HDFC Life is one of the first private life insurers to be granted a license by India’s insurance regulator. It is one of the leading long-term life insurance services providers in the country, offering a wide range of individual and group life insurance products, including protection, pension, saving, investment, and health products. HDFC Life offers pension management services in India through the National Pension System and provides international reinsurance services in its life insurance segment via its Dubai office. HDFC Life has three main business lines: life insurance, pensions, and reinsurance.

This profile offers a review of HDFC Life in terms of its business structure and strategy, its financial performance, and its marketing and distribution activities, before concluding with a SWOT analysis.


  • For 2017-18, HDFC Life’s claim settlement rate was at 97.8% in individual insurance and 99.27% for group insurance claims.
  • In 2018, HDFC Life launched a series of new products, including single premium annuity product HDFC Life Pension Guaranteed Plan, single premium ULIP HDFC Life Classic One, and comprehensive cardiac care plan HDFC Life Cardiac Care.
  • Individual and group annuity revenues almost tripled in 2017, while individual and group health revenues grew by 56%. Individual and group life revenues rose 6%.

Reasons To Buy

  • Learn about HDFC Life’s organizational structure and its core business segments.
  • Gain insight into the group’s underwriting and distribution strategy
  • Understand its advertising strategy.