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HDFC Life Click 2 Wealth is a unit-linked, non-participating individual life insurance savings plan that combines life insurance protection with investment in market-linked funds. The plan offers three options: Invest Plus, Premium Waiver and Golden Years Benefit. Customers can select an eligible premium payment structure and allocate their investment across available funds according to their objectives and risk tolerance. The policy provides facilities such as fund switching, premium redirection and systematic withdrawals, subject to the policy terms. A special addition equivalent to 1% of eligible premium is described for the first five policy years, while the return of eligible mortality charges is subject to the applicable option and conditions. The maturity benefit is based on the fund value, so the final amount depends on market performance and applicable charges rather than a guaranteed rate of return.
Choose from multiple investment funds, three benefit options and flexible fund-management facilities.
Click 2 Wealth may suit investors who want long-term market-linked investment with life insurance protection and are comfortable with fluctuations in fund value. Invest Plus focuses on wealth accumulation, Premium Waiver is designed to maintain future premium funding after the covered death of a separate proposer, and Golden Years Benefit is structured for life cover up to age 99 under the applicable terms. Unlimited free fund switches and premium redirection can provide flexibility in managing allocations. However, the product is not a guaranteed-return savings plan, and the policyholder bears investment risk. Charges, fund choices, premium commitments and the five-year restriction on withdrawals or surrender should be reviewed before buying. The mortality-charge return and special additions are conditional features, not a substitute for evaluating the full policy illustration. Compare the policy wording, benefit option and alternative investment or protection products before committing.
HDFC Life
Key Insights
Founded
2000
HDFC Life was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99.72% CSR, calculated as a 3-year average
HDFC Life settles 99.72% of all claims it receives, demonstrating strong credibility.
Contact Details
1860-267-9999
Headquarters: 13th Floor, Lodha Excelus, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra, 400011
The current HDFC Life product page lists 23 fund options for policyholders to consider.
Confirm the current fund list and each fund’s investment objective before allocating money.
Invest Plus is the wealth-creation option, providing life cover and a maturity benefit based on the accumulated fund value.
Fund value depends on investment performance and applicable charges.
Under this option, the proposer is different from the life assured. On the proposer’s covered death, eligible future premiums are paid by the insurer under the policy terms.
Review proposer and life-assured eligibility and the precise waiver conditions.
This option is designed to provide life cover up to age 99 under the applicable policy terms, with a limited premium-paying structure.
Entry age, premium term and other eligibility rules apply.
The product describes a special addition equal to 1% of eligible premium allocated to the fund during the first five policy years.
For single premium policies, the addition is described at inception; check the current brochure for full details.
Provides an additional income benefit for qualifying total permanent disability caused by an accident, subject to the rider contract.
UIN 101A038V01. Confirm current availability and compatibility with the selected policy option.
Provides specified benefits for covered accidental death, disability or cancer events according to the selected rider provisions.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
HDFC Life plans and claim process
It is a unit-linked, non-participating individual life insurance savings plan that combines life cover with investment in market-linked funds.
The current HDFC Life product page lists UIN 101L133V03. Verify the UIN on the brochure and policy document applicable to your purchase.
No. It is a ULIP. The fund value depends on market performance and applicable charges, and investment returns are not guaranteed.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC Life website before purchasing.
Official Website
hdfclife.com
Visit the official HDFC Life website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
UIN 101A037V01. Separate rider premiums, definitions and exclusions apply.
The plan offers Invest Plus, Premium Waiver and Golden Years Benefit options. The chosen option has its own benefits, conditions and charges.
The proposer and life assured are different people. If the proposer dies in circumstances covered by the policy, eligible future premiums are paid by the insurer so the policy can continue under its terms.
It is designed to provide life cover up to age 99 under the applicable policy terms. It can also support systematic withdrawals from the accumulated fund, subject to the policy conditions.
The current HDFC Life product page lists 23 fund options. Check the latest brochure and fund list before making your allocation.
The product describes an addition equal to 1% of eligible premium allocated to the fund during the first five policy years. Single-premium policies have a specific inception allocation rule.
Eligible mortality charges may be returned to the fund value under the applicable option and conditions. The feature has exclusions, particularly for certain Premium Waiver circumstances.
Yes. The plan offers unlimited free fund switching under its stated terms. Switching changes your investment allocation but does not guarantee a profit.
Partial withdrawals are restricted during the first five policy years. After that, age and minimum remaining fund-value conditions apply.
No. The official product information states that policy loans are not available under this plan.
The maturity benefit is based on the fund value at maturity, subject to the policy terms. It is not a guaranteed amount because the fund value depends on investment performance and charges.
HDFC Life lists riders such as Income Benefit on Accidental Disability and Protect Plus. Confirm current availability, compatibility, cost and exclusions before adding a rider.
It may suit people seeking long-term market-linked investment alongside life cover who understand investment risk and can maintain the policy commitment. Compare charges, liquidity restrictions and alternative products before purchasing.