Dear Hdfc Bank

Long term stability and security have become more important than ever before, given the times we are living in. At Tata AIA Life, we have always believed in helping you protect your dreams at various stages
of life by ensuring that you are financially equipped.
Tata AIA Life Insurance Smart Value Income Plan helps you take one step closer to financial safety and achieve this objective.
Your plan details are as follows:

Policy term (Years) 50

Premium payment term (Years) 10
Mode of premium payment Annual
Premium Installment as per chosen mode incl. GST (Rs.) 1,12,969
Cash Bonus Option Paid in cash
Frequency of Cash Bonus Annually
Special Date* 30/11/2024
Proportion of Bonus paid in cash 100%
Proportion of Bonus paid in Sub-Wallet NA
*In case your special date under DCB option is before your policy issuance date then the revised special date will be day falling immediately after your policy issuance. Any change related to premium payment
mode, bonus payout frequency, cash bonus option and special date chosen under DCB option will not be allowed in future.
Other Key benefits:

Life Protect Feature – Continue your life cover1 even if you need to postpone premium payment due to loss of income and/or unemployment
Enhance your protection with optional Riders 2
Tax benefits may be applicable on premiums paid and benefits received as per applicable tax laws 3

Disclaimers: • ^These bonuses are not guaranteed in nature. The company may declare cash bonus annually in advance. The cash bonus, if declared, will be applicable provided all due premiums have been
paid • 1 A monthly mortality charge will be levied.Please refer to terms and conditions for details. • 2 Riders are optional and are available for a nominal extra cost.For more details on benefits, premiums and
exclusions under the rider please refer to the rider brochure or contactour Insurance Advisor / Intermediary or visit our nearest branch office. • 3 Income Tax benefits would be available as per the prevailing
income tax laws, subject to fulfilment of conditions stipulated therein.Income tax laws are subject to change from time to time.Tata AIA Life Insurance Company Ltd.Does not assumeresponsibility on tax
implication mentioned anywhere in this document.Please consult your own tax consultant to know the tax benefits available to you. • All Premiums are subject to applicable taxes, cesses & levies which will
entirely be borne by the policyholder along with the payment of Premium.If any imposition(taxor otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company
Limited reserves the right to claim the same from the Policyholder.Alternatively, Tata AIA Life Insurance Company Limited has the right to deduct the amount from the benefits payable by us under the Policy •
Formore details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale • This product is underwritten by Tata AIA Life Insurance Company Limited. The risk factors
of the bonuses projected under the product are not guaranteed. Past performance does not construe any indication of future bonuses. These products are subject to the overall performance of the insurer in
terms of investments, management of expenses, mortality and lapses.The plan is not a guaranteed issuance plan and it will be subject to company's underwriting and acceptance • UIN: 110N162V03•
L&C/Misc/2024/Sep/0706
Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai – 400013. Trade
logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license.For any information including cancellation, claims and complaints, please contact our Insurance Advisor /
Intermediary or visit Tata AIA Life's nearest branch office or call 1–860–266–9966 (local charges apply) or write to us at [email protected]. Visit us at: www.tataaia.com.
BEWARE OF SPURIOUS PHONE CALLS AND IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police
FICTITIOUS / FRAUDULENT OFFERS complaint.
BENEFIT ILLUSTRATION
Tata AIA Life Insurance Smart Value Income Plan
Name of the Prospect/Policyholder : Hdfc Bank Proposal No: 70015610793
Age (years): 22 Name of the Product: Tata AIA Life Insurance Smart Value Income Plan
Name of the Life Assured : Hdfc Bank Tag Line: Individual, Non-Linked Participating Life Insurance Savings
Age (years): 22 Plan
Policy Term (years): 50 Unique Identification Number: 110N162V03
Premium Payment Term (years): 10 GST Rate : 4.50% for first year
Amount of Instalment Premium (Rs.): 1,12,969 2.25% second year onwards
Mode of Payment of Premium: Annual
Mode of Payment of Cash Bonus : Annual

How to read and understand this benefit illustration?

This benefit illustration is intented 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 Option 1 - Cash Bonus Sum Assured (Rs.) 13,30,000
Bonus Type Cash Bonus Sum Assured on Death (at inception of the policy) Rs. 13,30,000
Special Date Yes Type of Cash Bonus with Special Date Discounted Cash Bonus

Rider Details
Tata AIA Vitality (Wellness Program): No
Details of Life Insured/Partner under the Benefit Option Benefit Payout Return Premium
of Benefit Premium Sum p.a. Year 1
Rider Name / UIN^(Benefit Option / Benefit Payout Option) Lumpsum Income Income premium Option Payment Assured without Discount
Name Age(yrs) Gender p.a. Duration
(Rs.)
(Rs.) (yrs) option Term Term (Rs.) GST (Rs.) (Rs.)

