1.

Protection Plans
Why do I need Protection Plans? Protection Plans help you shield your family from uncertainties in life due to financial losses in terms of loss of income that may dawn upon them incase of your untimely demise or critical illness. Securing the future of one's family is one of the most important goals of life. Protection Plans go a long way in ensuring your family's financial independence in the event of your unfortunate demise or critical illness. They are all the more important if you are the chief wage earner in your family. No matter how much you have saved or invested over the years, sudden eventualities, such as death or critical illness, always tend to affect your family financially apart from the huge emotional loss. For instance, consider the example of Amit who is a healthy 25 year old guy with an income of Rs. 1,00,000/- per annum. Let's assume his income increases at a rate of 10% per annum, while the inflation rate is around 4%; this is how his income chart will look like, until he retires at the age of 60 years. At 50 years of age, Amit's real income would have been around Rs. 10,00,000/- per annum. However, in case of Amit's unfortunate demise at an early age of 42 years, the loss of income to his family would be nearly Rs. 5,00,000/- per annum.

However, with a Protection Plan, a mere sum of Rs. 2,280/- annually (exclusive of service tax & educational cess) can help Amit provide a financial cushion of up to Rs. 10,00,000/- for his family over a period of 25 years.

Types of Protection Plans Our range of Protection Plans includes HDFC Term Assurance Plan HDFC Click 2 Protect HDFC Premium Guarantee Plan HDFC Loan Cover Term Assurance Plan HDFC Home Loan Protection Plan*

a. HDFC Life Click 2 Protect Looking for an easier way to insure yourself and secure your loved ones happiness? You know that the solution is a term insurance plan and you seek a plan that is convenient to buy and is affordable. Your search ends here. HDFC Life is happy to present the perfect plan for your protection needs HDFC Life Click 2 Protect! HDFC Life Click 2 Protect is a term insurance plan. This plan provides for a payment of a lump sum in the event of your unfortunate death during the policy term. Features

; Advantages Buy this plan at click of button , anytime & anywhere High cover at a very nominal cost. Flexibility to choose the Sum Assured and policy term Attractive premium rates for Non tobacco user and those with healthier lifestyle. Tax benefits under sections 80Cand 10(10D) of Income Tax Act, 1961.

b. HDFC Term Assurance Plan Term Assurance plan is designed to help secure your family's financial needs in case of uncertainties. The plan does this by providing a lump sum to the family of the life assured in case of death or critical illness (if option is chosen) of the life assured during the term of the contract. One can choose the lump sum that would replace the income lost to one's family in the unfortunate event of one's death. This helps your family to maintain their financial independence, even when you are not around. Features

; Advantages High cover at a very nominal cost. Flexibility to choose the Sum Assured. Additional benefit options can be availed at marginal costs. Premium amount remains the same over the term of the policy in case of regular premium Option of paying single premium or regular premium. Tax benefits under sections 80C, 80D and 10(10D) of Income Tax Act, 1961.

c.

HDFC Premium Guarantee Plan

HDFC Premium Guarantee Plan is an insurance plan that comes with twin advantage of protection and return of premiums* on maturity. So, you can enjoy life knowing that your familys financial independence is secure even in your absence. And your premiums are yours on your survival at maturity. Features

Advantages High cover at a very nominal cost. Flexibility to choose the Sum Assured. Return of all your premiums paid on maturity*

Tax benefits under sections 80C and 10(10D) of Income Tax Act, 1961.

d. HDFC Loan Cover Term Assurance Plan This plan aims to protect your family from your loan liabilities in case of your unfortunate demise within the policy term. It provides the beneficiary with a lump sum amount, which is a decreasing percentage of the initial Sum Assured. This means that as the outstanding loan decreases as per the loan schedule, the cover under the policy also decreases as per the policy schedule. Features

Advantages Flexibility to choose the Sum Assured. Decreasing Sum Assurance as the outstanding loan decreases ensures that you do not pay for the protection you don't need. Additional Optional Benefit is available at a nominal cost. Option of paying single premium or regular premium. Tax benefits are offered under section 80C, 80 D and 10(10D) of the Income Tax Act, 1961

e. HDFC Home Loan Protection Plan This plan aims to protect your family from your loan liabilities in case of your unfortunate demise within the policy term. It ensures that your family does not lose the dream house that you have purchased for them, in case you are not around to repay the outstanding monthly installments on your housing loan. This provides you with the comfort of knowing that in your absence, a sum of money will be available towards repaying your housing loan, making sure that your family will be secure in your family home. Features

Advantages A decreasing Sum Assured payable if you die during the term of the contract. This sum assured is intended to help pay-off your outstanding home loan Policy can be availed by paying a single premium in advance The premium amount can be included in the housing loan and repaid as part of the loan repayment installments Decreasing Sum Assured makes sure that you do not pay for protection you don't need This product is available for sale through HDFC Ltd.

