Promise2Secure

Promise2Secure

Secure their future, cherish the present.

  • Life Cover Till 99 Years
  • Return of Premium Option
  • Option to Block Your Premium Rate
  • Insta-Claim Payout on Death Intimation

Download Brochure Meet Our Advisor

Secure their future, cherish the present.

  • Life Cover Till 99 Years
  • Return of Premium Option
  • Option to Block Your Premium Rate
  • Insta-Claim Payout on Death Intimation

Download Brochure Meet Our Advisor
Daina Mathew - BFSI Content Writer

Written by : Daina Mathew

Rishi Mathur - BFSI Content Reviewer

Reviewed by : Rishi Mathur

Rishi Mathur - BFSI Content Reviewer

Rishi Mathur

Chief Distribution Officer – Alternate Channels & Chief Marketing Officer
With 5 years of experience in the insurance industry, she brings a nuanced understanding of its complexities to her writing. Her expertise allows her to craft clear, insightful content that makes intricate insurance topics accessible and engaging.

Last published : 2026-10-15

Last modified : 2026-10-15

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About Promise2Secure

        UIN: 136N099V01

Canara HSBC Life Insurance Promise2Secure is a Non-Linked, Non-Participating, Individual, Pure Risk Premium Life Insurance Plan designed to offer protection based on your financial needs. It comes with two plan options: Life Secure, which provides life cover throughout the policy term, and Life Secure with Return of Premium, which not only offers life cover during the policy term but also returns the premiums paid if the policyholder survives until the end of the term. In addition, the plan offers a range of coverage options, optional in-built covers and value-added services that can be chosen to suit your specific needs, helping ensure that your loved ones’ dreams and aspirations remain protected.

Plan Options

These are two plan options that offer fixed-term coverage. A customer may choose any one of them basis their protection needs

Life Secure

Under this plan option, the Sum Assured on Death, as applicable based on the chosen Coverage Option, will be payable upon the death of the Life Assured or the Spouse, as applicable, during the Policy Term, provided the policy is in force on the date of death.

Both the Life Assured and the Spouse may be covered for the duration of the contract, subject to the terms and conditions of the policy. The policy will terminate upon the death of the last surviving covered member.

 

 

Life Secure with Return of Premium

Under this plan option, the Sum Assured on Death, as applicable based on the selected Coverage Option, will be paid upon the death of the Life Assured during the policy term. The policy will terminate once this benefit is paid.

If the Life Assured survives until the end of the Policy Term, and the policy is in force at that time, the Sum Assured on Maturity will be paid to the Policyholder on the maturity date, and the policy will then terminate.

Why Buy

Key Highlights Of Canara HSBC Life Insurance Promise2Secure

 

  • Option to get return of total premiums paid in case of no claim
  • No future premiums are required on the occurrence of Accidental Total & Permanent Disability, as per the benefits opted.
  • In-Built waiver of premiums in case of diagnosis of terminal illness.
  • Insta payout on Claim intimation due to death to support your loved ones
  • Additional Lump sum payment in case of Accidental Total & Permanent Disability (Premium Protection Plus), Accidental Death or Critical Illness, as per the benefits opted
  • Child Care Benefit option to offer additional Sum Assured till your child attains 21 years of age
  • Option to Block Your Premium rate at inception and increase cover up to 100% of Base Sum Assured in the next 5 Years
  • Option to increase Sum Assured with 'Level Cover' coverage option in case of Life Stage Enhancement.
  • Option to increase Sum Assured by 10% (simple interest) up to 100% of original Sum Assured with 'Increasing Cover' coverage option.
  • Prepare your Online Will and Plan your legacy
  • Maintain a Healthy lifestyle with our Health and Wellness benefits
  • Special Exit Value where premiums are returned on voluntary surrender basis applicable terms and conditions

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

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 (original Sum Assured is the Sum Assured of base Policy and does not include coverage amount under the Optional In-built Covers). The last increase in the Sum Assured would happen just after the completion of 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.

