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HDFC Life Click2Protect 3D Plus

Objective This term plan aims to protect your loved ones against the financial consequences of the '3Ds', namely death, disease and disability.
What does it do? It pays a predetermined amount to the nominee if the insured person is diagnosed with a terminal illness or dies.
Pros It waives its premiums and continues to operate even if you meet with an accident resulting in a total permanent disability. In its 3D variant, it brings in this waiver and continuity in case of critical illness
Cons Only persons below 65 are eligible to purchase it
Suited for People who have dependents
Our View This term insurance policy which has a useful premium waiver feature incase of permanent disability resulting from an accident. This is also available for critical illness in one of its variants. The policy has several variants allowing you to adapt it to your needs.