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About iSelect Guaranteed Future Plus

Certain goals shouldn't be left to chance. For instance, ensuring your child's education, orchestrating a wedding, or securing the financial future of a loved one. How can you guarantee the attainment of these crucial aspirations? Canara HSBC Life Insurance iSelect Guaranteed Future Plus is a smart plan for digital generation.

 

The plan provides life insurance and guaranteed benefits. It also offers regular income to meet long-term and short-term financial goals. The plan offers the flexibility to select from the four plan options i.e. Endowment Option, Regular Income Option, Early Income Option and Long-Term Income with Return of Premium Option.

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What Options Does iSelect Guaranteed Future Plus Offer?

  • Endowment Option 
    This plan option will enable you to accumulate a corpus for goals like marriage, retirement, education, etc., by giving you a guaranteed lump sum benefit at the end of the Policy term.
  • Regular Income Option
    Create a regular stream of income post premium payment term to manage day-to-day expenses and also get guaranteed lump sum benefits to fulfil your goals.
  • Early Income Option
    In today’s world, the liquidity of money and day-to-day expenses are major problems. With this plan option, you get Guaranteed Income from the 2nd Policy year itself to ensure your income competes with your expenses.
  • Long-Term Income with Return of Premium Option
    Create a regular stream of income post premium payment term to manage day-to-day expenses and also get a guaranteed lump sum benefit to fulfil your goals.

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Your Financial Future Awaits You!

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Canara HSBC Life Insurance - A Name You Can Always Count On!

Canara HSBC Life Insurance is a renowned industry leader with over 15 years of experience delivering exceptional value to our customers. Our range of individual and group insurance solutions meet their various needs, including savings and investment, retirement, protection, health, and more. The company has a legacy of providing unmatched security for you and your loved ones' future.

10,000+ Partner Branches

10,000+ Partner Branches

Canara Bank, HSBC India, Other Alternate Channels

₹37,000 Cr+ Assets Managed

₹37,000 Cr+ Assets Managed

Assets managed as of March 2024

99.23% Claims Settled

99.23% Claims Settled

Individual Death Claims settled in FY 2023-2024

> 210% Solvency Ratio

> 210% Solvency Ratio

Way above the IRDAI mandate

Frequently Asked Questions

Yes, basis your need, you can buy the iSelect Guaranteed Future Plus 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.

With this benefit, all future premiums will be waived off in the event of the death of the Payor (i.e., the Policyholder) anytime during the Policy term provided the Policy is in force. In case where Policyholder and Life Assured are the same, Sum Assured on Death will be payable immediately, and all future premiums payable shall be waived off. This benefit can be opted with the Endowment Option and Regular Income Option.

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Disclaimer

  1. Maximum Maturity age will be 99 years except for the following scenarios:
    • 80 years for Single Pay policies and for Non-Working Spouse.
    • If Accidental Death Benefit/ Terminal Illness Benefit/ Accidental Total & Permanent Disability (Premium Protection and Premium Protection Plus) Optional In-Built Covers are opted, maximum maturity of the base plan as well as these Optional In-Built Covers will be 75 years.
    • If Critical Illness (Premium Protection or Premium Protection Plus) Optional In-Built Cover is opted, maximum maturity of the base plan can be 99 years while the maximum maturity of Critical Illness cover will be 70 years in case of Life Secure Plan and Life Secure with Income Option whereas for Life Secure with Return Of Premium option, the max maturity age shall be 70 years both for base & Critical Illness benefit.
  2. Available only under Life Secure with Income plan option
  3. Critical Illness (CI) Premium Protection/Premium Protection Plus are optional in-built covers and can be opted with each of the plan option.
    All future premiums of the impacted life under the Policy will be waived if diagnosed with listed Critical Illness (available under Critical Illness Premium Protection/Premium Protection Plus).
    Additionally, CI Sum Assured will be paid under Critical Illness Premium Protection Plus. CI cannot be opted with Accidental Total & Permanent Disability (ATPD) optional inbuilt cover available under the product.
  4. Available only under Life Secure with Return of Premium plan option. Under this plan option, in case of survival of Life Assured till maturity, Sum Assured on Maturity which is 100% of Total Premiums payable, excluding underwriting extra premiums, if any, rider premiums and taxes shall be payable. The additional premium paid for Optional In-built covers, as opted, will also be returned as part of Sum Assured on Maturity on survival of Life Assured till the end of the Policy Term, even if the Optional In-built cover is utilized during the Policy Term.
  5. Accidental Death Benefit (ADB), Accidental Total & Permanent Disability (ATPD) Premium Protection/Premium Protection Plus, Terminal Illness (TI) and Child Care Benefit (CCB) are optional in-built covers and can be opted with each of the plan option except for CCB which is only available with Life Secure Plan Option and TI which is only available with Life Secure and Life Secure with Return of Premium plan options. All future premiums of the impacted life under the Policy will be waived on occurrence of ATPD (available under Accidental Total & Permanent Disability Premium Protection/Premium Protection Plus). Additionally, ATPD Sum Assured will be paid under Accidental Total & Permanent Disability Premium Protection Plus.
    ATPD cannot be opted with Critical Illness (CI) optional inbuilt cover available under the product.
  6. A benefit on early exit is available under Plan Option Life Secure of iSelect Smart360 Term Plan through the Special Exit Value feature wherein the Policyholder shall be returned the Total Premiums Paid, excluding the underwriting extra premiums and premiums paid for the Optional In-Built Covers (if any), if the Policyholder surrenders his/her Policy at the earlier of the following:

