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About Legacy Builder
A Unit Linked, Non-Participating, Individual, Pension Plan
UIN: 136L095V01
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
In the midst of your busy working years, you're focused on providing the best for your family. But planning for your own future is just as important. This plan empowers you to build a retirement corpus helping you create a steady income stream for your golden years. It’s a smart step toward financial independence and peace of mind after retirement. Presenting Canara HSBC Life Insurance Legacy Builder, a product that provides the benefit of equity participation to potentially enhance your retirement corpus.
Key Highlights of Legacy Builder
- Opportunity to enhance your corpus through market-linked and build a retirement corpus.
- Option to choose retirement age and premium payment term as per your requirements
- Unlimited free switches are allowed during the policy term
- Partial Withdrawals to provide you with flexibility in case of major life events or in case of any critical illness
- Option to boost the corpus further by adding top-up premiums as per convenience
- Loyalty Additions and Maturity Booster to enhance your retirement corpus
Note: Please refer Product Brochure for further details
Benefits
Death Benefit
Higher of:
- Fund Value including Top-up Fund value (if any), if any, as on date of intimation of death, or
- 105% of all Premiums paid (including top-up premiums if any) up to the date of death
The policy terminates on payment of death benefit
Vesting Benefit
On survival till the maturity date/vesting Date of the Policy, the Fund value sis payable to the policyholder and the Policy will terminate.
Maturity Booster
This plan offers fund value related maturity boosters at the end of policy term.
Choice of Funds
Choose from 3 Unit Linked Funds to cater to your investment needs. You can allocate your Premium to any, all or a combination of the Unit Linked Funds as per your risk preference.
- Pension Equity Band
- Pension Nifty Alpha 50 Index Fund
- Pension Debt Fund
How the Plan Works?
Step 1: Decide when you want to retire
Think about the age you'd like to stop working and start enjoying life on your terms
Age criteria
Parameters | Minimum | Maximum |
Entry Age | 18 years | 65 years |
Vesting Age | 40 years | 85 years |
Step 2: Choose how long you want to pay (Premium paying term)
You decide how many years you want to contribute to your pension plan. The longer you pay, the more you save.
Parameters | Description |
Premium Paying Term (PPT) | Single pay Limited pay: 5 - 25 years Regular pay |
Policy Term | Vesting age less entry age, subject to following conditions:
|
Step 3: Select the premium payment mode and amount
Decide the premium payment mode depending upon your needs
Choose the premium amount you want to invest for the chosen premium payment term
(All Figures in Rupees)
Premium Payment Mode | Minimum Premium | Maximum Premium |
Single Pay | 5,00,000 | No Limit |
Annual | 12,000 | |
Half-Yearly | 6,000 | |
Quarterly | 1,000 |
Top-Up: Minimum - Rs. 10,000
Step 4: Select the fund based on your risk appetite
Step 5: Let your retirement corpus (vesting benefit) grow towards a worry-free retirement
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