As a parent, your priority is your child's future and being able to meet your child's dreams and aspirations.

Today, providing a good education, establishing a professional career or even a modest wedding is expensive. Costs are increasing fast. Just imagine how much you'll need when your child takes these important steps in life!

Plan today to ensure a bright future for your child. Start building savings today with our HDFC Children's Plan.

So that your child is able to lead a life of respect and dignity with a secured financial future.

• Invaluable financial support to your child
• A choice to customise an ideal plan for your child
• Multiple options for multiple benefits

The HDFC Children's Plan is designed to secure your child's future by giving your child (the beneficiary) a guaranteed lump sum, on maturity or in case of your unfortunate demise, early in the policy term. The premiums, paid by you, are invested by the company to give you good long-term returns.

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You have given your family the very best. And there is no reason why they shouldn't get the very best in the future too. As a judicious family man, your priority is to secure the well-being of those who depend on you. Not just for today, but also in the long term. More importantly, you have to guard your loved ones against any eventuality. How will they sustain their way of life, so lovingly built by you, in your absence?

With our HDFC Endowment Assurance Plan, you can ensure that your family remains financially independent, even if you are not around. You can ensure that they live a life of respect and dignity. Always.

• An ideal way to secure your long-term financial goals
• Valuable protection to your family by way of lump sum payment in case of your unfortunate demise within policy term
• Lump sum payment (basic Sum Assured plus any bonus additions) on survival up to maturity date
• Very flexible benefit options and payment options

In case of your unfortunate demise during the policy term, this participating ('With Profits') insurance plan will pay your family the Sum Assured (together with the attached bonuses) you had chosen.

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The HDFC Immediate Annuity is a contract that uses your capital to provide you with a guaranteed gross income through out your lifetime or over a period of your choice. The income is guaranteed and is unaffected by the rise and fall of interest rates. This means you can plan your life the way you want it to be, safe in the knowledge that your gross income will not fall during the period you have selected.

The HDFC Immediate Annuity offers a number of options to meet all your income needs.

You can choose to receive your income at times to suit your own circumstances.

• Monthly
• Every 3 months
• Every 6 months
• Once a year

The annuity can be paid in advance or arrears i.e. either at the start or the end of the payment period you have chosen.

Once you have chosen your annuity you cannot alter it or cash it in.

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You have always ensured that your loved ones keep living a respectable life with their heads held high. But life can be uncertain. As a prudent family man, you need to secure your family's future and protect your pride and your family's self respect. You need to have a plan to take care of your family if something unfortunate were to happen to you.

With our Protection Plans, you can protect your family from uncertainties in life such as your unfortunate death or critical illness. And ensure that your family lives a life of self-respect and dignity even in your absence.

• An ideal way to secure the financial future of your loved ones.
• High cover at a very nominal cost plus an option of adding optional benefits to cover for other eventualities.
• A choice of two plans depending on your requirements:
• 1. HDFC Term Assurance Plan : A pure risk cover plan, which gives you protection against the uncertainties of life.
  2. HDFC Loan Cover Term Assurance Plan : An ideal way to cover your home loan or other loan liabilities.
• Choice of premium payment options-regular premium or a single one-time premium.
• Choice of taking the plan on a single life basis or a joint life (first claim) basis.

Go ahead; ensure a life of dignity and respect for those who matter most to you.

This Plan provides a lump sum on the unfortunate death of the life assured within the policy term. If you are taking a loan to buy a house for your family, this plan can help you ensure that life's uncertainties do not affect their shelter. It is an affordable plan that has been designed to help your family repay the outstanding loan in case of your unfortunate death. The lump sum will be a decreasing percentage of the initial Sum Assured as the outstanding loan decreases as per the loan schedule, the cover under the policy also decreases as per the policy schedule.

Go ahead; blow your loan-worries away.

3 EASY STEPS TO YOUR OWN PLAN

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You have always believed in living life on your own terms. So why let the changing realities of everyday life overwhelm you and make your aspirations take a back seat? You can plan now to ensure that you have the necessary funds to meet your future financial needs.

