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About iSelect Guaranteed Future
A Non-Linked Non-Participating Individual Savings Life Insurance Plan
UIN 136N081V04
Your family is your responsibility and you want to do your best. Whether it's your child's education, family vacation, a new car or your dream house. You should be financially prepared to realize these dreams. As living expenses increase, it becomes important to have an additional source of income to achieve these important goals. You also want that your family is financially prepared and their needs and goals are taken care off even if you are not around tomorrow.
Presenting Canara HSBC Life Insurance iSelect Guaranteed Future, a plan that helps you with an alternate source of savings to take care of your financial goals and plan for a stress free life along with the added benefit of protection against the uncertainties of tomorrow.
Choose from our top plans
Depending upon your financial need, you can select your plan option (any ONE) from the following available options under this product.
iAchieve
- Why Buy
- Benefits
- Other Benefits
- How the Plan Works?
- Plan At Glance
Why Buy
- Protection for your loved ones: Life cover throughout the policy term
- Gift of Guarantee: Guaranteed Maturity Benefit to take care of your financial dreams and goals
- Boost your Maturity Benefit: Guaranteed additions accrue during the last five policy years to enhance your policy’s benefits
- Payor Premium Protection Cover1: Your family’s future will be secured even if you are not around tomorrow to pay your premiums
- Pay as you like: Choose to pay premiums for 5,7, or 10 years aligned to your financial goal
- Tax benefits may be available as per prevailing Tax Laws
1Available under iAchieve plan option
iAchieve
Death Benefit
For iAchieve
Where Life Assured and Policyholder are the same:
- Sum Assured on Death; PLUS
- Accrued Guaranteed Additions, if any; PLUS
- High Premium Addition, if any
If the optional Payor Premium Protection Cover has been chosen, Sum Assured on Death will be paid.
All future premiums payable thereafter will be waived off and the Policy continues till the end of the Policy Term with all future benefits intact.
Where Life Assured and Policyholder are different:
On death of the Life Assured the death benefit payable will be equal to:
- Sum Assured on Death; PLUS
- Accrued Guaranteed Additions, if any; PLUS
- High Premium Addition, if any
On death of the Policyholder:
If the optional Payor Premium Protection Cover has been chosen, all the future premiums payable shall be waived off and the policy shall continue as in-force till the end of the Policy Term with all the future benefits intact.
For Flexi iAchieve:
- Sum Assured on Death; PLUS
- Accrued Guaranteed Additions, if any; PLUS
- High Premium Addition, if any
Maturity Benefit
- Guaranteed Sum Assured on Maturity; PLUS
- Accrued Guaranteed Additions; if any PLUS
- High Premium Addition, if any
Loan Facility
To meet any contingent need, you may avail the loan facility in this plan, once the policy acquires a Surrender Value.
Tax Benefit
You may be entitled for tax benefits in accordance with the provision of Income Tax Act, 1961 as amended from time to time. Please consult your independent tax advisor for tax related queries.
How the Plan Works
You can customize the policy to suit your financial goals and requirements in just 4 simple steps:
Choose how much you want to save to contribute towards your goal. This is your single premium.
Choose your Policy Term (PT) basis your financial horizon.
Choose Death Cover from 10 times / 1.25 times the Single Premium basis your life-stage need
The Guaranteed Sum Assured on Maturity in this plan will be determined on the basis of your age and the options chosen above.
1Available under iAchieve plan option
EXAMPLE FOR iAchieve
Case Study1: Age 35 years,Policy Term20 years, Premium Payment Term 10 years and yearly premium payment frequency.
Scenario 1: Maturity Benefit
Scenario 2: Death Benefit
In case of unfortunate death at the end of 12thpolicy year:
| Parameters | Minimum | Maximum | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Entry Age of Life Assured as on Last Birthday (In years) | 0 years | 65 years* | ||||||||
| Maturity Age of Life Assured as on Last Birthday (In years) | 18 years | 80 years** | ||||||||
Premium Payment Term & Policy Term (in years) |
| |||||||||
| Annualised Premium (in Rupees) | 20,000 | No limit (Subject to Board Approved Underwriting Policy of the Company) | ||||||||
| Guaranteed Sum Assured (in Rupees) | 2,20,000 | No limit (Subject to Board Approved Underwriting Policy of the Company) | ||||||||
| Premium Payment Mode | Annual, Half-Yearly, Quarterly & Monthly modes are available. | |||||||||
*Where Payor Premium Protection Cover has been chosen, Maximum Age at entry is 55 years is applicable for both the Life Assured as well as the Policyholder. In all other cases, the above criteria are applicable for the Life Assured.**Where Payor Premium Protection Cover has been chosen, Maximum Maturity Age is applicable for both the Life Assured as well as the Policyholder. In all other cases, the above criteria are applicable for the Life Assured.
iAchieve - Sourced through POS
| Parameters | Minimum | Maximum | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Entry Age as on Last Birthday (In years) | 0 years | 55 years | ||||||||
| Maturity Age as on Last Birthday (In years) | 18 years | 65 years | ||||||||
Premium Payment Term & Policy Term (In years) |
| |||||||||
| Annualised Premium (in Rupees) | 20,000 | 2,25,000 | ||||||||
| Guaranteed Sum Assured (in Rupees) | 2,20,000 | 25,00,000 | ||||||||
| Premium Payment Mode | Annual, Half-Yearly, Quarterly & Monthly modes are available. | |||||||||
iAssure
- Why Buy
- Benefits
- Other Benefits
- How the Plan Works?
