HDFC Life Sanchay Par Advantage
Participating Savings + Life Insurance Plan
1. Plan Overview
Sanchay Par Advantage एक participating savings insurance plan है जो long term wealth creation और life insurance protection प्रदान करता है। इस plan में guaranteed benefits के साथ company performance के अनुसार bonus भी मिल सकता है।
| Feature | Details |
|---|---|
| Plan Type | Participating Savings Insurance Plan |
| Entry Age | 30 Days – 60 Years |
| Maximum Maturity Age | 85 Years |
| Policy Term | 10 – 40 Years |
| Premium Payment | Single Pay / Limited Pay / Regular Pay |
2. Plan Structure (कैसे काम करता है)
- Policy holder policy term के दौरान premium pay करता है।
- Policy में guaranteed benefits के साथ bonus accumulate हो सकता है।
- Policy maturity पर policy holder को maturity benefit + bonus मिल सकता है।
- Policy term के दौरान death होने पर nominee को death benefit मिलता है।
3. Key Features
- Guaranteed benefits + bonus potential
- Life insurance protection
- Long term wealth creation
- Flexible premium payment options
- Policy loan facility available
- Tax benefits available
4. Premium Payment Options
- Single Pay – एक बार में पूरा premium
- Limited Pay – कुछ वर्षों तक premium
- Regular Pay – policy term तक premium
5. Maturity Benefit
Policy term पूरा होने पर policy holder को guaranteed maturity benefit के साथ accumulated bonus मिल सकता है।
6. Death Benefit
अगर policy holder की policy term के दौरान death हो जाती है, तो nominee को Sum Assured + accumulated bonus मिल सकता है।
7. Loan Facility
Policy में surrender value बनने के बाद policy holder policy के against loan ले सकता है।
8. Tax Benefits
- Section 80C – Premium deduction
- Section 10(10D) – Maturity / Death benefit tax free (conditions apply)
9. Example Illustration
| Age | Annual Premium | Policy Term | Benefit |
|---|---|---|---|
| 35 Years | ₹1,00,000 | 20 Years | Guaranteed maturity benefit + bonus |
10. Who Should Buy This Plan
- Long term wealth creation चाहने वाले
- Guaranteed savings + bonus benefit चाहने वाले
- Family financial protection चाहने वाले
- Future financial planning करने वाले
Disclaimer: Insurance is the subject matter of solicitation. Please read policy documents carefully before purchasing.