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HDFC SL Crest Plan

HDFC Life Insurance SL Crest is a unit linked insurance plan providing life cover as well as capital appreciation. Premiums are paid for a limited tenure while the plan continues longer. It is an online investment plan which can be bought by simply filling up and submitting a Short Medical Questionnaire.

Key features of the plan

  • Four investment funds are available for the policyholder to choose his investment strategy.
  • Partial withdrawals, premium redirections and switching allow flexibility to the plan.

How does the plan work?

Step 1 – the policyholder chooses the premium amount.

Step 2 – Based on the insured’s age and premium amount, the minimum and maximum Sum Assured is calculated. The policyholder then chooses the Sum Assured as required by him.

Step 3 – the policyholder then chooses to invest the allocated premium in any of the available 4 funds. The funds are Blue Chip Fund, Opportunities Fund, Income Fund and Balanced Fund.

Step 3 – the policyholder can make partial withdrawals, premium redirections or switch his investments if required.

Step 4 – in case of death during the plan term, the death benefit is paid.

Step 5 – if the insured survives the plan tenure, the maturity benefit is paid which is the Fund Value.


Nishit, aged 35 years, buys Crest plan and pays a premium of Rs.1 lakh. Given his age, the Sum Assured is calculated as 10 times to 20 times his annual premium. Nishit chooses Rs.10 lakhs coverage.

Option 1 – If Nishit dies during the term, higher of the Fund Value or Sum Assured subject to a minimum of 105% of premiums paid till death is paid to the nominee.

Option 2 – If Nishit survives the plan tenure, the Fund Value is paid which can be taken in lump sum or in instalments.

Nishit can make partial withdrawals, switch between funds and also redirect future premiums to any other fund.

Plan benefits

  • Death benefit – if the insured dies during the term of the plan, higher of the Fund Value or Sum Assured is paid. However, the minimum death benefit is 105% of premiums paid till death.
  • If the life insured dies before reaching 60 years of age, the Sum Assured would be deducted for any partial withdrawals made during two years prior to death
    If the life insured dies after attaining 60 years, any partial withdrawals made after crossing 58 years of age would be deducted from the Sum Assured.

  • Maturity Benefit – when the plan matures, the available Fund Value is paid to the policyholder who can avail the benefit in one lump sum or in 5 instalments over a 5-year period through the Settlement Option feature available under the plan.
  • Partial withdrawals – the policyholder can make partial withdrawals after the first 5 years of the policy. The minimum amount of withdrawal is Rs.10, 000.
  • Switching –the policyholder can change the choice of funds and reallocate the Fund Value among different funds through switching.
  • Premium redirection – If the policyholder wants, he can choose to redirect future premiums to another fund different from the one in which the premium is currently being allocated to.


  Minimum Maximum
Age at entry (in completed years) 14 years 55 years
Age at maturity (in completed years) NA 65 years
Term of the plan 10 years
Premium paying options Limited pay
Premium Paying term 5 years
Annual premium amount Rs.5,000 No limit
Sum Assured Age below 45 years – 10 times the annual premium
Age 45 years and above – 7 times the annual premium
20 times the annual premium

What is not covered in the policy?

In case of suicide committed within 12 months of inception or revival of the plan, the available Fund Value is paid.