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HDFC super income plan review

HDFC Life Super Income Plan Review: Should you buy or not? [Updated for 2022-2023]

by Holistic 20 Comments | Filed Under: Insurance

Listen to this article


HDFC Life Super Income Plan is a non-linked participating and limited pay money-back insurance plan.

This plan comes with assured benefits and additional bonuses to plan the financial needs of an individual. Also, this insurance plan offers guaranteed income to the policyholder for 8-15 years.

In this article, we will analyze the specific details of this plan and decide whether this insurance plan is a worthy investment in the year 2023 ! Is it a good or a bad policy?

Table of Contents

  • How does the HDFC Life Super Income Plan work?
  • HDFC Life Super Income Plan: Key Features
  • HDFC Life Super Income Plan: Survival Benefits
  • HDFC Life Super Income Plan: Maturity Benefit
  • HDFC Life Super Income Plan: Death Benefits
  • HDFC Life Super Income Plan: Bonuses
  • HDFC Life Super Income Plan: Surrender benefits
  • HDFC Life Super Income Plan: Illustration and Critical Analysis
  • HDFC Life Super Income Plan: Drawbacks
  • Final Verdict: Should you purchase HDFC Life Super Income Plan?
  • HDFC Life Super Income Plan: Commonly Asked Questions

How does the HDFC Life Super Income Plan work?

How does the HDFC Life Super Income Plan actually workYou should choose to pay the premiums for 8, 10 or 12 years based on the choice of your plan.

You will receive the payouts for 8,10,12 or 15 years, based on your selection.

Plus, you will receive the Life cover for the entire policy term.

Company CLAIMS to provide the annual returns in the range of 8% – 12.5%!

We will do a detailed analysis of the return on investment of this plan later in this post.

HDFC Life Super Income Plan: Key Features

1. After completing your Premium payment term in this plan, you will get regular monthly or yearly income for a period of 8 to 15 years, along with insurance coverage throughout the policy term.

2. Range of premium payment and policy term options are available. Below are the 6 options. You should choose any one of the 6 options.
HDFC Life Super Income Plan Key Features3. Survival Benefits varying from 8% to 12.5% of the Sum Assured are payable on Maturity each year during the payout period. 8% to 12.5% seems to be high return as claimed by the company. We will do our detailed analysis of this claim later in this post.

The Sum assured is known to the policyholder at the inception and paid by the insurer at the end of the year during the payout period. Details on Survival benefits are described in the next section.

4. Eligibility criteria, age at entry and minimum sum assured is given in the table below:
HDFC Life Super Income Plan Brochure

(Image Source: HDFC Life Super Income Plan Brochure)

5. You can calculate the Sum Assured from HDFC Life online calculator. You will find a dashboard as shown below, where you can enter your premium amount and frequency to get the Sum Assured. Or, you can enter your desired Sum Assured to get your Premium Amount to be paid.
hdfc life online calculator6. You can choose to pay the premiums as per your choice. You can choose to pay the premiums either monthly, quarterly, half-yearly, or yearly. The below table shows the Premium Payment Frequency with a minimum installment amount.
Payment Frequency with a minimum instalment amount There is no upper limit for the Maximum Installment amount.

7. Opportunity to avail many other benefits and bonuses

In the next section, we will analyze the key benefits and bonuses provided by HDFC Life Super Income Insurance Plan.

At this point, let’s have a look at the short video illustration on the review of the HDFC Life Super Income Plan. This video briefly reviews all the essential aspects of this plan.


HDFC Life Super Income Plan: Survival Benefits

This benefit is expressed as the percentage of the total sum assured amount on maturity.

According to the company’s claim, you will get 100% or 120% of the Sum Assured on Maturity, during the payout period. The percentage depends on your variant. The benefit is spread evenly across the payout term. (Remember: 100% or 120% is not returns. This includes the principal also. That is this includes the premium you have paid.)

  • Survival Benefits are paid every year during a payout period which is after the completion of the premium payment period. They are expressed as the percentage of Sum Assured on Maturity.
  • Total Survival Benefits are calculated as Survival Benefits per year multiplied by their respective payout period.
  • Premium Payment Term (A) + Payout Term(B) = Policy Term (A+B)

Look at the table below to know about the Survival Benefit percentages:
Survival Benefit percentages

For a detailed analysis of survival benefits, refer to Illustrative example discussed later in this post.

