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Promise4Life

Promise4Life

A Lifetime of Protection with Regular Income for Your Dreams
 
  • Three Plan Options
  • Whole Life Cover up to Age 100
  • Guaranteed Income + Cash Bonuses
  • Savings Wallet & Premium Offset Feature

A Lifetime of Protection with Regular Income for Your Dreams
 
  • Three Plan Options
  • Whole Life Cover up to Age 100
  • Guaranteed Income + Cash Bonuses
  • Savings Wallet & Premium Offset Feature

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Application Status

Name

Date of Birth

Plan Name

Status

Unclaimed Amount of the Policyholder as on

Name of the policy holder

Policy Holder Name

Policy No.

Policy Number

Address of the Policyholder as per records

Address

Unclaimed Amount

Unclaimed Amount

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About Promise4Life

A Non-Linked Participating Individual Life Insurance Savings Plan

UIN - 136N120V01

As life evolves, so do your dreams, protecting your family, planning for retirement, and leaving a lasting legacy. In a world of uncertainties, financial security is the foundation for confidence. From everyday expenses to your children’s education and unforeseen events, a steady income matters. Because smart planning isn’t just about today, it’s about tomorrow.

Introducing Canara HSBC Life Insurance Promise4Life, a Non-Linked Participating Individual Life Insurance Savings Plan designed to give you Guaranteed Income, Lifelong Protection and Flexibility to achieve your goals.

Choose a Plan Option

Depending upon your financial need, you can select your plan option (any ONE) from the following available options under this product.

  • Guaranteed Income from the 1st policy year till age 100
  • Lifelong protection with whole life coverage
  • Flexibility to receive income in advance or arrears
  • Smart features like Savings Wallet and Premium Offset
  • Tax benefits as per applicable laws
  • Create a substantial corpus for legacy planning
  • Lump sum maturity benefit at age 100
  • Ideal for long-term wealth creation
  • Tax benefits as per applicable laws
  • Guaranteed Income for Limited Term of 20, 25, or 30 years
  • Perfect for life’s key milestones like education or retirement
  • Smart features like Savings Wallet and Premium Offset
  • Tax benefits as per applicable laws

Forever Income

Why Buy?

  • A smart plan for lifelong financial security
  • Whole life coverage up to age 100 for complete peace of mind
  • Guaranteed Income from the 1st policy year under this option
  • Flexibility to choose from three plan options for different life goals
  • Savings Wallet to accumulate benefits
  • Premium Offset option to use income payouts to offset future premiums
  • High Premium Incentives
  • Tax benefits as per prevailing laws

Short Term Income

Policy Document
Customer Information Sheet
Product Brochure

Death Benefit
 

  • Sum Assured on Death PLUS Interim Cash Bonus (if any)
  • Further, the Death Benefit will be at least equal to Surrender Value
  • PLUS, any balance in Savings Wallet

Maturity Benefit
 

  • Guaranteed Sum Assured on Maturity PLUS Terminal Bonus (if any)
  • PLUS, any balance in Savings Wallet

Survival Benefit
 

  • Guaranteed Income from 1st policy year till age 100 PLUS Cash Bonus (if any) annually in arrears

How the Plan Works

You can customize the policy to suit your financial goals and requirements in just 4 simple steps:

Step 1: Choose how much you want to save. This will determine your premium.

Step 2: Select your Plan Option (Forever Income, Century Milestone, or Assured Term Income), Policy Term, Premium Payment Term, and premium payment mode.

Step 3: Your benefits (Guaranteed Income, Cash Bonus (if any) or Lump Sum) will be determined based on your age at entry, chosen plan option, and premium amount.

Example:
At 35, Arjun dreams of giving his family a life of comfort and ensuring his children never have to worry about finances, even decades from now. To turn this dream into reality, he chooses the Forever Income option with the following details as below: -

Policy Term

Till Age 100

Mode of Payment

Annual

Premium Payment Term

10

Guaranteed Income Payout Mode

Annual

Annualized Premium

1,00,000

Income Benefit/ Cash Bonus Payment Mode

Advance

 

He commits to an annual premium of ₹1,00,000 for 10 years, knowing that this disciplined step today will create lifelong security. From the very first policy year, Arjun starts receiving a Guaranteed Income of ₹14,499 annually, plus a Cash Bonus of ₹21,000 (if any). This steady income helps him fund a family vacation every alternate year and enjoy life without feeling any financial stress

Years pass, and Arjun watches his children grow, graduate, and settle into their own lives, all supported by the financial cushion he created. Finally, on his 100th birthday, Arjun celebrates not just a century of life but also a lump sum maturity benefit of ₹1,10,10,000. His foresight ensures a legacy for generations to come.

