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Life Insurance Partner

HDFC Life Insurance

HDFC Life is a leading private life insurer offering protection, annuity, savings and group solutions.

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Company Facts
Founded 2000

Operating in the Indian market since 2000

Mumbai

Registered and headquartered in Mumbai

Ownership

HDFC Bank group, listed

IRDAI Registered

Licensed life insurer regulated by IRDAI

2000Founded
MumbaiHeadquarters
LifeInsurance Segment
IRDAIRegistered Insurer
Profile

About HDFC

HDFC Life is a leading private life insurer offering protection, annuity, savings and group solutions. It is consistently among the top private players by new business premium and maintains one of the strongest claim settlement records in the life segment.

Full NameHDFC Life Insurance
SegmentLife Insurance
Founded2000
HeadquartersMumbai
OwnershipHDFC Bank group, listed
Official Websitehdfclife.com
Placement

Lines We Place With HDFC

We place gratuity and retirement-fund mandates with HDFC Life more than any other single line, alongside group term for employers who want a listed, widely rated counterparty.

01
Gratuity & Retirement Funding
Funding solutions for statutory gratuity and superannuation obligations.
02
Group Term Life
Annually renewable group term schemes giving employees meaningful life cover at employer-negotiated rates.
03
Employee Benefit Schemes
Structured benefit programmes that help employers attract and retain talent.
04
Key Person Cover
Term protection on founders and critical executives, with sums insured matched to their economic value.
05
Credit & Loan Cover
Group credit life that extinguishes outstanding loans if a borrower or promoter dies during the term.
06
Promoter & Partner Protection
Buy-sell funding and partnership insurance so a death does not destabilise the shareholding.
Claims

Claims Track Record

99.68%of individual death claims settled in FY2024-25, by number of policies (19,729 claims)

By benefit amount the ratio was 97.96%. FY2023-24: 99.5%, FY2022-23: 99.39%. Ranked 3 of 22 life insurers on number of claims settled. Source: IRDAI Handbook on Indian Insurance Statistics 2024-25, Table 15, published by IRDAI on 3 February 2026. Claim settlement ratio of every life insurer in India.

Solvency ratio 1.94 as at March 2025, against IRDAI's minimum of 1.50 (1.87 a year earlier): whether it could still pay after a very bad year. Solvency ratio of every insurer.

Insurer selection at RFS is never based on a single metric. We weigh claims behaviour on risks like yours, wording quality, engineering support and pricing before recommending a market.

Want HDFC on your shortlist?

Tell us about your risk and we will tell you honestly whether HDFC is the right market for it, and at what terms.

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Insurer Network

More Insurers We Work With

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Aditya Birla Sun Life Insurance
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Company names and logos belong to their respective owners and are shown to identify insurers RFS places business with. RFS is an independent insurance advisory firm and is not affiliated with or endorsed by any insurer.