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST (Rs.) 1,08,104 0 1,08,104
Instalment Premium with First year GST * (Rs.) 1,12,969 0 1,12,969
Instalment Premium post applicable discount with First year GST (Rs.) 1,12,864 0 1,12,864
Instalment Premium with GST 2nd year onwards (Rs.) 1,10,536 0 1,10,536
 (Amount in Rupees.)
Guaranteed Benefits Non - Guaranteed Benefits @4% p.a. Non - Guaranteed Benefits @8% p.a. Total Benefits including Guaranteed and Non
Guaranteed Benefits
Maturity Benefit Death Benefit
Total Total Total Total
Policy Single/Annualised Maturity Maturity Death Death
Year Premium Guaranteed Special Special Benefit, Benefit, Benefit, Benefit,
Guaranteed Survival Surrender Death Maturity Reversionary Cash Surrender Surrender Reversionary Cash Surrender Surrender
Additions Benefit Benefit Benefit Bonus Bonus Benefit Bonus Bonus Benefit including including including including
Value Value Value Terminal Terminal ofTerminal Terminal
Bonus, if Bonus, if Bonus, if Bonus, if
any @4% any @8% any @4% any @8%
(7+8+TB) (7+12+TB) (6+8+TB) (6+12+TB)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
1 1,00,000 0 0 0 13,30,000 0 0 16,560 16,560 16,560 0 34,040 34,040 34,040 0 0 13,30,000 13,30,000
2 1,00,000 0 0 60,000 13,30,000 0 0 16,560 33,120 60,000 0 34,040 68,080 68,080 0 0 13,30,000 13,30,000
3 1,00,000 0 0 1,05,000 13,30,000 0 0 16,560 58,859 1,05,000 0 34,040 1,02,120 1,05,000 0 0 13,30,000 13,30,000
4 1,00,000 0 0 2,00,000 13,30,000 0 0 16,560 66,240 2,00,000 0 34,040 1,36,160 2,00,000 0 0 13,30,000 13,30,000
5 1,00,000 0 0 2,50,000 13,30,000 0 0 16,560 2,81,055 2,81,055 0 34,040 2,85,955 2,85,955 0 0 13,30,000 13,30,000
6 1,00,000 0 0 3,00,000 13,30,000 0 0 16,560 3,83,904 3,83,904 0 34,040 4,08,184 4,08,184 0 0 13,30,000 13,30,000
7 1,00,000 0 0 3,50,000 13,30,000 0 0 16,560 4,93,347 4,93,347 0 34,040 5,25,807 5,25,807 0 0 13,30,000 13,30,000
8 1,00,000 0 0 5,20,000 13,30,000 0 0 16,560 6,01,454 6,01,454 0 34,040 6,40,894 6,40,894 0 0 13,30,000 13,30,000
9 1,00,000 0 0 6,30,000 13,30,000 0 0 16,560 7,28,532 7,28,532 0 34,040 7,83,752 7,83,752 0 0 13,30,000 13,30,000
10 1,00,000 0 0 7,50,000 13,30,000 0 0 16,560 8,45,485 8,45,485 0 34,040 9,48,285 9,48,285 0 0 13,30,000 13,30,000
11 0 0 0 8,00,000 13,30,000 0 0 16,560 8,65,758 8,65,758 0 34,040 9,89,038 9,89,038 0 0 13,30,000 13,30,000
12 0 0 0 9,00,000 13,30,000 0 0 16,560 8,74,539 9,00,000 0 34,040 10,30,299 10,30,299 0 0 13,30,000 13,30,000
13 0 0 0 9,00,000 13,30,000 0 0 16,560 9,07,828 9,07,828 0 34,040 10,86,068 10,86,068 0 0 13,30,000 13,30,000
14 0 0 0 9,00,000 13,30,000 0 0 16,560 9,41,492 9,41,492 0 34,040 11,43,212 11,43,212 0 0 13,30,000 13,30,000
15 0 0 0 9,00,000 13,30,000 0 0 16,560 9,77,664 9,77,664 0 34,040 12,03,864 12,03,864 0 0 13,30,000 13,30,000
16 0 0 0 9,00,000 13,30,000 0 0 16,560 10,13,336 10,13,336 0 34,040 12,66,016 12,66,016 0 0 13,30,000 13,30,000
17 0 0 0 9,00,000 13,30,000 0 0 16,560 10,51,641 10,51,641 0 34,040 13,29,801 13,29,801 0 0 13,30,000 13,30,000
18 0 0 0 9,00,000 13,30,000 0 0 16,560 10,89,579 10,89,579 0 34,040 13,97,219 13,97,219 0 0 13,30,000 13,30,000
19 0 0 0 9,00,000 13,30,000 0 0 16,560 11,29,142 11,29,142 0 34,040 14,66,262 14,66,262 0 0 13,30,000 13,30,000
20 0 0 0 9,00,000 13,30,000 0 0 16,560 11,69,205 11,69,205 0 34,040 15,38,805 15,38,805 0 0 13,30,000 13,30,000
