Hdfc Life Uday Plan vs Icici Life Guaranteed Income For Tomorrow Life Insurance Plan 2026 | PolicyX
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Invest today for a worry-free tomorrow with the HDFC Life Uday Savings Plan for a brighter future.

HDFC Life Uday, from HDFC Life Insurance, is a guaranteed savings plan that offers the dual benefit of wealth creation and family protection. Upon your unfortunate death, your family will receive a lump sum death benefit. If you outlive the policy term, you will receive a maturity benefit. You will also get 3% p.a. guaranteed additions during the first five policy years.

The insurer pays a cash bonus to the policyholder at the end of each financial year. If you do not wish to continue your policy, you can surrender it and receive a Guaranteed Surrender Value (GSV). The plan also offers Auto Cover Continuance, where your death benefit continues for the next year even if you miss a premium payment. HDFC offers a discount on a high sum assured of ₹2 lakhs and above.

HDFC Life Uday is a non-participating, non-linked savings life insurance plan.

HDFC Life Uday Plan offers a range of benefits including:

  • 2 Policy Term Options
  • Tax Benefits
  • Additional Death Benefits
  • Cash bonuses
  • Auto Cover Continuance
  • Discounts
PLAN DETAILS

Hdfc Life Uday Plan

Icici Life Guaranteed Income For Tomorrow
Premium Including GST
Key Features
(Key features of the plan)
  • Discount on Sum Assured
  • Guaranteed Additions
  • 2 Rider Benefits
  • Discount on Sum Assured
  • Guaranteed Additions
  • 2 Rider Benefits
Plan Maturity age Maximum maturity age: 70 years Maximum Maturity Age - 70 years
Plan Sum Assured Minimum: 8 years Maximum: 10 years 5/6/7/8/10/12 Years
Plan Entry Age Minimum Age: 18 years Maximum Age: 55 years Minimum Age - 18 years Maximum Age - Policy Term
Plan Payment modes Minimum: Rs. 28,465 Maximum: No limit NA
Plan Policy loan Monthly, Quarterly, Half-Yearly, or Annually Lump Sum/ Yearly/ Half-Yearly/ Monthly
Plan Sample Premium - -
Plan Brochure Brochure URL Brochure URL
Policy Term 12 to 15 years 5 years to 20 years
Claim Settlement Ratio (2024-25) Minimum Age - 5 year Minimum Age - 5 year

* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above life insurance plans using the PolicyX Life Insurance Calculator.

Riders

Benefits of ICICI Guaranteed Income for Tomorrow

There are various benefits to buying the ICICI Guaranteed Income for Tomorrow Plan. Let’s understand each of them in detail:

  • Guaranteed Maturity Benefit: Once you outlive your policy term, you shall receive a guaranteed lump sum maturity benefit.
  • Death Benefit: On the policyholder's unfortunate death during the policy term, the insurance cover amount will be paid out as a lump sum to the nominee.
  • Survival Benefit: You get a fixed proportion of your annual premiums as a Survival Benefit.
  • Surrender Benefit: If you don't feel like continuing your policy, you can exit at any stage after paying two full years' premium. For Single Pay plans, the surrender value is obtained immediately after paying a premium.

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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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