22-09-2024

Quote No : cdrd3qcwwtz

Benefit Illustration for HDFC Life Sampoorn Nivesh

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

DETAILS
Proposal No:
Name of the Prospect/Policy holder: CUST Name of Product: HDFC Life Sampoorn Nivesh
A Unit Linked Non Participating Life
Age: 42 Tag Line:
Insurance Plan
Name of Life Assured: CUST Unique Identification No: 101L103V03
Age: 42 GST Rate: 18%*
Investment Strategy
Sum Assured: Rs.6000000 100% Equity oriented
opted for:
Policy Term & Premium Payment Term: 20year(s) & 10year(s)
Plan option: Life
Death benefit option: Classic Waiver
Amount of Instalment Premium: Rs.600000
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 (%)

Equity Plus Fund High ULIF05301/08/13EquityPlus101 0

Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0
Blue Chip Fund High ULIF03501/01/10BlueChipFd101 0
Opportunities Fund High ULIF03601/01/10OpprtntyFd101 0

Balanced Fund Medium ULIF03901/09/10BalancedFd101 0

Flexi Cap Fund Very High ULIF07114/07/23FlexiCapFd101 100
Bond Fund Low ULIF05601/08/13Bond Funds101 0
Discovery Fund High ULIF06618/01/18DiscvryFnd101 0

Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0

Nifty Alpha 30 Fund High ULIF07528/05/24AlphaIdxFd101 0

Premium Summary

PP PP Total
Base Plan CI Rider IB Rider PP Rider (PAC) Rider Rider Installment
(ADC) (CC) Premium
Instalment Premium without GST 6,00,000 0 0 0 0 0 600000
Instalment Premium with First Year GST 6,00,000 0 0 0 0 0 600000
Instalment Premium with GST 2nd Year Onwards 6,00,000 0 0 0 0 0 600000

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 6,00,000 27,496 37,487 11,697 5,45,047 5,37,967 60,00,000 27,496 37,644 11,725 5,66,594 5,59,514 60,00,000 18,000

2 6,00,000 29,239 44,929 13,350 11,00,854 10,94,954 60,00,000 29,239 45,542 13,460 11,66,718 11,60,818 60,00,000 3,000
3 6,00,000 31,131 52,517 15,057 16,67,496 16,62,776 60,00,000 31,131 53,907 15,307 18,02,300 17,97,580 60,00,000 3,000

4 6,00,000 33,150 60,253 16,812 22,45,077 22,42,717 60,00,000 33,150 62,766 17,265 24,75,417 24,73,057 60,00,000 3,000

5 6,00,000 35,253 68,137 18,610 28,33,753 28,33,753 60,00,000 35,253 72,149 19,332 31,88,326 31,88,326 60,00,000 3,000
6 6,00,000 37,366 70,314 19,383 34,41,098 34,41,098 60,00,000 37,366 76,232 20,448 39,51,253 39,51,253 60,00,000 30,000

7 6,00,000 39,359 78,607 21,234 40,60,371 40,60,371 60,00,000 39,359 86,870 22,721 47,59,759 47,59,759 60,00,000 3,000

1/3
 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)

8 6,00,000 41,064 87,065 23,063 46,92,199 46,92,199 60,00,000 41,064 98,147 25,058 56,17,064 56,17,064 60,00,000 3,000

9 6,00,000 42,276 95,699 24,836 53,37,464 53,37,464 60,00,000 42,276 1,10,109 27,429 65,26,838 65,26,838 60,00,000 3,000
10 6,00,000 44,906 1,04,505 26,894 59,94,790 59,94,790 63,00,000 44,906 1,22,792 30,186 74,90,656 74,90,656 63,00,000 3,000

11 0 49,554 87,539 24,677 61,42,075 60,69,652 63,00,000 49,554 1,10,129 28,743 79,86,761 78,94,274 63,00,000 0