B.Childrens Plans
Why do I need Childrens Plans? Children's Plans helps you save so that you can fulfill your child's dreams and aspirations. These plans go a long way in securing your child's future by financing the key milestones in their lives even if you are no longer around to oversee them. As a parent, you wish to provide your child with the very best that life offers, the best possible education, marriage and life style. Most of these goals have a price tag attached and unless you plan your finances carefully, you may not be able to provide the required economic support to your child when you need it the most. For example, with the high and rising costs of education, if you are not financially prepared, your child may miss an opportunity of a lifetime. Today, a 2-year MBA course at a premiere management institute would cost you nearly Rs. 3,00,000/- At a assumed 6% rate of inflation per annum, 20 years later, you would need almost Rs. 9,07,680/- to finance your child's MBA degree. An illustration of how education expenses could rise with passing time due to inflation

Source: HDFC Standard Life Survey 2008. Inflation assumed as 6% p.a. So, how can you cope with these costs? Children's Plans help you save steadily over the long term so that you can secure your child's future needs, be it higher education, marriage or anything else. A small sum invested by you regularly can help you build a decent corpus over a period of time and go a long way in providing your child a secured financial future alongwith Types of Children's Plans Our range of Children's Plans includes Conventional Plans HDFC Children's Plan Unit Linked Insurance Plans HDFC SL YoungStar Super II HDFC SL YoungStar Super Premium

1. HDFC Children's Plan As a parent, your priority is your child's future and being able to meet your child's dreams and aspirations. With our HDFC Children's Plan, you can start building your savings today and ensure a bright future for your child. This 'With Profits' plan is designed to secure your child's future by giving your child (Beneficiary) a guaranteed lump sum on maturity or in case of your unfortunate demise, early into the policy term. Features

;Please roll over your mouse over circles for explanation.; Advantages Lets you customize an ideal plan for your child and provide invaluable financial support The Double Benefit Plan Option helps you secure your child's immediate and future needs. In case of your unfortunate demise, we will pay the Sum Assured to your child (Beneficiary). Your family need not pay any further premiums and the policy continues. And on maturity of the plan, we will pay you the Sum Assured plus Bonuses Declared You can choose to pay your premium as either Annually, Half-Yearly or Quarterly depending on your convenience. You also have a range of convenient auto premium payment options Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961

2. HDFC SL YoungStar Super II There is no bigger joy than being able to fulfill your child's dream on your own. With HDFC SL YoungStar Super II you can fulfill your child's immediate and future needs. So tomorrow when your child needs your support you don't have to depend on anyone else. Features

;Please roll over your mouse over circles for explanation.;

Advantages In case of your unfortunate demise or critical illness, we will pay the greater of Sum Assured (less partial withdrawals) or Fund Value to your child (Beneficiary). The policy will terminate. We will pay 100% of all the future regular premiums to the Beneficiary as and when due, on an annual basis. Please refer to the sales brochure for details. You can customize the ideal plan for your child by choosing the premium you wish to invest along with the Sum Assured, depending on the level of protection required. This plan can be taken by filling Short Medical Questionnaire, which may not require you to go for medicals. Kindly refer to the product brochure for details. You can change your investment fund choices in two ways: o o Switching: You can move your accumulated funds from one fund to another anytime Premium Redirection: You can pay your future premiums into a different selection of funds, as per your need

Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961

3. HDFC SL YoungStar Super Premium With HDFC SL YoungStar Super Premium you can fulfill your child's immediate and future needs- all on your own. Start saving now with this unit linked insurance plan and be assured that savings for your child will continue, even in your absence. This plan offers you choice of cover options and benefit payment preferences- all designed to suit your needs. Features

;Please roll over your mouse over circles for explanation.; Advantages The Triple Insurance Benefit helps you secure your child's immediate and future needs. In case of your unfortunate demise or critical illness, we will pay the Sum Assured to your child (Beneficiary). Your family need not pay any further premiums. With Save -n- Gain benefit ,we will pay 50% of all the original regular premiums towards your policy and 50% of the premiums will be paid to the Beneficiary as and when due, on an annual basis. Any Death Benefit or Critical Illness cover terminates immediately. You can customize the ideal plan for your child by choosing the premium you wish to invest along with the Sum Assured, depending on the level of protection required and Benefit payment preference.

