Illustration
Illustration
Quote No : ckcj3wukyeh
DETAILS
Proposal No:
Name of the Prospect/Policyholder: Example Name of Product: HDFC Life Click 2 Invest - ULIP
A Unit Linked Non Participating
Age: 22 years* Tag Line:
Life Insurance Plan.
Name of Life Assured: Example Unique Identification No: 101L100V05
Age: 22 years* GST Rate: 18%*
Sum Assured: Rs.3500000 Investment Strategy opted for: 100% Equity oriented
Policy Term & Premium Payment Term: 40 year(s) & 10 year(s)
Amount of Instalment Premium: Rs.500000
Mode of payment of Premium: Annual
*0% if qualifies as zero-rated supply under GST law
Premium Summary
PP PP Total
Base Plan CI Rider IB Rider PP Rider (PAC) Rider Rider Instalment
(ADC) (CC) Premium
Instalment Premium without GST 5,00,000 0 0 0 0 0 500000
PART A
At 4% Gross Investment Return At 8% Gross Investment Return
Annualized Mortality, Fund at Mortality, Fund at
Policy year Other Surrender Death Other Surrender Death
Premium Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit
Charges Year Charges Year
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14)
1 5,00,000 2,824 6,817 1,735 5,08,406 5,08,406 35,00,000 2,816 6,958 1,759 5,28,030 5,28,030 35,00,000
2 5,00,000 2,384 13,777 2,909 10,29,318 10,29,318 35,00,000 2,347 14,337 3,003 10,89,860 10,89,860 35,00,000
3 5,00,000 1,903 20,908 4,106 15,63,077 15,63,077 35,00,000 1,816 22,189 4,321 16,87,694 16,87,694 35,00,000
4 5,00,000 1,393 28,216 5,330 21,10,023 21,10,023 35,00,000 1,231 30,544 5,719 23,23,863 23,23,863 35,00,000
5 5,00,000 857 35,704 6,581 26,70,496 26,70,496 35,00,000 592 39,435 7,205 30,00,845 30,00,845 35,00,000
6 5,00,000 297 43,377 7,861 32,44,845 32,44,845 35,00,000 0 48,896 8,801 37,21,153 37,21,153 37,21,153
7 5,00,000 0 51,238 9,223 38,33,082 38,33,082 38,33,082 0 58,956 10,612 44,86,789 44,86,789 44,86,789
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At 4% Gross Investment Return At 8% Gross Investment Return
Annualized Mortality, Fund at Mortality, Fund at
Policy year Other Surrender Death Other Surrender Death
Premium Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit
Charges Year Charges Year
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14)
8 5,00,000 0 59,287 10,672 44,35,178 44,35,178 44,35,178 0 69,650 12,537 53,00,608 53,00,608 53,00,608
9 5,00,000 0 67,525 12,155 50,51,462 50,51,462 50,51,462 0 81,016 14,583 61,65,639 61,65,639 61,65,639
10 5,00,000 0 75,957 13,672 56,82,266 56,82,266 56,82,266 0 93,098 16,758 70,85,107 70,85,107 70,85,107
11 0 0 77,747 13,994 58,16,152 58,16,152 58,16,152 0 98,956 17,812 75,30,972 75,30,972 75,30,972
12 0 0 79,579 14,324 59,53,193 59,53,193 59,53,193 0 1,05,184 18,933 80,04,895 80,04,895 80,04,895
13 0 0 81,454 14,662 60,93,462 60,93,462 60,93,462 0 1,11,803 20,125 85,08,642 85,08,642 85,08,642
14 0 0 83,373 15,007 62,37,037 62,37,037 62,37,037 0 1,18,839 21,391 90,44,090 90,44,090 90,44,090
15 0 0 85,338 15,361 63,83,995 63,83,995 63,83,995 0 1,26,317 22,737 96,13,233 96,13,233 96,13,233
16 0 0 87,348 15,723 65,34,415 65,34,415 65,34,415 0 1,34,266 24,168 1,02,18,193 1,02,18,193 1,02,18,193
17 0 0 89,407 16,093 66,88,380 66,88,380 66,88,380 0 1,42,716 25,689 1,08,61,223 1,08,61,223 1,08,61,223
18 0 0 91,513 16,472 68,45,972 68,45,972 68,45,972 0 1,51,697 27,305 1,15,44,718 1,15,44,718 1,15,44,718
19 0 0 93,669 16,860 70,07,278 70,07,278 70,07,278 0 1,61,243 29,024 1,22,71,226 1,22,71,226 1,22,71,226
