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HDFC Term Insurance

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HDFC Term Insurance
Highlights
Claim Settlement Ratio98.01%
Customer Care9:00 AM to 9:00 PM
Death Benefit Paid For12,509 Policies
Inception2000
Presence421 Branches
Total Death Benefit PaidRs. 50.33 Crore

Term Life Insurance Premium Calculator

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Disclaimer :
1. Premium has been calculated for coverage till 60 years
2. Eligibility depends on income, occupation and educational qualification

Best HDFC Term Insurance Plans

1 Crore
1.5 Crore
  • LIFE COVER
    Tax Free
    1 Cr
  • CLAIMS SETTLED 99.51%
Starting From 706/Month
24hr Claim Settlement
Key Features:
  • Special Exit
  • Terminal Illness
  • Nominee's Choice payout
  • Voluntary Top Up
  • Tax Benefits
  • LIFE COVER
    Tax Free
    1 Cr
  • CLAIMS SETTLED 99.7%
Starting From 787/Month
24hr Claim Settlement
Key Features:
  • Tax Benefits
  • LIFE COVER
    Tax Free
    1 Cr
  • CLAIMS SETTLED 97.84%
Starting From 857/Month
24hr Claim Settlement
Key Features:
  • Waiver of Premium on Disability
  • Terminal Illness
  • Life Stage Benefit
  • Tax Benefits
See More Plans

About HDFC Term Insurance

HDFC Life Term Insurance enables policyholders to secure the future of their loved ones. In addition to providing a wide range of term insurance plans, the company also offers numerous other life insurance products like child plans, retirement plans, ULIP plans, and more.

HDFC Life is an excellent company to create savings and ensure protection for our loved ones. The company began operations in August 2000 and is headquartered in Mumbai, India. Since its establishment, the company has grown immensely and started operating in 372 branches across the country.

Investing in HDFC Term Insurance plans is safe as the company provides its customers with a seamless and hassle-free claim settlement process. Additionally, the claim settlement ratio of the company is 98.66%, making it reliable and trustworthy for the policyholders. The customer support team at HDFC Life works 24*7 and provides anytime assistance to policyholders. Furthermore, you can contact customer service on WhatsApp for any support related to claims, renewals, premium payments, and more.

What is Term Insurance?

Term insurance is a precise life insurance variant with a defined duration, typically 10, 20, or 30 years. In the event of the insured's demise during this term, beneficiaries receive a predetermined death benefit. Nominees can use the death benefit to fulfill their financial needs even in the absence of the breadwinner of the family.

HDFC Term Insurance Plans

Term insurance is a life insurance policy that provides financial protection to the policyholder's family in the event of their unfortunate demise. HDFC Term Insurance Plans are a cost-effective way to protect your family's future.

Here’s a list of some term insurance plans offered by HDFC Life Insurance Company:

Plan Name

Entry Age

Maturity Age

Sum Assured

HDFC Life Click 2 Protect Super

18- 84 years

18- 85 years

Rs. 5000- no limit

HDFC Life Click 2 Protect Life

18-65 years

28- 75 years

Rs. 50,000- no limit

HDFC Life Term with Return of Premium

18- 50 years

10- 30 years

Rs. 5 lakhs- 25 lakhs

Quick Protect by HDFC Life

18- 50 years

23- 75 years

Rs. 25 lakhs- 75 lakhs

HDFC Life Saral Jeevan Bima

18- 65 years

23- 70 years

Rs. 5 lakhs- no limit

HDFC Life Smart Term Pro

18- 60 years

15- 40 years

Rs. 15 lakhs- N/A

HDFC Life Smart Term Edge

18-60 years

N/A- 75 years

Rs. 5 lakhs- N/A

HDFC Life Click 2 Protect Super

This HDFC Life Term Insurance Plan is a non-linked, non-participating, and pure-risk premium savings plan. The policyholders of this term insurance policy can choose from multiple coverage options. The key features of the HDFC Life Click 2 Protect Super Plan are highlighted below:

  • On surviving the maturity period, get back all premiums paid with the Return of Premium option.
  • In case of accidental death during the policy tenure, an additional amount is paid to the nominee.
  • If the policyholder is diagnosed with any specific terminal illness till the age of 80 years, the Acceleration of Death Benefit is paid.
  • Waiver of premium and total & permanent disability rider options are available.
  • Option to include additional cover for a spouse.

