HDFC Life Insurance distributes its products through multiple channels, including agency, bancassurance, direct sales, and other partnerships. The agency channel involves Financial Consultants (also called agents) who sell insurance plans directly to customers. Bancassurance utilizes partnerships with banks, NBFCs, MFIs, and SFBs to offer insurance solutions to their customers. Direct sales involves interacting with customers directly to convert them into HDFC Life Insurance clients. Other partnerships include insurance brokers, MFIs, and SFBs.