HDFC Life Smart Term Pro

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UIN: 101N159V01 Premium payment term, limited. Life cover, up to 80 years 1 100% return of premium on maturity Life Cover up to 80 years 1 Pay Premium for 5, 8, 10 or 12 Years Term Insurance Plan HDFC Life Smart Term Pro

1. Provided all due premiums have been paid and the policy is in force.

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Why HDFC Life Smart Term Pro is just right for you?

A Non-Linked Non-Participating Individual Life Term Insurance Plan

If you are looking for a life insurance cover to financially protect your family and also receive return of premiums on completion of policy term, then this plan is suitable for you.
Life insurance cover for full policy term
Return of total premiums on maturity
Pay premiums for 5,8,10 or 12 years only
Option for Family Income Payout for 5 or 10 years
Enhanced protection through Riders

If you are looking for a life insurance cover to financially protect your family and also receive return of premiums on completion of policy term, then this plan is suitable for you.
Life insurance cover for full policy term
Return of total premiums on maturity
Pay premiums for 5,8,10 or 12 years only
Option for Family Income Payout for 5 or 10 years
Enhanced protection through Riders

Your Plan. Your Benefits

View the benefits available for you

Life Insurance Cover
Return of Premium on Maturity
Limited Pay Option
Family Payout Option

Life Insurance Cover

In case of unfortunate demise of the life assured during the policy term, Sum Assured on Death is paid as per the death benefit payout option selected. Sum Assured on Death = higher of (7 times the Annualized Premium or Basic Sum Assured or 105% of Total Premiums Paid.)

Return of Premium on Maturity

You pay premiums for the chosen premium payment term and on completion of the policy term, 100% of the total premiums paid is returned to you.

Limited Pay Option

The plan offers the flexibility to pay premiums for a shorter duration while providing life insurance cover for full policy term. You can choose to pay premiums for 5, 8, 10 or 12 years.

Family Payout Option

At the time of policy inception, you can choose how your family should receive the death benefit in case of an unfortunate event – in a single lump sum, as monthly income, or as a combination of both. There are 3 flexible payout options available to choose from:

Payout Option	How is the Payout made?
Option A: Lump Sum Payout	100 % of sum assured on death is paid in a single lump sum payout
Option B: Lump Sum with Family Income Payout	50% of sum assured on death is paid as lump sum and 0.95% of sum assured on death is paid at the end of every month for 60 months (5 years)
Option C: Family Income Payout	1.07% of sum assured on death is paid at the end of every month for 120 months (10 Years)

Check Eligibility Criteria

VIEW ELIGIBILITY CRITERIA

ELIGIBILITY CRITERIA

Premium Paying Term (PPT)

Entry Age (years)

Policy Term (years)

Minimum Sum Assured (INR)

Maximum Sum Assured (INR)

As per the Board Approved Underwriting policy of the company

Maximum Maturity Age

Premium Paying Mode

Monthly 1 , Half-yearly and Annual

1. For monthly mode: 3 Monthly premiums are collected in advance on the date of commencement of the policy

Term Insurance is incomplete without riders

Riders in insurance have an important part in contingency planning.

HDFC Life Critical Illness Rider

UIN: 101B018V01 We pay one-time lump sum benefit if diagnosed with of any of the specified critical illnesses. DOWNLOAD

HDFC Life Accidental Death Disability and Dismemberment Benefit Rider

UIN: 101B017V01 We pay additional lump sum amount in case of Accidental Death, Disability or Dismemberment DOWNLOAD

Disclaimer :

Subject to maximum Policy Term of 40 years

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To read the complete definitions as stated by IRDAI and displayed across this website, you can refer the specimen policy documents. For product details you can refer the product brochures

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As per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My Account/ [email protected] / 022-68446530 (Call charges apply)
/ HDFC Life branch. Ignore if already submitted.

HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.

Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666.

The name /letter 'HDFC' in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) belongs to HDFC Bank Limited and is used by HDFC Life under licence from HDFC Bank Limited.

For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.

HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.

Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666.

The name /letter 'HDFC' in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) belongs to HDFC Bank Limited and is used by HDFC Life under licence from HDFC Bank Limited.

For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

HDFC Life Smart Term Pro