07-08-2024

Quote No : cbdztcvsovo

Benefit Illustration for HDFC Life Sanchay Par Advantage

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC
Life Sanchay Par Advantage

Age is taken as on last birthday Proposal No:

Name of the Prospect /Policy holder: S Name of the Product: HDFC Life Sanchay Par Advantage
Age: 32 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: S
Unique Identification No: 101N136V03
Age: 32
GST Rate: 4.5%* for first year
Policy Term 40 year(s)
2.25%* second year onwards
Premium Payment Term: 8 year(s)
Amount of Installment Premium(Without GST): 100000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
*0% if qualifies as zero-rated supply under GST law

How to read and understand this benefit illustration?

This benefit illustration is intended to show year wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.

"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" 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, of 8% p.a. and 4% p.a. 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 future investment performance."

Policy Details
Policy Option Deferred Income Sum Assured on Maturity Rs. 8,00,000
Sum Assured on Death (at inception of
Bonus Type Cash Bonus 12,30,000
the policy) Rs.

Premium Summary
Total
Base CI IB
PP Rider (PAC) PP Rider (ADC) HPR Rider (CCI) HPR Rider (CC) WOP Rider Installment
Plan Rider Rider
Premium

Instalment
Premium
100000 0 0 0 0 0 0 0 100000
without
GST

Instalment
Premium
104500 0 0 0 0 0 0 0 104500
with First
Year GST

Instalment
Premium
with GST 102250 0 0 0 0 0 0 0 102250
2nd Year
Onwards

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 (Amounts in Rupees.)
Total Benefits
Non Guaranteed Non-Guaranteed including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. Benefits @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit
Total Total
Single / Total Total Total Total
Policy Death Death
Annualized Maturity Maturity Surrender Surrender
Year Benefit Benefit
Premium Benefit, Benefit, Benefit Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender incl of incl of
GA RB RB incl TB, if incl TB, if incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# TB, if TB, if
any, @ any, @ if any, @ if any, @
any, @ any, @
4% 8% 4% 8%
4% 8%
(7+TB) (7+TB) (5+10) (5+13)
(6+TB) (6+TB)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

1 1,00,000 0 0 0 12,30,000 0 0 0 0 0 0 0 0 0 12,30,000 12,30,000 0 0

2 1,00,000 0 0 60,000 12,30,000 0 0 0 10,000 0 0 10,000 0 0 12,30,000 12,30,000 70,000 70,000

3 1,00,000 0 0 1,05,000 12,30,000 0 0 0 15,000 0 0 15,000 0 0 12,30,000 12,30,000 1,20,000 1,20,000

4 1,00,000 0 0 2,00,000 12,30,000 0 0 0 40,000 0 0 40,000 0 0 12,30,000 12,30,000 2,40,000 2,40,000

5 1,00,000 0 0 2,50,000 12,30,000 0 0 0 50,000 0 0 61,000 0 0 12,30,000 12,30,000 3,00,000 3,11,000

6 1,00,000 0 0 3,00,000 12,30,000 0 0 0 1,10,000 0 0 1,65,000 0 0 12,30,000 12,30,000 4,10,000 4,65,000

7 1,00,000 0 0 3,50,000 12,30,000 0 0 0 2,17,000 0 0 3,06,000 0 0 12,30,000 12,30,000 5,67,000 6,56,000

8 1,00,000 0 0 4,80,000 12,30,000 0 0 0 2,73,000 0 0 4,10,000 0 0 12,30,000 12,30,000 7,53,000 8,90,000

9 0 0 0 5,20,000 12,30,000 0 0 0 2,61,000 0 0 4,40,000 0 0 12,30,000 12,30,000 7,81,000 9,60,000

10 0 0 28,400 6,00,000 12,30,000 0 0 3,100 2,13,000 0 44,600 4,42,000 0 0 12,30,000 12,30,000 8,13,000 10,42,000

11 0 0 28,400 6,40,000 12,30,000 0 0 3,100 2,05,000 0 44,600 4,79,000 0 0 12,30,000 12,30,000 8,45,000 11,19,000

12 0 0 28,400 7,20,000 12,30,000 0 0 3,100 1,57,000 0 44,600 4,78,000 0 0 12,30,000 12,30,000 8,77,000 11,98,000

13 0 0 28,400 7,20,000 12,30,000 0 0 3,100 1,89,000 0 44,600 5,56,000 0 0 12,30,000 12,30,000 9,09,000 12,76,000

14 0 0 28,400 7,20,000 12,30,000 0 0 3,100 2,21,000 0 44,600 6,35,000 0 0 12,30,000 12,30,000 9,41,000 13,55,000
15 0 0 28,400 7,20,000 12,30,000 0 0 3,100 2,52,000 0 44,600 7,14,000 0 0 12,30,000 12,30,000 9,72,000 14,34,000

16 0 0 28,400 7,20,000 12,30,000 0 0 3,100 3,27,000 0 44,600 8,50,000 0 0 12,30,000 12,30,000 10,47,000 15,70,000

17 0 0 28,400 7,20,000 12,30,000 0 0 3,100 3,59,000 0 44,600 9,30,000 0 0 12,30,000 12,30,000 10,79,000 16,50,000