HDFC Life Click 2 Protect Life

It is a non-linked, non-participating, individual life savings plan that provides the option to avail of whole-life coverage. You can buy this plan to secure the needs of your family during uncertain times. The key features of HDFC Life Click 2 Protect Life are highlighted below:

  • In case of accidental death, an additional sum assured is given to the nominees.
  • Get maturity benefits with the Return of Premium option.
  • Discounts and special offers for female and non-tobacco users.
  • With the Income Plus Option, get the income payouts from age 60.
  • Flexibility to reduce premium payment terms from regular to limited pay.

HDFC Life Term with Return of Premium

HDFC Life Term with Return of Premium Plan is a non-linked, non-participating, individual life savings plan. It is an ideal term insurance plan for those who want to secure the future of their families at an affordable premium. The key features of this HDFC Life Term Insurance Plan are highlighted below:

  • Get insured without undergoing any medical examination
  • Select between different premium payment terms
  • Get the return of the total premium at the maturity of the policy tenure
  • Get additional discounts on the high sum assured
  • The grace period of 15 days to renew your expired HDFC Life Term with the Return of Premium

Quick Protect by HDFC Life

It is a comprehensive term insurance plan that provides enhanced protection against disease, disability, and death. The policyholders can customize their Quick Protect by HDFC Life as per their convenience. The key features of this HDFC Life Term Insurance Plan are highlighted below:

  • Coverage against 19 critical illnesses with Critical Illness Rider
  • Customise your plan as per your specific needs
  • Get life coverage with extended protection against accidental death
  • In the case of total permanent disability, a regular monthly payout is made for 10 years
  • No medical examination is required

HDFC Life Saral Jeevan Bima

The Saral Jeevan Bima by HDFC Life is a non-linked, non-participating, and pure risk life savings term plan. This HDFC Life Term Insurance Plan enables policyholders to secure the future of their loved ones with ease. The key highlights of this plan are highlighted below:

  • Choose from single, regular and limited premium payment terms as per your specific needs.
  • Enhance the protection of your plan by including riders
  • Get tax benefits as per the prevailing terms and conditions of the Income Tax Act, of 1961
  • Renew your expired term insurance policy in a grace period of 15 days.

HDFC Life Smart Term Pro

This is a term life insurance plan that provides both maturity and death benefits to the policyholders. It is a non-linked, non-participating, individual life insurance plan that will ensure financial protection for your loved ones. The key features of HDFC Life Smart Term Pro are highlighted below:

  • Enhance the coverage of your HDFC Life Term Plan by purchasing riders
  • Get life insurance coverage for the entire policy tenure
  • Get maturity benefits for surviving the policy tenure
  • Choose to pay premiums for up to 12 years as per your specific needs
  • The death benefit is paid in case of the demise of the life assured

HDFC Life Smart Term Edge

It is a non-linked and non-participating term insurance plan that provides affordable life coverage to policyholders. The plan provides coverage for individuals up to the age of 75. The key features of this HDFC Life Term Insurance Plan are highlighted below:

  • Select from three plan variants- classic, step-up, and comprehensive plan.
  • Enhance the protection of your plan by purchasing riders like critical illness benefits and accidental death benefit riders.
  • Get a 150% return on premium for surviving the policy tenure upon maturity.
  • Choose from monthly, half-yearly, and annual premium payment options.

How Does the HDFC Term Insurance Plan Work?

HDFC Life Term Insurance Plan offers financial security for a chosen period. Policyholders pay regular premiums, and if the insured person passes away during the policy term, beneficiaries receive a lump-sum death benefit. The plan doesn't accumulate cash value, keeping the focus on pure protection. It provides options like coverage for critical illnesses or disability. Premiums are generally lower for younger, healthier individuals. Policyholders can renew or convert the plan based on their needs. It's an affordable way to ensure your family's well-being and financial stability in case of an unfortunate event during the policy's tenure.

Why Choose HDFC Life Term Insurance Plans?

