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    "@type": "Question",
    "name": "What are the benefits of life insurance?",
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      "@type": "Answer",
      "text": "The biggest benefit of life insurance is that no matter your income level, life insurance ensures that your loved ones can make ends meet if you were to pass away.

Buying a life insurance policy at any stage in life gives you peace of mind. It offers a life cover that keeps you and your family protected in case of your unfortunate demise. The life insurance claim in the event of your death will help your family have a secure financial future, by paying for children's education, paying off debts and helping towards household expenses. The money you invest in life insurance is safe, and your family stands to gain from the benefits of insurance payouts in case of unforeseen circumstances.


Life insurance premiums are eligible for rebate for salaried persons to reduce their tax liability. Life insurance also gives you the benefit of taking a loan against the policy in certain cases. A life insurance policy will help you to plan your life goals, including your children's education, their marriages and your retirement corpus.

The riders available with your life insurance policy help you customise your plan and get maximum benefit.

There are different types of life insurance which help you reap the benefits of a secure future for yourself and your family."
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      "text": "It can be done by forecasting future earnings, making a note of future annual expenses, calculating the future costs of financial goals such as children's education and marriage, and adding liabilities. Or you can also multiply your annual income by 10 for a rough idea."
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Using the information on your insurance quote, you can determine that policy offers the best value by comparing it to quotes from other policies for the same or comparable coverage. If the policy is term life insurance, the term limits and coverage limits are usually included in life insurance quotes."
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If you own a business, it helps to have life cover so that the business is not negatively impacted by your passing. It can help to sustain it by covering expenses and paying debts till your successor finds their feet in the business.

If you have taken loans during your lifetime, having a life cover will help your family to pay off your debts with the help of the payouts received against the insurance claim."
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The simplest plans are Term insurance plans, in which there is a death benefit but no maturity benefits. In Term Insurance, the insurer promises to pay the beneficiaries a lump sum amount in the event of the insured person's death. Some Term insurance plans nowadays also offer to give back the premiums you pay on surviving the policy period; these are called Term insurance with return of premium plans.

Other life insurance plans in India include Endowment Insurance plans, Unit Linked Insurance Plans (ULIPs), Moneyback Insurance plans, Whole life insurance plans, Group life insurance, Child Insurance Plans and Retirement Insurance Plans."
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      "text": "The main factor influencing the life insurance premiums of a policyholder is their age. Younger persons are generally considered healthy and unlikely to contract illnesses or pass away suddenly; hence younger people attract lower insurance premiums.
Gender is another factor that determines the premium amount as proven scientific and statistical evidence points to women likely to live an average of 5 years more than men. Consequently, since women are perceived to avail of policies for a longer tenure, they can avail of lower premiums.
Medical records play a crucial factor in deciding the premium as well, since life insurance policies typically come with an underwriting process that includes a thorough medical exam of the policyholder. Any red flags concerning physical health and potential illnesses can have an impact on the amount of premium to be paid.

Family history is important as certain hereditary diseases could be passed on to the policyholder. The family's medical history plays a part in revealing these patterns and can influence the amount of premium.
Smoking and drinking, which are considered harmful to health and can impact your longevity, also influence the amount of premium to be paid. Professions and lifestyles can also impact the life insurance premium. Persons working in professions considered dangerous like mining, oil and gas and fisheries, and indulging in risk taking activities like mountaineering can attract higher premiums."
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      "text": "Life insurance claims can be made either on death of the policyholder, on maturity of the policy or as a Rider claim. In case of death claim, the beneficiary who is the nominee of the policy should intimate about the claim to the insurer at the earliest by filling the intimation form which can be obtained from the nearest branch of the insurance company or can be downloaded from the website of the insurance company. Relevant documents like death certificate of the insured person, birth certificate of the insured person (for proof of age), the original policy document, and any other documents requested by the insurer should be provided.

The insurer is obliged to settle claims, once filed, within 30 days of receipt of all documents. In case further investigation is needed, the insurer gets six months to complete its procedures from the date of receiving written intimation of the claim.
If you are making a maturity claim, the insurer reaches out to the policyholder in advance with a bank discharge form, which the policy holder has to fill in and submit to the insurer along with the relevant documents requested.
In the case of rider claims, which are additional benefits accruing to policy holders for paying extra premium, duly filled claim forms and policy copies are to be submitted to the insurer. Different riders like Waiver of Premium and Critical Illness are settled through different means."
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Death benefits for suicide are generally made at the discretion of insurance companies. Usually, beneficiaries are entitled to 80 per cent of amount accumulated from premiums paid in case of a non-linked plan, and 100 per cent in the case of a linked plan, if the insured dies by suicide within the initial 12 months.

Term insurance plans do not cover death occurring from self-inflicted injuries, or due to illnesses like sexually transmitted diseases like HIV/AIDS.

Death due to alcohol or drug abuse is also not covered by term plans, nor is homicide where the policy holder is murdered by the nominee for money. Death due to an existing illness that has not been disclosed at the time of purchasing the plan is also not covered by term life insurance plans. Death caused by natural disasters like tsunami, earthquake, floods etc is not covered by term insurance, unless the policy holder has opted for riders for that purpose."
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      "text": "It offers benefits like tax benefits, financial security, financial coverage for families, wealth creation, retirement planning, the accomplishment of future goals, and much more."
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$(".main-banner .carousel-indicators").after('<div class="prod-tiles"><div class="left-d"><div class="top-d"><p class="subheading-d">Online Top Selling Plans</p></div><div class="prod-detaild"><div class="prod-ul"><div class="plans-d"><a class="Plantile" id="c2ps-d" href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=AD_TGT_HP_Click2SeriesV1_C2PS&agentcode=895496">HDFC Life <span class="td-d">Click 2 Protect Super</span></a><span class="flip-container"><a class="tagshref" id="7_dc2ps"  href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=AD_TGT_HP_Click2SeriesV1_C2PS&agentcode=895496"><button class="flip-button"><div class="flip-front Text_a"><p>Term Plan</p></div><div class="flip-back Text_a"><p>7% Discount</p></div></button></a></div></span><div class="plans-d"><a class="Plantile" id="sp-d" href="https://www.hdfclife.com/savings-plans/click-2-achieve?source=AD_TGT_HP_Click2SeriesV1_C2A&agentcode=00399206&language=en">HDFC Life <span class="td-d">Click 2 Achieve</span></a><span class="flip-container"><a class="tagshref" id="industry_first"  href="https://www.hdfclife.com/savings-plans/click-2-achieve?source=AD_TGT_HP_Click2SeriesV1_C2A&agentcode=00399206&language=en"><button class="flip-button"><div class="flip-front Text_b"><p>Saving Plan</p></div><div class="flip-back Text_b"><p>Industry First</p></div></button></a></div></span><div class="plans-d"><a class="Plantile" id="spp-d" href=" https://www.hdfclife.com/retirement-and-pension-plans/smart-pension-plan?source=AD_TGT_HP_Storefnt_LHS_SPP&agentcode=399206">HDFC Life <span class="td-d">Smart Pension Plan</span></a><span class="flip-container"><a class="tagshref" id="c2r_d"  href=" https://www.hdfclife.com/retirement-and-pension-plans/smart-pension-plan?source=AD_TGT_HP_Storefnt_LHS_SPP&agentcode=399206"><button class="flip-button"><div class="flip-front Text_c"><p>Retirement Plan</p></div><div class="flip-back Text_c"><p>Tax Benefits</p></div></button></a></div></span><div class="plans-d"><a class="Plantile" id="smartp-d" href="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/click-2-invest-ulip-plan/Start-Investing?source=AD_TGT_HP_Click2SeriesV1_C2I&agentcode=00399206&language=undefined">HDFC Life <span class="td-d">Click 2 Invest</span></a></a><span class="flip-container"><a class="tagshref" id="c2w_d" href="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/click-2-invest-ulip-plan/Start-Investing?source=AD_TGT_HP_Click2SeriesV1_C2I&agentcode=00399206&language=undefined"><button class="flip-button"><div class="flip-front Text_d"><p>ULIP Plan</p></div><div class="flip-back Text_d"><p>Only ₹33.33 per day<sup>***</sup></p></div></button></a></div></span></div></div></div><div class="dotted-d"></div><div class="right-d"><div class="tp-d"><div class="bt-d"><span class="flip-container-Term"><a href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=AD_TGT_HP_ProductTile_1CrorePlan_C2PS&agentcode=895496" class="rightplan-d" id="free-d"><img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/icons/term.svg" alt="Term Plan" class="bgi-d"><p class="tpp-d">1 Cr. Term Plan</p><span class="flip-container-Term"><a class="tagshref" id="freeofcost_d" href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=AD_TGT_HP_ProductTile_1CrorePlan_C2PS&agentcode=895496"><button class="flip-button-term"><div class="flip-front-term Text_a"><p>Special Online Rates</p></div><div class="flip-back-term Text_a"><p>7% discount<sup>3</sup></p></div></button></a></span></a></div></span><div class="bt-d"><span class="flip-container-Term"><a href="https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchayplus-savings-plan/basic-details?&ocpseqno=1&source=AD_TGT_HP_PRODTILE_Variant_SP_SteadyInc&agentcode=00399206&language=sanchp_EN" class="rightplan-d" id="term-d"><img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/icons/QuickProtect-Icon-SVG.svg" alt="Guaranteed Benefits" class="bgi-d"><p class="tpp-d">Steady Income Plan </p><span class="flip-container-Term"><a class="tagshref" id="dream_d" href="https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchayplus-savings-plan/basic-details?&ocpseqno=1&source=AD_TGT_HP_PRODTILE_Variant_SP_SteadyInc&agentcode=00399206&language=sanchp_EN"><button class="flip-button-term"><div class="flip-front-term Text_a"><p>Life Cover</p></div><div class="flip-back-term Text_a"><p>Tax Benefits</p></div></button></a></span></a></div></span><div class="bt-d"><span class="flip-container-Term"><a href="https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchayplus-savings-plan/basic-details?source=AD_TGT_HP_ProductTileV1_Savings_SanPlu&agentcode=1057790&language=sanchp_EN" class="rightplan-d" id="savings-d"><img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/icons/savings.svg" alt="Savings" class="bgi-d"><p class="tpp-d">Savings Plan</p><span class="flip-container-Term"><a class="tagshref" id="sansavings_d" href="https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchayplus-savings-plan/basic-details?source=AD_TGT_HP_ProductTileV1_Savings_SanPlu&agentcode=1057790&language=sanchp_EN"><button class="flip-button-term"><div class="flip-front-term Text_a"><p>Save Tax</p></div><div class="flip-back-term Text_a"><p>3% Online Discount</p></div></button></a></span></a></div></span><div class="bt-d"><span class="flip-container-Term"><a href="https://www.hdfclife.com/retirement-and-pension-plans/smart-pension-plan?source=AD_TGT_HP_Storefnt_prdtile_SPP&agentcode=399206" class="rightplan-d" id="retire-d"><img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/icons/retirement1.svg" alt="Retirement Plan" class="bgi-d"><p class="tpp-d">Retirement Plan</p><span class="flip-container-Term"><a class="tagshref" id="retirec2r_d" href="https://www.hdfclife.com/retirement-and-pension-plans/smart-pension-plan?source=AD_TGT_HP_Storefnt_prdtile_SPP&agentcode=399206"><button class="flip-button-term"><div class="flip-front-term Text_a"><p>Tax Benefits</span></p></div><div class="flip-back-term Text_a"><p>Loyalty Additions</p></div></button></a></span></a></div></span><div class="bt-d"><span class="flip-container-Term"><a href=" https://www.hdfclife.com/ulip-plans" class="rightplan-d" id="ulip-d"><img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/icons/ulip.svg" alt="ULIPs" class="bgi-d"><p class="tpp-d">ULIPs</p><span class="flip-container-Term"><a class="tagshref" id="spulip_d" href=" https://www.hdfclife.com/ulip-plans"><button class="flip-button-term"><div class="flip-front-term Text_a"><p>Free fund switches</p></div><div class="flip-back-term Text_a"><p>100X Life Cover</p></div></button></a></span></a></div></span></div><div class="bottomhead-div"><p class="bhead-d">99.50% Individual Death Claims Settlement Ratio<sup>##</sup></p></div></div></div>')

$("#discPopup #collapse1 p:eq(1)").html('1. The policy holder has option to receive Smart exit benefit: If the policyholder has exercised the option to change premium payment term, Total Premiums Paid will include premiums paid only from the date of converting to Limited Pay (Refer brochure of more details).<br>The policy holder has option to choose Return of Premium (ROP) Option: If this option is chosen, policyholder will have to pay an additional premium over and above that payable for the base plan and he/she will receive a return of 100% of the Total Premiums paid as lump sum, upon survival till maturity.  Available under Life & Life Plus plan options<br>2. Online Premium for HDFC Life Click 2 Protect Super Life Option, Male Life Assured, Non-Smoker, 25 years of age, Policy term of 30 years, Regular pay, Annual frequency, exclusive of taxes and levies as applicable. (Annualized Premium of 9214/365=25.7)<br>3. Discount is applicable for first year premium only of HDFC Life Click 2 Protect Super. 7% discount consists of 5% online discount, 2% existing customer discount<br>4. Monthly Premium for HDFC Life Smart Pension Plan. (3000/30=100) It is subject to change depending on final plan option and product selected.<br>6.&nbsp;Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options.<br>7.&nbsp;HDFC Life Guaranteed Income Insurance Plan UIN: 101N146V04. A Non-Linked, Non-Participating Individual Life Insurance Savings Plan.<br>8. HDFC Life Sanchay Par Advantage (UIN: 101N136V03), A Non-Linked Participating, Life Insurance Plan coverage is available in this product.<br>9. Investment amount shown for HDFC Life Click 2 Retire. Calculation for 30 year old male and assuming retirement age of 60<br>##Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2023-24.')

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                            premium amount without GST for HDFC Life Click 2 Achieve Early Income Plan
                        </li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">3. Premium for HDFC Life Click 2 Retire plan. It is
                            subject to change depending on final plan option and product selected</li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">4. Premium for HDFC Life Sanchay Par Advantage. It is subject to change depending on the final plan option and product selected. (Monthly premium of 2188/30=73)
                        </li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">5. Premium for HDFC Life Sanchay Plus. It is subject to change depending on the final plan option and product selected. (Monthly premium of 2500/30=84)</li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">6. The minimum premium amount is set at ₹1000,
                            equivalent to just ₹34 per day
                        </li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">7. Amount of guaranteed income will depend upon premiums paid subject to applicable terms and conditions.
                        </li>
                    </ul>
                </div>
            </div>
            `
        )

        document.querySelector("#homepagewith3rdparty-ae9a529a2b > div.widthCenter div.experiencefragment.aem-GridColumn.aem-GridColumn--default--12").insertAdjacentHTML("afterend", `
    <div class="main_box_all_plan_cards" style="background: #F2FAFF;    height: 530px;">
            <h1 class="tvc_all_plan_cards_heading" style="text-align: center;padding: 32px 0px 20px 0px;font-size: 32px;font-weight: bold;font-family: poppins;color: #233253;">I want to know more about...</h1>
            <div class="tvc_all_plan_cards_wrapper">
                <div class="tvc_all_plan_cards">
                    <div class="tvc_plan_card">
                        <span class="tvc_all_card_name">1 Cr. Term</span>
                        <h3 class="tvc_all_card_price">Insurance Cover</h3>
                        <p class="tvc_all_card_tenure">Premium starting at</p>
                        <p class="tvc_all_card_tenure1">Just ₹21/day<sup style="font-size: 10px;">1</sup></p>
                        <a href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=AD_TGT_TVK_HP_Iwanto_C2PS&agentcode=895496"
                            class="tvc_all_card_arrow" id="tvc_all_card_arrow1">Calculate Now &gt;</a>
                        <img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/termplan.png" style="max-width: 300px;height: 180px;width: 300px;transform: rotateY(180deg);left: -12%;"
                            class="tvc_homepage_plans_image" data-loaded="true">
                    </div>
                    <div class="tvc_plan_card">
                        <span class="tvc_all_card_name">Customizable</span>
                        <h3 class="tvc_all_card_price">Dream Plan</h3>
                        <p class="tvc_all_card_tenure">Premium starting at</p>
                        <p class="tvc_all_card_tenure1">Just ₹84/day<sup style="font-size: 10px;">2</sup></p>
                        <a href="https://onlineinsurance.hdfclife.com/buy-online-savings-plans/click-2-achieve/basic-details?source=AD_TGT_TVK_HP_Iwanto_C2A&agentcode=00399206&language=en"
                            class="tvc_all_card_arrow" id="tvc_all_card_arrow2">Calculate Now &gt;</a>
                        <img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/rishabh-c2a.png"
                            class="tvc_homepage_plans_image" data-loaded="true" style="height: 205px;width: 166px;bottom: -18px;transform: rotateY(180deg);left: 35%;">
                        <p class="tvc_most_purchased_plan">Grow money<span style="font-weight: 600;margin-left: 3px;">4X</span></p>
                    </div>
                    <div class="tvc_plan_card">
                        <span class="tvc_all_card_name">Invest Lumpsum </span>
                        <h3 class="tvc_all_card_price">Amount Now</h3>
                        <p class="tvc_most_purchased_plan"><span style="font-weight: 500;margin-left: 3px;">For age 45 and above</span></p>
                        <p class="tvc_all_card_tenure">Invest once, enjoy lifetime </p>
                        <p class="tvc_all_card_tenure1">Guaranteed Income<sup style="font-size: 10px;">7</sup></p>
                        <a href="https://onlineinsurance.hdfclife.com/buy-online-retirement-and-pension-plans/new-immediate-annuity-plan?source=AD_TGT_TVK_HP_Iwanto_NIA&amp;agentcode=00399206&amp;language=undefined" class="tvc_all_card_arrow" id="tvc_all_card_arrow3">Calculate Now &gt;</a>
                        <img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/annuity3.png" style="max-width: 270px;height: 171px;width: 280px;transform: rotateY(180deg);left: -1%;" class="tvc_homepage_plans_image" data-loaded="true">
                    </div>
                    <div class="tvc_plan_card">
                        <span class="tvc_all_card_name">Start Early to</span>
                        <h3 class="tvc_all_card_price"> Retire Early</h3>
                        <p class="tvc_all_card_tenure">Premium starting at</p>
                        <p class="tvc_most_purchased_plan"><span style="font-weight: 500;margin-left: 3px;">Low entry age of 18</span></p>
                        <p class="tvc_all_card_tenure1"> Just ₹67/day<sup style="font-size: 10px;">3</sup></p>
                        <a href="https://onlineinsurance.hdfclife.com/buy-online-retirement-and-pension-plans/click-2-retire-plan/Calculator?source=AD_TGT_TVK_HP_Iwanto_C2R&agentcode=00399206&language=en"
                            class="tvc_all_card_arrow" id="tvc_all_card_arrow4">Calculate Now &gt;</a>
                        <img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/early-retirement.png" style="max-width: 298px;height: 173px;width: 265px;transform: rotateY(180deg);left: -2%;"
                            class="tvc_homepage_plans_image" data-loaded="true">
                    </div>
                    <div class="tvc_plan_card">
                        <span class="tvc_all_card_name">Guaranteed</span>
                        <h3 class="tvc_all_card_price"> Returns Plans</h3>
                        <p class="tvc_all_card_tenure">Premium starting at</p>
                        <p class="tvc_all_card_tenure1">Just ₹73/day<sup style="font-size: 10px;">4</sup></p>
                        <a href="
https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchaypar-savings-plan/basic-details?source=AD_TGT_TVK_HP_Iwanto_SanPar&agentcode=00399206&language=en"
                            class="tvc_all_card_arrow" id="tvc_all_card_arrow5">Calculate Now &gt;</a>
                        <img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/guaranteed-income.png" style="max-width: 328px;height: 193px;width: 306px;left: -33px;"
                            class="tvc_homepage_plans_image" data-loaded="true">
                    </div>
                    <div class="tvc_plan_card">
                        <span class="tvc_all_card_name">Sanchay </span>
                        <h3 class="tvc_all_card_price">Savings Plans</h3>
                        <p class="tvc_all_card_tenure">Premium starting at</p>
                        <p class="tvc_all_card_tenure1">Just ₹84/day<sup style="font-size: 10px;">5</sup></p>
                        <a href="https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchayplus-savings-plan/basic-details?ocpseqno=1&source=AD_TGT_TVK_HP_Iwanto_Sanchay&agentcode=00399206&language=sanchp_EN"
                            class="tvc_all_card_arrow" id="tvc_all_card_arrow6">Calculate Now &gt;</a>
                        <img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/protectioninvestment.png" style="max-width: 329px;height: 191px;width: 318px;transform: rotateY(180deg);left: -19%;" class="tvc_homepage_plans_image">
                    </div>
                    <div class="tvc_plan_card">
                        <span class="tvc_all_card_name">Unit Linked </span>
                        <h3 class="tvc_all_card_price">Insurance Plans</h3>
                        <p class="tvc_all_card_tenure">Investment starting</p>
                        <p class="tvc_most_purchased_plan"><span style="font-weight: 500;margin-left: 3px;">Build wealth + Life cover</span></p>
                        <p class="tvc_all_card_tenure1">Just ₹34/day<sup style="font-size: 10px;">6</sup></p>
                        <a href="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/click-2-wealth-plan/Start-Investing/Lead-Form?ocpseqno=1&source=AD_TGT_TVK_HP_Iwanto_C2W&agentcode=00399206&language=c2w_EN&categcd=INVT"
                            class="tvc_all_card_arrow" id="tvc_all_card_arrow7">Calculate Now &gt;</a>
                        <img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/ulip.png" style="max-width: 330px;height: 196px;width: 314px;left: 23%;"
                            class="tvc_homepage_plans_image" data-loaded="true">
                    </div>
                </div>
        
                <button class="tvc_plans_disclaimers_cta"
                    style="margin-top: 40px; background: none;z-index: 9;position: absolute;text-decoration: underline;border: none;color: #233253;font-size: 12px;font-weight: 600;font-family: 'Poppins';">Disclaimers
                    &gt;</button>
            </div>
        </div>
    
    `)
        document.querySelector(".tvc_plans_disclaimers_cta").addEventListener("click", function () {
            document.querySelector(".tvc_plan_disclaimers_wrapper").style.display = "flex"
        })
        document.querySelector(".tvc_homepage_plan_disclaimers_close_icon").addEventListener("click", function () {
            document.querySelector(".tvc_plan_disclaimers_wrapper").style.display = "none"
        })
        document.querySelectorAll(".tvc_plan_card").forEach(function (item) {
            item.addEventListener("click", function () {
                item.querySelector(".tvc_all_card_arrow").click()
            })
        })
        
        clearInterval(startIntervalhypothesis1jun)

    }
}, 200)



  </script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Updated [AB][TVC June 1 Desktop] Redesigning the \u2018I want to know more\u2019 section on the homepage","CampaignId":"714925","RecipeName":"Variant","RecipeId":"1","OfferId":"24444","OfferName":"Default Content","MboxName":"target-global-mbox"});
</script><script>
var stickyhp = setInterval(function(){
if(window.location.href=="https://www.hdfclife.com/"){
if($(".buyOnlineSticky").length==0){
	$("body").append('<div class="buyOnlineSticky" style="width: 182px;position: fixed;bottom: 80px;font-size: 14px;right: 14px;transition: .1s ease-in-out;text-align: center;cursor: pointer;height: 50px;background: #ed1c24;border-radius: 13px;padding: 13px;color: #fff;font-weight: 500;z-index: 9999;" role="presentation"><a style="color:white;"href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=AD_TGT_HP_C2PS_Sticky_BuyTermPlan&agentcode=895496" target="_blank">Buy Term Plan</a></div>')
	
	 adobe.target.trackEvent({'mbox':'StickyCTA_Imp'})
	 
	$(".buyOnlineSticky > a").click(function(){
 adobe.target.trackEvent({'mbox':'Sticky_Button_Click'})
	
