HDFC Life Click 2 Wealth

HDFC Life Click 2 Wealth is a Unit-Linked Life Insurance Plan (Non-Participating) which ensures financial safety to you and your family during the times when the requirement of funds are more. The plan not only provides you life protection but also increases your wealth overtime. There is a flexibility to choose from 3 variants and 3 premium payment options. The plan also offers you 2 rider options namely HDFC Life Income Benefit on Accidental Disability Rider and HDFC Life Critical Illness Plus Rider.

Moreover, the plan allows you to cancel the policy within 15 days (30 days if the policy is purchased through distance marketing mode) from its receipt in case you do not agree with the terms and conditions. On cancellation of such policy the premium paid will be refunded after deducting some charges levied by the company such as proportionate risk premium for the covered period, medical examination charges and stamp duty charges etc.

Best Features of HDFC Life Click 2 Wealth

Below mentioned are best features of HDFC Life Click 2 Wealth which makes it distinctive from its counterparts:

  • Minimal Charges: Only Fund management charges for fund management and mortality charges for your life cover.
  • Fund Options: The plan comes with 10 different fund options which can be switched freely unlimited times.
  • Plan Variants: Under this plan, there are 3 plan variants to maximise your benefits. 
  • Special Addition: The plan provides a special addition where 1% of the annualised premium is added to the fund value for the first 5 years of the policy.
  • Maturity: On maturity, the mortality charges of the assured will be refunded in case of Premium Waiver Option.
  • Premium Payment Options: The plan provides the flexibility to choose from 3 premium payment options- single play, regular pay and limited pay.

Benefits of HDFC Life Click 2 Wealth

HDFC Click 2 Wealth offers various benefits, which are as followed:

  • Death Benefit

If the assured dies within the term of the policy then the death benefit is payable to the nominee in the form of sum assured or fund value or 105% of the total premiums paid, whichever is the highest.

  • Maturity Benefit

 The assured or the nominee will receive the accumulated fund value at the maturity of the policy. After the payment of the fund the policy gets terminated.

Each variant of the policy  contains different benefits and features. HDFC Life Click 2 Wealth provides the following 3 variants:

  • Invest Plus Variant

 Invest Plus provides life coverage and protection to the assured financially by providing accumulated fund value at the maturity of the policy.

Under invest plus variant following benefits are available :

  • Fund Boosters 

There are 2 fund boosters under HDFC Life Click 2 Wealth plan :

  1. Return of Mortality Charges - On maturity, the mortality charges deducted will be added to the fund value.
  2. Special Addition - 1% of the annualised premium (1% of single premium if single pay is chosen) will be added to the fund value.
  • Top- up Premium Option

The assured can Top-Up premium to increase the investment value of the policy.

  • Premium Waiver Variant

Under this variant, if the assured dies within the term of the policy then the premium payments are waived and the investment carries on till the end of the term of the plan. The benefits are the same as the above variant.

  • Golden Years Benefit Variant

This variant offers you to build your fund value while having cover for your whole life. This option generates accumulated post retirement income to secure you financially during declining years. The benefits are the same as the above variants.

 HDFC Life Click 2 Wealth Eligibility

Eligibility Criteria for the Different Variants of HDFC Life Click 2 WealthInvest PlusPremium Waiver Golden Years 
Minimum Age at Entry (years)30 days
Maximum Age at Entry (years)60 Years
Minimum Age at Maturity (years)18 Years0 Years
Maximum Age at Maturity (years)75 Years99 Years
Policy Term10 Years- 40 Years99 minus the age at entry
Premium Payment Mode

Single pay

Limited pay- 5, 7, 10 years

Regular pay- 10- 40 years

Limited pay- 5, 7, 10 years

Regular pay- 10- 40 years


Limited pay- 10-70 minus years age at entry
Premium Payment FrequencySingle, Annual, Half-Yearly , quarterly and Monthly
Basic Sum Assured

Single pay- 1.25 x Single Premium

Regular and Limited pay- 10 x Annualised Premium

Top-up-  1.25 x Top-up Premium


HDFC Life Click 2 Wealth Fund Options

Fund Name

Asset Class

Risk and Return Rating
Money Market, Cash and Deposits, Liquid Mutual FundsGovernment Securities,  Fixed Income Instruments and BondsEquity

Fund Composition

Diversified Equity Fund0%-40%0%-40%60%-100%Very High
Blue Chip Fund0%-20%-80%-100%Very High
Balanced Fund0%-20%0%-60%40%-80%Moderate - High
Bond Fund0%-60%40%-100%-Moderate
Discovery Fund0%-10%0%-10%90%-100%Very High
Equity Advantage Fund0%-20%0%-20%80%-100%Very High
Opportunities Fund0%-20%-80%-100%Very High
Liquid Fund0%-100%--Very Low
Bond Plus  Fund0%-20%30%-100%0%-50%Moderate - High
Secure Advantage Fund0-40%60%-100%-Moderate 

HDFC Life Click 2 Wealth Plan Review

HDFC Life Click 2 Wealth Plan is an affordable investment plan with the benefit of rupee-cost averaging, which provides financial security to you and your beloved. With 3 plan variant options and 10 fund options, the plan provides enough flexibility to the investor. The plan is best for the people who are looking for investment options with market-linked returns. The plan provides top-up options, maturity benefit, death benefit, and fund boosters to make your financial position stronger than ever. 

The plan also provides a grace period to the assured in case the due premium payments are not made. The grace period is of 30 days (15 days if monthly mode is chosen) and during this period, the policy stays in force and risk cover is provided without any interruption. If the premium is not paid under the grace period, the policy discontinues and the revival of the discontinued policy can be done under 3 years from the first unpaid premium.

Frequently Asked Questions

  • 1. Can I change my fund options frequently?

    HDFC Life Click 2 Wealth allows you to change the fund options without charging any cost.  You can change the options as many times you require.

  • 2. What is the lock-in period in HDFC Life Click 2 Wealth?

    The lock-in period in HDFC Life Click 2 Wealth is 5 Years.

  • 3. What happens when you surrender the plan before the lock-in period ends?

     In case of Single Premium Policies - If you surrender the policy any time during the lock-in period, then the fund value shall be credited to the discontinued policy fund after deducting the applicable discontinuance charges.

    For Other Than Single Premium Policies - Upon surrender, the fund value shall be credited to the discontinued policy fund after deduction of applicable discontinuance charges and the risk cover and rider cover, if any, shall cease.

  • 4. What are the different charges in HDFC Click 2 Wealth plan?

    The 2 different charges levied under HDFC Click 2 Wealth plan are Fund Management Charges and Mortality Charges.

  • 5. Can I withdraw money in case of emergencies?

    Yes, you are allowed to withdraw money from your funds to meet any future financial emergencies. Under the plan, lump sum partial withdrawals are allowed after completion of 5 policy years, provided the life assured is at least 18 years of age.

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