Life expectancy has been steadily increasing in India. In 2010, it was 66.69 years. In 2021, it’s 70.8 years. Overall, that’s great news. More time to do all the things on your bucket list - read all the books you’ve wanted to read, enjoy all the movies that have been piling up on your watchlist, and travel to all the places you’ve been planning for years. Sounds great, right? But what about life insurance? Does more life expectancy mean more delay in payout for your loved ones, after you’ve passed on? Thoughts about mortality aside, let us first enlighten you with this - the ideal life insurance plan helps you reap benefits even when you’re alive! You’ve done all the hard work, so why should you not enjoy it?
Fortunately, such plans are available when you choose an insurer like HDFC Life. With a carefully curated list of term plan options, the insured person not only creates a safety net for their loved ones, but also ensures that there’s a certain amount of calm in their life, thanks to the coverage. Who doesn’t want a life of calm, right? If a stress-free life is what you’re yearning for, here’s why we think you should seriously consider going with HDFC Click 2 Protect Life.
#1 Plans change at life’s different stages
Your twenties might be reckless, your thirties could be focused, your forties could be all about consolidation, and everything after that could be about taking care of your and your family's well-being. Point is, priorities change with age and life experience, and that’s why the kind of financial plans you choose, should have the flexibility to adapt to these changing priorities.
#2 Golden years of life can shine brighter with financial protection
Just because you’ve reached an age where working for a living feels like a drag doesn’t mean that you need to suddenly cut down on things you love. With the proper term plan, you can assure yourself of a monthly income even after you’ve retired. Combined with your savings, this can add that extra layer of security to ensure your golden years are free of stress.
#3 Goodbye to financial burden due to critical illnesses
There are so many out there who live with a certain level of paranoia, knowing that at any moment they could fall prey to some critical illness that might drain their hard-earned resources. But what if we told you that with the right plan, your insurer could get you a lump sum in case of such unforeseen events? You can’t live your life in fear of something that may or may not happen. But if you plan right, you and your family can live stress free while being prepared for whatever might come.
#4 Plan’s got your back - during you, after you
Like we mentioned earlier, the ideal life insurance plan not only takes care of your family after you, but also helps you reap financial benefits while you’re still around. There’s no rule saying your legacy can not be your safety net either. It’s all about finding the right term plan.
#5 Massive boost to lifestyle when you live stress free
Everything said and done, life’s just way more fun when you don’t have that ugly baggage of financial stress bogging you down at every step. Your family gets to be with the best version of you, and in the absence of stress, your mind naturally gravitates towards more wholesome and productive things. This is not something that’s quantifiable or you’ll read too much in insurance brochures, but at the end of the day, it’s what really matters - a life well-lived.
To know more about HDFC Click 2 Protect Life term plans and figure out which one is the best for you and your family so that you can #LiveCaaalm, click here.
(At The Quint, we are answerable only to our audience. Play an active role in shaping our journalism by becoming a member. Because the truth is worth it.)