	})
  }
}
//show on scroll
$(".buyOnlineSticky").hide();
					jQuery(document).ready(function () {

			  jQuery(window).scroll(function () {

				var docScroll = jQuery(document).scrollTop();

				if (docScroll >= 300) {

				 $(".buyOnlineSticky").css("display","block");
				  

				} else {

				  jQuery(".UpArrow").css("display","none");
				   $(".buyOnlineSticky").css("display","none");
				}

			  });

			});
	if($(".buyOnlineSticky").length>0){
	clearInterval(stickyhp);
	}		
},100)
</script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Q218 Sticky  CTA  A\/B Test","CampaignId":"669154","RecipeName":"Buy Term Plan","RecipeId":"0","OfferId":"24444","OfferName":"Default Content","MboxName":"target-global-mbox"});
</script><script>
var Mobilescanner=setInterval(function(){

var SAsitenofication = setInterval(function () {
    if (typeof jQuery != "undefined" && $(".slugBanner_dwa").length == 0) {
        clearInterval(SAsitenofication);
        $('body').append('<style>.animeIMG_dwa{width:85%}.slugBanner_dwa{display:block;width: 210px;padding: 0px;position: fixed;bottom: 65px;right: 0px;transition: 0.5s;z-index: 99;border-radius: 5px;cursor:pointer;animation: key1 .5s ease infinite alternate;transition:opacity 0.5s ease-in-out, right 0.5s ease-in-out;} .slugBanner_dwa .mydivslideTwo { display: none;} .slugBanner_dwa.showBannerTwo .mydivslideTwo { display: block; cursor: pointer; } .slugBanner_dwa.showBannerTwo .mydivslideAnimation_dw { display: none; }@keyframes key1{ 0% {transform: translateY(0px);} 100% {transform: translateY(-5px);} }</style>');
        
		
  
          $('body').append('<div class="slugBanner_dwa"><div class="mydivslideAnimation_dw"><img class="animeIMG_dwa" src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/QR-design1.png"></div></div>');
      
      /*   adobe.target.trackEvent({'mbox':'homepage_gif_IMP'});
		
		$(".mydivslideAnimation_dw").click(function(){
    adobe.target.trackEvent({ 'mbox': 'GIF_click' });

  });
     ; */
        var myObj = $('.grey-text,.grey-txt,#carouselExampleIndicators');
$(window).on('scroll', function() {
if(myObj.length>0){
if ($(window).scrollTop() < $(myObj).offset().top ) {
    $(".slugBanner_dwa").css("right","0px")
};	
	
if ($(window).scrollTop() > $(myObj).offset().top) {

    $(".slugBanner_dwa").css("right","-230px")

}

};
});
 
    };
}, 100)
    

           
   //clearInterval(Mobilescanner)
    },100);
	</script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Q332 Homepage Mobile App Scanner Animation > A\/B V1","CampaignId":"725976","RecipeName":"Experience A","RecipeId":"0","OfferId":"24444","OfferName":"Default Content","MboxName":"target-global-mbox"});
</script><script>
$(document).ready(function(){
if(typeof jQuery != "undefined" && $(".homeproductcardsnew").length > 0){
$(".newtag:eq(0)").text("Trending")
$(".newtag:eq(1)").text("New Benefits")

adobe.target.trackEvent({'mbox':'ProductCards_tags_IMP'});
$(".d-lg-inline:eq(0)").click(function(){
	adobe.target.trackEvent({'mbox':'C2PSCalpre_CLICK'});
})

$(".outlinebutton:eq(0)").click(function(){
	adobe.target.trackEvent({'mbox':'C2PSexplore_CLICK'});
})

$(".d-lg-inline:eq(1)").click(function(){
	adobe.target.trackEvent({'mbox':'sanchayCalpre_CLICK'});
})

$(".outlinebutton:eq(1)").click(function(){
	adobe.target.trackEvent({'mbox':'sanchayexplore_CLICK'});
})
}
})
</script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Q235 Homepage Product Cards Tag Update> XT","CampaignId":"687003","RecipeName":"Experience A","RecipeId":"0","OfferId":"24444","OfferName":"Default Content","MboxName":"target-global-mbox"});
</script><script>
var tooltipadd=setInterval(function(){
if($(".tool").length==0){
$("body").append("<style>.langSwitch { width: 53px; height: 28px; font-size: 1.5em; margin-left: 37px; top: -13px; } span.tool { position: relative; top: 38px; background: #000000; width: max-content; font-size: 11px; display: block; left: -4px; font-weight: 500; padding: 5px 8px 2px 8px; text-align: center; color: #fff; border-radius: 5px; /* transition: 1s; */ animation: key1 .5s ease infinite alternate; } span.tool:after { content: ''; display: block; position: absolute; left: 0; right: 0; margin-left: auto; margin-right: auto; bottom: 100%; width: 0; height: 0; border-bottom: 5px solid #212529; border-top: 5px solid transparent; border-left: 5px solid transparent; border-right: 5px solid transparent; } @keyframes key1{ 0% {transform: translateY(0px);} 100% {transform: translateY(-5px);} }</style>")	
$(".langSwitch").append('<span class="tool">हिंदी में पढ़ें</span>')
}	
	setTimeout(function() {

 $(".tool").fadeOut();

 }, 20000);
	
	
clearInterval(tooltipadd)	
},100)
 adobe.target.trackEvent({'mbox':'languagetoggle_IMP'});
$(".langHindi").click(function(){
adobe.target.trackEvent({'mbox':'languagetoggle_click'});
})

</script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Q188 Language toggle tooltip Addition > A\/B","CampaignId":"608992","RecipeName":"Tooltip","RecipeId":"1","OfferId":"24444","OfferName":"Default Content","MboxName":"target-global-mbox"});
</script><script>


var DelayBanner = setInterval(function(){

if(typeof jQuery != "undefined" && $(".whtsappBanner").length == 0){

$(".toggle-image-with-text-op:eq(2)").after('<div class="whtsappBanner" style="display:block;position:relative;margin:auto;padding-bottom: 20px;"><img class="whtsaIMG" style="width:auto;" src="https://s7ap1.scene7.com/is/image/Targethdfclife/Whats%20app%20banner%20(1)?tm=1707823705686&fit=constrain&hei=392&wid=1920&fmt=png-alpha" alt="Need a policy" class="leftwh-icon"></div></div>');

adobe.target.trackEvent({'mbox':'whatsappbanner_Impression'})
	
}
if($(".whtsappBanner").length>0){
clearInterval(DelayBanner);
}
},100)
</script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Q264 Homepage Whatsapp Banner Addition > XT","CampaignId":"692907","RecipeName":"Experience A","RecipeId":"0","OfferId":"24444","OfferName":"Default Content","MboxName":"target-global-mbox"});
</script><script>
var NRIpopup= setTimeout(function(){

if($(".NRItcpopup").length==0 && sessionStorage.getItem("NRIPopup")!="NRItcpopup"){

 $("body").append('<style> /* Popup box BEGIN */ .outlinebutton_NRI{cursor: pointer; position: absolute; top: 84.5%; width: 18.5%; margin: auto; height: 7.5%; left: 30%;} .mainnri{display: block;margin: auto;top: 35px;height: 84%;width: 83%;background-repeat: no-repeat; }.NRItcpopup{ background: rgba(0, 0, 0, .3);backdrop-filter: blur(30px); display:block; height:100%; position:fixed; text-align:center; top:0px; width:100%; z-index:10000; }  .NRItcpopup > div { display: inline-block; position: relative; width: auto; height: 80%; top: 60px; } .NRI_whiteBtn{cursor: pointer; position: absolute; top: 84%; width: 19.5%; margin: auto; height: 8.5%; left: 50%;}    /* Popup box BEGIN */ </style><div class="NRItcpopup">  <div class="mainnri" >  <img src="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/home/Nri-Creative-lightbox-Desktop.png"style="height:100%;width:100%;"><a  target="_self" href="https://www.hdfclife.com/nri-homepage"><div class="outlinebutton_NRI" ></div></a><div class="NRI_whiteBtn"></div> </div> </div>')

sessionStorage.setItem("NRIPopup","NRItcpopup")

$(".NRI_whiteBtn").click(function(){
  adobe.target.trackEvent({'mbox':'stayondomestic_click'});
    $(".NRItcpopup").css("display","none")
})
$(".outlinebutton_NRI").click(function(){
  adobe.target.trackEvent({'mbox':'nrihomepage_click'});
   
})
}

clearTimeout(NRIpopup)
},4000)
</script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Q321 Homepage > NRI Website Popup > XT V1","CampaignId":"721942","RecipeName":"Experience A","RecipeId":"0","OfferId":"24444","OfferName":"Default Content","MboxName":"target-global-mbox"});
</script><script>
$(document).ready(function(){
if(typeof jQuery != "undefined" && $(".homeproductcardsnew").length > 0){
$(".homeproductcardsnew h2").text("Our Top Selling Online Insurance Solutions ")
adobe.target.trackEvent({'mbox':'PC_heading_IMP'});
//c2ps
$(".cards-scroller li.col-12:eq(0) a.d-lg-inline").click(function(){
	adobe.target.trackEvent({'mbox':'PC_C2PS_Click'});
})
$(".cards-scroller li.col-12:eq(0) a.outlinebutton").click(function(){
	adobe.target.trackEvent({'mbox':'PC_C2PS_ExploreClick'});
})
//sanchay plus
$(".cards-scroller li.col-12:eq(1) a.d-lg-inline").click(function(){
	adobe.target.trackEvent({'mbox':'PC_Sanchay_Click'});
})
$(".cards-scroller li.col-12:eq(1) a.outlinebutton").click(function(){
	adobe.target.trackEvent({'mbox':'PC_Sanchay_ExploreClick'});
})
//smart protect
$(".cards-scroller li.col-12:eq(2) a.d-lg-inline").click(function(){
	adobe.target.trackEvent({'mbox':'PC_Smart_Click'});
})

$(".cards-scroller li.col-12:eq(2) a.outlinebutton").click(function(){
	adobe.target.trackEvent({'mbox':'PC_Smart_ExploreClick'});
})

}
})
</script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Q210 Homepage Product cards Heading Change> A\/B[5-95%]","CampaignId":"663383","RecipeName":"New Heading","RecipeId":"1","OfferId":"24444","OfferName":"Default Content","MboxName":"target-global-mbox"});
</script><script>


var NewBanner=setInterval(function(){
if(typeof jQuery !="undefined" && $(".buyOnlineSticky").length==0 && window.innerWidth>768){
 if(window.location.pathname==("/ulip-plans/smart-protect-plan")||window.location.href.indexOf("ulip-plans/sampoorn-nivesh-ulip-policy")>-1||window.location.pathname==("/ulip-plans/click-2-wealth-ulip-plan")){
	
	
	$("body").append('<div class="buyOnlineSticky" style="width: 182px;position: fixed;bottom: 80px;font-size: 14px;right: 14px;transition: .1s ease-in-out;text-align: center;cursor: pointer;height: 50px;background: #ed1c24;border-radius: 13px;padding: 13px;color: #fff;font-weight: 500;z-index: 9999;" role="presentation"><a style="color:white;"href="#" target="_blank">Check Returns</a></div>')
	
	 adobe.target.trackEvent({'mbox':'TermPlan_PP_Imp'})
	
	if(window.location.pathname==("/ulip-plans/smart-protect-plan")){
		$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-investment-plans/smart-protect-plan/basic-details?source=AD_TGT_PP_SProtectPlan_Sticky_CalcPre&agentcode=00399206&language=en ")
	
		$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'SmartProtect_PP'})
	})
	}
	
	if(window.location.href.indexOf("ulip-plans/sampoorn-nivesh-ulip-policy")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-investment-plans/sampoorn-nivesh-plan/basic-details?source=AD_TGT_PP_SN_Sticky_CalcPre&agentcode=00399206&language=en")
	
	$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'Sampoornnivesh_PP'})
	})
	
	}
	
	if(window.location.pathname==("/ulip-plans/click-2-wealth-ulip-plan")){
		$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-investment-plans/click-2-wealth-plan/Start-Investing/Lead-Form?ocpseqno=1&source=AD_TGT_PP_C2W_StickyCTA&agentcode=00399206&language=c2w_EN&categcd=INVT")
		
	$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'C2W_PP'})
	})
	}
} 


if(window.location.href==("https://www.hdfclife.com/term-insurance-plans/click-2-protect-super") || window.location.href.indexOf("term-insurance-plans/saral-jeevan-bima")>-1|| window.location.pathname==("/savings-plans/sanchay-fixed-maturity-plan")|| window.location.href.indexOf("ulip-plans/click-2-invest-ulip-plan")>-1 || window.location.href.indexOf("ulip-plans/progrowth-plus-ulip-plan")>-1 || window.location.href.indexOf("retirement-and-pension-plans/systematic-retirement-plan")>-1 || window.location.href.indexOf("retirement-and-pension-plans/pension-guaranteed-plan")>-1 || window.location.href.indexOf("health-insurance-plans/cardiac-care")>-1 || window.location.href.indexOf("health-insurance-plans/cancer-care-insurance")>-1 || window.location.href.indexOf("term-insurance-plans/quick-protect")>-1 ||window.location.pathname==("/savings-plans")||window.location.pathname==("/ulip-plans")||window.location.pathname==('/term-insurance-plans/zero-cost-term-insurance')){
	
	
	$("body").append('<div class="buyOnlineSticky" style="width: 182px;position: fixed;bottom: 80px;font-size: 14px;right: 14px;transition: .1s ease-in-out;text-align: center;cursor: pointer;height: 50px;background: #ed1c24;border-radius:13px;padding: 13px;color: #fff;font-weight: 500;z-index: 9999;word-spacing: 2px" role="presentation"><a style="color:white;"href="#" target="_blank">Calculate Premium</a></div>')
	
	adobe.target.trackEvent({'mbox':'TermPlan_PP_Imp'})
	
	if(window.location.href==("https://www.hdfclife.com/term-insurance-plans/click-2-protect-super")){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=AD_TGT_C2PS_Sticky_CalcPre&agentcode=895496&language=en")
	
	$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'TermPlan_PP'})
	})
	
	}
	
	
	
	
	
		if(window.location.href.indexOf("term-insurance-plans/saral-jeevan-bima")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/saral-jeevan-bima/basic-details?source=NW_SJB_Sticky_CalcPre&agentcode=00399206&language=en")
	
	$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'SaralJeevan_PP'})
	})
	}
	
	
				if(window.location.pathname==("/savings-plans/sanchay-fixed-maturity-plan")){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchay-fixed-maturity-plan/basic-details?source=AD_TGT_PP_SFMP_Sticky_CalcPre&agentcode=00399206&language=en")
	
	$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'FixedMaturity_PP'})
	})
	}
	
	
	
	if(window.location.href.indexOf("ulip-plans/click-2-invest-ulip-plan")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-investment-plans/click-2-invest-ulip-plan/Start-Investing?source=AD_TGT_PP_C2I_Sticky_CalcPre&agentcode=00399206&language=undefined")
	
	$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'C2I_PP'})
	})
	
	}
	
	if(window.location.href.indexOf("ulip-plans/progrowth-plus-ulip-plan")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-investment-plans/progrowth-plus-ulip-plan?source=NW_PGP_Sticky_CalcPre&agentcode=00399206&language=undefined")
	
	$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'Progrowth_PP'})
	})
	}
	
	if(window.location.href.indexOf("retirement-and-pension-plans/systematic-retirement-plan")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-retirement-and-pension-plans/systematic-retirement-plan/basic-details?source=NW_SRP_Sticky_CalcPre&agentcode=00399206&language=undefined")
	
		$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'SRP_PP'})
	})
	}
	
	
	     if(window.location.href.indexOf("retirement-and-pension-plans/pension-guaranteed-plan")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-retirement-and-pension-plans/pension-guaranteed-plan?source=NW_PGNP_Sticky_CalcPre&agentcode=00399206&language=undefined")

	$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'PGP_PP'})
	})
	}
	
	if(window.location.href.indexOf("health-insurance-plans/cardiac-care")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/cardiac-care-plan/CalculatePremium?source=NW_CC_Sticky_CalcPre&agentcode=00399206&language=undefined")
	
			$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'CardiacCare_PP'})
	})
	}
	
		if(window.location.href.indexOf("health-insurance-plans/cancer-care-insurance")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-health-insurance-plans/cancer-care-plan?source=NW_CANCARE_Sticky_CalcPre&agentcode=00399206&language=undefined")
	
		$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'CancerCare_PP'})
	})
	}
			if(window.location.href.indexOf("/term-insurance-plans/quick-protect")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-quick-protect/basic-details?source=ADTGT_QuickProtect_Sticky_CalcP&agentcode=00399206&language=en")

	$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'Quick_protect'})
	})
	}

//term category
/* 	if(window.location.pathname==("/term-insurance-plans")){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=AD_TGT_TermCate_C2PS_Sticky_CalcPre&agentcode=00399206&language=en")
	
		$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'C2PS_TermCategory'})
	})
	
	} */
	
	//savings category
	if(window.location.pathname==("/savings-plans")){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchayplus-savings-plan/basic-details?source=AD_TGT_SavingCate_SanchayP_Sticky_CalcPre&agentcode=00399206&language=en")
	
		$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'Sanchay_SavingsCategory'})
	})
	
	}
	
	//ulip category
	
	if(window.location.pathname==("/ulip-plans")){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-investment-plans/smart-protect-plan/basic-details?source=AD_TGT_UlipCate_SmartP_Sticky_CalcPre&agentcode=00399206&language=en")
	
	$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'Sampoorn_ulipCategory'})
	})
	
	}
	
	if(window.location.pathname==('/term-insurance-plans/zero-cost-term-insurance')){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super-rop/basic-details?source=AD_TGT_ZeroCost_Sticky_CalcPre&agentcode=00895492&language=en")
	
		$(".buyOnlineSticky > a").click(function(){
		 adobe.target.trackEvent({'mbox':'C2PS_ROP'})
	
	})
	
	}
	
}


if(window.location.href.indexOf("savings-plans/sanchay-par-advantage")>-1||window.location.href.indexOf("savings-plans/guaranteed-income-insurance-plan")>-1){
	
	$("body").append('<div class="buyOnlineSticky" style="width: 182px;position: fixed;bottom: 80px;font-size: 14px;right: 14px;transition: .1s ease-in-out;text-align: center;cursor: pointer;height: 50px;background: #ed1c24;border-radius:13px;padding: 13px;color: #fff;font-weight: 500;z-index: 9999;word-spacing: 2px" role="presentation"><a style="color:white;"href="#" target="_blank">Calculate Returns</a></div>')
	
	adobe.target.trackEvent({'mbox':'TermPlan_PP_Imp'})
	

	
		if(window.location.href.indexOf("savings-plans/sanchay-par-advantage")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchaypar-savings-plan?source=AD_TGT_PP_SPA_Sticky_CalcPre&agentcode=00399206&language=en")
	
		$(".buyOnlineSticky > a").click(function(){
	 adobe.target.trackEvent({'mbox':'SanchayPar_PP'})
	})
	
	}
	
			if(window.location.href.indexOf("savings-plans/guaranteed-income-insurance-plan")>-1){
	$(".buyOnlineSticky > a").attr("href","https://onlineinsurance.hdfclife.com/buy-online-savings-plans/guaranteed-income-insurance-plan/basic-details?source=AD_TGT_PP_GIIP_Sticky_CalcPre&agentcode=00399206&language=en")
	
		$(".buyOnlineSticky > a").click(function(){
		 adobe.target.trackEvent({'mbox':'GuaranteedIncome_PP'})
	
	})
	
	}
	
				
}

$(".buyOnlineSticky").hide();
					jQuery(document).ready(function () {

			  jQuery(window).scroll(function () {

				var docScroll = jQuery(document).scrollTop();

				if (docScroll >= 300) {

				 $(".buyOnlineSticky").css("display","block");
				  

				} else {

				  jQuery(".UpArrow").css("display","none");
				   $(".buyOnlineSticky").css("display","none");
				}

			  });

			});

	if($(".buyOnlineSticky").length>0){			
clearInterval(NewBanner);
	}
}
},100);
</script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Sticky CTA > All Visitor [100%]","CampaignId":"368568","RecipeName":"Experience A","RecipeId":"0","OfferId":"1562814","OfferName":"\/sticky_cta\/experiences\/0\/pages\/0\/zones\/0\/1640799489832","MboxName":"target-global-mbox"});
</script><script>
var tollno=setInterval(function(){
  	$("body").append('<style>.aos-animate .schedule-btn{background:white!important;color:#ed1c24!important;}</style>')
if($(".tollnumber").length==0 && $(" .aos-animate .schedule-btn").length>0){
	
	$(" .aos-animate .schedule-btn").before('<div class="tollnumber" style="display:inline-block;position:relative;padding-right:30px;height:auto;width:auto"><span class="cllnowcta" style="margin-right:30px;color:#fff;border-radius:4px;font-size:12px;line-height:20px;font-weight:600;border:1px solid #ed1c24;padding:7px 10px!important;min-width:135px;outline:0!important;background:#ed1c24;text-transform:uppercase;cursor:pointer" >CALL NOW : 1800-266-9777</span><span style="font-size:16px;font-weight:700">or</span></div>')
	
	adobe.target.trackEvent({'mbox':'tollfreenumber_imp'});
	
if(window.location.href==("https://www.hdfclife.com/")){
$(".cllnowcta").click(function(){
adobe.target.trackEvent({'mbox':'tollfreenumber_homepage_click'});
})
}	
	
if(window.location.pathname==("/term-insurance-plans")){
$(".cllnowcta").click(function(){
adobe.target.trackEvent({'mbox':'tollfreenumber_termplan_click'});
})
}	
	
if(window.location.pathname==("/term-insurance-plans/click-2-protect-super")){
$(".cllnowcta").click(function(){
adobe.target.trackEvent({'mbox':'tollfreenumber_C2PS_click'});
})
}	
	
if(window.location.pathname==("/term-insurance-plans/click-2-protect-life")){
$(".cllnowcta").click(function(){
adobe.target.trackEvent({'mbox':'tollfreenumber_C2PL_click'});
})
}	
	
	
}	

	
clearInterval(tollno)
	
},100)
</script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Q161 toll free number widget on Banner Addition > XT","CampaignId":"601409","RecipeName":"Experience A","RecipeId":"0","OfferId":"1290202","OfferName":"\/q161_toll_free_numberwidgetonbanneradditionxt\/experiences\/0\/pages\/0\/zones\/0\/1683630477293","MboxName":"target-global-mbox"});
</script><script>
  
 //For DEsktop
  
try{
    var Desktop = setInterval(function() {
	
	if(typeof jQuery !="undefined" && $(".CallTO").length==0 && window.innerWidth>=1280){
	
	$("body").append("<style>.CallTO{border-radius: 4px;position: absolute; padding: 4px 15px 3px 15px; position: absolute; margin-left: 0%; margin-top: 97px; background: #005e9e; animation: pulsee 1.5s 55;animation-iteration-count: 10;}@-webkit-keyframes pulsee { 1% { -webkit-box-shadow: 0 0 0 0 rgba(237,28,36,1.5); } 70% { -webkit-box-shadow: 0 0 0 10px rgba(237,28,36,0); } 100% { -webkit-box-shadow: 0 0 0 0 rgba(237,28,36,0); }}</style>")
	
$('.headerWrap').append('<div class="CallTO"><span style="text-decoration: none; color: #233253; font-weight: 600; background: white; border-radius: 50%; margin-right: 5px;"><img src="/content/dam/hdfclifeinsurancecompany/icons/call-icon.svg" alt="hdfc life customer call to buy" style="width: 23px; height: 14px; right: 0px; top: -1px; position: relative;"></span><span style="text-decoration: none; color: white; font-size: 12.5px;">Call To Buy</span><span style="text-decoration: none; color: white; font-weight: 600; font-size: 13.5px;"> 1800-266-9777 (9am To 11pm)</span></div>');


