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HDFC Life Click 2 Wealth Guide

1. This document is a benefit illustration for an HDFC Life Click 2 Wealth policy for an individual named asdcfv who is 37 years old. 2. Key details of the policy include a sum assured of Rs. 500,000, a policy term of 62 years, a premium payment term of 30 years paying Rs. 50,000 annually. 3. The benefit illustration shows projected fund values, surrender values, and death benefits over the policy term based on assumed gross returns of 4% and 8% to understand how charges impact values. It also explains how to read the illustration.

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0% found this document useful (0 votes)
96 views5 pages

HDFC Life Click 2 Wealth Guide

1. This document is a benefit illustration for an HDFC Life Click 2 Wealth policy for an individual named asdcfv who is 37 years old. 2. Key details of the policy include a sum assured of Rs. 500,000, a policy term of 62 years, a premium payment term of 30 years paying Rs. 50,000 annually. 3. The benefit illustration shows projected fund values, surrender values, and death benefits over the policy term based on assumed gross returns of 4% and 8% to understand how charges impact values. It also explains how to read the illustration.

Uploaded by

abhay
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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31-12-2019

Quote No : q9wx84rgm2npu

Benefit Illustartion for HDFC Life Click 2 Wealth


This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your
HDFC Life Click 2 Wealth

DETAILS Proposal No: |


Name of the Prospect/Policyholder: asdcfv Name of Product: HDFC Life Click 2 Wealth
Age: 37 Tag Line: A Unit Linked Non-par Life Insurance Plan
Name of Life Assured: asdcfv Unique Identification No: 101L133V02
Age: 37 GST Rate: 18%
Sum Assured: Rs.500000 80% Equity oriented
Investment Strategy opted for:
20% Hybrid oriented
Policy Term & Premium Payment Term: 62years & 30years
Plan option: Golden Years Benefit Option
Amount of Instalment Premium: Rs.50000
Mode of payment of Premium: Annual

Funds opted for along with their risk level:


Fund Risk Level Fund SFIN Fund Allocation (%)

Diversified Equity Fund Very High ULIF05501/08/13DivrEqtyFd101 40

Blue Chip Fund Very High ULIF03501/01/10BlueChipFd101 40


Opportunities Fund Very High ULIF03601/01/10OpprtntyFd101 0

Discovery Fund Very High ULIF06618/01/18DiscvryFnd101 0


Equity Advantage Fund Very High ULIF06723/03/18EqtyAdvtFd101 0
Balanced Fund Moderate to High ULIF03901/09/10BalancedFd101 20
Bond Fund Moderate ULIF05601/08/13Bond Funds101 0

Liquid Fund Very Low ULIF00102/01/04LiquidFund101 0


Bond Plus Fund Moderate to High ULIF06814/06/19BondPlusFd101 0
Secure Advantage Fund Moderate ULIF06914/06/19SecAdvFund101 0
How to read and understand this benefit illustration?
This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges, may grow over the years of the policy term if the
fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% p.a. and 4% p.a. are assumed only for the purpose of illustrating the flow of benefits if the returns are at this
level. It should not be interpreted that the returns under the plan are going to be either 8% p.a. or 4% p.a.
Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges, underwriting extra, if any, guarantee
charges and cost of riders, if deducted by cancellation of units. It demonstrates the impact of charges exclusive of taxes on the net yield. Please note that the mortality charges per
thousand sum assured in general, increases with age.
The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of riders, etc. The investment risk in
this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales literature carefully.
Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death benefit, at two assumed rates of
return. Part B of this statement presents a detailed break-up of the charges, and other values.
PART A
At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Mortality, Commission


Policy year Fund at Mortality, Fund at
Premium Morbidity Other Surrender Death Other Surrender Death Payable to
GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intremediary
Charges Year Charges Year
(Rs)

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

1 50,000 671 185 244 50,888 50,888 5,00,000 670 199 246 52,861 52,861 5,00,000 -

2 50,000 636 882 363 1,03,017 1,03,017 5,00,000 630 938 372 1,09,097 1,09,097 5,00,000 -
3 50,000 592 1,595 484 1,56,426 1,56,426 5,00,000 577 1,724 504 1,68,937 1,68,937 5,00,000 -

