The Linked Insurance products do not allow any withdrawals or surrenders for the first five years. The policyholder bears the investment risk in the investment portfolio.

1. The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to
surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.
In this policy, the investment risk in the investment portfolio is borne by the policyholder.

2. Parents who have a child near their middle
age may have to keep working for another
20-25 years to cover higher education
expenses.
Those who finish having kids in their
20s have more time to prepare for
retirement.

3. The cost of raising a child in today's world is rising exponentially. Thus parents with
many children will have to plan their expenses for a longer duration. With inflation in
consideration, this reduces and delays the retirement savings by several years.

4. This mistake can cost you hundreds of thousands of Rupees in retirement savings
over the years. If you don't begin saving for retirement until age 45, then your
investments have 20 fewer years to grow than for someone who started saving right
out of college.

5. The awarness and interest in different financial instruments plays a great role in
proper retirement planning. In case one doesn’t possess the knowledge, seeking
professional help from a financial advisor can sort your financial planning and help
you save for better retirement corpus.

6. As per statistics people born between 1946 & 1954 own some type of tax-deferred
retirement account, while those born between 1928 & 1945 have the most retirement
assets. Younger age group have fewer retirement assets, with GenY having the least.

7. Doctors, lawyers and other high-income professionals may be able to save higher
amount a year in their later years. Low income workers must depend much more on
starting an early savings plan in order to allow their assets to grow.

8. You save more, if your parents instilled thrifty habits in you. Those who understand
the value of savings would stack away money in retirement plans than those who
grew up in poverty and have no concept of savings or money management.

9. Hence not to hamper your lifestyle even after you retire, a sufficient amount of fund
needs to be there for us. To accumulate a sizeable amount of fund to enjoy your
golden post-retirement years, we have a suitable plan that will help you plan your
retirement - HDFC Life Click2 Retire

11. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
IRDAI clarifies to public that
• IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
• IRDAI does not announce any bonus.
• Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
HDFC Standard Life Insurance Company Limited. In partnership with Standard Life Plc. CIN: U99999MH2000PLC128245, IRDAI Reg. No. 101
Registered Office: HDFC Standard Life Insurance Company Limited, Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011.
Email: Buyonline@HDFCLife.in, Tel No: 1800-266-9777 (9 am to 9 pm).
Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding
a sale. HDFC Life Click 2 Retire (UIN No: 101L108V01, Form No: P501-131) is a Unit linked online pension plan. Unit Linked Life Insurance products are different from the traditional
insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs
of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Standard Life
Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Click 2 Retire (UIN No: 101L108V01, Form No: P501-
131) is only the name of the unit linked life insurance contract. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the
contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. The
various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. "The name/letters "HDFC"
in the name/logo of the Company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a license/agreement." ARN:MC/05/2016/7912