Maturity Benefit
How much life insurance do you need?
Use our quick and simple calculator to know what’s ideal for you.
Schedule a call Click here
Give missed call to buy +91-9980970424
Contact Us
For NRI Customers
(To Buy a Policy)
(If you're our existing customer)
For Online Policy Purchase
(New and Ongoing Applications)
Branch Locator
For Existing Customers
(Issued Policy)
Fund Performance Check
Login
Customers
Employees
Partner
In this policy, the investment risk in investment portfolio is borne by the policyholder. The linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
HDFC Life
Click 2 Wealth
UIN: 101L133V03
A Unit Linked Non-Participating Individual Life Insurance Savings Plan
Packed with features, you just can’t go wrong with this choice
Choose from 23 funds options
Unlimited free switching option
Special Addition of 1% of annualized premium for first 5 years1
HDFC Life Click 2 Wealth Fund Performance
List of Funds available with this product
Equity Funds
Debts Funds
Hybrid Funds
All Funds
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
* Data as of 31st July 2025. Past Performance is not indicative of future performance of the fund.
Why HDFC Life Click 2 Wealth is just right for you?
A Unit Linked Non-Participating Individual Life Insurance Savings Plan that offers market linked returns
Choose from 23 funds options to maximize your investment
Enjoy unlimited free switching option
Minimal Charges: Only Fund Management charge towards managing your funds and Mortality charge towards your life cover
Enjoy special addition of 1% of premium allocated to your fund for first 5 years1
All your future premiums will be waived off and your fund will stay invested in case of death of the proposer2
Opt for systematic withdrawal from your funds for post retirement income
Return of Mortality Charges (ROMC) on Maturity: In case of Premium Waiver option, Mortality charges pertaining to only the Life Assured would be refunded3
Choose from 23 funds options to maximize your investment
Enjoy unlimited free switching option
Minimal Charges: Only Fund Management charge towards managing your funds and Mortality charge towards your life cover
Enjoy special addition of 1% of premium allocated to your fund for first 5 years1
All your future premiums will be waived off and your fund will stay invested in case of death of the proposer2
Opt for systematic withdrawal from your funds for post retirement income
Return of Mortality Charges (ROMC) on Maturity: In case of Premium Waiver option, Mortality charges pertaining to only the Life Assured would be refunded3
- For Single premium, the special addition is 1% of the
Single premium at inception only. - This feature is available under the Premium Waiver option.
- ROMC will not be available for the policies where the Waiver of premium benet is triggered due to the death of the proposer. Please read the product brochure for complete details.
- For Single premium, the special addition is 1% of the
Single premium at inception only. - This feature is available under the Premium Waiver option.
- ROMC will not be available for the policies where the Waiver of premium benet is triggered due to the death of the proposer. Please read the product brochure for complete details.
Meet your long term goals
Choose your policy and terms
Choose the options that best suits your life stage
- Invest Plus Option
- Premium Waiver Option
- Golden Years Benefit Option
Invest Plus Option
(Maturity benefits, death benefits, fund boosts and more)
![Heart-Icon]( "Heart-Icon")
Maturity Benefit
-
A classic wealth creation option.
-
Fund Value will be calculated by multiplying balance units in your fund by the then prevailing unit price.
-
At maturity date, the total amount of mortality charges1 deducted in respect of the insurance cover of Life Assured throughout the policy (including mortality charge deducted on top-up Sum Assured as applicable) will be added to the fund value.
-
Disclaimer:
- Excluding extra mortality charge, mortality charge on account of waiver of premium for Proposer & taxes levied on mortality charge as applicable.
For complete details, please read the Product brochure.
![Heart-Icon]( "Heart-Icon")
Death Benefit
-
On Death of Life Assured - Highest of:
- Total Sum Assured less an amount of Partial withdrawals1 made, if any, will be paid to the nominee
- 105% of Total Premiums paid.
- Fund Value
-
Disclaimer:
- The partial withdrawals to be deducted from the Total Sum Assured shall be: All partial withdrawals (except from the top-up fund value) made during the two year period immediately preceding the date of death.
For complete details, please read the Product brochure.
![Heart-Icon]( "Heart-Icon")
Fund Boosters (Added Benefits)
-
At maturity, the total amount of mortality charges1 deducted from the cover will be added to the fund value.
- For Regular and Limited Pay Policies, 1% of your Annualised premium shall be added to the Fund Value at the time of allocation of premium for first 5 policy years.
-
Disclaimer:
- Excluding extra mortality charge, mortality charge on account of waiver of premium for Proposer & taxes levied on mortality charge as applicable.
For complete details, please read the Product brochure.