     

    a. The period when the attained age of the Life Assured is 65 years (age last birthday); or

    b. ‘x’ Policy Year (where x is defined as the 25th Policy Year for Policy Term from 40 years to 44 years and the 30th Policy Year for Policy Terms greater than 44 years).

    For further conditions applicable for Special Exit Value, please refer the Sales Brochure.

  7. Following conditions shall apply on Premium Payment term
    • PPT for Spouse Coverage as well as ADB / ATPD / TI benefits will be same as that applicable for base Death Benefit
    • Life Secure plan option:
      • The Life Assured/Working Spouse shall independently choose the Premium Payment Term for CCB benefit which should be less than or equal to the Premium Payment Term of the base Death benefit, subject to PPT Option being same for both base Death Benefit and CCB.
      • The Life Assured / Working Spouse shall independently choose the Premium Payment Term for CI benefit which should be less than or equal to the Premium Payment Term of the base Death benefit, subject to PPT Option being same for both base Death Benefit and CI benefit.
      • 5 years PPT with Policy Terms up to 9 years is only available for ages at entry of 35 years and above.
      • PPT upto age 60 years will be available subject to a minimum PPT in the Policy being 5 years and will be calculated as 60 minus age at entry. Further, this option is not available if Spouse coverage (working or non-working) is selected.
    • Life Secure with Income plan option:
      • The Life Assured / Working Spouse shall independently choose the Premium Payment Term for CI benefit which should be less than or equal to the Premium Payment Term of the base Death benefit, subject to PPT Option being same for both base Death Benefit and CI benefit.
      • PPT upto age 60 years will be available subject to a minimum PPT in the Policy being 10 years and will be calculated as 60 minus age at entry.
    • Life Secure with Return of Premium plan option:
      • PPT for CI benefit will be same as that applicable for base Death Benefit
      • PPT upto age 60 years will be available subject to a minimum PPT in the Policy being 10 years and will be calculated as 60 minus age at entry.
    • If Accidental Death Benefit/ Terminal Illness Benefit/ Accidental Total & Permanent Disability (Premium Protection and Premium Protection Plus) Optional In-Built Covers are opted, maximum maturity of the base plan as well as these Optional In-Built Covers will be 75 years.
    • If Critical Illness (Premium Protection or Premium Protection Plus) Optional In-Built Cover is opted, maximum maturity of the base plan can be 80 years while the maximum maturity of Critical Illness cover will be 70 years in case of Life Secure Plan and Life Secure with Income Option whereas for Life Secure with Return Of Premium option, the max maturity age shall be 70 years both for base & Critical Illness benefit.
  8. Block Your Premium (BYP) is an optional in-built cover and can be opted only with Life Secure Plan Option. Under Block Your Premium benefit, the premium rate of the base death benefit will get blocked for a period of 5 years during which Life Assured/Spouse can request for increase in benefit amount up to 100% of the Sum assured chosen at policy inception. Refer Sales Brochure for further details on Block Your Premium benefit.
  9. Available only under Life Secure plan option
  10. As reported in company factsheet for FY 2021-22.
  11. Individual death claims settled and reported for FY 2023-24.
  12. Tax benefit of ₹ 46,800/- is calculated at the highest tax slab of 31.2%(including 4% cess) for an assessee on life insurance premium of ₹ 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.
  13. A discount of 5% on your first year premium (for Regular / Limited Premium Payment option) and 2.5% on Single Premium Payment option shall be applicable at the time of buying the plan for a Salaried customer as defined in Company’s Board Approved Underwriting Policy.
  14. 5 years PPT under Limited premium payment option is available only under Life Secure Plan Option. For other plan options minimum PPT under Limited premium payment option will be 10 years.
    5 years PPT with Policy Terms up to 9 years is only available for ages at entry of 35 years and above.