}
if($(".CallTO").length>0){
clearInterval(Desktop);
}
}, 100);
  
 } catch (e){}
 
 //# sourceURL=inbound.js
  
</script><script type="text/javascript">
/*T&T Metadata v3 ==>Response Plugin*/
window.ttMETA=(typeof(window.ttMETA)!="undefined")?window.ttMETA:[];window.ttMETA.push({"CampaignName":"Inbound Toll free no CTA Addition > All Visitor [100%]","CampaignId":"358664","RecipeName":"Experience A","RecipeId":"0","OfferId":"1557243","OfferName":"\/inbound_toll_freenocta\/experiences\/0\/pages\/0\/zones\/0\/1638362398449","MboxName":"target-global-mbox"});
</script><style><br>    <br>    .tvc_all_plan_cards_wrapper{<br>        overflow: auto;<br>        margin-left: 48px;<br>        padding-bottom: 24px;<br>    }<br>    <br>    .tvc_all_card_arrow:hover{<br>        color: #ED1C24;<br>    }<br>    .tvc_all_plan_cards{<br>        display:flex;<br>        min-width: 124%;<br>        margin-left: 10px;<br>        gap: 16px;<br>    }<br>    .tvc_plan_card {<br>        background: transparent linear-gradient(195deg, #f2faff 0%, #a9d5f3 100%);<br>        min-width: 270px;<br>        height: 345px;<br>        position: relative;<br>        cursor: pointer;<br>    cursor: pointer;<br>        overflow: hidden;<br>        border-radius: 7px;<br>            border: 2px solid #005E9E;<br>    }<br>    .tvc_plan_card:hover{<br>        box-shadow: 3px 4px 5px rgba(0, 0, 0, 0.2);<br>    }<br>    .tvc_all_card_name {<br>        color: #005E9E;<br>        font-weight: bold;<br>        font-family: 'Poppins';<br>        font-size: 20px;<br>        position: absolute;<br>        top: 35px;<br>        left: 20px;<br>    }<br>    <br>    .tvc_all_card_price {<br>        color: #005E9E;<br>        font-weight: bold;<br>        font-family: 'Poppins';<br>        font-size: 20px;<br>        position: absolute;<br>        top: 60px;<br>        left: 20px;<br>    }<br>    <br>    .tvc_all_card_tenure {<br>        color: #233253;<br>        font-family: 'Poppins';<br>        font-size: 16px;<br>        position: absolute;<br>        top: 92px;<br>        left: 20px;<br>    }<br>    <br>    .tvc_all_card_tenure p {<br>        font-weight: 500;<br>    }<br>    <br>    .tvc_all_card_arrow {<br>        font-size: 14px;<br>        color: #ED1C24;<br>        display: flex;<br>        align-items: center;<br>        justify-content: center;<br>        border-radius: 50%;<br>        font-weight: 600;<br>        position: absolute;<br>        left: 20px;<br>        top: 44%;<br>        cursor: pointer;<br>    }<br>    <br>    .tvc_homepage_plans_image {<br>        position: absolute;<br>        width: 270px;<br>        bottom: 0;<br>        height: 177px;<br>        left: 0;<br>        border-radius: 7px;<br>    }<br>    <br>    .tvc_most_purchased_plan {<br>        background: #FFBCBF;<br>        color: black;<br>        font-size: 12px;<br>        position: absolute;<br>        padding: 3px 6px;<br>        border-radius: 0px 0px 5px 5px;<br>        top: 0px;<br>        left: 22px;<br>    }<br>    .tvc_all_plan_cards_wrapper::-webkit-scrollbar-thumb {<br>        background: #005E9E;<br>        border-radius: 10px;<br>        margin-left: 25px !important;<br>    }<br>    .tvc_all_plan_cards_wrapper::-webkit-scrollbar-track {<br>        background: white;<br>        border-radius: 10px;<br>    }<br>    .tvc_all_plan_cards_wrapper::-webkit-scrollbar {<br>        height: 5px;<br>    }<br>    p.tvc_all_card_tenure1 {<br>    color: #233253;<br>        font-family: 'Poppins';<br>        font-size: 16px;<br>        position: absolute;<br>        top: 112px;<br>        left: 20px;<br>        font-weight: 600;<br>    }<br>    <br>    </style><script type="text/javascript" class="notify-visitors-element">(function (){window.addEventListener("notifyvisitors_callback",function(e){
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                ga('send', {
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  const searchFormInput = document.getElementById("searchInputBox");
  const searchFormWrap = document.querySelector(".searchBarWrap");
  const nv_MobSeachFormElem = document.querySelector("#mobile-primary-nav form div.ui-front");
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  var myDiv = document.createElement("div");
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  span.innerHTML = '<span style=" display: block; color: #e1121b; font-weight: bold; font-style: italic; ">Try Me!</span><button type="button"  class="voice-btn" id="voice-btn2" title="Search by voice" style="background: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyNCIgaGVpZ2h0PSIyNCI+PHBhdGggZmlsbD0ibm9uZSIgZD0iTTAgMGgyNHYyNEgweiIvPjxwYXRoIGZpbGw9IiM0Mjg1RjQiIGQ9Ik0xMiAxNWMxLjY2IDAgMi45OS0xLjM0IDIuOTktM0wxNSA1YzAtMS42Ni0xLjM0LTMtMy0zUzkgMy4zNCA5IDV2N2MwIDEuNjYgMS4zNCAzIDMgM3oiLz48cGF0aCBmaWxsPSIjMzRBODUzIiBkPSJNMTEgMTguOTJoMlYyMmgtMnoiLz48cGF0aCBmaWxsPSIjRjRCNDAwIiBkPSJNNyAxMkg1YzAgMS45My43OCAzLjY4IDIuMDUgNC45NWwxLjQxLTEuNDFDNy41NiAxNC42MyA3IDEzLjM4IDcgMTJ6Ii8+PHBhdGggZmlsbD0iI0VBNDMzNSIgZD0iTTEyIDE3Yy0xLjM4IDAtMi42My0uNTYtMy41NC0xLjQ3bC0xLjQxIDEuNDFBNi45OSA2Ljk5IDAgMCAwIDEyLjAxIDE5YzMuODcgMCA2Ljk4LTMuMTQgNi45OC03aC0yYzAgMi43Ni0yLjIzIDUtNC45OSA1eiIvPjwvc3ZnPg==) no-repeat center;  bottom: 0; cursor: pointer; width: 20px;border:0px;height: 35px;"><span class="microphone-icon"></span></button>';
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      if(nv_MobSeachFormElem){
          nv_MobSeachFormElem.style.position = "relative";
          nv_MobSeachFormElem.insertAdjacentHTML("beforeend",'<button type="button" class="voice-btn" id="voice-btn3"  title="Search by voice" style="background: url(data:image/svg+xml;base64,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) no-repeat center;  bottom: 0; cursor: pointer;  position: absolute; right: ' + right + '; top:' + top + '; width: 20px;border:0px;height: 40px;"><span class="microphone-icon"></span></button>');
      }
  
      if(searchForm){
          const micBtn = searchForm.querySelector("#voice-btn");
          if(micBtn){
              micBtn.addEventListener("click", micBtnClick);
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      const micBtn2 = document.getElementById("voice-btn2");
      if(micBtn2){
          micBtn2.addEventListener("click", micBtnClick);
      }
      const micBtn3 = document.getElementById("voice-btn3");
      if(micBtn3){
          micBtn3.addEventListener("click", micBtnClick);
      }
      function micBtnClick() {
          if (recognition) {
              const micBtn = (searchForm && searchForm.querySelector("#voice-btn")) ? searchForm.querySelector("#voice-btn") : document.getElementById("voice-btn2");
              if (micBtn) {
                  const micIcon = micBtn.firstElementChild;
                  if (micIcon && micIcon.classList.contains("microphone-icon")) {
                      if (searchFormInput) {
                          searchFormInput.value = "";
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                      recognition.start();
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                      recognition.stop();
                  }
              }
          }
      }
  
      function closeOverlay() {
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              micOverlayText.innerHTML = 'Listening...';
          }
          if(recognition){
              recognition.stop();
          }
          if(micOverlay){
              micOverlay.style.display = 'none';
          }
      }
      function resultOfSpeechRecognition(event) {
          const current = event.resultIndex;
          const transcript = event.results[current][0].transcript;
          if(transcript){
              if (searchFormInput && !searchFormInput.value) {
                  searchFormInput.value = transcript;
                  if(micOverlayText){
                      micOverlayText.innerHTML = transcript;
                  }
                  setTimeout(function () {
                      if(searchForm){
                          searchForm.submit();
                      }
                  }, 2000);
              } else {
                  if(searchFormInput){
                      searchFormInput.value = transcript;
                  }
                  if(micOverlayText){
                      micOverlayText.innerHTML = transcript;
                  }
                  setTimeout(function () {
                      if(searchForm){
                          searchForm.submit();
                      }else{
                          var nv_ListSearchIconInput = document.getElementById("searchPagePopupText");
                          var nv_PopupFormModel = document.querySelector("div.searchPopupWrap");
                          var nv_PopupFormOverlay = document.querySelector(".searchPopup");
                          var nv_MailPopupFormElm = document.querySelector("div.searchPopup form");
                          if(nv_PopupFormModel && nv_PopupFormOverlay){
                              nv_PopupFormModel.classList.add("animateContent");
                              nv_PopupFormOverlay.classList.add("showPopup");
                              if(nv_ListSearchIconInput && !nv_ListSearchIconInput.value){
                                  nv_ListSearchIconInput.value = transcript;
                              }
                              if(nv_MailPopupFormElm){
                                  nv_MailPopupFormElm.submit();
                              }
                          }
                      }
                  }, 2000);
              }
          }
      }
      
      function startSpeechRecognition() {
          if(searchFormInput){
              searchFormInput.setAttribute('placeholder', 'Listening...');
              searchFormInput.focus();
          }
          if(micOverlay){
              micOverlay.style.display = 'flex';
          }
          if(micOverlayText){
              micOverlayText.innerHTML = 'Listening...';
          }
      }
      
      function endSpeechRecognition() {
          if(searchFormInput){
              searchFormInput.setAttribute('placeholder', 'search');
              searchFormInput.focus();
          }
          if(micOverlay){
              micOverlay.style.display = 'none';
          }
          if(micOverlayText){
              micOverlayText.innerHTML = '';
          }
      }
      
      setTimeout(function () {
          if(micOverlay){
              micOverlay.addEventListener('click', closeOverlay);
          }
      }, 3000);
  
      recognition.addEventListener("start", startSpeechRecognition);
      recognition.addEventListener("end", endSpeechRecognition);
      recognition.addEventListener("result", resultOfSpeechRecognition);
  
  } else {
      console.log("Your Browser does not support speech Recognition");
  }
  }})()</script><script type="text/javascript" class="notify-visitors-element">(function (){window.nv_getParameterByName = function (name, url) {
    if (!url) url = window.location.href;
    name = name.replace(/[\[\]]/g, '\\$&');
    var regex = new RegExp('[?&]' + name + '(=([^&#]*)|&|#|$)'),
        results = regex.exec(url);
    if (!results) return null;
    if (!results[2]) return '';
    return decodeURIComponent(results[2].replace(/\+/g, ' '));

}

setTimeout(function () {
    var nv_source = nv_getParameterByName('source', window.location.href);
    var nv_prod = nv_getParameterByName('prod', window.location.href);
    if (nv_source && nv_source.length && nv_prod && nv_prod.length) {
        var nv_obj = {
            "source": nv_source,
            "prod": nv_prod
        }
        if (window.nv && window.nv.constructor == Function) {
            window.nv("event", "Prod_Source_details", nv_obj, 10, 1); // on every visit
        }
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}, 2000)})()</script></head>
    <body class="homepagewith3rdparty page basicpage" id="homepagewith3rdparty-ae9a529a2b">
        
        
        
            




            



            
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<div class="widthCenter"><main>
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    <div class="new-hdfc-life-insurance-header aem-GridColumn aem-GridColumn--default--12"><!-- <sly data-sly-use.mobileViewHelper="com.hdfclifeinsurancecompany.core.models.UTMSourceHelper">
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     <div>
        <input type="hidden" id="form-toolTip-FullName" value="Enter your name as per Government ID proof such as Aadhaar card, PAN card etc.">
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                    <div class="langSwitch">
                        <input type="checkbox" name="switchLanguageMob" id="switchLanguageMob">
                        <label for="switchLanguageMob" class="langEng">EN</label>
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                                                                                                                        <a class="gtm-menuLinkInner lemniskTrackingEventName" data-eventname="productClickedC2PS" data-ma-attribute="true" href="https://www.hdfclife.com/term-insurance-plans/click-2-protect-super" target="_blank" aria-label="HDFC Life Click 2 Protect Super">HDFC Life Click 2 Protect Super
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                                                                                                                        <span>7% discount</span>
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                                                                                                                        <a class="gtm-menuLinkInner lemniskTrackingEventName" data-ma-attribute="true" href="https://www.hdfclife.com/term-insurance-plans/click-2-protect-elite" aria-label="HDFC Life Click 2 Protect Elite">HDFC Life Click 2 Protect Elite
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                                                                                                    <h3>
                                                                                                        <a class="lemniskTrackingEventName" data-ma-attribute="true" href="https://www.hdfclife.com/insurance-by-need" role="link" aria-label="Insurance Coverage Options">Insurance Coverage Options</a>
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                                                                                                                        <a class="gtm-menuLinkInner lemniskTrackingEventName" data-ma-attribute="true" href="https://www.hdfclife.com/term-insurance-plans/1-crore-term-insurance" aria-label="1 Crore Term Insurance">1 Crore Term Insurance
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                                                                                                    <a data-ma-attribute="true" class="moreMenuLink gtm-moreMenuLink" href="https://www.hdfclife.com/insurance-by-need">
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                                                                                                    <h3>
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                                                                                                    <h3>
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                                                                                                                        <a class="gtm-menuLinkInner lemniskTrackingEventName" data-ma-attribute="true" href="https://www.hdfclife.com/term-insurance-plans/30-year-term-insurance-plan" aria-label="30 Years Term Insurance">30 Years Term Insurance
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                                                                                                        Explore Plan
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                                                                                                    <h3>
                                                                                                        <a class="lemniskTrackingEventName" data-ma-attribute="true" href="https://www.hdfclife.com/insurance-by-need" role="link" aria-label="Coverage for all Ages">Coverage for all Ages</a>
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                                                            <h3><span
                                                                    class="highlight">HDFC Life </span>Click 2 Protect Super
                                                            </h3>
                                                            <h4><p>UIN: 101N145V05</p>
<p>Provides comprehensive financial protection to your family</p>
</h4>
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                                                                <p>*Under Renewability Option at Maturity, the policyholder can choose to extend the term of their policy.<br />
3.Discount is applicable for first year premium only of HDFC Life Click 2 Protect Super. 7% discount consists of 5% online discount, 2% existing customer discount.</p>

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                                                                                <p><span class="blink">7 % Online Discount<sup class="font-10">3</sup> on Term Plan</span></p>

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                                                                                    <span class="text-red">HDFC Life </span><br>Click 2 Protect Super
                                                                                </span>
                                                                                <p>UIN:&nbsp;101N145V05</p>
<p>Provides comprehensive financial protection to your family</p>

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                                                                                    <p>*Under Renewability Option at Maturity, the policyholder can choose to extend the term of their policy.<br>
3.Discount is applicable for first year premium only of HDFC Life Click 2 Protect Super. 7% discount consists of 5% online discount, 2% existing customer discount.</p>

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                                                            <h3><span
                                                                    class="highlight">HDFC Life </span>Click 2 Protect Super
                                                            </h3>
                                                            <h4><p>UIN: 101N145V05</p>
<p>Provides comprehensive financial protection to your family</p>
</h4>
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                                                                <p>*Under Renewability Option at Maturity, the policyholder can choose to extend the term of their policy.<br />
3.Discount is applicable for first year premium only of HDFC Life Click 2 Protect Super. 7% discount consists of 5% online discount, 2% existing customer discount.</p>

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                                                                                <p><span class="blink">7 % Online Discount<sup class="font-10">3</sup> on Term Plan</span></p>

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                                                                                <span class="prod-name">
                                                                                    <span class="text-red">HDFC Life </span><br>Click 2 Protect Super
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                                                                                <p>UIN:&nbsp;101N145V05</p>
<p>Provides comprehensive financial protection to your family</p>

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                                                                                    <p>*Under Renewability Option at Maturity, the policyholder can choose to extend the term of their policy.<br>
3.Discount is applicable for first year premium only of HDFC Life Click 2 Protect Super. 7% discount consists of 5% online discount, 2% existing customer discount.</p>

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                            <input placeholder="Enter your mobile number" class="appLink mobileNumber app-link" data-validation="mobileNo" maxlength="10" onkeypress="return event.charCode >= 48 &amp;&amp; event.charCode <= 57" name="mobileNumber" type="text">
                            <label class="custom-check-box">I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email &amp; Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard.
                                <input type="checkbox" class="getAppLinkCheckHeader" checked="" name="ndfc_flag">
                                <span class="checkmark"></span>
                            </label>
                            <span class="error-txt"></span>
                            <span class="checkAppLinkHeaderError"></span>
                            <span class="message-success message-success-applink-header-mob" style="display: none;"></span>
                        </div>
                        <div class="formBtn">
                            <p style="font-size:14px;font-weight: 300;color: #233253;">Buy plans, track your policy, make renewal payments &amp; monitor fund performance with HDFC Life App, Download Now!</p>
                            
                            <button type="submit" id="downloadLinkHeader appLinkHeaderBtn-header-data-layer" class="appLinkHeaderBtn" style="display: none;">GET APP LINK</button>
                                
                                    
                                        
                                    
                                        
                                    
                                        
                                    
                                        
                                    
                                        
                                    
                                        
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<div class="schedule-a-call aem-GridColumn aem-GridColumn--default--12">
   
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                     <div class="geta-callback-inner">
                        <h2>Get a Call Back</h2>
                        <div class="timetext">
                           
                           
                              <p><b>This service is available between <span>9 AM - 9 PM IST</span></b></p>

                           
                        </div>
                        <div class="subtext">
                           <p>Interested in buying insurance plans, then fill the form&nbsp;below to help us call you back. This form is only for exploring insurance plans provided by HDFC Life, for Customer Service queries, please click - <a href="https://www.hdfclife.com/customer-service">Customer Service&nbsp;Queries</a></p>

                        </div>
                        <form autocomplete="off" class="schedule-a-call-back" data-page-name="Home Page">
                           <div class="row">
                              <div class="col-lg-4 col-sm-12">
                                 <div class="inputGroup form-group"><label>Name</label><input type="text" class="first-name" placeholder="Name" name="first_name" data-validation="fullname">
                                    <input type="hidden" name="categoriesCompo">
                                    <input type="hidden" name="pageslugCompo">
                                    <span class="error-txt"></span>
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                              <div class="col-lg-4 col-sm-12">
                                 <div class="inputGroup form-group"><label>Contact Number</label>
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                              </div>
                              <div class="col-lg-4 col-sm-12">
                                 <div class="inputGroup form-group">
                                    <label>Select your insurance plan</label>
                                    <div class="select-holder ">
                                       <select id="insurance_category" aria-label="Insurance Category">
                                          <option value="" disabled="" selected="">Select Plan Type</option>
                                          <option value="health_plan">Health Plans</option>
                                          <option value="investment_plan">Investment Plans</option>
                                          <option value="protection_plan">Protection Plans</option>
                                          <option value="children_plan">Children's Plans</option>
                                          <option value="savings_plan">Savings Plans</option>
                                          <option value="retirement_plan">Retirement Plans</option>
                                       </select>
                                    </div>
                                    <span class="scb-plan-error error-txt"></span>
                                 </div>
                              </div>
                              <div class="col-lg-4 col-sm-12 allDates d-none">
                                 <div class="inputGroup form-group"><label>Select your available Date
                                       <!--  -->
                                    </label>
                                    <input type="text" class="form-control date hasDatepicker" id="callScheduleDateValue" name="scheduleDate" placeholder="DD/MM/YYYY" readonly="" maxlength="10">
                                    <span class="error-txt d-none"></span>
                                 </div>
                              </div>
                              <div class="col-lg-4 col-sm-12 slotsData  d-none">
                                 <div class="inputGroup form-group"><label>Select your available Time
                                       <!--  -->
                                    </label>
                                    <!-- <p></p> -->
                                    <div class="select-holder ">
                                       <select class="availableTime" id="availableTime" aria-label="Available Time">
                                          <option selected="" disabled="">Select Available Slots</option>
                                       </select>
                                    </div>
                                    <span class="error-txt"></span>
                                 </div>
                              </div>
                           </div>
                           <div class="row">
                              <div class="col-sm-12 disc-text"><input type="checkbox" class="scb-checkbox" name="ndnc_flag" style="float:left;" checked=""><span class="chkbx">
                                    
                                       <p>I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email &amp; Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard.</p>
                                    
                                    
                                       
                                 </span>
                                 <span class="scb-checkbox-error error-txt" style="line-height:15px; padding:0 0 10px 20px;"></span>
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                           </div>
                           <div class="text-center contcaptcha">
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                           <span class="msg-error error error-txt"></span>
                           <div class="row">
                              <div class="col-sm-12 buttons text-center">
                                 <button type="button" class="btn btn-primary btnred scheduleCallTodayBtn" id="scheduleCallTodayBtn">Instant Call Back</button>
                                 <button type="button" class="btn btn-primary btnred scheduleCallBtn d-none" id="scheduleCallBtn">SUBMIT</button>
                                 <button type="button" class="btn btn-primary btnred scheduleChange" id="scheduleChange">Schedule Call in Next 5 Days</button>
                              </div>
                           </div>
                           <div class="row successMsg d-none">
                              <div class="col-lg-3 thumb">
                                 <div class="thumbIcon">
                                    <img data-src="/content/dam/hdfclifeinsurancecompany/images/home-images/like.png" alt="Thumb">
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                              </div>
                              <div class="col-lg-10 scheduleCallMsg">
                              </div>
                           </div>
                           <small>
                              <p>Disclaimer : By submitting your contact details, you agree to HDFC Life's Privacy Policy and authorize HDFC Life and/or its authorized Service Providers to verify the above information and/or contact you to assist you with the purchase. This will override any NDNC registration made by you.</p>

                           </small>
                        </form>

                     </div>
                  </div>
                  <div class="message-success" style="display: none;">
                     <p class="text-center">Thanks for contacting us.<br>
                        We will get in touch soon.</p>
                  </div>
               </div>
            </div>
         </div>
         <div class="d-none scheduleMsg">
            <div class="message"><p>Your call is scheduled for <span class="scheduledDate"><b></b></span>, between <span class="scheduledTime"><b></b></span>. You will receive a call from <span><b>8291890XXXX</b></span>. Kindly attend the call. We respect your privacy. We do not spam.</p>
</div>

         </div>
         <div class="d-none rescheduleMsg">
            <div class="message"><p>Your call is rescheduled for <span class="scheduledDate"><b></b></span>, between <span class="scheduledTime"><b></b></span>. You will receive a call from <span><b>8291890XXXX</b></span>. Kindly attend the call. We respect your privacy. We do not spam.</p>
</div>

         </div>
         <div class="d-none alreadyScheduleMsg">
            <div class="message"><p>Your call is already scheduled for <span class="scheduledDate"><b></b></span>, between <span class="scheduledTime"><b></b></span>. Incase you want to reschedule the call; you can do it using the form above.</p>
</div>

         </div>
         <div class="d-none maxAttemptMsg">
            <div class="message"><p>We're sorry, but you have reached the maximum number of rescheduling attempts allowed.</p>
</div>

         </div>
               </div>
     
           
   
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<div class="aem-Grid aem-Grid--12 aem-Grid--default--12 ">
    