4 50,000 538 2,327 606 2,11,159 2,11,159 5,00,000 507 2,560 642 2,32,627 2,32,627 5,00,000 -

5 50,000 471 3,076 728 2,67,261 2,67,261 5,00,000 417 3,451 786 3,00,434 3,00,434 5,00,000 -
6 50,000 389 4,337 851 3,24,272 3,24,272 5,00,000 303 4,892 935 3,72,118 3,72,118 5,00,000 -

7 50,000 287 5,118 973 3,82,747 3,82,747 5,00,000 155 5,894 1,089 4,48,491 4,48,491 5,00,000 -

8 50,000 162 5,920 1,095 4,42,750 4,42,750 5,00,000 - 6,962 1,253 5,29,861 5,29,861 5,29,861 -
9 50,000 7 6,742 1,215 5,04,352 5,04,352 5,04,352 - 8,099 1,458 6,16,352 6,16,352 6,16,352 -

10 50,000 - 7,585 1,365 5,67,413 5,67,413 5,67,413 - 9,307 1,675 7,08,285 7,08,285 7,08,285 -
11 50,000 - 8,448 1,521 6,31,961 6,31,961 6,31,961 - 10,591 1,906 8,06,004 8,06,004 8,06,004 -

12 50,000 - 9,331 1,680 6,98,029 6,98,029 6,98,029 - 11,956 2,152 9,09,872 9,09,872 9,09,872 -

13 50,000 - 10,235 1,842 7,65,654 7,65,654 7,65,654 - 13,406 2,413 10,20,277 10,20,277 10,20,277 -
14 50,000 - 11,160 2,009 8,34,873 8,34,873 8,34,873 - 14,948 2,691 11,37,629 11,37,629 11,37,629 -

15 50,000 - 12,107 2,179 9,05,722 9,05,722 9,05,722 - 16,587 2,986 12,62,366 12,62,366 12,62,366 -

16 50,000 - 13,077 2,354 9,78,241 9,78,241 9,78,241 - 18,330 3,299 13,94,953 13,94,953 13,94,953 -
17 50,000 - 14,069 2,532 10,52,469 10,52,469 10,52,469 - 20,181 3,633 15,35,884 15,35,884 15,35,884 -

18 50,000 - 15,084 2,715 11,28,445 11,28,445 11,28,445 - 22,150 3,987 16,85,684 16,85,684 16,85,684 -

19 50,000 - 16,124 2,902 12,06,212 12,06,212 12,06,212 - 24,242 4,364 18,44,910 18,44,910 18,44,910 -
20 50,000 - 17,188 3,094 12,85,811 12,85,811 12,85,811 - 26,466 4,764 20,14,156 20,14,156 20,14,156 -
At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Mortality, Commission


Policy year Fund at Mortality, Fund at
Premium Morbidity Other Surrender Death Other Surrender Death Payable to
GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intremediary
Charges Year Charges Year
(Rs)

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

21 50,000 - 18,277 3,290 13,67,286 13,67,286 13,67,286 - 28,830 5,189 21,94,054 21,94,054 21,94,054 -

22 50,000 - 19,392 3,491 14,50,680 14,50,680 14,50,680 - 31,342 5,642 23,85,272 23,85,272 23,85,272 -
23 50,000 - 20,533 3,696 15,36,039 15,36,039 15,36,039 - 34,013 6,122 25,88,523 25,88,523 25,88,523 -

24 50,000 - 21,701 3,906 16,23,409 16,23,409 16,23,409 - 36,852 6,633 28,04,565 28,04,565 28,04,565 -

25 50,000 - 22,896 4,121 17,12,838 17,12,838 17,12,838 - 39,869 7,176 30,34,202 30,34,202 30,34,202 -
26 50,000 - 24,120 4,342 18,04,375 18,04,375 18,04,375 - 43,077 7,754 32,78,291 32,78,291 32,78,291 -

27 50,000 - 25,372 4,567 18,98,068 18,98,068 18,98,068 - 46,486 8,367 35,37,740 35,37,740 35,37,740 -
28 50,000 - 26,654 4,798 19,93,968 19,93,968 19,93,968 - 50,109 9,020 38,13,516 38,13,516 38,13,516 -