Sum Assured for Accidental Death Benefit, Accidental Total & Permanent Disability Benefit, Critical Illness and Child Care Benefit opted under optional In-built Covers will remain constant even if Increasing cover is opted.

Following Optional In-Built covers can be opted in addition to the Plan Option. However, Child Care Benefit (CCB) and Block Your Premium Benefit (BYP) can only be opted with Plan Option Life Secure. Please refer to the Product Brochure for further terms and conditions.

Accidental Death Benefit (ADB)This will be an additional benefit i.e. on the occurrence of death due to an Accident, the applicable Sum Assured on Death plus the ADB Sum Assured will be paid and Policy will terminate.
Accidental Total & Permanent Disability (ATPD) – Premium ProtectionIn case of occurrence of Accidental Total & Permanent Disability, all future premiums of the impacted life under the Policy will be waived and all other coverages on this life shall continue for the remaining Policy Term as an in-force Policy.
Accidental Total & Permanent Disability (ATPD) – Premium Protection PlusIn case of occurrence of Accidental Total & Permanent Disability, a lump sum benefit as ATPD Sum Assured will be paid immediately and all future premiums of the impacted life under the Policy will be waived. All other coverages on this life shall continue for the remaining Policy Term as an in-force Policy.
Critical Illness (CI)

If the Life Assured or Working Spouse is diagnosed with any of the 40 covered critical illnesses during the policy term—after completing the waiting period—and survives the required survival period, a lump sum CI Sum Assured will be paid.

If the illness occurs during the policy term but the survival period extends beyond it, the payout will still be made after the survival period, provided the life assured is alive. The payable amount may be the CI Sum Assured, Early Exit Value, or Surrender Value, depending on the policy status.

Child Care Benefit (CCB)This is an additional benefit that can be opted to safeguard a child’s future. Apart from the amount payable on the death of Life Assured/Working Spouse, as applicable, the CCB Sum Assured will also be payable when age of the child is between 0 to 21 Years (last birthday) at the time of death of the impacted life. The CCB Sum Assured may be utilized to take care of all the milestones planned for the child.
Block Your Premium (BYP) BenefitUnder this benefit, Life Assured/Working Spouse, as applicable, will have the option to block their premium rate of base Death Benefit at policy inception for 5 Years during which Life Assured/Working Spouse, as applicable, can request for an increase in benefit amount payable on death (BYP Sum Assured) up to 25%/50%/75%/100% of the Sum Assured, as chosen at policy inception for respective live(s), without any additional underwriting and irrespective of the attained age of the Life Assured / Working Spouse, as applicable, at the time of such increase provided Policy is in-force. This percentage shall be chosen at Policy inception itself.
StepsDetails
1

Select one of the Plan Options as per your Life Insurance needs:

  • Life Secure  
  • Life Secure with Return of Premium
2

Select one of the Coverage option as per your Life Insurance needs:

  • Level Cover
  • Increasing Cover
3

Select the Optional In-built Cover as per your Life Insurance needs:

  • Accidental Death Benefit (ADB)
  • Accidental Total & Permanent Disability Benefit (ATPD) 
    • Premium Protection
    • Premium Protection Plus
  • Child Care Benefit (CCB)     
  • Critical Illness (CI) 
  • Block Your Premium (BYP)
4Option to cover Spouse
5

Select any one of the Death Benefit Payout Options at the time of point of sale:

  • Lumpsum
  • Monthly Income 
  • Part Lumpsum Part Monthly Income
PARAMETERSDESCRIPTION
Plan Options

1. Life Secure

2. Life Secure with Return of Premium

Minimum Age at Entry
(age as on last birthday)		18 years
Maximum Age at Entry
Maximum Entry Age for Life Assured and Working/Non-Working Spouse shall be 60 years last birthday except for PPT option “Up to 60 years” where the Maximum entry age shall be 55 years last birthday under Plan Option “Life Secure” and 50 years last birthday under Plan Option “Life Secure with Return of Premium”.
Maximum Maturity Age
(subject to maximum Policy Term)

99 years (80 Years for Non-Working Spouse) Where Policy Term of up to 99 years of age is opted, the Policy terminates on the Policy Anniversary coinciding with or immediately after the 99th birthday of the Life Assured.