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                                <a href="https://onlineinsurance.hdfclife.com/buy-online-savings-plans/click-2-achieve/basic-details?source=NW_HP_Banner_NJLIF_C2A&amp;agentcode=00399206&amp;language=en" role="option" aria-label="NJLIF Click2Achieve" target="_blank">
                                    
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                                <a href="https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchayplus-savings-plan/basic-details?source=NW_HP_Banner_SPTaxBenefits&amp;agentcode=00399206&amp;language=sanchp_EN" role="option" aria-label="HDFC Life Sanchay Plus" target="_blank">
                                    
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            <!-- <div class="bg-Chat mob-hide">
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                                                <h5 class="h5"><div style="line-height: 16.0px;">Return of Premium<sup>^~</sup></div>
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            <option j-link="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=NW_C2PS_IWantto&amp;agentcode=00399206&amp;language=en" value="Termplan">Buy a term plan</option>
          
            <option j-link="https://onlineinsurance.hdfclife.com/ocp?fname=Test&amp;lname=T&amp;dob=01/01/1990&amp;[email protected]&amp;gender=M&amp;mobnopre=91&amp;mobno=9876543210&amp;state=Karnataka&amp;city=Bangalore&amp;prodcd=C2ACHE&amp;checkboxdisclaimer=1&amp;source=NW_C2A_Iwantto&amp;agentcode=00399206&amp;proposerBuyingForItself=N&amp;pfname=Abc&amp;plname=B&amp;[email protected]&amp;pgender=F&amp;pmobnopre=91&amp;pmobno=9876543210&amp;pdob=01/01/1995&amp;pstate=MAHARASHTRA&amp;pcity=MUMBAI" value="Child's Future" data-product-code="C2ACHE" data-modalid="otpJourneyModal">Secure my Child's Future</option>
          
            <option j-link="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/sampoorn-nivesh-plan/basic-details?source=NW_SNV_BuyProtInv_Iwantto&amp;agentcode=00399206&amp;language=en" value="Investment">Buy a Protection+Investment Plan</option>
          
            <option j-link="https://www.hdfclife.com/savings-plans/sanchay-par-advantage?source=NW_SAP_IWantto_WlandIncome&amp;agentcode=00399206&amp;language=en" value="tax">Buy a Whole Life Cover+ Lifelong Income Plan</option>
          
            <option j-link="https://onlineinsurance.hdfclife.com/HLifeWeb-OPS/integrate.do?_actionid=ops.ocp.partnerintegration&amp;prodcd=SANCHPE&amp;pfname=Dfname&amp;plname=Dlname&amp;pdob=01/01/1975&amp;pmobno=9876543210&amp;pmobnopre=91&amp;pgender=M&amp;[email protected]&amp;checkboxdisclaimer=1&amp;proposerBuyingForItself=Yes&amp;pnri=0&amp;source=NW_SANCHAYP_IWantto_GetGuaranteedReturn&amp;agentcode=00399206&amp;language=en&amp;sanchay_revamp=Y" value="Gauranteed" data-product-code="SANCHPE" data-modalid="otpJourneyModal">Get guaranteed returns</option>
          
            <option j-link="https://onlineinsurance.hdfclife.com/ocp?fname=Test&amp;lname=T&amp;dob=01/01/1995&amp;[email protected]&amp;gender=M&amp;mobnopre=91&amp;mobno=9876543210&amp;state=Karnataka&amp;city=Bangalore&amp;prodcd=ESPP&amp;checkboxdisclaimer=1&amp;source=NW_SPPL_IWantto_Homepage&amp;agentcode=00399206" value="retirement" data-product-code="ESPP" data-modalid="otpJourneyModal">Plan for my retirement</option>
          
            <option j-link="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/sampoorn-nivesh-plan/basic-details?source=NW_SNV_IWantto&amp;agentcode=00399206&amp;language=en" value="Ulip">Invest in ULIP</option>
          
        
      
    </select>
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               <h2>Our Recommended Insurance Solutions</h2>
               <!-- <p class="text-center">&lt;p class=&#34;text-center&#34;&gt;The effective way to secure your family’s future&lt;/p&gt;
</p> -->
               <p class="text-center">The effective way to secure your family’s future</p>

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                         <li class="custMarginLeft col-lg-4 col-12 ">
                            <div class="goal-sec-holder offertext">
                               
                               <div class="dotted-bdr ">
                                  <h3 class="productText">
                                     <span class="highlightText"> HDFC Life </span>
                                     Click 2 Protect Super
                                     <span class="newtag">Trending</span>
                                  </h3>
                                  <div class="d-desktop"><p>UIN:&nbsp;101N145V05</p>
<p>Looking for <b>complete protection</b> under one plan at <b>affordable cost</b> along with <b>tax benefits<sup>1<br>
 </sup></b></p>
</div>
                                  <div class="d-mobile"><p>UIN:&nbsp;101N145V05</p>
<p>Looking for&nbsp;<b>complete protection</b>&nbsp;under one plan at&nbsp;<b>affordable cost</b>&nbsp;along with&nbsp;<b>tax benefits<sup>1</sup></b></p>
</div>
                               </div>
          
                               <span class="keyFeatureTagNew">Key Features*</span>
                               <div class="d-desktop">
                                  <ul class="common-shieldlist">
<li>Get back your premiums at zero cost via Smart Exit Benefit Option<sup>1</sup></li>
<li>Buy Online and get <b><span class="textcolorred">7% discount<sup>3</sup></span></b></li>
<li>Death Benefit paid in advance on diagnosis of Terminal illness</li>
</ul>

                               </div>
                               <div class="d-mobile">
                                  <ul class="common-shieldlist">
<li>Get back your premiums at zero cost via Smart Exit Benefit Option<sup>1</sup></li>
<li>Buy online and get <span class="textcolorred"><b>7% discount</b><sup><b>3</b></sup></span></li>
<li>Death Benefit paid in advance on diagnosis of terminal illness<br>
</li>
</ul>

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                               <div class="text-left btn-wrap">
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                                    <a role="button" href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=NW_HP_ProductCard_C2PS&amp;agentcode=00399206&amp;language=en" class="redbutton d-lg-inline d-none" target="_blank">
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                                       Explore Plan
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                               <div class="offertext">Term Plan</div>
      
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                         <li class="custMarginLeft col-lg-4 col-12 ">
                            <div class="goal-sec-holder offertext">
                               
                               <div class="dotted-bdr ">
                                  <h3 class="productText">
                                     <span class="highlightText"> HDFC Life </span>
                                     Sanchay Plus
                                     <span class="newtag">TRENDING</span>
                                  </h3>
                                  <div class="d-desktop"><p>UIN: 101N134V24</p>
<p>Looking for safe financial instrument which provides <b>alternate source of income</b></p>
<p>&nbsp;</p>
</div>
                                  <div class="d-mobile"><p>UIN: 101N134V24</p>
<p>Looking for safe financial instrument which provides <b>alternate source of income</b></p>
<p>&nbsp;</p>
</div>
                               </div>
          
                               <span class="keyFeatureTagNew">Key Features*</span>
                               <div class="d-desktop">
                                  <ul class="common-shieldlist">
<li>Guaranteed<sup>1</sup> Income<sup>4</sup>&nbsp;for period of 25 or 30 years</li>
<li>Get Back Premiums as&nbsp;Guaranteed<sup>1</sup> Lumpsum Benefit<sup>4</sup>&nbsp;on maturity</li>
<li>Life Cover to protect your family</li>
</ul>

                               </div>
                               <div class="d-mobile">
                                  <ul class="common-shieldlist">
<li>Guaranteed<sup>1</sup> Income<sup>4</sup>&nbsp;for period of 25 or 30 years</li>
<li>Get Back Premiums as&nbsp;Guaranteed<sup>1</sup> Lumpsum Benefit<sup>4</sup>&nbsp;on maturity</li>
<li>Life Cover to protect your family</li>
</ul>

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                                    <!-- normal button -->
                                    
         
                                    
                                    
                                    <!-- modal -->
                                    <a role="button" data-toggle="modal" data-target="#otpJourneyModal" data-otp-journey-url="https://onlineinsurance.hdfclife.com/HLifeWeb-OPS/integrate.do?_actionid=ops.ocp.partnerintegration&amp;prodcd=SANCHPE&amp;pfname=Dfname&amp;plname=Dlname&amp;pdob=01/01/1975&amp;pmobno=9876543210&amp;pmobnopre=91&amp;pgender=M&amp;[email protected]&amp;checkboxdisclaimer=1&amp;proposerBuyingForItself=Yes&amp;pnri=0&amp;source=NW_SANCHAYP_HP_PRODUCTCARDS_CALC&amp;agentcode=00399206&amp;language=en&amp;sanchay_revamp=Y" data-product-code="SANCHPE" class="redbutton d-lg-inline d-none" target="_blank">
                                       CALCULATE PREMIUM
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                                    <a role="button" data-toggle="modal" data-target="#otpJourneyModal" data-otp-journey-url="https://onlineinsurance.hdfclife.com/HLifeWeb-OPS/integrate.do?_actionid=ops.ocp.partnerintegration&amp;prodcd=SANCHPE&amp;pfname=Dfname&amp;plname=Dlname&amp;pdob=01/01/1975&amp;pmobno=9876543210&amp;pmobnopre=91&amp;pgender=M&amp;[email protected]&amp;checkboxdisclaimer=1&amp;proposerBuyingForItself=Yes&amp;pnri=0&amp;source=NW_SANCHAYP_HP_PRODUCTCARDS_CALC&amp;agentcode=00399206&amp;language=en&amp;sanchay_revamp=Y" data-product-code="SANCHPE" class="redbutton redbutton-sm-mod d-md-none d-sm-block" target="_blank">
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                                    <a role="button" href="https://www.hdfclife.com/savings-plans/sanchay-plus" class="outlinebutton" target="_blank">
                                       Explore Plan
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                               <div class="offertext">Savings Plan</div>
      
                            </div>
          
                         </li>
                      
                         <li class="custMarginLeft col-lg-4 col-12 ">
                            <div class="goal-sec-holder offertext">
                               <p class="p-mod">In Ulip Plan, the investment risks in the investment portfolio is borne by the policyholder</p>

                               <div class="dotted-bdr ">
                                  <h3 class="productText">
                                     <span class="highlightText">HDFC Life</span>
                                     Sampoorn Nivesh
                                     
                                  </h3>
                                  <div class="d-desktop"><p>UIN: 101L103V03</p>
<p><br>
An insurance cum investment plan with loyalty additions and multiple fund options to help you optimize your investment</p>
</div>
                                  <div class="d-mobile"><p>UIN: 101L103V03</p>
<p><br>
An insurance cum investment plan with loyalty additions and multiple fund options to help you optimize your investment</p>
</div>
                               </div>
          
                               <span class="keyFeatureTagNew">Key Features*</span>
                               <div class="d-desktop">
                                  <ul class="common-shieldlist">
<li><b>Choose from 12 Funds</b>&nbsp;to optimize your investment returns</li>
<li>Customize your premium payment options – Single, Limited or Regular</li>
<li>Choose from&nbsp;<b>3 convenient Benefit options</b>&nbsp;to customize your payouts</li>
</ul>

                               </div>
                               <div class="d-mobile">
                                  <ul class="common-shieldlist">
<li><b>Choose from 12 Funds</b>&nbsp;to optimize your investment returns</li>
<li>Customize your premium payment options – Single, Limited or Regular</li>
<li>Choose from&nbsp;<b>3 convenient Benefit options</b>&nbsp;to customize your payouts</li>
</ul>

                               </div>
          
                               <div class="text-left btn-wrap">
                                    <!-- normal button -->
                                    <a role="button" href="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/sampoorn-nivesh-plan/basic-details?source=NW_HP_ProductCard_SamNiv_CalPre&amp;agentcode=00399206&amp;language=en" class="redbutton d-lg-inline d-none" target="_blank">
                                       CALCULATE PREMIUM
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                                    <a role="button" href="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/sampoorn-nivesh-plan/basic-details?source=NW_HP_ProductCard_SamNiv_CalPre&amp;agentcode=00399206&amp;language=en" class="redbutton redbutton-sm-mod d-md-none d-sm-block" target="_blank">
                                       CALCULATE PREMIUM
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                                    <a role="button" href="https://www.hdfclife.com/ulip-plans/sampoorn-nivesh-ulip-policy?source=NW_HP_ProductCard_SamNiv_ExpPlan&amp;agentcode=00399206&amp;language=en" class="outlinebutton" target="_blank">
                                       Explore Plan
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                               <div class="offertext">ULIP Plan</div>
      
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<!-- model start -->

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            <h3> Personal Details </h3>
            <form action="#" id="hlvForm">
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                    <div class="col-sm-4">
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                            <label for="firstName">*Enter first name</label>
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                                        <input type="hidden" value="https://onlineinsurance.hdfclife.com/ocp?source=NW_C2PL_LetsCalc_HP&amp;agentcode=00399206&amp;language=en" id="ocpLink">

                                    
                                
                            
                                
                            
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                            <!-- <label for="lastName"></label>
                      <input type="text" class="form-control" placeholder="Last Name" id="lastName" name="lastName"> -->
                            <label for="phoneNumber">*Enter mobile number</label>
                            <div class="code">
                                <input type="text" class="form-control" name="phoneNumber" id="phoneNumber" onkeypress="return event.charCode >= 48 &amp;&amp; event.charCode <= 57" data-validation="mobileNo" maxlength="10" autocomplete="off">
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                        <label> *Current Age </label>
                        <input type="number" maxlength="2" inputmode="numeric" class="years" onkeydown="return event.keyCode !== 69 &amp;&amp; event.keyCode !== 187 &amp;&amp; event.keyCode !== 189 &amp;&amp; event.keyCode !== 107 &amp;&amp; event.keyCode !== 109" min="0" id="current-age" oninput="javascript: if (this.value.length > this.maxLength) this.value = this.value.slice(0, this.maxLength);" data-validation="currentAge" required="" name="age">
                        <span class="side-text">Years</span>
                        <span class="error-txt"></span>
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                    <div class="col-md col-sm-6 col-xs-12 form-group">
                        <label> *Desired Retirement Age </label>
                        <input type="number" maxlength="2" name="retirement-age" class="years" min="0" onkeydown="return event.keyCode !== 69 &amp;&amp; event.keyCode !== 187 &amp;&amp; event.keyCode !== 189 &amp;&amp; event.keyCode !== 107 &amp;&amp; event.keyCode !== 109" id="retire-age" data-validation="retireAge" oninput="javascript: if (this.value.length > this.maxLength) this.value = this.value.slice(0, this.maxLength);" inputmode="numeric" required="">
                        <span class="side-text">Years</span>
                        <span class="error-txt"></span>
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                    <div class="col-md col-sm-6 col-xs-12 form-group">
                        <label> Educational Qualifications </label>

                        <div class="select-holder1">
                            <select aria-label="Default select example" id="qualification">
                                <option selected="" value="graduate"> Graduate and above </option>
                                <option value="nonGraduate">Non Graduate</option>
                            </select>
                        </div>

                    </div>
                </div>
                <!-- </form> -->
                <h3 class="pad-top-fd"> Financial details </h3>
                <!-- <form name="hlv"> -->
                <div class="row">
                    <div class="col-md col-sm-6 col-xs-12 form-group slider-parent">
                        <label> *Annual income </label>
                        <span class="rupee">₹</span>
                        <input class="range-slider-input" data-comma-separation="true" data-validation="notEmpty" id="annual-income" type="text" name="annual-income" inputmode="numeric" pattern="\d[0-9]*" maxlength="12" required="" oninput="javascript: this.value = this.value.replace(/[^0-9]/g, '')">
                        <span class="error-txt"></span>
                        <!-- <div id="range-slider-wrapper">
                        <span class="live-range-val"> </span>
                        <input type="range" class="range-slider annual-slider" min="0" max="10000000"
                            autocomplete="off" value="0">
                        <span class="range-limit min"> <span class="arial">&#x20B9;</span> 0 </span>
                        <span class="range-limit max"> <span class="arial">&#x20B9;</span> 1Cr </span>
                    </div> -->
                    </div>
                    <div class="col-md col-sm-6 col-xs-12 form-group slider-parent">
                        <label> *Monthly Expenses </label>
                        <span class="rupee">₹</span>
                        <input class="range-slider-input" id="monthly-expenses" data-comma-separation="true" data-validation="notEmpty" type="text" name="monthly-expenses" inputmode="numeric" pattern="\d[0-9]*" maxlength="12" required="" oninput="javascript: this.value = this.value.replace(/[^0-9]/g, '')">
                        <span class="error-txt"></span>
                        <!-- <div id="range-slider-wrapper">
                        <span class="live-range-val"> </span>
                        <input type="range" class="range-slider monthly-slider" min="0" max="10000000"
                            autocomplete="off" value="0">
                        <span class="range-limit min"> <span class="arial">&#x20B9;</span> 0 </span>
                        <span class="range-limit max"> <span class="arial">&#x20B9;</span> 1Cr </span>
                    </div> -->
                    </div>
                    <div class="col-md col-sm-6 col-xs-12 form-group slider-parent">
                        <label> Existing Insurance Cover </label>
                        <span class="rupee">₹</span>
                        <input class="range-slider-input" id="insurance-cover" data-comma-separation="true" type="text" name="existing-insurance-cover" oninput="javascript: this.value = this.value.replace(/[^0-9]/g, '')">
                        <!-- <div id="range-slider-wrapper">
                        <span class="live-range-val"> </span>
                        <input type="range" class="range-slider insurance-slider" pattern="\d[0-9]*" min="0" max="10000000"
                            autocomplete="off" value="0">
                        <span class="range-limit min"> <span class="arial">&#x20B9;</span> 0 </span>
                        <span class="range-limit max"> <span class="arial">&#x20B9;</span> 1Cr </span>
                    </div> -->
                    </div>
                </div>
                <!-- </form> -->
                <!-- <form action="" name="hlv"> -->
                <div class="row">
                    <div class="form-group col-sm-12">
                        <label> Liabilities </label>
                        <div class="select-holder1 liabilities-sec">
                            <select class="form-select" id="liabilities">
                                <option selected="" value="0">No Liabilities</option>
                                <option value="1000000">Upto 10 Lacs</option>
                                <option value="2000000">Upto 20 Lacs</option>
                                <option value="3000000">Upto 30 Lacs</option>
                                <option value="4000000">Upto 40 Lacs</option>
                                <option value="5000000">Upto 50 Lacs</option>
                            </select>
                        </div>
                        <span class="error-txt"></span>
                    </div>
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                <div class="row">
                    <div class="col-sm-12">
                        <div class="checkbox-wrapper chk-break cmpcheck"> <input type="checkbox" id="agree-checkbox" name="ndnc_flag" checked="" class="chkdes">
                            <label for="agree-checkbox"></label><span class="checktxt fontsize12"><p>I hereby consent to receive policy related / documents / application related communication from HDFC Life or its authorized representatives via Call, SMS, Email &amp; Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard.</p>
</span>
                            <span class="agree-checkbox-error-txt error-txt" style="line-height:15px; padding-left:9px;padding-top:10px;"></span>
                        </div>
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                <button type="button" class="btn btn-primary btnred calc-btn getCalculated dataLayerHlv" id="calculateHlv">CALCULATE</button>
            </form>
            <div class="calculate-bottom-section">
                <p class="lifecovertext">Your Required life cover to protect your family’s future is</p>
                <h2> <span style="font-family:arial !important">₹</span> 0 </h2>
                <span class="numtoword"></span>
                <div class="recomendPlans">
                    <h3>Recommended plans for you</h3>
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                                    <a class="ocpJourneyLink" data-attribution="true" href="https://onlineinsurance.hdfclife.com/ocp?source=NW_C2PL_LetsCalc_HP&amp;agentcode=00399206&amp;language=en"><span class="highlight">HDFC Life
                                        </span>Click 2 Protect Life</a>

                                
                            
                        
                            
                        
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                    <a class="siteButton btnred" href="https://www.hdfclife.com/term-insurance-plans/click-2-protect-life?source=NW_C2PL_LetsCalc_LearMore_HP&amp;agentcode=00399206&amp;language=en">EXPLORE PLAN</a>
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                            <small class="calcQuoate">The values shown here are only for illustration.</small>
                        
                            <small class="calcQuoate">The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.</small>
                        
                    
                
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                        <h3 class="homeheader2"></h3><h3 class="homeheader2">How Much Life Insurance?</h3>

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    <div class="main_box_all_plan_cards" style="background: #F2FAFF;    height: 530px;">
            <h1 class="tvc_all_plan_cards_heading" style="text-align: center;padding: 32px 0px 20px 0px;font-size: 32px;font-weight: bold;font-family: poppins;color: #233253;">I want to know more about...</h1>
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                        <span class="tvc_all_card_name">1 Cr. Term</span>
                        <h3 class="tvc_all_card_price">Insurance Cover</h3>
                        <p class="tvc_all_card_tenure">Premium starting at</p>
                        <p class="tvc_all_card_tenure1">Just ₹21/day<sup style="font-size: 10px;">1</sup></p>
                        <a href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=AD_TGT_TVK_HP_Iwanto_C2PS&amp;agentcode=895496" class="tvc_all_card_arrow at-element-click-tracking" id="tvc_all_card_arrow1">Calculate Now &gt;</a>
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                        <span class="tvc_all_card_name">Customizable</span>
                        <h3 class="tvc_all_card_price">Dream Plan</h3>
                        <p class="tvc_all_card_tenure">Premium starting at</p>
                        <p class="tvc_all_card_tenure1">Just ₹84/day<sup style="font-size: 10px;">2</sup></p>
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                        <h3 class="tvc_all_card_price">Amount Now</h3>
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                        <p class="tvc_all_card_tenure">Invest once, enjoy lifetime </p>
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                        <span class="tvc_all_card_name">Start Early to</span>
                        <h3 class="tvc_all_card_price"> Retire Early</h3>
                        <p class="tvc_all_card_tenure">Premium starting at</p>
                        <p class="tvc_most_purchased_plan"><span style="font-weight: 500;margin-left: 3px;">Low entry age of 18</span></p>
                        <p class="tvc_all_card_tenure1"> Just ₹67/day<sup style="font-size: 10px;">3</sup></p>
                        <a href="https://onlineinsurance.hdfclife.com/buy-online-retirement-and-pension-plans/click-2-retire-plan/Calculator?source=AD_TGT_TVK_HP_Iwanto_C2R&amp;agentcode=00399206&amp;language=en" class="tvc_all_card_arrow at-element-click-tracking" id="tvc_all_card_arrow4">Calculate Now &gt;</a>
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                        <h3 class="tvc_all_card_price"> Returns Plans</h3>
                        <p class="tvc_all_card_tenure">Premium starting at</p>
                        <p class="tvc_all_card_tenure1">Just ₹73/day<sup style="font-size: 10px;">4</sup></p>
                        <a href="
https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchaypar-savings-plan/basic-details?source=AD_TGT_TVK_HP_Iwanto_SanPar&amp;agentcode=00399206&amp;language=en" class="tvc_all_card_arrow at-element-click-tracking" id="tvc_all_card_arrow5">Calculate Now &gt;</a>
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                        <h3 class="tvc_all_card_price">Savings Plans</h3>
                        <p class="tvc_all_card_tenure">Premium starting at</p>
                        <p class="tvc_all_card_tenure1">Just ₹84/day<sup style="font-size: 10px;">5</sup></p>
                        <a href="https://onlineinsurance.hdfclife.com/buy-online-savings-plans/sanchayplus-savings-plan/basic-details?ocpseqno=1&amp;source=AD_TGT_TVK_HP_Iwanto_Sanchay&amp;agentcode=00399206&amp;language=sanchp_EN" class="tvc_all_card_arrow at-element-click-tracking" id="tvc_all_card_arrow6">Calculate Now &gt;</a>
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                        <span class="tvc_all_card_name">Unit Linked </span>
                        <h3 class="tvc_all_card_price">Insurance Plans</h3>
                        <p class="tvc_all_card_tenure">Investment starting</p>
                        <p class="tvc_most_purchased_plan"><span style="font-weight: 500;margin-left: 3px;">Build wealth + Life cover</span></p>
                        <p class="tvc_all_card_tenure1">Just ₹34/day<sup style="font-size: 10px;">6</sup></p>
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                                     <option value="Protection Plans">Protection Plans</option>
                                     <option value="Children's Plans">Children's Plans</option>
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                         <div class="col-sm-12 disc-text"><input type="checkbox" class="scb-checkbox" name="ndnc_flag" style="float:left;" checked=""><span class="chkbx"><p>I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email &amp; Voice over Internet Protocol (VoIP) including WhatsApp and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard.</p></span>
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                      <small><p>This service is available between 9 AM - 9 PM IST<br>
Disclaimer : By submitting your contact details, you agree to HDFC Life's Privacy Policy and authorize HDFC Life and/or its authorized Service Providers to verify the above information and/or contact you to assist you with the purchase. This will override any NDNC registration made by you.</p></small>
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                                    <p class="descriptionContainer">All Terms and conditions, policy charges, shown upfront with <span>no hidden costs</span> or details. What you see is what you get.</p>

