29-11-2024

Quote No : qch9oasmxpjyq

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: sayli Proposal No:

Age: 32 Name of the Product: HDFC Life Sanchay Par Advantage
Name of the Life Assured: sayli A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Age: 32
Unique Identification No: 101N136V04
Policy Term 35 year(s)
GST Rate: 4.5%* for first year
Premium Payment Term: 10 year(s)
2.25%* second year onwards
Amount of Installment Premium: 50000
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 Immediate Income Sum Assured on Maturity Rs. 5,00,000
Sum Assured on Death (at inception of the
Bonus Type Cash Bonus 6,15,000
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 50000 0 0 0 0 0 0 0 50000
without GST

Instalment
Premium with 52250 0 0 0 0 0 0 0 52250
First Year GST

Instalment
Premium with
51125 0 0 0 0 0 0 0 51125
GST 2nd Year
Onwards

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 (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 50,000 0 0 0 6,15,000 0 0 10,000 0 4,887 4,887 0 18,000 0 4,887 4,887 0 0 6,15,000 6,15,000

2 50,000 0 0 30,000 6,15,000 0 0 10,000 10,000 14,458 14,458 0 18,000 0 10,458 10,458 0 0 6,15,000 6,15,000
3 50,000 0 0 52,500 6,15,000 0 0 10,000 22,500 31,788 31,788 0 18,000 0 23,788 23,788 0 0 6,15,000 6,15,000

4 50,000 0 0 1,00,000 6,15,000 0 0 10,000 60,000 52,958 60,000 0 18,000 28,000 42,458 42,458 0 0 6,15,000 6,15,000

5 50,000 0 0 1,25,000 6,15,000 0 0 10,000 75,000 81,558 81,558 0 18,000 35,000 67,058 67,058 0 0 6,15,000 6,15,000

6 50,000 0 0 1,50,000 6,15,000 0 0 10,000 90,000 1,15,684 1,15,684 0 18,000 42,000 97,684 97,684 0 0 6,15,000 6,15,000

7 50,000 0 0 1,75,000 6,15,000 0 0 10,000 1,05,000 1,55,942 1,55,942 0 18,000 49,000 1,35,942 1,35,942 0 0 6,15,000 6,15,000
8 50,000 0 0 2,60,000 6,15,000 0 0 10,000 1,80,000 2,03,445 2,03,445 0 18,000 1,16,000 1,81,445 1,81,445 0 0 6,15,000 6,15,000

9 50,000 0 0 3,15,000 6,15,000 0 0 10,000 2,25,000 2,57,820 2,57,820 0 18,000 1,53,000 2,35,320 2,35,320 0 0 6,15,000 6,15,000
10 50,000 0 0 3,75,000 6,15,000 0 0 10,000 2,75,000 3,19,202 3,19,202 0 18,000 1,95,000 2,98,702 2,98,702 0 0 6,15,000 6,15,000

11 0 0 0 4,00,000 6,15,000 0 0 10,000 2,90,000 3,46,580 3,46,580 0 18,000 2,02,000 3,28,580 3,28,580 0 0 6,15,000 6,15,000
12 0 0 0 4,50,000 6,15,000 0 0 10,000 3,30,000 3,50,407 3,50,407 0 18,000 2,34,000 3,36,907 3,36,907 0 0 6,15,000 6,15,000

13 0 0 0 4,50,000 6,15,000 0 0 10,000 3,20,000 3,54,212 3,54,212 0 18,000 2,16,000 3,45,712 3,45,712 0 0 6,15,000 6,15,000
14 0 0 0 4,50,000 6,15,000 0 0 10,000 3,10,000 3,58,023 3,58,023 0 18,000 1,98,000 3,55,523 3,55,523 0 0 6,15,000 6,15,000
15 0 0 0 4,50,000 6,15,000 0 0 10,000 3,00,000 3,62,374 3,62,374 0 18,000 1,80,000 3,65,874 3,65,874 0 0 6,15,000 6,15,000