HDFC Life Super Income Plan: Maturity Benefit

At maturity, all the outstanding premiums have been paid off. Maturity Benefit consists of:

  • Last survival benefit payout
  • Accrued reversionary bonuses
  • Interim bonuses (if any)
  • Terminal bonuses (if any)

The last installment of survival benefit is paid along with the payment of maturity benefit.

HDFC Life Super Income Plan: Death Benefits

In the event of the demise of the policyholder during the policy term, the nominee will get:

  • Sum Assured on Death
  • Accrued reversionary bonuses
  • Interim bonus (if any)
  • Terminal bonus (if any)

Sum Assured on Death shall be the higher of:

1. Sum Assured on Maturity

2. 10 times Annualised Premium for entry age up to 50 years or 7 times Annualised Premium for entry age greater than 50 years

As you can see that there are two components to the calculation of death benefits.

The first component is Sum Assured on maturity.

The second component is a multiple of your premium, 10 times annual premium if your entry age is up to 50 years and 7 times annual premium if your entry age is over 50 years.

For example, If you choose to invest in option 3 of the HDFC Life Super Income Plan, estimated death benefits will be described as follows:
Death benefits No further survival benefits shall be paid after the demise of the policyholder.

Let’s discuss bonuses now.

HDFC Life Super Income Plan: Bonuses

The following are the types of bonuses provided by the insurer along with this life insurance plan:

    Reversionary Bonus:

    • This bonus is declared by the insurer at the end of the financial year.
    • It is expressed as the percentage of the sum assured amount on maturity.
    • This bonus is NOT an assured benefit as it usually depends on several factors. But, once it is added, it is guaranteed to be payable.
    • In case of policy surrender or unexpected demise of the policyholder during the inter-valuable duration, the insurance plan will be eligible to get interim bonuses as per the terms and conditions of the insurance company.
    • Please note that these bonuses are in the future value of maturity and not in the present value. So this will NOT have the compounding effect.
    • Current Reversionary bonus rates are given as follows:

    Reversionary Bonuses

    [Source: HDFC Life Super Income Plan – Reversionary Bonuses]

    Let’s say your Policy Term is 20 years, you will get a simple reversionary bonus of 4.5% of the sum assured. Assume that in our policy, we are taking the sum assured on maturity to be Rs. 10,00,000.

    Therefore, the annual bonus will be Rs 45,000 per annum. You will get this benefit at the time of policy maturity.

    For 20-year policy term, you will get the reversionary bonus,

    Rs 45,000 * 20 = Rs 9 lacs

    Terminal Bonus:

  • This bonus may also be added to an insurance plan and enables the service provider to pay a share of the surplus offered.
  • Just like the reversionary bonus, this benefit is also not assured and depends on the company policies and actual future experience.
  • Its value is not fixed, but we will find the terminal bonus with some assumptions and approximations later in the illustration.

HDFC Life Super Income Plan: Surrender benefits

The policy also offers surrender benefits, provided the policy is continued for a particular period. If your policy term is 8 years and the policy is counted for 2 complete years, it will acquire guaranteed surrender value which is the total of a % of total premium paid and accrued bonuses.

Availability of Policy Loan:

Once an insurance policy acquires its surrender value, the policy owner may avail the facility of policy loan which is up to 80% of the policy’s surrender value.

HDFC Life Super Income Plan: Illustration and Critical Analysis

Let us say, you choose a policy term of 20 years, as provided in option 3 with an assured sum of Rs. 10 Lacs.

To get the sum assured of Rs. 10 Lacs, you have to pay the annual premium of Rs. 1,35,829 for 10 years.

And, if you want illness cover, then you have to pay the extra sum of Rs. 1,690 p.a. and your annual premium will be Rs. 1,37,519 for 10 years.

Note: Calculations are done using the online calculator of HDFC Life.

