HDFC Life Super Income Plan is a participating plan that offers guaranteed income for a period of 8 to 15 years. It also offers an opportunity to participate in the profits of participating fund of the company by way of bonuses. The plan is ideal for individuals who need regular income at their disposal so that they don’t have to worry about future expenses and fulfil their financial goals uninterrupted.Enjoy regular income for period of 8 to 15 years after premium payment term under limited pay option 2. Enjoy regular income from 2nd policy year onwards till the end of Policy Term under single pay option 3. Survival Benefits varying from 3.84% to 12.5% of Sum Assured on Maturity payable each year during payout period.
“Boost your regular income at maturity with reversionary bonuses and terminal bonus*, if any. 5. Range of premium payment and policy term options to meet your income goals. Insurance coverage throughout the policy term This plan is available with a Short Medical Questionnaire (SMQ) based underwriting.”
For Limited Premium Policies:
How much do you get ? Your Total Survival Benefit payouts will be 100% or 120% of Sum Assured on maturity. in addition get bonuses at maturity . Survival Benefit payouts of 6.67 % to 12.5% of Sum Assured on Maturity payable each year . Accrued reversionary bonuses attached to your policy every year + Terminal bonus, if any, paid on maturity
For Single Premium Policies:
How much do you get ? Your Total Survival Benefit payouts will be 100% of Sum Assured on maturity. In addition get bonuses at maturity . Survival Benefit payouts of 100 % of Sum Assured on Maturity divided by Payout period shall be payable each year. Accrued reversionary bonuses attached to your policy every year + Terminal bonus, if any, paid on maturity.
a) Survival Benefit: It will be expressed as percentage of the Sum Assured on Maturity. This guaranteed amount is known to you at the inception and payable at the end of each year during the payout period as per your chosen plan option, provided the policy is in force
The policyholder has an option to receive the future payouts monthly instead of yearly. In such cases, the monthly payout shall be 8% of the annual payout.
b) Maturity Benefit: For a policy where all due premiums have been paid, the maturity benefit will be the aggregate of: 1. Last Survival Benefit payout, 2. Accrued Reversionary Bonuses, 3. Interim Bonus, if any 4. Terminal bonus, if any On payment of the Maturity Benefit, the policy will terminate and no more benefits will be payable. In cases where Life Assured is minor, the policy will automatically vest on him or her on attaining age 18 years.
c) Bonuses: I. Reversionary Bonus: A simple Reversionary Bonus would be declared at the end of each financial year. Same will be expressed as percentage of the Sum Assured on Maturity. Once added to the policy, the bonus is guaranteed to be payable on maturity, provided all due premiums are paid. The Reversionary Bonus is not a guaranteed benefit and would depend on the actual experience with respect to the investment return, expenses, mortality, tax etc and would be declared keeping in mind a long term view of expected future experience. In case of death or surrender during the inter-valuation period the policy will be eligible to receive the interim bonus based on the bonus rates declared by the company. II. Terminal Bonus : A Terminal Bonus may be added to a policy and enables the company to pay a fair share of the surplus provided all due premiums are paid, based on the actual experience over the policy term and allowing for the reversionary bonuses already attached. As the Terminal bonus depends on the actual future experience it is not a guaranteed benefit.
d) Death Benefit: On death of the life assured during the term of the policy, provided all due premiums are paid; we would pay to the nominee the higher of the following: • Sum Assured on Death + Accrued Reversionary Bonuses + Interim Bonus (if any) + Terminal Bonus (if any) • 105% of total premiumspaid^ till date Where, the Sum Assured on Death shall be the higher of: • Sum Assured on Maturity # • 10 times Annualised Premium /Single Premium for entry age up to 50 # years and 7 times Annualised Premium for entry age greater than 50 years On death of the life assured during the payout period, the Death Benefit payable shall not be reduced by the survival benefits already paid. # Annualised premium shall be the premium amount payable in a year excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any. ^ Total Premiums Paid means total of all the premiums received, excluding any extra premium, any rider premium and taxes. On payment of the Death Benefit during the policy term, the policy will terminate and no future payouts will be payable.
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