- Plan At Glance
Why Buy
- Financial protection against life uncertainties: Life cover throughout the policy term
- Get Guaranteed Benefits: Guaranteed Income along with a Guaranteed Maturity Benefit for a financially secure future
- Guaranteed Income Payouts: Guaranteed Income payouts to take care of recurring expenses in the near future
- Boost your Maturity Benefit: Guaranteed additions accrue during the last five policy years to enhance your policy’s benefits
- Premium Protection Cover1: Your family’s future will be secured even if you are not around tomorrow to pay your premiums
- Pay as you like: Choose to pay premiums for 5,7, or 10 years aligned to your financial goal
- Tax benefits may be available as per prevailing Tax Laws
iAssure
Death Benefit
For iAchieve
Where Life Assured and Policyholder are the same:
- Sum Assured on Death; PLUS
- Accrued Guaranteed Additions, if any; PLUS
- High Premium Addition, if any
If the optional Payor Premium Protection Cover has been chosen, Sum Assured on Death will be paid.
All future premiums payable thereafter will be waived off and the Policy continues till the end of the Policy Term with all future benefits intact.
Where Life Assured and Policyholder are different:
On death of the Life Assured the death benefit payable will be equal to:
- Sum Assured on Death; PLUS
- Accrued Guaranteed Additions, if any; PLUS
- High Premium Addition, if any
On death of the Policyholder:
If the optional Payor Premium Protection Cover has been chosen, all the future premiums payable shall be waived off and the policy shall continue as in-force till the end of the Policy Term with all the future benefits intact.
For Flexi iAchieve:
- Sum Assured on Death; PLUS
- Accrued Guaranteed Additions, if any; PLUS
- High Premium Addition, if any
Survival Benefit
At the end of each Policy Year post completion of Premium Payment Term you will get Guaranteed Income
Maturity Benefit
- Accrued Guaranteed Additions, if any; PLUS
- High Premium Addition, if any
Loan Facility
To meet any contingent need, you may avail the loan facility in this plan, once the policy acquires a Surrender Value.
Tax Benefit
You may be entitled for tax benefits in accordance with the provision of Income Tax Act, 1961 as amended from time to time. Please consult your independent tax advisor for tax related queries.
How the Plan Works
You can customize the policy to suit your financial goals and requirements in just 4 simple steps:
Choose how much you want to save to contribute towards your goal. This is your premium.
Choose your Premium Payment Term (PPT)/ Policy Term (PT), premium payment mode basis your financial horizon.
Choose Payor Premium Protection Cover, if required by you1
The Guaranteed Income in this plan will be determined on the basis of your age and the options chosen above and will be payable every year post completion of Premium Payment Term
1Available under iAchieve plan option
EXAMPLE FOR iAssure
Case Study 1: Age 35 years, Policy Term20 years, Premium Payment Term 10 years and yearly premium payment frequency.
Scenario 1: Maturity Benefit
Scenario 2: Death Benefit
In case of unfortunate death at the end of 8th policy year:
| Parameters | Minimum | Maximum | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Entry Age of Life Assured as on Last Birthday (In years) | 0 years | 65 years* | ||||||||
| Maturity Age of Life Assured as on Last Birthday (In years) | 18 years | 80 years** | ||||||||
Premium Payment Term & Policy Term (in years) |
| |||||||||
| Annualised Premium (in Rupees) | 20,000 | No limit (Subject to Board Approved Underwriting Policy of the Company) | ||||||||
| Guaranteed Sum Assured (in Rupees) | 2,20,000 | No limit (Subject to Board Approved Underwriting Policy of the Company) | ||||||||
| Premium Payment Mode | Annual, Half-Yearly, Quarterly & Monthly modes are available. | |||||||||
*Where Payor Premium Protection Cover has been chosen, Maximum Age at entry is 55 years is applicable for both the Life Assured as well as the Policyholder. In all other cases, the above criteria are applicable for the Life Assured.**Where Payor Premium Protection Cover has been chosen, Maximum Maturity Age is applicable for both the Life Assured as well as the Policyholder. In all other cases, the above criteria are applicable for the Life Assured.
iAchieve - Sourced through POS
| Parameters | Minimum | Maximum | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Entry Age as on Last Birthday (In years) | 0 years | 55 years | ||||||||
| Maturity Age as on Last Birthday (In years) | 18 years | 65 years | ||||||||
Premium Payment Term & Policy Term (In years) |
| |||||||||
| Annualised Premium (in Rupees) | 20,000 | 2,25,000 | ||||||||
| Guaranteed Sum Assured (in Rupees) | 2,20,000 | 25,00,000 | ||||||||
| Premium Payment Mode | Annual, Half-Yearly, Quarterly & Monthly modes are available. | |||||||||
Easy iAchieve
- Why Buy
- Benefits
- Other Benefits
- How the Plan Works?
