29-11-2024

Quote No : qch9fu3r7tt4a,Application No : 1200113549059

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: Ac ac ahalaya Gowda Name of Product: HDFC Life Sampoorn Nivesh (Spl)
A Unit Linked Non Participating Life
Age: 56 Tag Line:
Insurance Plan
Name of Life Assured: Ac ac ahalaya Gowda Unique Identification No: 101L103V03
Age: 56 GST Rate: 18%*
Investment Strategy
Sum Assured: Rs.1000000 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.100000
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

Blue Chip Fund High ULIF03501/01/10BlueChipFd101 0

Opportunities Fund High ULIF03601/01/10OpprtntyFd101 0
Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0

Balanced Fund Medium ULIF03901/09/10BalancedFd101 0

Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0
Bond Fund Low ULIF05601/08/13Bond Funds101 0
Discovery Fund High ULIF06618/01/18DiscvryFnd101 0

Flexi Cap Fund Very High ULIF07114/07/23FlexiCapFd101 100

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

Rider Details
Rider Name Rider UIN Rider PPT Rider PT Rider Sum Assured Rs.

HDFC Life Protect Plus rider - Accidental Death Cover 101A037V01 120 Months 120 Months 1000000

Premium Summary

PP PP HP HP Total
Base Plan CI Rider IB Rider PP Rider (PAC) Rider Rider Rider Rider Installment
(ADC) (CC) (CCI) (CC) Premium
Instalment Premium without GST 1,00,000 0 0 0 490 0 0 0 100490

Instalment Premium with First Year GST 1,00,000 0 0 0 578 0 0 0 100578

Instalment Premium with GST 2nd Year Onwards 1,00,000 0 0 0 578 0 0 0 100578

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 Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity 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 1,00,000 10,123 7,183 3,115 83,012 77,135 10,00,000 10,106 7,209 3,117 86,440 80,320 10,00,000 0

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

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

2 1,00,000 9,925 8,321 3,284 1,68,217 1,63,497 10,00,000 9,845 8,418 3,287 1,78,637 1,73,917 10,00,000 0

3 1,00,000 9,582 9,490 3,433 2,55,840 2,52,300 10,00,000 9,383 9,710 3,437 2,77,200 2,73,660 10,00,000 0
4 1,00,000 9,083 10,693 3,560 3,46,123 3,43,763 10,00,000 8,689 11,092 3,561 3,82,811 3,80,451 10,00,000 0

5 1,00,000 8,409 11,934 3,662 4,39,339 4,39,339 10,00,000 7,722 12,576 3,654 4,96,247 4,96,247 10,00,000 0

6 1,00,000 7,518 14,429 3,950 5,34,421 5,34,421 10,00,000 6,411 15,384 3,923 6,17,061 6,17,061 10,00,000 0
7 1,00,000 6,429 15,947 4,028 6,32,793 6,32,793 10,00,000 4,738 17,294 3,966 7,47,260 7,47,260 10,00,000 0

8 1,00,000 5,063 17,524 4,066 7,34,851 7,34,851 10,00,000 2,577 19,350 3,947 8,88,018 8,88,018 10,00,000 0

9 1,00,000 3,360 19,164 4,054 8,41,072 8,41,072 10,00,000 63 21,568 3,894 10,40,421 10,40,421 10,40,421 0
10 1,00,000 2,366 20,868 4,182 9,65,693 9,50,693 10,50,000 0 23,939 4,309 12,17,197 12,02,197 12,17,197 0

*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 Ac ac ahalaya Gowda ,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 5.53% 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 GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge
(PAC) (AP)-(PAC)

1 1,00,000 6,000 94,000 10,106 3,117 0 0 0 0 86,555 1,209 86,440 80,320 10,00,000

2 1,00,000 6,000 94,000 9,845 3,287 0 0 0 0 1,78,875 2,418 1,78,637 1,73,917 10,00,000

3 1,00,000 6,000 94,000 9,383 3,437 0 0 0 0 2,77,568 3,710 2,77,200 2,73,660 10,00,000

4 1,00,000 6,000 94,000 8,689 3,561 0 0 0 0 3,83,319 5,092 3,82,811 3,80,451 10,00,000
5 1,00,000 6,000 94,000 7,722 3,654 0 0 0 0 4,96,907 6,576 4,96,247 4,96,247 10,00,000

6 1,00,000 3,000 97,000 6,411 3,923 4,200 0 0 0 6,17,880 8,184 6,17,061 6,17,061 10,00,000

7 1,00,000 3,000 97,000 4,738 3,966 4,410 0 0 0 7,48,253 9,884 7,47,260 7,47,260 10,00,000

8 1,00,000 3,000 97,000 2,577 3,947 4,631 0 0 0 8,89,198 11,719 8,88,018 8,88,018 10,00,000

9 1,00,000 3,000 97,000 63 3,894 4,862 0 0 0 10,41,804 13,706 10,40,421 10,40,421 10,40,421

10 1,00,000 3,000 97,000 0 4,309 5,106 0 0 15,000 12,03,794 15,833 12,17,197 12,02,197 12,17,197

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 1,00,000 6,000 94,000 10,123 3,115 0 0 0 0 83,122 1,183 83,012 77,135 10,00,000

2 1,00,000 6,000 94,000 9,925 3,284 0 0 0 0 1,68,441 2,321 1,68,217 1,63,497 10,00,000

3 1,00,000 6,000 94,000 9,582 3,433 0 0 0 0 2,56,180 3,490 2,55,840 2,52,300 10,00,000

4 1,00,000 6,000 94,000 9,083 3,560 0 0 0 0 3,46,583 4,693 3,46,123 3,43,763 10,00,000

5 1,00,000 6,000 94,000 8,409 3,662 0 0 0 0 4,39,923 5,934 4,39,339 4,39,339 10,00,000

6 1,00,000 3,000 97,000 7,518 3,950 4,200 0 0 0 5,35,131 7,229 5,34,421 5,34,421 10,00,000
7 1,00,000 3,000 97,000 6,429 4,028 4,410 0 0 0 6,33,633 8,537 6,32,793 6,32,793 10,00,000

8 1,00,000 3,000 97,000 5,063 4,066 4,631 0 0 0 7,35,827 9,893 7,34,851 7,34,851 10,00,000

9 1,00,000 3,000 97,000 3,360 4,054 4,862 0 0 0 8,42,189 11,302 8,41,072 8,41,072 10,00,000

10 1,00,000 3,000 97,000 2,366 4,182 5,106 0 0 15,000 9,51,956 12,762 9,65,693 9,50,693 10,50,000

*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 Ac ac ahalaya Gowda ,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 : Direct - Online

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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