Hdfc Investment vs Lic Life Insurance Life Insurance 2026 | PolicyX

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Overview

HDFC Investment Plans: Overview

HDFC Life Insurance Company was founded in the year 2000 as a partnership between HDFC Limited and Standard Life Aberdeen PLC. HDFC Life offers a wide range of pension, savings, investment, and health insurance products.

HDFC Investment Plans are designed to help policyholders build savings habits and achieve good returns when needed. They usually provide a fixed maturity benefit amount at the end of the policy term. Read more to find out about the various HDFC investment plans offered by HDFC Life.

HDFC Investment Plans cater to your investment needs by offering:

  • Guaranteed Returns
  • Death Benefits
  • Participation in Profits
  • High Sum Assured Rebates
COMPANY DETAILS ✎ Edit

Hdfc Investment

✎ Edit

Lic Life Insurance

Rating
Number of life insurance plans and add-ons
Annual Premiums Collected (2024-25)

Annual Premiums Collected (2024-25)

₹ 000 to No limit

Annual Premiums Collected (2024-25)

₹ 751.92 crores
Payout Options

Payout Options

-

Payout Options

Lump sum, regular frequencies or a combination of both
Claim ratio

Payout Options

Minimum Age - 5 year%

Payout Options

98.5%%
Solvency Ratio

Solvency Ratio

80 years

Solvency Ratio

1.98
Pan India Presence

Pan India Presence

Annual, half-yearly,

Pan India Presence

2048
Riders Available

Riders Available

Minimum term - 6 years Maximum term - 30 years

Riders Available

Accidental Death and Disability Benefits Rider, Accidental Death Benefits Rider, Critical Illness Rider, Waiver Benefit Rider
Policy Term

Policy Term

5 to 12 years

Policy Term

5 to 40 years
Inception year

Inception year

-

Inception year

-
Complaint ratio per ₹1 crore of premium collected

Complaint ratio per ₹1 crore of premium collected

-

Complaint ratio per ₹1 crore of premium collected

-
Average claim settlement time

Average claim settlement time

-

Average claim settlement time

-
IRDAI registration number

IRDAI registration number

-

IRDAI registration number

-
Awards and recognitions

Awards and recognitions

-

Awards and recognitions

-
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Riders

Riders You Can Avail with LIC Life Insurance Plans

Name of the rider Benefits
LIC Accidental Death and Disability Benefits Rider Additional benefits are offered if the policyholder is diagnosed with any of the critical illnesses mentioned or suffers disability due to an accident.
LIC Accidental Death Benefits Rider A lump sum amount is offered in case of the policyholder's demise due to an accident if you have opted for an accidental death benefit rider.
LIC Critical Illness Rider A lump sum amount is offered if the policyholder is diagnosed with any of the critical illnesses mentioned.
LIC Premium Waiver Benefit Rider Future premiums are waived off if the policyholder's demise is due to an accident or any of the critical illnesses mentioned, provided you have a premium waiver benefit rider.
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Types of HDFC Investment Plans Plans

Every plan currently being sold by HDFC Investment Plans, shown side-by-side so you can shortlist quickly.

HDFC Super Income

HDFC Super Income Plan is a comprehensive, non-linked savings plan that provides a combination of regular income and insurance cov... Read More

Unique Features

  • Start earning from 2nd year
  • 9 plan options
  • 3.4% to 12.5% extra benefits
Sum AssuredMinimum entry age: 30 Days
Entry AgeMaximum entry age: 59 years
View plan

HDFC Sampoorn Samridhi Plus

‘A plan that offers you dual benefits - savings and whole life coverage.’ HDFC Sampoorn Samridhi Plus combines whole-life and ... Read More

Unique Features

  • Guaranteed additions
  • Lifetime coverage
  • Loan against policy
Sum AssuredMinimum entry age- 30 Days
Entry AgeMaximum entry age- 60 years
View plan

HDFC Life Uday Plan

Invest today for a worry-free tomorrow with the HDFC Life Uday Savings Plan for a brighter future.HDFC Life Uday, from HDFC Life I... Read More

Unique Features

  • Discount on Sum Assured
  • Guaranteed Additions
  • 2 Rider Benefits
Sum AssuredMinimum entry age: 18 years
Entry AgeMaximum entry age: 55 years
View plan

HDFC Assured Gain Plus

HDFC Life Assured Gain Plus is a non-linked participating savings life insurance plan offering financial protection to your family... Read More

Unique Features

  • Limited Premium Payment Term
  • Guaranteed Sum Assured
  • Terminal Bonus Benefit
Sum AssuredMinimum entry age- 3 years
Entry AgeMaximum entry age- 65 years
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HDFC Guaranteed Wealth Plus

