03-02-2025
Quote No : cknsshkysyh
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: ABC HAB Proposal No:
Age: 44 Name of the Product: HDFC Life Sanchay Par Advantage
Name of the Life Assured: ABC HAB A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Age: 44
Unique Identification No: 101N136V04
Policy Term 25 year(s)
GST Rate: 4.5%* for first year
Premium Payment Term: 10 year(s)
2.25%* second year onwards
Amount of Installment Premium: 20000
Mode of Payment of Premium: Monthly
Mode of Payment of Survival Benefit: Monthly
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. 22,85,714
Sum Assured on Death (at inception of the
Bonus Type Cash Bonus 25,37,143
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 without 20000 0 0 0 0 0 0 0 20000
GST
Instalment
Premium with 20900 0 0 0 0 0 0 0 20900
First Year GST
Instalment
Premium with
20450 0 0 0 0 0 0 0 20450
GST 2nd Year
Onwards
1/2
(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 2,28,571 0 0 0 25,37,143 0 0 46,080 0 44,167 44,167 0 77,897 0 44,167 44,167 0 0 25,37,143 25,37,143
2 2,28,571 0 0 1,44,000 25,37,143 0 0 46,080 51,840 94,541 94,541 0 77,897 0 94,541 94,541 0 0 25,37,143 25,37,143
3 2,28,571 0 0 2,52,000 25,37,143 0 0 46,080 1,13,760 1,51,760 1,51,760 0 77,897 18,308 1,51,760 1,51,760 0 0 25,37,143 25,37,143
4 2,28,571 0 0 4,80,000 25,37,143 0 0 46,080 2,95,680 2,53,082 2,95,680 0 77,897 1,68,411 2,16,511 2,16,511 0 0 25,37,143 25,37,143
5 2,28,571 0 0 6,00,000 25,37,143 0 0 46,080 3,69,600 3,83,250 3,83,250 0 77,897 2,10,514 3,28,393 3,28,393 0 0 25,37,143 25,37,143
6 2,28,571 0 0 7,20,000 25,37,143 0 0 46,080 4,43,520 5,43,066 5,43,066 0 77,897 2,52,616 4,76,780 4,76,780 0 0 25,37,143 25,37,143
7 2,28,571 0 0 8,40,000 25,37,143 0 0 46,080 5,17,440 7,31,115 7,31,115 0 77,897 2,94,719 6,57,972 6,57,972 0 0 25,37,143 25,37,143
8 2,28,571 0 0 12,48,000 25,37,143 0 0 46,080 8,79,360 9,50,635 9,50,635 0 77,897 6,24,822 8,75,206 8,75,206 0 0 25,37,143 25,37,143
9 2,28,571 0 0 15,12,000 25,37,143 0 0 46,080 10,97,280 12,04,961 12,04,961 0 77,897 8,10,924 11,31,818 11,31,818 0 0 25,37,143 25,37,143
10 2,28,571 0 0 18,00,000 25,37,143 0 0 46,080 13,39,200 14,90,688 14,90,688 0 77,897 10,21,027 14,33,545 14,33,545 0 0 25,37,143 25,37,143
11 0 0 0 19,20,000 25,37,143 0 0 46,080 14,13,120 16,17,435 16,17,435 0 77,897 10,63,130 15,80,863 15,80,863 0 0 25,37,143 25,37,143
12 0 0 0 21,60,000 25,37,143 0 0 46,080 16,07,040 16,36,096 16,36,096 0 77,897 12,25,233 16,29,239 16,29,239 0 0 25,37,143 25,37,143
13 0 0 0 21,60,000 25,37,143 0 0 46,080 15,60,960 16,56,748 16,56,748 0 77,897 11,47,335 16,79,605 16,79,605 0 0 25,37,143 25,37,143
14 0 0 0 21,60,000 25,37,143 0 0 46,080 15,14,880 16,75,213 16,75,213 0 77,897 10,69,438 17,32,356 17,32,356 0 0 25,37,143 25,37,143
15 0 0 0 21,60,000 25,37,143 0 0 46,080 14,68,800 16,96,504 16,96,504 0 77,897 9,91,541 17,92,504 17,92,504 0 0 25,37,143 25,37,143
16 0 0 0 21,60,000 25,37,143 0 0 46,080 14,22,720 17,18,817 17,18,817 0 77,897 9,13,644 18,53,674 18,53,674 0 0 25,37,143 25,37,143
17 0 0 0 21,60,000 25,37,143 0 0 46,080 13,76,640 17,42,681 17,42,681 0 77,897 8,35,746 19,23,253 19,23,253 0 0 25,37,143 25,37,143
18 0 0 0 21,60,000 25,37,143 0 0 46,080 13,30,560 17,66,381 17,66,381 0 77,897 7,57,849 19,97,238 19,97,238 0 0 25,37,143 25,37,143
19 0 0 0 21,60,000 25,37,143 0 0 46,080 12,84,480 17,90,546 17,90,546 0 77,897 6,79,952 20,76,260 20,76,260 0 0 25,37,143 25,37,143
20 0 0 0 21,60,000 25,37,143 0 0 46,080 12,38,400 18,18,163 18,18,163 0 77,897 6,02,054 21,63,306 21,63,306 0 0 25,37,143 25,37,143
21 0 0 0 21,60,000 25,37,143 0 0 46,080 11,92,320 18,45,430 18,45,430 0 77,897 5,24,157 22,56,858 22,56,858 0 0 25,37,143 25,37,143
22 0 0 0 21,60,000 25,37,143 0 0 46,080 11,46,240 18,73,216 18,73,216 0 77,897 4,46,260 23,57,787 23,57,787 0 0 25,37,143 25,37,143
23 0 0 0 21,60,000 25,37,143 0 0 46,080 11,00,160 19,75,651 19,75,651 0 77,897 3,68,363 24,67,079 24,67,079 0 0 25,37,143 25,37,143
24 0 0 0 21,60,000 25,37,143 0 0 46,080 10,54,080 21,24,146 21,24,146 0 77,897 2,90,465 25,83,575 25,83,575 0 0 25,37,143 25,83,575
25 0 0 0 0 25,37,143 22,85,714 0 46,080 0 0 0 0 77,897 0 0 0 22,85,714 29,78,285 25,37,143 29,78,285
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 ABC HAB ,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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