  15. The premium of ₹ 729 mentioned is exclusive of goods and service tax and is an example for a healthy 20 year old male, non-smoker, covered for ₹ 1 crore under plan option ‘Life Secure’ with optional in-built cover opted as Critical Illness Premium Protection Plus with CI cover as 10 Lakhs, monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years for both base cover and optional in-built cover. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  16. 1824 mentioned is exclusive of goods and service tax and is an example for a healthy 30 year old male, non-smoker, covered for ₹ 2 crores under plan option ‘Life Secure’ with the monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on the insured's health, lifestyle, occupation etc.
  17. The premium of ₹ 3618 mentioned is exclusive of goods and service tax and is an example for a healthy 40 year old male, non-smoker, covered for ₹ 2 crores under plan option ‘Life Secure’ with a monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on the insured's health, lifestyle, occupation etc.
  18. The premium of ₹ 1,408 mentioned is exclusive of goods and service tax and is an example for a healthy 25 year old male, non-smoker, covered for ₹ 1 crore under plan option ‘Life Secure’ with optional in-built cover opted as Critical Illness Premium Protection Plus with CI cover as 10 Lakhs and Accidental Death Benefit (ADB) cover as 50 Lakhs, monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years for both base cover and optional in-built cover. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  19. The premium of ₹ 1505 mentioned is exclusive of goods and service tax and is an example for a healthy 40 year old female, non-smoker, covered for ₹ 1 crore under plan option ‘Life Secure’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  20. The premium of ₹ 2234 mentioned is exclusive of goods and service tax and is an example for a healthy 45 year old female, non-smoker, covered for ₹ 1 crore under plan option ‘Life Secure’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  21. The premium of ₹ 1685 mentioned is exclusive of goods and service tax and is an example for a healthy 25 year old male, non-smoker, covered for ₹ 1 crore under plan option ‘Life Secure with Return of Premum’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  22. The premium of ₹ 876 mentioned is exclusive of goods and service tax and is an example for a healthy 20 year old male, smoker, covered for ₹ 1 crore under plan option ‘Life Secure’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  23. The premium mentioned are exclusive of goods and service tax and are an example for a healthy male, non-smoker, covered for ₹ 2 crore under plan option ‘Life Secure’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  24. The premium of ₹ 1242 mentioned is exclusive of goods and service tax and is an example for a healthy 20 year old male, non-smoker, covered for ₹ 1.5 Crore under plan option 'Life Secure' availing the option to cover Spouse (a healthy 20 year old female, non-smoker, working, covered for ₹ 50 Lakh under Plan option 'Life Secure') under the same policy. Mode of payment considered is monthly for both the members, coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered for both the members is 30 years. The premium for spouse includes discount for spouse coverage and female life. Please refer the Sales Brochure for further details. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  25. The premium of ₹ 1,248 mentioned is exclusive of goods and service tax and is an example for a healthy 20-year-old male, non-smoker, covered for ₹ 1.5 crore under plan option ‘Life Secure’ with optional in-built cover opted as Accidental Death Benefit (ADB) cover as 50 Lakhs, monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years for both base cover and optional in-built cover. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  26. The premium mentioned are exclusive of goods and service tax and are an example for a healthy male, non-smoker, covered for ₹ 1 crore under plan option ‘Life Secure’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  27. The premium mentioned are exclusive of goods and service tax and are an example for a male, smoker, covered for ₹ 1 crore under plan option ‘Life Secure’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.
  28. The premium of ₹ 945 mentioned is exclusive of goods and service tax and is an example for a healthy 20 year old male, non-smoker, covered for ₹1 crore under plan option ‘Life Secure’ with optional in-built cover opted as Accidental Death Benefit (ADB) cover as ₹ 50 Lakhs, monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years for both base cover and optional in-built cover. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.

