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promise2protect

Promise2Protect

Promise2Protect your family's dreams against life's surprises.

  • Two Plan Options
  • Increasing Cover’ Option
  • Add Spouse in Your Policy 
  • Flexible Payout Options

Promise2Protect your family's dreams against life's surprises.

  • Two Plan Options
  • Increasing Cover’ Option
  • Add Spouse in Your Policy 
  • Flexible Payout Options

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*Terms and Conditions Apply

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

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About Promise2Protect

UIN: 136N091V01

Life Insurance can provide you the confidence that your loved ones will have financial stability in case of your absence. A term plan is a type of life insurance policy that offers life cover for a defined period and is an important financial companion which would pay a lump sum amount at the covered incidence of the life assured during the defined policy term. With this important financial need in mind, we introduce Canara HSBC Life Insurance Promise2Protect, which stands as your insurance companion towards financial security.

Canara HSBC Life Insurance Promise2Protect is a Non-Linked, Non-Participating, Individual, Pure Risk Premium, Life Insurance Plan which provides two options to choose from basis your financial need. Life Secure which offers life cover for the policy term and Life Secure with Return of Premium which in addition to life cover during the policy term offers return of premiums on survival till the end of the policy term. The plan provides option of life coverage till 80 years, covering spouse in the same policy, multiple premium payment options including short tenure like 5 or 10 years as well as option to pay during your working years i.e. till you reach the age of 60.

Download Brochure

Key Highlights of Promise2Protect

  • Multiple options for coverage, premium payment and benefit payouts helps you build the right plan for your needs
  • Option to get return of total premiums paid in case of no claim under ‘Life Secure with Return of Premium’
  • Increase your life cover during Life Stage Enhancements (i.e. in the event of Marriage, Birth/Legal Adoption of Child or purchase of new house) and protection needs in the same plan by augmenting cover at key life milestones
  • ‘Increasing Cover’ Option that allows increase in Sum Assured by 10% (simple interest) up to 100% of original Sum Assured with coverage option
  • Multiple options to receive benefits as lump-sum, monthly income or part lump-sum part monthly income with the option to choose both level / increasing income
  • Special Exit Value where premiums are returned on voluntary surrender, basis applicable terms and conditions
  • Option of adding Spouse in the same policy with a discount on the rates for the Spouse under Life Secure plan option
  • Multiple premium payment options, including regular payment, payment for a limited duration of 5/10/15 years or pay only during your working years i.e. till you are 60 years old

Note: Benefits will be available as per plan option and coverages selected. Please refer Product Brochure for further details

Choose a Plan Option

Depending upon your protection need, you can select your plan option from the following available options under this product.

Under this plan option, the Sum Assured on Death, as applicable basis the Coverage Option opted, will be paid on death of Life Assured/Spouse, as applicable, during the Policy Term, provided the Policy is in-force at the time of death.
 
Both the Life Assured and the Spouse can be covered for the term of the contract, subject to terms and conditions of the Policy. The policy will terminate on the death of the last surviving member covered under the policy.
Under this plan option, the Sum Assured on Death, as applicable basis the Coverage Option opted, will be paid on death of Life Assured during the Policy. The Policy will terminate after payment of this benefit.
 
In case of survival of Life Assured till the end of the Policy Term, where the policy is in-force, Sum Assured on Maturity will be paid to the Policyholder on the date of maturity and Policy will terminate.

Life Secure

Level Cover

Your Sum Assured remains same throughout the Policy Term. However, if you or your spouse (Working Spouse) have opted for regular premium payment, then their respective Sums Assured can be increased thrice during the Policy Term with Life Stage Enhancement option on any of the following life events i.e. Marriage, Birth/Legal Adoption of Child or purchase of new house during the Policy Term, subject to underwriting, on the occurrence of any of the Life events.

The request for the increase in Sum Assured along with targeted increase should be made within one year of the occurrence of the Life Event with the increase in Sum Assured being applicable from the next Policy Anniversary following acceptance of the request by the Company for the same.

Increasing Cover

Your Sum Assured under this option increases by 10% per annum (simple interest) after completion of every Policy Year, provided the Policy is in-force. The increase in Sum Assured during the Policy Term is capped at 100% of the original Sum Assured. The last increase in the Sum Assured would happen just after the completion of the 10th Policy Year and the Sum Assured thereafter would remain at that level for the remaining term of the contract.

The Sum Assured of the Non-Working Spouse will remain constant throughout the Policy Term.