20 0 0 95,876 17,258 71,72,384 71,72,384 71,72,384 0 1,71,390 30,850 1,30,43,453 1,30,43,453 1,30,43,453
21 0 0 98,135 17,664 73,41,380 73,41,380 73,41,380 0 1,82,176 32,792 1,38,64,276 1,38,64,276 1,38,64,276
22 0 0 1,00,448 18,081 75,14,359 75,14,359 75,14,359 0 1,93,640 34,855 1,47,36,753 1,47,36,753 1,47,36,753
23 0 0 1,02,814 18,507 76,91,413 76,91,413 76,91,413 0 2,05,826 37,049 1,56,64,135 1,56,64,135 1,56,64,135
24 0 0 1,05,237 18,943 78,72,639 78,72,639 78,72,639 0 2,18,778 39,380 1,66,49,877 1,66,49,877 1,66,49,877
25 0 0 1,07,717 19,389 80,58,135 80,58,135 80,58,135 0 2,32,546 41,858 1,76,97,652 1,76,97,652 1,76,97,652
26 0 0 1,10,255 19,846 82,48,001 82,48,001 82,48,001 0 2,47,180 44,492 1,88,11,363 1,88,11,363 1,88,11,363
27 0 0 1,12,852 20,313 84,42,342 84,42,342 84,42,342 0 2,62,735 47,292 1,99,95,160 1,99,95,160 1,99,95,160
28 0 0 1,15,512 20,792 86,41,261 86,41,261 86,41,261 0 2,79,269 50,268 2,12,53,453 2,12,53,453 2,12,53,453
29 0 0 1,18,233 21,282 88,44,867 88,44,867 88,44,867 0 2,96,843 53,432 2,25,90,930 2,25,90,930 2,25,90,930
30 0 0 1,21,019 21,783 90,53,271 90,53,271 90,53,271 0 3,15,524 56,794 2,40,12,574 2,40,12,574 2,40,12,574
31 0 0 1,23,871 22,297 92,66,585 92,66,585 92,66,585 0 3,35,379 60,368 2,55,23,683 2,55,23,683 2,55,23,683
32 0 0 1,26,789 22,822 94,84,925 94,84,925 94,84,925 0 3,56,485 64,167 2,71,29,885 2,71,29,885 2,71,29,885
33 0 0 1,29,777 23,360 97,08,410 97,08,410 97,08,410 0 3,78,918 68,205 2,88,37,165 2,88,37,165 2,88,37,165
34 0 0 1,32,834 23,910 99,37,161 99,37,161 99,37,161 0 4,02,764 72,497 3,06,51,885 3,06,51,885 3,06,51,885
35 0 0 1,35,964 24,474 1,01,71,301 1,01,71,301 1,01,71,301 0 4,28,110 77,060 3,25,80,804 3,25,80,804 3,25,80,804
36 0 0 1,39,168 25,050 1,04,10,959 1,04,10,959 1,04,10,959 0 4,55,050 81,909 3,46,31,110 3,46,31,110 3,46,31,110
37 0 0 1,42,447 25,640 1,06,56,263 1,06,56,263 1,06,56,263 0 4,83,687 87,064 3,68,10,442 3,68,10,442 3,68,10,442
38 0 0 1,45,803 26,245 1,09,07,347 1,09,07,347 1,09,07,347 0 5,14,125 92,543 3,91,26,919 3,91,26,919 3,91,26,919
39 0 0 1,49,239 26,863 1,11,64,347 1,11,64,347 1,11,64,347 0 5,46,479 98,366 4,15,89,171 4,15,89,171 4,15,89,171
40 0 0 1,52,755 27,496 1,14,27,402 1,14,27,402 1,14,27,402 0 5,80,869 1,04,556 4,42,06,372 4,42,06,372 4,42,06,372
I , have explained the premiums charges and benefits under the product fully to the I Example ,having received the information with respect to the above, have understood
prospect / policy holder. the above statement before entering into the contract.
Place:
PART B
Gross
8% p.a Net Yield 6.55% 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)
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Gross
8% p.a Net Yield 6.55% 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)
Gross
4% p.a 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 5,00,000 0 5,00,000 2,824 1,735 0 0 0 0 5,09,082 6,817 5,08,406 5,08,406 35,00,000
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Gross
4% p.a 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)
23 0 0 0 0 18,507 0 0 0 0 77,01,631 1,02,814 76,91,413 76,91,413 76,91,413
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 product fully to the I Example ,having received the information with respect to the above, have understood
prospect / policy holder. the above statement before entering into the contract.
Place:
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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