HDFC Life is one of the best life insurance companies in India. The company provides the best services to its customers. Read on to find out more benefits of investing in the HDFC Life Term Insurance Plan:

  • Affordable Life Coverage: The policyholders of the HDFC Life Term Insurance Plan can easily save without worrying about their budget. HDFC Life provides the option to select from numerous term insurance plans. The policyholders can go through the features and benefits of these plans to buy the one that best suits their needs.
  • Financial Security: When it comes to our family, we always think of providing the best, even when we are not around them. HDFC Life Term Insurance is a tool that will allow you to secure the future of your family. During times of uncertainty, the term insurance plan will bring a sense of security among the policyholders' nominees.
  • Enhanced Protection: With the HDFC Life Term Insurance Plan, policyholders can enjoy comprehensive protection. HDFC Life provides numerous riders, which you can purchase with your standard term insurance plan by paying an extra premium.
  • WhatsApp Assistance: HDFC Life provides the best customer support to its customers. In case of any assistance related to claims, renewals, premium payments, and more, the policyholders can visit the official website of the company and scan the QR code for WhatsApp assistance.
  • High Claim Settlement Ratio: High claim settlement ratio of HDFC Life Insurance is one of the best reasons to invest in term insurance plans offered by the company. This will ensure that your dependents are financially protected in the event of any unfortunate happenings, like the policyholder’s death.
  • Easy Comparison of Plans: HDFC Life allows its customers to purchase term life insurance plans online at their convenience. As a result, you can compare different plans offered by the company online and select the one that best suits your needs.

HDFC Life Term Insurance Premium Calculator

HDFC Life's term insurance premium calculator allows you to determine the premium amount that policyholders may have to pay against their term plan. An insurance plan premium depends on certain factors such as insured age, sum assured chosen, policy tenure, and lifestyle habits.

Benefits of the HDFC Life Term Insurance Calculator

HDFC Life premium calculator will certainly be helpful to compare the plans. Read on to find out more benefits in detail.

  • Easy to Use: HDFC Life Term Insurance premium calculator is easy and convenient to use. All you need to do is to visit the HDFC Life company page of InsuranceDekho and provide some personal details to get a list of the best term insurance quotes.
  • Compare Plans Easily: HDFC Life provides a wide range of term plans to the policyholders. It may get daunting for you to compare and select the most affordable plans. But, with HDFC Life Term Insurance Premium Calculator you will get filtered term plans that may suit your needs.
  • Free of Cost: The Customers can use the HDFC Life term insurance premium calculator free of cost. You can either go to the official website of HDFC Life or the company page of InsuranceDekho to compare different term plans.
  • Time-saving Process: HDFC Life premium calculator is quick and easy to use. Furthermore, when you compare different plans manually, it becomes a tedious process. But, using an online premium calculator, you will able to choose the best term insurance plan for yourself in minutes.

How to Use HDFC Term Insurance Premium Calculator?

Here’s the process to use the HDFC Life Term Insurance Premium Calculator online:

  • Visit the HDFC Life company page of InsuranceDekho.
  • Enter your personal information such as birth date, age, gender, and more.
  • Click “submit.” A new page will appear on your screen. Enter policy details like the sum assured and policy tenure.
  • Hit the “calculate premium” button.
  • The premium amount that you need to pay against your HDFC Term Insurance plan will be displayed on your screen.

Types of HDFC Term Insurance Plans

HDFC Life offers a variety of term insurance plans to cater for the unique needs of individuals. These include:

  • Term Insurance with Return of Premium (TROP): With this type of plan, if you outlive the policy term, you receive a refund of the total premiums paid over the term. TROP plans generally have higher premiums compared to standard term plans.
  • Increasing Term Insurance: Here, the death benefit amount increases over time while the premium remains constant. This type of plan is designed to keep up with inflation and rising financial needs.
  • Family Income Benefit: This plan pays out a regular income to your beneficiaries instead of a lump sum in the event of your death. The income is provided over the remaining term of the policy.

Riders Available With HDFC Term Insurance Plans

Some of the riders available with HDFC Life term insurance plans are as follows:

  • HDFC Life Income Benefit on Accidental Disability Rider: The HDFC Life Income Benefit on Accidental Disability Rider provides additional financial benefits which are over and above the sum assured.
  • HDFC Life Critical Illness Plus Rider: This rider provides financial assistance to the policyholder and nominees in case the policyholder is diagnosed with a critical illness.
  • HDFC Life Protect Plus Rider: If the policyholder is diagnosed with an accidental or permanent disability, then the HDFC Life Protect Plus Rider provides financial protection to the policyholders.

Process To Buy HDFC Life Term Insurance Plan?