Download Forms

Product Brochure
Policy Document
Customer Information Sheet

A. Customize your plan to suit your insurance requirements

StepDetails
Select one of the plan optionsOption 1: Life Secure
Option 2: Life Secure with Return of Premium
Select one of the coverage optionsLevel Cover
Increasing Cover
Option to cover Spouse, if neededApplicable under Life Secure Plan Option and Can be opted at Policy Inception only
Carefully select any one of the Benefit Payout Options. Once selected, this cannot be changed post policy issuance 
  • Lumpsum
  • Monthly Income
  • Part Lumpsum & Part Monthly Income

    For Part Lumpsum and Part Monthly Income, choose the proportion 25% / 75%, 50% / 50% or 75% / 25%. Within Monthly Income, choose level / increasing (at 5% p.a. or at 10% p.a.) Monthly Income and choose to receive it in equal monthly installments over 60 months. 

B. Once you have tailored the plan based on your needs,

- Choose your Sum Assured, Policy Term, Premium Payment Term and Premium Payment Mode

- Provide your details like age, gender, health status, lifestyle habits, tobacco/alcohol consumption behaviour and occupation

- Generate your premium quote and share remaining relevant personal information regarding occupation, lifestyle and health; and details of your nominee, if applicable

ParametersDescription
Plan Options1. Life Secure
2. Life Secure with Return of Premium

Minimum Age at Entry

(age as on last birthday)

18 years
Maximum Age at Entry (age as on last birthday)60 years
For PPT option “Up to 60 years”
Life Secure: 55 years
Life Secure with Return of Premium: 50 years

Maximum Maturity Age

(subject to maximum Policy Term)

80 Years

For example, if Age at Entry of Life Assured is 45 years, a maximum Policy Term of 35 years can be selected where only Death Benefit is opted.

Minimum Policy

Term

Life Secure: 5 years^

Life Secure with Return of Premium: 10 Years
Maximum Policy Term

Life Secure: 80 Years - (age at entry)

** Life Secure with Return of Premium: 80 Years - (age at Entry)

Premium Payment

Term (PPT)^

Life Secure:
Regular Pay – Same as Policy Term
Limited Pay - 5^/10/15/Up to age 60 years@


Life Secure with Return of Premium:
Regular Pay – Same as Policy Term
Limited Pay - 10/15/Up to age 60 years

 Yearly/Half Yearly/Quarterly/Monthly The Policyholder may change the premium payment mode anytime during the PPT under Life Secure Plan Option. The same shall be effective from the subsequent Policy Anniversary date, subject to application of modal factor. The request should be made at least 60 days prior to the Policy Anniversary, from which the change will be effective. There is no fee on such an alteration.

 

 

Premium Payment Term & Policy Term (in years)

ModeModal Factors
Annual1.00
Half-Yearly0.51
Quarterly0.26
Monthly0.09
Minimum Sum AssuredLife Secure (Life Assured/Working Spouse/Non-Working Spouse): ₹ 25 Lakhs
Life Secure with Return of Premium (Life Assured): ₹ 15 Lakhs
Maximum Sum Assured

No Limit (Subject to Board Approved Underwriting Policy)

For Non-working Spouse: ₹ 50 Lakhs

PremiumThe premiums payable will vary basis the chosen Plan Option, Sum Assured, Coverage Option, Premium Payment Term, Policy Term, Premium Payment Frequency, age, gender of the Life Assured / Spouse, tobacco usage and any other factors depending upon the risks associated with the health of the Life Assured / Spouse, subject to Board Approved Underwriting Policy.

**Where both Life Assured and Spouse are covered under the policy, Age at Entry for calculating maximum Policy Term is the higher of the Age (last birthday) of the Life Assured and Working/Non-Working Spouse (where applicable) at the time of policy inception.

^5 years PPT with Policy Terms up to 9 years is only available for ages at entry of 35 years and above for respective lives (as applicable).

@This option is not available if Spouse coverage (working or non-working) is selected.

Life Secure with ROP

Level Cover

Your Sum Assured remains same throughout the Policy Term. However, if you or your spouse (Working Spouse) have opted for regular premium payment, then their respective Sums Assured can be increased thrice during the Policy Term with Life Stage Enhancement option on any of the following life events i.e. Marriage, Birth/Legal Adoption of Child or purchase of new house during the Policy Term, subject to underwriting, on the occurrence of any of the Life events.

The request for the increase in Sum Assured along with targeted increase should be made within one year of the occurrence of the Life Event with the increase in Sum Assured being applicable from the next Policy Anniversary following acceptance of the request by the Company for the same.

