What is Click to Invest Brochure |Review HDFC Life Click2Invest Brochure


What is Click to Invest Brochure,Review HDFC Life Click2Invest Brochure ,Here are the key features of HDFC Life Click2Invest:,HDFC Life Click2Invest offers a range of benefits, including tax benefits. Here are the benefits provided by the plan,Here are the eligibility criteria for HDFC Life Click2Invest,

What is Click to Invest Brochure

HDFC Life Click2Invest is an online Unit Linked Insurance Plan (ULIP) that provides a range of benefits without imposing any policy allocation charges or policy administration charges. This plan is designed to offer market-linked returns, wherein your premium is primarily invested, while charges are applied only for mortality risk and fund management. By opting for this plan, you can fulfill your investment goals while securing comprehensive financial protection for your family.

Here are the key features of HDFC Life Click2Invest:

  1. Zero allocation charges: There are no charges deducted from your premium as policy allocation charges.
  2. Zero policy administration charges: The plan does not impose any policy administration charges.
  3. Sum assured (Single premium): The sum assured is 125% of the single premium amount.
  4. Premium paying term:
    • Single pay: You can choose to pay the premium in a single payment.
    • Limited pay: You can pay the premium for a limited duration of 5, 7, or 10 years.
    • Regular premium: You can pay the premium for a policy term ranging from 5 to 20 years.
  5. Policy term: The policy can be chosen for a term between 5 to 20 years.
  6. Entry age criteria:
    • Regular and limited premium for entry age less than 55: The premium is 10 times the annualized premium.
    • Regular and limited premium for entry age more than 55: The premium is 7 times the annualized premium.
  7. ULIP fund: HDFC Life Click2Invest is a Unit Linked Insurance Plan, which means your premium is invested in market-linked funds.
  8. Individual plan: It is an individual insurance plan designed to cater to your specific needs.
  9. 8 fund options: You have the flexibility to choose from 8 different fund options based on your risk appetite and investment goals.
  10. No discontinuance charges: The plan does not impose any charges if you decide to discontinue the policy.
  11. Switching between accounts: You can switch funds within the plan to align with your changing investment preferences.
  12. No loan facility: This plan does not offer any loan facility against the policy.

HDFC Life Click2Invest offers a range of benefits, including tax benefits. Here are the benefits provided by the plan:

  1. Maturity Benefit: If you survive till the end of the policy term, you will receive the fund value as the maturity benefit.
  2. Death Benefit: In the unfortunate event of the insured’s demise, the nominee will receive the following:
    • Sum assured
    • Fund value
    • 105% of the premium paid
  3. 8 Funds to Choose From: The plan provides the option to choose from 8 different funds, including:
    • Equity Plus Fund
    • Diversified Equity Fund
    • Blue Chip Fund
    • Opportunities Fund
    • Balanced Fund
    • Income Fund
    • Bond Fund
    • Conservative Fund
  4. Tax Benefits: The plan offers tax benefits under Section 80C and Section 10D of the Income Tax Act, 1961.
  5. Premium Reinvestment: The premiums paid by the insured are reinvested in the chosen fund.
  6. Partial Withdrawals: After 5 years of the policy, you can make partial withdrawals as per your needs.
  7. Fund Switching: The policy allows you to switch between funds if desired. Four free switches are available every year, and charges may apply for additional switches.
  8. Premium Redirection: You have the flexibility to redirect premiums into different accounts based on your requirements.

Here are the eligibility criteria for HDFC Life Click2Invest:


  • Minimum entry age: 30 days
  • Maximum entry age: 65 years

Age at Maturity:

  • Minimum age at maturity: 18 years
  • Maximum age at maturity: 75 years

Policy Term: The policy term can range from 5 to 20 years.

Minimum Premium:

  • Single premium: Rs. 24,000
  • Annual premium: Rs. 12,000
  • Bi-annual premium: Rs. 6,000
  • Quarterly premium: Rs. 3,000
  • Monthly premium: Rs. 1,000


A) Risk Factors:

  1. Investment Risk: In this policy, the policyholder bears the investment risk associated with the investment portfolio. Unit linked insurance products differ from traditional insurance products and are subject to risk factors.
  2. Market-Linked Performance: The premiums paid in Unit Linked Insurance policies are exposed to investment risks related to capital markets. The Net Asset Values (NAVs) of the units may fluctuate based on the performance of the funds and factors affecting the capital market. The insured is responsible for making informed decisions in this regard.
  3. Name Indication: HDFC Life Insurance Company Limited is the name of the Life Insurance Company, and “HDFC Life Click2Invest” is the name of the unit linked insurance contract. However, these names do not imply the quality of the contract, its future prospects, or returns.

It is important to understand the associated risks and applicable charges by consulting with your insurance agent, intermediary, or referring to the policy document issued by the insurance company.

B ) Unit Prices:

  1. Calculation: The unit price is determined by considering the market value of investments held by the fund, along with the value of any current assets. This total is then reduced by the value of current liabilities and provisions, if any.
  2. Division: The resulting amount is divided by the number of units existing on the valuation date, prior to any units being allocated or redeemed. This division gives the unit price of the specific fund.
  3. Rounding: The calculated unit price is rounded to the nearest Re. 0.0001 for precision.
  4. Publication: The unit price is published daily on the HDFC Life website and in leading national newspapers.
  5. Allocation and Premium Adjustment: Units are allocated on the day the proposal is accepted and results in a policy. The application money paid towards the premium is adjusted on the same day. Even if the premium has been received in advance, it will be adjusted on the due date. The policyholder will be informed about the status of the premium received in advance.

It is important to note that the unit prices and related processes may be subject to change, and the most up-to-date information can be obtained from the HDFC Life website or by contacting their representatives.


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