HDFC Life Click 2 Wealth
ULIP Investment + Life Insurance Plan
1. Plan Overview
Click 2 Wealth एक Unit Linked Insurance Plan (ULIP) है जिसमें Life Insurance Protection और Market Investment दोनों मिलते हैं। यह plan long term wealth creation और retirement planning के लिए बनाया गया है।
2. Entry Age
| Minimum Entry Age | Maximum Entry Age |
|---|---|
| 30 Days | 60 Years |
3. Maximum Maturity Age
Normal maturity age: 75 Years
Golden Years option में: 99 Years तक cover मिल सकता है।
4. Policy Term
| Minimum Term | Maximum Term |
|---|---|
| 10 Years | 40 Years |
5. Premium Details
| Premium Mode | Minimum Premium |
|---|---|
| Yearly | ₹12,000 |
| Half-Yearly | ₹6,000 |
| Quarterly | ₹3,000 |
| Monthly | ₹1,000 |
Maximum premium: No Limit
6. Sum Assured
- Age below 50 → 7 × Annual Premium
- Age above 50 → 5 × Annual Premium
- Single Premium → लगभग 1.25 × premium
7. Plan Options
- Invest Plus Option – Wealth creation focus
- Premium Waiver Option – Death होने पर future premium company pay करेगी
- Golden Years Benefit Option – Retirement planning और life cover 99 years तक
8. Investment Fund Options
- Equity Fund
- Bluechip Fund
- Balanced Fund
- Bond Fund
- Opportunities Fund
Investor अपनी risk profile के अनुसार fund choose कर सकता है।
9. Fund Switching
इस plan में Free Fund Switching available है। Investor market condition के अनुसार funds change कर सकता है।
10. Lock-in Period
ULIP rules के अनुसार इस plan में 5 Years Lock-in Period होता है।
11. Partial Withdrawal
5 साल पूरे होने के बाद policy holder जरूरत पड़ने पर policy से partial withdrawal कर सकता है।
12. 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।
13. Maturity Benefit
Policy term पूरा होने पर policy holder को Total Fund Value मिलती है।
14. Charges
- Premium Allocation Charge – Nil
- Policy Administration Charge – Nil
- Switching Charge – Nil
- Partial Withdrawal Charge – Nil
- Fund Management Charge – 0.80% – 1.35%
- Mortality Charge – Age के अनुसार
15. Example Illustration
| Age | Annual Premium | Policy Term | Total Investment |
|---|---|---|---|
| 35 Years | ₹1,00,000 | 20 Years | ₹20,00,000 |
Estimated fund value:
- 4% return → ₹30 lakh approx
- 8% return → ₹45-50 lakh approx
16. Tax Benefits
- Section 80C – Premium deduction
- Section 10(10D) – Maturity benefit tax free (conditions apply)
17. Advantages
- Insurance + investment दोनों
- Multiple fund options
- Free fund switching
- Long term wealth creation
- Retirement planning option
18. 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.