29 50,000 - 27,966 5,034 20,92,128 20,92,128 20,92,128 - 53,961 9,713 41,06,646 41,06,646 41,06,646 -

30 50,000 - 29,309 5,276 21,92,601 21,92,601 21,92,601 - 58,055 10,450 44,18,224 44,18,224 44,18,224 -
31 - - 30,000 5,400 22,44,264 22,44,264 22,44,264 - 61,709 11,108 46,96,262 46,96,262 46,96,262 -

32 - - 30,707 5,527 22,97,143 22,97,143 22,97,143 - 65,592 11,807 49,91,797 49,91,797 49,91,797 -

33 - - 31,430 5,657 23,55,022 23,51,269 23,55,022 - 69,720 12,550 53,09,190 53,05,930 53,09,190 -
34 - - 32,222 5,800 24,10,512 24,10,512 24,10,512 - 74,153 13,347 56,43,297 56,43,297 56,43,297 -

35 - - 32,982 5,937 24,67,308 24,67,308 24,67,308 - 78,819 14,187 59,98,429 59,98,429 59,98,429 -

36 - - 33,759 6,077 25,25,443 25,25,443 25,25,443 - 83,779 15,080 63,75,909 63,75,909 63,75,909 -

37 - - 34,554 6,220 25,84,948 25,84,948 25,84,948 - 89,051 16,029 67,77,144 67,77,144 67,77,144 -
38 - - 35,368 6,366 26,45,855 26,45,855 26,45,855 - 94,655 17,038 72,03,629 72,03,629 72,03,629 -

39 - - 36,202 6,516 27,08,197 27,08,197 27,08,197 - 1,00,612 18,110 76,56,953 76,56,953 76,56,953 -

40 - - 37,055 6,670 27,72,008 27,72,008 27,72,008 - 1,06,943 19,250 81,38,804 81,38,804 81,38,804 -

41 - - 37,928 6,827 28,37,322 28,37,322 28,37,322 - 1,13,673 20,461 86,50,978 86,50,978 86,50,978 -

42 - - 38,821 6,988 29,04,175 29,04,175 29,04,175 - 1,20,827 21,749 91,95,383 91,95,383 91,95,383 -

43 - - 39,736 7,152 29,72,604 29,72,604 29,72,604 - 1,28,430 23,117 97,74,047 97,74,047 97,74,047 -
44 - - 40,672 7,321 30,42,645 30,42,645 30,42,645 - 1,36,512 24,572 1,03,89,127 1,03,89,127 1,03,89,127 -

45 - - 41,631 7,494 31,14,336 31,14,336 31,14,336 - 1,45,103 26,119 1,10,42,913 1,10,42,913 1,10,42,913 -

46 - - 42,612 7,670 31,87,716 31,87,716 31,87,716 - 1,54,234 27,762 1,17,37,842 1,17,37,842 1,17,37,842 -

47 - - 43,616 7,851 32,62,825 32,62,825 32,62,825 - 1,63,940 29,509 1,24,76,503 1,24,76,503 1,24,76,503 -

48 - - 44,643 8,036 33,39,704 33,39,704 33,39,704 - 1,74,257 31,366 1,32,61,648 1,32,61,648 1,32,61,648 -
49 - - 45,695 8,225 34,18,395 34,18,395 34,18,395 - 1,85,223 33,340 1,40,96,202 1,40,96,202 1,40,96,202 -

50 - - 46,772 8,419 34,98,939 34,98,939 34,98,939 - 1,96,879 35,438 1,49,83,274 1,49,83,274 1,49,83,274 -

51 - - 47,874 8,617 35,81,382 35,81,382 35,81,382 - 2,09,269 37,668 1,59,26,170 1,59,26,170 1,59,26,170 -

52 - - 49,002 8,820 36,65,767 36,65,767 36,65,767 - 2,22,438 40,039 1,69,28,402 1,69,28,402 1,69,28,402 -

53 - - 50,156 9,028 37,52,140 37,52,140 37,52,140 - 2,36,436 42,558 1,79,93,704 1,79,93,704 1,79,93,704 -