Check Eligibility Criteria
Before buying HDFC Life Click 2 Wealth
ELIGIBILITY CRITERIA
Eligibility Criteria | Invest Plus | Premium Waiver Option | Golden Years Benefit Option | |
|---|---|---|---|---|
ENTRY AGE | Life Assured: 0 years (30 days) to 60 years | Life Assured: 0 years (30 days) to 60 years Proposer: 18 years to 65 years | Life Assured: 0 years (30 days) to 60 years | |
PREMIUM PAYING TERM | Single Pay Limited: 5, 7 and 10 years Regular: 10 to 40 years |
Limited: 5, 7 and 10 years Regular: 10 to 40 years |
Limited Pay: 10 to 70 minus Age at Entry | |
MATURITY AGE | 18 years to 75 years | 18 years to 75 years | 99 years | |
MINIMUM PREMIUMS |
|
|
| |
MAXIMUM PREMIUMS | No Limit, subject to Board Approved Underwriting Policy (BAUP) | |||
POLICY TERM | 10 to 40 years | 99 minus Age at Entry | ||
If the policyholder opts for the monthly premium frequency, we may collect three months’ premiums in advance on the date of commencement of policy, as a prerequisite to allow monthly mode of premium payment.
Choose your Sum Assured
Parameters | Boundary Conditions | ||
|---|---|---|---|
Minimum | Maximum | ||
SUM ASSURED | Single Pay1 | For Age of Entry < 50 years: 1.25 x Single Premium | Maximum Sum Assured shall be as per Board Approved Underwriting Policy (BAUP). |
Regular & Limited Pay | For Age of Entry < 50 years: 7 x Annualized Premium For Age of Entry >= 50 years: 5 x Annualized Premium | ||
Top-up | 1.25 x Top-up Premium | ||
All ages are of last birthday.
- Not Applicable for Premium Waiver option and Golden Years Benefit option.
ULIPs are simple to understand!
Tune in to this video to know about our ULIPs.
Customise your cover with these riders
Riders in insurance have an important part in contingency planning.
-
![icon]()
HDFC Life Income Benefit on Accidental Disability Rider – Linked
UIN: 101A038V01
A Linked, Non-Participating Pure Risk Premium, Individual Life rider where you can get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.
DOWNLOAD -
![icon]()
HDFC Life Protect Plus Rider – Linked
UIN:101A037V01
A Linked, Non-Participating Pure Risk Premium, Individual Life/Health rider where you can get protected with a proportion of Rider Sum Assured in case of accidental death or partial/total disability due to accident or diagnosed with Cancer.
DOWNLOAD
Not sure which insurance to buy?
Talk to an
Advisor right away
We help you to choose best insurance plan based on your needs
Personal details
Your Required life cover to protect your family’s future is
₹ 0
Recommended plans for you
Frequently Asked Questions
We’ll tell you everything you need to know about HDFC Life Click 2 Wealth
1
What is HDFC Life Click 2 Wealth?
HDFC Life Click 2 Wealth is a Unit Linked Non-Participating Individual Life Insurance Savings Plan that comes with three plan options – Invest Plus, the classic wealth creation option, Premium Waiver option, wherein the future premiums are paid by the Insurer in case of death of the premium payor (different from the Life Assured) & Golden Years Benefit option which provides life cover till 99 years of age.
2
How does Premium Waiver option work?
Under Premium Waiver option, Policy Proposer is different from the Life Assured under the policy. This plan waives off all future premiums in the case of proposer's death. The future premiums are paid off by us to ensure that fund does not stop growing. The Policy continues with risk cover for Life Assured and the accumulated Fund Value is paid on Maturity. This plan is appropriate for an investor who doesn't want any interruption in creating a corpus for achieving the long-term goals of his dependents.
3
How does Golden Years Benefit option work?
Under Golden Years Benefit option, the Life Assured has to pay the premiums for a limited term (till the age of 70 years at max) to enjoy life cover till the age of 99 years. The policyholder can also opt for Systematic Withdrawal facility to generate recurring post retirement income for the accumulated fund.
4
What are the charges under this plan?
HDFC Life Click 2 Wealth - an online ULIP offers a minimal charge structure as stated below:
1. Premium Allocation Charge: Nil
2. Policy Administration Charge: Nil
3. Surrender or Discontinuance Charge: Nil
4. Fund Management Charge –
0.80% p.a. of the fund value, charged daily for Liquid Fund, Bond Plus Fund and Secure Advantage Fund.
1.35% p.a. of the fund value, charged daily, for all other Funds.
0.50% p.a. of the fund value for Discontinued Policy Fund.
5. Mortality Charge: The amount of the charge taken each month depends on your age and level of cover.
6. Partial Withdrawal Charge: Nil
7. Switching Charge: Nil
8. Premium Redirection Charge: Nil
5
Where is the premium amount invested?
HDFC Life Click 2 Wealth gives you option of 23 different funds to invest your money. Each fund has its own Investment policy, based on asset allocation between equity, debt and money market instruments. You can invest in a combination of funds by allocating your fund between different fund options. Also, you can switch between funds using fund switch option at any time without any charge.
6
Is there option for STP?
