HDFC Life Sanchay Plus Investment Plan: The great thing about life is that as we achieve our personal goals, our responsibilities and expenses also increase. Important turning points like marriage, children, and retirement come into life, and with them comes the need for a good financial plan. But have you ever wondered what will happen to your savings amid these big expenses? What if an unwanted crisis comes?
Here we will tell you about a plan that can remove these worries of yours. HDFC Life Sanchay Plus—Yes, this is the same plan that not only assures you guaranteed returns, but also ensures the safety of your family. And yes, you can sleep peacefully with this plan, because this plan is designed to reduce your worries about your future.
HDFC Life Sanchay Plus Features
Guaranteed benefits
- Now you must be wondering what does guarantee mean? So, here guarantee means that no matter what, you will definitely get the benefit.
Flexibility
- This plan is flexible enough to choose it as your regular income. This flexibility is just in name, because in reality it will benefit you in every situation.
Life Long Income Option
- Are you dreaming of living till the age of 99? Then don’t worry, because this plan will give you guaranteed income till the age of 99. Yes, you heard it right, 99 years!
PM Kisan 19th Installment Date, KYC Process, Status & Beneficiary List
(SSPY UP) UP Pension Scheme 2025 Check Eligibility & Online Registration Process
SBI e-Mudra Loan 2025 Apply Online: Check Eligibility, Documents & Step-by-Step Process
Long Term Income Option
- If you think that the chances of living till the age of 99 are a little high, then here is another option for you—guaranteed income for a fixed period of 25 to 30 years.
Additional Benefits
- If you can afford to pay a little higher premium, then this plan has additional benefits for you. Just pay a premium of above INR 150,000 and enjoy the benefits.
Tax Benefits
- Now if you are also fond of saving taxes, then with this plan you will get tax benefits as well. That is, benefits upon benefits!
Optional Riders
- You can also opt for riders to enhance your protection coverage. Just pay a little extra premium and increase the protection.
Varieties of HDFC Life Sanchay Plus Plans
Now let’s talk about which option you should choose. This plan has various options depending on your needs:
| Guaranteed Income Option | This option is for those who want to get regular income for a fixed period. Here you will get guaranteed income for 10 or 12 years. |
| Life Long Income Option | This option is for those who want lifelong protection. In this plan, you will get guaranteed income till the age of 99 years and at the end the entire premium amount paid by you will also be refunded. |
| Long Term Income Option | This option is for those who want financial security for a long period. Here you will get guaranteed income for 25 or 30 years and the premium will also be returned at the end. |
What are the HDFC Life Sanchay Plus benefits?
Maturity Benefit
Guaranteed Income
If you have paid all the premiums on time, then at the end of the policy you will get guaranteed income for a fixed period of 10 or 12 years.
Life Long Income
After the end of the policy term, you will get guaranteed income till the age of 99 years and also, the entire premium amount will be returned.
Long Term Income
Under this option, you will get guaranteed income for a fixed period of 25 or 30 years and the entire premium amount will be returned at the end of the policy term.
Note: Even if the policyholder dies, the nominee will continue to receive guaranteed income.
PNB Mudra Loan within 5 minutes [10 lakh], Eligibility, Required Documents & Way to Apply?
HDFC Life Investment Plans: Now Your future is secure and bright!
Death Benefit
If unfortunately, the policyholder dies, an amount is given to the nominee to provide the maximum benefit. This includes:
- 10 times the annual premium
- 105% of the total premiums paid
- Compound interest of 5% per annum on premiums
- Guaranteed sum on maturity
- Fixed amount of death benefit
- All benefits cease after death.
Eligibility and premium details
| Plan Option | Minimum Entry Age (Years) | Maximum Entry Age (Years) | Minimum Maturity Age (Years) | Maximum Maturity Age (Years) |
| Guaranteed Income | 51 | 60 | 18 | 73 |
| Life Long Income | 50 | 51 | 56 | 80 |
| Long Term Income | 51 | 51 | 18 | 71 |
| Plan Option | Minimum Installment Premium (INR) | Maximum Installment Premium |
| All Options | Annual: 30,000 | No limit, as per BAUP |
| Half-Yearly: 15,000 | ||
| Quarterly: 7,500 | ||
| Monthly: 2,500 |
Optional Riders
- HDFC Life Income Benefit on Accidental Disability Rider
- HDFC Life Critical Illness Plus Rider
Conclusion
If you are one of those people who are worried about their future, then HDFC Life Sanchay Plus can be the right choice for you. It will not only meet your financial needs but will also give you and your family the assurance of security. So don’t delay any more, take the right decision at the right time and secure your future.