21 0 0 0 9,00,000 13,30,000 0 0 16,560 12,11,284 12,11,284 0 34,040 16,14,364 16,14,364 0 0 13,30,000 13,30,000
22 0 0 0 9,00,000 13,30,000 0 0 16,560 12,53,980 12,53,980 0 34,040 16,94,540 16,94,540 0 0 13,30,000 13,30,000
23 0 0 0 9,00,000 13,30,000 0 0 16,560 12,97,684 12,97,684 0 34,040 17,77,724 17,77,724 0 0 13,30,000 13,30,000
24 0 0 0 9,00,000 13,30,000 0 0 16,560 13,44,138 13,44,138 0 34,040 18,64,658 18,64,658 0 0 13,30,000 13,30,000
25 0 0 0 9,00,000 13,30,000 0 0 16,560 13,91,467 13,91,467 0 34,040 19,55,467 19,55,467 0 0 13,30,000 13,30,000
26 0 0 0 9,00,000 13,30,000 0 0 16,560 14,39,788 14,39,788 0 34,040 20,52,268 20,52,268 0 0 13,30,000 13,30,000
27 0 0 0 9,00,000 13,30,000 0 0 16,560 14,90,234 14,90,234 0 34,040 21,54,194 21,54,194 0 0 13,30,000 13,30,000
28 0 0 0 9,00,000 13,30,000 0 0 16,560 15,41,672 15,41,672 0 34,040 22,61,112 22,61,112 0 0 13,40,000 13,31,000
29 0 0 0 9,00,000 13,30,000 0 0 16,560 15,95,352 15,95,352 0 34,040 23,73,272 23,73,272 0 0 13,67,000 13,97,000
30 0 0 0 9,00,000 13,30,000 0 0 16,560 16,50,266 16,50,266 0 34,040 24,92,666 24,92,666 0 0 14,07,000 14,71,466
31 0 0 0 9,00,000 13,30,000 0 0 16,560 17,07,414 17,07,414 0 34,040 26,18,294 26,18,294 0 0 14,49,000 15,63,054
32 0 0 0 9,00,000 13,30,000 0 0 16,560 17,62,913 17,62,913 0 34,040 27,51,273 27,51,273 0 0 14,92,000 16,61,993
33 0 0 0 9,00,000 13,30,000 0 0 16,560 18,17,021 18,17,021 0 34,040 28,92,861 28,92,861 0 0 15,38,000 17,69,541
34 0 0 0 9,00,000 13,30,000 0 0 16,560 18,70,722 18,70,722 0 34,040 30,42,042 30,42,042 0 0 15,86,000 18,84,682
35 0 0 0 9,00,000 13,30,000 0 0 16,560 19,27,274 19,27,274 0 34,040 32,01,074 32,01,074 0 0 16,32,000 20,09,674
 (Amount in Rupees.)
Guaranteed Benefits Non - Guaranteed Benefits @4% p.a. Non - Guaranteed Benefits @8% p.a. Total Benefits including Guaranteed and Non
Guaranteed Benefits
Maturity Benefit Death Benefit
Total Total Total Total
Policy Single/Annualised Maturity Maturity Death Death
Year Premium Guaranteed Special Special Benefit, Benefit, Benefit, Benefit,
Guaranteed Survival Surrender Death Maturity Reversionary Cash Surrender Surrender Reversionary Cash Surrender Surrender
Additions Benefit Benefit Benefit Bonus Bonus Benefit Bonus Bonus Benefit including including including including
Value Value Value Terminal Terminal ofTerminal Terminal
Bonus, if Bonus, if Bonus, if Bonus, if
any @4% any @8% any @4% any @8%
(7+8+TB) (7+12+TB) (6+8+TB) (6+12+TB)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
36 0 0 0 9,00,000 13,30,000 0 0 16,560 19,84,536 19,84,536 0 34,040 33,58,816 33,58,816 0 0 16,73,000 21,33,376
37 0 0 0 9,00,000 13,30,000 0 0 16,560 20,44,149 20,44,149 0 34,040 35,24,909 35,24,909 0 0 17,16,000 22,65,429
38 0 0 0 9,00,000 13,30,000 0 0 16,560 21,04,964 21,04,964 0 34,040 36,99,204 36,99,204 0 0 17,61,000 24,05,684
39 0 0 0 9,00,000 13,30,000 0 0 16,560 21,68,364 21,68,364 0 34,040 38,86,084 38,86,084 0 0 18,08,000 25,58,524
40 0 0 0 9,00,000 13,30,000 0 0 16,560 22,33,740 22,33,740 0 34,040 40,84,940 40,84,940 0 0 18,56,000 27,23,340
41 0 0 0 9,00,000 13,30,000 0 0 16,560 23,01,475 23,01,475 0 34,040 42,97,155 42,97,155 0 0 19,07,000 29,01,515
42 0 0 0 9,00,000 13,30,000 0 0 16,560 23,71,803 23,71,803 0 34,040 45,22,963 45,22,963 0 0 19,59,000 30,93,283