Listed below are the steps in which you can easily buy HDFC Life term insurance plans with InsuranceDekho:

  • Go to the official website of InsuranceDekho and click on term insurance
  • Enter details like your age, salary, and more. After you have successfully entered all the details, you will be able to view term insurance plans
  • Click on a desired term insurance plan of HDFC and proceed with buying it
  • After you have successfully paid the term insurance premium for HDFC term insurance plan, you will receive the policy details on your registered email id.

HDFC Term Insurance Plan Claim Settlement Process

HDFC Life Insurance claims settlement process is smooth and convenient. The company provides both online and offline processes to settle your claim. Read on to find out the steps that you need to take in each case:

Process to Claim HDFC Term Insurance Online

  • Reporting of Claim

Visit the official website of HDFC Life Insurance. Go to the claim settlement section. Then click on the Individual Death Claim section.

  • Verify Policy Details

Fill in the important details of your policy like Policy Number, Date of Birth, Date of Death, and Mobile Number on the respective page.

  • Claim Evaluation

After this, your claim will be evaluated and investigated based on the information you provided.

  • Claim Decision and Settlement

At the final stage, your claim would be approved and settled. Payment is made to the nominee's bank account or through cheques. If the policy is bought online, the claim will be settled within 24 hours.

Process to Claim HDFC Term Insurance Offline

A HDFC Life Term Insurance Claim can be settled offline by visiting the local HDFC Life branch office. You can visit the branch by selecting it from the 'How to Make a Claim' section. It will take you to the HDFC Life Branch Locator, where you can identify the nearest HDFC Life branch and register a claim.

Documents Required To Claim HDFC Life Term Insurance Plan

The table below highlights the list of documents that you will require to claim your HDFC Life Term Insurance Plan in each case:

Type of Death

Documents Required

Natural Death

  • Government or authorised authority-issued death certificate
  • Claim form for death
  • Policy Document - original
  • Nominee Identity and residence proof
  • Any medical records at the time of death and previous illnesses
  • NEFT bank account details
  • Maturity, Money Back & Pension, annuity claim documentation list

Accidental Death

  • Government or authorised authority issued death certificate
  • Policy Document - original
  • Nominee Identity & Residence Proof
  • FIR and police report
  • Post Mortem report
  • NEFT bank account details
  • Maturity, Money Back & Pension, annuity claim documentation list
  • Any other additional documentation may be required as per case to case basis

Disasters or Natural Calamities

  • Government or authorised authority-issued death certificate
  • Claim form for death
  • Policy Document - original
  • Nominee Identity and residence proof
  • Any medical records at the time of death and previous illnesses
  • NEFT bank account details
  • Maturity, Money Back & Pension, annuity claim documentation list

Critical Illness Claim

  • Properly filled Claim form of Critical Illness
  • All medical records (past and current) including diagnostics test
  • Policy Document - original
  • Beneficiary/Nominee Identity & Residence Proof
  • NEFT bank account details
  • Maturity, Money Back & Pension, annuity claim documentation list
  • Any other additional documentation may be required as per case to case basis

Exclusions Under HDFC Life Term Insurance Plan

HDFC Life Term Plans provide coverage only for certain types of deaths. Therefore, death by suicide is excluded from the plan. If the policyholder, whether sane or insane, commits suicide within 12 months of the start of the insurance term, the death benefit is revoked. If the nominee dies as a result of suicide within 12 months of reviving the insurance, the nominee will receive only 80% of the premium paid.

Why Should You Purchase Term Insurance?

The reasons to buy term insurance are highlighted below:

  • Financial Protection: Term insurance ensures that your loved ones are financially secure in case of your untimely demise, providing a lump-sum payout that can cover living expenses, debts, and future goals.
  • Affordability: Term insurance offers substantial coverage at lower premiums compared to other life insurance types, making it an economical way to secure your family's future.
  • Specific Goals: You can tailor the policy term to align with specific milestones like children's education or marriage, ensuring funds are available when needed.
  • Debt Coverage: If you have loans or mortgages, term insurance safeguards your family from inheriting these financial obligations.
  • Tax Benefits: Premiums paid for term insurance are eligible for tax deductions under Section 80C of the Income Tax Act (subject to prevailing tax laws).
  • Flexibility: Some policies offer optional riders, such as critical illness or disability coverage, enhancing protection against unforeseen health challenges.
  • Peace of Mind: Knowing that your loved ones will have financial security even in your absence brings peace of mind and relieves worries about their future well-being.