16 0 0 0 4,50,000 6,15,000 0 0 10,000 2,90,000 3,66,795 3,66,795 0 18,000 1,62,000 3,76,795 3,76,795 0 0 6,15,000 6,15,000
17 0 0 0 4,50,000 6,15,000 0 0 10,000 2,80,000 3,70,823 3,70,823 0 18,000 1,44,000 3,88,823 3,88,823 0 0 6,15,000 6,15,000

18 0 0 0 4,50,000 6,15,000 0 0 10,000 2,70,000 3,75,495 3,75,495 0 18,000 1,26,000 4,01,495 4,01,495 0 0 6,15,000 6,15,000
19 0 0 0 4,50,000 6,15,000 0 0 10,000 2,60,000 3,79,852 3,79,852 0 18,000 1,08,000 4,15,352 4,15,352 0 0 6,15,000 6,15,000
20 0 0 0 4,50,000 6,15,000 0 0 10,000 2,50,000 3,84,941 3,84,941 0 18,000 90,000 4,30,441 4,30,441 0 0 6,15,000 6,15,000

21 0 0 0 4,50,000 6,15,000 0 0 10,000 2,40,000 3,89,817 3,89,817 0 18,000 72,000 4,46,317 4,46,317 0 0 6,15,000 6,15,000
22 0 0 0 4,50,000 6,15,000 0 0 10,000 2,30,000 3,94,543 3,94,543 0 18,000 54,000 4,63,043 4,63,043 0 0 6,15,000 6,15,000

23 0 0 0 4,50,000 6,15,000 0 0 10,000 2,20,000 3,99,689 3,99,689 0 18,000 36,000 4,81,689 4,81,689 0 0 6,15,000 6,15,000
24 0 0 0 4,50,000 6,15,000 0 0 10,000 2,10,000 4,05,337 4,05,337 0 18,000 18,000 5,01,337 5,01,337 0 0 6,15,000 6,15,000
25 0 0 0 4,50,000 6,15,000 0 0 10,000 2,00,000 4,10,579 4,10,579 0 18,000 0 5,23,079 5,23,079 0 0 6,15,000 6,15,000

26 0 0 0 4,50,000 6,15,000 0 0 10,000 1,90,000 4,16,517 4,16,517 0 18,000 0 5,46,017 5,46,017 0 0 6,15,000 6,15,000
27 0 0 0 4,50,000 6,15,000 0 0 10,000 1,80,000 4,22,762 4,22,762 0 18,000 0 5,71,262 5,71,262 0 0 6,15,000 6,15,000

28 0 0 0 4,50,000 6,15,000 0 0 10,000 1,70,000 4,28,939 4,28,939 0 18,000 0 5,97,939 5,97,939 0 0 6,15,000 6,15,000
29 0 0 0 4,50,000 6,15,000 0 0 10,000 1,60,000 4,35,184 4,35,184 0 18,000 0 6,27,184 6,27,184 0 0 6,15,000 6,27,184
30 0 0 0 4,50,000 6,15,000 0 0 10,000 1,50,000 4,42,142 4,42,142 0 18,000 0 6,58,142 6,58,142 0 0 6,15,000 6,58,142

31 0 0 0 4,50,000 6,15,000 0 0 10,000 1,40,000 4,48,977 4,48,977 0 18,000 0 6,91,977 6,91,977 0 0 6,15,000 6,91,977
32 0 0 0 4,50,000 6,15,000 0 0 10,000 1,30,000 4,56,367 4,56,367 0 18,000 0 7,28,367 7,28,367 0 0 6,15,000 7,28,367

33 0 0 0 4,50,000 6,15,000 0 0 10,000 1,20,000 4,64,013 4,64,013 0 18,000 0 7,67,013 7,67,013 0 0 6,15,000 7,67,013
34 0 0 0 4,50,000 6,15,000 0 0 10,000 1,10,000 4,72,139 4,72,139 0 18,000 0 8,09,139 8,09,139 0 0 6,15,000 8,09,139
35 0 0 0 0 6,15,000 5,00,000 0 10,000 0 0 0 0 18,000 0 0 0 5,27,500 9,42,000 6,15,000 9,42,000

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 SAGAR VASANT SHELKE, have explained the premiums and benefits under the product I sayli ,having received the information with respect to the above, have understood the above
fully to the prospect / policy holder. statement before entering into the contract.

Place:

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

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