Over 7.8 crore Indians trust this name—but does it still deliver in 2025?

If you're searching for HDFC Life insurance, you're probably weighing brand reliability against premium affordability. Here's what matters: HDFC Life achieved a 99.05% claim settlement ratio in FY 2024-25, manages assets worth Rs.2.86 lakh crore, and serves customers through 430+ branches plus the entire HDFC Bank network. As India's largest private life insurer, they're a top contender for term plans, ULIPs, and pension products. But here's the complete picture—premiums, plans, pros, and pitfalls—so you decide with confidence.

About the Company

When India's most trusted bank meets insurance expertise, this is what you get.

Did you know HDFC Life was among the first private life insurers post-liberalization? Founded in 2000 as a joint venture between HDFC Ltd. (50.1%) and Standard Life Aberdeen (49.9%), the company holds IRDAI registration number 101. Today, HDFC Life manages Rs.2,86,417 crore in assets, serves over 7.8 crore policyholders, and operates through 430+ branches backed by the massive HDFC Bank network. Their bancassurance model gives them unmatched distribution reach—something no standalone insurer can match. The company's positioning? Premium protection products with digital convenience for urban, semi-urban India.

History and Key Milestones

From startup disruptor to market leader—the HDFC Life journey.

HDFC Life began operations in 2000, becoming one of India's first private life insurance companies post-IRDAI reforms. By 2008, they'd crossed 1 crore policyholders—a milestone that took decades for traditional insurers. The 2017 IPO was India's largest-ever insurance listing at that time. Fast forward to 2024-25: HDFC Life launched AI-powered underwriting for instant term policy issuance (under Rs.2 crore cover, decisions in 10 minutes), expanded their pension portfolio with guaranteed income products, and achieved 99.05% CSR—up from 98.66% the previous year. They've evolved from traditional savings-focused plans to becoming India's term insurance leader.

Market Presence and Share

India's largest private life insurer isn't slowing down.

HDFC Life commands 14.8% market share in FY 2024-25, ranking first among private insurers and second overall after LIC. Their individual new business premium reached Rs.21,874 crore—a robust 13.6% year-on-year growth compared to the industry average of 10.2%. The bancassurance channel (primarily HDFC Bank branches) contributes 56% of new business, while their agency force adds 32%, and direct online sales make up 12%. Their 13th-month persistency ratio stands at 87.4% (industry average: 82.1%), and the impressive 61st-month persistency of 61.2% signals strong customer satisfaction. The claim settlement ratio of 99.05% means they settled 63,567 of 64,176 claims filed—significantly higher than the industry benchmark of 95.8%. Their solvency ratio is 1.91, well above the regulatory minimum of 1.50.

Key Benefits

Why 7.8 crore Indians chose HDFC Life—the real advantages:

1. Industry-leading CSR of 99.05% means virtually every genuine claim gets paid—settled 63,567 of 64,176 claims in FY 2024-25
2. Bancassurance advantage: Get serviced at 5,500+ HDFC Bank branches nationwide, not just 430 HDFC Life offices
3. Digital excellence: ProActive mobile app (4.3? rating) enables premium payment, policy servicing, and instant claim status
4. AI underwriting: Get term insurance approved in 10 minutes for covers up to Rs.2 crore—no medical tests for healthy applicants under 45
5. Competitive premiums: Click2Protect 3D Plus offers Rs.1 crore cover for just Rs.6,828/year for a 30-year-old non-smoker male
6. Tax efficiency: Premiums qualify for Section 80C deduction (up to Rs.1.5 lakh), maturity proceeds tax-free under Section 10(10D)
7. Comprehensive ULIP range: 10+ fund options with historical equity returns of 11-14% over 10 years
8. Guaranteed income products: Pension plans offering 6-7% guaranteed annuity rates for retirement planning

Why Choose HDFC Life in 2026?

Because your family deserves a claim payout, not paperwork nightmares.

Let's address the biggest fear: claim rejection. HDFC Life's 99.05% CSR means only 609 claims were rejected out of 64,176 filed—mostly for fraud or non-disclosure. Average claim processing? 4-6 days for straightforward cases with complete documentation. Their mobile app lets you file claims, upload documents, and track status in real-time—no branch visits needed.