The table below will help you identify and classify some of your financial goals. You can prioritize these goals and set your objectives accordingly (see indicative table given below).

• A proportion of the basic Sum Assured as Cash lump sums at regular 5-year intervals within the policy term (see the table given below) an ideal way to secure your long- term as well as short-term financial goals.
• A lump sum payment on survival up to maturity date.
• Valuable protection to your family by way of lump sum payment in case of your unfortunate death within the policy term. This is over and above any earlier payouts.

Making the right kind of investment will enable you to achieve your objectives-be it your immediate expenses or else securing your future financial needs. Our Money Back Plan gives you a wide range of terms and cash benefit schedules to choose from. A summary of Key Benefits including the cash lump sum payments, expressed as a percentage of Sum Assured is shown below.

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We understand your need to build a secure future for yourself. Hence, the HDFC Personal Pension Plan is an insurance policy that is designed to provide a post - retirement income for life with the freedom to choose your retirement date.

You can choose your premium, the Sum Assured and your retirement date. At the end of the policy term, you will receive the Sum Assured plus any attaching bonus, which will provide your post - retirement income.

The HDFC Personal Pension Plan is an insurance policy, which can benefit you in the following ways:

• Provides a post retirement income in your golden years
• Gives you the flexibility to plan your retirement date
• Gives you tax benefits on your premiums

The plan receives simple Reversionary Bonuses, which are usually added annually. At the end of the term an additional Terminal Bonus may be paid depending on the performance of the underlying investment.

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Inspite of your best efforts, you do not end up savings regularly for your family’s and your future. Unexpected expenses, unplanned purchases and often, sheer lack of time defeat your efforts. Don’t you wish that someone would take on the responsibility of regularly savings your money for you? Auto build your savings with HDFC Savings Assurance Plan. HDFC Savings Assurance Plan helps you conveniently build your long-term savings.

This plan offers you the following features:

• You can choose to save monthly, quarterly, half yearly or yearly as per your convenience
• The chosen amount is automatically invested from your bank account into the plan.
• You can choose to invest as little as Rs. 200 per month. And there is no limit to the maximum amount.
• No underwriting or extensive documentation required
• The annual amount you pay is eligible for tax relief under Sec. 80 C.
• The maturity amount is completely tax-free under Section 10(10 D).

This plan is a ‘with profits’ savings policy, which offers the following features :

• The policy receives simple reversionary bonuses, which are usually added annually.
• At maturity, the policy pays out the basic Sum Assured plus reversionary bonuses declared during the policy term. Interim or terminal bonus may also be payable.
• On death during the first year, a sum equal to 80% of premiums received is payable. On death after the first year and during the policy term, all premiums paid to date will be returned with compound interest calculated at 6% per annum, subject to a maximum of the sum assured plus reversionary bonuses declared till date.

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IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

You have given your family the very best. And there is no reason why they should not get the very best in the future too. With HDFC SimpliLife, you can ensure that your family remains financially independent, even if you are not around. You can ensure that they live a life of respect and dignity. Always.

HDFC SimpliLife

The HDFC SimpliLife gives:

• Valuable protection to your family in case you are not around
• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments

One you have chosen your investment fund or funds, we will then invest your premium, net of premium allocation charges in the proportion you specify. At the end of the policy term of 15 years, you will receive the accumulated value of your funds.

In case of your unfortunate demise during the policy term of 15 years, we will pay the following to your family.

• the Unit Fund Value
• plus Sum Assured of Rs. 1 Lakh

Use HDFC Standard Life’s excellent investment options to maximise your savings & secure your and your family’s future. We will assist you in providing financial security for your family in your absence.

All Unit Linked Life insurance plans are different from traditional insurance plans and are subject to different risk factors.

NOW HAVE YOUR OWN UNIT LINKED PLAN IN THE MOST SIMPLE WAY.

