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I have bought HDFC Life's Sampoorn Samridhi Life Insurance plan and paying premium Rs.3000 per month for 5 year term. Sum Assured is Rs. 1,50,000/-. As per plan maturity benefit has two option - Enhanced Cash or Enhanced cover.
Please suggest - which option is best for me and what is the maturity value I would get?
As per HDFC Life's Sampoorn Samridhi, both options has following benefits -
1. Enhanced Cash Option- Sum Assured + Reversionary Bonus + any Interim Bonus + any Terminal Bonus + Enhanced Terminal Bonus.
2. Enhanced Cover Option- Sum Assured + Reversionary Bonus + any Interim Bonus + any Terminal Bonus + Additional Sum Assured payable on Death of Life Insured upto the age of 99 years.
Check what you want and select.
To me on papers second option - Enhanced Cover Option, looks better than first.