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Discover the requirements to secure a guaranteed Rs. 1 crore payout after 25 years, inclusive of life insurance coverage reaching Rs. 1.5 crore and disability protection up to Rs. 60 lakh throughout the 25-year policy term. Find all the essential details below.

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  A 33-year-old mother seeks a 15-year premium plan to secure a tax-free, guaranteed Rs. 1 crore for her 1-year-old son's future after 25 years. This policy includes full life and disability protection. Discover how annual premiums of Rs. 1 lakh to Rs. 2.5 lakh impact benefits and how riders can increase life cover to Rs. 1.5 crore and disability protection to Rs. 60 lakh. Policy Details: Name of the policy HDFC Life Click 2 Achieve Plan option Dream Achiever Benefit Chosen Lumpsum Age of the policyholder 33 years Policy term 25 years Premium payment term 15 years Rider selected Live well rider (PAC - double benefit) Option -1, If the base premium of the policy is Rs. 1 lakh per year: Base plan premium @ Rs. 1.00000 Lakh per year Ride premium         @ Rs.      4055 per year Total premium         @ Rs. 1.04055 Lakh per year Policy  issue date (for example) 01-06-2026 Payout date 01-06-2051 (after 25 years) Tax-free and gua...
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Best Life insurance plan for children in India:

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Best Life insurance plan for children in India: 

Option-I

Policy details and benefits:

Name of the plan:

HDFC Life Guaranteed Savings Plan

Age of  the child:

9 years

Policy Term:

15 years

Premium Payment Term:

12 years

Annual installment of premium:

Rs. 49, 920

GST

No GST (Goods and Services Tax) on premium

Guaranteed Sum assured:

Rs. 10 Lakh

Guaranteed Sum assured on death at the inception of the policy

Rs. 10 Lakh

Tax

Tax-free payout

(Maturity or death benefits)



Best Life insurance plan for children in India: 

Option-II

Policy details and benefits:

Name of the plan:

HDFC Life Click 2 Achieve

Plan option:

Dream Achiever

Benefit chosen:

Money back

Age of  the child:

9 years

Policy Term:

20 years

Premium Payment Term:

15 years

Annual installment of premium:

Rs. 50,000

GST

No GST (Goods and Services Tax) on premium

Guaranteed Sum assured on death at the inception of the policy

Rs. 10 lakh

Non-Guaranteed Sum assured on death at the inception of the policy

Rs. 10 lakh to 11,38,336

Payout term

Last 5 years

Payout frequency

Annual

Payout year

Payout amount

16th year of the policy term

Rs. 71,146 

17th year of the policy term

Rs. 71,146

18th year of the policy term

Rs. 71,146

19th year of the policy term

Rs. 71,146

20th year (at the time of maturity) of the policy term

Rs. 11,38,336

Tax

Tax-free payout

(Maturity or death benefits)

Note:

The plan also provides Juvenile Illness Cover, and waiver of premium benefit in case of death, Critical Illness, or Total Permanent Disability of the Proposer as an optional feature, provided all premiums have been paid. For more information, please refer to the official website and authentic documents.




Best Life insurance plan for children in India:

Option -III

Policy details and benefits:

Name of the plan:

HDFC Life Click 2 Achieve

Plan option:

Dream Achiever

Benefit chosen:

Early Income

Age of  the child:

9 years

Policy Term:

24 years

Premium Payment Term:

15 years

Annual installment of premium:

Rs. 50,000

GST

No GST (Goods and Services Tax) on premium

Guaranteed Sum assured on death at the inception of the policy

Rs. 10 lakh

Payout term 

Last 10 years

Payout frequency

Annual

Payout year

Payout amount

15th year of the policy term to  24th year (at the time of maturity) of the policy term

@ Rs. 1,39,093 per year.

Tax

Tax-free payout

(Maturity or death benefits)

Note:

The plan also provides Juvenile Illness Cover, and waiver of premium benefit in case of death, Critical Illness, or Total Permanent Disability of the Proposer as an optional feature, provided all premiums have been paid. For more information, please refer to the official website and authentic documents.




Legal Disclaimer and Key Information:

The details provided here have been summarized and compiled using public open-source data and AI-assisted tools.


While every effort has been made to maintain the accuracy of this data, the author assumes no liability for any errors, omissions, or consequences arising from the use of this information.

For definitive and precise details, please refer to the official company website or your specific policy documents.


Professional Background:

Arvind Kumar is a qualified Life Advisor with HDFC Life Insurance Company and the author of this content. As a certified professional, he has completed the Insurance Institute of India's IC-38 examination. Arvind holds a Master's degree in Mathematics, which he obtained approximately 42 years ago. Furthermore, he dedicated 40 years of service to the Government of India, ultimately superannuating from a Group A Gazetted Officer position.


Contact Information:

Since life insurance needs are highly personal, Arvind Kumar provides customized guidance to suit your requirements. You can reach out to him for a consultation via phone or WhatsApp at 9899423601.


Alternatively, you may send an email to apcsitbranju@gmail.com or explore his YouTube channel for deeper insurance insights at https://youtube.com/@Arvind-NCR.
About author:Born on 05 December 1961.Bachelor's degree (Graduation) in Physics, Chemistry, and Mathematics.Master's degree (Post-Graduation) in Mathematics with Statistics.Attended several courses/trainings at the Graduation and Post-Graduation levels in Electronics and Communication Engineering.Ex. Under Secretary (Government of India).41 years of rich experience in the telecommunication field.Prepared and delivered thousands of lectures to the Master (Post graduation) Level aspirants. Currently, approved by Indian Government body and authorized by HDFCLife insurer to sell and adviser for life insurance policies. Please contact on WhatsApp numbers 98994423601, or 9971797791 or apcsitbranju@gmail.com

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