06-11-2024
Quote No : qcg35bhwtmqk6
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 policy
Name of the Prospect /Policy holder: SANUJ KUMAR LENKA Proposal No:
Age: 32 Name of the Product: HDFC Life Sanchay Par Advantage
Name of the Life Assured: SANUJ KUMAR LENKA A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Age: 32
Unique Identification No: 101N136V04
Policy Term 40 year(s)
GST Rate: 4.5%* for first year
Premium Payment Term: 12 year(s)
2.25%* second year onwards
Amount of Installment Premium: 100000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
Timing of Payment of Survival Benefit: Arrear
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. 12,00,000
Sum Assured on Death (at inception of the
Bonus Type Cash Bonus 12,30,000
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 without 100000 0 0 0 0 0 0 0 100000
GST
Instalment
Premium with 104500 0 0 0 0 0 0 0 104500
First Year GST
Instalment
Premium with
102250 0 0 0 0 0 0 0 102250
GST 2nd Year
Onwards
1/3
(Amounts in Rupees.)
Total Benefits
Guaranteed Benefits Non Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a. including Guaranteed and Non-
Guaranteed Benefits
Guaranteed Guaranteed Total Total
Single / Total Total
Policy Surrender Surrender Death Death
Annualized Surrender Surrender Maturity Maturity
Year Value Value Benefit Benefit
Premium Special Value Special Value Benefit, Benefit,
Survival Surrender Death Maturity Cash (Net of Cash (Net of incl of incl of
GA RB Surrender Payable RB Surrender Payable incl TB, incl TB,
Benefit Benefit Benefit Benefit Bonus Cash Bonus Cash TB, if TB, if
Value# (Higher of Value# (Higher of if any, @ if any, @
Bonus Bonus any, @ any, @
10 & 11) 15 & 16) 4% 8%
already already 4% 8%
(7+TB) (7+TB)
paid) paid) (6+TB) (6+TB)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21
1 1,00,000 0 0 0 12,30,000 0 0 0 0 25,148 25,148 0 0 0 25,148 25,148 0 0 12,30,000 12,30,000
2 1,00,000 0 0 60,000 12,30,000 0 0 0 60,000 54,096 60,000 0 0 60,000 54,096 60,000 0 0 12,30,000 12,30,000
3 1,00,000 0 0 1,05,000 12,30,000 0 0 0 1,05,000 92,282 1,05,000 0 0 1,05,000 97,282 1,05,000 0 0 12,30,000 12,30,000
4 1,00,000 0 0 2,00,000 12,30,000 0 0 0 2,00,000 1,50,190 2,00,000 0 0 2,00,000 1,62,190 2,00,000 0 0 12,30,000 12,30,000
5 1,00,000 0 0 2,50,000 12,30,000 0 0 0 2,50,000 2,21,352 2,50,000 0 0 2,50,000 2,43,352 2,50,000 0 0 12,30,000 12,30,000
6 1,00,000 0 0 3,00,000 12,30,000 0 0 0 3,00,000 3,05,355 3,05,355 0 0 3,00,000 3,42,355 3,42,355 0 0 12,30,000 12,30,000
7 1,00,000 0 0 3,50,000 12,30,000 0 0 0 3,50,000 4,02,846 4,02,846 0 0 3,50,000 4,60,846 4,60,846 0 0 12,30,000 12,30,000
8 1,00,000 0 0 4,64,000 12,30,000 0 0 0 4,64,000 5,15,537 5,15,537 0 0 4,64,000 6,01,537 6,01,537 0 0 12,30,000 12,30,000
9 1,00,000 0 0 5,85,000 12,30,000 0 0 0 5,85,000 6,42,213 6,42,213 0 0 5,85,000 7,66,213 7,66,213 0 0 12,30,000 12,30,000
10 1,00,000 0 0 7,30,000 12,30,000 0 0 0 7,30,000 7,86,741 7,86,741 0 0 7,30,000 9,57,741 9,57,741 0 0 12,30,000 12,30,000
11 1,00,000 0 0 8,80,000 12,30,000 0 0 0 8,80,000 9,48,072 9,48,072 0 0 8,80,000 11,79,072 11,79,072 0 0 12,30,000 12,30,000
12 1,00,000 0 0 10,80,000 12,60,000 0 0 0 10,80,000 11,27,219 11,27,219 0 0 10,80,000 14,33,219 14,33,219 0 0 12,60,000 14,33,219
13 0 0 0 10,80,000 12,60,000 0 0 0 10,80,000 12,36,798 12,36,798 0 0 10,80,000 16,31,798 16,31,798 0 0 12,60,000 16,31,798
14 0 0 50,400 10,29,600 12,60,000 0 0 10,600 10,19,000 12,32,986 12,32,986 0 77,600 9,52,000 16,49,986 16,49,986 0 0 12,60,000 16,49,986
15 0 0 50,400 9,79,200 12,60,000 0 0 10,600 9,58,000 12,26,506 12,26,506 0 77,600 8,24,000 16,62,506 16,62,506 0 0 12,60,000 16,62,506
16 0 0 50,400 9,28,800 12,60,000 0 0 10,600 8,97,000 12,20,377 12,20,377 0 77,600 6,96,000 16,75,377 16,75,377 0 0 12,60,000 16,75,377
17 0 0 50,400 8,78,400 12,60,000 0 0 10,600 8,36,000 12,14,614 12,14,614 0 77,600 5,68,000 16,89,614 16,89,614 0 0 12,60,000 16,89,614
18 0 0 50,400 8,28,000 12,60,000 0 0 10,600 7,75,000 12,08,232 12,08,232 0 77,600 4,40,000 17,05,232 17,05,232 0 0 12,60,000 17,05,232
19 0 0 50,400 7,77,600 12,60,000 0 0 10,600 7,14,000 12,01,253 12,01,253 0 77,600 3,12,000 17,21,253 17,21,253 0 0 12,60,000 17,21,253
