23-12-2024

Quote No : cihn5ggsgvf

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
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. THE LINKED
INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE
POLICYHOLDER WILL NOT BE ABLE TO SURRENDER OR WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS
COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

DETAILS
Proposal No:
Name of the Prospect/Policy holder: Aditya Agarwal Name of Product: HDFC Life Sampoorn Nivesh
A Unit Linked Non Participating Life
Age: 44 Tag Line:
Insurance Plan
Name of Life Assured: Aditya Agarwal Unique Identification No: 101L103V03
Age: 44 GST Rate: 18%*
Investment Strategy
Sum Assured: Rs.35000000 100% Equity oriented
opted for:
Policy Term & Premium Payment Term: 10year(s) & 10year(s)
Plan option: Life
Death benefit option: Classic
Amount of Instalment Premium: Rs.5000000
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 50
Opportunities Fund High ULIF03601/01/10OpprtntyFd101 50

Balanced Fund Medium ULIF03901/09/10BalancedFd101 0

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

Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0

Top 500 Momentum 50 Fund High ULIF07616/10/24Top500MoFd101 0

Premium Summary

PP PP HP HP WOP WOP Total

Base Plan CI Rider IB Rider PP Rider (PAC) Rider Rider Rider Rider Rider Rider Installment
(ADC) (CC) (CCI) (CC) (DH) (CID) Premium
Instalment Premium without GST 50,00,000 0 0 0 0 0 0 0 0 0 5000000

Instalment Premium with First Year GST 50,00,000 0 0 0 0 0 0 0 0 0 5000000

Instalment Premium with GST 2nd Year Onwards 50,00,000 0 0 0 0 0 0 0 0 0 5000000

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 Mortality, Commission

Policy year Fund at Mortality, Fund at
Premium Morbidity Other Surrender Death Other Surrender Death Payable to
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 50,00,000 1,01,919 2,64,295 65,919 47,54,456 47,47,376 3,50,00,000 1,01,636 2,65,638 66,109 49,39,814 49,32,734 3,50,00,000 1,00,000
2 50,00,000 95,000 3,29,407 76,393 96,29,204 96,23,304 3,50,00,000 93,657 3,34,701 77,104 1,02,00,216 1,01,94,316 3,50,00,000 25,000

3 50,00,000 85,194 3,96,190 86,649 1,46,30,528 1,46,25,808 3,50,00,000 81,686 4,08,275 88,193 1,58,06,246 1,58,01,526 3,50,00,000 25,000
4 50,00,000 71,570 4,64,738 96,535 1,97,65,974 1,97,63,614 3,50,00,000 64,351 4,86,724 99,193 2,17,86,197 2,17,83,837 3,50,00,000 25,000

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 At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Mortality, Commission

Policy year Fund at Mortality, Fund at
Premium Morbidity Other Surrender Death Other Surrender Death Payable to
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)

5 50,00,000 52,992 5,35,164 1,05,868 2,50,44,621 2,50,44,621 3,50,00,000 39,945 5,70,457 1,09,872 2,81,72,219 2,81,72,219 3,50,00,000 25,000

6 50,00,000 27,905 5,64,360 1,06,608 3,05,30,840 3,05,30,840 3,50,00,000 6,193 6,16,714 1,12,123 3,50,56,657 3,50,56,657 3,50,56,657 2,50,000
7 50,00,000 6,583 6,39,609 1,16,315 3,61,71,802 3,61,71,802 3,67,50,000 0 7,12,939 1,28,329 4,23,81,960 4,23,81,960 4,23,81,960 25,000

8 50,00,000 4,071 7,16,811 1,29,759 4,19,48,675 4,19,48,675 4,20,00,000 0 8,15,250 1,46,745 5,01,68,244 5,01,68,244 5,01,68,244 25,000

9 50,00,000 996 7,95,883 1,43,438 4,78,65,344 4,78,65,344 4,78,65,344 0 9,24,000 1,66,320 5,84,44,517 5,84,44,517 5,84,44,517 25,000
10 50,00,000 0 8,76,851 1,57,833 5,39,22,623 5,39,22,623 5,39,22,623 0 10,39,593 1,87,127 6,72,41,615 6,72,41,615 6,72,41,615 25,000

