03-11-2023

Quote No : bx3apgwrjwx

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

Age is taken as on last birthday Proposal No:

Name of the Prospect /Policy holder: Abc Abc Name of the Product: HDFC Life Sanchay Par Advantage
Age: 45 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: Abc Abc
Unique Identification No: 101N136V03
Age: 45
GST Rate: 4.5%* for first year
Policy Term 55 year(s)
2.25%* second year onwards
Premium Payment Term: 10 year(s)
Amount of Installment Premium(Without GST): 100000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
*0% if qualifies as zero-rated supply under GST law

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. 10,00,000

Sum Assured on Death (at inception of

Bonus Type Cash Bonus 11,00,000
the policy) Rs.

Premium Summary
Base CI IB Total Installment
PP Rider (PAC) PP Rider (ADC) PP Rider (CC)
Plan Rider Rider Premium

Instalment Premium without GST 100000 0 0 0 0 0 100000

Instalment Premium with First Year GST 104500 0 0 0 0 0 104500

Instalment Premium with GST 2nd Year

102250 0 0 0 0 0 102250
Onwards
 (Amounts in Rupees.)
Total Benefits
Non Guaranteed Non-Guaranteed including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. Benefits @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit

Total Total
Single / Total Total Total Total
Policy Death Death
Annualized Maturity Maturity Surrender Surrender
Year Benefit Benefit
Premium Benefit, Benefit, Benefit Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender incl of incl of
GA RB RB incl TB, if incl TB, if incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# TB, if TB, if
any, @ any, @ if any, @ if any, @
any, @ any, @
4% 8% 4% 8%
4% 8%
(7+TB) (7+TB) (5+10) (5+13)
(6+TB) (6+TB)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

1 1,00,000 0 0 0 11,00,000 0 0 19,500 0 0 34,000 0 0 0 11,00,000 11,00,000 0 0

2 1,00,000 0 0 60,000 11,00,000 0 0 19,500 10,000 0 34,000 26,000 0 0 11,00,000 11,00,000 70,000 86,000

3 1,00,000 0 0 1,05,000 11,00,000 0 0 19,500 17,000 0 34,000 46,000 0 0 11,00,000 11,00,000 1,22,000 1,51,000

4 1,00,000 0 0 2,00,000 11,00,000 0 0 19,500 40,000 0 34,000 40,000 0 0 11,00,000 11,00,000 2,40,000 2,40,000

5 1,00,000 0 0 2,50,000 11,00,000 0 0 19,500 50,000 0 34,000 70,000 0 0 11,00,000 11,00,000 3,00,000 3,20,000

6 1,00,000 0 0 3,00,000 11,00,000 0 0 19,500 75,000 0 34,000 1,28,000 0 0 11,00,000 11,00,000 3,75,000 4,28,000
7 1,00,000 0 0 3,50,000 11,00,000 0 0 19,500 1,40,000 0 34,000 2,04,000 0 0 11,00,000 11,00,000 4,90,000 5,54,000

8 1,00,000 0 0 5,20,000 11,00,000 0 0 19,500 1,02,000 0 34,000 1,79,000 0 0 11,00,000 11,00,000 6,22,000 6,99,000
9 1,00,000 0 0 6,30,000 11,00,000 0 0 19,500 1,42,000 0 34,000 2,36,000 0 0 11,00,000 11,00,000 7,72,000 8,66,000

10 1,00,000 0 0 7,50,000 11,00,000 0 0 19,500 1,91,000 0 34,000 3,08,000 0 0 11,00,000 11,00,000 9,41,000 10,58,000
11 0 0 0 8,00,000 11,00,000 0 0 19,500 1,68,000 0 34,000 3,12,000 0 0 11,00,000 11,00,000 9,68,000 11,12,000

12 0 0 0 9,00,000 11,00,000 0 0 19,500 95,000 0 34,000 2,68,000 0 0 11,00,000 11,00,000 9,95,000 11,68,000
13 0 0 0 9,00,000 11,00,000 0 0 19,500 1,23,000 0 34,000 3,26,000 0 0 11,00,000 11,00,000 10,23,000 12,26,000

14 0 0 0 9,00,000 11,00,000 0 0 19,500 1,50,000 0 34,000 3,85,000 0 0 11,00,000 11,00,000 10,50,000 12,85,000
15 0 0 0 9,00,000 11,00,000 0 0 19,500 1,78,000 0 34,000 4,47,000 0 0 11,00,000 11,00,000 10,78,000 13,47,000