You can choose to avail Systematic Transfer Plan (STP) which gives you the benefits of rupee cost averaging. The transfer will be done in 12 equal installments. The transfer date can be either 1st or 15th of every month as chosen by you.
7
Can I Top-up my premiums once the policy is active?
You have the option of paying Top-up premiums in this policy. Total Top-up should not exceed the sum total of the regular/ limited premiums paid at that point of time or initial single premium paid. Top-up premiums are not permitted during the last 5 years of the contract. Top-Up Premium will carry a Sum Assured of 125% of the amount of Top-Up Premium.
8
What is the Settlement Option?
The policyholder has the option to take the maturity benefit in periodical installments over a period, which may extend to 5 years, first installment payable on the maturity date.
9
Do I get any benefit on Survival?
On survival of the life assured till the end of the Policy Term (maturity) under all options, the Life Assured will receive the Fund Value as a lump sum benefit.
10
How is Fund Value calculated?
Fund Value will be calculated by multiplying balance units in your fund(s) by the then prevailing unit price(s).
11
What is the death benefit?
Sum Assured on death is payable as a lump sum on death of the life assured during the Policy Term.
Sum Assured on death of the Life Assured is the highest of:
- Total Sum Assured less an amount for Partial withdrawals* made, if any, where Total Sum Assured is Basic Sum Assured plus any additional Sum Assured in respect of Top-ups
Total Fund value
105% of Total premiums paid
On death of the Proposer (for Premium Waiver option only):
In case of death of the Proposer for a premium paying policy, all future premiums are waived. On each future premium due date(s), an amount equal to the modal premium shall be credited to the Fund Value. The Policy shall continue until maturity with risk benefits continued on the life of the Life Assured. Upon maturity, the maturity benefit shall become payable.
*The partial withdrawals to be deducted from the Total Sum Assured shall be: All partial withdrawals (except from the top-up fund value) made during the two year period immediately preceding the date of death. Upon payment of the death benefit, the Policy shall terminate and no further benefits are payable
12
How do Systematic (Recurring) withdrawals work?
The policyholder can submit a request for Systematic withdrawals during the Policy term. Under this, at the selected payout frequency, an amount selected by the policyholder will be deducted from the fund and paid out to him. The customer can use this option to generate a supplementary guaranteed income.
13
Is there an option for partial withdrawal in case I am in need of funds?
You can withdraw money from your funds to meet any future financial emergencies. Lump sum partial withdrawals can be made from your funds after 5 complete policy years, provided the Life Assured is at least 18 years of age.
14
Can I surrender this policy?
Yes,you can surrender your policy subject to lock in period of 5 years. Once you surrender your policy, your risk cover will cease and surrender benefit will be paid out depending upon the year in which the policy is surrendered. Please refer to product brochure for more details.
15
Is there a loan facility in my policy?
No policy loans are available for this product.
16
Can I save tax by investing in this policy?
Tax Benefits may be available as per the provisions of the Income-tax Act, 2025 (Corresponding Income-tax Act, 1961) as amended from time to time. Tax benefits are subject to changes in tax laws. The customer is requested to seek tax advice from his chartered accountant or personal tax advisor with respect to his personal tax liabilities under Indian Income-tax law.
17
What are the various fund options available in this plan?
1. Diversified Equity Fund
2. Blue Chip Fund
3. Balanced Fund
4. Bond Fund
5. Discovery Fund
6. Equity Advantage Fund
7. Opportunities Fund
8. Liquid Fund
9. Bond Plus Fund
10. Secure Advantage Fund
11. Sustainable Equity Fund
12. Flexi Cap Fund
13. Midcap Momentum Fund
14. Nifty Alpha 30 Fund
15. Top 500 Momentum 50 Fund
16. Dynamic Advantage Fund
17. Top 300 Alpha 50 fund
18. Top 500 Multifactor 50 Fund
19. India Consumption Advantage Fund
20. India Sector Leaders Opportunities Fund
21. Top 500 Smart Value 50 Fund
22. Dividend Leaders Advantage Fund
23. Top 200 Equal Weight Fund
In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year
HDFC Life Click 2 Wealth (UIN-101L133V03) is A Unit Linked Non-Participating Individual Life Insurance Savings Plan. HDFC Life Income Benefit on Accidental Disability Rider – Linked (UIN: 101A038V01) is a Linked, Non-Participating Pure Risk Premium, Individual Life Rider. HDFC Life Protect Plus Rider – Linked (UIN: 101A037V01) is a Linked, Non-Participating Pure Risk Premium, Individual Life/Health Rider. Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Click 2 Wealth (UIN-101L133V03) is only the name of the unit linked life insurance contract. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
Life insurance coverage is available in this product.
For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully.
T&C
- For Single premium, the special addition is 1% of the Single premium at inception only
Riders / Add-Ons can be availed upon payment of additional premium.
ARN: PP/09/26/38751