Here's the thing about affordability: a 30-year-old professional can get Rs.1 crore life cover for Rs.6,828/year (approximately Rs.569/month)—that's less than two Netflix subscriptions. Add their AI-powered instant issuance (policy in your inbox within 30 minutes for eligible applicants), and you've got modern insurance that actually works.

Fill the NiveshKaro form today for free personalized quotes within 24 hours from certified advisors.

Riders and Add-Ons

Supercharge your base policy with these protection boosters—but choose wisely.

Critical Illness Rider covers 64 critical illnesses (cancer, heart attack, stroke, kidney failure) with lumpsum payout independent of treatment costs. Costs approximately 3-5% of base premium depending on age and coverage. Who needs it: Family history of lifestyle diseases, high-stress professionals, sole earners.

Accidental Death Benefit Rider pays an additional sum assured (equal to base cover) if death occurs due to accident. Costs just Rs.500-800/year for Rs.1 crore additional cover—extremely affordable. Who needs it: Regular two-wheeler riders, frequent travelers.

Premium Waiver Rider waives all future premiums if you're diagnosed with terminal illness or critical illness, keeping your policy active without payment. Costs around 1-2% of base premium. Who needs it: Young families, limited financial cushion.

Accidental Disability Income Rider pays monthly income (typically 1% of sum assured) if accident causes permanent total disability. Who needs it: Manual labor, hazardous occupations.

Pro tip: Sometimes a comprehensive base plan (like Click2Protect 3D Plus with higher cover) beats loading multiple riders—compare total costs before adding.

Latest CSR and Solvency

The numbers that matter most when filing claims—straight from IRDAI data.

HDFC Life achieved a claim settlement ratio of 99.05% in FY 2024-25 according to the IRDAI Annual Report 2024-25, settling 63,567 out of 64,176 claims filed. That's an improvement from 98.66% the previous year. The average claim processing time is 4-6 days for straightforward cases with complete documentation—among the fastest in the industry. Early claims (within 3 years of policy start) have slightly lower approval due to stricter scrutiny, but after 3 years, virtually all genuine claims sail through.

Rejection reasons? Of the 609 rejected claims, common causes include non-disclosure of pre-existing conditions during application (42%), suspected fraud or misrepresentation (31%), and policy lapsed due to unpaid premiums (27%). The key takeaway: disclose all health conditions honestly during application.

The company maintains a solvency ratio of 1.91 as of Q3 FY 2024-25—well above the minimum regulatory requirement of 1.50—indicating robust financial health. Assets under management stand at Rs.2,86,417 crore, making them financially rock-solid for long-term commitments.

After-Sales Services

Because insurance is a lifelong relationship, not a one-time sale.

HDFC Life's ProActive mobile app (4.3? on Google Play, 1.2 million+ downloads) lets you pay premiums, download policy documents, update contact details, file claims with photo uploads, and track claim status—all without calling customer care. The app's chatbot resolves 68% of queries instantly.

Their 24/7 helpline (1800-266-9777) handles service requests in 11 languages with average wait time under 2 minutes. WhatsApp servicing is available at +91-8976862090 for premium payments and policy queries.

Service accessibility is where HDFC Life shines: 5,500+ HDFC Bank branches offer insurance servicing beyond their 430 dedicated offices. Need to update your address or submit documents? Walk into any HDFC Bank branch.

Digital claim filing takes 4 steps: (1) Notify via app/website/WhatsApp within 24 hours of death, (2) Upload claim form + death certificate + medical records, (3) Company verifies documents (2-4 days), (4) Claim amount credited to nominee's account. For claims above Rs.10 lakh, a physical verification might be required.

One unique differentiator: ProActive Claims Settlement—HDFC Life proactively reaches out to nominees of deceased policyholders (identified through internal data/newspaper obituaries) to initiate claims, ensuring families don't miss out due to lack of awareness.

Awards, Reviews, Ratings

What experts and real customers say about HDFC Life:

HDFC Life won "Best Life Insurance Company - Private Sector" at the BFSI Awards 2024 and "Innovation in Digital Customer Experience" at the India Insurance Summit 2024 for their AI-powered underwriting platform.

Google Reviews average 4.1? out of 5, with praise for quick claim settlements and responsive customer care. Reddit sentiment is mixed—users appreciate competitive term insurance premiums and instant issuance but criticize ULIP charges not being explained upfront during sales. A common Quora complaint: "Agents push ULIPs aggressively instead of pure term plans because of higher commissions."