43 0 0 0 9,00,000 13,30,000 0 0 16,560 24,43,849 24,43,849 0 34,040 47,64,489 47,64,489 0 0 20,14,000 33,00,769
44 0 0 0 9,00,000 13,30,000 0 0 16,560 25,20,105 25,20,105 0 34,040 50,24,225 50,24,225 0 0 20,71,000 35,26,465
45 0 0 0 9,00,000 13,30,000 0 0 16,560 25,98,954 25,98,954 0 34,040 53,00,554 53,00,554 0 0 21,31,000 37,68,754
46 0 0 0 9,00,000 13,30,000 0 0 16,560 26,80,755 26,80,755 0 34,040 55,98,835 55,98,835 0 0 21,93,000 40,32,995
47 0 0 0 9,00,000 13,30,000 0 0 16,560 27,66,008 27,66,008 0 34,040 59,17,568 59,17,568 0 0 22,58,000 43,17,688
48 0 0 0 9,00,000 13,30,000 0 0 16,560 28,54,072 28,54,072 0 34,040 60,83,112 60,83,112 0 0 23,25,000 44,49,192
49 0 0 0 9,00,000 13,30,000 0 0 16,560 29,46,447 29,46,447 0 34,040 61,99,967 61,99,967 0 0 23,95,000 45,32,007
50 0 0 0 0 13,30,000 12,50,000 0 16,560 30,39,000 30,39,000 0 34,040 63,24,000 63,24,000 26,21,000 46,59,000 26,21,000 47,06,000
Note : Annualised premium shall be the premium payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loading for modal premiums, if any. Refer Sales literature for explanation
of terms used in the illustration.
1. In case Cash Bonus has been paid out, all cash bonuses paid up to the date of surrender shall be deducted from the Surrender benefit shown above, at the time of payout.
2. Surrender value illustrated above is end of the policy year value. Special Surrender value may be revised depending on the prevailing market conditions.
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. If Special Date with Discounted Cash Bonus is opted, the survival benefit values mentioned here are indicative based on the date on which this benefit illustration was generated for this policy. The actual payout will be as per the policy
commencement date of your policy as mentioned in your Policy Schedule.
5. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned
anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
6. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
7.All premiums payable under the policy are subject to the applicable taxes, duties, surcharge, cesses or levies assessed as per the prevailing tax laws or directions from the competent court of law, which will be entirely borne/ paid by the
Policyholder, in addition to the payment of such Premium.
I, …...................... (name), have explained the premiums and benefits under the product fully to the prospect / I, Hdfc Bank , have received the information with respect to the above, have understood the above statement
policyholder. before entering into the contract.

Place:
Date: 26 Nov 2024 Date: 26 Nov 2024
Signature of Agent / Intermediary / Official Signature of Prospect / Policyholder
Unique Reference Number - L&C/Advt/2024/Sep/2772 (Rider - L&C/Advt/2020/Dec/1539)
 Tata AIA Life Insurance Company Ltd. (IRDA of India Regn No. 110) (CIN: U66010MH2000PLC128403)
Registered and Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai- 400013
Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license.
For more information, Call the Tata AIA Life Insurance Company Ltd Helpline number1860-266-9966 (local charges apply) or Visit us at: www.tataaia.com
(I)V.96.00/FY2024-2025_Q3/RELEASE 01-10-24/EXPIRY 31-12-2024 00WEBSITENQSVIPLV1N1 26-11-2024 12: 30 PM