You will receive the benefits after 10 years, as shown in the table below.
Illustration from HDFC Life Calculator

Source: Illustration from HDFC Life Calculator
In the previous section, we calculated the reversionary bonus, which equals Rs. 9,00,000. The above illustration shows the maturity benefit is approx. Rs. 16,70,000. It means the terminal bonuses will be approx. Rs. 7.7 Lacs (16.7Lacs – 9Lacs).

The table shown below highlights overall inflow and outflow over the 20-year policy term.

We will find out how much returns you may get on maturity!
hdfc life super income plan Your return for this 20-year investment is 6% p.a. (with assumptions).

Even though this plan CLAIMS the benefits in the high range of 8.5% and 12%. You are ONLY getting a return of 6%. Note: the bonuses are non-guaranteed benefits and they may vary with the performance of company in the market and may vary each year!

HDFC Life Super Income Plan: Drawbacks

1. Hidden costs and non-guaranteed benefits.

  • The commission is been paid to agents. In the first year, it is around 30%, thereafter it is around 5% in the upcoming years.
  • Transparency: When you pay your premium, you will have no clue about how much goes towards expenses, how much is getting invested and where it is getting invested. It is completely not tranparent.Whereas in mutual fund investment, expenses are low and they are more transparent.
  • Comparatively, SEBI (regulator of mutual funds) is more proactive in stopping misspelling by agents. IRDA (regulator of Insurance) follows the same commission structure to agents which got decided in 2016. SEBI revised the expense ratio limit multiple times and even in April 2019, there was a downward revision of expense ratio limits that hugely benefitted mutual fund investors.
  • Marketing expenses: costs involved in advertising and various incentives are given to the marketing team.
  • Policy operational expenses.

Many such costs are summed up and deducted from the premiums paid by the customers.

It will take more than five years for the policy to recover these expenses from the returns generated. That’s why in the first five years the surrender charges are less than the premiums you paid. That means literally there are no returns for the first three to five years.

Also, the benefits provided by this plan during maturity are not guaranteed.

2. Low returns (6%), as calculated in the above illustration.

  • Such lower returns can’t even beat inflation for 20 long years.
  • Mutual funds can give much better returns with fewer risks.
  • Even PPF can give guaranteed returns in the range of 8%!

3. For a given assured sum, the annual premium is high and has increased further over the years.

4. Most of the calculations are done by HDFC Life Calculator, and the basis of this calculation is unclear.

Instead of investing in HDFC Life Super Income Plan; with the same amount of investment in the combination of Mutual Fund and Term Insurance Plan you will achieve much better benefits.

In short, you should avoid this HDFC Life Super Income plan.

Final Verdict: Should you purchase HDFC Life Super Income Plan?

In short, the answer is NO.

As you have noticed in the above analysis that the Survival Benefits, though they are guaranteed, rates are been reducing every year!

Reversionary and Terminal bonuses are NOT assured bonuses; they depend on the profit that the company makes in that duration and many other hidden factors. These bonuses don’t get the compounding effect.

All you need is better returns on your investment and good insurance, right?

So, instead of opting for HDFC Life Super Income Plan, you must consider keeping your investment and insurance separate. With the same amount of investment, you will achieve much higher returns and better insurance benefits.

Finally, don’t get into the trap of some 3rd party websites endorsing such a plan or your own bank’s relationship manager misselling this policy as they get the commission for each sale of the policy.

HDFC Life Super Income Plan: Commonly Asked Questions

1. What are the guaranteed returns in HDFC Life Super Income Plan?

Survival Benefits are guaranteed. Whereas the reversionary and terminal bonuses are not guaranteed, their amount may vary from time to time.

2. What will happen if you stop paying the premiums?

If you stop paying the premiums, the insurance policy will still continue but with the reduced benefits. However, you should revive it within two years from the date of their first unpaid premium. Otherwise, it lapses.

3. What is Free-look period of HDFC Life Super Income Plan?

The Free-look period is 15 days from the date of receipt of the policy.

The Free-look period for the policies purchased through Distance Marketing will be 30 Days from the date of the receipt.

Please note, Distance marketing refers to the policies sold through telephone or online or any other method which do not involve face-to-face selling.

You can cancel the policy during the free look-in period. The premium will be refunded without any questions. If your Bank relationship manager has missold this policy, you may exercise this option before the freelook-in period.

