Annual Income (In Lacs)

Benefits of INVEST 4G: The Online Unit Linked Insurance Plan

Life cover

Ensuring financial protection to your family in case of your unfortunate demise


ULIPs provide option to switch between investment funds at various stages depending on life goals

Loyalty Additions1 & Wealth Boosters2

Additional units are allocated which help boost the policyholder’s savings


Partial Withdrawals3 to meet unplanned contingencies, Systematic Withdrawal Option to create additional income stream during policy term and Milestone Withdrawal Option for enhanced liquidity at regular intervals.

ULIPs also provide tax benefits on premium paid and the benefits are received during the term of the policy under Section 80C and Section 10(10D), as per the Income Tax Act, 1961, as amended from time to time

Importance of ULIPs

Life cover

Unit Linked plans provide life cover in addition to high returns with a sum assured in case of loss of life of the policyholder.

Finance long term goals

The longer you invest in ULIPs the better the return you can expect.

Liquidity when you need it

The ULIPs provide options of partial withdrawal3 when and how ever needed.

Disciplined and regular savings

The ULIPs are invested over a wide range of funds, which can be altered as per the appetite of risk and return of the policyholder.

Why Buy?

Your future is defined by your goals for yourself and your loved ones. You would like to ensure that nothing comes in the way of achieving these goals - buying the perfect house for your family or enrolling your child in a college abroad. Whatever be your goal, you would not want to compromise financially for any of these important milestones in your life. The plan offers:

Emerging Leaders Equity Fund

Generate long term capital appreciation through investments predominantly in mid cap stocks

Life Cover

You can choose your Life Cover based on your protection needs from Life Option, Care option and Century option.

Payment Term

You can choose a Premium Paying Term (5, 10 years or more upto 30 years) to suit your earning capacity.

Premium Redirection

You can modify the allocation of future premiums once in a policy year. The revised allocation proportion will apply to your subsequent premiums.

Return of Mortality Charge4

Return of Mortality Charge is available on Maturity under all three cover options

Auto Funds Rebalancing5

You can maintain allocation of your savings in a specific proportion across different Unit Linked Funds, irrespective of market movements by using this option.

Safety Switch Option5

You have the option to switch your money to low risk fund as your policy nears maturity.

* Tax benefit of Rs. 46,800/- is calculated at the highest tax slab of 31.2%(including 4% cess) for an assessee on life insurance premium of Rs. 1.5 lacs under Income Tax Act, 1961 and tax benefit may vary from assessee to assessee. Tax benefits/savings are subject to provisions under section 80 C, 80 CCC, 80 D, 10(10A), 10(10D) and other sections of the Income Tax Act, 1961. The provisions of Income Tax Act, 1961 are subject to amendments made by the government from time to time. Goods & Services Tax will be charged on the premium amount. Please consult your independent tax advisor for details.

1) Loyalty Additions starting from the end of every 5th policy year from the commencement of the policy and is available till the end of Premium Payment Term, provided all the due premiums are received till that time.

2) Wealth Boosters additions at the end of every 5th policy year starting from 10th policy year, provided all the due premiums till date have been paid.

3) Partial withdrawal is allowed 6th policy year onwards, provided all due premiums for first 5 policy years have been paid. For Systematic Withdrawal option and Milestone Withdrawal Option kindly refer product brochure for more information.

4) Return of Mortality Charge : An amount equal to the total of all the Mortality Charges deducted during the Policy Term will be added to the Fund Value at the maturity date, provided all due premiums have been received till the maturity date.

5) Terms & Condition Apply.

  • Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document issued by the insurance company
  • The Unit linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Unit linked Insurance Products completely or partially till the end of the fifth year
  • Purchase of any insurance products by a bank's customer is purely voluntary and is not linked to availment of any other facility from the bank.
  • The SFIN (Segregated Fund Index Number) for: Emerging Leaders Equity Fund is ULIF02020/12/17EMLEDEQFND136
  • For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.
  • The investment risk in investment portfolio is borne by the policyholder.
  • Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited is only the name of the insurance company and Canara HSBC Oriental Bank of Commerce Life Insurance Invest 4G is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
  • You may be entitled for tax benefits under Section 80C and Section 10(10D), as per the Income Tax Act, 1961, as amended from time to time. For tax related queries, please contact your independent tax advisor for details.
  • Unit linked Insurance products are different from the traditional insurance products and are subject to the risk factors.
  • The premium paid in Unit linked Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
  • The premium shall be adjusted on the due date even if it has been received in advance.
  • The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these funds, their future prospects and returns.
  • Past performance of the investment funds do not indicate the future performance of the same. Investors in the Scheme are not being offered any guaranteed / assured returns.
  • The premiums & funds are subject to certain charges related to the fund or to the premium paid.
  • Collection of advance premium shall be allowed within the same financial year for the premium due in that financial year. However, where the premium due in a financial year is being collected in previous financial year, the premium may be collected for a maximum period of three months in advance of the due date of the premium. The premium so collected in advance shall only be adjusted on the due date of the premium. Such advance premium, if any, paid by the Policyholder shall not carry any interest.
  • ^Available with Century option.
  • #COVID-19 claims are subject to terms and conditions of policy and extant regulatory framework.

Trade Logo of Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited (Insurer) is used under license with Canara Bank, HSBC Group Management Services Limited and Oriental Bank of Commerce.

The Insurance products are offered and underwritten by Insurer (IRDAI Regn. No. 136) having its head office at Canara HSBC Oriental Bank Of Commerce Life Insurance Company Limited, 139 P, Sector - 44, Gurugram - 122003, Haryana, India.

For more details on risk factors, terms and conditions please read the Sales Brochure carefully before concluding a sale.

Corporate Identity No.-U66010DL2007PLC248825   Website:
Call (Toll free no.): 1800-103-0003/1800-180-0003/1800-891-0003
SMS: 9779030003
Missed Call: 0124-6156600


IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Canara HSBC Oriental Bank of Commerce Life Insurance Co Ltd   |   IRDAI Registration no: 136   |   LPD1INV4GCHOJUN21 ENG   |   UIN:136L064V03

Data collected by the company is subject to the Terms & Conditions laid out in the Privacy Policy   |   ©2021 Canara HSBC Oriental Bank of Commerce Life Insurance Co. Ltd.