28-02-2025
Quote No : qclxp3z6gvgjy
Benefit Illustration for HDFC Life Click 2 Achieve Par Advantage
This Illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC Life Click 2 Achieve Par Advantage
Name of the Prospect/Policyholder: Client Proposal No: NA
HDFC Life Click 2 Achieve Par
Age: 37 Name of Product:
Advantage
An Individual Non-linked Participating
Gender: Male Tag Line:
Savings Life Insurance Plan
Name of Life Assured 1 : Client Unique Identification Number: 101N207V01
Age: 37 GST Rate: 4.5%* for (First Year)
Gender: Male 2.25%* (Second Year Onwards)
Name of Life Assured 2 :
Age:
Gender: NA
Policy Term: 20 Years
Premium Paying Term: 6 Years
Amount of Instalment Premium
Rs.2,00,000
(Without GST):
Mode of payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
Benefit Chosen# Forever Dream Advantage
Special Date NA
For Special Date: Option I NA
For Special Date: Option II NA
Special Milestone Benefit NA
Special Milestone Benefit month NA
*0% if qualifies as zero-rated supply under GST law
How to read and understand this illustration?
This benefit illustration is intented to show year-wise premium payable and benefits under the policy, at two assumed rate of
interest i.e., 8% p.a. and 4% p.a.
Some benefits are guaranteed and some benefits are variable with return 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 limit 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
Sum Basic
Assured Sum
Plan Option Premium Payment Term(Years) Policy Term(Years) Deferment Period (Years) Annualized Premium(Rs.) Death Benefit Multiple
on Maturity Assured
(Rs.) (Rs.)
Early Income 6 20 0 1,70,000 11X 6,73,054 0
Balanced Income 6 20 0 30,000 11X 74,512 0
Sum Assured on Death (at inception of the policy) Rs. 22,00,000 Additional Life Option No
First Benefit Payout Date 28/02/2026 Policy Continuance Benefit Yes
Special Date Option NA Premium Offset No
Paid-Up Addition No Additional Benefit opted
Deferral of Survival/Income
No
Benefit
Premium Summary
PPR WOP WOP Total
HPR
Instalment Premium Base Plan IB Rider PPR Rider (PAC) PPR Rider (ADC) Rider Rider Rider Instalment
Rider
(CC) (DH) (CID) Premium
Instalment Premium without GST 2,00,000 0 0 0 0 0 0 0 2,00,000
First Year Premium
Instalment Premium with First Year GST 2,09,000 0 0 0 0 0 0 0 2,09,000
Instalment Premium without GST 2,00,000 0 0 0 0 0 0 0 2,00,000
Second Year Premium
Instalment Premium with GST 2nd Year Onwards 2,04,500 0 0 0 0 0 0 0 2,04,500
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(Amount in Rupees)
Total Benefits including Guaranteed and Non-
Guaranteed Benefits Non-Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a.
Guaranteed Benefits
Total Total
Guaranteed Guaranteed Total Total
Maturity Death
Surrender Surrender Surrender Surrender Maturity Death
Policy Annualized Special Cash Cash Cash Cash Benefit, Benefit
Value Value Value Value Benefit, Benefit
Year Premium Milestone Surrender Bonus/ Value of Special Bonus/ Value of Special incl incl of
Death Maturity Reversionary (Net of Payable Reversionary (Net of Payable incl incl of
Accrued Accrued Surrender Accrued Accrued Surrender Terminal Terminal
/ Survival Benefit Benefit Benefit Bonus Cash (Higher of Bonus Cash (Higher of Terminal Terminal
Paid-Up Paid Up Value^ Paid-Up Paid Up Value^ Bonus, if Bonus, if
Benefit Bonus 10 & 11) + Bonus 16 & 17) + Bonus, if Bonus, if
Additions Additions Additions Additions any, @ any, @
already 9` already 15` any, @ 8% any, @ 8%
4% 4%
paid) paid) (6+15`+TB) (5+14`+TB)
(6+9`+TB) (5+8`+TB)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22
1 2,00,000 0 60,000 22,00,000 0 0 13,834 0 46,166 38,844 46,166 0 48,604 0 11,396 38,687 38,687 0 0 22,00,000 22,00,000
2 2,00,000 0 1,20,000 22,00,000 0 0 13,834 0 92,333 98,992 98,992 0 48,604 0 22,792 86,866 86,866 0 0 22,00,000 22,00,000
3 2,00,000 0 2,10,000 22,00,000 0 0 13,834 0 1,68,499 1,88,072 1,88,072 0 48,604 0 64,188 1,55,400 1,55,400 0 0 22,00,000 22,00,000
4 2,00,000 0 4,00,000 22,00,000 0 0 13,834 0 3,44,666 3,00,486 3,44,666 0 48,604 0 2,05,584 2,55,553 2,55,553 0 0 22,00,000 22,00,000
