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HDFC Life Savings claims 8% to 9% guaranteed additions and 220% to 325% guaranteed maturity benefits of the sum assured depending on the term of the policy. One of my blog readers noticed this and shared it with me for review Let's see what the truth is.

Note:- HDFC Life has recently launched a new version of this plan called hdfc sanchay illustration. I wrote a detailed post on this topic. You can refer to a link below for the same.

This is a traditional scheme that is not related to the stock market. How can a product make 8% to 9% guaranteed additions in such a situation

Let's look at the features of the original plan. They are listed below.
  • Guaranteed Benefit payable on maturity, if all outstanding premiums have been paid.
  • Guaranteed benefits will vary depending on the term of the policy from 220% to 325% of the sum insured on maturity.
  • Premium payment for a limited period of 5, 8 and 10 years.
  • Flexibility to choose the terms of the policy from 15 years to 25 years.
HDFC Life Sanchay Benefits
  • Guaranteed Additions
  • Maturity Benefit
  • Death BBenefi
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