Increasing Cover

Your Sum Assured under this option increases by 10% per annum (simple interest) after completion of every Policy Year, provided the Policy is in-force. The increase in Sum Assured during the Policy Term is capped at 100% of the original Sum Assured. The last increase in the Sum Assured would happen just after the completion of the 10th Policy Year and the Sum Assured thereafter would remain at that level for the remaining term of the contract.

The Sum Assured of the Non-Working Spouse will remain constant throughout the Policy Term.

Download Forms

Product Brochure
Policy Document
Customer Information Sheet

A. Customize your plan to suit your insurance requirements

StepDetails
Select one of the plan optionsOption 1: Life Secure
Option 2: Life Secure with Return of Premium
Select one of the coverage optionsLevel Cover
Increasing Cover
Option to cover Spouse, if neededApplicable under Life Secure Plan Option and Can be opted at Policy Inception only
Carefully select any one of the Benefit Payout Options. Once selected, this cannot be changed post policy issuance 
  • Lumpsum
  • Monthly Income
  • Part Lumpsum & Part Monthly Income

    For Part Lumpsum and Part Monthly Income, choose the proportion 25% / 75%, 50% / 50% or 75% / 25%. Within Monthly Income, choose level / increasing (at 5% p.a. or at 10% p.a.) Monthly Income and choose to receive it in equal monthly installments over 60 months. 

B. Once you have tailored the plan based on your needs,

- Choose your Sum Assured, Policy Term, Premium Payment Term and Premium Payment Mode

- Provide your details like age, gender, health status, lifestyle habits, tobacco/alcohol consumption behaviour and occupation

- Generate your premium quote and share remaining relevant personal information regarding occupation, lifestyle and health; and details of your nominee, if applicable

ParametersDescription
Plan Options1. Life Secure
2. Life Secure with Return of Premium

Minimum Age at Entry

(age as on last birthday)

18 years
Maximum Age at Entry (age as on last birthday)60 years
For PPT option “Up to 60 years”
Life Secure: 55 years
Life Secure with Return of Premium: 50 years

Maximum Maturity Age

(subject to maximum Policy Term)

80 Years

For example, if Age at Entry of Life Assured is 45 years, a maximum Policy Term of 35 years can be selected where only Death Benefit is opted.

Minimum Policy

Term

Life Secure: 5 years^ Life Secure with Return of Premium: 10 Years
Maximum Policy Term

Life Secure: 80 Years - (age at entry)

** Life Secure with Return of Premium: 80 Years - (age at Entry)

Premium Payment

Term (PPT)^

Life Secure:
Regular Pay – Same as Policy Term
Limited Pay - 5^/10/15/Up to age 60 years@


Life Secure with Return of Premium:
Regular Pay – Same as Policy Term
Limited Pay - 10/15/Up to age 60 years

 Yearly/Half Yearly/Quarterly/Monthly The Policyholder may change the premium payment mode anytime during the PPT under Life Secure Plan Option. The same shall be effective from the subsequent Policy Anniversary date, subject to application of modal factor. The request should be made at least 60 days prior to the Policy Anniversary, from which the change will be effective. There is no fee on such an alteration.

 

 

Premium Payment Term & Policy Term (in years)

ModeModal Factors
Annual1.00
Half-Yearly0.51
Quarterly0.26
Monthly0.09
Minimum Sum AssuredLife Secure (Life Assured/Working Spouse/Non-Working Spouse): ₹ 25 Lakhs
Life Secure with Return of Premium (Life Assured): ₹ 15 Lakhs
Maximum Sum AssuredNo Limit (Subject to Board Approved Underwriting Policy) For Non-working Spouse: ₹ 50 Lakhs
PremiumThe premiums payable will vary basis the chosen Plan Option, Sum Assured, Coverage Option, Premium Payment Term, Policy Term, Premium Payment Frequency, age, gender of the Life Assured / Spouse, tobacco usage and any other factors depending upon the risks associated with the health of the Life Assured / Spouse, subject to Board Approved Underwriting Policy.

**Where both Life Assured and Spouse are covered under the policy, Age at Entry for calculating maximum Policy Term is the higher of the Age (last birthday) of the Life Assured and Working/Non-Working Spouse (where applicable) at the time of policy inception.

^5 years PPT with Policy Terms up to 9 years is only available for ages at entry of 35 years and above for respective lives (as applicable).

@This option is not available if Spouse coverage (working or non-working) is selected.