Smart Term Pro Plan vs Zindagi Protect Term Insurance Plan 2026 | PolicyX
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HDFC Life Smart Term Pro is a versatile term insurance plan designed for comprehensive life coverage and financial security. It offers a return of total premiums paid on maturity, alongside enhanced protection through optional riders for accidental death
PLAN DETAILS

Smart Term Pro Plan

Zindagi Protect
Premium Including GST
Key Features
(Key features of the plan)
  • Enhanced Protection Through Riders
  • Return of Premium
  • Surrender and Maturity Benefit
  • 6% Discount on Premiums
  • Child Future Protect Benefit
  • Premium Break Benefit
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 50 lakhs to 1 crore
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 Annual, half-yearly, quarterly & monthly
Plan Policy loan The policy loan is not available under HDFC Life Smart Term Pro Plan. Policy loan is not available under the Zindagi Protect Plan.
Plan Sample Premium Rs 645-/ per month Rs 568-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 15 years Maximum term - 40 years Minimum term - 5 years Maximum term - 100 years
Claim Settlement Ratio (2024-25) 99.68% 99.29%
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* 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.

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