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                                            <p>Exclusive Online Discounts</p>
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                                    <p class="descriptionContainer">Depending on the product type, purchasing insurance online is economical. Example: You get additional&nbsp;<span>7% online discount </span>&nbsp;on your first premium on our term product:&nbsp;<a href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-super/basic-details?source=AD_TGT_HP_KeyBenefits_C2PS&amp;agentcode=00399206&amp;language=en" target="_blank">HDFC Life Click 2 Protect Super</a></p>

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                                    <p class="descriptionContainer">Explore all products &amp; plan options, choose policy terms, do premium payments, all from the&nbsp;<span>comfort of your home</span>. Also get support from online and 400+ branches across India.</p>

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<div class="testimonialscarousel aem-GridColumn aem-GridColumn--default--12"><section style="background-color: #f2fbff;">
  <div class="headings">
    <h2 class="sec-title seTtl">HDFC Life Insurance - Customer Stories!</h2>

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                                <img class="img-fluid" data-src="/content/dam/hdfclifeinsurancecompany/testimonials/test1.png" alt="Sartajbir Singh" title="Sartajbir Singh">
                              
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                                  <p class="left-testimonial mb-4">"Thanks to HDFC Life, I am now able to pursue my education abroad and fulfill my parents' dreams"</p>

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                              <!-- for desktop start -->
                              <div class="row d-none d-lg-block">
                                <div class="col-md-12 col-xs-6 mb-5">
                                  <p class="test-name">Sartajbir Singh</p>
<p class="test-location">Batala, Punjab</p>

                                </div>
                                <div class="col-md-12 col-xs-6">
                                  <div class="row d-flex align-items-middle">
                                    <div class="col-2 pr-0">
                                      <!-- <img class="slider-left-logo" src="/content/dam/hdfclifeinsurancecompany/testimonials/slider-left-logo.png" alt="caring-with-pride-logo"> -->
                                      
                                      
                                      
                                        <img class="slider-left-logo" data-src="/content/dam/hdfclifeinsurancecompany/testimonials/slider-left-logo.png" alt="Caring with Pride" title="Caring with Pride">
                                      
                                    </div>
                                    <div class="col-10">
                                      <p class="test-caring">Caring<span>with</span></p>
<p class="test-pride">Pride</p>

                                    </div>
                                  </div>
                                </div>
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                              <!-- for desktop end -->
                            </div>
      
                          </div>
      
                          <!-- for mobile start -->
                          <div class="row d-flex align-items-center d-lg-none my-4">
      
                            <div class="col-6">
                              <p class="test-name">Sartajbir Singh</p>
<p class="test-location">Batala, Punjab</p>

                            </div>
      
                            <div class="col-6">
                              <div class="row d-flex align-items-middle">
                                <div class="col pr-0 pad-mob-0">
                                  <!-- <img src="/content/dam/hdfclifeinsurancecompany/dummy/slider-left-logo.png" class="slider-left-logo" alt="caring-with-pride-logo"> -->
                                  
                                  
                                  
                                    <img class="slider-left-logo" data-src="/content/dam/hdfclifeinsurancecompany/testimonials/slider-left-logo.png" alt="Caring with Pride" title="Caring with Pride">
                                  
                                </div>
                                <div class="col">
                                  <p class="test-caring">Caring<span>with</span></p>
<p class="test-pride">Pride</p>

                                </div>
                              </div>
                            </div>
      
                          </div>
                          <!-- for mobile end -->
      
                        </div>
      
                      </div>
                      <!-- Slider left end -->
      
                      <!-- Slider right start -->
                      <div class="col-md-6">
                        <div class="right-bg">
                          <div class="test-right-para py-4">
                            <p class="para-scroll">" I want to express my gratitude to Mr. Nishant Sharma from HDFC Life for his invaluable assistance during my difficult time. As an 18 yr old, managing the death claim of my mother while my father was working abroad, I was distressed. Nishant not only helped me with all the documentation for claim submission but also provided unwavering support throughout. His guidance made a significant difference in navigating the claims procedure. The claim closure time efficiency was an additional source of relief during this challenging period. I must emphasize Nishants exceptional character and dedication. He truly went above and beyond to help me out. Thanks to HDFC Life, I am now able to fulfill my parents' dreams."</p>

                          </div>
                          <img class="test-hands" src="/content/dam/hdfclifeinsurancecompany/testimonials/hands.png" alt="hands">
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                      <!-- Slider right end -->
      
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                    <div class="row">
                      <div class="col-12 text-right">
                        <p>INT/MC/06/23/1951</p>

                      </div>
                    </div>
      
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                  <div class="carousel-item  ">
      
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                                <img class="img-fluid" data-src="/content/dam/hdfclifeinsurancecompany/testimonials/test2.jpg" alt="Anoop Chahar" title="Anoop Chahar">
                              
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                                  <p class="left-testimonial mb-4">"HDFC Life's prompt service amazed me as I received the claim amount within 24 hours"</p>

                                </div>
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                              <!-- for desktop start -->
                              <div class="row d-none d-lg-block">
                                <div class="col-md-12 col-xs-6 mb-5">
                                  <p class="test-name">Anoop Chahar</p>
<p class="test-location">Agra, Uttar Pradesh</p>

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                                      <p class="test-caring">Caring<span>with</span></p>
<p class="test-pride">Pride</p>

                                    </div>
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                          <div class="row d-flex align-items-center d-lg-none my-4">
      
                            <div class="col-6">
                              <p class="test-name">Anoop Chahar</p>
<p class="test-location">Agra, Uttar Pradesh</p>

                            </div>
      
                            <div class="col-6">
                              <div class="row d-flex align-items-middle">
                                <div class="col pr-0 pad-mob-0">
                                  <!-- <img src="/content/dam/hdfclifeinsurancecompany/dummy/slider-left-logo.png" class="slider-left-logo" alt="caring-with-pride-logo"> -->
                                  
                                  
                                  
                                    <img class="slider-left-logo" data-src="/content/dam/hdfclifeinsurancecompany/testimonials/slider-left-logo.png" alt="Caring with Pride" title="Caring with Pride">
                                  
                                </div>
                                <div class="col">
                                  <p class="test-caring">Caring<span>with</span></p>
<p class="test-pride">Pride</p>

                                </div>
                              </div>
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                          <div class="test-right-para py-4">
                            <p class="para-scroll">" I am grateful to Mr. Harish Rawat and HDFC Life for their incredible assistance in processing my father's death claim. HDFC Life's prompt service amazed me as I received the claim amount within 24 hours of applying. Mr. Harish went the extra mile by personally arranging the required hospital discharge summary required for claim submission. I sincerely thank Mr. Harish and HDFC Life for their outstanding dedication and support. Their commitment to their responsibilities and customers is truly commendable, and I am forever grateful for their exceptional service."</p>

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                      <!-- Slider right end -->
      
                    </div>
      
                    <div class="row">
                      <div class="col-12 text-right">
                        <p>INT/MC/06/23/1951</p>

                      </div>
                    </div>
      
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                  <div class="carousel-item  ">
      
                    <div class="row d-flex align-items-center">
      
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                                <img class="img-fluid" data-src="/content/dam/hdfclifeinsurancecompany/testimonials/test3.jpg" alt="Parna Acharya" title="Parna Acharya">
                              
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                              <div class="row">
      
                                <div class="col-12">
                                  <p class="left-testimonial mb-4">"In addition to the quality service, the transparency displayed by HDFC Life has instilled confidence in me as a customer"</p>

                                </div>
                              </div>
      
                              <!-- for desktop start -->
                              <div class="row d-none d-lg-block">
                                <div class="col-md-12 col-xs-6 mb-5">
                                  <p class="test-name">Parna Acharya</p>
<p class="test-location">Batala, Punjab</p>

                                </div>
                                <div class="col-md-12 col-xs-6">
                                  <div class="row d-flex align-items-middle">
                                    <div class="col-2 pr-0">
                                      <!-- <img class="slider-left-logo" src="/content/dam/hdfclifeinsurancecompany/testimonials/slider-left-logo.png" alt="caring-with-pride-logo"> -->
                                      
                                      
                                      
                                        <img class="slider-left-logo" data-src="/content/dam/hdfclifeinsurancecompany/testimonials/slider-left-logo.png" alt="Caring with Pride" title="Caring with Pride">
                                      
                                    </div>
                                    <div class="col-10">
                                      <p class="test-caring">Caring<span>with</span></p>
<p class="test-pride">Pride</p>

                                    </div>
                                  </div>
                                </div>
                              </div>
                              <!-- for desktop end -->
                            </div>
      
                          </div>
      
                          <!-- for mobile start -->
                          <div class="row d-flex align-items-center d-lg-none my-4">
      
                            <div class="col-6">
                              <p class="test-name">Parna Acharya</p>
<p class="test-location">Batala, Punjab</p>

                            </div>
      
                            <div class="col-6">
                              <div class="row d-flex align-items-middle">
                                <div class="col pr-0 pad-mob-0">
                                  <!-- <img src="/content/dam/hdfclifeinsurancecompany/dummy/slider-left-logo.png" class="slider-left-logo" alt="caring-with-pride-logo"> -->
                                  
                                  
                                  
                                    <img class="slider-left-logo" data-src="/content/dam/hdfclifeinsurancecompany/testimonials/slider-left-logo.png" alt="Caring with Pride" title="Caring with Pride">
                                  
                                </div>
                                <div class="col">
                                  <p class="test-caring">Caring<span>with</span></p>
<p class="test-pride">Pride</p>

                                </div>
                              </div>
                            </div>
      
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                          <!-- for mobile end -->
      
                        </div>
      
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                      <!-- Slider left end -->
      
                      <!-- Slider right start -->
                      <div class="col-md-6">
                        <div class="right-bg">
                          <div class="test-right-para py-4">
                            <p class="para-scroll">" The seamless and efficient claim processing of my late husband's HDFC Life Term plan has provided us with the much-needed financial stability during this challenging time. Moreover, the personalized attention and empathy shown by the staff has left a lasting impression on me. I would like to express my gratitude for timely communication throughout the entire process by Mr. Subhadip. His prompt updates and clear explanations helped alleviate my concerns and kept me informed at every step. In addition to the quality service received, the transparency displayed by HDFC Life has instilled confidence in me as a customer. Thank you for being there for me and my family during this difficult journey."</p>

                          </div>
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                        <p>INT/MC/06/23/1951</p>

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          <h5 class="greyheading">About</h5>
      <h3 class="homeheader2 font-28">HDFC LIFE</h3>

          <p>HDFC Life is one of India's leading life insurance company offering a range of individual and group insurance solutions that meet your various needs such as Protection, Pension, Savings &amp; Investment, Health and more.</p>

  
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                    <a href="#" title="NUMBER OF LIVES INSURED" role="link">
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                            <h6>NUMBER OF LIVES INSURED</h6>
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                              <h4><span class=""></span> 6.6 Cr</h4>
                              <p>In FY 23-24</p>
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                              <img data-src="/content/dam/hdfclifeinsurancecompany/home/icons/assets-under-mgmt.png" alt="Assets under management" title="Assets under management">
                              
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                              <h4><span class=""></span> 2,92,220 crore</h4>
                              <p>In FY 23-24</p>
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                            <div class="left bg-Branches">
                              
                              
                              
                              <img data-src="/content/dam/hdfclifeinsurancecompany/home/icons/branchers-partnership.png" alt="HDFC Life Branches" title="HDFC Life Branches">
                              
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                              <h4>535</h4>
                              <p>Across in India</p>
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                    <a href="#" title="SUM ASSURED" role="link">
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                            <h6>SUM ASSURED</h6>
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                              <img data-src="/content/dam/hdfclifeinsurancecompany/home/icons/sum-assured.png" alt="Sum Assured" title="Sum Assured">
                              
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                              <h4><span class=""></span> 13.34 lakh crore</h4>
                              <p>New Business</p>
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                      </a>
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                        <h6>SUPERBRAND FOR THE 9TH TIME</h6>
                        <h4>Superbrand 2023-24</h4>
                        <p></p>
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          <div class="col-sm-12 disc-txt">As per HDFC Life Integrated Annual Report FY 2023 - 2024</div>
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                <h6 class="pad-top57">SUPERBRAND FOR THE 9TH TIME</h6>
                <h4>Superbrand 2023-24</h4>
                <p></p>
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                <h6>SUM ASSURED</h6>
                
                
                
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                <h4>13.34 lakh crore</h4>
                <p>New Business</p>
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                <h6>BRANCHES </h6>
                
                
                
                <img class="bg-Branches" data-src="/content/dam/hdfclifeinsurancecompany/home/icons/branchers-partnership.png" alt="HDFC Life Branches" title="HDFC Life Branches">
                
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                <h4>535</h4>
                <p>Across in India</p>
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                <h6>ASSETS UNDER MANAGEMENT</h6>
                
                
                
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                <h4>2,92,220 crore</h4>
                <p>In FY 23-24</p>
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                <h6>NUMBER OF LIVES INSURED</h6>
                
                
                
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                <h4>6.6 Cr</h4>
                <p>In FY 23-24</p>
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      <p class="text-center disktext">As per HDFC Life Integrated Annual Report FY 2023 - 2024</p>
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                <h2>Claim Track Record</h2>

                <h4>for FY 2023-2024</h4>

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                                    <img class="lozad img-fluid" data-src="/content/dam/hdfclifeinsurancecompany/claims/vc1.png" alt="Individual Death Claim Settlement Ratio of 99.5%">
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                                    <h4>We have honoured <span>99.50%</span> Individual Claims!*</h4>

                                </div>
                            </div>
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                                <div class="col-lg-12 mt-4">
                                    <p>At HDFC Life, we ensure a <b>hassle-free</b> and <b>uniquely sensitive</b> claim experience. We are always doing our utmost to enable faster settlement of claims, with our <a href="https://www.hdfclife.com/term-insurance-plans/claim-settlement-ratio" target="_blank">Claim Settlement Ratio</a> reflecting this assurance.&nbsp;<br>
</p>

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                                    <h4><span>Same Day</span> Claims Processing</h4>

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                                    <p>Individual claims processed <b>within 24 business hours</b> for all claims over 3 years from the date of inception**.</p>

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                            <p>*Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2023-24.</p>
<a href="javascript:void(0)" role="link" data-toggle="modal" data-target="#settlementModal0" class="km">Check last 5 years claims trend.</a>
                        
                            <p>**Provided we have received all the relevant and required documents and no further investigation is required. Claim settlement process would be completed within stipulated timelines once the claim request is approved.</p>
<a href="javascript:void(0)" role="link" data-toggle="modal" data-target="#settlementModal1" class="km">Know More</a>
                        
                    
                
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                <div class="modal-dialog modal-dialog-scrollable modal-lg"><div class="modal-content "><span class="close-icon1" data-dismiss="modal"></span><div class="modal-body info-form"><div class="row"><div class="col-sm-12"><h3 class="homeheader2 text-center">Claim Settlement <span class="colorred">Ratio</span></h3>
<p class="text-center">( Percentage and average claim settlement time )</p>
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<div class="row"><div class="col-sm-10 sm-offset-1 pgrs"><div class="row"><div class="col-3 prog-left">2023 - 24</div>
<div class="col-8 prog-mid"><div class="progress"><div class="progress-bar bg-success" style="width: 70.0%;">&nbsp;</div>
<span class="prog-right">99.50%</span></div>
<p>Average Claim settlement time: <span>1 day</span></p>
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<div class="row"><div class="col-3 prog-left">2022 - 23</div>
<div class="col-8 prog-mid"><div class="progress"><div class="progress-bar bg-success" style="width: 70.0%;">&nbsp;</div>
<span class="prog-right">99.39 %</span></div>
<p>Average Claim settlement time: <span>2 days</span></p>
</div>
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<div class="row"><div class="col-3 prog-left">2021 - 22</div>
<div class="col-8 prog-mid"><div class="progress"><div class="progress-bar bg-success" style="width: 70.0%;">&nbsp;</div>
<span class="prog-right">98.66 %</span></div>
<p>Average Claim settlement time: <span>3 days</span></p>
</div>
</div>
<div class="row"><div class="col-3 prog-left">2020 - 21</div>
<div class="col-8 prog-mid"><div class="progress"><div class="progress-bar bg-success" style="width: 70.0%;">&nbsp;</div>
<span class="prog-right">98.01 %</span></div>
<p>Average Claim settlement time: <span>5 days</span></p>
</div>
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<div class="row"><div class="col-3 prog-left">2019 - 20</div>
<div class="col-8 prog-mid"><div class="progress"><div class="progress-bar bg-success" style="width: 70.0%;">&nbsp;</div>
<span class="prog-right">99.07 %</span></div>
<p>Average Claim settlement time: <span>4 days</span></p>
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</div>
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<div class="row"><div class="col-sm-12 settle"><h5>One Day Claim Settlement</h5>
<p>is available for the following</p>
<ul class="products-custom-listnew">
<li>Cumulative claim amount on all policies up to ₹2 crores</li>
<li>1 day claim settlement is exclusively available for policies bought online</li>
<li>Claim does not require field investigation</li>
<li>All requisite documents <sup>#</sup> submitted by the nominee before 3 PM on a working day at HDFC Life branches. Intimations beyond 3 PM will be taken up the next business day</li>
<li>HDFC Life will pay an interest on your death claim amount for every day of delay beyond one working day</li>
</ul>
<div class="disc-text"><p><b>T&amp;C Apply</b></p>
<p>1. For all claims fulfilling above mentioned conditions, provided we receive all the required documents, the claim will be processed within one working day and decision will be communicated accordingly.</p>
<p>2. Investigation / Open title / Rival / Court involved Claims are excluded.</p>
<p>3. Policy duration at the time of event is at least &gt;=3 years.</p>
<p>4. Saturday, Sunday, public festivals and non-NAV days (for ULIP) are excluded (not treated as a working day) ^Interest rate would be at 6.25%per annum.</p>
</div>
<div class="disc-text"><p><b>#Documentation Details</b></p>
<p>Claim form, Nominee photograph, Pan card copy, Identity and Address proof of nominee. (If nominee is minor, documents of appointee to be submitted). Death certificate issued by competent authority for death registrations. Medical cause of death certificate. Cancelled cheque/copy with the name of nominee/appointee mentioned on it as per the passbook of the nominee/appointee. Past &amp; current complete medical records including discharge/death summary, indoor case papers, investigation reports, consultation notes. In case of an accidental death, additional documents will be required. Post Mortem Report, Panchnama, Police Inquest report, First/Final Information report, Viscera/Chemical Analysis report.</p>
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<h2 style="text-align: center;">What is life insurance?&nbsp;</h2>
<p>Have you ever wondered what would happen to your family in case of your untimely demise someday? Who will take care of their finances, such as their EMIs, grocery, education and marriage expenses? Will your investments or savings be enough to help them survive for long? If you are indeed worried about all this, then <b>life insurance</b>&nbsp;is surely the answer.<br>
&nbsp;</p>
<p>In exchange for your premium payments over the course of the policy term, the life insurrer such as HDFC Life offers you a life cover sum. Life insurance cover safeguards the future of your family by providing a lump sum payment, also known as a death benefit, in the event of your untimely demise during the policy’s term. Moreover, upon the expiration of the policy term, certain life insurance policies offer you a maturity benefit.<br>
<br>
As you pay the <b>life insurance </b>premiums, the insurer agrees to pay a certain amount of money to the beneficiary of the life insurance policy upon the policyholder's death or after a predetermined period of time, which is the cover amount.</p>
<p><br>
Because paying premiums is the only way to access all the benefits of a life insurance policy, it is best to choose a premium that is affordable. Only when you keep paying all premiums on time, the insurer offers the cover amount promised.</p>
<p><br>
Now comes the question, why buy a life insurance? What benefits does it offer? Well, let us simplify that for you.</p>
<p><br>
The most vital benefit of life insurance is safeguarding your finances. Any <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/type-of-life-insurance" target="_blank">type life insurance plan</a>&nbsp;has the ability to give your family financial stability is one of its main advantages. A death benefit is a core part and is included in life insurance policies. Your family members or nominee(s) will receive the sum assured, which is a predetermined amount if you pass away within the policy's term. This guarantees your family members' financial stability even when you aren't around.</p>
<p><br>
The second benefit of life insurance is that it helps inculcate a savings habit. In order to maintain the validity of your <a href="https://www.hdfclife.com/life-insurance-plans" target="_blank">life insurance policy</a>, you must make periodic payments or premiums. Your policy may be cancelled if premiums are not paid. Thus, you develop a saving habit that will serve you well in the long run by investing on a regular basis.</p>
<p><br>
Life insurance also promotes tax savings. The government has extended tax savings to a wide range of investment instruments in an effort to encourage savings and investment. One such tool is life insurance. As per&nbsp;<a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/income-tax-deduction-under-section-80c" target="_blank">deductions under 80C</a> of the Income Tax Act of 1961*, you are eligible to receive a tax deduction of up to Rs 1.5 lakh for the annual premium that you pay. You thus get the advantage of both tax savings and investment.</p>
<p><br>
Another benefit is that life insurance helps reach your major financial goals in life. Over time, some life insurance policies accrue cash value. Policies for life insurance, like <a href="https://www.hdfclife.com/ulip-plans" target="_blank">ULIPs</a>, also include an investment component. Your premium is invested and yields a return on marketable securities. They accumulate over time into a sizable corpus that can be utilised to accomplish objectives like your child's education, child marriage, etc.</p>
<p><br>
The fifth benefit of life insurance is distribution &amp; wealth protection.One of the safest long-term investment options are <b>life insurance</b>&nbsp;policies. Hence, having life insurance will enable you to protect your wealth from taxes &amp; inflation for an extended period of time. Because of this feature, life insurance plans are excellent tools for retired investors to create long-term pensions.</p>

