HDFC Life Sampoorn Nivesh Plus
ULIP Investment + Life Insurance Plan
1. Plan Overview
Sampoorn Nivesh Plus एक ULIP (Unit Linked Insurance Plan) है जिसमें Insurance protection और Market investment दोनों मिलते हैं। यह plan long term wealth creation के लिए बनाया गया है।
2. Entry Age
| Minimum Entry Age | Maximum Entry Age |
|---|---|
| 30 Days | 60 Years |
3. Maturity Age
Maximum maturity age: 75 Years
4. Policy Term
| Minimum Term | Maximum Term |
|---|---|
| 10 Years | 40 Years |
5. Premium Details
| Premium Mode | Minimum Premium |
|---|---|
| Yearly | ₹24,000 |
| Half Yearly | ₹12,000 |
| Quarterly | ₹6,000 |
| Monthly | ₹2,000 |
Maximum Premium: No limit
6. Premium Payment Options
- Regular Pay – पूरी policy term तक premium
- Limited Pay – कुछ वर्षों तक premium
- Single Pay – एक बार premium
7. Investment Fund Options
- Equity Fund – Stock market investment (High risk – High return)
- Balanced Fund – Equity + Debt mix
- Debt Fund – Low risk stable investment
8. Lock-in Period
इस ULIP plan में 5 years lock-in period होता है। इस अवधि के पहले पैसा withdraw नहीं किया जा सकता।
9. Partial Withdrawal
5 साल पूरे होने के बाद policy holder जरूरत पड़ने पर policy से partial withdrawal कर सकता है।
10. Death Benefit
अगर policy holder की death हो जाती है तो nominee को मिलेगा:
- Sum Assured
- Fund Value
- 105% of total premium paid
इनमें से जो amount ज्यादा होगा वही दिया जाएगा।
11. Maturity Benefit
Policy term पूरा होने पर policy holder को Total Fund Value मिलती है। यह amount market performance पर depend करता 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 (illustration):
- 4% return – लगभग ₹29-30 लाख
- 8% return – लगभग ₹45-50 लाख
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
- Partial withdrawal option
- Long term wealth creation
16. Disadvantages
- Market risk involved
- 5 years lock-in period
- Various charges apply
- Short term investment के लिए suitable नहीं
17. Who Should Buy This Plan
- Long term investors
- Child education planning
- Retirement planning
- Insurance + investment चाहने वाले
Disclaimer: Insurance is the subject matter of solicitation. Please read policy documents carefully before purchasing.