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HDFC Life Pension Guaranteed Plan-Review (2023): Should you buy this plan?

by Holistic Leave a Comment | Filed Under: Insurance

Listen to this article


Living a comfortable lifestyle after retirement is everyone’s dream.

HDFC Life Pension Guaranteed Plan claims to offer a lifelong monthly income after your retirement.

But will the income be enough for you to lead a carefree retirement life?

Let’s discover here by analysing the HDFC Life Pension Guaranteed Plan.

Table of Content:

1.)What is HDFC Life Pension Guaranteed Plan?

2.)Features of HDFC Life Pension Guaranteed Plan

3.)Annuity Options of HDFC Life Pension Guaranteed Plan

4.)Benefits of HDFC Life Pension Guaranteed Plan

5.)Eligibility of HDFC Life Pension Guaranteed Plan

6.)Advantages of HDFC Life Pension Guaranteed Plan

7.)Disadvantages of HDFC Life Pension Guaranteed Plan

8.)IRR of HDFC Life Pension Guaranteed Plan

9.)How to cancel HDFC Life Pension Guaranteed Plan during the free look period?

10.)Final Verdict on HDFC Life Pension Guaranteed Plan

What is HDFC Life Pension Guaranteed Plan?

HDFC Life Pension Guaranteed Plan is a non-participating and non-linked annuity plan with a single premium option. It offers to provide an independent life after your retirement. It claims that by purchasing the single annuity plan, customers can get a regular income after their retirement.

Simply, the HDFC Life Pension Guaranteed Plan is a single premium annuity that offers a lifetime of guaranteed income.

Features of HDFC Life Pension Guaranteed Plan:

  • A vast range of annuity options to fulfil your needs.
  • Option to purchase the plan on an as single or joint life basis.
  • Option to receive an immediate annuity or deferred annuity.
  • Options to receive the annuity on a yearly, half-yearly, quarterly, and monthly basis.
  • Option for purchase Price Refund upon Death.
  • Options for banks/financial institutions to acquire instant annuities instead of annuity payments for their reverse mortgage commitments to homeowners.
  • Option to increase your Annuity Payouts with the Top Up option.

Annuity Options of HDFC Life Pension Guaranteed Plan:

There are three annuity options available in HDFC Life Pension Guaranteed Plan.

  • Immediate Life Annuity
  • Immediate Life Annuity with Return of Purchase Price
  • Deferred Life Annuity with Return of Purchase Price

The annuity option cannot be changed once the policyholder chooses the plan.

There is a “Single Life” and “Joint Life” option available in each annuity plan.

a.) Immediate Life Annuity:

Single Life:

  • The annuity will be paid in arrears according to the payment frequency you select for as long as the annuitant is alive. 
  • If the annuitant dies, the annuity payments will end and no more benefits will be paid.

Joint Life:

  • The annuity will be paid in arrears according to the payment frequency you select for as long as either the primary or secondary annuitant is alive.
  • When both annuitants die, the annuity payments stop and no further benefits are due.

b.) Immediate Life Annuity with Return of Purchase Price:

Single Life:

  • The annuity will be paid in arrears according to the payment frequency you select for as long as the annuitant lives.
  • The death benefit is paid as a lump sum to the nominee at the death of the annuitant, and no additional payment is payable. The insurance will be terminated and all other benefits will end upon payment of the death benefit. 

Joint Life:

  • The annuity will be paid in arrears according to the payment frequency you select for as long as either the primary or secondary annuitant is alive.
  • After the two annuitants’ deaths, the death benefit is paid as a lump sum amount to the nominee. The insurance will end and all other benefits will stop upon payment of the death benefit.

c.) Deferred Life Annuity with Return of Purchase Price:

Single Life:

  • The annuity will be paid in arrears following the deferral period, according to the payment frequency you select, for as long as the annuitant is alive.
  • When the annuitant dies, the death benefit is paid as a lump sum to the nominee, and no further payments are made. The insurance will end and all other benefits will stop upon payment of the death benefit.

Joint Life:

  • The annuity will be paid in arrears following the deferral period, according to the payment frequency you select, for as long as either the primary or secondary annuitant is alive.
  • After the two annuitants’ deaths, the death benefit is paid as a lump sum amount to the nominee. The insurance will end and all other benefits will stop upon payment of the death benefit.

Benefits of HDFC Life Pension Guaranteed Plan:

Annuity Payout:

A single premium is paid in advance at the beginning of a contract. Your yearly frequency annuity will be computed as follows:

Annuity Payout = Applicable Annuity Rate * Purchase Price

Here the tax is applicable to the “purchase price”.