54 - - 51,338 9,241 38,40,548 38,40,548 38,40,548 - 2,51,315 45,237 1,91,26,046 1,91,26,046 1,91,26,046 -
55 - - 52,548 9,459 39,31,040 39,31,040 39,31,040 - 2,67,130 48,083 2,03,29,646 2,03,29,646 2,03,29,646 -

56 - - 53,786 9,681 40,23,663 40,23,663 40,23,663 - 2,83,941 51,109 2,16,08,988 2,16,08,988 2,16,08,988 -

57 - - 55,053 9,910 41,18,469 41,18,469 41,18,469 - 3,01,809 54,326 2,29,68,839 2,29,68,839 2,29,68,839 -

58 - - 56,351 10,143 42,15,509 42,15,509 42,15,509 - 3,20,802 57,744 2,44,14,265 2,44,14,265 2,44,14,265 -

59 - - 57,678 10,382 43,14,835 43,14,835 43,14,835 - 3,40,990 61,378 2,59,50,652 2,59,50,652 2,59,50,652 -
60 - - 59,037 10,627 44,16,502 44,16,502 44,16,502 - 3,62,448 65,241 2,75,83,723 2,75,83,723 2,75,83,723 -

61 - - 60,428 10,877 45,20,564 45,20,564 45,20,564 - 3,85,257 69,346 2,93,19,564 2,93,19,564 2,93,19,564 -

62 - - 61,852 11,133 46,27,078 46,27,078 46,27,078 - 4,09,501 73,710 3,11,64,640 3,11,64,640 3,11,64,640 -

*See Part B for details.


IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATION PURPOSE

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

Place:

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

PART B
Gross Net
8% p.a 6.56% Amount in Rupees
Yield Yield

Premium Annualized
Annualized Allocation Premium Policy Additions Fund at
Policy Mortality Guarantee Other Fund Surrender Death
Premium Charge -Premium Charge GST Admin to FMC End
Year Charge charges* before FMC Value Benefit
(AP) Charge the fund of Year
(PAC) (AP)-(PAC)

1 50,000 (500) 50,500 670 246 - - 199 - 52,931 699 52,861 52,861 5,00,000
Gross Net
8% p.a 6.56% Amount in Rupees
Yield Yield

Premium Annualized
Annualized Allocation Premium Policy Additions Fund at
Policy Mortality Guarantee Other Fund Surrender Death
Premium Charge -Premium Charge GST Admin to FMC End
Year Charge charges* before FMC Value Benefit
(AP) Charge the fund of Year
(PAC) (AP)-(PAC)

2 50,000 (500) 50,500 630 372 - - 938 - 1,09,242 1,438 1,09,097 1,09,097 5,00,000

3 50,000 (500) 50,500 577 504 - - 1,724 - 1,69,161 2,224 1,68,937 1,68,937 5,00,000

4 50,000 (500) 50,500 507 642 - - 2,560 - 2,32,936 3,060 2,32,627 2,32,627 5,00,000

5 50,000 (500) 50,500 417 786 - - 3,451 - 3,00,833 3,951 3,00,434 3,00,434 5,00,000

6 50,000 (-) 50,000 303 935 - - 4,892 - 3,72,612 4,892 3,72,118 3,72,118 5,00,000
7 50,000 (-) 50,000 155 1,089 - - 5,894 - 4,49,087 5,894 4,48,491 4,48,491 5,00,000

8 50,000 (-) 50,000 - 1,253 - - 6,962 - 5,30,565 6,962 5,29,861 5,29,861 5,29,861

9 50,000 (-) 50,000 - 1,458 - - 8,099 - 6,17,170 8,099 6,16,352 6,16,352 6,16,352

10 50,000 (-) 50,000 - 1,675 - - 9,307 - 7,09,226 9,307 7,08,285 7,08,285 7,08,285

11 50,000 (-) 50,000 - 1,906 - - 10,591 - 8,07,075 10,591 8,06,004 8,06,004 8,06,004
12 50,000 (-) 50,000 - 2,152 - - 11,956 - 9,11,081 11,956 9,09,872 9,09,872 9,09,872

13 50,000 (-) 50,000 - 2,413 - - 13,406 - 10,21,632 13,406 10,20,277 10,20,277 10,20,277