 

~The premium of ₹ 18 mentioned is exclusive of goods and service tax and is an example for a healthy 20 year old male, non-smoker, covered for ₹ 1 crore under plan option ‘Life Secure’ with annual mode of payment and coverage option as ‘level’ for medically underwritten option. Daily Premium mentioned is daily equivalent premium calculated by dividing Annual Premium (₹ 6,739) by 365. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.

 

+The premium of ₹ 607 mentioned is exclusive of goods and service tax and is an example for a healthy 20 year old male, non-smoker, covered for ₹ 1 crore under plan option ‘Life Secure’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.

 

xThe premium of ₹ 1415 mentioned is exclusive of goods and service tax and is an example for a healthy 20 year old male, non-smoker, covered for ₹ 1 crore under plan option ‘Life Secure with Income’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 45 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.

 

^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.

 

@The monthly survival benefit mentioned is an example of Life Assured opting for Sum Assured as 1Cr under Life Secure with Income plan option. Under this plan option, a Monthly Survival Income shall be payable at the beginning of each month, starting from the Policy Anniversary coinciding with or following the Life Assured attaining age 60 years (last birthday) which shall continue till the end of the Policy Term or the death of the Life Assured whichever is earlier. In case of death of the Life Assured during the Policy Term, Sum Assured on Death basis the Coverage option opted, less cumulative monthly income(s) already paid shall be payable. The Policy will terminate after payment of this benefit.

 

#The premium of ₹ 1092 mentioned is exclusive of goods and service tax and is an example for a healthy 30 year old male, non-smoker, covered for ₹ 1 crore under plan option ‘Life Secure’ with optional in-built cover opted as Child Care Benefit (CCB) with CCB cover as 25 Lakhs (for a child aged 1 year, CCB Policy Term and Premium Payment Term as 20 years). Mode of payment is considered as monthly and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years for base cover . Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.

 

$The premium of ₹ 1298 mentioned is exclusive of goods and service tax and is an example for a healthy 25 year old male, non-smoker, covered for ₹ 1 Crore under plan option 'Life Secure' availing the option to cover Spouse (a healthy 25 year old female, non smoker, working, covered for ₹ 1 Crore under Plan option 'Life Secure') under the same policy. Mode of payment considered is monthly for both the members, coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered for both the members is 30 years. The premium for spouse includes discount for spouse coverage and female life. Please refer the Sales Brochure for further details. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.

 

%The premium of ₹ 910 mentioned is exclusive of goods and service tax and is an example for a healthy 20 year old male, non-smoker, covered for ₹ 1.5 crore under plan option ‘Life Secure’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.

 

&The premium of ₹ 1195 mentioned is exclusive of goods and service tax and is an example for a healthy 20 year old male, non-smoker, covered for ₹ 2 crore under plan option ‘Life Secure’ with monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.

 

£For details of listed 40 Critical Illnesses, please refer the Sales Brochure.

€The premium of ₹1,064 mentioned is exclusive of goods and service tax and is an example for a healthy 25 year old male, non-smoker, covered for ₹1 crore under plan option ‘Life Secure’ with optional in-built cover opted as Critical Illness Premium Protection Plus with CI cover as 20 Lakhs, monthly mode of payment and coverage option as ‘level’ for medically underwritten option. The policy term and premium payment term considered is 30 years for both base cover and optional in-built cover. Actual premium rates may vary and will depend on the plan/coverage opted and company's assessment of risk on insured's health, lifestyle, occupation etc.

 

  • BEWARE OF SPURIOUS / FRAUD PHONE CALLS!

  • 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 Life Insurance Co Ltd   |   IRDAI Registration no: 136   |   LPD1YTPCHLNOV23 ENG    |   UIN: 136N087V02
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