A Quick List on Life events when one needs to re-evaluate their financial planning and upgrade to cater to new goals and events.

2. 1. You Get A New Job
You’ve graduated and just got your first real job. A
critical concern at this time is managing your
cashflow. Even if it’s the first job, you start saving
and investing now and avail a certain growth rate
that will help you sustain.
Life Insurance may not sound attractive at this
moment. But one can utilize cheaper premium
rate owing to young age

3. 2. Marriage
Marriage can have a big impact on your personal
finances. You now have a dependant or
independent spouse but you need to plan for
future investments together.
Insurance becomes a key product to add on to
your financial portfolio

4. 3. Home Ownership
Purchasing a home is a significant financial decision.
Whether or not you already own a home, you need
to find information that will help you make informed
decisions. One must also plan and be financially
prepared to overcome the problem of down
payment.

5. 4. Expecting A New Arrival In The
Family
When a new baby arrives, life gets a little more
complicated. Try to fit in some financial planning
at some point to jumpstart the process of
expenses that a baby has.
Not only immediate expenses but child’s future
cost of education and marriage needs to be
gradually figured. Life Insurance becomes a must-
have to ensure your family’s financial security.

6. 5. Planning Higher Education &
Training
Higher education can be a great investment in the
future. Be financially prepared for your children to
pursue college education and a career abroad.

7. 6. When You Retire
Retirement is considered a pivotal financial
moment in a person’s life. If you haven’t already
worked with a financial planner to figure out your
plans and budget, then you should do so now – the
earlier the better.

8. 7. Sudden Demise Of A Family
Member
Unexpected events can have far reaching impact,
including impact on finances and may result in the
need to make challenging financial decisions.

9. Manage income more effectively through planning. Managing income helps you understand how
much money you'll need for tax payments*, other monthly expenditures and savings, while planning
for future expenses and contingencies.
HDFC Life provides a range of plans that can help you achieve your financial goals at different life
stages.
* Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.

11. Disclaimer:
HDFC Standard Life Insurance Company Limited (“HDFC Life”). In partnership with Standard Life Plc. CIN: U99999MH2000PLC128245, IRDAI Reg. No.
101. 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.
For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale..ARN:
MC/08/2016/8457
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).
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