- Plan At Glance
Why Buy
- Protection for your loved ones: Life cover throughout the policy term
- Pay once and enjoy protection for the entire Policy Term: Choose from a range of policy terms basis your horizon and protect your family against the financial uncertainties of tomorrow
- Gift of Guarantee: Guaranteed Maturity Benefit to take care of your financial dreams and goals
- Flexibility to choose your life cover: Choose to opt for a life cover equal to 10 or 1.25 times the Single Premium basis your life-stage need
- Tax benefits may be available as per prevailing Tax Laws
Easy iAchieve
Death Benefit
For iAchieve
Where Life Assured and Policyholder are the same:
- Sum Assured on Death; PLUS
- Accrued Guaranteed Additions, if any; PLUS
- High Premium Addition, if any
If the optional Payor Premium Protection Cover has been chosen, Sum Assured on Death will be paid.
All future premiums payable thereafter will be waived off and the Policy continues till the end of the Policy Term with all future benefits intact.
Where Life Assured and Policyholder are different:
On death of the Life Assured the death benefit payable will be equal to:
- Sum Assured on Death; PLUS
- Accrued Guaranteed Additions, if any; PLUS
- High Premium Addition, if any
On death of the Policyholder:
If the optional Payor Premium Protection Cover has been chosen, all the future premiums payable shall be waived off and the policy shall continue as in-force till the end of the Policy Term with all the future benefits intact.
For Flexi iAchieve:
- Sum Assured on Death; PLUS
- Accrued Guaranteed Additions, if any; PLUS
- High Premium Addition, if any
Maturity Benefit
- Guaranteed Sum Assured on Maturity; PLUS
- Accrued Guaranteed Additions; if any PLUS
- High Premium Addition, if any
Loan Facility
To meet any contingent need, you may avail the loan facility in this plan, once the policy acquires a Surrender Value.
Tax Benefit
You may be entitled for tax benefits in accordance with the provision of Income Tax Act, 1961 as amended from time to time. Please consult your independent tax advisor for tax related queries.
How the Plan Works
You can customize the policy to suit your financial goals and requirements in just 4 simple steps:
Choose how much you want to save to contribute towards your goal. This is your single premium.
Choose your Policy Term (PT) basis your financial horizon.
Choose Death Cover from 10 times / 1.25 times the Single Premium basis your life-stage need
The Guaranteed Sum Assured on Maturity in this plan will be determined on the basis of your age and the options chosen above.
1Available under iAchieve plan option
Case Study1: Age 35 years, Policy Term20 years and Single Premium payment (1.25 times the Single Premium)
EXAMPLE FOR iAchieve
Case Study1: Age 35 years,Policy Term20 years, Premium Payment Term 10 years and yearly premium payment frequency.
Scenario 1: Maturity Benefit
Scenario 2: Death Benefit
In case of unfortunate death at the end of 12thpolicy year:
| Parameters | Minimum | Maximum | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Entry Age of Life Assured as on Last Birthday (In years) | 0 years | 65 years* | ||||||||
| Maturity Age of Life Assured as on Last Birthday (In years) | 18 years | 80 years** | ||||||||
Premium Payment Term & Policy Term (in years) |
| |||||||||
| Annualised Premium (in Rupees) | 20,000 | No limit (Subject to Board Approved Underwriting Policy of the Company) | ||||||||
| Guaranteed Sum Assured (in Rupees) | 2,20,000 | No limit (Subject to Board Approved Underwriting Policy of the Company) | ||||||||
| Premium Payment Mode | Annual, Half-Yearly, Quarterly & Monthly modes are available. | |||||||||
*Where Payor Premium Protection Cover has been chosen, Maximum Age at entry is 55 years is applicable for both the Life Assured as well as the Policyholder. In all other cases, the above criteria are applicable for the Life Assured.**Where Payor Premium Protection Cover has been chosen, Maximum Maturity Age is applicable for both the Life Assured as well as the Policyholder. In all other cases, the above criteria are applicable for the Life Assured.
iAchieve - Sourced through POS
| Parameters | Minimum | Maximum | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Entry Age as on Last Birthday (In years) | 0 years | 55 years | ||||||||
| Maturity Age as on Last Birthday (In years) | 18 years | 65 years | ||||||||
Premium Payment Term & Policy Term (In years) |
| |||||||||
| Annualised Premium (in Rupees) | 20,000 | 2,25,000 | ||||||||
| Guaranteed Sum Assured (in Rupees) | 2,20,000 | 25,00,000 | ||||||||
| Premium Payment Mode | Annual, Half-Yearly, Quarterly & Monthly modes are available. | |||||||||