Smart Term Pro Plan
vs
Sampoorna Raksha Promise
- Affordable Premiums
- Multiple plan options to choose from
- Flexible premium payment options
| PLAN DETAILS |
229-1727340795.webp){kind=logo} Smart Term Pro Plan |
 Sampoorna Raksha Promise |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
|
|
| Plan Maturity age | Maximum Maturity Age - 80 years | Maximum maturity age- 100 years |
| Plan Sum Assured | Basic Sum Assured Rs. 50,000 | Base sum assured- Rs 25 lakhs to No limit |
| Plan Entry Age | Minimum Age - 18 years Maximum Age - 60 years | Minimum age- 18 years, Maximum age- 65 years |
| Plan Payment modes | Annual, half-yearly, & monthly | Yearly, half-yearly, quarterly, and monthly |
| Plan Policy loan | The policy loan is not available under HDFC Life Smart Term Pro Plan. | No policy loan is available under this plan. |
| Plan Sample Premium | Rs 645-/ per month | Rs 655/- per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum term - 15 years Maximum term - 40 years | Minimum term - 1 year Maximum term - 84 years |
| Claim Settlement Ratio (2023-24) | 99.7 | 99.13 |
* 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 term insurance plans using the PolicyX Term Insurance Calculator.
HDFC Life Smart Term Pro is a versatile term insurance plan designed to provide comprehensive life insurance coverage and financial security. This is a non-linked and no-participating plan that offers multiple key features, including flexible premium payment options for 5,8,10,12 years. In case of the unfortunate demise of the insured, the beneficiary receives a death benefit based on the chosen payout option. Moreover, on policy maturity, the plan guarantees the return of the total premium paid. With enhanced protection available through the rider, HDFC Life Smart Term Pro ensures that your loved ones are financially secure.
Let us explore the Smart Term Pro plan in this article.
HDFC Life Smart Term Pro Plan offers you a range of benefits including:
You can add the following riders to your HDFC Life Smart Term Pro term plan:
The HDFC Life Accidental Death, Disability, and Dismemberment Rider provides financial security to your family in the event of an accident that results in disability, dismemberment, or death.
A lump sum amount is offered in case the policyholder is diagnosed with any of the 19 critical illnesses.
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With 9 years of progressive experience in the insurance industry, including 7 years at Policy X, I have honed my expertise in Life and Health Insurance. My strengths lie in devising customer-centric solutions, streamlining insurance processes, and delivering exceptional service. I have successfully led high-performing teams, excelling in business planning, manpower management, and strategic decision-making.
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