14 50,000 (-) 50,000 - 2,691 - - 14,948 - 11,39,140 14,948 11,37,629 11,37,629 11,37,629

15 50,000 (-) 50,000 - 2,986 - - 16,587 - 12,64,043 16,587 12,62,366 12,62,366 12,62,366

16 50,000 (-) 50,000 - 3,299 - - 18,330 - 13,96,807 18,330 13,94,953 13,94,953 13,94,953

17 50,000 (-) 50,000 - 3,633 - - 20,181 - 15,37,925 20,181 15,35,884 15,35,884 15,35,884
18 50,000 (-) 50,000 - 3,987 - - 22,150 - 16,87,923 22,150 16,85,684 16,85,684 16,85,684

19 50,000 (-) 50,000 - 4,364 - - 24,242 - 18,47,361 24,242 18,44,910 18,44,910 18,44,910

20 50,000 (-) 50,000 - 4,764 - - 26,466 - 20,16,832 26,466 20,14,156 20,14,156 20,14,156

21 50,000 (-) 50,000 - 5,189 - - 28,830 - 21,96,968 28,830 21,94,054 21,94,054 21,94,054

22 50,000 (-) 50,000 - 5,642 - - 31,342 - 23,88,440 31,342 23,85,272 23,85,272 23,85,272
23 50,000 (-) 50,000 - 6,122 - - 34,013 - 25,91,962 34,013 25,88,523 25,88,523 25,88,523

24 50,000 (-) 50,000 - 6,633 - - 36,852 - 28,08,291 36,852 28,04,565 28,04,565 28,04,565

25 50,000 (-) 50,000 - 7,176 - - 39,869 - 30,38,233 39,869 30,34,202 30,34,202 30,34,202

26 50,000 (-) 50,000 - 7,754 - - 43,077 - 32,82,646 43,077 32,78,291 32,78,291 32,78,291

27 50,000 (-) 50,000 - 8,367 - - 46,486 - 35,42,440 46,486 35,37,740 35,37,740 35,37,740

28 50,000 (-) 50,000 - 9,020 - - 50,109 - 38,18,582 50,109 38,13,516 38,13,516 38,13,516
29 50,000 (-) 50,000 - 9,713 - - 53,961 - 41,12,102 53,961 41,06,646 41,06,646 41,06,646

30 50,000 (-) 50,000 - 10,450 - - 58,055 - 44,24,093 58,055 44,18,224 44,18,224 44,18,224

31 - (-) - - 11,108 - - 61,709 - 47,02,501 61,709 46,96,262 46,96,262 46,96,262

32 - (-) - - 11,807 - - 65,592 - 49,98,429 65,592 49,91,797 49,91,797 49,91,797

33 - (-) - - 12,550 - - 69,720 3,260 53,12,979 69,720 53,09,190 53,05,930 53,09,190


34 - (-) - - 13,347 - - 74,153 - 56,50,794 74,153 56,43,297 56,43,297 56,43,297

35 - (-) - - 14,187 - - 78,819 - 60,06,398 78,819 59,98,429 59,98,429 59,98,429


36 - (-) - - 15,080 - - 83,779 - 63,84,380 83,779 63,75,909 63,75,909 63,75,909
37 - (-) - - 16,029 - - 89,051 - 67,86,148 89,051 67,77,144 67,77,144 67,77,144

38 - (-) - - 17,038 - - 94,655 - 72,13,199 94,655 72,03,629 72,03,629 72,03,629


39 - (-) - - 18,110 - - 1,00,612 - 76,67,125 1,00,612 76,56,953 76,56,953 76,56,953

40 - (-) - - 19,250 - - 1,06,943 - 81,49,617 1,06,943 81,38,804 81,38,804 81,38,804


41 - (-) - - 20,461 - - 1,13,673 - 86,62,471 1,13,673 86,50,978 86,50,978 86,50,978
42 - (-) - - 21,749 - - 1,20,827 - 92,07,599 1,20,827 91,95,383 91,95,383 91,95,383

43 - (-) - - 23,117 - - 1,28,430 - 97,87,032 1,28,430 97,74,047 97,74,047 97,74,047