Projection atAnnualized PremiumSum AssuredTotal Premiums Paid (Rs)  Guaranteed Income (Rs) till 100 years of age (yearly)Cash Bonus (Rs.) at 8% till 100 years of age (yearly)Guaranteed Sum Assured on MaturityTerminal Bonus Total Maturity Benefit (Rs.) at
8%1,00,00011,00,00010,00,00014,49921,00010,00,0001,00,10,0001,10,10,000
4%1,00,00011,00,00010,00,00014,499-10,00,00020,90,00030,90,000
Feature
Option 1: Forever Income
Option 2: Century Milestone
Option 3: Assured Term Income

Minimum Entry Age

0 years (30 days)

Maximum Entry Age

50 years (PPT 5), 60 years (PPT 7), 65 years (PPT 10 & 12)

Premium Payment Term (PPT)

5 / 7 / 10 / 12 years

Policy Term

100 minus age at entry

20, 25, or 30 years

Maturity Age

100 years

Min: 20 years | Max: 95 years

Annual Premium – Minimum

₹50,000

₹50,000

₹36,000

Minimum Annual Premium – Non Annual Mode (in Rs)

₹60,000

₹60,000

₹39,600

Maximum Annual Premium

No limit as per BAUP

Premium Payment Modes

Annually / Half-Yearly / Quarterly / Monthly

Modal Factors

Premium: Yearly: 1.00 | Half-Yearly: 0.51 | Quarterly: 0.26 | Monthly: 0.09

Income: Yearly: 1.00 | Half-Yearly: 0.49 | Quarterly: 0.24 | Monthly: 0.08

Sum Assured11 Times of Annualized Premium

Guaranteed Income Frequency

Annually, Half-Yearly, Quarterly, Monthly

-

Annually, Half-Yearly, Quarterly, Monthly

Cash Bonus

Cash Bonuses (if any) are payable in arrears and annually

-

Cash Bonuses (if any) are payable in arrears and annually

Other Features

Savings Wallet, Premium Offset Option

-

Savings Wallet, Premium Offset Option

Other Benefits

Loan Facility

To meet any contingent need, you may avail the loan facility in this plan, once the policy acquires a Surrender Value.

Tax Benefit

You may be entitled for tax benefits in accordance with the provision of Income Tax Act, 1961 as amended from time to time. Please consult your independent tax advisor for tax related queries.

Century Milestone

Why Buy?
 

  • A smart plan for lifelong financial security
  • Whole life coverage up to age 100 for complete peace of mind
  • Create a substantial corpus and receive a lump sum maturity benefit at age 100
  • High Premium Incentives
  • Tax benefits as per prevailing laws

Long Term Income

Policy Document
Customer Information Sheet
Product Brochure

Death Benefit
 

  • Sum Assured on Death PLUS Accrued Annual Reversionary Bonuses (if any) PLUS Interim Annual Reversionary Bonus (if any)
  • Further, the Death Benefit will be at least equal to the Surrender Value
     

Maturity Benefit
 

  • Guaranteed Sum Assured on Maturity PLUS Accrued Annual Reversionary Bonuses (if any) PLUS Terminal Bonus (if any)

You can customize the policy to suit your financial goals and requirements in just 4 simple steps:

Step 1: Choose how much you want to save. This will determine your premium.

Step 2: Select your Plan Option (Forever Income, Century Milestone, or Assured Term Income), Policy Term, Premium Payment Term, and premium payment mode.

Step 3: Your benefits (Guaranteed Income, Cash Bonus (if any) or Lump Sum) will be determined based on your age at entry, chosen plan option, and premium amount.

Feature
Option 1: Forever Income
Option 2: Century Milestone
Option 3: Assured Term Income

Minimum Entry Age

0 years (30 days)

Maximum Entry Age

50 years (PPT 5), 60 years (PPT 7), 65 years (PPT 10 & 12)

Premium Payment Term (PPT)

5 / 7 / 10 / 12 years

Policy Term

100 minus age at entry

20, 25, or 30 years

Maturity Age

100 years

Min: 20 years | Max: 95 years

Annual Premium – Minimum

₹50,000

₹50,000

₹36,000

Minimum Annual Premium – Non Annual Mode (in Rs)