4. How to cancel HDFC Life Super Income Plan?

You can cancel the plan within the free look in period of 15/30 days, your premium will be refunded but they are subject to deduction of the:

  • The proportionate risk premium for the period on cover,
  • The expenses incurred by the company on medical examination (if any) and
  • Stamp duty.

In OFFLINE Mode you can fill & submit the Mandate Deactivation Form available at any HDFC Life branch.

In ONLINE Mode you may send an email at: atservice@hdfclife.com from your registered email ID and request for deactivation.

A policy once returned shall not be revived, reinstated, or restored at any point in time and a new proposal will have to be made for a new policy.

If you have any comments or questions, write them in the comment box below.

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Comments

  1. Manoj Kumar says

    December 23, 2021 at 5:19 pm

    Hi
    I have paid 2 premiums for this . What should I do?

    Reply
    • Holistic says

      September 26, 2022 at 5:19 pm

      Since you have already taken this insurance plan, then you have two options.
      Option: 1 You can surrender and encash the policy. And reinvest the surrender value and future premium money with better investment plans like PPF or MF.
      Option: 2 You can continue with the insurance plan until the policy matures.
      It is advisable to work out the outcome of both options and proceed with the better option.
      80% of the time, option 1 is better.

      You can consult a financial planner to choose the better option.
      Or
      You can take advantage of our free complimentary financial plan consultation and talk to our financial planners.
      Get your appointment here: https://www.holisticinvestment.in/complimentary-financial-plan-consultation/

      Reply
  2. Chandra kr says

    November 26, 2021 at 7:35 pm

    How much return I will get after cancellation of HDFC super income policy after three years?
    Premium amount ₹1 lakh

    Reply
    • Holistic says

      August 8, 2022 at 3:55 pm

      Please check with your financial planner.

      You can also book a slot with our financial planner for an initial complimentary consultation.
      https://www.holisticinvestment.in/complimentary-financial-plan-consultation/

      Reply
  3. Manoj Palliyil says

    August 15, 2021 at 5:13 pm

    Hi, I have taken Hdfc life super income plan and its been 5 years already.
    My question is-
    If I plan to discontinue with the said plan now after 5 years, I would like to know where will my pay-off and maturity benefits stand?

    Reply
    • Holistic says

      October 3, 2022 at 8:00 pm

      It will be calculated based on the premium you paid and the policy term.

      Reply
  4. Radhakrishnan Meyyappan says

    July 10, 2021 at 6:53 pm

    Thanks

    Reply
    • Holistic says

      October 12, 2021 at 11:26 am

      You’re welcome.

      Reply
  5. Radhakrishnan Meyyappan says

    July 10, 2021 at 6:51 pm

    Dear Sir/Madam,
    I had bought a HDFC life Super income plan for 16 years (8 years premium payment) in 2019. Now I felt the premium is more than the benefits we get. If i opt to surrender the policy, I get very less amount. I am contacting them regularly to make some change in the policy But, HDFC is not replying properly.
    I have two doubts:
    1. I couldn’t see the payment of Terminal bonuses anywhere. Have they really
    paid.
    2. Is there anyway we can alter or reduce the premium payment. The insurer
    can reduce the benefits accordingly. for eg. I can continue paying premium upto 4 years instead of 8 years and the insurer can reduce the benefits by 50%.

    Kindly assist to give me some solution.

    Kind regards,
    Radhakrishnan Meyyappan

    Reply
    • Holistic says

      October 3, 2022 at 8:00 pm

      Since you have already taken this insurance plan, then you have two options.
      Option: 1 You can surrender and encash the policy. And reinvest the surrender value and future premium money with better investment plans like PPF or MF.
      Option: 2 You can continue with the insurance plan until the policy matures.
      It is advisable to work out the outcome of both options and proceed with the better option.
      80% of the time, option 1 is better.