16 0 0 0 9,00,000 11,00,000 0 0 19,500 2,50,000 0 34,000 5,58,000 0 0 11,00,000 11,00,000 11,50,000 14,58,000
17 0 0 0 9,00,000 11,00,000 0 0 19,500 2,79,000 0 34,000 6,26,000 0 0 11,00,000 11,00,000 11,79,000 15,26,000
18 0 0 0 9,00,000 11,00,000 0 0 19,500 3,08,000 0 34,000 6,97,000 0 0 11,00,000 11,00,000 12,08,000 15,97,000

19 0 0 0 9,00,000 11,00,000 0 0 19,500 3,38,000 0 34,000 7,71,000 0 0 11,00,000 11,00,000 12,38,000 16,71,000
20 0 0 0 9,00,000 11,00,000 0 0 19,500 3,67,000 0 34,000 8,48,000 0 0 11,00,000 11,00,000 12,67,000 17,48,000

21 0 0 0 9,00,000 11,00,000 0 0 19,500 3,97,000 0 34,000 9,29,000 0 0 11,00,000 11,15,000 12,97,000 18,29,000
22 0 0 0 9,00,000 11,00,000 0 0 19,500 4,28,000 0 34,000 10,13,000 0 0 11,00,000 11,65,000 13,28,000 19,13,000

23 0 0 0 9,00,000 11,00,000 0 0 19,500 4,58,000 0 34,000 11,01,000 0 0 11,00,000 12,19,000 13,58,000 20,01,000
24 0 0 0 9,00,000 11,00,000 0 0 19,500 4,89,000 0 34,000 11,93,000 0 0 11,00,000 12,77,000 13,89,000 20,93,000

25 0 0 0 9,00,000 11,00,000 0 0 19,500 5,21,000 0 34,000 12,89,000 0 0 11,00,000 13,40,000 14,21,000 21,89,000
26 0 0 0 9,00,000 11,00,000 0 0 19,500 5,53,000 0 34,000 13,91,000 0 0 11,00,000 14,07,000 14,53,000 22,91,000

27 0 0 0 9,00,000 11,00,000 0 0 19,500 5,85,000 0 34,000 14,79,000 0 0 11,00,000 14,80,000 14,85,000 23,79,000
28 0 0 0 9,00,000 11,00,000 0 0 19,500 6,17,000 0 34,000 15,58,000 0 0 11,00,000 15,58,000 15,17,000 24,58,000

29 0 0 0 9,00,000 11,00,000 0 0 19,500 6,51,000 0 34,000 16,42,000 0 0 11,00,000 16,43,000 15,51,000 25,42,000
30 0 0 0 9,00,000 11,00,000 0 0 19,500 6,85,000 0 34,000 17,33,000 0 0 11,00,000 17,33,000 15,85,000 26,33,000

31 0 0 0 9,00,000 11,00,000 0 0 19,500 7,19,000 0 34,000 18,30,000 0 0 11,00,000 18,31,000 16,19,000 27,30,000
32 0 0 0 9,00,000 11,00,000 0 0 19,500 7,54,000 0 34,000 19,36,000 0 0 11,00,000 19,36,000 16,54,000 28,36,000
33 0 0 0 9,00,000 11,00,000 0 0 19,500 7,90,000 0 34,000 20,49,000 0 0 11,00,000 20,50,000 16,90,000 29,49,000

34 0 0 0 9,00,000 11,00,000 0 0 19,500 8,27,000 0 34,000 21,71,000 0 0 11,00,000 21,72,000 17,27,000 30,71,000
35 0 0 0 9,00,000 11,00,000 0 0 19,500 8,64,000 0 34,000 23,02,000 0 0 11,00,000 23,03,000 17,64,000 32,02,000

36 0 0 0 9,00,000 11,00,000 0 0 19,500 9,02,000 0 34,000 24,44,000 0 0 11,01,000 24,45,000 18,02,000 33,44,000
37 0 0 0 9,00,000 11,00,000 0 0 19,500 9,40,000 0 34,000 25,97,000 0 0 11,19,000 25,98,000 18,40,000 34,97,000

38 0 0 0 9,00,000 11,00,000 0 0 19,500 9,79,000 0 34,000 27,61,000 0 0 11,39,000 27,62,000 18,79,000 36,61,000
39 0 0 0 9,00,000 11,00,000 0 0 19,500 10,18,000 0 34,000 29,38,000 0 0 11,58,000 29,39,000 19,18,000 38,38,000

