23-10-2024

Quote No : cfco44blwpu

Benefit Illustration for HDFC Life Sanchay Par Advantage

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC Life Sanchay
Par Advantage policy

Name of the Prospect /Policy holder: Dear sir Proposal No:

Age: 32 Name of the Product: HDFC Life Sanchay Par Advantage
Name of the Life Assured: Dear sir A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Age: 32
Unique Identification No: 101N136V04
Policy Term 25 year(s)
GST Rate: 4.5%* for first year
Premium Payment Term: 7 year(s)
2.25%* second year onwards
Amount of Installment Premium: 100000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
Timing of Payment of Survival Benefit: Arrear

How to read and understand this benefit illustration?

This benefit illustration is intended to show year wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.

"Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed
benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of
assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of
your policy is dependent on a number of factors including future investment performance."

Policy Details
Policy Option Immediate Income Sum Assured on Maturity Rs. 7,00,000
Sum Assured on Death (at inception of the
Bonus Type Cash Bonus 12,30,000
policy) Rs.

Premium Summary
Total
Base CI IB
PP Rider (PAC) PP Rider (ADC) HPR Rider (CCI) HPR Rider (CC) WOP Rider Installment
Plan Rider Rider
Premium
Instalment
Premium 100000 0 0 0 0 0 0 0 100000
without GST
Instalment
Premium with 104500 0 0 0 0 0 0 0 104500
First Year GST
Instalment
Premium with
102250 0 0 0 0 0 0 0 102250
GST 2nd Year
Onwards

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 (Amounts in Rupees.)
Total Benefits
Guaranteed Benefits Non Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a. including Guaranteed and Non-
Guaranteed Benefits
Guaranteed Guaranteed Total Total
Single / Total Total
Policy Surrender Surrender Death Death
Annualized Surrender Surrender Maturity Maturity
Year Value Value Benefit Benefit
Premium Special Value Special Value Benefit, Benefit,
Survival Surrender Death Maturity Cash (Net of Cash (Net of incl of incl of
GA RB Surrender Payable RB Surrender Payable incl TB, incl TB,
Benefit Benefit Benefit Benefit Bonus Cash Bonus Cash TB, if TB, if
Value# (Higher of Value# (Higher of if any, if any,
Bonus Bonus any, @ any, @
10 & 11) 15 & 16) @ 4% @ 8%
already already 4% 8%
(7+TB) (7+TB)
paid) paid) (6+TB) (6+TB)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21
1 1,00,000 0 0 0 12,30,000 0 0 12,250 0 18,547 18,547 0 27,500 0 18,547 18,547 0 0 12,30,000 12,30,000
2 1,00,000 0 0 60,000 12,30,000 0 0 12,250 35,500 39,767 39,767 0 27,500 5,000 39,767 39,767 0 0 12,30,000 12,30,000
3 1,00,000 0 0 1,05,000 12,30,000 0 0 12,250 68,250 79,956 79,956 0 27,500 22,500 66,956 66,956 0 0 12,30,000 12,30,000
4 1,00,000 0 0 2,00,000 12,30,000 0 0 12,250 1,51,000 1,30,443 1,51,000 0 27,500 90,000 1,12,443 1,12,443 0 0 12,30,000 12,30,000
5 1,00,000 0 0 2,50,000 12,30,000 0 0 12,250 1,88,750 2,14,583 2,14,583 0 27,500 1,12,500 1,88,583 1,88,583 0 0 12,30,000 12,30,000

6 1,00,000 0 0 3,00,000 12,30,000 0 0 12,250 2,26,500 3,19,770 3,19,770 0 27,500 1,35,000 2,88,770 2,88,770 0 0 12,30,000 12,30,000
7 1,00,000 0 0 4,20,000 12,30,000 0 0 12,250 3,34,250 4,50,430 4,50,430 0 27,500 2,27,500 4,15,430 4,15,430 0 0 12,30,000 12,30,000
8 0 0 0 4,55,000 12,30,000 0 0 12,250 3,57,000 5,19,778 5,19,778 0 27,500 2,35,000 4,82,778 4,82,778 0 0 12,30,000 12,30,000
9 0 0 0 5,25,000 12,30,000 0 0 12,250 4,14,750 5,28,180 5,28,180 0 27,500 2,77,500 4,94,180 4,94,180 0 0 12,30,000 12,30,000

10 0 0 0 5,60,000 12,30,000 0 0 12,250 4,37,500 5,37,713 5,37,713 0 27,500 2,85,000 5,06,713 5,06,713 0 0 12,30,000 12,30,000
11 0 0 0 5,60,000 12,30,000 0 0 12,250 4,25,250 5,47,456 5,47,456 0 27,500 2,57,500 5,20,456 5,20,456 0 0 12,30,000 12,30,000