'A plan that helps you save for your future goals.' The insurance market is filled with several insurance products, each with its ... Read More

Unique Features

  • Dual Benefits
  • Guaranteed Income
  • Lump Sum and Income Variant
Sum AssuredMinimum Entry Age: 12 years
Entry AgeMaximum Entry Age: 60 years
View plan

HDFC Guaranteed Income Plan

HDFC Life Guaranteed Income Insurance Plan is a non-linked, non-participating life insurance saving plan. It offers a regular inco... Read More

Unique Features

  • Limited premium payment term
  • Guaranteed sum assured
  • Terminal Bonus Benefit
Sum Assured<ul> <li>Minimum entry age: 3 years</li> <li>Maximum entry age: 65 years</li> <li>Minimum sum assured: Depends on monthly premiums</li> <li>Maximum sum assured: No Limit</li> <li>Maximum policy term: 15 years</li> </ul>
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HDFC My Assured Income Plan

‘A combination of income and family protection plan’. HDFC Life My Assured Income Plan is a perfect blend of a guaranteed inco... Read More

Unique Features

  • Guaranteed income benefits
  • Terminal benefits
  • Life coverage
Sum AssuredMinimum entry age: 2 years Maximum entry age: 60 years Minimum sum assured: NA Maximum sum assured: NA Maximum policy term: 16 years
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HDFC Sanchay Plus

Achieving personal milestones is crucial for securing your future. These milestones often come with added responsibilities, expens... Read More

Unique Features

  • Guaranteed Benefits
  • Death Benefits
  • Sample Premium Rates
Sum AssuredMinimum entry age: 5 years
Entry AgeMaximum entry age: 60 years
View plan

Types of LIC Life Insurance Plans

Every plan currently being sold by LIC Life Insurance, shown side-by-side so you can shortlist quickly.

LIC Premium Endowment

This plan serves a dual role. Firstly, it safeguards a family financially after the untimely death of the policyholder. Secondly, ... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age: 14 years
Entry AgeMaximum entry age: 45 years
View plan

LIC Jeevan Tarun

LIC's Jeevan Tarun is a participating, non-linked, limited premium plan that offers a combination of protection and savings for yo... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
View plan

LIC New Children Money Back Plan

The future of the world depends on the strength of children today. To ensure they are well-prepared, premium policies are availabl... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age - 0 years
Entry AgeMaximum entry age - 12 years
View plan

LIC Bima Bachat

The LIC Bima Bachat Plan (Plan No: 916) is a single premium participating endowment policy designed for individuals who prioritize... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age: 15 years
Entry AgeMaximum entry age: 66 years
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LIC Bima Diamond

LIC launched the Bima Diamond Plan (Table No. 841) on September 19, 2016 is a non-linked plan, meaning its performance is not depe... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum Entry Age: 14 years
Entry AgeMaximum Entry Age: 45 years
View plan

LIC Jeevan Arogya

When it comes to offering a complete insurance suite for comprehensive financial security in terms of health and life, you are in ... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum Entry Age: 91 days
Entry AgeMaximum Entry Age: 75 years
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LIC Jeevan Shagun

LIC Jeevan Shagun is a non-linked, participating, savings with protection single premium Money-Back plan. The policy provides high... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum Entry Age: 8 years
Entry AgeMaximum Entry Age: 45 years
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LIC New Money Back 20 Years

The LIC New Money Back Plan 20 Years (Plan No: 920) was launched on January 6, 2014, to cater to the financial needs of business a... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age - 13 years
Entry AgeMaximum entry age - 50 years
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LIC Jeevan Akshay

LIC Jeevan Akshay VI Plan is an immediate annuity pure pension plan for senior citizens, provided by one of the top-ranked insuran... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum Entry Age: 25 years
Entry AgeMaximum Entry Age: 85 years
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LIC Jeevan Shikhar

Among LIC's many efficient plans, the Jeevan Shikhar Plan stands out for its benefits and simplicity. This endowment plan was init... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
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LIC Aadhaar Stambh

LIC's Aadhaar Stambh Plan (Plan No: 943, UIN: 512N310V01) is a non-linked, with-profits, regular premium-paying endowment plan. It... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age - 8 years
Entry AgeMaximum entry age - 55 years
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LIC Aadhaar Shila

LIC&rsquo;s Aadhaar Shila Plan (Plan No: 944) is a non-linked, with-profits, regular premium-paying endowment plan. This plan offe... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum Entry Age: 8 years
Entry AgeMaximum Entry Age: 55 years
View plan