Your annuity will be paid in arrears at the end of the specified annuity payment frequency from the day the plan was purchased. This means that

  • For yearly frequency, the payout will occur after one year from the date of purchase.
  • The payout will occur after 6 months from the date of purchase in the half-yearly frequency.
  • If the frequency is on a quarterly basis then the payout will occur after the 3 months from the date of purchase.
  • For monthly frequency, the payout will carry out after a month from the date of purchase.

Annuity instalments for frequencies other than annual shall be as specified below:

Frequency   Annuity Instalment (per frequency) 

Half-yearly

98% of Yearly Annuity x 1/2
Quarterly  97% of Yearly Annuity x 1/4 
Monthly 96% of Yearly Annuity x 1/12

 Top-up option:

  • The age considered for annuity rates is the age at the time of top-up. The additional annuity amount due is determined by the top-up amount as well as the annuity rates in effect at the time of top-up.
  • The age considered for annuity rates is the age at the time of top-up.

Death Benefit:

a.) Immediate Life Annuity: None.

b.) Immediate Life Annuity with Return of Purchasing Price: 100% of the Purchase Price of the annuity.

c.) Deferred Life Annuity with Return of Purchasing Price: Higher of

  • Purchase Price + Guaranteed Additions (GA) – Total Annuity Pay-outs till the date of death 
  • 110 % of Purchase Price Where GA = Purchase Price * Annuity Rate/12 and are accrued at the end of every policy month during the deferment period.

At the end of the deferral term, GA ceases to accrue.

Surrender Benefit:

a.) Immediate Life Annuity: Surrender is not allowed.

b.) Immediate and Deferred Life Annuity with Return of Purchasing Price (Single and Joint Life Option):

Surrender Value is equal to the Present Value (PV) of predicted future benefits discounted at the then-current interest rate plus 2%.

Illustration:

Age at entry: 45 (male) Purchase Price: Rs  200,000
Option: Deferred Life Annuity with Returns of Purchase Price(Single Life) Annuity Rater:10.00%
Deferment period:10 years      Annuity Frequency: Annual

  Surrender value (At various interest rates prevailing at the time of surrender)

 End of Policy Year

5.5% 6.5% 7.5%

1

    Rs.1,50,000     

Rs.1,50,000 Rs.1,50,000

5

Rs.1,80,000

Rs.1,80,000 Rs.1,80,000
10

Rs.2,55,512

Rs.2,29,688

Rs.2,08,474

15 Rs.2,62,417 Rs.2,37,939

Rs.2,17,461

Policy Loans Provision:

In HDFC Life Pension Guaranteed Plan, policy Loans will be accessible under the Deferred Life Annuity option throughout the deferral period.

The loan amount will be limited to a maximum of 80% of the surrender value.

The loan interest rate is presently 9% per annum. It is computed as the average annualised 10-year benchmark G-Sec yield (for the past 6 months and rounded up to the closest 50 basis points) + 2%.

For more details, you can read the HDFC Life Pension Guaranteed Plan Brochure here.

Eligibility of HDFC Life Pension Guaranteed Plan:

Parameters Minimum Maximum
Entry Age Immediate Life Annuity  30 years 85 years
Immediate Life Annuity with Return of Purchase Price  30 years
Deferred Life Annuity with Return of Purchase Price 45 years
Annuity Pay-out (in Rs.) Per instalment Annual 12000 No limit
Half-yearly 6000
Quarterly 3000
Monthly 1000
Immediate Life Annuity Rs. 42,076 No limit
Minimum/ Maximum Purchase Price Immediate Life Annuity with Return of Purchase Price  Rs. 160,261 
Deferred Life Annuity with Return of Purchase Price Rs. 76,046
Minimum Group Size (For Group Policies) 5 (Five)
Premium Payment Term Single Pay

Advantages of HDFC Life Pension Guaranteed Plan:

  • The lack of a monthly salary after retirement is an easy way to generate consistent revenue.
  • The guaranteed interest rate for life ensures the continuance of a specified and stable cash flow after retirement.
  • There is a loan option available.

Disadvantages of HDFC Life Pension Guaranteed Plan:

  • No maturity benefit option.
  • Annuities are taxed.
  • After the annuity has been started, no changes may be made.
  • This plan contains no loyalty benefits.

IRR of HDFC Life Pension Guaranteed Plan:

Immediate Life Annuity with Return of Purchase Price (Joint Life):

In the Immediate Life Annuity with Return of Purchase Price option, you will get the guaranteed payout from the next policy term onwards.

For example, let’s take you have purchased the plan for Rs. 1,00,00,000.