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<h2 style="text-align: center;">How Does Life Insurance Work?</h2>
<p>While purchasing any type of&nbsp;life insurance, it's important for you to understand how it works and how your nominee can receive the benefits of your policy. Better understanding will help you on deciding on frequency of payment, payout plan and sum assured.</p>
<h3><br>
1.&nbsp;<b>Buying life insurance<br>
 &nbsp;</b></h3>
<p>When buying a life insurance, it's important to consider the following factors:<br>
&nbsp;</p>
<ul class="leftPadding20">
<li class="listbulletElibility">Life coverage you need</li>
<li class="listbulletElibility">Type of life insurance that will meet your financial needs</li>
<li class="listbulletElibility">Premiums that you will pay. For example <a href="https://www.hdfclife.com/term-insurance-plans/term-insurance-calculator" target="_blank">term insurance calculator</a>&nbsp;can help you with calculating the premiums to <a href="https://www.hdfclife.com/" target="_blank">buy term insurance</a> &nbsp;&nbsp;</li>
<li class="listbulletElibility">Add-on riders that will help you get a comprehensive financial cover</li>
<li class="listbulletElibility">Differences between various life insurance quotes for each possible policy</li>
</ul>
<h3><br>
2.&nbsp;<b>Payment of Premium<br>
 <br>
</b></h3>
<p>The&nbsp;premiums of a life insurance&nbsp;is dependent on a few factors, such as type of life insurance you purchase, term of the policy, premium paying term, your age, your gender, the insurance company selling the policy, and your overall health, wellness, and family history.<br>
&nbsp;</p>
<ul class="leftPadding20">
<li class="listbulletElibility">To calculate premiums for term insurance plan you can use term insurance calculator</li>
<li class="listbulletElibility">To calculate premiums for ULIP you can use <a href="https://www.hdfclife.com/ulip-plans/ulip-calculator" target="_blank">ULIP calculator</a></li>
<li class="listbulletElibility">To calculate premiums for savings plan you can use <a href="https://www.hdfclife.com/savings-plans/savings-calculator" target="_blank">savings calculator</a></li>
<li class="listbulletElibility">To calculate premiums for investment plans you can use <a href="https://www.hdfclife.com/investment-plans/investment-calculator" target="_blank">investment calculator</a></li>
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3.&nbsp;<b>Claims<br>
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<p>As far as the claim is concerned, if the insured passes away during the policy's tenure, a death benefit is paid to the insured's designated nominee in an amount predetermined by the insurer. Making a claim for this is a fairly easy process. A claim can be submitted online, through text message, email, phone at the insurer's call centre, or in person at a branch office. In order to expedite the claim processing, it is best to notify the insurer as soon as the required paperwork is prepared. Do research on the insurer's claim settlement ratio prior to buying a <b>life insurance</b>&nbsp;policy. This indicates the possibility that your claim will be resolved.</p>

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                <h2 class="mainTitle">What are the different types of life insurance?&nbsp;</h2>
                <h5 class="catSectionSubTitle"><p>Some of the types of life insurance are:</p>
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                                            <strong>Term Insurance</strong>
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                                        <p><a href="https://www.hdfclife.com/term-insurance-plans">Term insurance</a>&nbsp;safeguards the future financial stability of your family in the event of your death. Term insurance is a pure protection plan. In addition, compared to other life insurance products, term insurance has cheaper premiums. If you purchase large covers early in life, the premiums are also more reasonable. You can opt to get all your premiums back after the term of the policy in case you survive through&nbsp;<a href="https://www.hdfclife.com/term-insurance-plans/term-with-return-of-premium-plan">term insurance with return of premium</a>. If you want to get&nbsp;<a href="https://www.hdfclife.com/health-insurance-plans/critical-illness-insurance">critical illness insurance</a>&nbsp;then you can choose avail the critical illness rider along with your base term insurance.</p>

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                                            <strong>Whole Life Insurance</strong>
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                                        <p><a href="https://www.hdfclife.com/term-insurance-plans/whole-life-insurance">Whole life insurance</a>&nbsp;is a plan that provides life cover for the whole life of the policyholder. It may extend to 99 or 100 years of age.</p>

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                                            <strong>ULIP</strong>
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                                        <p>A Unit Linked Insurance Plan (ULIP) is a special type of life insurance that combines protection with investment. With a&nbsp;<a href="https://www.hdfclife.com/ulip-plans" target="_blank">ULIP</a>, you get life coverage and the chance to invest in market-linked options, which can potentially grow your money over time. It also offers tax benefits and the flexibility to switch between different investment funds. Life insurance quotes help you figure out how much coverage you need and how to split your money between insurance and investments.</p>

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                                            <strong>Retirement Plans</strong>
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                                        <p>Retirement plans or&nbsp;<a href="https://www.hdfclife.com/retirement-and-pension-plans" target="_blank">pension plans</a>&nbsp;are life insurance products designed to ensure you’re financially secure when you retire. They let you invest money while you’re working, building up a savings fund that you can use when you stop working. Investing in&nbsp;<a href="https://www.hdfclife.com/retirement-and-pension-plans" target="_blank">retirement plans</a>&nbsp;is a smart, disciplined way to prepare for a comfortable and worry-free retirement.</p>

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                                                <strong>Child Insurance Plans</strong>
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                                            <p>Children deserve the best, and a&nbsp;<a href="https://www.hdfclife.com/children-insurance-plans" target="_blank">child insurance plan</a>&nbsp;can help secure their future by saving for education and marriage costs. Child plans provide maturity benefits when the child turns 18, either as a lump sum or in yearly payments. They also include insurance for parents, offering financial support if the insured parent passes away during the policy period.<br>
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One key benefit of child plans is the ability to choose how your money is invested—whether in debt, equity, or balanced funds. ULIP child plans also ensure that your returns keep up with inflation.<br>
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                                                <strong>Savings and Investment Plans</strong>
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                                            <p><a href="https://www.hdfclife.com/savings-plans" target="_blank">Savings plans</a>&nbsp;are life insurance products that help you build a guaranteed financial fund over time. You can use this money to meet your financial needs and future goals.<br>
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These plans have two benefits: they help you grow your wealth and provide life insurance. The&nbsp;<a href="https://www.hdfclife.com/investment-plans" target="_blank">investment plans</a>&nbsp;also offer a death benefit. Depending on the type of savings plan you choose, it can also serve as a backup source of income, allowing for long-term planning. You can also opt for a&nbsp;<a href="https://www.hdfclife.com/investment-plans/money-back-plan" target="_blank">money back policy</a>, which offers both financial protection and investment benefits.</p>

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                                                <strong>Group Insurance Plans</strong>
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                                            <p><a href="https://www.hdfclife.com/group-insurance-plans">Group insurance plans</a>&nbsp;facilitate the provision of numerous insurance benefits to a typical group of people at once. Groups and organisations can use these to offer effective&nbsp;<b>life insurance</b>&nbsp;benefits to their members or employees.</p>
<p>Now, you may ask why choose a group insurance plan. The primary benefit of group insurance plans is their hassle-free approach to large-scale insurance coverage. These plans are perfect for banks, societies, employers, associations, and financial institutions that provide coverage for a group of individuals who fit into a predetermined category.&nbsp;</p>

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        <h2 class="sec-title">Why should you consider buying life insurance?</h2>
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        <p>Buying a life insurance is important in more ways than one. Let us explain why purchasing <b>life insurance</b>&nbsp;is not an option but a necessity:</p>

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                <h3>Financial security for your family &amp; loved ones</h3>
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                  <p>A life insurance plan can help your family live comfortably and worry-free by replacing your income in the event of your death. It assists them in maintaining their way of life and paying for bills like food, rent, schooling, etc.</p>

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                <h3>To pay for your children's future education</h3>
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                  <p>If the family's primary provider dies, the cost of their education may become extremely burdensome. Even if you are not living, life insurance makes sure your kids attend the college of their choice.</p>

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                <h3>To save for retirement and make plans for future</h3>
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                  <p>Unexpected occurrences such as illness and disability can cause financial ruin for your family. It functions as a safety net and pays for expenses in unanticipated situations.</p>

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                <h3>To settle any debts you may owe</h3>
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                  <p>Your family may have financial hardships following your death as a result of your debts. Life insurance provides financial freedom to your family members by assisting them in paying off debts such as credit card bills and house loans.</p>

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                <h3>To qualify for tax deductions** under the Income Tax Act</h3>
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                  <p>Under section 80C of the Income Tax Act, you can benefit from tax deductions of up to Rs 1.5 lakhs annually with the premiums you pay. You can also avail <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/section80d-deductions" target="_blank">section 80d</a>&nbsp;the premiums you pay for add-on riders.</p>

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                <p class="content-view-label showButton">...Read More</p>
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                <h3>For financial security and peace of mind</h3>
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                  <p>Life insurance can provide you with a sense of calm by ensuring that your family is secure financially and does not need to worry about your debts. You can then live a confident and stress-free life.</p>

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                <p class="content-view-label">...Read More</p>
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                        <h3>Newly married people</h3>
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                        <p>Married couples need life insurance, especially if one partner depends on the other's income. It guarantees that the surviving spouse can continue to live comfortably and pay for things like household bills and the EMIs.</p>

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                        <h3>Young parents</h3>
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                        <p>Having life insurance to cover your children's expenses in the event of your incapacity is essential if you have young children. The cover includes paying for regular bills, schooling, marriage, and additional costs associated with raising children.</p>

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                        <h3>Individuals with financial liabilities</h3>
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                        <p>If you have a large amount of debt, such as a mortgage or student loan, life insurance can make sure that your family won't be left to deal with it after you pass away.</p>
<p>Also, if you are single and your dependents are dependent on your income, like ageing parents or older siblings, life insurance can give them the necessary financial support following your death.</p>

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                        <h3>People about to get retired</h3>
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                        <p>Certain life insurance policies, such as whole life insurance plans or universal life insurance, can help you meet your financial objectives by giving you extra income during your golden years if you're planning for retirement and want to augment your retirement savings.</p>

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                      <p class="content-view-label showButton">...Read More</p>
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<h2 style="text-align: center;">What Happens When You Purchase Life Insurance?</h2>
<p>When you buy a life insurance policy, you sign an agreement and pay a premium—either monthly or annually—to the insurance company on a regular basis for a predetermined amount of time.</p>
<p>&nbsp;</p>
<p>The insurer will provide your dependents or loved ones with access to the assured sum in the event of your death. If you survive, you might be eligible for a maturity payment based on the terms and conditions.</p>
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<p>It provides your family with financial security by acting as a cushion.</p>
<p>&nbsp;</p>
<p>What to anticipate when buying a life insurance policy is as follows:</p>
<p>&nbsp;</p>
<ul class="leftPadding20">
<li class="listbulletElibility"><b>Choosing a policy</b>: You must first decide on the kind of life insurance policy you want, the amount of coverage you need, a term that best suits your needs, and the beneficiaries.<br>
<br>
</li>
<li class="listbulletElibility"><b>Application</b>: After that, you complete the required steps and fill out the application form. A medical examination might also be necessary to evaluate your health.<br>
<br>
</li>
<li class="listbulletElibility"><b>Approval and payment</b>: After that, you get the policy documentation and start making regular premium payments.<br>
<br>
</li>
<li class="listbulletElibility"><b>Regular premium payment</b>: Throughout the policy's term your main concern is making premium payments to maintain the status of your policy. Additionally, you are free to modify as needed.<br>
<br>
</li>
<li class="listbulletElibility"><b>Maturity/Death</b>: When the policy matures or the insured passes away, the insurer will pay the designated beneficiaries the death benefit or maturity amount.</li>
</ul>
<p>&nbsp;</p>
<p>Once you buy life insurance, here are the benefits which it will offer in your financial life<i>:</i></p>
<p>&nbsp;</p>
<ul class="leftPadding20">
<li class="listbulletElibility"><b>It lowers your tax burden</b></li>
</ul>
<p>&nbsp;</p>
<p>You should buy insurance if for no other reason than that you can deduct your premiums from your taxes.</p>
<p>&nbsp;</p>
<ul class="leftPadding20">
<li class="listbulletElibility"><b>It will assist your family with debt repayment.</b></li>
</ul>
<p>&nbsp;</p>
<p>We never know what the future holds for us in life. Your family might have to deal with a car loan, credit card debt, or other loans if something were to happen to you. A life insurance policy's payout can assist your loved ones in paying off these debts.</p>
<p>&nbsp;</p>
<p>Healthy individual.</p>
<p>&nbsp;</p>
<ul class="leftPadding20">
<li class="listbulletElibility"><b>It can provide you assistance in achieving long-term goals.</b></li>
</ul>
<p>&nbsp;</p>
<p>You can invest modest sums that will add up over time to help you buy the house of your dreams or launch the business of your dreams, depending on the insurance plan you select.</p>
<p>&nbsp;</p>
<ul class="leftPadding20">
<li class="listbulletElibility"><b>It offers a safety net for finances.</b></li>
</ul>
<p>&nbsp;</p>
<p>Being the breadwinner in the family, your loss will have a financial as well as emotional impact. Your family and loved ones will have a financial safety net to support them during their grieving process if you have good <b>life insurance</b>.</p>

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                <h2 class="mainTitle">FAQ's&nbsp;about Life Insurance</h2>
                
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                                            <strong>What are the benefits of life insurance?</strong>
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                                        <p>The biggest benefit of life insurance is that no matter your income level, life insurance ensures that your loved ones can make ends meet if you were to pass away.</p>
<p>Buying a life insurance policy at any stage in life gives you peace of mind. It offers a life cover that keeps you and your family protected in case of your unfortunate demise. The life insurance claim in the event of your death will help your family have a secure financial future, by paying for children's education, paying off debts and helping towards household expenses. The money you invest in life insurance is safe, and your family stands to gain from the benefits of insurance payouts in case of unforeseen circumstances.</p>
<p><br>
Life insurance premiums are eligible for rebate for salaried persons to reduce their tax liability. Life insurance also gives you the benefit of taking a loan against the policy in certain cases. A life insurance policy will help you to plan your life goals, including your children's education, their marriages and your retirement corpus.</p>
<p>The riders available with your life insurance policy help you customise your plan and get maximum benefit.</p>
<p>There are different types of life insurance which help you reap the benefits of a secure future for yourself and your family.</p>

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                                            <strong>What do you mean by life insurance?</strong>
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                                        <p>It is a contract between a policyholder and the insurer wherein the insurer agrees to pay a certain sum of money in exchange for premiums upon death or maturity of the policy.</p>

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                                            <strong>How to choose the right sum assured under life insurance?</strong>
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                                        <p>It can be done by forecasting future earnings, making a note of future annual expenses, calculating the future costs of financial goals such as children's education and marriage, and adding liabilities. Or you can also multiply your annual income by 10 for a rough idea.</p>

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                                            <strong>What are life insurance quotes?</strong>
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                                        <p>You can find out the estimated cost of a potential policy with an insurance quote. It also contains other important details regarding the policy and the things that are covered.</p>
<p>&nbsp;</p>
<p>Using the information on your insurance quote, you can determine that policy offers the best value by comparing it to quotes from other policies for the same or comparable coverage. If the policy is term life insurance, the term limits and coverage limits are usually included in life insurance quotes.</p>

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                                                <strong> Who needs life insurance the most?</strong>
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                                            <p>Anyone who has dependents to support and is an income earner for the household needs Life Insurance. Your loved ones who depend on your income would be negatively impacted by your untimely passing and the subsequent loss of income. A life insurance policy makes sure their financial future is protected through the payouts by the insurer in case of the insured person's death.</p>
<p>If you own a business, it helps to have life cover so that the business is not negatively impacted by your passing. It can help to sustain it by covering expenses and paying debts till your successor finds their feet in the business.</p>
<p>If you have taken loans during your lifetime, having a life cover will help your family to pay off your debts with the help of the payouts received against the insurance claim.</p>

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                                                <strong>What are the types of life insurance plans?</strong>
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                                            <p>In India, we have a variety of insurance plans to suit every need.</p>
<p>The simplest plans are<b>&nbsp;</b>Term insurance plans, in which there is a death benefit but no maturity benefits. In Term Insurance, the insurer promises to pay the beneficiaries a lump sum amount in the event of the insured person's death. Some Term insurance plans nowadays also offer to give back the premiums you pay on surviving the policy period; these are called <a href="https://www.hdfclife.com/term-insurance-plans/term-with-return-of-premium-plan" target="_blank">Term insurance with return of premium plans</a>.</p>
<p>Other life insurance plans in India include Endowment Insurance plans, Unit Linked Insurance Plans (ULIPs), Moneyback Insurance plans, Whole life insurance plans, Group life insurance, Child Insurance Plans and Retirement Insurance Plans.<br>
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                                                <strong>What are the factors that affect life insurance premium? </strong>
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                                            <p>The main factor influencing the life insurance premiums of a policyholder is their age. Younger persons are generally considered healthy and unlikely to contract illnesses or pass away suddenly; hence younger people attract lower insurance premiums.<br>
</p>
<p>Gender is another factor that determines the premium amount as proven scientific and statistical evidence points to women likely to live an average of 5 years more than men. Consequently, since women are perceived to avail of policies for a longer tenure, they can avail of lower premiums.<br>
</p>
<p>Medical records play a crucial factor in deciding the premium as well, since life insurance policies typically come with an underwriting process that includes a thorough medical exam of the policyholder. Any red flags concerning physical health and potential illnesses can have an impact on the amount of premium to be paid.</p>
<p>Family history is important as certain hereditary diseases could be passed on to the policyholder. The family's medical history plays a part in revealing these patterns and can influence the amount of premium.<br>
</p>
<p>Smoking and drinking, which are considered harmful to health and can impact your longevity, also influence the amount of premium to be paid. Professions and lifestyles can also impact the life insurance premium. Persons working in professions considered dangerous like mining, oil and gas and fisheries, and indulging in risk taking activities like mountaineering can attract higher premiums.</p>

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                                                <strong>How do I file a life insurance claim?</strong>
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                                            <p>Life insurance claims can be made either on death of the policyholder, on maturity of the policy or as a Rider claim. In case of death claim, the beneficiary who is the nominee of the policy should intimate about the claim to the insurer at the earliest by filling the intimation form which can be obtained from the nearest branch of the insurance company or can be downloaded from the website of the insurance company. Relevant documents like death certificate of the insured person, birth certificate of the insured person (for proof of age), the original policy document, and any other documents requested by the insurer should be provided.</p>
<p>The insurer is obliged to settle claims, once filed, within 30 days of receipt of all documents. In case further investigation is needed, the insurer gets six months to complete its procedures from the date of receiving written intimation of the claim.<br>
</p>
<p>If you are making a maturity claim, the insurer reaches out to the policyholder in advance with a bank discharge form, which the policy holder has to fill in and submit to the insurer along with the relevant documents requested.<br>
</p>
<p>In the case of rider claims, which are additional benefits accruing to policy holders for paying extra premium, duly filled claim forms and policy copies are to be submitted to the insurer. Different riders like Waiver of Premium and Critical Illness are settled through different means.</p>

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                                                <strong>What types of death are not covered by life insurance?</strong>
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                                            <p>While deaths due to accidents are covered by life insurance, there are certain exceptions. Accidental death if the insured is involved in any criminal activity or if death occurs due to intoxication or drugs are not covered by term life insurance plans. Accidental deaths while the insured was engaged in adventure sports like sky diving and bungee jumping are also not covered by such plans.</p>
<p>Death benefits for suicide are generally made at the discretion of insurance companies. Usually, beneficiaries are entitled to 80 per cent of amount accumulated from premiums paid in case of a non-linked plan, and 100 per cent in the case of a linked plan, if the insured dies by suicide within the initial 12 months.</p>
<p>Term insurance plans do not cover death occurring from self-inflicted injuries, or due to illnesses like sexually transmitted diseases like HIV/AIDS.</p>
<p>Death due to alcohol or drug abuse is also not covered by term plans, nor is homicide where the policy holder is murdered by the nominee for money. Death due to an existing illness that has not been disclosed at the time of purchasing the plan is also not covered by term life insurance plans. Death caused by natural disasters like tsunami, earthquake, floods etc is not covered by term insurance, unless the policy holder has opted for riders for that purpose.</p>

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                                                <strong>What are the uses of life insurance?</strong>
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                                            <p>It offers benefits like tax benefits, financial security, financial coverage for families, wealth creation, retirement planning, the accomplishment of future goals, and much more.</p>

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                                            <strong>What are the 3 benefits of term insurance?</strong>
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                                        <p>The premiums are reasonable, your family will be financially secure in the event of your death and you may even add coverage for critical illnesses and accidental deaths.</p>

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                                        <p>It is possible for a family to achieve their financial goals as well as meet their day-to-day expenses by purchasing a term insurance policy. The dependants of the insured do not suffer financially if a term insurance is in place.</p>

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                                            <strong>Is accidental death covered in term insurance?</strong>
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                                        <p>Accidental death is covered by a term insurance policy. The sum assured on a term insurance policy will pay out no matter what the cause of death is, whether it is a result of a health issue or an accident.</p>

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                                            <strong>What happens at the end of a term life policy?</strong>
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                                        <p>When <a href="https://www.hdfclife.com/term-insurance-plans" target="_blank">term life insurance plan</a>&nbsp;expire, the policyholder does not have to take any action. A policyholder will be notified that the policy is no longer in effect; no premiums are payable, and no death benefits would be paid out.</p>

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                                                <strong>What are the Death Benefits under Term life Insurance?</strong>
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                                            <p>Death Benefits are paid to your dependents in a lump sum payment if you die unexpectedly. But few term insurance policies do provide a monthly income along with a lump sum amount to assist with regular expenses.</p>

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                                                <strong>What is Term Insurance Premium?</strong>
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                                            <p>This is the sum of money you pay the insurance company in exchange for financial security. A monthly, semi-annual, or annual premium payment can be made.</p>

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                                            <strong>What is a savings insurance plan?</strong>
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                                        <p>A savings insurance plan is a type of insurance policy that allows you to invest for a financially secure future. These plans help you develop a disciplined habit of saving and aid to achieve your future goals. Crucially, they offer life coverage for the policyholder, securing the family’s financial future.</p>

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                                            <strong>Why should you invest in a savings insurance plan?</strong>
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                                        <p>If you are risk-averse but want to build a corpus for your future financial goals, a savings insurance plan like the <a href="https://www.hdfclife.com/savings-plans/guaranteed-income-insurance-plan">HDFC Life Guaranteed Income Insurance Plan</a><sup>8</sup> could be ideal. These policies offer life coverage, protecting your loved ones and providing them with financial support at a difficult time. Additionally, it helps you develop a disciplined saving scheme and builds up funds for your future.</p>

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                                            <strong>What are the benefits of a savings insurance plan?</strong>
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                                        <p>When you <a href="https://www.hdfclife.com/savings-plans">purchase a savings insurance policy</a> like <a href="https://www.hdfclife.com/savings-plans/sanchay-par-advantage">HDFC Life Sanchay Par Advantage</a><sup>9</sup>, you benefit from financial stability as it provides guaranteed returns to help you meet future expenses. The plan also offers life coverage for the policyholder, providing your loved ones with a financial safety net if anything happens to you. These plans are also eligible for tax savings under the Income Tax Act of 1961<sup>#</sup>.</p>

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                                            <strong>What are the tax benefits of a savings insurance plan?</strong>
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                                        <p>Savings insurance plans offer tax benefits under Section 80C<sup>#</sup> and Section 10(10D)<sup>#</sup> of the Income Tax Act. The premium amount is eligible for a deduction of up to Rs. 1, 50,000 per year from your taxable income under Section 80C<sup>#</sup>. Your premium should be less than 10% of the sum assured to be eligible for the tax benefit. Under Section 10(10D), the maturity and insurance benefits payable when the policy ends are tax-free.</p>

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                                                <strong>Should I pick a long-term or short-term savings investment plan?</strong>
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                                            <p>The savings investment plan term you select should depend on your goal. If you’re saving up for a short-term goal, such as a holiday abroad or home renovations, you can opt for a short-term plan. However, if you’re saving up to send your child to college, purchase a home, or for retirement, you should opt for a long-term plan.</p>

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                                                <strong>Why choose a savings plan from HDFC Life?</strong>
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                                            <p>HDFC Life offers steady returns and a competitive individual death claim settlement ratio, providing financial security to you and your loved ones. We offer multiple plans and customisable options, enabling you to find the ideal savings plan for your financial needs.</p>

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                                            <strong>Is ULIP tax-free?</strong>
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                                        <p>Section 80C provides an income-tax deduction for ULIPs, and Section 10(10D) of the Income Tax Act exempts returns from income tax upon maturity. This policy offers a dual benefit.</p>

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                                            <strong>How much return does ULIP give?</strong>
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                                        <p>Investing in ULIP can generate high returns if you stay invested for 10 years or more.</p>

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                                            <strong>Who should invest in ULIP?</strong>
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                                        <p>ULIPs are best suited for people who have a long-term financial plan that includes both wealth creation and insurance.</p>