*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 Aditya Agarwal,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

PART B
Gross
8% p.a Net Yield 5.90% 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 50,00,000 2,00,000 48,00,000 1,01,636 66,109 0 0 0 0 49,46,377 65,638 49,39,814 49,32,734 3,50,00,000

2 50,00,000 2,00,000 48,00,000 93,657 77,104 0 0 0 0 1,02,13,767 1,34,701 1,02,00,216 1,01,94,316 3,50,00,000
3 50,00,000 2,00,000 48,00,000 81,686 88,193 0 0 0 0 1,58,27,245 2,08,275 1,58,06,246 1,58,01,526 3,50,00,000

4 50,00,000 2,00,000 48,00,000 64,351 99,193 0 0 0 0 2,18,15,140 2,86,724 2,17,86,197 2,17,83,837 3,50,00,000

5 50,00,000 2,00,000 48,00,000 39,945 1,09,872 0 0 0 0 2,82,09,647 3,70,457 2,81,72,219 2,81,72,219 3,50,00,000

6 50,00,000 1,50,000 48,50,000 6,193 1,12,123 6,000 0 0 0 3,51,03,231 4,60,714 3,50,56,657 3,50,56,657 3,50,56,657

7 50,00,000 1,50,000 48,50,000 0 1,28,329 6,000 0 0 0 4,24,38,266 5,56,939 4,23,81,960 4,23,81,960 4,23,81,960
8 50,00,000 1,50,000 48,50,000 0 1,46,745 6,000 0 0 0 5,02,34,894 6,59,250 5,01,68,244 5,01,68,244 5,01,68,244

9 50,00,000 1,50,000 48,50,000 0 1,66,320 6,000 0 0 0 5,85,22,163 7,68,000 5,84,44,517 5,84,44,517 5,84,44,517

10 50,00,000 1,50,000 48,50,000 0 1,87,127 6,000 0 0 0 6,73,30,948 8,83,593 6,72,41,615 6,72,41,615 6,72,41,615

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 50,00,000 2,00,000 48,00,000 1,01,919 65,919 0 0 0 0 47,60,772 64,295 47,54,456 47,47,376 3,50,00,000

2 50,00,000 2,00,000 48,00,000 95,000 76,393 0 0 0 0 96,41,997 1,29,407 96,29,204 96,23,304 3,50,00,000

3 50,00,000 2,00,000 48,00,000 85,194 86,649 0 0 0 0 1,46,49,966 1,96,190 1,46,30,528 1,46,25,808 3,50,00,000
4 50,00,000 2,00,000 48,00,000 71,570 96,535 0 0 0 0 1,97,92,234 2,64,738 1,97,65,974 1,97,63,614 3,50,00,000

5 50,00,000 2,00,000 48,00,000 52,992 1,05,868 0 0 0 0 2,50,77,893 3,35,164 2,50,44,621 2,50,44,621 3,50,00,000

6 50,00,000 1,50,000 48,50,000 27,905 1,06,608 6,000 0 0 0 3,05,71,401 4,08,360 3,05,30,840 3,05,30,840 3,50,00,000

7 50,00,000 1,50,000 48,50,000 6,583 1,16,315 6,000 0 0 0 3,62,19,857 4,83,609 3,61,71,802 3,61,71,802 3,67,50,000

8 50,00,000 1,50,000 48,50,000 4,071 1,29,759 6,000 0 0 0 4,20,04,406 5,60,811 4,19,48,675 4,19,48,675 4,20,00,000

9 50,00,000 1,50,000 48,50,000 996 1,43,438 6,000 0 0 0 4,79,28,935 6,39,883 4,78,65,344 4,78,65,344 4,78,65,344
10 50,00,000 1,50,000 48,50,000 0 1,57,833 6,000 0 0 0 5,39,94,261 7,20,851 5,39,22,623 5,39,22,623 5,39,22,623

*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.

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I , have explained the premiums charges and benefits under the policy fully to the I Aditya Agarwal,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

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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