20 0 0 50,400 7,27,200 12,60,000 0 0 10,600 6,53,000 11,93,696 11,93,696 0 77,600 1,84,000 17,38,696 17,38,696 0 0 12,60,000 17,38,696
21 0 0 50,400 6,76,800 12,60,000 0 0 10,600 5,92,000 11,85,589 11,85,589 0 77,600 56,000 17,57,589 17,57,589 0 0 12,60,000 17,57,589
22 0 0 50,400 6,26,400 12,60,000 0 0 10,600 5,31,000 11,77,965 11,77,965 0 77,600 0 17,77,965 17,77,965 0 0 12,60,000 17,77,965
23 0 0 50,400 5,76,000 12,60,000 0 0 10,600 4,70,000 11,69,860 11,69,860 0 77,600 0 17,99,860 17,99,860 0 0 12,60,000 17,99,860
24 0 0 50,400 5,25,600 12,60,000 0 0 10,600 4,09,000 11,60,316 11,60,316 0 77,600 0 18,23,316 18,23,316 0 0 12,60,000 18,23,316
25 0 0 50,400 4,75,200 12,60,000 0 0 10,600 3,48,000 11,51,386 11,51,386 0 77,600 0 18,48,386 18,48,386 0 0 12,60,000 18,48,386
26 0 0 50,400 4,24,800 12,60,000 0 0 10,600 2,87,000 11,42,125 11,42,125 0 77,600 0 18,75,125 18,75,125 0 0 12,60,000 18,75,125
27 0 0 50,400 3,74,400 12,60,000 0 0 10,600 2,26,000 11,31,595 11,31,595 0 77,600 0 19,04,595 19,04,595 0 0 12,60,000 19,04,595
28 0 0 50,400 3,24,000 12,60,000 0 0 10,600 1,65,000 11,21,865 11,21,865 0 77,600 0 19,35,865 19,35,865 0 0 12,60,000 19,35,865
29 0 0 50,400 2,73,600 12,60,000 0 0 10,600 1,04,000 11,11,009 11,11,009 0 77,600 0 19,69,009 19,69,009 0 0 12,60,000 19,69,009
30 0 0 50,400 2,23,200 12,60,000 0 0 10,600 43,000 10,99,103 10,99,103 0 77,600 0 20,05,103 20,05,103 0 0 12,60,000 20,05,103
31 0 0 50,400 1,72,800 12,60,000 0 0 10,600 0 10,87,237 10,87,237 0 77,600 0 20,44,237 20,44,237 0 0 12,60,000 20,44,237
32 0 0 50,400 1,22,400 12,60,000 0 0 10,600 0 10,74,499 10,74,499 0 77,600 0 20,85,499 20,85,499 0 0 12,60,000 20,85,499
33 0 0 50,400 72,000 12,60,000 0 0 10,600 0 10,61,990 10,61,990 0 77,600 0 21,29,990 21,29,990 0 0 12,60,000 21,29,990
34 0 0 50,400 21,600 12,60,000 0 0 10,600 0 10,47,823 10,47,823 0 77,600 0 21,78,823 21,78,823 0 0 12,60,000 21,78,823
35 0 0 50,400 0 12,60,000 0 0 10,600 0 10,33,123 10,33,123 0 77,600 0 22,30,123 22,30,123 0 0 12,60,000 22,30,123
36 0 0 50,400 0 12,60,000 0 0 10,600 0 10,18,032 10,18,032 0 77,600 0 22,86,032 22,86,032 0 0 12,60,000 22,86,032
37 0 0 50,400 0 12,60,000 0 0 10,600 0 10,10,711 10,10,711 0 77,600 0 23,45,711 23,45,711 0 0 12,60,000 23,45,711
38 0 0 50,400 0 12,60,000 0 0 10,600 0 10,36,350 10,36,350 0 77,600 0 24,10,350 24,10,350 0 0 12,60,000 24,10,350
39 0 0 0 0 12,60,000 0 0 16,500 0 11,14,568 11,14,568 0 1,28,000 0 24,84,568 24,84,568 0 0 12,60,000 24,84,568
40 0 0 0 0 12,60,000 12,00,000 0 16,500 0 0 0 0 1,28,000 0 0 0 12,00,000 28,19,000 12,60,000 28,19,000
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. When Timing of Payment of Survival Benefit is "Arrear", the survival benefits shown above are payable at the end of the Mode of Payment of Survival Benefit.
When Timing of Payment of Survival Benefit is chosen as "Advance", the survival benefit shown above are payable at the beginning of the Mode of Payment of Survival Benefit. First payout shall be made
within 7 working days from i) the realization of the first premium or ii) policy issuance, whichever is later. Subsequent payouts shall be made within 7 working days from i) realization of renewal premium or
ii) survival benefit payout date, whichever is later
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 maturity benefit shown above is payable at the end of the Policy Term. Upon payment of maturity benefit, the policy terminates and no further benefits become payable.
6. The Premium and the Sum Assured on Maturity stated above is based on the information provided. They may vary as a result of underwriting.
7. 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.
8. RB - Reversionary Bonus, TB - Terminal Bonus, GA - Guaranteed Additions
# Special Surrender Value is subject to change incase of change in G-Sec yields
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I SUDHIR KUMAR DAS, have explained the premiums and benefits under the product fully to the I SANUJ KUMAR LENKA,having received the information with respect to the above, have
prospect / policy holder. understood the above statement before entering into the contract.
Place:
Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder
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