This plan can be taken by filling Short Medical Questionnaire, which may not require you to go for medicals. Kindly refer to the product brochure for details. You can change your investment fund choices in two ways: o o Switching: You can move your accumulated funds from one fund to another anytime Premium Redirection: You can pay your future premiums into a different selection of funds, as per your need

Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961

C. Retirement Plans
Why do I need Retirement Plans? Retirement Plans provide you with financial security so that when your professional income starts to ebb, you can still live with pride without compromising on your living standards. By providing you a tool to accumulate and invest your savings, these plans give you a lump sum on retirement, which is then used to get regular income through an annuity plan. Given the high cost of living and rising inflation, employer pensions alone are not sufficient. Retirement planning has therefore become critical today. India's average life expectancy is slated to increase to over 75 years by 2050 from the present level of close to 65 years. Life spans have been increasing due to better health and sanitation conditions in the country. However, the average number of years of employment has not been rising commensurately. The result is an increase in the number of post-retirement years. Accordingly, it has become necessary to ensure regular income for life after retirement, so that you can live with pride and enjoy your twilight years. Priorities at different stages of life:-

However, skyrocketing costs can throw even a well-laid plan off balance. With costs rising every day, you can just imagine how high they will be when you are ready to hang up your boots. So, what should you do to counter this? It's time to plan your retirement and that too sooner than later.

The above illustration shows how with each passing year your annual savings requirement would increase. For instance, if you are 30 years old and plan to retire at 60, then, with a current annual expenditure of Rs. 3,00,000/- , you would need a corpus in excess of Rs. 2,00,00,000/- to maintain your living standards, assuming you live till 85 years and the inflation rate is 4%. To build this retirement corpus, you need to invest Rs 3,60,000/- per annum in a retirement plan that offers 8% returns per annum. In case you delay planning your retirement by 5 years then the investment amount would increase to Rs 6,90,000/- per annum.

1. HDFC Immediate Annuity The HDFC Immediate Annuity is a contract that uses your capital to provide you with a guaranteed gross income throughout your lifetime or over a period of your choice. The income is guaranteed and is unaffected by the rise and fall of interest rates. This means you can plan your life the way you want it to be, safe in the knowledge that your gross income will not fall during the period you have selected. The HDFC Immediate Annuity offers a number of options to meet all your income needs. Features

;Please roll over your mouse over circles for explanation.;

Advantages Income for Temporary Period Option: You can choose to limit the payment period of annuity if you only require an income for a specified time. The annuity is payable for your selected term provided you are still alive. No annuity is payable after the chosen term has expired. You can choose to limit the payment term to between 5 and 25 years. The term selected must be at least for one year greater than any guarantee period Death Benefits: In addition to a regular income, you can choose an annuity that will pay out a benefit on your death or, if you have chosen to provide an annuity for a named individual, on the later of your and the named individual's death. You can choose the level of death benefit: o o o Full purchase price, or a proportion of the purchase price Capital protection option- the amount paid on death is equal to the purchase price less the gross annuity installments already paid under the annuity No death benefit is allowable where a guarantee period has been selected. No death benefit is allowable where a Joint Life annuity reducing on death of the first life has been selected

If you need to provide an income for someone after you die: The HDFC Immediate Annuity can also provide an annuity for a named individual specified in your application form. This annuity will be paid if you die before the named individual. The amount of their annuity can be the same as your annuity or a proportion of your annuity

D. Savings & Investment Plans

Why do I need Savings & Investment Plans? You have always given your family the very best. And there is no reason why they shouldn't get the very best in the future too. As a judicious family man, your priority is to secure the well-being of those who depend on you. Not just for today, but also in the long term. More importantly, you have to ensure that your family's future expenses are taken care, even if something unfortunate were to happen to you. A big factor that you need to consider while building your wealth is inflation. It has a dual impact on your hard-earned savings. Inflation not only erodes your current purchasing power but also magnifies your monetary requirements for the future. Sample this: An 35 Year individual needs to invest Rs. 36,000/- per year with 8% returns to build a corpus of Rs. 10,00,000/- by the age of 50 Years.