12 0 0 0 6,30,000 12,30,000 0 0 12,250 4,83,000 5,56,498 5,56,498 0 27,500 3,00,000 5,34,498 5,34,498 0 0 12,30,000 12,30,000

13 0 0 0 6,30,000 12,30,000 0 0 12,250 4,70,750 5,66,929 5,66,929 0 27,500 2,72,500 5,49,929 5,49,929 0 0 12,30,000 12,30,000
14 0 0 0 6,30,000 12,30,000 0 0 12,250 4,58,500 5,76,847 5,76,847 0 27,500 2,45,000 5,66,847 5,66,847 0 0 12,30,000 12,30,000

15 0 0 0 6,30,000 12,30,000 0 0 12,250 4,46,250 5,88,356 5,88,356 0 27,500 2,17,500 5,84,356 5,84,356 0 0 12,30,000 12,30,000
16 0 0 0 6,30,000 12,30,000 0 0 12,250 4,34,000 5,99,566 5,99,566 0 27,500 1,90,000 6,03,566 6,03,566 0 0 12,30,000 12,30,000

17 0 0 0 6,30,000 12,30,000 0 0 12,250 4,21,750 6,10,600 6,10,600 0 27,500 1,62,500 6,23,600 6,23,600 0 0 12,30,000 12,30,000
18 0 0 0 6,30,000 12,30,000 0 0 12,250 4,09,500 6,22,586 6,22,586 0 27,500 1,35,000 6,45,586 6,45,586 0 0 12,30,000 12,30,000

19 0 0 0 6,30,000 12,30,000 0 0 12,250 3,97,250 6,35,672 6,35,672 0 27,500 1,07,500 6,68,672 6,68,672 0 0 12,30,000 12,30,000
20 0 0 0 6,30,000 12,30,000 0 0 12,250 3,85,000 6,48,018 6,48,018 0 27,500 80,000 6,94,018 6,94,018 0 0 12,30,000 12,30,000

21 0 0 0 6,30,000 12,30,000 0 0 12,250 3,72,750 6,60,811 6,60,811 0 27,500 52,500 7,20,811 7,20,811 0 0 12,30,000 12,30,000
22 0 0 0 6,30,000 12,30,000 0 0 12,250 3,60,500 6,75,258 6,75,258 0 27,500 25,000 7,49,258 7,49,258 0 0 12,30,000 12,30,000

23 0 0 0 6,30,000 12,30,000 0 0 12,250 3,48,250 6,88,592 6,88,592 0 27,500 0 7,80,592 7,80,592 0 0 12,30,000 12,30,000
24 0 0 0 6,30,000 12,30,000 0 0 12,250 3,36,000 7,03,076 7,03,076 0 27,500 0 8,14,076 8,14,076 0 0 12,30,000 12,30,000

25 0 0 0 0 12,30,000 7,00,000 0 12,250 0 0 0 0 27,500 0 0 0 7,90,000 9,34,000 12,30,000 12,30,000

Notes:
1. Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and Goods & Service Tax. Refer Sales Literature for
explanation of terms used in this illustration.
2. When Timing of Payment of Survival Benefit is "Arrear", the survival benefits shown above are payable at the end of the Mode of Payment of Survival Benefit.

When Timing of Payment of Survival Benefit is chosen as "Advance", the survival benefit shown above are payable at the beginning of the Mode of Payment of Survival Benefit. First payout shall be
made within 7 working days from i) the realization of the first premium or ii) policy issuance, whichever is later. Subsequent payouts shall be made within 7 working days from i) realization of renewal
premium or ii) survival benefit payout date, whichever is later
3. The death benefits shown above are at the end of the year. Upon payment, of death benefit the policy terminates and no further benefit is payable.
4. The surrender benefits shown above are at the end of the year. Upon payment of surrender benefit, the policy terminates and no further benefit becomes payable.
5. The maturity benefit shown above is payable at the end of the Policy Term. Upon payment of maturity benefit, the policy terminates and no further benefits become payable.
6. The Premium and the Sum Assured on Maturity stated above is based on the information provided. They may vary as a result of underwriting.
7. Any statutory levy or charges (such as Goods and Service tax) including any indirect tax may be charged to the Policyholder either now or in future by the company and such amount so charged
shall become due and payable and shall be subject to the same terms and conditions as applicable to payment of premium.
8. RB - Reversionary Bonus, TB - Terminal Bonus, GA - Guaranteed Additions
# Special Surrender Value is subject to change incase of change in G-Sec yields

I , have explained the premiums and benefits under the product fully to the prospect / policy I Dear sir ,having received the information with respect to the above, have understood the
holder. above statement before entering into the contract.

Place:

Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder

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