HDFC Life Sanchay Aajeewan Guaranteed
Guaranteed Income Savings Plan
1. Plan Overview
Sanchay Aajeewan Guaranteed एक savings insurance plan है जो long term guaranteed income देने के लिए बनाया गया है। इस plan में limited premium payment के बाद policy holder को regular guaranteed income मिल सकती है।
2. Entry Age
| Minimum Age | Maximum Age |
|---|---|
| 30 Days | 60 Years |
3. Maximum Maturity Age
Maximum maturity age: 85 Years
4. Policy Term
| Minimum Term | Maximum Term |
|---|---|
| 10 Years | 40 Years |
5. Premium Payment Options
- Single Pay – एक बार premium
- Limited Pay – कुछ वर्षों तक premium
- Regular Pay – पूरी policy term तक premium
6. Minimum Premium
| Premium Mode | Minimum Premium |
|---|---|
| Yearly | ₹30,000 approx |
| Half Yearly | ₹15,000 approx |
| Quarterly | ₹7,500 approx |
| Monthly | ₹2,500 approx |
7. Guaranteed Income Benefit
Policy holder को policy term के दौरान guaranteed income मिलती है।
- Regular guaranteed income
- Income frequency – yearly / half yearly
- Long term financial stability
8. Maturity Benefit
Policy maturity पर policy holder को Guaranteed maturity benefit मिलता है।
9. Death Benefit
Policy holder की death होने पर nominee को Sum Assured या accumulated benefit मिलता है।
10. Example Illustration
| Age | Premium | Policy Term | Total Investment |
|---|---|---|---|
| 35 Years | ₹1,00,000 yearly | 20 Years | ₹20,00,000 |
Estimated guaranteed income and maturity benefit policy structure पर depend करता है।
11. Tax Benefits
- Section 80C – Premium deduction
- Section 10(10D) – maturity benefit tax free (conditions apply)
12. Advantages
- Guaranteed income
- Low risk savings plan
- Financial security
- Long term wealth planning
13. Disadvantages
- Returns moderate होते हैं
- Liquidity limited होती है
- Short term investment के लिए suitable नहीं
Disclaimer: Insurance is the subject matter of solicitation. Please read policy documents carefully before purchasing.