However, Rs. 10,00,000/- after 15 years would be worth roughly around half of what it is today once adjusted for inflation at the rate of 4%. Therefore, an individual will need to save nearer to Rs 50,000/annually to reach your targeted savings at the age of 50 Years, if you consider inflation. Our Savings & Investment Plans provide you the assurance of lump sum funds for your and your family's future expenses. While providing an excellent savings tool for your short term and long term financial goals, these plans also assure your family a certain sum by way of an insurance cover. With HDFC Standard Life's range of Saving & Investment Plans, you can therefore ensure that your family always remains financially independent, even if you are not around. Types of Savings & Investment Plans Our range of Savings & Investment Plans includes Type Conventional Plans Unit Linked Insurance Plans Regular Premium HDFC SL New Money Back HDFC SL ProGrowth Plan Single Premium/ Investment Limited Premium Payment HDFC Assurance Plan# HDFC Plan^ Savings Assurance Super II HDFC SL ProGrowth Flexi HDFC Life ProGrowth Plus HDFC Life Woman Plan Smart

HDFC Endowment Assurance Plan HDFC Life Sampoorn Samridhi Insurance Plan HDFC Single Premium Whole ofLife Insurance Plan HDFC SL ClassicAssure Insurance Plan

HDFC SL ProGrowth Maximiser HDFC SL Crest

1. HDFC Life Smart Woman Plan HDFC Life Smart Woman Plan, a unique insurance cum investment plan designed specifically for women. This plan ensures that your savings continue, while you adjust to the new stages of your life, and you remain confident to live life your way. The plan comes with comprehensive coverage options where we will cover you against pregnancy complications and congenital conditions or for malignant female-specific cancers. During these critical moments, we assure you the peace of mind by waiving and funding your premiums so that as you overcome and adjust to your life your investments continue to grow. Features

Please roll over your mouse over circles for explanation. Advantages Choose plan options as per your needs i.e. Classic or Premier or Elite Uninterrupted savings with Waiver & funding of premiums for next 3 years on the following events o o o Pregnancy complications or birth of child with congenital disorder Diagnosis of malignant cancer of female organs Death of spouse (Only with Elite option)

Additional periodic cash payouts under Premier & Elite Options This plan provides valuable protection to your family in case you are not around. In case of your unfortunate demise during the policy term, we will pay the greater of the Sum Assured or your total fund value to your nominee. On maturity, you can take the Fund Value at the prevailing unit prices as lump sum or you can opt for settlement option. You can use the maturity benefit to fund your needs - be it for child's education, travel, upgrading your entrepreneurship venture etc. You have flexibility to make partial withdrawals to meet any unplanned expenses.

2. HDFC Life Sampoorn Samridhi Insurance Plan Sukh aur Samridhi. Joy, happiness and prosperity are your ultimate desire, not only for yourself but also for your loved ones. Life insurance plans not only let you secure financial future of your loved ones, they also assist you in attaining prosperity. With HDFC Life Sampoorn Samridhi Insurance Plan, you can be financially prepared for the future and can fulfil your dreams & aspirations. This plan offers financial protection to your loved ones when they need it the most, enabling you and your family live life with peace of mind and sar utha ke !

Features

;Please roll over your mouse over circles for explanation.; Advantages Financial protection to your loved ones by way of a lump sum payment in case of your unfortunate demise during the policy term. Sum assured plus attached bonuses will be paid to the nominee. In case of death due to accident, an additional Sum Assured will be paid. The policy will terminate and no further benefits will be payable. Choice of Maturity Benefit Option- on survival till maturity , you can choose maturity benefit option Enhanced Cash Option Sum Assured + Reversionary Bonus +any interim bonus + any terminal bonus + Enhanced Terminal Bonus. Policy terminates and no further benefits are payable. Enhanced Cover Option - Sum Assured + Reversionary Bonus + any Interim bonus + any Terminal Bonus payable on maturity + Additional Sum Assured on unfortunate death of life assured upto age of 99 years.

Tax benefits under sections 80C and 10(10D) of the Income Tax Act, 1961 subject to the provisions contained therein For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision.

3. HDFC Endowment Assurance Plan As a judicious family man, your priority is to secure the well-being of those who depend on you. Not just for today, but also for the long term. With our HDFC Endowment Assurance Plan, you can start building your savings today and ensure that your family remains financially independent, even when you are not around. This 'With Profits' plan is designed to secure your family's future by giving your family a guaranteed lump sum on maturity or in case of your unfortunate demise, early into the policy term.