IRDAI data shows grievance resolution rate of 96.3%—most complaints resolved within 30 days. Credit rating agencies ICRA and CARE consistently rate HDFC Life AAA (Stable) for financial strength.

One balanced view from a verified buyer: "Bought Click2Protect online in 2019, filed claim in 2024 after my brother's sudden death—money in account within 7 days, zero hassle."

How NiveshKaro Helps

Your unbiased guide to smarter insurance decisions—because you deserve better than pushy agents.

NiveshKaro offers zero-commission advisory with IRDAI-certified financial planners who've helped over 50,000 families choose the right life insurance. Unlike traditional agents who earn 25-35% commissions on first-year premiums (incentivizing expensive ULIPs over affordable term plans), we don't earn commissions from product sales—just transparent advisory fees.

We compare HDFC Life against 15+ insurers (LIC, Max Life, ICICI Pru, Bajaj Allianz, Kotak Life) across premiums, CSR, riders, and claim processing speed. Our coverage calculator considers your liabilities, dependents, existing cover, and future goals—not just a random "10x annual income" thumb rule. Response time: Within 24 hours of form submission, you'll get personalized recommendations via WhatsApp/email.

Key differentiator: We don't push products. If pure term insurance fits your need, we'll say so—even if it means lower advisory fees compared to ULIP recommendations.

Start at niveshkaro.com today for expert guidance!

Frequently Asked Questions (FAQ)

Q: Is HDFC Life better than LIC for term insurance in 2026?

A: HDFC Life offers 15-20% lower premiums than LIC for 25-40 age group, faster online issuance, and comparable 99.05% CSR. LIC has wider agent reach and government backing. For young urban buyers, HDFC Life's Click2Protect usually wins on cost-value.

Q: What is HDFC Life's claim settlement ratio in 2026?

A: HDFC Life reported 99.05% CSR for FY 2024-25 per IRDAI data—settling 63,567 of 64,176 claims. Average processing time is 4-6 days for straightforward cases. Rejections typically involve non-disclosure (42%) or fraud (31%).

Q: Can I buy HDFC Life insurance online without an agent?

A: Yes. Click2Protect 3D Plus and Click2Invest ULIP can be purchased 100% online through hdfc.com/life without agent involvement. Instant policy issuance for eligible applicants—policy document emailed within 30 minutes after payment.

Q: How do I file a claim with HDFC Life?

A: Use ProActive mobile app or website: upload claim form, death certificate, medical records, and nominee ID proof. Call 1800-266-9777 or WhatsApp +91-8976862090 for guidance. Claim amount credited within 4-6 days if documents are complete.

Q: Should I buy HDFC Life ULIP or invest in mutual funds?

A: ULIPs have 1.35% fund management charges vs. mutual funds' 0.5-1%, plus mortality charges. However, ULIPs offer tax-free maturity (5+ years) while mutual fund LTCG is taxed 12.5%. Choose ULIPs if you need life cover; pure mutual funds if you have separate term insurance.

Q: What is HDFC Life's solvency ratio in 2026?

A: HDFC Life's solvency ratio is 1.91 as of Q3 FY 2024-25, well above IRDAI's minimum requirement of 1.50. This indicates strong financial health and ability to meet all policyholder obligations comfortably.

Q: Does HDFC Life term insurance cover COVID-19 deaths?

A: Yes, all HDFC Life term insurance policies cover COVID-19 deaths as a natural cause. No exclusions apply if the policy was active before diagnosis. Claims settled at standard CSR of 99.05% with 4-6 day processing time.

About NiveshKaro.com & Disclaimer

NiveshKaro.com is a free, zero-commission platform connecting you with unbiased, certified financial advisors (IRDAI/SEBI/AMFI registered) for life insurance decisions. We don't sell products or handle claims—just expert guidance to empower your choices. Verify details independently; see Terms & Conditions. Start at niveshkaro.com today!

Disclaimer: All premium figures, CSR data, and financial metrics are indicative, based on publicly available IRDAI reports and HDFC Life disclosures as of December 2025. Actual premiums depend on age, health, medical history, sum assured, and underwriting. Product features and charges are subject to change—verify directly with HDFC Life or authorized advisors before purchase. This article is for educational purposes only and does not constitute financial advice. Consult IRDAI/SEBI-certified advisors for personalized recommendations.