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HDFC Single Premium Whole Of Life Insurance Plan is a tailor-made plan well suited to meet your long-term investment needs. This participating plan offers you the following benefits:

• Whole of life plan aimed at providing long-term real growth of your money
• Single premium investment plan
• In case of your unfortunate demise during the policy term, this participating (‘With Profits’) insurance plan will pay your family the Sum Assured and compound Reversionary Bonuses, which are usually added annually. An additional Terminal Bonus may be paid depending on the performance of the underlying investments
• During Guaranteed Surrender Periods you get the Sum Assured and all bonuses vested as at the date of surrender

The plan receives simple Reversionary Bonuses, which are usually added annually. At the end of the term an additional Terminal Bonus may be paid depending on the performance of the underlying investment.

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• Valuable protection to your family in case you are not around
• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments
• Regular Loyalty Units to boost your fund value every year
• Flexible benefit combinations and premium payment options
• Flexible additional benefit options such as critical illness cover

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds.In case of your unfortunate demise during the policy term, we will pay the greater of your Sum Assured (less any withdrawals you have made in the two years before your claim) and your total fund value to your family.

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• Valuable protection to your family in case you are not around
• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments
• Regular Loyalty Units to boost your fund value every year
• Flexible benefit combinations and premium payment options
• Flexible additional benefit options such as critical illness cover

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds. In case of your unfortunate demise during the policy term, we will pay the greater of your current Sum Assured (less any withdrawals you have made in the two years before your claim) and your total fund value to your family.

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• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments
• A post retirement income for life
• Flexibility to plan your retirement date
• Freedom to invest premiums as per your preference

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds, which will be used to provide your pension income.

In the event of your unfortunate demise during the policy term, your spouse will receive a cash lump sum to help him or her manage the retirement years.

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• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments
• Regular Loyalty Units to boost your fund value every year
• A post retirement income for life
• Flexibility to plan your retirement date
• Freedom to invest premiums as per your preference

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds, which will be used to provide your pension income.

In the event of your unfortunate demise during the policy term, your spouse will receive a cash lump sum to help him or her manage the retirement years.

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• Valuable protection to your child in case you are not around
• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments
• Regular Loyalty Units to boost your fund value every year
• Flexible benefit combinations and premium payment options
• Flexible additional benefit options such as critical illness cover
• Flexible benefit payment preferences – Double Benefit and Triple Benefit

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds.

In case of your unfortunate demise during the policy term, we will:

• Pay the Sum Assured you had chosen to the beneficiary AND
• For Double Benefit continue to pay 100% of the original regular premiums towards your Policy
• For Triple Benefit continue to pay 50% of the original regular premiums towards your policy and pay the balance 50% of the premiums to the beneficiary.

This means we will continue to make savings on your behalf, in your absence. The savings can be directed 100% towards your policy or 50% towards your policy and 50% will be available for the beneficiary ‘s regular use until the original maturity date. Use HDFC Standard Life’s excellent investment options to maximise your savings and maximise your child’s achievements.

We will provide financial security for your child.

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• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments
• Freedom from tracking the market with Asset Allocation Option
• Bumper Addition of 50% of original annualised premium at vesting and on death
• Provides a post retirement income for life
• Gives you the flexibility to plan your retirement date

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds.

In the event of your unfortunate demise during the policy term, your spouse will receive a cash lump sum to help him or her manage the retirement years.

Use HDFC Standard Life's excellent investment options to maximise your savings & secure your golden years. Don't compromise on self respect, ever. Go ahead, hold your head high and enjoy life with the HDFC Unit Linked Pension II.

All Unit Linked Life insurance plans are different from traditional insurance plans and are subject to different risk factors.

HDFC Standard Life is the name of our Insurance Company and HDFC Unit Linked Pension II is the name of this plan. The name of our company and the name of our plan do not, in any way, indicate the quality of the plan, its future prospects or returns.