44 - (-) - - 24,572 - - 1,36,512 - 1,04,02,929 1,36,512 1,03,89,127 1,03,89,127 1,03,89,127

45 - (-) - - 26,119 - - 1,45,103 - 1,10,57,584 1,45,103 1,10,42,913 1,10,42,913 1,10,42,913


46 - (-) - - 27,762 - - 1,54,234 - 1,17,53,437 1,54,234 1,17,37,842 1,17,37,842 1,17,37,842

47 - (-) - - 29,509 - - 1,63,940 - 1,24,93,079 1,63,940 1,24,76,503 1,24,76,503 1,24,76,503


48 - (-) - - 31,366 - - 1,74,257 - 1,32,79,267 1,74,257 1,32,61,648 1,32,61,648 1,32,61,648
49 - (-) - - 33,340 - - 1,85,223 - 1,41,14,929 1,85,223 1,40,96,202 1,40,96,202 1,40,96,202

50 - (-) - - 35,438 - - 1,96,879 - 1,50,03,180 1,96,879 1,49,83,274 1,49,83,274 1,49,83,274


51 - (-) - - 37,668 - - 2,09,269 - 1,59,47,329 2,09,269 1,59,26,170 1,59,26,170 1,59,26,170

52 - (-) - - 40,039 - - 2,22,438 - 1,69,50,892 2,22,438 1,69,28,402 1,69,28,402 1,69,28,402


53 - (-) - - 42,558 - - 2,36,436 - 1,80,17,610 2,36,436 1,79,93,704 1,79,93,704 1,79,93,704
54 - (-) - - 45,237 - - 2,51,315 - 1,91,51,456 2,51,315 1,91,26,046 1,91,26,046 1,91,26,046

55 - (-) - - 48,083 - - 2,67,130 - 2,03,56,655 2,67,130 2,03,29,646 2,03,29,646 2,03,29,646


56 - (-) - - 51,109 - - 2,83,941 - 2,16,37,696 2,83,941 2,16,08,988 2,16,08,988 2,16,08,988

57 - (-) - - 54,326 - - 3,01,809 - 2,29,99,354 3,01,809 2,29,68,839 2,29,68,839 2,29,68,839


58 - (-) - - 57,744 - - 3,20,802 - 2,44,46,701 3,20,802 2,44,14,265 2,44,14,265 2,44,14,265
59 - (-) - - 61,378 - - 3,40,990 - 2,59,85,128 3,40,990 2,59,50,652 2,59,50,652 2,59,50,652

60 - (-) - - 65,241 - - 3,62,448 - 2,76,20,370 3,62,448 2,75,83,723 2,75,83,723 2,75,83,723


Gross Net
8% p.a 6.56% Amount in Rupees
Yield Yield

Premium Annualized
Annualized Allocation Premium Policy Additions Fund at
Policy Mortality Guarantee Other Fund Surrender Death
Premium Charge -Premium Charge GST Admin to FMC End
Year Charge charges* before FMC Value Benefit
(AP) Charge the fund of Year
(PAC) (AP)-(PAC)

61 - (-) - - 69,346 - - 3,85,257 - 2,93,58,516 3,85,257 2,93,19,564 2,93,19,564 2,93,19,564


62 - (-) - - 73,710 - - 4,09,501 - 3,12,06,044 4,09,501 3,11,64,640 3,11,64,640 3,11,64,640

Gross
4% p.a Amount in Rupees
Yield

Premium Annualized
Annualized Allocation Premium
Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge -Premium GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP)
(PAC) (AP)-(PAC)

1 50,000 (500) 50,500 671 244 - - 185 - 50,955 685 50,888 50,888 5,00,000

2 50,000 (500) 50,500 636 363 - - 882 - 1,03,154 1,382 1,03,017 1,03,017 5,00,000
3 50,000 (500) 50,500 592 484 - - 1,595 - 1,56,634 2,095 1,56,426 1,56,426 5,00,000

4 50,000 (500) 50,500 538 606 - - 2,327 - 2,11,439 2,827 2,11,159 2,11,159 5,00,000
5 50,000 (500) 50,500 471 728 - - 3,076 - 2,67,616 3,576 2,67,261 2,67,261 5,00,000
6 50,000 (-) 50,000 389 851 - - 4,337 - 3,24,703 4,337 3,24,272 3,24,272 5,00,000