Your search for savings insurance plan ends here! "HDFC Life Sanchay Plus" offers a non-participating, non-linked, savings insurance plan that provides guaranteed returns while protecting your family's future against unforeseen events. It enables systematic savings and provides assured regular income so that you can easily fulfill your family's dreams and commitments.

You can know that every phase of your life demands to achieve milestones. Meeting milestones with pride is the key to happiness in life. Flawless financial planning helps you balance your life balance when unexpected liabilities, living-standard expenses, and unforeseen events can occur. Your life becomes worry-free if you face the stages in life like marriage, paternity and retirement with adequate preparation and planning.

Key Features of HDFC standard of living

• Guaranteed^ benefits –Rest assured of the returns
• Flexibility-guaranteed ^ benefit in lump sum or regular income
• Life Long Income Option - Guaranteed ^ Income up to the age of 99
• Long Term Income Option - Guaranteed ^ Income for a fixed term of 25 to 30 years
• Life long and long term income options pay the total premium paid1 at the end of the payout period
• ^Provided that all the due premiums have been paid and the policy is in force.
• Total premium payment means the total of all premiums received, excluding any additional premium, any riders premium and taxes. *
• Increased benefits for policies with an annual premium of more than 150,000 annually *
• Tax Benefits ^ ^ -You can be eligible for tax benefits as per the prevailing tax laws.
• Optional Riders - Ensure your safety coverage with rider options on payment of additional premium.
• As per the Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

https://brandsitestatic.hdfclife.com/media/documents/apps/019519019%20HDFC%20Life%20Sanchay%20Plus_Retail_Brochure_Final_ctc.pdf,

As an independent woman you live life on your own terms. You can create a place for yourself, whether it is for your work or your home. Your dreams and ambitions are unique and so are your financial needs. We understand this, and have designed a special life insurance product for especially for you.

Introducing HDFC Life Smart Woman, a unique insurance and investment scheme designed especially for women. This plan provides benefits to take care of various stages of your life; Be it on motherhood, fighting cancer or with the loss of a partner. This plan make sure that your savings continue while you adjust to the new stages of your life, and you are confident to live life the way you want.

The plan comes with comprehensive coverage options where it will cover you against pregnancy complications and congenital conditions or fatal female-specific cancers. During these critical moments, we assure you peace of mind by waiving your premiums and funding money so that you can get through your life and adjust and your investments continue to grow.

Key Features of HDFC Life Smart Women

• Sum Assured up to 40 times your annual premium
• Choice of 3 benefit options - Classic, Premier and Elite
• Premium Waiver Benefit
• Additional periodic cash payments under Premier and Elite options
• Increased allocation rate from 11 year onwards
• The scheme is available on Small Medical Questionnaire (SMQ)
Please speak to our Financial Consultant to know more details

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

https://brandsitestatic.hdfclife.com/media/documents/apps/MC0620179977%20HDFC%20Life%20Smart%20Woman%20Plan_Retail_Brochure.pdf,

HDFC LIFE GUARANTEED PENSION PLAN A Traditional Non-Participating Pension Plan. As you look forward to retirement, what is your biggest concern? This is probably outliving your savings. Generally, how much you earn during retirement will depend on how much you have saved up to the time you retire. But the fall in the market can take your retirement savings and your retirement dreams with them. We present a solution designed to help you create and secure your retirement fund so that you can enjoy post retirement income.

Presenting HDFC Life Guaranteed Pension Plan

The HDFC Life Guaranteed Pension Plan is a non-participating deferred pension plan that provides assured benefits on death or vested opportunities. The product offers guaranteed additions that are added every year and lump sum vesting addition payable at vesting. The scheme is ideal for individuals who want to plan their retirement to get guaranteed returns on their invested funds for post-retirement income.