Features

;Please roll over your mouse over circles for explanation.; Advantages Ideal way to secure your long-term financial goals and your family's financial independence by giving a lump sum payment (basic Sum Assured plus any Bonus Additions) on survival up to Maturity date Provides invaluable protection to your family by way of lump sum payment in case of unfortunate demise within policy term Gives you the flexibility to customize your policy according to your needs by adding any one of the 3benefit options available You can choose to pay your premium as either Annually, Half-Yearly or Quarterly depending on your convenience. You also have a range of convenient auto premium payment options Tax benefits under sections 80C, 80D and 10(10D) of Income Tax Act, 1961

4. HDFC SL Crest Any uncertainty should not affect your plans. Be it of life, or of markets. You want to secure happiness for yourself and your loved ones. We present HDFC SL Crest - insurance cum investment plan that provides valuable financial protection to your family when needed the most along with an investment option for certainty of highest NAV along with a guarantee on returns*. So that when you reap the returns of life, they are on crests not on lows. In this plan you can choose to invest in either of two investments optionsHighest NAV Guarantee Fund or Free Asset Allocation Option. Features

;Please roll over your mouse over circles for explanation. * Applicable only with Highest NAV Guarantee Fund option; Advantages Choice of two Investment Options - Highest NAV Guarantee Fund or Free Asset Allocation Option. Benefit of minimum guaranteed NAV of Rs. 15 at maturity *. On maturity you will receive the Fund value as per the investment option selected. This plan provides valuable protection to your family in case you are not around. In case of your unfortunate demise during the policy term, we will pay the amount higher of your Sum Assured (less partial withdrawals) or your total fund value to your family. Please refer to product brochure for details. This plan can be taken by filling Short Medical Questionnaire, which may not require you to go for medicals. Kindly refer to the product brochure for details. Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961

5. HDFC SL ProGrowth Super II You will settle for nothing but the best. Be it for self or for your loved ones. With HDFC SL ProGrowth Super II, you have a smart savings-cum-insurance plan that will help you effortlessly provide the finest for your family, be it today or tomorrow. Features

;Please roll over your mouse over circles for explanation. ;

Advantages You can choose any of the following 8 plan options as per your requirement. o o o o o o o o Life Option = Death Benefit Extra Life Option = Death Benefit + Accidental Death Benefit Life & Health Option = Death Benefit + Critical Illness Benefit Extra Life & Health Option = Death Benefit + Critical Illness Benefit + Accidental Death Benefit Life & Disability Option = Death Benefit + Accidental Total & Permanent Disability Benefit Extra Life & Disability Option = Death Benefit + Accidental Death Benefit + Accidental Total & Permanent Disability Benefit Life & Health & Disability Option = Death Benefit + Critical Illness + Accidental Total & Permanent Disability Benefit Extra Life & Health & Disability Option = Death Benefit + Accidental Death Benefit+ Critical Illness + Accidental Total & Permanent Disability Benefit

This plan provides valuable protection to your family in case you are not around. In case of your unfortunate demise during the policy term, we will pay the Sum Assured and your total fund value to your family. This plan can be taken by filling Short Medical Questionnaire, which may not require you to go for medicals. Kindly refer to the product brochure for details. You can change your investment fund choices in two ways: o o Switching: You can move your accumulated funds from one fund to another anytime Premium Redirection: You can pay your future premiums into a different selection of funds, as per your need

6. HDFC SL ProGrowth Flexi Nothing should hold you back in life. Uncertainties of life can throw best laid plans and aspiration off gear. It's prudent to be prepared and life insurance solutions enable you to build your savings and enjoy life cover. With HDFC SL ProGrowth Flexi, you have a smart savings-cum-insurance plan that will enable you to simply provide the finest for your loved ones. In this plan you also enjoy life insurance coverage so that youre loved ones financial future is secured even in your absence. Features

;Please roll over your mouse over circles for explanation.; Advantages This plan provides valuable protection to your family in case you are not around. In case of your unfortunate demise during the policy term, we will pay the greater of the Sum Assured or your total fund value to your nominee. You can choose any of the following 2 plan options as per your requirement. o o Life Option = Death Benefit Extra Life Option = Death Benefit + Accidental Death Benefit

On maturity, you can take the Fund Value at the prevailing unit prices as lump sum or you can opt for settlement option. You have flexibility of o o Switching: You can move your accumulated funds from one fund to another anytime Premium Redirection: You can pay your future premiums into a different selection of funds, as per your need

Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961. 7. HDFC Life ProGrowth Plus You work hard to attain your dreams. Your money should work harder so that you can attain your dreams and aspirations. Investing in a unit linked insurance plan is a nice way to build wealth and also enjoy life insurance cover. We understand that you would like to actively manage your own investment, and prefer to create your own investment strategy. We present HDFC Life ProGrowth Plus, a simple savings-cum-insurance plan that will enable you to enjoy life cover and benefit from comfort of creating your own investment strategies. Features

;Please roll over your mouse over circles for explanation.; Advantages This plan provides valuable protection to your family in case you are not around. In case of your unfortunate demise during the policy term, we will pay the greater of the Sum Assured or your total fund value to your nominee You can choose any of the following 2 plan options as per your requirement. o o Life Option = Death Benefit Extra Life Option = Death Benefit + Accidental Death Benefit

On maturity, you can take the Fund Value at the prevailing unit prices as lump sum or you can opt for settlement option. You have flexibility of creating your own investment strategies, as per your risk and return appetite You have flexibility to make partial withdrawals to meet any unplanned expenses Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961, as per provisions contained therein

8. HDFC SL ProGrowth Maximiser You know that there are no guarantees in life, but when it comes to your loved ones you dont want to take any chances. You need an assurance that if something happens to you, your loved ones happiness and dreams are not hampered. With our HDFC SL ProGrowth Maximiser, you get the valuable life insurance cover along with the choice of investing in any one of 3 different Investment Options. This plan strives to maximize your returns so that ensuring the best for your loved ones is easy. Features

;Please roll over your mouse over circles for explanation.; Advantages Choose Investment options as per your need: You can invest into any of the 3 investment option designed to meet different investment and return needs. o Highest NAV Guarantee Fund - offers the Guaranteed NAV applicable at maturity of your policy will be the higher of Rs. 15 or the highest NAV recorded daily during the first 7 years from the launch of the Highest NAV Guarantee Fund. Capital Guarantee Fund - This fund guarantees that the Unit Price on maturity of the policy will be at least equal to the Unit Price that was used to allocate units to the single premium invested by you at inception of the policy. Free Asset Allocation - This option enables you to invest in any of the 5 non guaranteed fund(s) available under this option. You can make your own investment strategy by switching between the funds as desired.

Invest additional single premium top- ups as per your convenience anytime. Please refer to the product brochure for details. On unfortunate death of the life assured, greater of the Fund value or Sum Assured (less withdrawals as mentioned in sales aid) will be payable to the nominee. On maturity, you will receive the fund value as per investment option selected. This plan can be taken by filling Short Medical Questionnaire, which may not require you to go for medicals. Kindly refer to the product brochure for details.

9. HDFC SL New Money Back Plan Being self-reliant is a nice feeling. Its comforting to be assured that you have necessary funds to live a fulfilling life. With HDFC SL New Money Back Plan, you will get regular cash back at periodic intervals, so that you can fulfill your dreams & aspirations. This plan also offers the financial protection to your loved ones when they need it the most, enabling you to live life with peace of mind. Features

;Please roll over your mouse over circles for explanation.; Advantages Money Back on completion of every 4 years, you would get a percentage of your sum assured as cash payout. The payout will be as defined below. Policy Survival Benefit as a % of Sum Assured (Money Back Payout) Terms th th th th th th 4 yr. 8 yr. 12 yr. 16 yr. 20 yr. 24 yr. (Yrs.) 50% + attaching 12 25% 25% bonus 25% + attaching 16 25% 25% 25% bonus 20% + attaching 20 20% 20% 20% 20% bonus 25% + attaching 24 15% 15% 15% 15% 15% bonus Provides valuable protection to your family by way of lump sum payment i.e. Sum Assured plus attaching bonuses, in case of unfortunate demise within policy term, over and above any earlier payouts. You can choose to pay your premium as either Annually, Half-Yearly, Monthly or Quarterly depending on your convenience. You also have a range of convenient auto premium payment options Tax benefits under sections 80C and 10(10D) of Income Tax Act, 1961

10. HDFC Single Premium Whole of Life Insurance Plan Ideally, just how spending comes to you, so must saving and investing. You are able to finance your expenses and take care of your family's needs in present times. However, to ensure that family is able to maintain the same standard of living in the future, you need to make the right kind of investment today. HDFC Single Premium Whole of Life Plan is a tailor made plan well suited to meet your long-term investment needs and help you maintain your family's financial independence. This single premium investment plan is a Whole of Life plan aimed at providing long-term real growth of your money. Features

