14-10-2022
Quote No : qbdaelkbny5rh
Benefit Illustration for HDFC Life Click 2 Invest - ULIP
This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your
HDFC Life Click 2 Invest - ULIP
DETAILS
Proposal No:
Name of the Prospect/Policyholder: Karishma Gupta Name of Product: HDFC Life Click 2 Invest - ULIP
A Unit Linked Non Participating
Age: 16 years* Tag Line:
Life Insurance Plan.
Name of Life Assured: Karishma Gupta Unique Identification No: 101L100V03
Age: 16 years* GST Rate: 18%
Sum Assured: Rs.20000000 Investment Strategy opted for: 100% Equity oriented
Policy Term & Premium Payment Term: 10 year(s) & 5 year(s)
Amount of Instalment Premium: Rs.2000000
Mode of payment of Premium: Annual
Funds opted for along with their risk level:
Fund Risk Level Fund SFIN Fund Allocation (%)
Equity Plus Fund High ULIF05301/08/13EquityPlus101 0
Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 50
Blue Chip Fund High ULIF03501/01/10BlueChipFd101 50
Opportunities Fund High ULIF03601/01/10OpprtntyFd101 0
Balanced Fund Medium ULIF03901/09/10BalancedFd101 0
Income Fund Medium ULIF03401/01/10IncomeFund101 0
Bond Fund Low ULIF05601/08/13Bond Funds101 0
Conservative Fund Low ULIF05801/08/13ConsertvFd101 0
Discovery Fund High ULIF06618/01/18DiscvryFnd101 0
Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 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% and 4% 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.
Premium Summary
PP PP Total
Base Plan CI Rider IB Rider PP Rider (PAC) Rider Rider Instalment
(ADC) (CC) Premium
Instalment Premium without GST 20,00,000 0 0 0 0 0 2000000
Instalment Premium with First Year GST 20,00,000 0 0 0 0 0 2000000
Instalment Premium with GST 2nd Year Onwards 20,00,000 0 0 0 0 0 2000000
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 Intermediary
Charges Year Charges Year
(Rs)
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)
1 20,00,000 12,230 27,258 7,108 20,32,509 20,32,509 2,00,00,000 12,206 27,826 7,206 21,10,970 21,10,970 2,00,00,000 1,50,000
2 20,00,000 11,836 55,071 12,043 41,13,379 41,13,379 2,00,00,000 11,723 57,313 12,427 43,55,371 43,55,371 2,00,00,000 40,000
3 20,00,000 11,055 83,549 17,029 62,44,213 62,44,213 2,00,00,000 10,769 88,669 17,899 67,42,176 67,42,176 2,00,00,000 40,000
4 20,00,000 9,898 1,12,714 22,070 84,26,635 84,26,635 2,00,00,000 9,340 1,22,017 23,644 92,80,924 92,80,924 2,00,00,000 40,000
5 20,00,000 8,401 1,42,588 27,178 1,06,62,268 1,06,62,268 2,00,00,000 7,456 1,57,492 29,691 1,19,81,732 1,19,81,732 2,00,00,000 40,000
6 0 8,476 1,45,811 27,772 1,09,03,365 1,09,03,365 2,00,00,000 7,055 1,67,283 31,381 1,27,27,131 1,27,27,131 2,00,00,000 0
7 0 8,467 1,49,110 28,364 1,11,50,152 1,11,50,152 2,00,00,000 6,516 1,77,699 33,159 1,35,20,095 1,35,20,095 2,00,00,000 0
8 0 8,390 1,52,487 28,958 1,14,02,847 1,14,02,847 2,00,00,000 5,857 1,88,780 35,035 1,43,63,764 1,43,63,764 2,00,00,000 0
9 0 8,254 1,55,946 29,556 1,16,61,658 1,16,61,658 2,00,00,000 5,091 2,00,570 37,019 1,52,61,458 1,52,61,458 2,00,00,000 0
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 Intermediary
Charges Year Charges Year
(Rs)
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)
10 0 8,086 1,59,489 30,163 1,19,26,767 1,19,26,767 2,00,00,000 4,237 2,13,115 39,123 1,62,16,686 1,62,16,686 2,00,00,000 0
*See Part B for details.
IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATIVE PURPOSE.