Key Features of HDFC Life Guaranteed Pension Plan

• Guaranteed additions of 3% of the sum assured on vesting accruing for each completed policy year
• Lump sum Vesting addition payable on Vesting
• 5, 7 and 10 years are premium paying terms
• Guaranteed death benefit equal to total premiums paid to date accumulated at 6% per annum
GET YOUR HDFC LIFE GUARANTEED PENSION PLAN IN JUST FOLLOWING 2 STEPS!
• Step 1: Choose your vesting age
• Step 2: Choose the premium amount to be paid for a limited period based on your retirement needs

https://www.hdfclife.com/documents/our-plan/hdfclife_guaranteed_pension_plan20170301-111236.pdf,

“Enjoy lifelong regular income with flexibility of payouts and whole life cover1”

As you go through different phase in life, there are dreams and aspirations that you set for yourself and your family. More often than not, you make difficult choices, sacrificing one dream for another. You also have to take care of day-to-day responsibilities, such as running a family, paying health expenses, children's school fees, etc. With the increasing uncertainties of life, it is important to secure a source of income, which takes care of these expenses, after your retirement or in case of unfortunate demise. A life insurance plan provides financial protection against such unforeseen events.

To help you achieve your goals, we present to you "HDFC Life Sanchay Par Advantage", a life insurance solution that allows you to live an uncompromising life, while securing your family's future, and ensuring to leave you a legacy for them.

HDFC Life Sanchay Par Advantage is a participating life insurance plan that provides an option to avail risk cover for the entire life (up to the age of 100 years). The plan provides you with a holistic solution to generate a regular income and to create a fund to achieve the planned goals and secure the future of your loved one without any compromise.

Plan Variants

Immediate Income option
An option that provides regular income by way of cash bonuses (if declared), from 1st policy year and provides lump sum at maturity thereby creating a legacy for your loved one.

Deferred Income option
An option that provides Guaranteed Income for a guarantee period2, and also provides regular income by way of cash bonuses (if declared) throughout the policy term. It helps create a legacy for your loved ones by providing a lump sum at maturity.
2 Guaranteed Income starts after Premium Payment Term + 1 year, provided all due premiums have been paid and the policy is in force. Guaranteed Income and Cash Bonus payouts, if declared, start one year after the end of Premium Payment Term. Guarantee Period is a period which is lower of 25 years, or Policy Term minus (Premium Payment Term + 1) years.

https://www.hdfclife.com/documents/apps/HDFC%20Life%20Sanchay%20Par%20AdvantageImmediate%20Income%20Leaflet.pdf,

From the birth of the child, we, as parents, earnestly strive to ensure that the child can dream big without second thoughts and therefore work towards fulfilling his dreams. HDFC Life, are here to help empower your child's dreams and live the rest of their lives as proud parents.

Today, the dreams of children are bigger and more focused than the generation that grew up. We ourselves belong to the generation of young parents, who have motivated our little ones to have ambitions and not compromise for anything less than the best.

But there is a price tag associated with dreaming big.

On one hand, the increasing cost of education and weddings is beyond your control due to inflation. On the other hand, you cannot let your child go with immense abilities and talent, give up his dreams or postpone any plans and compromise for the second best.

At HDFC Life, we will walk the path with you to help you plan and invest systematically for your child's goals so that when they are ready to embark on their illustrious career, you can also support them financially. Will be prepared from; not only at the last defining moments but throughout the journey. This insurance plan will meet the needs of your child, even if you are not around.

Presenting HDFC LIFE YOUNGSTAR UDAAN

The scheme is perfect for parents who wish to make provision for:
• Educational expenses that occur prior to college education
• Specific goals such as college fees or wedding expenses etc.
• All miscellaneous and additional curricular expenses incurred during college / school

Key Features of HDFC Life UDAAN

• A participating endowment and money back scheme with multiple options.
• 3 maturity benefit options that will help you to match the major milestones of your child's ambitions.
• Under the Classic Waiver option, all future installment premiums will not be required to be paid
• Boost your payments with Guaranteed Additions (GA) * accumulating in the first 5 years of your policy, payable at maturity.
• A range of premium payment and policy term options that allow you to plan different goals for your child.
• Insurance coverage during the policy period by paying premium for a limited period.
• The scheme is available with Small Medical Questionnaire (SMQ) based underwriting #

https://www.hdfclife.com/documents/children/hdfc-life-youngstar-udaan20170517-105103.pdf,

Planning for the future is the most important aspect of your life. It may be planning for your child's future, financially securing your post-retirement years or depositing funds only for a rainy day. You want an opportunity that will ensure your money work for you as well as help secure the money you have made so that your intended goals are met. A life insurance plan provides financial protection against such unforeseen events.
We understand this and therefore "HDFC Life Click 2 Wealth" is a pleasure to present a unit linked life insurance plan that provides market linked returns and provides life protection for you and your family.