;Please roll over your mouse over circles for explanation.; Advantages This participating plan is a Whole of Life plan aimed at providing long-term real growth for your money By nature, this is a whole life policy where the term extends for the life However, you can decide on the policy term by using a feature built into it. For a period of 4 weeks, after any one of the 10th, 15th, 20th and subsequent five-year anniversaries, you can choose to receive the Sum Assured plus any attaching bonuses, in full. Once money has been received, your policy will cease or you may also continue the policy for your whole life You can terminate the policy any time, after it has been in force for at least 6 month and receive a surrender value. We will pay discretionary surrender value based on our experience. However, after completion of 3 years there will be a guaranteed surrender value of 50% of premium paid. In addition to the guaranteed surrender value, we may pay additional discretionary surrender value based on our experience. Contract ends on the payment of the same Currently Section 80C benefit is available for the premium paid under the plan to the extent of 20% of the Sum Assured. In the event of a death claim the money paid is exempt as per Section 10(10D), of the Income Tax Act 1961

11. HDFC Assurance Plan To fulfill your dreams for your family and yourself, you need to start saving today. And you not only need to save enough but also need the assurance that your family's future is secure. Get the convenience of HDFC Assurance Plan. HDFC Assurance Plan helps you conveniently build your long-term savings while keeping your family's future protected. This 'With Profits' savings plan helps you build your long-term savings while securing your family's future. Features

;Please roll over your mouse over circles for explanation.; Advantages This plan is a 'With Profits' savings plan, which offers the following features o o The plan receives simple Reversionary Bonuses, which are usually added annually At maturity, the plan pays out the basic Sum Assured plus Reversionary Bonuses declared during the policy term. Interim or Terminal Bonus may also be payable, if declared

The plan can be surrendered for cash value before maturity Provides financial support to your family by way of a lump sum payment in case of your unfortunate death within the policy term. The lump sum is the basic Sum Assured plus any bonus additions Tax benefit under Section 80C and 10(10D) of Income Tax Act 1961, subject to provisions contained therein

12. HDFC Savings Assurance Plan Despite your best efforts, you do not end up saving regularly for your family's and your future. Unexpected expenses, unplanned purchases and often, sheer lack of time defeat your efforts. Don't you wish that someone would take on the responsibility of regularly saving your money for you? HDFC Savings Assurance Plan is a 'With Profits' savings plan which helps you conveniently build your long-term savings and ensure that your family is protected even if you are not around. Features

;Please roll over your mouse over circles for explanation.; Advantages The chosen amount is automatically invested from your bank account into the plan This plan is a 'With Profits' savings policy, which offers the following features o o The policy receives simple reversionary bonuses, which are usually added annually At maturity, the policy pays out the basic Sum Assured plus Reversionary Bonuses declared during the policy term. Interim or Terminal Bonus may also be payable, if declared

On death during the first year, a sum equal to 80% of premiums received is payable. On death after the first year and during the policy term, all premiums paid to date will be returned with compound interest calculated at 6% per annum, subject to a maximum of the Sum Assured plus Reversionary Bonuses declared till date Tax benefit under Section 80C and 10(10D) of Income Tax Act 1961, subject to provisions contained therein 13. HDFC SL Endowment Gain Insurance Plan With HDFC SL Endowment Gain Insurance Plan, you can be financially prepared for the future and can fulfill your dreams & aspirations. This plan also offers financial protection to your loved ones when they need it the most, enabling you to live life with peace of mind. Features

;Please roll over your mouse over circles for explanation.; Advantages

Ideal way to secure your long-term financial goals and your family's financial independence by giving a lump sum payment (basic Sum Assured plus any Bonus Additions) on survival up to Maturity date. Provides invaluable protection to your family by way of lump sum payment in case of unfortunate demise within policy term. Gives you the flexibility to customize your policy according to your needs by adding any one of the 2 benefit options available. You can choose to pay your premium as either Annually, Half-Yearly ,Quarterly or Monthly depending on your convenience. You also have a range of convenient auto premium payment options. Tax benefits under sections 80C, 80D and 10(10D) of Income Tax Act, 1961.