Who Should Buy Term Insurance?

Term insurance is ideal for the following individuals:

  • Newly-Weds: A term plan can be beneficial to newlywed couples. The coverage will provide financial assistance to their spouse when they are most in need. A term plan is an essential component of any successful financial plan for young couples seeking financial independence.
  • Parents: Parents are constantly concerned about their children's future. A term plan gives parents peace of mind. They can be confident that their child will be financially secure even if something happens to them. They never have to worry about their child abandoning their aspirations since a term plan will provide a financial safety net.
  • Young Workers: A term plan is appropriate for young professionals who have limited financial obligations, such as a vehicle loan or a personal loan EMI. They make certain that their parents and loved ones have the financial resources necessary to pay off their obligations in the event of their death.
  • Working Women: Nowadays, young women manage their own budgets. Many people take on the job of sole breadwinner and financially support their families. With a term plan, these ladies can ensure financial stability for their parents, spouses, and children. The payoff from such a policy could help their loved ones fulfill future financial goals or pay off any remaining debts.
  • TaxPayers: If your income is taxable, one of the best ways to save on taxes is to buy a term insurance plan. According to Sections 80C and 80D of the Income Tax Act, 1961, a premium paid and the death benefit received for a term insurance plan are tax deductible.
  • Retirees: People work their entire lives in order to enjoy their retirement with peace of mind. In the later years, having a term insurance plan provides financial stability for your spouse. If any unfortunate incident occurs to you, the policy payout would allow them to maintain their standard of living even if they did not have a consistent income.

Factors Affecting HDFC Life Term Insurance Premium

Several factors influence the premium of a term insurance policy. These include:

  • Age: Younger individuals usually pay lower premiums as they are perceived to have a longer life expectancy.
  • Coverage Amount: Higher coverage leads to higher premiums.
  • Policy Term: Longer terms may result in higher premiums due to an increased likelihood of a claim.
  • Health Condition: Better health often leads to lower premiums, while pre-existing medical conditions can raise the cost.
  • Gender: Women typically have longer life expectancies and may pay lower premiums.
  • Smoking/Tobacco Use: Smokers are considered higher risk and usually have higher premiums.
  • Lifestyle Habits: Risky hobbies or occupations can impact premiums.
  • Medical History: Family medical history and personal medical records can influence premiums.
  • Riders: Adding riders like critical illness or disability coverage will increase premiums.
  • Payment Frequency: Annual payments may be cheaper than monthly installments.
  • Policy Type: Return of Premium (ROP) policies have higher premiums than basic term policies.

How To Choose the Best Term Insurance Plan?

Choosing the best term insurance plan involves careful consideration of various factors to suit your needs. Here's a guide in 7 points:

  • Assess Coverage Needs: Calculate the financial needs of your dependents, considering existing debts, future expenses, and goals. Choose a coverage amount that adequately safeguards their well-being.
  • Policy Term: Determine the duration you need coverage for, aligning with specific milestones like education or retirement. Ensure the policy term is sufficient to meet your family's needs.
  • Compare Premiums: Obtain quotes from different insurers for the same coverage and term. Compare premiums to find an affordable option that offers the desired benefits.
  • Claim Settlement Ratio: Research insurers with a high claim settlement ratio, indicating a reliable track record of honoring claims promptly.
  • Riders and Add-ons: Evaluate optional riders like critical illness, disability, or accidental death benefits. Choose riders that complement your protection needs.
  • Policy Exclusions: Understand policy exclusions and limitations. Ensure you're aware of scenarios where the policy may not provide coverage.
  • Customer Reviews and Support: Research customer reviews and feedback about the insurer's customer service quality and responsiveness.

When is the Right Time to Buy HDFC Life Term Insurance Plans?

There is no right time to buy HDFC Life term insurance plan. It should be ideally bought when you have lesser financial responsibilities. This is because when you buy HDFC term insurance plans in your early stage, you are more likely to get term insurance plans at affordable premiums. Moreover, the chances of succumbing to health problems are also lower during such time, and so is the term insurance premium lower. So, buy HDFC Life term insurance plans as early as you can and secure the future of your loved ones.

How To Select the Right Term Insurance Policy Tenure?