18 0 0 28,400 7,20,000 12,30,000 0 0 3,100 3,90,000 0 44,600 10,11,000 0 0 12,30,000 12,30,000 11,10,000 17,31,000

19 0 0 28,400 7,20,000 12,30,000 0 0 3,100 4,21,000 0 44,600 10,83,000 0 0 12,30,000 12,30,000 11,41,000 18,03,000
20 0 0 28,400 7,20,000 12,30,000 0 0 3,100 4,52,000 0 44,600 10,92,000 0 0 12,30,000 12,30,000 11,72,000 18,12,000

21 0 0 28,400 7,20,000 12,30,000 0 0 3,100 4,83,000 0 44,600 11,02,000 0 0 12,30,000 12,30,000 12,03,000 18,22,000

22 0 0 28,400 7,20,000 12,30,000 0 0 3,100 5,14,000 0 44,600 11,13,000 0 0 12,30,000 12,30,000 12,34,000 18,33,000

23 0 0 28,400 7,20,000 12,30,000 0 0 3,100 5,44,000 0 44,600 11,25,000 0 0 12,30,000 12,30,000 12,64,000 18,45,000

24 0 0 28,400 7,20,000 12,30,000 0 0 3,100 5,74,000 0 44,600 11,37,000 0 0 12,30,000 12,30,000 12,94,000 18,57,000

25 0 0 28,400 7,20,000 12,30,000 0 0 3,100 6,04,000 0 44,600 11,50,000 0 0 12,30,000 12,30,000 13,24,000 18,70,000
26 0 0 28,400 7,20,000 12,30,000 0 0 3,100 6,33,000 0 44,600 11,65,000 0 0 12,30,000 12,30,000 13,53,000 18,85,000

27 0 0 28,400 7,20,000 12,30,000 0 0 3,100 6,62,000 0 44,600 11,80,000 0 0 12,30,000 12,30,000 13,82,000 19,00,000

28 0 0 28,400 7,20,000 12,30,000 0 0 3,100 6,91,000 0 44,600 11,96,000 0 0 12,30,000 12,30,000 14,11,000 19,16,000

29 0 0 28,400 7,20,000 12,30,000 0 0 3,100 7,19,000 0 44,600 12,14,000 0 0 12,30,000 12,30,000 14,39,000 19,34,000

30 0 0 28,400 7,20,000 12,30,000 0 0 3,100 7,47,000 0 44,600 12,33,000 0 0 12,30,000 12,33,000 14,67,000 19,53,000
31 0 0 28,400 7,20,000 12,30,000 0 0 3,100 7,75,000 0 44,600 12,53,000 0 0 12,30,000 12,54,000 14,95,000 19,73,000

32 0 0 28,400 7,20,000 12,30,000 0 0 3,100 7,97,000 0 44,600 12,75,000 0 0 12,30,000 12,75,000 15,17,000 19,95,000

33 0 0 28,400 7,20,000 12,30,000 0 0 3,100 7,92,000 0 44,600 12,98,000 0 0 12,30,000 12,99,000 15,12,000 20,18,000

34 0 0 28,400 7,20,000 12,30,000 0 0 3,100 7,86,000 0 44,600 13,23,000 0 0 12,30,000 13,24,000 15,06,000 20,43,000

35 0 0 0 7,20,000 12,30,000 0 0 4,500 8,05,000 0 73,000 13,49,000 0 0 12,30,000 13,50,000 15,25,000 20,69,000

36 0 0 0 7,20,000 12,30,000 0 0 4,500 8,24,000 0 73,000 13,75,000 0 0 12,30,000 13,76,000 15,44,000 20,95,000
37 0 0 0 7,20,000 12,30,000 0 0 4,500 8,44,000 0 73,000 14,02,000 0 0 12,30,000 14,03,000 15,64,000 21,22,000

38 0 0 0 7,20,000 12,30,000 0 0 4,500 8,64,000 0 73,000 14,31,000 0 0 12,30,000 14,32,000 15,84,000 21,51,000

39 0 0 0 7,20,000 12,30,000 0 0 4,500 8,85,000 0 73,000 14,62,000 0 0 12,30,000 14,63,000 16,05,000 21,82,000

40 0 0 0 0 12,30,000 8,00,000 0 4,500 0 0 73,000 0 9,37,000 14,89,000 12,30,000 15,75,000 0 0

Notes:
1. Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and Goods & Service Tax. Refer Sales
Literature for explanation of terms used in this illustration.
2. The survival benefits are payable at the end of the policy year. Upon payment at Maturity(Last Payout), the policy terminates and no further benefits become payable.
3. The death benefits shown above are at the end of the year. Upon payment, of death benefit the policy terminates and no further benefit is payable.
4. The surrender benefits shown above are at the end of the year. Upon payment of surrender benefit, the policy terminates and no further benefit becomes payable.
5. The Premium and the Sum Assured on Maturity stated above is based on the information provided. They may vary as a result of underwriting.
6. Any statutory levy or charges (such as Goods and Service tax) 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.
7. RB - Reversionary Bonus, TB - Terminal Bonus, GA - Guaranteed Additions
#In case cash bonuses have been paid out, the same (alongwith Guaranteed survival benefit) shall be deducted from the Surrender Values indicated, at the time of pay

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out.

I , have explained the premiums charges and benefits under the product 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

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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