5 2,00,000 0 5,00,000 22,00,000 0 0 13,834 0 4,30,832 5,12,595 5,12,595 0 48,604 0 2,56,980 4,45,247 4,45,247 0 0 22,00,000 22,00,000
6 2,00,000 0 6,00,000 22,00,000 0 0 13,834 0 5,16,999 7,87,426 7,87,426 0 48,604 0 3,08,376 6,98,836 6,98,836 0 0 22,00,000 22,00,000
7 0 0 6,00,000 22,00,000 0 0 13,834 0 5,03,164 9,53,737 9,53,737 0 48,604 0 2,59,772 8,42,433 8,42,433 0 0 22,00,000 22,00,000
8 0 0 6,40,000 22,00,000 0 0 13,834 0 5,29,331 9,75,611 9,75,611 0 48,604 0 2,51,168 8,59,654 8,59,654 0 0 22,00,000 22,00,000
9 0 0 6,80,000 22,00,000 0 0 13,834 0 5,55,497 9,97,910 9,97,910 0 48,604 0 2,42,564 8,77,695 8,77,695 0 0 22,00,000 22,00,000
10 0 0 7,20,000 22,00,000 0 0 13,834 0 5,81,663 10,20,628 10,20,628 0 48,604 0 2,33,960 8,96,603 8,96,603 0 0 22,00,000 22,00,000
11 0 0 7,60,000 22,00,000 0 0 13,834 0 6,07,830 10,43,752 10,43,752 0 48,604 0 2,25,356 9,16,423 9,16,423 0 0 22,00,000 22,00,000
12 0 0 8,00,000 22,00,000 0 0 13,834 0 6,33,996 10,67,240 10,67,240 0 48,604 0 2,16,752 9,37,175 9,37,175 0 0 22,00,000 22,00,000
13 0 0 8,40,000 22,00,000 0 0 13,834 0 6,60,163 10,91,035 10,91,035 0 48,604 0 2,08,148 9,58,874 9,58,874 0 0 22,00,000 22,00,000
14 0 0 8,80,000 22,00,000 0 0 13,834 0 6,86,329 11,15,051 11,15,051 0 48,604 0 1,99,544 9,81,508 9,81,508 0 0 22,00,000 22,00,000
15 0 0 9,20,000 22,00,000 0 0 13,834 0 7,12,496 11,39,186 11,39,186 0 48,604 0 1,90,940 10,05,052 10,05,052 0 0 22,00,000 22,00,000
16 0 0 9,60,000 22,00,000 0 0 13,834 0 7,38,662 11,63,334 11,63,334 0 48,604 0 1,82,336 10,29,487 10,29,487 0 0 22,00,000 22,00,000
17 0 0 10,00,000 22,00,000 0 0 13,834 0 7,64,828 11,87,369 11,87,369 0 48,604 0 1,73,732 10,54,782 10,54,782 0 0 22,00,000 22,00,000
18 0 0 10,40,000 22,00,000 0 0 13,834 0 7,90,995 12,11,176 12,11,176 0 48,604 0 1,65,128 10,80,921 10,80,921 0 0 22,00,000 22,00,000
19 0 0 10,80,000 22,00,000 0 0 13,834 0 8,17,161 12,34,626 12,34,626 0 48,604 0 1,56,524 11,07,887 11,07,887 0 0 22,00,000 22,00,000
20 0 0 0 22,00,000 7,47,566 0 13,834 0 0 0 0 0 48,604 0 0 0 0 13,92,293 12,54,737 22,00,000 22,00,000
Notes:
1. Annualized Premium excludes taxes, rider premium, underwriting extra premiums and loadings for modal premium.
2. The death benefit(s) shown above are at the end of the year. Upon payment of death benefit, the policy terminates and no
further benefit is payable in case Policy Continuance Benefit is not opted.
3. The survival benefits are payable :-
i) at the end of the Mode of Payment of Survival Benefit where Special Date is not opted.
ii) on chosen date where Special Date: Option I is opted.
iii) at the beginning of month chosen where Special Date: Option II is opted.
Special Milestone Benefit are payable at the begining of month chosen
In cases where the survival/ special milestone benefit are payable at the beginning of period, 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.
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 Premium and the Sum Assured on Maturity stated above is based on the information provided. They may vary as a
result of underwriting.
6. The above table does not show offset of premiums, deferral of survival/inocme benefit(s) even if the same is chosen as
yes.
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
9. Taxes will be applicable as per the prevailing provisions of the Income Tax Act, 1961.
Refer Sales literature for explanation of terms used in this illustration.
#Depends on the combination of plan options chosen at inception
^Special Surrender Value is subject to change incase of change in G-Sec yields
`Applicable where Paid-up Addition is opted.
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I RAVI NARAYAN TIRUKHE, have explained the premiums and benefits under the product fully to the prospect / policy I Client ,having received the information with respect to the above, have understood the above statement before entering
holder. into the contract.
Place:
Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder
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