Life,Holistic Living: Delivering Superior Customer Experience
Product innovation across segments
Protection
Offline
Plain vanilla term
plans where
customer gets life
cover
Online
Cheaper compared
to offline term plan
Credit
Protect
Term insurance
attached
with loan
Add ons
New features such as
spouse cover, smart
exit (zero cost
insurance), life
stage, WOP CI/ TPD1
Protection with ULIP
Provides higher
coverage with
market linked
returns
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Savings
Lumpsum endowment
plans
Pay for a defined
premium term and
get guaranteed
lump sum/ Sum
assured+ bonuses
Guaranteed income
plans
Offers tax-efficient
structures with
short term and long
term income
Immediate income
plans
Life long participating
plans which provide
income from 1st
month
12
Retirement
Immediate annuity
Pay one time and get
life time income
1.Wavier of premium on critical illness, Total
permanent disability
11
Profitable
distribution
Diversified
growth
mix
innovation
leading
Market-
Quality of
insurance
Reimagining
Board and
management
Pension
accumulation plans
Save systematically
and build
retirement corpus
(used for buying
annuity)
Deferred annuity
Pay one time, wait for a
few years and then
receive life time
income. Annuity
rates locked at the
start
Regular pay deferred
annuity
Pay premiums regularly
for 5/7 years and
receive life time
income. Annuity
rates locked at the
start
HDFC
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