Age of primary policy holder: 50

Age of the secondary policyholder: 45

Purchase Price ₹1cr5 Aunnity with Return of Purchase Price(Joint Life Feature)
Annuity Option Immediate Annuity Option Deferred Aunnity Option
Primary Aunnitant

Age

Secondary

Aunnitant

Age

Payable  Immediately Payable after 5years Deferment Payable after 10years Deferment
Monthly Aunnity for Life5 Aunnal Aunnity Amount Monthly Aunnity for Life5 Aunnal Aunnity Amount Monthly Aunnity for Life5 Aunnal Aunnity Amount
50 45 ₹44,760 ₹5,59,505 ₹59,951 ₹7,49,385 ₹80,422 ₹1,00,5280
55 50 ₹45,324 ₹5,66,550 ₹61,313 ₹7,66,415 ₹83,385 ₹1,04,2310

Then, you will get the Annual Annuity Amount of Rs. 5,59,505 for the annuity period of 40 years.

 
 Age  Year Purchase Price / Annuity
50 1 -1,00,00,000
51 2 5,95,505
52 3 5,95,505
53 4 5,95,505
54 5 5,95,505
…. ….. …..
90 41 5,95,506
Return of Purchase Price 1,10,00,000
IRR  5.98%

And, at the end of the policy term, you will receive an IRR of 5.98%.

Deferred Life Annuity with Return of Purchase Price (Joint Life):

In the Deferred Life Annuity with Return of Purchase Price (Joint Life) option, the policyholder will get the annuity after the deferment period.

57 7 0
58 8 0
59 9 0
60 10 0
61 11 10,05,280
62 12 10,05,280
…. …. …..
90 40 10,05,280
Return of Purchase Price 1,10,00,000
IRR  5.64%

In the Deferred Life Annuity with Return of Purchase Price (Joint Life) option, the policyholder will get the annuity after the deferment period.

Here, if we take the same example to calculate the IRR, then at the end of the policy term, you will get the Annual Annuity Amount of Rs. 10,05,280 after the deferment period of 10 years. 

And, at the end of the policy term, you will receive an IRR of 5.64%.

HDFC Life Pension Guaranteed Plan vs Other Investments:

Now, it may look like HDFC Life Pension Guaranteed Plan gives you a better return. But, in reality, it gives us a return of a Bank FD. Also, it can only give you lesser purchasing power after your retirement. It cannot help you to beat inflation.

Then what to do?

Here, we have some alternative investment options that can give you an inflation-beating return.  

HDFC Life Pension Guaranteed Plan Vs RBI Bonds

Instead of purchasing Immediate Life Annuity with the Return of Purchase Price option, you can invest your money in RBI Bonds.

Because RBI Bonds give you a return of 7.15% per annum. So, if you invest Rs. 1,00,00,000, you will get an annual interest of Rs. 7,15,000 which is higher than the Immediate Life Annuity with Return of Purchase Price option.

HDFC Life Pension Guaranteed Plan Vs Hybrid Mutual Funds

As for the Deferred Life Annuity with Return of Purchase Price option you can choose mutual fund investments such as Hybrid Fund to get a better investment return.

 Age  Year Hybrid Fund
51 1 -1,00,00,000
52 2 0
53 3 0
54 4 0
55 5 0
56 6 0
57 7 0
58 8 0
59 9 0
60 10 0
61 11 10,05,280
62 12 10,05,280
…. …. …..
90 40 10,05,280
Return  9,42,53,361
IRR  8.00%

As you can see in the above illustration, if you invest Rs. 1,00,00,000, after 10 years, you can get an investment return of Rs. 10,05,280 p.a and you will get an IRR of 8% at the end of the maturity.

Key Insights from the Analysis:

RBI Bonds and Hybrid mutual fund schemes are able to out beat the returns from the HDFC Life Guaranteed Pension Plan substantially.

How to cancel HDFC Life Pension Guaranteed Plan during the free look period?

Single Life:

If the policyholder is not satisfied with the terms and conditions of the policy, then he/she can return the policy by stating the reason for cancelling the policy within 15 days from the days of purchasing the policy. 

If the policyholder purchases the policy in distance mode, the free look period will be 30 days. 

However, the insurance company will refund the premium after deducting the medical examination charges and stamp duty charges if any.

Joint Life:

If the primary policy holder or the secondary policyholder is not satisfied with the terms and conditions of the policy, then they can return the Policy/Certificate of Insurance to the company to surrender the policy within 15 days from the date of purchasing the policy.

The free look period will be extended to 30 days if the policyholder purchases the policy through distance mode.
The company will refund the premium after deducting the medical examination charges and stamp duty charges if any.

Final Verdict on HDFC Life Pension Guaranteed Plan:

HDFC Life Pension Guaranteed Plan promises a guaranteed payout after your retirement. 

But, the income is not guaranteed to fulfill your needs. 

Compared to other investments, it does not give you an inflation-beating return. It only gives you a return that you can get from Bank FDs.

So, it is better to plan your retirement with a suitable investment plan that can give you better purchasing power and can help you to reach your financial freedom after your retirement.

Skip the queue by registering for your 30 Minute FREE Financial Plan Consultation. Click the ‘Book Your Slot Now!’ button below. 

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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