See the highlights of HDFC Life Click 2 Wealth

• Charges - Only the fund management charge for managing your fund and the mortality charges of your life cover
• Special additions: Receive 1% of the annual premium as special additions to your fund value for 5 years
• Return of Mortality Charge (ROMC) at maturity. In case of premium waiver option, only life insurance related mortality rate will be refunded. The ROMC will not be available for policies where the waiver of premium beneficiaries becomes operational due to the death of the proposer.
• Three plan options to maximize benefits
1. Invest Plus option for insurance cum investment
2. Premium Waiver Option to Protect Milestones for Dependents
3. Golden Year Bennett Options for Retirement Planning with Whole Life Cover
• Premium Waiver Benefit that protects the future of your loved one in your absence
• Choice of 10 fund options with unlimited free switching
• Rupee Systematic transfer planning strategy for the benefit of cost averaging
• Premium payment options for Single Pay, Limited Pay and Regular Pay

https://brandsitestatic.hdfclife.com/media/documents/apps/018797019%20HDFC%20Life%20Click%202%20Wealth_Brochure_Retail_V3.pdf

HDFC Life Cancer Care is a comprehensive cancer care plan that provides financial protection for both the early and major stages of cancer. So you get paid not only at the diagnosis of the major stage of the cancer, but also at the early stage of the cancer. In addition, we also waive premiums for the next 3 policy years on early stage diagnosis of cancer. In addition insured will receive an income benefit on the diagnosis of major cancer under the Platinum Option. And there is an increase in benefits in Gold and Platinum options, under which the sum insured under the policy increases every year.

Why Buy HDFC Life Cancer Care?

• Comprehensive Cancer Plan that provides financial protection to you and your family against early or major stages of cancer
• Lump sum payment is provided for early stages of cancer as well as diagnosis of major
• Future premiums for the next 3 policy years will be waived upon receiving a valid claim for diagnosis of cancer
• Receive income benefit for next 5 years under Platinum Option
• Under the Gold and Platinum option, the Sum Insured will be increased by 10% every year. This will continue till the Sum Insured becomes 200% of the Sum Assured Sum Assured.
• All benefits and payments are independent of any other health insurance plan
• Provides tax benefits as per prevailing tax laws

https://brandsitestatic.hdfclife.com/media/documents/apps/MC0620179909%20HDFC%20Life%20Cancer%20Care_Retail_Brochure.pdf

“Secure your family against uncertainties, with a plan that adjusts to your needs”

Change is the only constant. In a world that develops at an accelerated pace, it is only appropriate that you stay with the times, or fear is left behind. With evolving priorities and changes in lifestyles, it is also important to keep the future of your family safe and secure so that there will be any uncertainty in life. Keeping in mind the changing times, HDFC Life is proud to have Click 2 Protect Life, an intelligent term plan that benefits according to your changing lifestyle and standard of living and helps you stay truly protected.

Key Features

• Provides comprehensive financial security to your family
• Option to choose an option that meets your needs out of 3 plan options
• Auto Balance Death and Critical Illness Benefits with increasing age*
• Receive income payment from the age of 60 under the Income Plus option
• Option to avail cover for Whole of Life*
• Receive back all premiums paid on survival upto maturity with Return of Premium option**
• Premium waiver on diagnosis of critical illness (through WOP CI option) #
• Additional Sum Assured on Accidental Death (through ADB option) #
• Special premium rates for female life and non-tobacco users

Plan options
You can choose from 3 plan options -
1. Life and CI Rebalance - A smart cover that aims to achieve a balance between death and critical illness as you move along in your life. Critical Illness Cover increases with a decrease in Life Cover on the anniversary of each policy. In addition, all future premiums are waived for the detection of any covered critical illness and life cover continues.
2. Life Protect - Under this plan option, a lump sum is provided on the death of the assured life.
3. Income Plus - Under this plan option, the Life Assured is covered for the entire policy term and also receives a lump payment at maturity along with regular income starting at the age of 60 years.
You can choose one of the above plan options at the beginning of the policy. The plan option once selected cannot be changed during the policy period.

https://brandsite-static.hdfclife.com/media/iwov-resources/hdfc_click2protectlife_brochure.pdf,