If ATPD PP/ATPD PPP Optional In-Built Covers are opted, maximum maturity of the base plan as well as these Optional In-Built Covers will be 75 years. For CI, it will be 70 years.

However, If ADB Optional In-Built Covers is opted, maximum maturity of the base plan can be 99 years while the maximum maturity of ADB cover will be 75 years in case of Life Secure Plan whereas for Life Secure with Return Of Premium option, the maximum maturity age shall be 75 years for both base as well as ADB.

Minimum Policy Term#

Life Secure$: 5* years

Life Secure with Return of Premium$$: 10 Years

Maximum Policy Term#

Life Secure$: 81 Years (99 minus age at entry)**$$$

Life Secure with Return of Premium$$: 81 Years (99 minus age at Entry)

Premium Payment Term (PPT) #^

Life Secure^^@@:
Regular Pay
Limited Pay options of 5^/10/15/Up to age 60 years@


Life Secure with Return of Premium###:
Regular Pay
Limited Pay options of 10/15/Up to age 60 years

Premium FrequencyYearly/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 alteration.
ModeModal Factors
Annual1.00
Half-Yearly0.51
Quarterly0.26
Monthly0.09
Minimum Sum AssuredLife Secure: ₹ 25 Lakhs
For Optional In-built covers under Life Secure – ADB/ATPD: ₹ 5 Lakhs | CCB/BYP: ₹ 25 Lakhs | CI: ₹ 50,000
Life Secure with Return of Premium: ₹ 15 Lakhs
For Optional In-built covers under Life Secure with Return of Premium – ADB/ATPD: ₹ 5 Lakhs | CI: ₹ ₹ 50,000|
Maximum Sum AssuredNo Limit (Subject to Board Approved Underwriting Policy);
For Non-working Spouse: ₹ 50 Lakhs
Optional In-built Covers (subject to underwriting) for both LA and working spouse
ADB: ₹ 2 Crore
ATPD: ₹ 1 Crore             
CI: ₹ 50 Lakhs

Note:

  • The Sum Assured for Accidental Death Benefit, Accidental Total & Permanent Disability, Critical Illness, Child Care Benefit under Optional In-built Covers can be chosen independently from the Sum Assured opted under the base Plan Option at inception but cannot be more than the same.
  • For Block Your Premium option, the Policy Term of the base Death Benefit should be more than or equal to 10 years.

Premium: The premiums payable will vary basis the chosen Plan Option, Sum Assured, Coverage Option, Premium Payment Term, Policy Term, Premium Payment Frequency, Optional In-built covers, 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.

#Policy Term for Spouse Coverage (as applicable) as well as ATPD / CI benefits will be same as that applicable for base Death Benefit for both the Plan Options.

*5-9 years of Policy Terms are only available for ages at entry of 35 years and above for respective lives (as applicable). The minimum Policy Term applicable for CCB shall be 5 years for ages at entry of 35 years and above for respective lives (as applicable). For ages at entry below 35 years, the minimum Policy Term applicable for CCB shall be 10 years i.e. 5-9 years of Policy Term for CCB shall only be available for ages at entry 35 years and above for respective lives (as applicable).

**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.

$$The Policy Term for ADB benefit shall be same as that applicable for base Death Benefit

$$$The Policy Term for CCB shall be lower of the outstanding PT for the base Death Benefit or 21 minus the Age last birthday of Child of the Life Assured / Working Spouse, as applicable, at the time this option becomes effective.

#^PPT for Spouse Coverage as well as ATPD / CI benefits will be same as that applicable for base Death Benefit

###PPT for ADB benefit will be same as that applicable for base Death Benefit

^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.

^^The Life Assured/Working Spouse shall independently choose the Premium Payment Term for CCB 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 ADB benefits 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 ADB benefits

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