12 0 54,402 89,512 25,905 62,14,614 62,14,614 63,00,000 54,402 1,17,016 30,855 84,15,685 84,15,685 63,00,000 0
13 0 59,423 90,461 26,979 63,57,880 62,82,862 63,00,000 59,423 1,22,962 32,829 89,69,362 88,65,478 63,00,000 0

14 0 64,603 92,376 28,256 64,23,314 64,23,314 63,00,000 64,603 1,30,649 35,145 94,47,679 94,47,679 63,00,000 0

15 0 69,963 93,224 29,374 65,61,356 64,83,884 63,00,000 69,963 1,37,282 37,304 1,00,66,160 99,49,556 63,00,000 0
16 0 75,553 95,064 30,711 66,18,500 66,18,500 63,00,000 75,553 1,45,871 39,856 1,06,00,140 1,06,00,140 63,00,000 0

17 0 81,438 95,795 31,902 67,49,712 66,69,957 63,00,000 81,438 1,53,277 42,249 1,12,91,356 1,11,60,545 63,00,000 0
18 0 87,707 97,536 33,344 67,96,769 67,96,769 63,00,000 87,707 1,62,876 45,105 1,18,87,611 1,18,87,611 63,00,000 0

19 0 94,460 98,121 34,664 69,18,687 68,36,866 63,00,000 94,460 1,71,144 47,809 1,26,59,831 1,25,13,152 63,00,000 0

20 0 1,01,806 99,725 36,276 69,52,876 69,52,876 63,00,000 1,01,806 1,81,864 51,061 1,33,25,006 1,33,25,006 63,00,000 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 , have explained the premiums charges and benefits under the policy fully to the I CUST ,having received the information with respect to the above, have understood
prospect / policy holder. the 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 6.59% 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 Charge GST FMC
Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge

(PAC) (AP)-(PAC)
1 6,00,000 30,000 5,70,000 27,496 11,725 0 0 0 0 5,67,347 7,644 5,66,594 5,59,514 60,00,000

2 6,00,000 30,000 5,70,000 29,239 13,460 0 0 0 0 11,68,268 15,542 11,66,718 11,60,818 60,00,000

3 6,00,000 30,000 5,70,000 31,131 15,307 0 0 0 0 18,04,695 23,907 18,02,300 17,97,580 60,00,000

4 6,00,000 30,000 5,70,000 33,150 17,265 0 0 0 0 24,78,705 32,766 24,75,417 24,73,057 60,00,000

5 6,00,000 30,000 5,70,000 35,253 19,332 0 0 0 0 31,92,562 42,149 31,88,326 31,88,326 60,00,000

6 6,00,000 18,000 5,82,000 37,366 20,448 6,000 0 0 0 39,56,502 52,232 39,51,253 39,51,253 60,00,000
7 6,00,000 18,000 5,82,000 39,359 22,721 6,000 0 0 0 47,66,082 62,870 47,59,759 47,59,759 60,00,000

8 6,00,000 18,000 5,82,000 41,064 25,058 6,000 0 0 0 56,24,526 74,147 56,17,064 56,17,064 60,00,000

9 6,00,000 18,000 5,82,000 42,276 27,429 6,000 0 0 0 65,35,510 86,109 65,26,838 65,26,838 60,00,000

10 6,00,000 18,000 5,82,000 44,906 30,186 6,000 0 0 0 75,00,607 98,792 74,90,656 74,90,656 63,00,000

11 0 0 0 49,554 28,743 6,000 0 0 92,487 79,04,762 1,04,129 79,86,761 78,94,274 63,00,000

12 0 0 0 54,402 30,855 6,000 0 0 0 84,26,866 1,11,016 84,15,685 84,15,685 63,00,000

13 0 0 0 59,423 32,829 6,000 0 0 1,03,885 88,77,256 1,16,962 89,69,362 88,65,478 63,00,000

14 0 0 0 64,603 35,145 6,000 0 0 0 94,60,230 1,24,649 94,47,679 94,47,679 63,00,000

15 0 0 0 69,963 37,304 6,000 0 0 1,16,604 99,62,774 1,31,282 1,00,66,160 99,49,556 63,00,000