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                                            <strong> What are the common features of ULIPs?</strong>
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                                        <p>ULIPs share four common features:</p>
<ul>
<li><p>Option for Partial Withdrawal</p>
</li>
<li><p>Option for switching funds</p>
</li>
<li><p>Lock-in period required</p>
</li>
<li><p>An alternative long-term investment</p>
</li>
</ul>

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                                                <strong>What are the different types of ULIPs?</strong>
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                                            <table border="1" style="width: 100%;">
<tbody><tr><td><p><b>Type</b></p>
</td>
<td><p><b>Risk</b></p>
</td>
<td><p><b>Type of Returns</b></p>
</td>
</tr><tr><td><p>Bond funds</p>
</td>
<td><p>Medium</p>
</td>
<td><p>Low to medium</p>
</td>
</tr><tr><td><p>Equity funds</p>
</td>
<td><p>High</p>
</td>
<td><p>High</p>
</td>
</tr><tr><td><p>Cash funds</p>
</td>
<td><p>Low</p>
</td>
<td><p>Low</p>
</td>
</tr><tr><td><p>Balanced</p>
</td>
<td><p>Medium</p>
</td>
<td><p>High</p>
</td>
</tr></tbody></table>

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                                                <strong>How is ULIP different from traditional plans?</strong>
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                                            <p>ULIPs have a minimum lock-in period of three to five years, whereas traditional insurance plans are locked in until maturity. In addition, when you only want to insure, you must choose a traditional insurance plan. However, with a ULIP, you can get insurance while also increasing your capital.</p>
<p>&nbsp;</p>

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                                            <strong>Why is a retirement plan important?</strong>
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                                        <p>Retirement planning not only ensures an additional source of income, but also assists in dealing with medical emergencies, fulfilling life goals, and becoming financially independent.</p>

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                                            <strong>When should I buy a retirement plan?</strong>
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                                        <p>The answer is simple: as soon as possible. Your twenties are a good time to start saving when you complete your education, start working and earn a pay check. This gives your money more time to grow.&nbsp;</p>

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                                            <strong>What is annuity?</strong>
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                                        <p>An annuity is a contract you enter into with an insurance company in which you pay a lump sum or series of payments in exchange for regular payments. The goal is to have a constant source of income, typically during retirement.</p>

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                                            <strong>What are the types of Pension Plans?</strong>
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                                        <p>Pension plans can be classified into three types: Defined contribution pensions, Defined benefit pensions, or State pensions.</p>

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                                                <strong>How is a Pension Plan different from a Term Plan?</strong>
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                                            <p>Life insurance that provides financial security to your family in your absence is termed term insurance. A <a href="https://www.hdfclife.com/retirement-and-pension-plans" target="_blank">pension plan</a>, on the other hand, can replace lost income after 60 or if you retire early.</p>

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                                                <strong>What are the tax benefits of Pension Plans?</strong>
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                                            <p>The Income Tax Act, Section 80CCC<sup>#</sup>, encourages people to invest in pension plans. Pension investments can then be deducted from gross income, and saving taxes.</p>

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                                            <strong>How much life insurance do you need for a child?</strong>
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                                        <p>A good life insurance policy should enable parents to build a solid financial corpus that will help secure their child's financial future, such as their child's education, marriage, goals, and so on, in instalments or all at once, as needed.</p>

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                                            <strong>What is the minimum age for life insurance?</strong>
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                                        <p>The age range for policyholders to purchase term insurance is 18 to 65. Life cover up to age 99 is also available for those 65 and older.&nbsp;</p>

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                                            <strong>Is it good to invest in a child plan?</strong>
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                                        <p>It is good to <a href="https://www.hdfclife.com/children-insurance-plans" target="_blank">invest in a child plan</a> as it helps you to meet your children’s goals of higher education by building up a corpus over the years. A plan that matures after a certain period helps children meet their life goals without any worries. A child plan also serves as a blanket that provides financial protection to children in the event of the parent’s death.&nbsp;</p>

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                                            <strong>What are the types of child plans?</strong>
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                                        <p>A child plan is a customised investment and insurance option designed to meet a child's financial needs. A child plan has two components: insurance to provide financial protection for the child in the event of the parent's death and investment to meet financial milestones by investing in various instruments.</p>

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                                                <strong>Why is beneficiary or nominee important in a child plan?</strong>
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                                            <p>If a policyholder dies while the policy is in effect, the nominee will be entitled to death benefits. These death benefits can be used to cover the expenses of the child or nominee in the absence of the parent.</p>

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                                                <strong>How can a child insurance policy secure your kid’s future?</strong>
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                                            <p>A child insurance plan not only protects your child's dreams but also provides you with the financial assistance you need to help them achieve their goals. It's a way to save money for your children's future education costs without having to financially burden yourself.</p>

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                    <p class="overflow-ellipsis">Ready to access your EPF pension amount? Learn how to withdraw pension contributions in EPF effortlessly with our step-by-step guide. Secure your future with ease!</p>
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                                            <p><b>T&amp;C*</b></p>
<p>1. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.<br>
2. This option can be exercised in any policy year greater than 30, but not during the last 5 policy years. This feature is not available if Life Goal or Return of Premium option is selected.<br>
3. Sum Assured on Death, up to a maximum of Rs. 2 Cr. will be accelerated in case of diagnosis of terminal illness during the policy term. This feature is available till age 80 for Life and Life Plus option.<br>
4. Guaranteed Benefit is paid on survival during policy term provided all due premiums are paid during the premium payment term.<br>
7.&nbsp;Available under Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options.<br>
8. HDFC Life Guaranteed Income Insurance Plan UIN: 101N146V04. A Non-Linked, Non-Participating Individual Life Insurance Savings Plan.<br>
9. HDFC Life Sanchay Par Advantage (UIN: 101N136V03), A Non-Linked Participating, Life Insurance Plan coverage is available in this product.</p>
<p>Provided all due premiums have been paid and the policy is in force.</p>
<p>This option is available for entry ages 50 to 60 years.</p>
<p>#Tax benefits are subject to conditions under Section 10 and other provisions of the Income Tax Act, 1961. Tax Laws are subject to change from time to time.</p>
<p>^~. Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option. This benefit is available under Life and Life Plus option only.</p>
<p>*. For more details on other plans, please visit product category page on the website:-&nbsp;<a title="https://www.hdfclife.com/" href="https://www.hdfclife.com/">www.hdfclife.com</a></p>
<p>** Tax benefits are subject to conditions under Sections 80C and other provisions of the Income Tax Act, 1961. Tax Laws are subject to change from time to time.</p>
<p>^^This product shall be withdrawn or modified on or before 30th September, 2024</p>

                                        </div>
                                    
                                    

                                </div>
                            </div>
                        </div>
                    </div>
                </div>
                <!-- <sly data-sly-use.clientLib="/libs/granite/sightly/templates/clientlib.html"
                data-sly-call="" /> -->
            </section>

        
    
</div>
</div>

    
</div>

    </div>

    

</div>
<div class="experiencefragment aem-GridColumn aem-GridColumn--default--12">

    
    


    
    <div id="container-0e915c9203" class="cmp-container">
        


<div class="aem-Grid aem-Grid--12 aem-Grid--default--12 ">
    
    <div class="blankRTE-op aem-GridColumn aem-GridColumn--default--12">
<div class="scroll-mt-80 scroll-mt-mob-100 bfs-home-rewamp-frag" style="background-color: transparent;">
    <input type="hidden" data-value="/etc.clientlibs/hdfclifeinsurancecompany/components/home-optimization/blankRTE-op/clientlib" id="searchHidden">
    
    <div class="
  appendClass">
<div class=" single-knowledge-center-page wrapper    ">
    
<p>ARN - ED/04/24/10755</p>

</div>
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</div>

    
</div>

    </div>

    

</div>
<div class="emptymodal aem-GridColumn aem-GridColumn--default--12">

<div class="modal fade" id="otpJourneyModal" tabindex="-1" role="dialog" aria-hidden="true" data-wcmmode="DISABLED">
   <div class="modal-dialog br-10 medium-modal" role="document" style="overflow: unset;">
     <div class="modal-content" style="border-radius: 10px;">
       <div class="modal-body">
        <img class="closeIcon" src="/content/dam/hdfclifeinsurancecompany/icons/calculate-close-icon.svg" alt="close-icon">
        




    
    
    <div class="banner-form-otp-v2"><!-- <sly data-sly-use.clientlib="/libs/granite/sightly/templates/clientlib.html">
   <sly data-sly-call="" />
</sly> -->
<div class="form-holder">
   <div class="form-holder1">
      <h4>get a free quote</h4>
      
      <form data-id="litePageSubmit" autocomplete="off" method="post">
         <div class="row">
            <div class="col-sm-6">
               <div class="form-group">
                  <label>Are you an NRI?</label>
                  <div class="label-holder nri">
                     <input type="radio" data-id="nriyes" id="nriyesotpJourneyModal" value="Y" name="nriotpJourneyModal">
                     <label for="nriyesotpJourneyModal" data-id="nriYesRadio">
                        <span class="nriyes"></span>
                        <span class="mob-off">Yes</span>
                        <span class="mob-on">Yes</span>
                     </label>
                     <input type="radio" data-id="nriNo" id="nrinootpJourneyModal" value="N" name="nriotpJourneyModal" checked="">
                     <label for="nrinootpJourneyModal" data-id="nriNoRadio">
                        <span class="nrino"></span>
                        <span class="mob-off">No</span>
                        <span class="mob-on">No</span>
                     </label>
                  </div>
         
               </div>
            </div>
            <div class="col-sm-6">
               <div class="form-group">
                  <label for="name">Enter Full Name</label>
                  <input type="text" class="form-control" placeholder="Enter Full Name" data-id="firstName" name="firstName" onkeypress="return (((event.keyCode >= 65 &amp;&amp; event.keyCode <= 122) || event.keyCode == 39 || event.keyCode <= 32) || ((event.which >= 65 &amp;&amp; event.which <= 122) || event.which == 39 || event.which <= 32))" data-validation="newfirstname">
                  <input type="hidden" name="productCode" data-id="productCode">
                  <input type="hidden" name="bannerduplicatetbt">
                  <span class="error-txt"></span>
               </div>
            </div>
         </div>
         
         <div class="row">
            
            <div class="col-sm-6">
               <div class="form-group">
                  <label for="dateBirth">Date of Birth</label>
                  <input type="text" class="form-control date hasDatepicker" name="dateBirth" placeholder="DD/MM/YYYY" value="" id="dateBirth" readonly="" maxlength="11">
                  <input type="hidden" name="productCode" id="bannerAgeValidation">
                  <span class="error-txt"></span>
               </div>
            </div>
            <div class="col-sm-6">
               <div class="inputGroup form-group">
                  <label>Mobile Number</label>
                  <div class="flex">
                     <input type="text" data-id="countryCode" placeholder="" name="mobile_country_code" class="form-control isd" maxlength="4" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'" data-validation="countrycode" value="91" disabled="disabled">
                     <input type="text" data-id="phone" placeholder="Enter Mobile number" class="form-control international-number" name="phone" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'" data-validation="mobileNo" maxlength="10" data-blockspecificnumbers="true">
                     <input type="text" data-id="isd-phone" placeholder="Enter Mobile number" class="form-control international-number dsp-n" name="phone" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'" min="1" max="10" data-validation="internationalNumber" maxlength="10" data-blockspecificnumbers="true">   
                  </div>
                  <span class="error-txt1"></span>
                  <span class="error-txt"></span>
               </div>
               <!-- <div class="form-group">
                  <label for="number">Mobile Number</label>
                  <div class="code">
                     <input type="text" inputmode="numeric" pattern="\d[0-9]*"
                        placeholder="Enter Mobile number" class="form-control" name="phone" id="phone"
                        onkeypress="return event.charCode >= 48 && event.charCode <= 57" data-validation="mobileNo"
                        maxlength="10" autocomplete="off">
                  </div>
                  <span class="error-txt"></span>
               </div> -->
               <!-- <div class="form-group">
                  <label for="email"> Email Id</label>
                  <input type="email" class="form-control" placeholder=Enter email ID id="email" data-validation="emailaddress" name="emailAddress" autocomplete="off">
                  <span class="error-txt"></span>
               </div> -->
            </div>
         </div>

         <div class="row">
            <div class="col-sm-12">
               <div class="checkbox-wrapper chk-break cmpcheck"> <input type="checkbox" data-id="agree-checkbox" id="agree-checkboxotpJourneyModal" name="ndnc_flag" checked="" class="chkdes">
                  <label for="agree-checkboxotpJourneyModal"></label><span class="checktxt"><p>I authorize HDFC Life and its representatives to contact me through Call, Email, SMS or WhatsApp. This consent overrides my registration under DNC / NDNC (this would mean we would contact you even if you are registered on any Do Not Disturb list).</p>
</span>
                  <span class="agree-checkbox-error-txt error-txt dsp-n">Please agree to the disclaimer before continuing ahead</span>
               </div>
            </div>
         </div>
         <div class="row">
            <div class="col-sm-12 text-center">
               <div class="btn-bottom">   
                  <input type="hidden" id="lemniskEventNameBannerFormOtpV2">                         
                  <button type="submit" data-id="sendOtp" class="btn btnred schedule-btn feedback-form-data-layer"> PROCEED </button>
               </div>
               
            </div>
         </div>
      </form>
   </div>
   <div class="otp-screen-container dsp-n">
      <form class="form-wrapper">
         <h5 class="otp-head-title">
            <p>OTP authentication will help us confirm your identity and secure your application</p>

         </h5>
      
         <div class="number-email-wrapper">
            <div class="number-wrapper">
               <p class="mobile-Number">
                  Your Mobile Number
               </p>
               <p data-id="asteriskPhone" class="inside-content">
                  +91 9989888811
               </p>
            </div>
            <!-- <div class="mail-wrapper">
               <p class="mobile-Number">
                  Your Email ID
               </p>
               <p id="asteriskEmail" class="inside-content">
                  [email protected]
               </p>
            </div> -->
      
         </div>
         <div class="error-msg-main-wrapper">
            <div data-id="successMsg" class="error-msg-green error-msg">
               <img class="" src="/content/dam/hdfclifeinsurancecompany/icons/check.svg" alt="green-check">
               <p data-id="otpSentMsg" class="error-green">
                  OTP sent on your registered mobile number
               </p>
               <p data-id="redirectionMsg" class="error-green dsp-n">
                  OTP verified. You are being directed to a page with the plan options customized as per the details shared by you.
               </p>
            </div>
            <div data-id="failureMsg" class="error-msg-red error-msg dsp-n">
               <img class="" src="/content/dam/hdfclifeinsurancecompany/icons/cross.svg" alt="red-check">
               <p data-id="invalidOtpMsg" class="error-red">
                  Invalid OTP entered. Please try again.
               </p>
               <p data-id="incompleteOtpMsg" class="error-red dsp-n">
                  Please enter complete OTP
               </p>
               <p data-id="tryLaterMsg" class="error-red dsp-n">
                  You have entered incorrect OTP more than 5 times. Please try again after 12:44 AM
               </p>
            </div>
         </div>
         <div data-id="mainForm" class="mainform relative">
            <div class="otp-input">
               <input type="text" maxlength="1" id="digit2" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
               <input type="text" maxlength="1" id="digit1" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
               <input type="text" maxlength="1" id="digit3" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
               <input type="text" maxlength="1" id="digit4" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
               <input type="text" maxlength="1" id="digit5" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
               <input type="text" maxlength="1" id="digit6" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
      
            </div>
            <div class="otpoption">
               <p class="receive-otp">Didn't receive OTP? <span data-id="resendOtp" class="resend-grey">Resend OTP</span></p>
            </div>
            <div class="btn-main-wrapper">
               <button type="button" id="backBtn" class="btn-back">Back</button>
               <!--  datalayer-lemnisk  -->
               <button type="submit" data-id="verifyOtp" class="btn-verify">Verify</button>
            </div>
            <div data-id="otpOverlay" class="overlay absolute dsp-n">

            </div>
         </div>
         <div data-id="successImg" class="success-img dsp-n">
            <img src="/content/dam/hdfclifeinsurancecompany/icons/verified_otp.svg" alt="">
         </div>
      </form>
   </div>
   <!-- datalayer-lemnisk -->
   <input type="hidden" id="lemniskTrackingPagesListBannerFormOTPV2">
   <!-- <div style="visibility: visible;" class="rdmore">
      <div class="rdmore-inner">
         <button class="draw"></button>
         <p class="rdmore-loader-text">Please wait... Data is Loading</p>
         <div class="cardcontainer">
            <sly data-sly-test.imgPath="/content/dam/hdfclifeinsurancecompany/hdfclogo.png" />
            <sly
               data-sly-use.imgModel="com.hdfclifeinsurancecompany.core.models.ImageDetailsModel" />
            <sly data-sly-list.child="">
               <img class="galleryImg" data-src="/content/dam/hdfclifeinsurancecompany/hdfclogo.png"
                  alt="" title="" width="50" height="50" />
            </sly>
         </div>
      </div>
   </div> -->
</div>
<!-- <sly data-sly-use.clientlib="/libs/granite/sightly/templates/clientlib.html">
   <sly data-sly-call="" />
</sly> --><div class="daterangepicker ltr auto-apply single opensright"><div class="ranges"></div><div class="drp-calendar left single" style="display: block;"><div class="calendar-table"></div><div class="calendar-time" style="display: none;"></div></div><div class="drp-calendar right" style="display: none;"><div class="calendar-table"></div><div class="calendar-time" style="display: none;"></div></div><div class="drp-buttons"><span class="drp-selected"></span><button class="cancelBtn btn btn-sm btn-default" type="button">Cancel</button><button class="applyBtn btn btn-sm btn-primary" disabled="disabled" type="button">Apply</button> </div></div></div>



       </div>
     </div>
   </div>
 </div></div>
<div class="experiencefragment aem-GridColumn aem-GridColumn--default--12">

    
    


    
    <div id="container-a51a515d30" class="cmp-container">
        


<div class="aem-Grid aem-Grid--12 aem-Grid--default--12 ">
    
    <div class="emptymodal aem-GridColumn aem-GridColumn--default--12">

<div class="modal fade" id="otpJourneyModal" tabindex="-1" role="dialog" aria-hidden="true" data-wcmmode="DISABLED">
   <div class="modal-dialog br-10 medium-modal" role="document" style="overflow: unset;">
     <div class="modal-content" style="border-radius: 10px;">
       <div class="modal-body">
        <img class="closeIcon" src="/content/dam/hdfclifeinsurancecompany/icons/calculate-close-icon.svg" alt="close-icon">
        




    
    
    <div class="banner-form-otp-v2"><!-- <sly data-sly-use.clientlib="/libs/granite/sightly/templates/clientlib.html">
   <sly data-sly-call="" />
</sly> -->
<div class="form-holder">
   <div class="form-holder1">
      <h4>get a free quote</h4>
      
      <form data-id="litePageSubmit" autocomplete="off" method="post">
         <div class="row">
            <div class="col-sm-6">
               <div class="form-group">
                  <label>Are you an NRI?</label>
                  <div class="label-holder nri">
                     <input type="radio" data-id="nriyes" id="nriyesotpJourneyModal" value="Y" name="nriotpJourneyModal">
                     <label for="nriyesotpJourneyModal" data-id="nriYesRadio">
                        <span class="nriyes"></span>
                        <span class="mob-off">Yes</span>
                        <span class="mob-on">Yes</span>
                     </label>
                     <input type="radio" data-id="nriNo" id="nrinootpJourneyModal" value="N" name="nriotpJourneyModal" checked="">
                     <label for="nrinootpJourneyModal" data-id="nriNoRadio">
                        <span class="nrino"></span>
                        <span class="mob-off">No</span>
                        <span class="mob-on">No</span>
                     </label>
                  </div>
         
               </div>
            </div>
            <div class="col-sm-6">
               <div class="form-group">
                  <label for="name">Enter Full Name</label>
                  <input type="text" class="form-control" placeholder="Enter Full Name" data-id="firstName" name="firstName" onkeypress="return (((event.keyCode >= 65 &amp;&amp; event.keyCode <= 122) || event.keyCode == 39 || event.keyCode <= 32) || ((event.which >= 65 &amp;&amp; event.which <= 122) || event.which == 39 || event.which <= 32))" data-validation="newfirstname">
                  <input type="hidden" name="productCode" data-id="productCode">
                  <input type="hidden" name="bannerduplicatetbt">
                  <span class="error-txt"></span>
               </div>
            </div>
         </div>
         
         <div class="row">
            
            <div class="col-sm-6">
               <div class="form-group">
                  <label for="dateBirth">Date of Birth</label>
                  <input type="text" class="form-control date hasDatepicker" name="dateBirth" placeholder="DD/MM/YYYY" value="" id="dateBirth" readonly="" maxlength="11">
                  <input type="hidden" name="productCode" id="bannerAgeValidation">
                  <span class="error-txt"></span>
               </div>
            </div>
            <div class="col-sm-6">
               <div class="inputGroup form-group">
                  <label>Mobile Number</label>
                  <div class="flex">
                     <input type="text" data-id="countryCode" placeholder="" name="mobile_country_code" class="form-control isd" maxlength="4" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'" data-validation="countrycode" value="91" disabled="disabled">
                     <input type="text" data-id="phone" placeholder="Enter Mobile number" class="form-control international-number" name="phone" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'" data-validation="mobileNo" maxlength="10" data-blockspecificnumbers="true">
                     <input type="text" data-id="isd-phone" placeholder="Enter Mobile number" class="form-control international-number dsp-n" name="phone" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'" min="1" max="10" data-validation="internationalNumber" maxlength="10" data-blockspecificnumbers="true">   
                  </div>
                  <span class="error-txt1"></span>
                  <span class="error-txt"></span>
               </div>
               <!-- <div class="form-group">
                  <label for="number">Mobile Number</label>
                  <div class="code">
                     <input type="text" inputmode="numeric" pattern="\d[0-9]*"
                        placeholder="Enter Mobile number" class="form-control" name="phone" id="phone"
                        onkeypress="return event.charCode >= 48 && event.charCode <= 57" data-validation="mobileNo"
                        maxlength="10" autocomplete="off">
                  </div>
                  <span class="error-txt"></span>
               </div> -->
               <!-- <div class="form-group">
                  <label for="email"> Email Id</label>
                  <input type="email" class="form-control" placeholder=Enter email ID id="email" data-validation="emailaddress" name="emailAddress" autocomplete="off">
                  <span class="error-txt"></span>
               </div> -->
            </div>
         </div>

         <div class="row">
            <div class="col-sm-12">
               <div class="checkbox-wrapper chk-break cmpcheck"> <input type="checkbox" data-id="agree-checkbox" id="agree-checkboxotpJourneyModal" name="ndnc_flag" checked="" class="chkdes">
                  <label for="agree-checkboxotpJourneyModal"></label><span class="checktxt"><p>I authorize HDFC Life and its representatives to contact me through Call, Email, SMS or WhatsApp. This consent overrides my registration under DNC / NDNC (this would mean we would contact you even if you are registered on any Do Not Disturb list).</p>
</span>
                  <span class="agree-checkbox-error-txt error-txt dsp-n">Please agree to the disclaimer before continuing ahead</span>
               </div>
            </div>
         </div>
         <div class="row">
            <div class="col-sm-12 text-center">
               <div class="btn-bottom">   
                  <input type="hidden" id="lemniskEventNameBannerFormOtpV2" value="leadSubmitSP">                         
                  <button data-eventname="leadSubmitSP" type="submit" data-id="sendOtp" class="btn btnred schedule-btn feedback-form-data-layer"> PROCEED </button>
               </div>
               
            </div>
         </div>
      </form>
   </div>
   <div class="otp-screen-container dsp-n">
      <form class="form-wrapper">
         <h5 class="otp-head-title">
            <p>OTP authentication will help us confirm your identity and secure your application</p>

