum Premium: No limit
6. Investment Fund Options
- Equity Fund
- Balanced Fund
- Debt Fund
- Bluechip Fund
- Opportunities Fund
Investor अपनी risk profile के अनुसार fund choose कर सकता है।
7. Lock-in Period
ULIP rules के अनुसार इस plan में 5 Years Lock-in Period होता है।
8. Fund Switching
Investor market condition के अनुसार fund switching कर सकता है।
9. Partial Withdrawal
5 साल पूरे होने के बाद policy holder policy से partial withdrawal कर सकता है।
10. Death Benefit
Policy holder की death होने पर nominee को मिलेगा:
- Sum Assured
- Fund Value
- 105% of total premium paid
इनमें से जो ज्यादा होगा वही दिया जाएगा।
11. Maturity Benefit
Policy term पूरा होने पर policy holder को Total Fund Value मिलती है।
12. Charges
- Premium Allocation Charge
- Policy Administration Charge
- Fund Management Charge
- Mortality Charge
13. Example Illustration
| Age | Annual Premium | Policy Term | Total Investment |
|---|---|---|---|
| 35 Years | ₹1,00,000 | 20 Years | ₹20,00,000 |
Estimated fund value:
- 4% return → ₹28–30 lakh approx
- 8% return → ₹45–50 lakh approx
14. Tax Benefits
- Section 80C – Premium deduction
- Section 10(10D) – Maturity benefit tax free (conditions apply)
15. Advantages
- Insurance + investment दोनों
- Market linked growth
- Fund switching facility
- Long term wealth creation
16. Disadvantages
- Market risk involved
- 5 years lock-in period
- Returns guaranteed नहीं
- Short term investment के लिए suitable नहीं
Disclaimer: Insurance is the subject matter of solicitation. Please read policy documents carefully before purchasing.