3 EASY STEPS TO YOUR OWN PLAN

• Choose your retirement age
• Choose the single premium you wish to invest, based on your retirement needs
• Choose the investment strategy you desire

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• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments
• Bumper Addition of 10% of initial single premium at vesting and on death
• Provides a post retirement income for life
• Gives you the flexibility to plan your retirement date

You can choose your initial single premium and the investment strategy. We will then invest your premium, net of premium allocation charges according to your chosen investment strategy. At the end of the policy term, you will receive the accumulated value of your funds including Bumper Additions if applicable, which will be used to provide your pension income.

In the event of your unfortunate demise during the policy term, your spouse will receive a cash lump sum to help him or her manage their retirement years.

Use HDFC Standard Life's excellent investment options to maximise your savings & secure your golden years. Don't compromise on self respect, ever. Go ahead, hold your head high and enjoy life with the HDFC Unit Linked Pension Maximiser II.

All Unit Linked Life insurance plans are different from traditional insurance plans and are subject to different risk factors.

HDFC Standard Life is the name of our Insurance Company and HDFC Unit Linked Pension Maximiser II is the name of this plan. The name of our company and the name of our plan do not, in any way, indicate the quality of the plan, its future prospects or returns.

3 EASY STEPS TO YOUR OWN PLAN

• Choose your retirement age
• Choose the single premium you wish to invest, based on your retirement needs
• Choose the investment strategy you desire

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• Valuable protection to your family in case you are not around
• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments
• Flexible benefit combinations and premium payment options
• Flexible additional benefit options such as critical illness cover

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds.

In case of your unfortunate demise during the policy term, we will pay the greater of your Sum Assured (less any withdrawals you have made in the two years before your claim) and your total fund value to your family.

Use HDFC Standard Life’s excellent investment options to maximise your savings & secure your and your family’s future. We will provide financial security for your family in your absence.

All Unit Linked Life insurance plans are different from traditional insurance plans and are subject to different risk factors.

HDFC Standard Life is the name of our Insurance Company and HDFC Unit Linked Endowment II is the name of this plan. The name of our company and the name of our plan do not, in any way, indicate the quality of the plan, its future prospects or returns.

4 EASY STEPS TO YOUR OWN PLAN

• Choose the premium you wish to invest.
• Choose the amount of protection (Sum Assured) you desire.
• Choose the additional plan benefits you desire.
• Choose the investment fund or funds you desire

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• An outstanding investment opportunity with choice of new exclusive funds
• Single Premium with cover till age 99 years
• Flexible options like Managers Fund
• Regular Loyalty Units to boost your fund value every year
• No medicals in case you are eligible for applying through Short Medical Questionnaire (SMQ)

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. You will receive the accumulated value of your funds at the end of the policy term.

In case of your unfortunate demise during the policy tenure, we will pay the greater of your Sum Assured (less any withdrawals as defined below) and your total fund value to your family.

Use HDFC Standard Life’s excellent investment options to maximise your savings & secure your and your family’s future. We will assist you in providing financial security for your family in your absence.

3 EASY STEPS TO YOUR OWN PLAN

• Choose the premium you wish to invest
• Choose the level of protection (Sum Assured) you desire
• Choose the investment fund or funds you desire

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• Valuable protection for you in case of critical illness
• Cover against 30 critical illnesses
• Lump sum benefit payment irrespective of actual medical cost
• Cover continues even after benefit payment on selected illnesses
• Flexible premium payment option

HDFC Critical Care Plan helps you by providing a lump sum fixed benefit incase you are diagnosed with any of the critical illnesses covered. The benefit is payable on survival for a period of 30 days post diagnosis of the critical illness. This benefit can be used to meet any financial requirements.

2 EASY STEPS TO YOUR OWN PLAN

• Choose the level of health cover you need
• Work out the premium payable along with our Financial Consultant

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As a parent, your priority is your children’s future and being able to meet their dreams and aspirations. Today, providing a good education, establishing a professional career or even a modest wedding is expensive. Costs are increasing fast. Just imagine how much you will need when your children take these important steps in life.
Plan today to ensure a bright future for your children. Start building savings today with our HDFC Unit Linked YoungStar Champion so that your child is able to lead a life of respect and dignity with a secured financial future.
Plan today to ensure a bright future for your children. Start building savings today with our HDFC Unit Linked YoungStar Champion so that your child is able to lead a life of respect and dignity with a secured financial future.

