08-08-2024

Quote No : cbg249poosv

Benefit Illustration for HDFC SL Crest

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC SL
Crest

DETAILS
Proposal No:
Name of the Prospect/Policy holder: S Name of Product: HDFC SL Crest
A Unit Linked Non Participating Life
Age: 32 Tag Line:
Insurance plan
Name of Life Assured: S Unique Identification No: 101L064V03
Age: 32 GST Rate: 18%*
10% Hybrid oriented
Sum Assured: Rs.1000000 Investment Strategy opted for:
90% Equity oriented
Policy Term & Premium Payment Term: 10year(s) & 5year(s)
Amount of Instalment Premium: Rs.100000
Mode of payment of Premium: Annual
*0% if qualifies as zero-rated supply under GST law

Funds opted for along with their risk level:

Fund Risk Level Fund SFIN Fund Allocation (%)

Income Fund Medium ULIF03401/01/10IncomeFund101 0

Balanced Fund Medium ULIF03901/09/10BalancedFd101 10
Blue Chip Fund High ULIF03501/01/10BlueChipFd101 10
Opportunities Fund High ULIF03601/01/10OpprtntyFd101 40

Discovery Fund High ULIF06618/01/18DiscvryFnd101 40

Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0
Conservative Fund Low ULIF05801/08/13ConsertvFd101 0
Bond Fund Low ULIF05601/08/13Bond Funds101 0

Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0

Equity Plus Fund High ULIF05301/08/13EquityPlus101 0

Premium Summary

Base Plan CI Rider IB Rider Total Instalment Premium

Instalment Premium without GST 1,00,000 0 0 1,00,000
Instalment Premium with First Year GST 1,00,000 0 0 1,00,000

Instalment Premium with GST 2nd Year Onwards 1,00,000 0 0 1,00,000

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.
PART A
At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity 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 1,00,000 1,771 8,976 1,934 90,963 84,523 10,00,000 1,768 9,002 1,939 94,582 87,885 10,00,000 5,000
2 1,00,000 1,623 10,460 2,175 1,83,960 1,79,240 10,00,000 1,609 10,563 2,191 1,95,017 1,90,297 10,00,000 500

3 1,00,000 1,470 10,987 2,242 2,80,252 2,76,712 10,00,000 1,436 11,221 2,278 3,02,944 2,99,404 10,00,000 500

4 1,00,000 1,300 11,560 2,315 3,79,937 3,77,577 10,00,000 1,238 11,985 2,380 4,18,867 4,16,507 10,00,000 500
5 1,00,000 1,123 13,164 2,572 4,81,895 4,81,895 10,00,000 1,018 13,843 2,675 5,42,059 5,42,059 10,00,000 500

6 0 1,153 11,461 2,270 4,85,992 4,85,992 10,00,000 996 12,438 2,418 5,68,954 5,68,954 10,00,000 0

7 0 1,190 11,754 2,330 4,89,855 4,89,855 10,00,000 971 13,052 2,524 5,97,279 5,97,279 10,00,000 0
8 0 1,233 12,045 2,390 4,93,471 4,93,471 10,00,000 944 13,686 2,633 6,27,126 6,27,126 10,00,000 0

9 0 1,288 12,331 2,452 4,96,819 4,96,819 10,00,000 915 14,341 2,746 6,58,595 6,58,595 10,00,000 0

10 0 1,350 12,615 2,514 4,99,885 4,99,885 10,00,000 879 15,019 2,862 6,91,795 6,91,795 10,00,000 0

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

Place:

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

PART B
Gross
8% p.a Net Yield 5.04% Amount in Rupees
Yield

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

(PAC) (AP)-(PAC)

1 1,00,000 4,000 96,000 1,768 1,939 3,720 0 0 0 94,707 1,282 94,582 87,885 10,00,000
2 1,00,000 4,000 96,000 1,609 2,191 3,960 0 0 0 1,95,276 2,603 1,95,017 1,90,297 10,00,000
3 1,00,000 3,000 97,000 1,436 2,278 4,200 0 0 0 3,03,346 4,021 3,02,944 2,99,404 10,00,000

4 1,00,000 2,000 98,000 1,238 2,380 4,440 0 0 0 4,19,423 5,545 4,18,867 4,16,507 10,00,000

5 1,00,000 2,000 98,000 1,018 2,675 4,680 0 0 0 5,42,779 7,163 5,42,059 5,42,059 10,00,000

6 0 0 0 996 2,418 4,920 0 0 0 5,69,710 7,518 5,68,954 5,68,954 10,00,000

7 0 0 0 971 2,524 5,160 0 0 0 5,98,072 7,892 5,97,279 5,97,279 10,00,000

8 0 0 0 944 2,633 5,400 0 0 0 6,27,960 8,286 6,27,126 6,27,126 10,00,000

9 0 0 0 915 2,746 5,640 0 0 0 6,59,470 8,701 6,58,595 6,58,595 10,00,000

10 0 0 0 879 2,862 5,880 0 0 0 6,92,714 9,139 6,91,795 6,91,795 10,00,000

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 1,00,000 4,000 96,000 1,771 1,934 3,720 0 0 0 91,084 1,256 90,963 84,523 10,00,000

2 1,00,000 4,000 96,000 1,623 2,175 3,960 0 0 0 1,84,205 2,500 1,83,960 1,79,240 10,00,000

3 1,00,000 3,000 97,000 1,470 2,242 4,200 0 0 0 2,80,625 3,787 2,80,252 2,76,712 10,00,000

4 1,00,000 2,000 98,000 1,300 2,315 4,440 0 0 0 3,80,441 5,120 3,79,937 3,77,577 10,00,000
5 1,00,000 2,000 98,000 1,123 2,572 4,680 0 0 0 4,82,535 6,484 4,81,895 4,81,895 10,00,000

6 0 0 0 1,153 2,270 4,920 0 0 0 4,86,638 6,541 4,85,992 4,85,992 10,00,000

7 0 0 0 1,190 2,330 5,160 0 0 0 4,90,506 6,594 4,89,855 4,89,855 10,00,000

8 0 0 0 1,233 2,390 5,400 0 0 0 4,94,127 6,645 4,93,471 4,93,471 10,00,000

9 0 0 0 1,288 2,452 5,640 0 0 0 4,97,479 6,691 4,96,819 4,96,819 10,00,000

10 0 0 0 1,350 2,514 5,880 0 0 0 5,00,549 6,735 4,99,885 4,99,885 10,00,000

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

Place:

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

Channel Name : Agency

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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