         </h5>
      
         <div class="number-email-wrapper">
            <div class="number-wrapper">
               <p class="mobile-Number">
                  Your Mobile Number
               </p>
               <p data-id="asteriskPhone" class="inside-content">
                  +91 9989888811
               </p>
            </div>
            <!-- <div class="mail-wrapper">
               <p class="mobile-Number">
                  Your Email ID
               </p>
               <p id="asteriskEmail" class="inside-content">
                  [email protected]
               </p>
            </div> -->
      
         </div>
         <div class="error-msg-main-wrapper">
            <div data-id="successMsg" class="error-msg-green error-msg">
               <img class="" src="/content/dam/hdfclifeinsurancecompany/icons/check.svg" alt="green-check">
               <p data-id="otpSentMsg" class="error-green">
                  OTP sent on your registered mobile number
               </p>
               <p data-id="redirectionMsg" class="error-green dsp-n">
                  OTP verified. You are being directed to a page with the plan options customized as per the details shared by you.
               </p>
            </div>
            <div data-id="failureMsg" class="error-msg-red error-msg dsp-n">
               <img class="" src="/content/dam/hdfclifeinsurancecompany/icons/cross.svg" alt="red-check">
               <p data-id="invalidOtpMsg" class="error-red">
                  Invalid OTP entered. Please try again.
               </p>
               <p data-id="incompleteOtpMsg" class="error-red dsp-n">
                  Please enter complete OTP
               </p>
               <p data-id="tryLaterMsg" class="error-red dsp-n">
                  You have entered incorrect OTP more than 5 times. Please try again after 12:44 AM
               </p>
            </div>
         </div>
         <div data-id="mainForm" class="mainform relative">
            <div class="otp-input">
               <input type="text" maxlength="1" id="digit2" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
               <input type="text" maxlength="1" id="digit1" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
               <input type="text" maxlength="1" id="digit3" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
               <input type="text" maxlength="1" id="digit4" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
               <input type="text" maxlength="1" id="digit5" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
               <input type="text" maxlength="1" id="digit6" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'">
      
            </div>
            <div class="otpoption">
               <p class="receive-otp">Didn't receive OTP? <span data-id="resendOtp" class="resend-grey">Resend OTP</span></p>
            </div>
            <div class="btn-main-wrapper">
               <button type="button" id="backBtn" class="btn-back">Back</button>
               <!--  datalayer-lemnisk  -->
               <button type="submit" data-id="verifyOtp" data-eventname="otpVerifiedSP" class="btn-verify">Verify</button>
            </div>
            <div data-id="otpOverlay" class="overlay absolute dsp-n">

            </div>
         </div>
         <div data-id="successImg" class="success-img dsp-n">
            <img src="/content/dam/hdfclifeinsurancecompany/icons/verified_otp.svg" alt="">
         </div>
      </form>
   </div>
   <!-- datalayer-lemnisk -->
   <input type="hidden" id="lemniskTrackingPagesListBannerFormOTPV2" value="sanchay-plus">
   <!-- <div style="visibility: visible;" class="rdmore">
      <div class="rdmore-inner">
         <button class="draw"></button>
         <p class="rdmore-loader-text">Please wait... Data is Loading</p>
         <div class="cardcontainer">
            <sly data-sly-test.imgPath="/content/dam/hdfclifeinsurancecompany/hdfclogo.png" />
            <sly
               data-sly-use.imgModel="com.hdfclifeinsurancecompany.core.models.ImageDetailsModel" />
            <sly data-sly-list.child="">
               <img class="galleryImg" data-src="/content/dam/hdfclifeinsurancecompany/hdfclogo.png"
                  alt="" title="" width="50" height="50" />
            </sly>
         </div>
      </div>
   </div> -->
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<div class="modal fade" id="bannerFormOTPHeader" tabindex="-1" role="dialog" aria-hidden="true" data-wcmmode="DISABLED">
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                     </label>
                     <input type="radio" data-id="nriNo" id="nrino1" value="N" name="nri1" checked="">
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                     <input type="text" data-id="phone" placeholder="Enter Mobile number" class="form-control international-number" name="phone" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'" data-validation="mobileNo" maxlength="10" data-blockspecificnumbers="true">
                     <input type="text" data-id="isd-phone" placeholder="Enter Mobile number" class="form-control international-number dsp-n" name="phone" inputmode="numeric" pattern="\d[0-9]*" onkeypress="return (event.charCode >= 48 &amp;&amp; event.charCode <= 57) || event.key === 'Enter'" min="1" max="10" data-validation="internationalNumber" maxlength="10" data-blockspecificnumbers="true">   
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               </p>
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                  OTP verified. You are being directed to a page with the plan options customized as per the details shared by you.
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                  Please enter complete OTP
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                  You have entered incorrect OTP more than 5 times. Please try again after 12:44 AM
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               <!--  datalayer-lemnisk  -->
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            <div data-id="otpOverlay" class="overlay absolute dsp-n">

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   <!-- datalayer-lemnisk -->
   <input type="hidden" id="lemniskTrackingPagesListBannerFormOTPV2">
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        <p></p><p><u></u><b></b>To read the complete definitions as stated by IRDAI and displayed across this website, you can refer the&nbsp;<a href="https://www.hdfclife.com/policy-documents" target="_blank">specimen policy documents</a>.&nbsp;For product details you can refer the&nbsp;<a href="https://www.hdfclife.com/brochures" target="_blank">product brochures</a><br>
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        <div><p><span style="font-weight: normal;">As per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My Account/ <a href="mailto:[email protected]">[email protected]</a>/ <a href="tel:02268446530">022-68446530</a>&nbsp;(Call charges apply)<br>
 </span><span>/ HDFC Life branch. Ignore if already submitted.&nbsp;&nbsp;</span></p>
<p><b>&nbsp;</b></p>
<p><b>HDFC Life Insurance Company Limited</b> <b>(“HDFC Life”).&nbsp;</b>CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.</p>
</div>
        <!-- <h5></h5> -->
        <b></b>
        <p></p><p><b>Registered Office:</b> Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666.</p>
<p>The name /letter 'HDFC' in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) belongs to HDFC Bank Limited and is used by HDFC Life under licence from HDFC Bank Limited.</p>
<p>For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.</p>

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    <section class="wrapper mobileFooterInfo">
        <div><p><span style="font-weight: normal;">As per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My Account/ <a href="mailto:[email protected]">[email protected]</a>/ <a href="tel:02268446530">022-68446530</a>&nbsp;(Call charges apply)<br>
 </span><span>/ HDFC Life branch. Ignore if already submitted.&nbsp;&nbsp;</span></p>
<p><b>&nbsp;</b></p>
<p><b>HDFC Life Insurance Company Limited</b> <b>(“HDFC Life”).&nbsp;</b>CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.</p>
</div>
        <h4><b></b>
        <p></p><p><b>Registered Office:</b> Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666.</p>
<p>The name /letter 'HDFC' in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) belongs to HDFC Bank Limited and is used by HDFC Life under licence from HDFC Bank Limited.</p>
<p>For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.</p>
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                                <a href="https://www.hdfclifere.com/" rel="nofollow" target="_blank">HDFC International Life and Re Company Limited</a>
                            
                                <a href="http://www.credila.com/" rel="nofollow" target="_blank">Credila</a>
                            
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                                <a href="https://www.klarifylife.com/" rel="nofollow" target="_blank">KlarifyLife</a>
                            
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                                <a href="https://www.hdfclife.com/customer-service/claims/unclaimed-policyholder-payment-dues-amount-disclosure" target="_blank">Unclaimed Policy Details</a>
                            
                                <a href="https://irdai.gov.in/" target="_blank">IRDAI</a>
                            
                                <a href="https://www.lifeinscouncil.org/consumers/ContactInformation" target="_blank">Insurance Ombudsman</a>
                            
                                <a href="https://policyholder.gov.in/" target="_blank">IRDAI Customer Education Website</a>
                            
                                <a href="https://bimabharosa.irdai.gov.in/Home/Home" target="_blank">Bima Bharosa</a>
                            
                        

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                                <a href="https://www.lifeinscouncil.org/code/Default.aspx" target="_blank">Life Insurance Council</a>
                            
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                                <a href="https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/about-us/pdf/UW-Note-Transgendered-person.pdf" target="_blank">UW approach on Transgendered person</a>
                            
                                <a href="https://www.hdfclife.com/insurance-knowledge-centre/glossary" target="_blank">Glossary</a>
                            
                                <a href="https://www.hdfclife.com/life-insurance-solutions" target="_blank">Life Insurance Solutions</a>
                            
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                    <p class="tvc_plan_disclaimers_para" style="font-size: 12px;position: absolute;font-weight: bold;color: #233253;top: 15px;left: 13px;">
                        Disclaimers</p>
                    <ul class="tvc_homepage_plan_disclaimers_ul" style="font-size: 12px !important;padding: 37px 15px 15px 15px;">
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">1. Online Premium for Life Option, Male Life
                            Assured, Non-Smoker, 20 years of age, Policy term of 25 years, Regular pay, Annual frequency,
                            exclusive of taxes and levies as applicable. (Annualized Premium of 622/30=20.7).</li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">2. Calculation for 18 yr old Male, PPT 15 years,
                            premium amount without GST for HDFC Life Click 2 Achieve Early Income Plan
                        </li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">3. Premium for HDFC Life Click 2 Retire plan. It is
                            subject to change depending on final plan option and product selected</li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">4. Premium for HDFC Life Sanchay Par Advantage. It is subject to change depending on the final plan option and product selected. (Monthly premium of 2188/30=73)
                        </li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">5. Premium for HDFC Life Sanchay Plus. It is subject to change depending on the final plan option and product selected. (Monthly premium of 2500/30=84)</li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">6. The minimum premium amount is set at ₹1000,
                            equivalent to just ₹34 per day
                        </li>
                        <li class="tvc_plan_disclaimer" style="font-size: 12px;margin-top: 5px;">7. Amount of guaranteed income will depend upon premiums paid subject to applicable terms and conditions.
                        </li>
                    </ul>
                </div>
            </div>
            <script src="/etc.clientlibs/hdfclifeinsurancecompany/components/common/fullWidthImageBanner/clientlib.min.js"></script>



        
    


<!-- End of Page level clientlibs -->


    

    

    
    

            

        
    <script>(function(){function c(){var b=a.contentDocument||a.contentWindow.document;if(b){var d=b.createElement('script');d.innerHTML="window.__CF$cv$params={r:'8cef9ab5e8da384f',t:'MTcyODMyMjA3Mi4wMDAwMDA='};var a=document.createElement('script');a.nonce='';a.src='/cdn-cgi/challenge-platform/scripts/jsd/main.js';document.getElementsByTagName('head')[0].appendChild(a);";b.getElementsByTagName('head')[0].appendChild(d)}}if(document.body){var a=document.createElement('iframe');a.height=1;a.width=1;a.style.position='absolute';a.style.top=0;a.style.left=0;a.style.border='none';a.style.visibility='hidden';document.body.appendChild(a);if('loading'!==document.readyState)c();else if(window.addEventListener)document.addEventListener('DOMContentLoaded',c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);'loading'!==document.readyState&&(document.onreadystatechange=e,c())}}}})();</script><iframe height="1" width="1" style="position: absolute; top: 0px; left: 0px; border: none; visibility: hidden;"></iframe><script defer="" src="https://static.cloudflareinsights.com/beacon.min.js/vcd15cbe7772f49c399c6a5babf22c1241717689176015" integrity="sha512-ZpsOmlRQV6y907TI0dKBHq9Md29nnaEIPlkf84rnaERnq6zvWvPUqr2ft8M1aS28oN72PdrCzSjY4U6VaAw1EQ==" data-cf-beacon="{&quot;rayId&quot;:&quot;8cef9ab5e8da384f&quot;,&quot;version&quot;:&quot;2024.8.0&quot;,&quot;serverTiming&quot;:{&quot;name&quot;:{&quot;cfExtPri&quot;:true,&quot;cfL4&quot;:true}},&quot;token&quot;:&quot;aeae52638c614e1c9c922ff5597f7048&quot;,&quot;b&quot;:1}" crossorigin="anonymous"></script><script type="text/javascript" class="notify-visitors-element">(function (){if ((navigator.userAgent.includes('Chrome') || window.navigator.userAgent.includes('Edg/'))) {
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  const recognition = new SpeechRecognition() || false;

  if (SpeechRecognition && recognition) {
    insertOverlay();
    insertMicDesktop();
    insertMicResultForm();
    insertMicMobile();

    const micOverlay = document.getElementById('nvMicOverlay');
    const micOverlayText = document.getElementById('nvOverlayText');

    let content = '';

    micOverlay.addEventListener('click', function () {
      recognition.stop();
      recognition.abort();
      micOverlay.style.display = 'none';
      if (micOverlayText) {
        micOverlayText.innerHTML = 'Listening...';
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    recognition.continuous = true;
    recognition.interimResults = true;

    recognition.onstart = function () {
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      if (micOverlayText) {
        micOverlayText.innerHTML = 'Listening...';
        setTimeout(() => {
          micOverlayText.innerHTML = '';
        }, 1000);
      }
    };

    recognition.onspeechend = function (e) {
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      const searchInputTag = document.querySelector('#productSearch');

      recognition.stop();

      if (searchResultInputTag) {
        const searchBtn = document.querySelector('#product-search + button.search-icon');
        searchResultInputTag.value = content;
        content = '';

        if (searchBtn) searchBtn.click();
        micOverlay.style.display = 'none';
      } else if (searchInputTag) {
        searchInputTag.value = content;
        content = '';
        const searchIconBtn = document.querySelector('#searchIconBtn');

        if (searchIconBtn) searchIconBtn.click();
        micOverlay.style.display = 'none';
      }
    };

    recognition.onerror = function (event) {
      console.log(event.error);
      recognition.stop();
      if (micOverlayText) micOverlayText.innerHTML = 'Sorry, something went wrong!';
      setTimeout(() => {
        micOverlay.style.display = 'none';
      }, 1000);
    };

    recognition.onresult = function (event) {
      content = '';
      for (let i = event.resultIndex; i < event.results.length; ++i) {
        if (event.results[i].isFinal) {
          content += event.results[i][0].transcript;
          recognition.stop();
        } else {
          content += event.results[i][0].transcript;
        }
      }
      if (micOverlayText) {
        micOverlayText.innerHTML = content;
      }
    };

    function insertOverlay() {
      const myOverlayDiv = document.createElement('div');
      myOverlayDiv.id = 'nvVoiceSearchOverlay';

      myOverlayDiv.innerHTML = `
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    `;

      const isMobile = /Mobile/i.test(navigator.userAgent);
      document.body.appendChild(myOverlayDiv);
    }

    function insertMicDesktop() {
      const desktopSearchBtn = document.querySelector('.siteSearchInput > .searchBtnIcon');

      const tryMeMic = document.createElement('div');
      tryMeMic.id = 'nvTryMeMic';
      tryMeMic.style = 'position: absolute;top: 0px;right: 15px;display: flex;flex-direction: column;align-items: center;';
      tryMeMic.innerHTML = `
    <span style="display: block;color: #e1121b;font-weight: bold;font-size: 10px;font-style: italic;">Try Me!</span>
    <button type="button" class="voice-btn" id="nv-voice-btn-1" title="Search by voice" style="background: url(data:image/svg+xml;base64,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) no-repeat center;bottom: 0;cursor: pointer;width: 20px;border:0px;height: 20px;"><span class="microphone-icon"></span></button>
    `;

      if (desktopSearchBtn) {
        desktopSearchBtn.addEventListener('click', function () {
          const desktopSearchInput = document.querySelector('.siteSearchInput  .searchInput');
          const isMicPresent = document.getElementById('nvTryMeMic');

          if (desktopSearchInput && !isMicPresent) {
            desktopSearchInput.style.position = 'relative';
            desktopSearchInput.appendChild(tryMeMic);

            const tryMeMicEl = document.querySelector('#nvTryMeMic');

            tryMeMicEl.addEventListener('click', function () {
              recognition.start();
            });
          }
        });
      }
    }

    function insertMicMobile() {
      const searchInputWrapper = document.querySelector('.mobHeaderSearchWrp > .siteSearchForm > .searchInput');

      const logoOnlyMic = document.createElement('div');
      logoOnlyMic.style = 'position: absolute; right: 10px; top: 0; height: 20px;';
      logoOnlyMic.innerHTML = `
  <button type="button" class="voice-btn" id="nv-voice-btn-3"  title="Search by voice" style="background: url(data:image/svg+xml;base64,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) no-repeat center;  cursor: pointer; height: 20px; width: 20px;border:0px;"><span class="microphone-icon"></span></button>
    `;

      if (searchInputWrapper) {
        searchInputWrapper.appendChild(logoOnlyMic);
        const nvVoiceBtnMob = document.querySelector('#nv-voice-btn-3');

        if (nvVoiceBtnMob) {
          nvVoiceBtnMob.addEventListener('click', function () {
            recognition.start();
          });
        }
      }
    }

    function insertMicResultForm() {
      const resultPageSearchFrom = document.querySelector('.search-wrap > .product-search-form');

      const logoOnlyMic = document.createElement('div');
      logoOnlyMic.innerHTML = `
    <button type="button" class="voice-btn" id="nv-voice-btn-2"  title="Search by voice" style="background: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyNCIgaGVpZ2h0PSIyNCI+PHBhdGggZmlsbD0ibm9uZSIgZD0iTTAgMGgyNHYyNEgweiIvPjxwYXRoIGZpbGw9IiM0Mjg1RjQiIGQ9Ik0xMiAxNWMxLjY2IDAgMi45OS0xLjM0IDIuOTktM0wxNSA1YzAtMS42Ni0xLjM0LTMtMy0zUzkgMy4zNCA5IDV2N2MwIDEuNjYgMS4zNCAzIDMgM3oiLz48cGF0aCBmaWxsPSIjMzRBODUzIiBkPSJNMTEgMTguOTJoMlYyMmgtMnoiLz48cGF0aCBmaWxsPSIjRjRCNDAwIiBkPSJNNyAxMkg1YzAgMS45My43OCAzLjY4IDIuMDUgNC45NWwxLjQxLTEuNDFDNy41NiAxNC42MyA3IDEzLjM4IDcgMTJ6Ii8+PHBhdGggZmlsbD0iI0VBNDMzNSIgZD0iTTEyIDE3Yy0xLjM4IDAtMi42My0uNTYtMy41NC0xLjQ3bC0xLjQxIDEuNDFBNi45OSA2Ljk5IDAgMCAwIDEyLjAxIDE5YzMuODcgMCA2Ljk4LTMuMTQgNi45OC03aC0yYzAgMi43Ni0yLjIzIDUtNC45OSA1eiIvPjwvc3ZnPg==) no-repeat center;  bottom: 0; cursor: pointer;  position: absolute; right: 120px; top: -5px; width: 20px;border:0px;"><span class="microphone-icon"></span></button>
      `;

      if (resultPageSearchFrom) {
        resultPageSearchFrom.appendChild(logoOnlyMic);
        const nvVoiceBtn = document.querySelector('#nv-voice-btn-2');

        if (nvVoiceBtn) {
          nvVoiceBtn.addEventListener('click', function () {
            recognition.start();
          });
        }
      }
    }
  } else {
    console.log('Your Browser does not support speech Recognition');
  }
}})()</script><div id="nvVoiceSearchOverlay">
      <style> .micBtn { border: none; padding: 0; border-radius: 100%; width: 120px; height: 120px; font-size: 4em; color: #fff; padding: 0; margin: 0; background: red; position: relative; z-index: 999; display: inline-block; line-height: 115px; text-align: center; white-space: nowrap; vertical-align: middle; -ms-touch-action: manipulation; touch-action: manipulation; cursor: pointer; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none; background-image: none; } .micBtn i { margin-top: 35px; } .pulse-ring { content: ""; width: 120px; height: 120px; background: #189BFF; border: 5px solid #189BFF; border-radius: 50%; position: absolute;  animation: pulsate infinite 1.5s; } @keyframes pulsate { 0% { -webkit-transform: scale(1, 1); opacity: 1; } 100% { -webkit-transform: scale(1.3, 1.3); opacity: 0; } } #nvMicOverlay { display: flex; align-items: center; justify-content: center; height: 100%; position: fixed; top: 0; left: 0; width: 100%; background-color: #fff; z-index: 999999999; } @media only screen and (max-width: 767px){ .nvOverlayText { font-size: 20px; text-align: center; width: 50%; margin-right: 23px; } } @media only screen and (min-width: 767px){ .nvOverlayText { font-size: 14px; text-align: center; margin-right: 100px; width: 500px; } } @media only screen and (max-width: 500px) { .overlay-mic-img { position: absolute;top: 50%;left: 50%;transform: translate(-50%, -50%); } #nvMicOverlay { flex-direction: column; gap: 20px; } } </style><div id="nvMicOverlay" style="display:none;"> <div class="nvOverlayText"> <p id="nvOverlayText"></p> </div> <div id="speech" class="micBtn"> <div class="pulse-ring"></div> <img class="overlay-mic-img" src="data:image/svg+xml;base64,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"> </div> </div>
    </div><div id="nv_search_overlay"><style> .micBtn { border: none; padding: 0; border-radius: 100%; width: 120px; height: 120px; font-size: 4em; color: #fff; padding: 0; margin: 0; background: red; position: relative; z-index: 999; display: inline-block; line-height: 115px; text-align: center; white-space: nowrap; vertical-align: middle; -ms-touch-action: manipulation; touch-action: manipulation; cursor: pointer; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none; background-image: none; } .micBtn i { margin-top: 35px; } .pulse-ring { content: ""; width: 120px; height: 120px; background: #189BFF; border: 5px solid #189BFF; border-radius: 50%; position: absolute;  animation: pulsate infinite 1.5s; } @keyframes pulsate { 0% { -webkit-transform: scale(1, 1); opacity: 1; } 100% { -webkit-transform: scale(1.3, 1.3); opacity: 0; } } #micOverlay { display: flex; align-items: center; justify-content: center; height: 100%; position: fixed; top: 0; left: 0; width: 100%; background-color: #fff; z-index: 99999; } @media only screen and (max-width: 767px){ .overlayText { font-size: 2.5em; width: 50%; margin-right: 23px; } } @media only screen and (min-width: 767px){ .overlayText { font-size: 2.5em; margin-right: 100px; width: 500px; } } </style><div class="container" id="micOverlay" style="display:none;"> <div class="overlayText"> <p id="overlayText"></p> </div> <div id="speech" class="micBtn"> <div class="pulse-ring"></div> <img src="data:image/svg+xml;base64,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"> </div> </div></div><script type="text/javascript" class="notify-visitors-element">(function (){var getFields = setInterval(findFields, 100);

function findFields() {
  
 var mobile_field = document.querySelector('.phone');
    if(mobile_field) {
        function getCookie(name) {
            var cookieArr = document.cookie.split(";");

            for(var i = 0; i < cookieArr.length; i++) {
                var cookiePair = cookieArr[i].split("=");

                if(name == cookiePair[0].trim()) {
                    return decodeURIComponent(cookiePair[1]);
                }
            }
            return null;
        }
        var all_val = JSON.parse(getCookie('name'));

   if(all_val && Object.keys(all_val).length>-1 )     {

        var getName = all_val['name'] ? all_val['name'] : "";
        var getMobile = all_val['mobile'] ? all_val['mobile'] : "";
        var getEmail = all_val['email'] ? all_val['email']:"";
        var getNri =all_val['nri'] ? all_val['nri'] : "";
        var getAuth = all_val['authorized'] ? all_val['authorized']:"";
}


        if(getName != null && getMobile != null && getEmail != null && getNri != null && getAuth != null ) {
            var values = getName.split(" ");
            var f_name = values[0];
            var l_name = values[1] ? getName.substr(getName.indexOf(' ') + 1) : '';

            var name_field = document.querySelector('.first_name');
            var lname_field = document.querySelector('.last_name');

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