14. HDFC SL ClassicAssure Insurance Plan With HDFC SL ClassicAssure Insurance Plan, you can be financially prepared for the future and can fulfill your dreams & aspirations. This plan also offers financial protection to your loved ones when they need it the most, enabling you to live life with peace of mind. Features

;Please roll over your mouse over circles for explanation.; Advantages Ideal way to secure your long-term financial goals and your family's financial independence by giving a lump sum payment (basic Sum Assured plus any Bonus Additions) on survival up to Maturity date Provides invaluable protection to your family by way of lump sum payment in case of unfortunate demise within policy term. You can choose to pay your premium as either Annually, Half-Yearly ,Quarterly or Monthly depending on your convenience. You also have a range of convenient auto premium payment options. Enjoy High Sum Assured Discount of 5% on basic premium for Sum Assured of Rs.5 Lakhs and above. See product brochure for details. Tax benefits under sections 80C and 10(10D) of Income Tax Act, 1961.

E. Health Insurance Plans

Why do I need Health Plans? Health plans give you the financial security to meet health related contingencies. Due to changing lifestyles, health issues have acquired completely new dimension overtime, becoming more complex in nature. It becomes imperative then to have a health plan in place, which will ensure that no matter how critical your illness is, it does not impact your financial independence. In the race to excel in our professional lives and provide the best for our loved ones, we sometimes neglect the most important asset that we have - our health. With increasing levels of stress, negligible physical activity and a deteriorating environment due to rapid urbanization, our vulnerability to diseases has increased at an alarming rate.

Source: National Commission on Macroeconomics and Health Report 2005. Note: Current figures are for the year 2000(Cardiovascular diseases)), 2001 (COPD and Asthma), 2004 (Cancer) and 2005(Diabetes and Mental Health). All figures above are on a per lakh basis. As can be seen in the above chart, lifestyle diseases are set to spread at disturbing rates. The result increased expenditure. In many cases, people need to borrow money or sell assets to cover their medical expenses. All it takes is a suitable plan to help you overcome the financial woes related to your health by paying marginal amounts as premiums. For example, if you are 30 years old, then a mere sum of approximately Rs 3500* annually (exclusive of taxes) can provide you a health insurance plan of Rs 5 lakh over a period of 20 years, and a worry-free future for you and your family. *Note: The assumption is based on the HDFC Critical Care Plan. The figure is only indicative and the actual premium may depend upon numerous factors such as age, sum assured, gender, policy term, premium payment frequency and additional benefits opted for. It also differs from plan to plan and option to option Types of Health Insurance Plans Our range of Health Insurance Plans includes HDFC Critical Care Plan HDFC SurgiCare Plan 1. HDFC Critical Care Plan

Critical Illness can strike anyone. Today with advancement in medical science it is possible to survive a critical illness. Expenses on survival with a critical illness can be very high. HDFC Critical care plan provides for a lump sum payment on survival post diagnosis of a critical illness, so that in the event a critical illness strikes, you don't have to dig into those precious savings of yours. Features

;Please roll over your mouse over circles for explanation.; Advantages Provides valuable protection on survival post diagnosis of a critical illnesses Covers as many as 30 critical illnesses Lump sum benefit payment paid irrespective of medical expenses The policy continues even after the benefit payment paid on selected illness Choice of the level of health cover and premium payment Convenient and hassle free claims Tax benefits are available under section 80D under Income Tax Act, 1961

2. HDFC SurgiCare Plan In the fast paced lives that we lead, medical contingencies may arrive at our doorstep uninvited. Surgery costs form a substantial portion of health care expenditure and needs to be provided for. Health issues can get compounded if left unattended and may require a surgery. Plus, the ever increasing costs of surgical procedures are sure to burn a hole in our pockets. HDFC SurgiCare Plan provides you with timely support in case you have to undergo a major surgery and hospitalization, as the case maybe, ensuring your financial independence at all times. Features

;Please roll over your mouse over circles for explanation.; Advantages 82 major surgical procedures are covered. Option to include hospital cash benefit Automatic increase in the level of health cover (subject to terms and conditions) ensures that the increasing medical costs are taken care of. Lump sum benefits are paid regardless of the actual medical expenses. The policy continues even after the after the payment of first or subsequent surgical procedures, subject to terms and conditions as stated in the policy brochure. Flexibility to tailor-make the policy by choosing level of health cover, benefit options level and premium payment as per your needs. Convenient and hassle free claims with cashless benefits on surgeries and hospitalization in any of the network hospitals. To know more click here. Tax benefits can be availed under section 80D of the Income Tax Act, 1961