7 50,000 (-) 50,000 287 973 - - 5,118 - 3,83,256 5,118 3,82,747 3,82,747 5,00,000
8 50,000 (-) 50,000 162 1,095 - - 5,920 - 4,43,338 5,920 4,42,750 4,42,750 5,00,000

9 50,000 (-) 50,000 7 1,215 - - 6,742 - 5,05,022 6,742 5,04,352 5,04,352 5,04,352
10 50,000 (-) 50,000 - 1,365 - - 7,585 - 5,68,167 7,585 5,67,413 5,67,413 5,67,413
11 50,000 (-) 50,000 - 1,521 - - 8,448 - 6,32,800 8,448 6,31,961 6,31,961 6,31,961

12 50,000 (-) 50,000 - 1,680 - - 9,331 - 6,98,957 9,331 6,98,029 6,98,029 6,98,029
13 50,000 (-) 50,000 - 1,842 - - 10,235 - 7,66,672 10,235 7,65,654 7,65,654 7,65,654

14 50,000 (-) 50,000 - 2,009 - - 11,160 - 8,35,982 11,160 8,34,873 8,34,873 8,34,873
15 50,000 (-) 50,000 - 2,179 - - 12,107 - 9,06,926 12,107 9,05,722 9,05,722 9,05,722
16 50,000 (-) 50,000 - 2,354 - - 13,077 - 9,79,541 13,077 9,78,241 9,78,241 9,78,241

17 50,000 (-) 50,000 - 2,532 - - 14,069 - 10,53,867 14,069 10,52,469 10,52,469 10,52,469
18 50,000 (-) 50,000 - 2,715 - - 15,084 - 11,29,945 15,084 11,28,445 11,28,445 11,28,445

19 50,000 (-) 50,000 - 2,902 - - 16,124 - 12,07,814 16,124 12,06,212 12,06,212 12,06,212
20 50,000 (-) 50,000 - 3,094 - - 17,188 - 12,87,519 17,188 12,85,811 12,85,811 12,85,811
21 50,000 (-) 50,000 - 3,290 - - 18,277 - 13,69,102 18,277 13,67,286 13,67,286 13,67,286

22 50,000 (-) 50,000 - 3,491 - - 19,392 - 14,52,607 19,392 14,50,680 14,50,680 14,50,680
23 50,000 (-) 50,000 - 3,696 - - 20,533 - 15,38,080 20,533 15,36,039 15,36,039 15,36,039

24 50,000 (-) 50,000 - 3,906 - - 21,701 - 16,25,566 21,701 16,23,409 16,23,409 16,23,409
25 50,000 (-) 50,000 - 4,121 - - 22,896 - 17,15,114 22,896 17,12,838 17,12,838 17,12,838

26 50,000 (-) 50,000 - 4,342 - - 24,120 - 18,06,772 24,120 18,04,375 18,04,375 18,04,375
27 50,000 (-) 50,000 - 4,567 - - 25,372 - 19,00,589 25,372 18,98,068 18,98,068 18,98,068
28 50,000 (-) 50,000 - 4,798 - - 26,654 - 19,96,617 26,654 19,93,968 19,93,968 19,93,968

29 50,000 (-) 50,000 - 5,034 - - 27,966 - 20,94,908 27,966 20,92,128 20,92,128 20,92,128
30 50,000 (-) 50,000 - 5,276 - - 29,309 - 21,95,514 29,309 21,92,601 21,92,601 21,92,601

31 - (-) - - 5,400 - - 30,000 - 22,47,245 30,000 22,44,264 22,44,264 22,44,264


32 - (-) - - 5,527 - - 30,707 - 23,00,195 30,707 22,97,143 22,97,143 22,97,143
33 - (-) - - 5,657 - - 31,430 3,754 23,54,393 31,430 23,55,022 23,51,269 23,55,022