Choosing the right term insurance policy tenure is an important decision that depends on your individual circumstances, financial goals, and responsibilities. Here are some factors to consider when selecting the appropriate term for your term insurance policy:

  • Age and Life Stage: Your current age and life stage play a significant role in determining the policy tenure. If you're younger, you might opt for a longer policy term to ensure coverage during your prime earning years. If you're older, a shorter term might align with your retirement age or when your financial responsibilities decrease.
  • Financial Responsibilities: Consider your current and anticipated financial responsibilities. If you have young children or dependents who will need support for many years, a longer policy term may be suitable. If you're close to paying off major debts (like a mortgage) or your children are becoming financially independent, a shorter term might be more appropriate.
  • Income and Earnings Potential: Your earning potential over the policy term can influence your decision. A longer term might be preferable if you expect your income to rise significantly, as it ensures a higher coverage amount during your peak earning years.
  • Outstanding Debts: If you have substantial debts that will take time to repay (such as a long-term mortgage), choose a term that covers the repayment period. This ensures that your family isn't burdened by the debt if you pass away unexpectedly.
  • Dependents' Needs: Consider how long your dependents (spouse, children) will rely on your income. If you have young children, you might want coverage until they graduate from college. For a non-working spouse, you might want to cover them until retirement age.
  • Retirement Age: Your planned retirement age is an important factor. Choose a term that provides coverage until you've accumulated enough retirement savings or reached a point where your dependents' financial needs decrease significantly.
  • Financial Goals: Assess your long-term financial goals, such as funding your children's education or leaving a legacy for your heirs. Select a term that aligns with these goals.
  • Health and Lifestyle: Your health and lifestyle can impact your policy options. If you're in good health, you might opt for a longer term. However, if you have health concerns, a shorter term might be more practical.

How Does a Term Plan Secure Your Family's Future?

A term insurance plan can play a crucial role in securing your family's future by providing financial protection and stability in the event of your untimely death. Here's how a term plan achieves this:

  • Income Replacement: If you are the primary breadwinner of your family, your sudden demise could leave your family without a source of income. A term insurance plan ensures that your family continues to receive financial support even after you're gone. The death benefit paid out by the policy can replace lost income, helping your family maintain their lifestyle, pay bills, and cover day-to-day expenses.
  • Debt Repayment: A term plan can help your family manage any outstanding debts, such as a mortgage, car loans, or personal loans. The death benefit can be used to repay these debts, preventing your family from being burdened by financial liabilities.
  • Education Fund: If you have children, a term insurance plan can ensure that funds are available to cover their education expenses, including school fees, college tuition, and other related costs. This helps your children continue their education without interruption, even in your absence.
  • Medical Expenses: In addition to regular living expenses, a term plan's payout can help cover any medical bills or healthcare expenses that may arise due to illness or accident, reducing the financial strain on your family during difficult times.
  • Peace of Mind: Knowing that your family is protected by a term insurance plan can give you peace of mind. It relieves you of worries about your family's financial well-being and ensures that they are taken care of no matter what happens to you.

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Claim Process at HDFC Term Insurance

  • 1

    Claim Intimation

    In the case of death of the life assured, a claim intimation to the insurance company must be made as early as possible.
  • 2

    Submission of Documents

    Claim form, death certificate, original policy document, and more documents must be submitted to ensure smooth claim settlement.
  • 3

    Claim Evaluation

    Once the documents are submitted, the insurance company will conduct thorough evaluation of the claim filed.
  • 4

    Claim Settlement

    If claim request is approved, claim settlement is done within 30 days. If additional investigation is required, it make take 6 months.
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FAQ About HDFC Term Insurance

  • What are Term Insurance Riders?

    A term insurance rider is an extra attachment that provides you with additional coverage for an additional fee. A rider can enhance your overall term policy by providing numerous additional benefits over what your term insurance plan already offers.

  • When is the right time to purchase the HDFC Life Term insurance plan?

    The best time to buy an HDFC Life term insurance plan is when you’re young and in relatively good health. This will help you to get your premium at an affordable rate.

  • What are the minimum and maximum age to buy an HDFC Life term insurance plan?

    The minimum age to buy an HDFC Life term insurance plan is 18 years and the maximum age is 65 years.

  • Can my HDFC Life Term insurance premium change after a period of time?

    Yes, your premium can change depending on many factors like additional riders coverage, lifestyle changes, etc.

  • Can NRIs purchase HDFC Life Term insurance plans?

    Yes, NRIs who have legal citizenship of India can purchase HDFC life term insurance plans.

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