This advertisement is designed for combination of Benefits of two or more individual and separate products named HDFC Life
Sampoorn Nivesh - 101L103V03 which is a Unit
Linked Non-Participating Life Insurance Plan and HDFC Life Sanchay Fixed Maturity Plan - 101N142V02 which is a Non-Linked, Non-Participating, Individual, Savings, Life
Insurance Plan offered by HDFC Life. These products are also available for sale individually without the combination offered / suggested. This benefit illustration is the arithmetic
combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products
mentioned herein before concluding the sale.
IN UNIT LINKED POLICIES, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER
A solution which offers best of both worlds - a secured sum for your future plans and an
opportunity of upside through investment in market linked funds
THE UNIT LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICY
HOLDER WILL NOT BE ABLE TO SURRENDER OR WITHDRAW THE MONIES INVESTED IN UNIT LINKED INSURANCE PRODUCTS COMPLETELY OR
PARTIALLY TILL THE END OF FIFTH YEAR.
Unique Life Solution Handbook
created for Mr. abc | Age: 32
Presented by: Brought to you by:
HDFC Life Insurance Company Limited
My Life, My Needs
Mr. abc , there are milestone and aspirations that you set out for yourself and your family. These milestone could be your
responsibilities which cannot be compromised or building a financially secure tomorrow for your loved ones.
Here is a solution which provides:
Guaranteed* lumpsum amount at maturity to ensure that you fulfil your non negotiable
responsibilities
Potential to earn higher benefit from market upside
My Plan
In case of survival, you get maturity at the end of 15 years
₹19,11,548 at an assumed rate of return @8% p.a.2; or
₹15,03,248 at an assumed rate of return @4% p.a.2
You Pay ₹2,00,000** Annual for just 5 years (of the above amount ₹9,38,854 is Guaranteed*)
32 36 47
yrs yrs yrs
Life cover starts at ₹19,56,940 and grows every year to reach
₹19,56,940 at an assumed rate of return @8% pa 2 or ₹19,56,940 at an assumed rate of return @4% pa.2
My Benefits
Get opportunity to invest in equity for upside with capital protection
Just pay ₹2,00,000** for 5 years
On Maturity at age 47, receive ₹19,11,548 at an assumed rate of return @8% p.a.2 or ₹15,03,248 at an assumed rate of
return @4% p.a.2 (of this amount ₹9,38,854* is guaranteed* to protect your capital investment)
Your minimum life cover starts at ₹19,56,940 and grows every year to reach ₹19,56,940 at an assumed rate of return
@8% p.a.2 or ₹19,56,940 at an assumed rate of return @4% p.a.2
Tax benefits are available as per the prevailing tax laws, subject to conditions / limits specified. #
My Commitments,My Pride
Mr. abc , Be the responsible provider for your family, without sacrificing the precious milestones..
Sign up to this solution which provides for guaranteed* returns at maturity along with the potential of upside by investing part of your premium in market
linked funds.
Sampoorn Nivesh-N-Sanchay FMP Plan pao...!
*Provided the policy is inforce and all due premiums are paid
**The premium amount payable in a year chosen by the policyholder excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
#Tax benefits are subject to changes in the tax laws. Please consult your tax consultant for detailed understanding of the tax benefits
2These assumed rate 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. For detailed understanding, please refer illustration page.
Customized Life solution for Mr. abc My Mix ID 00000000NF1231614992 dated 16-Aug-2022
Presented by: Page 2 of 5
My Product Mix
Total
Total Annual Premium
Annual Premium with tax
Premium Annual** with tax ( (Second year Basic
Policy Term Payment Term Premium (First year) onwards) Sum (Assured
Product Name (years) (years) (Rs.) (Rs.) (Rs.) (Rs.)
HDFC Life Sampoorn Nivesh - 101L103V03 15 5 1,00,000 1,00,000 1,00,000 10,00,000
HDFC Life Sanchay Fixed Maturity Plan -
15 5 95,694 1,00,000 97,847 9,38,854
101N142V02
Total: ₹2,00,000 ₹1,97,847 ₹19,38,854
Fund Opted For
Product Name Fund Name Fund Allocation(%)
HDFC Life Sampoorn Nivesh
Income Fund 80
Equity Advantage Fund 20
** The premium amount payable in a year chosen by the policyholder excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
All amounts are in Indian Rupees
Customized Life solution for Mr. abc My Mix ID 00000000NF1231614992 dated 16-Aug-2022
Presented by: Page 3 of 5
Illustration Death Benefit Fund Value (end of year)
Total Scenario @ Total Scenario @
Age Total Protection Total Protection Guaranteed* 4% 8%
(Start Scenario @ 4% Scenario @ 8% Maturity p.a.2 p.a.2
Policy of the Annualised** Cumulative p.a.2 assumed p.a.2 assumed Benefit assumed rate of assumed rate of
Year Year) Premium Premium Guaranteed* rate of return rate of return (End of the Year) Return Return
1 32 195694 195694 1956940 1956940 1956940 0 93533 97161
2 33 195694 391388 1956940 1956940 1956940 0 189378 200557
3 34 195694 587082 1956940 1956940 1956940 0 287597 310596
4 35 195694 782776 1956940 1956940 1956940 0 388256 427719
5 36 195694 978470 1956940 1956940 1956940 0 491429 552401
6 37 0 978470 1956940 1956940 1956940 0 496850 581042
7 38 0 978470 1956940 1956940 1956940 0 502081 611230
8 39 0 978470 1956940 1956940 1956940 0 507093 643055
9 40 0 978470 1956940 1956940 1956940 0 511855 676612
10 41 0 978470 1956940 1956940 1956940 0 516332 712006
11 42 0 978470 1956940 1956940 1956940 0 529822 762526
12 43 0 978470 1956940 1956940 1956940 0 533867 802826
13 44 0 978470 1956940 1956940 1956940 0 547154 860264
14 45 0 978470 1956940 1956940 1956940 0 550860 906536
15 46 0 978470 1956940 1956940 1956940 938854 1503248 1911548
Total: ₹9,78,470
*PLEASE REFER OFFICIAL QUOTES & ILLUSTRATION FOR DETAILED SCHEDULE OF CHARGES IN CONJUGATION WITH THE ILLUSTRATIVE
VALUES ABOVE
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 Maturity Benefit" 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. 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
actual future investment performance.