40 0 0 0 9,00,000 11,00,000 0 0 19,500 10,57,000 0 34,000 31,29,000 0 0 11,79,000 31,30,000 19,57,000 40,29,000
41 0 0 0 9,00,000 11,00,000 0 0 19,500 10,98,000 0 34,000 33,34,000 0 0 11,99,000 33,36,000 19,98,000 42,34,000

42 0 0 0 9,00,000 11,00,000 0 0 19,500 11,38,000 0 34,000 35,56,000 0 0 12,21,000 35,57,000 20,38,000 44,56,000
43 0 0 0 9,00,000 11,00,000 0 0 19,500 11,80,000 0 34,000 37,94,000 0 0 12,43,000 37,96,000 20,80,000 46,94,000

44 0 0 0 9,00,000 11,00,000 0 0 19,500 12,22,000 0 34,000 40,51,000 0 0 12,65,000 40,53,000 21,22,000 49,51,000
45 0 0 0 9,00,000 11,00,000 0 0 19,500 12,64,000 0 34,000 43,28,000 0 0 12,88,000 43,29,000 21,64,000 52,28,000

46 0 0 0 9,00,000 11,00,000 0 0 19,500 13,07,000 0 34,000 46,26,000 0 0 13,12,000 46,28,000 22,07,000 55,26,000
47 0 0 0 9,00,000 11,00,000 0 0 19,500 13,34,000 0 34,000 49,47,000 0 0 13,36,000 49,49,000 22,34,000 58,47,000
48 0 0 0 9,00,000 11,00,000 0 0 19,500 13,58,000 0 34,000 52,93,000 0 0 13,61,000 52,95,000 22,58,000 61,93,000

49 0 0 0 9,00,000 11,00,000 0 0 19,500 13,83,000 0 34,000 56,66,000 0 0 13,86,000 56,68,000 22,83,000 65,66,000
50 0 0 0 9,00,000 11,00,000 0 0 19,500 14,09,000 0 34,000 60,67,000 0 0 14,12,000 60,70,000 23,09,000 69,67,000

51 0 0 0 9,00,000 11,00,000 0 0 19,500 14,35,000 0 34,000 65,00,000 0 0 14,38,000 65,02,000 23,35,000 74,00,000
52 0 0 0 9,00,000 11,00,000 0 0 19,500 14,62,000 0 34,000 69,66,000 0 0 14,65,000 69,69,000 23,62,000 78,66,000
 Total Benefits
Non Guaranteed Non-Guaranteed including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. Benefits @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit

Total Total
Single / Total Total Total Total
Policy Death Death
Annualized Maturity Maturity Surrender Surrender
Year Benefit Benefit
Premium Benefit, Benefit, Benefit Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender incl of incl of
GA RB RB incl TB, if incl TB, if incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# TB, if TB, if
any, @ any, @ if any, @ if any, @
any, @ any, @
4% 8% 4% 8%
4% 8%
(7+TB) (7+TB) (5+10) (5+13)
(6+TB) (6+TB)

53 0 0 0 9,00,000 11,00,000 0 0 19,500 14,89,000 0 34,000 74,68,000 0 0 14,92,000 74,71,000 23,89,000 83,68,000

54 0 0 0 9,00,000 11,00,000 0 0 19,500 15,17,000 0 34,000 80,09,000 0 0 15,20,000 80,12,000 24,17,000 89,09,000
55 0 0 0 0 11,00,000 10,00,000 0 19,500 0 0 34,000 0 15,61,000 82,36,000 16,30,000 90,48,000 0 0

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. The survival benefits are payable at the end of the policy year. Upon payment at Maturity(Last Payout), the policy terminates and no further benefits become payable.
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 Premium and the Sum Assured on Maturity stated above is based on the information provided. They may vary as a result of underwriting.
6. 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.
7. RB - Reversionary Bonus, TB - Terminal Bonus, GA - Guaranteed Additions
#In case cash bonuses have been paid out, the same shall be deducted from the Surrender Values indicated, at the time of pay out.

I , have explained the premiums charges and benefits under the product fully to the I Abc Abc,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

Note: Kindly note that name of the company has changed from "HDFC Standard Life Insurance Company Limited" to "HDFC Life Insurance Company Limited".