16 0 0 0 75,553 39,856 6,000 0 0 0 1,06,14,223 1,39,871 1,06,00,140 1,06,00,140 63,00,000

17 0 0 0 81,438 42,249 6,000 0 0 1,30,810 1,11,75,373 1,47,277 1,12,91,356 1,11,60,545 63,00,000

18 0 0 0 87,707 45,105 6,000 0 0 0 1,19,03,405 1,56,876 1,18,87,611 1,18,87,611 63,00,000

19 0 0 0 94,460 47,809 6,000 0 0 1,46,679 1,25,29,776 1,65,144 1,26,59,831 1,25,13,152 63,00,000

20 0 0 0 1,01,806 51,061 6,000 0 0 0 1,33,42,709 1,75,864 1,33,25,006 1,33,25,006 63,00,000

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 6,00,000 30,000 5,70,000 27,496 11,697 0 0 0 0 5,45,771 7,487 5,45,047 5,37,967 60,00,000

2 6,00,000 30,000 5,70,000 29,239 13,350 0 0 0 0 11,02,316 14,929 11,00,854 10,94,954 60,00,000

3 6,00,000 30,000 5,70,000 31,131 15,057 0 0 0 0 16,69,711 22,517 16,67,496 16,62,776 60,00,000
4 6,00,000 30,000 5,70,000 33,150 16,812 0 0 0 0 22,48,059 30,253 22,45,077 22,42,717 60,00,000

2/3
 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)

5 6,00,000 30,000 5,70,000 35,253 18,610 0 0 0 0 28,37,517 38,137 28,33,753 28,33,753 60,00,000

6 6,00,000 18,000 5,82,000 37,366 19,383 6,000 0 0 0 34,45,669 46,314 34,41,098 34,41,098 60,00,000
7 6,00,000 18,000 5,82,000 39,359 21,234 6,000 0 0 0 40,65,766 54,607 40,60,371 40,60,371 60,00,000

8 6,00,000 18,000 5,82,000 41,064 23,063 6,000 0 0 0 46,98,432 63,065 46,92,199 46,92,199 60,00,000

9 6,00,000 18,000 5,82,000 42,276 24,836 6,000 0 0 0 53,44,555 71,699 53,37,464 53,37,464 60,00,000

10 6,00,000 18,000 5,82,000 44,906 26,894 6,000 0 0 0 60,02,754 80,505 59,94,790 59,94,790 63,00,000

11 0 0 0 49,554 24,677 6,000 0 0 72,422 60,77,716 81,539 61,42,075 60,69,652 63,00,000

12 0 0 0 54,402 25,905 6,000 0 0 0 62,22,870 83,512 62,14,614 62,14,614 63,00,000

13 0 0 0 59,423 26,979 6,000 0 0 75,017 62,91,209 84,461 63,57,880 62,82,862 63,00,000

14 0 0 0 64,603 28,256 6,000 0 0 0 64,31,848 86,376 64,23,314 64,23,314 63,00,000

15 0 0 0 69,963 29,374 6,000 0 0 77,472 64,92,498 87,224 65,61,356 64,83,884 63,00,000

16 0 0 0 75,553 30,711 6,000 0 0 0 66,27,293 89,064 66,18,500 66,18,500 63,00,000

17 0 0 0 81,438 31,902 6,000 0 0 79,755 66,78,818 89,795 67,49,712 66,69,957 63,00,000

18 0 0 0 87,707 33,344 6,000 0 0 0 68,05,799 91,536 67,96,769 67,96,769 63,00,000

19 0 0 0 94,460 34,664 6,000 0 0 81,821 68,45,949 92,121 69,18,687 68,36,866 63,00,000

20 0 0 0 1,01,806 36,276 6,000 0 0 0 69,62,114 93,725 69,52,876 69,52,876 63,00,000

*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 CUST ,having received the information with respect to the above, have understood
prospect / policy holder. the 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".

3/3