LIC Jeevan Umang

LIC Jeevan Umang (Plan No: 945) is a conventional, with-profit, non-linked endowment plan with complete life insurance coverage. T... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age- 90 days
Entry AgeMaximum entry age- 55 years
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LIC New Jeevan Anand

LIC New Jeevan Anand is a participating non-linked plan that combines protection and savings. It offers financial protection again... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age - 18 years
Entry AgeMaximum entry age - 50 years
View plan

LIC Jeevan Rakshak Plan

LIC Jeevan Rakshak Plan (Table No. 827) is a participating non-linked plan that provides a combination of insurance and savings. A... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age: 8 years
Entry AgeMaximum entry age: 55 years
View plan

LIC Jeevan Lakshya Plan

For the financial security of children and families, the LIC Jeevan Lakshya Plan (Plan No: 933) is the most suitable one. It is a ... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age- 18 years
Entry AgeMaximum entry age- 50 years
View plan

LIC New Endowment Plan

LIC New Endowment Plan-one of the best policy by LIC India. The LIC New Endowment plan (Plan No: 914) is a must-avail plan conside... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age- 8 years
Entry AgeMaximum entry age- 55 years
View plan

LIC Single Premium Endowment

It is a traditional endowment plan offering death and maturity benefits to the policyholder, along with a bonus facility. The prem... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age - 90 days
Entry AgeMaximum entry age - 65 years
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LIC Jeevan Saral

LIC Jeevan Saral is an Endowment Assurance plan where the proposer chooses the premium amount and mode of payment. The plan provid... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age - 12 years
Entry AgeMaximum entry age - 60 years
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LIC Pradhan Mantri Vaya Vandana Yojana

Pradhan Mantri Vaya Vandana Yojana is a single premium payment pension plan. This pension plan offers an option to either choose t... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum Entry Age: 60 years
Entry AgeMaximum Entry Age: No limit
View plan

LIC Kanyadan Policy

(A Perfect Gift For Your Beloved Daughter) LIC Kanyadan policy is the perfect financial coverage for your daughter with a very low... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum Entry Age: 18 years
Entry AgeMaximum Entry Age: 50 years
View plan

LIC Jeevan Shanti

Life Insurance Corporation (LIC) is an Indian insurance company owned by the Government of India. It was founded on 1st September ... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age- 30 years
Entry AgeMaximum entry age- 79 years
View plan

LIC Jeevan Saathi

LIC Jeevan Saathi is an endowment assurance policy that can secure the lives of both husband and wife.l It offers the required fin... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age- 18 years
Entry AgeMaximum entry age- 55 years
View plan

LIC Micro Bachat

LIC Micro Bachat Plan (Table No. 951) is a traditional, non-linked, participating micro-insurance plan that offers dual benefits o... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredEntry Age: 18 to 55 years
Entry AgeMaximum Maturity Age: 70 years
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LIC Komal Jeevan

LIC regularly introduces plans to meet different customer needs. The LIC Komal Jeevan Plan is specially designed for children aged... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum Entry Age: 90 days
Entry AgeMaximum Entry Age: 18 years
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LIC Navjeevan Plan

LIC Navjeevan is a newly launched plan by the Life Insurance Corporation of India. It is a non-linked with profit endowment insura... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age- 90 days
Entry AgeMaximum entry age- 45 years
View plan

LIC SIIP Plan

LIC SIIP is a unit-linked non-participating individual life insurance plan that comes out as an opportunity to monetize the invest... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age- 90 days
Entry AgeMaximum entry age- 65 years
View plan

LIC Bima Shree

LIC Bima Shree Policy is a traditional, non-linked, and with-profit money-back life insurance policy that features guaranteed addi... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
View plan

LIC Nivesh Plus

LIC Nivesh Plus is a unit-linked, non-participating, and single-premium individual life insurance plan. It offers insurance cum in... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum entry age- 90 days
Entry AgeMaximum entry age- 70 years
View plan

LIC Jeevan Akshay VII

Jeevan Akshay VII (Table No. 857) is a single premium, non-linked, and non-participating immediate annuity plan. It pays an annuit... Read More

Unique Features

  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Sum AssuredMinimum Entry Age: 18 years
Entry AgeMaximum Entry Age: 65 years
View plan

Life Insurance Articles

Quick Comparison with Other Insurers

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Expert Reviewed

Reviewed By: Naval Goel

Naval Goel has over a decade of expertise in the insurance sector, having worked with companies like AIG, New York. He is an Associate Member of the Indian Institute of Insurance, Pune, and is authorized by IRDAI to act as Principal Officer of PolicyX.com Insurance Web Aggregator.

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