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The document provides a benefit illustration for the HDFC Life Click 2 Invest - ULIP policy, detailing the investment risks borne by the policyholder and the lack of liquidity during the first five years. It includes specific details such as the policyholder's age, sum assured, premium amounts, and the investment strategy, along with potential returns at 4% and 8% gross investment returns. Additionally, it outlines the charges deducted and provides a year-by-year breakdown of fund values, surrender values, and death benefits.
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0% found this document useful (0 votes)
20 views4 pages

Illustration

The document provides a benefit illustration for the HDFC Life Click 2 Invest - ULIP policy, detailing the investment risks borne by the policyholder and the lack of liquidity during the first five years. It includes specific details such as the policyholder's age, sum assured, premium amounts, and the investment strategy, along with potential returns at 4% and 8% gross investment returns. Additionally, it outlines the charges deducted and provides a year-by-year breakdown of fund values, surrender values, and death benefits.
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
You are on page 1/ 4

28-01-2025

Quote No : ckcj3wukyeh

Benefit Illustration for HDFC Life Click 2 Invest - ULIP


This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC
Life Click 2 Invest - ULIP
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/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

Funds opted for along with their risk level:


Fund Risk Level Fund SFIN Fund Allocation (%)
Equity Plus Fund High ULIF05301/08/13EquityPlus101 20

Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0


Blue Chip Fund High ULIF03501/01/10BlueChipFd101 10
Opportunities Fund High ULIF03601/01/10OpprtntyFd101 25

Balanced Fund Medium ULIF03901/09/10BalancedFd101 0


Flexi Cap Fund Very High ULIF07114/07/23FlexiCapFd101 5
Bond Fund Low ULIF05601/08/13Bond Funds101 0
Discovery Fund High ULIF06618/01/18DiscvryFnd101 20

Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 20


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

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

Instalment Premium with First Year GST 5,00,000 0 0 0 0 0 500000

Instalment Premium with GST 2nd Year Onwards 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

1/4
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

*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 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:

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

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)

1 5,00,000 0 5,00,000 2,816 1,759 0 0 0 0 5,28,732 6,958 5,28,030 5,28,030 35,00,000


2 5,00,000 0 5,00,000 2,347 3,003 0 0 0 0 10,91,308 14,337 10,89,860 10,89,860 35,00,000

3 5,00,000 0 5,00,000 1,816 4,321 0 0 0 0 16,89,936 22,189 16,87,694 16,87,694 35,00,000

4 5,00,000 0 5,00,000 1,231 5,719 0 0 0 0 23,26,950 30,544 23,23,863 23,23,863 35,00,000

5 5,00,000 0 5,00,000 592 7,205 0 0 0 0 30,04,832 39,435 30,00,845 30,00,845 35,00,000

6 5,00,000 0 5,00,000 0 8,801 0 0 0 0 37,26,097 48,896 37,21,153 37,21,153 37,21,153

7 5,00,000 0 5,00,000 0 10,612 0 0 0 0 44,92,750 58,956 44,86,789 44,86,789 44,86,789


8 5,00,000 0 5,00,000 0 12,537 0 0 0 0 53,07,650 69,650 53,00,608 53,00,608 53,00,608

9 5,00,000 0 5,00,000 0 14,583 0 0 0 0 61,73,830 81,016 61,65,639 61,65,639 61,65,639

10 5,00,000 0 5,00,000 0 16,758 0 0 0 0 70,94,520 93,098 70,85,107 70,85,107 70,85,107

2/4
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)

11 0 0 0 0 17,812 0 0 0 0 75,40,977 98,956 75,30,972 75,30,972 75,30,972

12 0 0 0 0 18,933 0 0 0 0 80,15,530 1,05,184 80,04,895 80,04,895 80,04,895

13 0 0 0 0 20,125 0 0 0 0 85,19,946 1,11,803 85,08,642 85,08,642 85,08,642

14 0 0 0 0 21,391 0 0 0 0 90,56,105 1,18,839 90,44,090 90,44,090 90,44,090

15 0 0 0 0 22,737 0 0 0 0 96,26,005 1,26,317 96,13,233 96,13,233 96,13,233


16 0 0 0 0 24,168 0 0 0 0 1,02,31,768 1,34,266 1,02,18,193 1,02,18,193 1,02,18,193

17 0 0 0 0 25,689 0 0 0 0 1,08,75,652 1,42,716 1,08,61,223 1,08,61,223 1,08,61,223