• Valuable protection to your child in case you are not around
• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments
• Bumper Addition to the fund value at maturity
• Flexible premium payment options
• No need to go for medicals. Just filling a Short Medical Questionnaire will do.

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds.
In case of your unfortunate demise during the policy term, we will:

• Pay the Sum Assured you had chosen to the beneficiary AND
• Continue to pay 50% of the original regular premiums towards your policy

This means, incase of your unfortunate demise, we will continue to pay 50% of the annualized premium you have chosen at the inception towards your policy. On maturity your beneficiary will receive the fund value plus the bumper additions, if your policy becomes eligible for bumper additions. Use HDFC Standard Life’s excellent investment options to maximise your savings & maximise your child’s achievements.
All Unit Linked Life insurance plans are different from traditional insurance plans and are subject to different risk factors.
HDFC Standard Life Insurance Company Limited is the name of our Insurance Company and HDFC Unit Linked Young Star Champion is the name of this plan. The name of our company and the name of our plan do not, in any way, indicate the quality of the plan, its future prospects or returns.

3 EASY STEPS TO YOUR OWN PLAN

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You have given your family the very best. And there is no reason why they should not get the very best in the future too. With HDFC Unit Linked Endowment Winner, you can ensure that your family remains financially independent, even if you are not around. You can ensure that they live a life of respect and dignity. Always.

• Valuable protection to your family in case you are not around
• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments
• Bumper Addition to the fund value at maturity
• Access to your accumulated fund before maturity
• No need to go for medicals. Just filling the Short Medical Questionnaire will do.

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds.
In case of your unfortunate demise during the policy term, we will:

• Pay the Sum Assured you had chosen to the beneficiary AND
• Continue to pay 50% of the original regular premiums towards your policy

You can choose your premium and the investment fund or funds. We will then invest your premium, net of premium allocation charges in your chosen funds in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds.
In case of your unfortunate demise during the policy term, we will pay the sum of

• Your Sum Assured
• And your total fund value to your family.

Use HDFC Standard Life’s excellent investment options to maximise your savings & secure your and your family’s future. We will provide financial security for your family in your absence.
All Unit Linked Life insurance plans are different from traditional insurance plans and are subject to different risk factors.
HDFC Standard Life Insurance Company Limited is the name of our Insurance Company and HDFC Unit Linked Endowment Winner is the name of this plan. The name of our company and the name of our plan do not, in any way, indicate the quality of the plan, its future prospects or returns

3 EASY STEPS TO YOUR OWN PLAN

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You have given your family the very best. And there is no reason why they should not get the very best in the future too. With HDFC SimpliLife, you can ensure that your family remains financially independent, even if you are not around. You can ensure that they live a life of respect and dignity. Always.

• Valuable protection to your family in case you are not around
• An outstanding investment opportunity by providing a choice of thoroughly researched and selected investments

Once you have chosen your investment fund or funds, we will then invest your premium, net of premium allocation charges in the proportion you specify. At the end of the policy term, you will receive the accumulated value of your funds.
In case of your unfortunate demise during the policy term, we will pay the following to your family. :

• the Unit Fund Value
• plus Sum Assured

Use HDFC Standard Life’s excellent investment options to maximise your savings & secure your and your family’s future. We will assist you in providing financial security for your family in your absence.
ALL UNIT LINKED LIFE INSURANCE PLANS ARE DIFFERENT FROM TRADITIONAL INSURANCE PLANS AND ARE SUBJECT TO DIFFERENT RISK FACTORS .
HDFC Standard Life is the name of our Insurance Company and HDFC SimpliLife is the name of this plan. The name of our company and the name of our plan do not, in any way, indicate the quality of the plan, its future prospects or returns.

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