34 - (-) - - 5,800 - - 32,222 - 24,13,714 32,222 24,10,512 24,10,512 24,10,512


35 - (-) - - 5,937 - - 32,982 - 24,70,586 32,982 24,67,308 24,67,308 24,67,308

36 - (-) - - 6,077 - - 33,759 - 25,28,799 33,759 25,25,443 25,25,443 25,25,443


37 - (-) - - 6,220 - - 34,554 - 25,88,382 34,554 25,84,948 25,84,948 25,84,948
38 - (-) - - 6,366 - - 35,368 - 26,49,370 35,368 26,45,855 26,45,855 26,45,855

39 - (-) - - 6,516 - - 36,202 - 27,11,795 36,202 27,08,197 27,08,197 27,08,197


40 - (-) - - 6,670 - - 37,055 - 27,75,690 37,055 27,72,008 27,72,008 27,72,008

41 - (-) - - 6,827 - - 37,928 - 28,41,092 37,928 28,37,322 28,37,322 28,37,322


42 - (-) - - 6,988 - - 38,821 - 29,08,034 38,821 29,04,175 29,04,175 29,04,175
43 - (-) - - 7,152 - - 39,736 - 29,76,553 39,736 29,72,604 29,72,604 29,72,604

44 - (-) - - 7,321 - - 40,672 - 30,46,687 40,672 30,42,645 30,42,645 30,42,645


45 - (-) - - 7,494 - - 41,631 - 31,18,473 41,631 31,14,336 31,14,336 31,14,336

46 - (-) - - 7,670 - - 42,612 - 31,91,951 42,612 31,87,716 31,87,716 31,87,716


47 - (-) - - 7,851 - - 43,616 - 32,67,160 43,616 32,62,825 32,62,825 32,62,825

48 - (-) - - 8,036 - - 44,643 - 33,44,141 44,643 33,39,704 33,39,704 33,39,704


49 - (-) - - 8,225 - - 45,695 - 34,22,936 45,695 34,18,395 34,18,395 34,18,395
50 - (-) - - 8,419 - - 46,772 - 35,03,588 46,772 34,98,939 34,98,939 34,98,939

51 - (-) - - 8,617 - - 47,874 - 35,86,140 47,874 35,81,382 35,81,382 35,81,382


52 - (-) - - 8,820 - - 49,002 - 36,70,637 49,002 36,65,767 36,65,767 36,65,767
Gross
4% p.a Amount in Rupees
Yield

Premium Annualized
Annualized Allocation Premium
Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge -Premium GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP)
(PAC) (AP)-(PAC)

53 - (-) - - 9,028 - - 50,156 - 37,57,125 50,156 37,52,140 37,52,140 37,52,140

54 - (-) - - 9,241 - - 51,338 - 38,45,651 51,338 38,40,548 38,40,548 38,40,548


55 - (-) - - 9,459 - - 52,548 - 39,36,262 52,548 39,31,040 39,31,040 39,31,040

56 - (-) - - 9,681 - - 53,786 - 40,29,009 53,786 40,23,663 40,23,663 40,23,663


57 - (-) - - 9,910 - - 55,053 - 41,23,941 55,053 41,18,469 41,18,469 41,18,469
58 - (-) - - 10,143 - - 56,351 - 42,21,110 56,351 42,15,509 42,15,509 42,15,509

59 - (-) - - 10,382 - - 57,678 - 43,20,568 57,678 43,14,835 43,14,835 43,14,835


60 - (-) - - 10,627 - - 59,037 - 44,22,369 59,037 44,16,502 44,16,502 44,16,502

61 - (-) - - 10,877 - - 60,428 - 45,26,570 60,428 45,20,564 45,20,564 45,20,564


62 - (-) - - 11,133 - - 61,852 - 46,33,225 61,852 46,27,078 46,27,078 46,27,078

*Specify details if any,


Notes:

1. Refer the sales literature for explaination of terms used in this illustration.
2. Fund management charge is based on the specific fund option(s) chosen.
3. In case rider charges are collected explicitly through collection of rider premium, and not by way of cancellation of units, then, such charges are not considered in this illustration.
In other cases, rider charges are included in other charges.

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

Place:

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

Channel Name : Direct - Online

Note: Kindly note that name of the company has changed from "HDFC Standard Life Insurance Company Limited" to "HDFC Life Insurance Company Limited".

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