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A Perfect Plan for All Your Promises

Certain goals shouldn't be left to chance. For instance, ensuring your child's education, securing the financial future of a loved one or your retirement. How can you guarantee the attainment of these crucial aspirations?

Canara HSBC Life Insurance offer smart plans for the digital generation. The plans are curated for people who wish to secure their children's future while also preparing for their own retirement.

New to Insurance?

Unsure which plan aligns best with your needs? Choose a goal and we'll guide you through the decision.

Investment
Child Education
Term Insurance
Retirement

Investment Calculator

Our investment calculator can easily help you plan the needed financial corpus for your goals.

1

My Goal

2

Investment Amount

3

Additional Details

4

Our Recommendation

My Goal

Investment Amount

Additional Details

Our Recommendation

I want to create a corpus of {totalAmount}

I want to reach my goal in {totalYear} year

I have already saved {savedAmount}

I expect a return of {expectedInterest}%

My name is {customerName},

and my mobile number is {phoneNumber}

Corpus Created in {corpusYear} year

you Invest {investAmount} over {totalYear} Years

0 year

₹ 1.20Lakh

1 year

₹ 1.20Lakh

2 year

₹ 1.20Lakh

8 year

₹ 1.20Lakh

9 year

₹ 1.20Lakh

10 year

₹ 1.20Lakh

Hi {name}, We recommend to start investing

per month for {totalYear} years

Invest Now

Desclaimer-

The above calculation and illustration of figures are indicative only and not on actual basis.

Child Education Calculator

A smart online tool that helps you easily navigate the costs of your child's future education, ensuring their dreams come true.

1 About my Child

2 My Child’s Dream and Needs

3 Additional Details

4 Our Recommendation

My child's name is {name} {name} age is {age} years (Current age)

{name} would like to do

Engineering

Medical

Law

MBA

Fashion Designing

Hotel Management

Architecture

Others

Current cost of doing {career} is {cost}

My current savings for {name} are {savings}

I need the money when {name} attains age {money}

My name is {name}

my mobile number is {mobile}

You start investing when {name} age is: {initialAge} years

Maturity amount received by {name}

{name} becomes an {career} Professional

For {name} Education as: {career}

You should start saving

{maturityAmount}

For remaining {remainingYears} years

To create a sum of {totalamount}

View Now

*Disclaimer-

The above calculation and illustration of figures are indicative only and not on actual basis.

Calculate Term Insurance Premium

A term insurance calculator is a useful online tool that helps you determine how much coverage you need based on your income, lifestyle, and family’s needs.

1

My Income

2

My current Cover

3

Additional Details

4

Our Recommendation

My Income

My current Cover

Additional Details

Our Recommendation

I am {age} years old,

My Monthly income is {amount}

Additionally, I hold existing Insurance Cover of Rs {insurenceamount}

and loan amounting to Rs{amount}

My name is {name}

my mobile number is {contact}

50 Lakh

12.5 Lakh

75 Lakh

Zero

1 Crore

Where do you stand

Additional Life Cover

Hi {name}

To secure your family’s financial future and protect their dreams, you’ll need an additional cover of

rs 10,000

Note: This is a very brief calculation of HLV

Secure Now

Recalculate

Desclaimer-

The above calculation and illustration of figures are indicative only and not on actual basis.

Retirement Calculator

A retirement planning calculator is a simple tool that gives you an idea of the corpus you can accumulate with a regular monthly investment for your golden years.

1

My Retirement Age

2

Amount Invested

3

Additional Details

4

Our Recommendation

My Retirement Age

Amount Invested

Additional Details

Our Recommendation

I am {currentAge} years old,

I want to retire at {retirementAge} year(retirement age)

My current monthly expense is {monthlyExpense}

and I have already accumulated {accumulatedAmount}

My name is {customerName},

my mobile number is {phoneNumber}

Secure Your Child's Future

Did You Know?

Only 18% Indian Parents feel that their policy maturity amount will be sufficient enough to secure their child’s future, while 71% feel they should have started the policy sooner.

How to Buy a Child Insurance Plan?

Buying a child insurance plan is a crucial financial decision that ensures your child’s future is secure, even in your absence. It requires thorough research and careful planning to select a policy that aligns with your long-term goals. Here’s a step-by-step guide to help you make an informed choice:

1. Assess Your Financial Goals

Before selecting a plan, determine the financial milestones you want to secure for your child. Common goals include funding their higher education, covering medical emergencies, and ensuring financial stability in case of unforeseen circumstances. Estimate the future costs of these expenses, considering inflation, to get a realistic idea of how much coverage you need.

