This advertisement is designed for combination of Benefits of two or more individual and separate products named which is a Unit
Linked Non-Participating Life Insurance Plan
and 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
Presented by: Brought to you by:
HDFC Life Insurance Company Limited
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My Life, My Needs
, 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
My Benefits
Get opportunity to invest in equity for upside with capital protection
Tax benefits are available as per the prevailing tax laws, subject to conditions / limits specified. #
My Commitments,My Pride
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.
C2I-N-Sanchay Fixed Maturity 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
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My Product Mix
Fund Opted For
Product Name Fund Name Fund Allocation(%)
HDFC Life Click 2 Invest - ULIP
Rider Opted For
Rider Name Rider UIN Rider PPT Rider PT Rider Sum Assured Rs.
Premium Summary Of HDFC Life Click 2 Invest
Total
PP Rider PP Rider Instalment
Base Plan CI Rider IB Rider (PAC) (ADC) PP Rider (CC) Premium
** 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
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Illustration
Customized Life solution for
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OTHER FEATURES
Surrender Value:Although we recommend that you pay your premiums regularly to receive all benefits under your policy, if you wish to surrender your policy, the
surrender value payable will depend on the year you surrender your policy. If you surrender during the lock-in period, your fund value less discontinuance charge
will be moved to the "Discontinued Policy Fund ". The proceeds of the Discontinued Policy shall be paid out at the completion of the lock-in period or on date of
surrender, whichever is later. If you surrender after lock-in period, fund value at the time of surrender will be paid out immediately. After payment of the surrender
benefit your policy will terminate and no other benefits will be payable.
Settlement Option:The investment risk during the settlement period continues to be borne by the Policy holder. You have the option to take the Unit Fund value
in periodical instalments over a period which may extend to a maximum of 5 years. The first instalment under settlement option shall be payable on the date of
maturity. The changes levied on the fund during settlement period are the fund management charge, switching charge and mortality charges if any. The company
will not levy any other charges. Switches will be allowed during the settlement period. Partial withdrawals shall not be allowed during the settlement period.
Complete withdrawal will be allowed at any time during the settlement period without levying any charge. Any Unit Fund Value remaining after 5 years from the
maturity date will be payable immediately.
Customized Life solution for
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FUND OPTIONS AVAILABLE
You can choose all or a combination of the following funds
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Customized Life solution for
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Sanchay Fixed Maturity Plan
Surrender Value:
The policy shall acquire a Guaranteed Surrender Value (GSV) immediately on the payment of Single Premium and on payment of first two year's
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premium in case of a Regular/ Limited Pay Policy.
The Guaranteed Surrender Value shall be equal to GSV factor applicable at the time of surrender multiplied with the Total Premiums Paid to date.
For details on GSV percentage, please refer to the Terms & Conditions below.
The surrender value payable shall be higher of the GSV and the Special Surrender Value (SSV). Upon payment of the Surrender Benefit, the policy
will terminate and no further benefits shall be payable.
Customized Life solution for
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Terms and Conditions
"This proposal is designed for combination of benefits of two or more individual and separate products named HDFC Life Click 2 Invest - ULIP & 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 "
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The combined illustration has been proposed by HDFC Life Insurance Company Limited to help you understand the benefits of and . 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.
For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale . is a Unit Linked Non-Participating Life
Insurance Plan and a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan offered by HDFC Life .
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 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. ARN: DP/08/22/28686
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.
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 - and 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
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