18 0 0 0 0 27,305 0 0 0 0 1,15,60,056 1,51,697 1,15,44,718 1,15,44,718 1,15,44,718

19 0 0 0 0 29,024 0 0 0 0 1,22,87,529 1,61,243 1,22,71,226 1,22,71,226 1,22,71,226

20 0 0 0 0 30,850 0 0 0 0 1,30,60,781 1,71,390 1,30,43,453 1,30,43,453 1,30,43,453


21 0 0 0 0 32,792 0 0 0 0 1,38,82,695 1,82,176 1,38,64,276 1,38,64,276 1,38,64,276

22 0 0 0 0 34,855 0 0 0 0 1,47,56,331 1,93,640 1,47,36,753 1,47,36,753 1,47,36,753

23 0 0 0 0 37,049 0 0 0 0 1,56,84,945 2,05,826 1,56,64,135 1,56,64,135 1,56,64,135

24 0 0 0 0 39,380 0 0 0 0 1,66,71,997 2,18,778 1,66,49,877 1,66,49,877 1,66,49,877

25 0 0 0 0 41,858 0 0 0 0 1,77,21,164 2,32,546 1,76,97,652 1,76,97,652 1,76,97,652

26 0 0 0 0 44,492 0 0 0 0 1,88,36,354 2,47,180 1,88,11,363 1,88,11,363 1,88,11,363


27 0 0 0 0 47,292 0 0 0 0 2,00,21,724 2,62,735 1,99,95,160 1,99,95,160 1,99,95,160

28 0 0 0 0 50,268 0 0 0 0 2,12,81,689 2,79,269 2,12,53,453 2,12,53,453 2,12,53,453

29 0 0 0 0 53,432 0 0 0 0 2,26,20,943 2,96,843 2,25,90,930 2,25,90,930 2,25,90,930

30 0 0 0 0 56,794 0 0 0 0 2,40,44,476 3,15,524 2,40,12,574 2,40,12,574 2,40,12,574

31 0 0 0 0 60,368 0 0 0 0 2,55,57,592 3,35,379 2,55,23,683 2,55,23,683 2,55,23,683


32 0 0 0 0 64,167 0 0 0 0 2,71,65,928 3,56,485 2,71,29,885 2,71,29,885 2,71,29,885

33 0 0 0 0 68,205 0 0 0 0 2,88,75,477 3,78,918 2,88,37,165 2,88,37,165 2,88,37,165

34 0 0 0 0 72,497 0 0 0 0 3,06,92,607 4,02,764 3,06,51,885 3,06,51,885 3,06,51,885

35 0 0 0 0 77,060 0 0 0 0 3,26,24,089 4,28,110 3,25,80,804 3,25,80,804 3,25,80,804

36 0 0 0 0 81,909 0 0 0 0 3,46,77,119 4,55,050 3,46,31,110 3,46,31,110 3,46,31,110

37 0 0 0 0 87,064 0 0 0 0 3,68,59,346 4,83,687 3,68,10,442 3,68,10,442 3,68,10,442


38 0 0 0 0 92,543 0 0 0 0 3,91,78,900 5,14,125 3,91,26,919 3,91,26,919 3,91,26,919

39 0 0 0 0 98,366 0 0 0 0 4,16,44,424 5,46,479 4,15,89,171 4,15,89,171 4,15,89,171

40 0 0 0 0 1,04,556 0 0 0 0 4,42,65,102 5,80,869 4,42,06,372 4,42,06,372 4,42,06,372

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

2 5,00,000 0 5,00,000 2,384 2,909 0 0 0 0 10,30,685 13,777 10,29,318 10,29,318 35,00,000


3 5,00,000 0 5,00,000 1,903 4,106 0 0 0 0 15,65,154 20,908 15,63,077 15,63,077 35,00,000
4 5,00,000 0 5,00,000 1,393 5,330 0 0 0 0 21,12,826 28,216 21,10,023 21,10,023 35,00,000

5 5,00,000 0 5,00,000 857 6,581 0 0 0 0 26,74,044 35,704 26,70,496 26,70,496 35,00,000


6 5,00,000 0 5,00,000 297 7,861 0 0 0 0 32,49,156 43,377 32,44,845 32,44,845 35,00,000

7 5,00,000 0 5,00,000 0 9,223 0 0 0 0 38,38,174 51,238 38,33,082 38,33,082 38,33,082