The benefits shown above are at the end of the year.
Age presented above represents assured life's age at the start of policy year.
2 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 actual future investment performance.
** The premium amount payable in a year chosen by the policyholder excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
All amounts are in Indian Rupees.
All Premiums are to be paid on or before due date.
*Provided the policy is inforce and all due premiums are paid.
The above benefits contain guaranteed and non-guaranteed items. Please refer to the disclaimer.
Customized Life solution for Mr. abc My Mix ID 00000000NF1231614992 dated 16-Aug-2022
Presented by: Page 4 of 5
Disclaimers
"This proposal is designed for combination of benefits of two or more individual and separate products named HDFC Life Sampoorn Nivesh & HDFC Life Sanchay Fixed Maturity
Plan. The customer has the choice of purchasing any one or more products as per his /her need and choice and there is no compulsion whatsoever that these products are to
be taken together as suggested by the insurer and presented in this proposed product combination. The customer is expected to ask questions, understand and satisfy himself
that the combination meets his/her specific needs better before deciding to purchase the suggested combination. This benefit illustration is the arithmetic combination and
chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein "
The combined illustration has been proposed by HDFC Life Insurance Company Limited to help you understand the benefits of HDFC Life Sampoorn Nivesh (UIN: 101L103V03)
and HDFC Life Sanchay Fixed Maturity Plan (UIN: 101N142V02). The values shown are for illustration only. What you actually receive will depend on what happens over the
future lifetime of your policy, particularly investment returns. The Illustration shows what you could get back using two assumed rates of investment return. Whilst future
investment returns would significantly influence policy benefits, other factors such as charges and taxes also have an impact on your benefits. Guaranteed benefits are available
provided all premiums are paid, when they are due. The illustrative benefits as mentioned, assume that all premiums that are due, have been paid. The assumed investment
returns of 4% and 8% per annum are not future bonus rates. Future bonus rates depend on the actual investment returns and other factors including but not limited to the
effects of taxation, persistency, mortality experience etc. These assumed rates of return are not guaranteed and they are not 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.
Other Disclaimers:
The benefits available under the proposed product combination solution shall be as per the respective product’s policy terms and conditions. The benefit of this proposed product
combination solution shall become payable only if all premiums for the entire premium payment term are paid in full, as the case may be. For a customized benefit illustration
please contact your Agent/Corporate Agent/Broker. The maturity values shown are of illustrative purpose only. At any point of time if there is any discrepancy in illustrative
values provided in this document with that of Quotes and Illustration (Qnl) calculator generated illustration, the amounts calculated through QnI calculator will be considered as
final.
Tax benefits are subject to changes in the tax laws. Premiums shown are exclusive of tax and other levies as applicable. Any statutory levy or charges (such as Tax and
other levies as applicable) 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. This document has no monetary value at any time and is not a
proof of any contract with HDFC Life Insurance Company Limited.”
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance
policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors
influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC
Life is only the name of the brand and HDFC Life Sampoorn Nivesh (UIN: 101L103V03) is only the name of the unit linked life insurance contract. The name of the company,
name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and
the applicable charges, from your Insurance agent or the Intermediary or policy document. The various funds offered under this contract are the names of the funds and do not
in any way indicate the quality of these plans, their future prospects and returns.
HDFC Life Insurance Company Limited ("HDFC Life"). CIN: L65110MH2000PLC128245, IRDAI Registration No. 101.
Registered Office: 13th Floor, Lodha Excelus, Apollo Mills Compound, N.M.Joshi Marg, Mahalaxmi, Mumbai - 400 011.
Email: service@hdfclife.com, Tel No: 1860 267 9999 (Mon-Sat 10 am to 7 pm) Local charges apply. Do NOT prefix any country code. e.g. +91 or 00. Website:
www.hdfclife.com
The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited ("HDFC Limited") and is used by HDFC Life under an
agreement entered into with HDFC Limited.For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding
a sale .
HDFC Life Sampoorn Nivesh (UIN: 101L103V03) is a Unit Linked Non-Participating Life Insurance Plan and HDFC Life Sanchay Fixed Maturity Plan (UIN: 101N142V02) a Non-
Linked, Non-Participating, Individual, Savings, Life Insurance Plan offered by HDFC Life .ARN: DP/05/22/29078
BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS
● IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
I, _____________________________________________ (Customer's Name), confirm that I have understood the above referred terms and
conditions and have read the disclaimers pertaining to this combo product. I understand that this is an illustration of a proposed combination of the
products - HDFC Life Sampoorn Nivesh (UIN: 101L103V03) and HDFC Life Sanchay Fixed Maturity Plan (UIN: 101N142V02) and these products
can be purchased individually. I will refer to the detailed sales brochure of the individual products mentioned herein, in case I need to understand
anything further.
Financial Consultant/ Sales Person's Signature: Customer's Signature:
Financial Consultant/ Sales Person's Name: Date:
Agency Code: Place:
Customized Life solution for Mr. abc My Mix ID 00000000NF1231614992 dated 16-Aug-2022
Presented by: Page 5 of 5