₹60,000

₹60,000

₹39,600

Maximum Annual Premium

No limit as per BAUP

Premium Payment Modes

Annually / Half-Yearly / Quarterly / Monthly

Modal Factors

Premium: Yearly: 1.00 | Half-Yearly: 0.51 | Quarterly: 0.26 | Monthly: 0.09

Income: Yearly: 1.00 | Half-Yearly: 0.49 | Quarterly: 0.24 | Monthly: 0.08

Sum Assured11 Times of Annualized Premium

Guaranteed Income Frequency

Annually, Half-Yearly, Quarterly, Monthly

-

Annually, Half-Yearly, Quarterly, Monthly

Cash Bonus

Cash Bonuses (if any) are payable in arrears and annually

-

Cash Bonuses (if any) are payable in arrears and annually

Other Features

Savings Wallet, Premium Offset Option

-

Savings Wallet, Premium Offset Option

Other Benefits

Loan Facility

To meet any contingent need, you may avail the loan facility in this plan, once the policy acquires a Surrender Value.

Tax Benefit

You may be entitled for tax benefits in accordance with the provision of Income Tax Act, 1961 as amended from time to time. Please consult your independent tax advisor for tax related queries.

Assured Term Income

Why Buy

Why Buy?

 

  • A smart plan which offers fixed-term income options, ensuring you have the funds when you need them most
  • Guaranteed Income from the 1st policy year under this option
  • Flexibility to choose from three plan options for different life goals
  • Savings Wallet to accumulate benefits
  • Premium Offset option to use income payouts to offset future premiums
  • High Premium Incentives
  • Tax benefits as per prevailing laws

Early Income

Policy Document
Customer Information Sheet
Product Brochure

Death Benefit
 

  • Sum Assured on Death PLUS Interim Cash Bonus (if any)
  • PLUS any balance in Savings Wallet
  • Further, the Death Benefit will be at least equal to the Surrender Value

Maturity Benefit
 

  • Guaranteed Sum Assured on Maturity PLUS Terminal Bonus (if any)
  • PLUS any balance in Savings Wallet

Survival Benefit
 

  • Guaranteed Income from end of 1st policy year till end of chosen term (20/25/30 years)
  • PLUS Cash Bonus (if any) annually in arrears
  • PLUS any balance in Savings Wallet

You can customize the policy to suit your financial goals and requirements in just 4 simple steps:

Step 1: Choose how much you want to save. This will determine your premium.

Step 2: Select your Plan Option (Forever Income, Century Milestone, or Assured Term Income), Policy Term, Premium Payment Term, and premium payment mode.

Step 3: Your benefits (Guaranteed Income, Cash Bonus (if any) or Lump Sum) will be determined based on your age at entry, chosen plan option, and premium amount.

Feature
Option 1: Forever Income
Option 2: Century Milestone
Option 3: Assured Term Income

Minimum Entry Age

0 years (30 days)

Maximum Entry Age

50 years (PPT 5), 60 years (PPT 7), 65 years (PPT 10 & 12)

Premium Payment Term (PPT)

5 / 7 / 10 / 12 years

Policy Term

100 minus age at entry

20, 25, or 30 years

Maturity Age

100 years

Min: 20 years | Max: 95 years

Annual Premium – Minimum

₹50,000

₹50,000

₹36,000

Minimum Annual Premium – Non Annual Mode (in Rs)

₹60,000

₹60,000

₹39,600

Maximum Annual Premium

No limit as per BAUP

Premium Payment Modes

Annually / Half-Yearly / Quarterly / Monthly

Modal Factors

Premium: Yearly: 1.00 | Half-Yearly: 0.51 | Quarterly: 0.26 | Monthly: 0.09

Income: Yearly: 1.00 | Half-Yearly: 0.49 | Quarterly: 0.24 | Monthly: 0.08

Sum Assured11 Times of Annualized Premium

Guaranteed Income Frequency

Annually, Half-Yearly, Quarterly, Monthly

-

Annually, Half-Yearly, Quarterly, Monthly

Cash Bonus

Cash Bonuses (if any) are payable in arrears and annually

-

Cash Bonuses (if any) are payable in arrears and annually

Other Features

Savings Wallet, Premium Offset Option

-

Savings Wallet, Premium Offset Option

Other Benefits

Loan Facility

To meet any contingent need, you may avail the loan facility in this plan, once the policy acquires a Surrender Value.

Tax Benefit

You may be entitled for tax benefits in accordance with the provision of Income Tax Act, 1961 as amended from time to time. Please consult your independent tax advisor for tax related queries.