HDFC SL Crest
An uncertain world or its markets should not affect your plans of securing happiness for yourself and your loved ones.
HDFC SL Crest is an insurance-cum-investment plan that provides valuable financial protection to your family. It also acts as an investment option that provides the highest NAV along with a guarantee on returns* . So that, when you reap the returns of life, they are on crests and not on lows. In this plan, you can choose to invest in any one of the two investments options: Highest NAV Guarantee Fund or Free Asset Allocation Option.
The HDFC SL Crest offers:
- Benefit of paying premiums for a limited term
- Valuable financial protection to your family in case you are not around
- Benefit of highest NAV at maturity
- Benefit of minimum guaranteed NAV of Rs.15 at maturity
- An outstanding investment opportunity that maximises your savings by providing you a choice of thoroughly researched investment selection
- Higher allocations:
- Level of protection:
You can choose any amount as Sum Assured with a minimum of 10 times and a maximum of 20 times your chosen annual regular premium. - Premium paying term: 5 years
- Term limits: Term of the policy is 10 years or 15 years
- Age Limits :
Minimum age at entry: 14 years
Maximum age at entry: 55 years
Maximum age at maturity: 65 years - Investment options:
- Highest NAV guaranteed fund: Minimum guaranteed NAV of Rs. 15 of highest NAV in first 7 years
- Free asset allocation: Invests in any 5 available non-guaranteed funds
- Death benefit: Higher of Sum Assured (less withdrawals made in last 2 years) or fund value
- Access your fund only after 5 policy years
- No medicals required for non-underwriting option,.if Short Medical Questionnaire eligibility is fulfilled
Features
| Year | Premium Allocation Charge |
|---|---|
| Year 1 and 2 | 4% |
| Year 3 | 3% |
| Year 4 and 5 | 2% |
Benefits
- 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 than your Sum Assured (less partial withdrawals) or your total fund value to your family. Please refer to the product brochure for details
- This plan can be taken by filling a 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
It just takes a few simple steps to get insured. Apply today and manage your finances easily.