2. Compare Different Plans

Child insurance plans come in various types, including traditional endowment plans, unit-linked insurance plans (ULIPs), and money-back policies. Compare policies based on:

Coverage: Look at what financial risks are covered, including death benefits and maturity benefits.
Premiums: Assess affordability and premium payment flexibility (monthly, quarterly, or annually).
Maturity Benefits: Check how and when the policy pays out benefits, such as lump sums or periodic payouts.
Waiver of Premium: Choose a plan that continues even if the policyholder (parent) passes away, ensuring the child still receives the benefits.

3. Consider Flexibility and Investment Options

Some child insurance plans offer investment components that help grow your savings over time. Plans like ULIPs allow you to invest in equity or debt funds based on your risk appetite, while traditional plans provide guaranteed returns. Select a plan that offers flexibility in terms of switching funds, withdrawing funds when needed, and modifying coverage as per changing needs.

4. Understand the Policy Terms and Exclusions

Before making a purchase, read the policy documents carefully to understand all terms and conditions. Pay special attention to exclusions, waiting periods, and conditions for claim settlements. This will help you avoid surprises in the future.

5. Consult a Financial Advisor

If you are unsure which plan is best for your needs, seek professional advice. A financial advisor can help you assess different policies, compare investment returns, and choose the most suitable plan based on your financial situation and future goals.

6. Finalise and Purchase the Policy

Once you have selected the right child insurance plan, complete the paperwork and ensure all details are accurate. Keep a copy of the policy documents and inform a trusted family member about it to facilitate easy access when needed.

By following these steps, you can select a child insurance plan that provides financial protection and security for your child, ensuring their dreams and aspirations are never compromised.

Retirement Plans

Did You Know?

In India, 61% of people begin their retirement planning in their 30s, and 74% wish they had started earlier.

Step-by-Step Planning Guide

By following these steps, you can ensure a financially secure and stress-free retirement.

Step 1: Set Your Retirement Goals: Determine your desired retirement age and estimate your post-retirement expenses. The expenses can include daily living costs, medical needs, travel, and lifestyle choices. Consider inflation while calculating future expenses.

Step 2: Assess Your Current Financial Position: Evaluate your existing savings, investments, and retirement funds such as EPF, PPF, NPS, or pension plans. Identify any gaps between your current savings and your required retirement corpus.

Step 3: Choose the Right Retirement Plan: Select a retirement investment plan that aligns with your risk appetite and financial goals. Options include National Pension Scheme (NPS), annuity plans, mutual funds, and other pension schemes.

Step 4: Start Investing Early: The earlier you start investing, the more you benefit from compounding returns. Set up systematic contributions to your retirement funds through SIPs, fixed deposits, or pension plans.

Step 5: Diversify Your Investments: Build a balanced portfolio with a mix of equity, debt, and fixed-income assets to reduce risk and maximise returns. Adjust allocations based on your age and risk tolerance.

Step 6: Review and Adjust Your Plan Regularly: Monitor your retirement investments periodically and make necessary adjustments based on changes in market conditions, lifestyle, or financial goals.

Step 7: Create an Emergency Fund: Keep at least 6-12 months' worth of expenses in an easily accessible emergency fund to cover unexpected costs without dipping into your retirement savings.

Step 8: Secure a Steady Income Post-Retirement: Decide how to withdraw your corpus as a lump sum or through annuities. Consider investment options that generate regular income, such as rental properties, fixed deposits, or dividend-yielding stocks.

Canara HSBC Life Insurance

We have over 15 years of experience in delivering exceptional value to our customers through our range of individual and group insurance solutions, designed to meet their various needs, including savings and investment, retirement, protection, and more.

15,700 Partner Branches

Canara Bank, HSBC India, Other Alternate Channels

₹400,127.4 Mn Assets Managed

Assets Managed as of 31 December 2024

99.31% Claims Settled

Claims Settled in FY 2023-2024

215.00% Solvency Ratio

Way Above the IRDAI Mandate

Frequently Asked Questions

Yes, basis your need, you can buy the plan and opt the plan option wherein you can get Income or lump sum benefits or mix of both.

No, you will not be able to change the premium payment mode that you have opted for during the policy commencement.

Promises Ka Partner

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A Perfect Plan for All Your Promises

New to Insurance?

Child Education Calculator

Secure Your Child's Future

Did You Know?