8 5,00,000 0 5,00,000 0 10,672 0 0 0 0 44,41,071 59,287 44,35,178 44,35,178 44,35,178
9 5,00,000 0 5,00,000 0 12,155 0 0 0 0 50,58,173 67,525 50,51,462 50,51,462 50,51,462

10 5,00,000 0 5,00,000 0 13,672 0 0 0 0 56,89,815 75,957 56,82,266 56,82,266 56,82,266


11 0 0 0 0 13,994 0 0 0 0 58,23,879 77,747 58,16,152 58,16,152 58,16,152

12 0 0 0 0 14,324 0 0 0 0 59,61,102 79,579 59,53,193 59,53,193 59,53,193


13 0 0 0 0 14,662 0 0 0 0 61,01,558 81,454 60,93,462 60,93,462 60,93,462

14 0 0 0 0 15,007 0 0 0 0 62,45,323 83,373 62,37,037 62,37,037 62,37,037


15 0 0 0 0 15,361 0 0 0 0 63,92,476 85,338 63,83,995 63,83,995 63,83,995
16 0 0 0 0 15,723 0 0 0 0 65,43,097 87,348 65,34,415 65,34,415 65,34,415

17 0 0 0 0 16,093 0 0 0 0 66,97,266 89,407 66,88,380 66,88,380 66,88,380


18 0 0 0 0 16,472 0 0 0 0 68,55,067 91,513 68,45,972 68,45,972 68,45,972

19 0 0 0 0 16,860 0 0 0 0 70,16,587 93,669 70,07,278 70,07,278 70,07,278


20 0 0 0 0 17,258 0 0 0 0 71,81,913 95,876 71,72,384 71,72,384 71,72,384
21 0 0 0 0 17,664 0 0 0 0 73,51,134 98,135 73,41,380 73,41,380 73,41,380

22 0 0 0 0 18,081 0 0 0 0 75,24,342 1,00,448 75,14,359 75,14,359 75,14,359

3/4
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

24 0 0 0 0 18,943 0 0 0 0 78,83,098 1,05,237 78,72,639 78,72,639 78,72,639


25 0 0 0 0 19,389 0 0 0 0 80,68,840 1,07,717 80,58,135 80,58,135 80,58,135

26 0 0 0 0 19,846 0 0 0 0 82,58,959 1,10,255 82,48,001 82,48,001 82,48,001


27 0 0 0 0 20,313 0 0 0 0 84,53,558 1,12,852 84,42,342 84,42,342 84,42,342

28 0 0 0 0 20,792 0 0 0 0 86,52,741 1,15,512 86,41,261 86,41,261 86,41,261


29 0 0 0 0 21,282 0 0 0 0 88,56,618 1,18,233 88,44,867 88,44,867 88,44,867
30 0 0 0 0 21,783 0 0 0 0 90,65,299 1,21,019 90,53,271 90,53,271 90,53,271

31 0 0 0 0 22,297 0 0 0 0 92,78,896 1,23,871 92,66,585 92,66,585 92,66,585


32 0 0 0 0 22,822 0 0 0 0 94,97,527 1,26,789 94,84,925 94,84,925 94,84,925

33 0 0 0 0 23,360 0 0 0 0 97,21,308 1,29,777 97,08,410 97,08,410 97,08,410


34 0 0 0 0 23,910 0 0 0 0 99,50,363 1,32,834 99,37,161 99,37,161 99,37,161
35 0 0 0 0 24,474 0 0 0 0 1,01,84,814 1,35,964 1,01,71,301 1,01,71,301 1,01,71,301

36 0 0 0 0 25,050 0 0 0 0 1,04,24,790 1,39,168 1,04,10,959 1,04,10,959 1,04,10,959


37 0 0 0 0 25,640 0 0 0 0 1,06,70,420 1,42,447 1,06,56,263 1,06,56,263 1,06,56,263

38 0 0 0 0 26,245 0 0 0 0 1,09,21,838 1,45,803 1,09,07,347 1,09,07,347 1,09,07,347


39 0 0 0 0 26,863 0 0 0 0 1,11,79,179 1,49,239 1,11,64,347 1,11,64,347 1,11,64,347
40 0 0 0 0 27,496 0 0 0 0 1,14,42,584 1,52,755 1,14,27,402 1,14,27,402 1,14,27,402

*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 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:

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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