I SAURABH SINGH, have explained the premiums charges and benefits under the I Karishma Gupta,having received the information with respect to the above, have
product fully to the 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 6.55% Amount in Rupees
Yield Yield
Annualized
Premium Premium
Annualized Allocation -Premium Policy Additions Fund at
Policy Mortality Guarantee Other Fund Surrender Death
Premium Charge Allocation Charge GST Admin to FMC End
Year Charge charges* before FMC Value Benefit
(AP) Charge Charge the fund of Year
(PAC) (AP)-(PAC)
1 20,00,000 0 20,00,000 12,206 7,206 0 0 0 0 21,13,775 27,826 21,10,970 21,10,970 2,00,00,000
2 20,00,000 0 20,00,000 11,723 12,427 0 0 0 0 43,61,158 57,313 43,55,371 43,55,371 2,00,00,000
3 20,00,000 0 20,00,000 10,769 17,899 0 0 0 0 67,51,133 88,669 67,42,176 67,42,176 2,00,00,000
4 20,00,000 0 20,00,000 9,340 23,644 0 0 0 0 92,93,254 1,22,017 92,80,924 92,80,924 2,00,00,000
5 20,00,000 0 20,00,000 7,456 29,691 0 0 0 0 1,19,97,650 1,57,492 1,19,81,732 1,19,81,732 2,00,00,000
6 0 0 0 7,055 31,381 0 0 0 0 1,27,44,040 1,67,283 1,27,27,131 1,27,27,131 2,00,00,000
7 0 0 0 6,516 33,159 0 0 0 0 1,35,38,057 1,77,699 1,35,20,095 1,35,20,095 2,00,00,000
8 0 0 0 5,857 35,035 0 0 0 0 1,43,82,847 1,88,780 1,43,63,764 1,43,63,764 2,00,00,000
9 0 0 0 5,091 37,019 0 0 0 0 1,52,81,734 2,00,570 1,52,61,458 1,52,61,458 2,00,00,000
10 0 0 0 4,237 39,123 0 0 0 0 1,62,38,231 2,13,115 1,62,16,686 1,62,16,686 2,00,00,000
Gross
4% p.a Amount in Rupees
Yield
Annualized
Premium Premium
Annualized Allocation -Premium Policy Additions Fund at
Policy Mortality Guarantee Other Fund Surrender Death
Premium Charge Allocation Charge GST Admin to FMC End
Year Charge charges* before FMC Value Benefit
(AP) Charge Charge the fund of Year
(PAC) (AP)-(PAC)
1 20,00,000 0 20,00,000 12,230 7,108 0 0 0 0 20,35,210 27,258 20,32,509 20,32,509 2,00,00,000
2 20,00,000 0 20,00,000 11,836 12,043 0 0 0 0 41,18,844 55,071 41,13,379 41,13,379 2,00,00,000
3 20,00,000 0 20,00,000 11,055 17,029 0 0 0 0 62,52,508 83,549 62,44,213 62,44,213 2,00,00,000
4 20,00,000 0 20,00,000 9,898 22,070 0 0 0 0 84,37,830 1,12,714 84,26,635 84,26,635 2,00,00,000
5 20,00,000 0 20,00,000 8,401 27,178 0 0 0 0 1,06,76,434 1,42,588 1,06,62,268 1,06,62,268 2,00,00,000
6 0 0 0 8,476 27,772 0 0 0 0 1,09,17,851 1,45,811 1,09,03,365 1,09,03,365 2,00,00,000
7 0 0 0 8,467 28,364 0 0 0 0 1,11,64,965 1,49,110 1,11,50,152 1,11,50,152 2,00,00,000
8 0 0 0 8,390 28,958 0 0 0 0 1,14,17,996 1,52,487 1,14,02,847 1,14,02,847 2,00,00,000
9 0 0 0 8,254 29,556 0 0 0 0 1,16,77,150 1,55,946 1,16,61,658 1,16,61,658 2,00,00,000
10 0 0 0 8,086 30,163 0 0 0 0 1,19,42,613 1,59,489 1,19,26,767 1,19,26,767 2,00,00,000
*Specify details if any,
Notes:
1. Refer the sales literature for explanation 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 SAURABH SINGH, have explained the premiums charges and benefits under the I Karishma Gupta,having received the information with respect to the above, have
product fully to the 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 : IDFC FIRST Bank
Note: Kindly note that name of the company has changed from "HDFC Standard Life Insurance Company Limited" to "HDFC Life Insurance Company Limited".