      You can consult a financial planner to choose the better option.
      Or
      You can take advantage of our free complimentary financial plan consultation and talk to our financial planners.
      Get your appointment here: https://www.holisticinvestment.in/complimentary-financial-plan-consultation/

      Reply
  6. Sudipta Mahapatra says

    December 2, 2020 at 8:38 am

    I pay only first year premium of Rs 70000 for a12+12 year plan after believing the agent and stopped there after knowing the drawbacks.. They asked me to continue three more years mo
    …should it be beneficial? What’s is the paid up value after 5 years

    Reply
    • Holistic says

      October 3, 2022 at 8:01 pm

      Since you have already taken this insurance plan, then you have two options.
      Option: 1 You can surrender and encash the policy. And reinvest the surrender value and future premium money with better investment plans like PPF or MF.
      Option: 2 You can continue with the insurance plan until the policy matures.
      It is advisable to work out the outcome of both options and proceed with the better option.
      80% of the time, option 1 is better.

      You can consult a financial planner to choose the better option.
      Or
      You can take advantage of our free complimentary financial plan consultation and talk to our financial planners.
      Get your appointment here: https://www.holisticinvestment.in/complimentary-financial-plan-consultation/

      Reply
  7. BABITA says

    September 19, 2020 at 12:27 pm

    Mr. Pradeep Kumar (141875) Mobile No. 8929618704 and Ms. Siddhi Agarwal Mobile No. 7766926172 has cheated me. They sold me HDFC Life policy along with benefit of medical policy with OPD facility in the month of Jan20. For this policy I forced to my husband to cancel Apollo Munich Optima Restore Personal Family Medical Floater policy. My husband cancelled Apollo Munich Optima Restore Personal Family Medical Floater policy and invested in the said policy.

    Today company is not fulfilling the commitment and my family is unsafe due to no health protection.

    I want to request you to beware from cheater employees Mr. Pradeep Kumar (141875) Mobile No. 8929618704 and Ms. Siddhi Agarwal Mobile No. 7766926172.

    Reply
    • Holistic says

      October 3, 2022 at 8:02 pm

      You can approach the HDFC grievance redressal officer to file your complaint or you can approach IRDA to file a complaint if you have not received any response from HDFC.
      Grievance Cell (irdai.gov.in)

      Reply
  8. Dr. Manoj Kumar says

    August 4, 2020 at 2:47 pm

    Dear Sir,
    I purchased a policy “HDFC Life Super Income Plan”. This was a false selling of HDFC Life Super Income Plan (Option 1) (HDFC306560R) by an advisor Ajay Mathur +91 9350822357. Before selling this policy he promised to return 40% of the first payment and 10% relaxation in the subsequent payments. Along with this, he promised to give a 5000/- brochure to be purchase thing from certain stores. He also committed to giving these things in writing in the policy draft.

    After that, he did not deliver any policy draft and denied to give all these benefits. I wish to cancel my policy and to file a case against this guy as soon as possible so that I can manage my fund for my better future.

    Thanking you.

    Reply
    • Holistic says

      October 3, 2022 at 8:02 pm

      You can approach the HDFC grievance redressal officer to file your complaint or you can approach IRDA to file a complaint if you have not received any response from HDFC.
      As for cancelling your HDFC Life insurance, this video can help you!
      https://youtu.be/K8rFZLwHjcc

      Reply
  9. mishal Thayyil Ayyappan says

    May 31, 2020 at 6:12 am

    Hi,
    What would I do to deactivate my super income policy. I am under option 5 and I paid one premium on 2019. I don’t want to pursue this policy anymore. Would they refund any amount that I paid. And how can I deactivate it online as I am residing in Canada. Hope to hear from you. Thank you.

    Reply
    • Holistic says

      August 8, 2022 at 12:49 pm

      Please check with your financial planner.

      You can also book a slot with our financial planner for an initial complimentary consultation.
      https://www.holisticinvestment.in/complimentary-financial-plan-consultation/

      Reply
  10. Ashwani kumar says

    February 6, 2020 at 10:10 pm

    I am 58 yes old retired person. Will the HDFC sanchay par advantage be good for me , ifI deposit 1.5 Lac per annum for six years

    Reply
    • Holistic says

      August 8, 2022 at 12:41 pm

      Please check with your financial planner.

      You can also book a slot with our financial planner for an initial complimentary consultation.
      https://www.holisticinvestment.in/complimentary-financial-plan-consultation/

      Reply

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