10-03-2025

Quote No : qcmgyu398diyw

Benefit Illustration for HDFC Life Sampoorn Nivesh Plus

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC
Life Sampoorn Nivesh Plus
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
Name of the Prospect/Policy holder: Deval Joshi Name of Product: HDFC Life Sampoorn Nivesh Plus
A Unit Linked Non Participating Life
Age: 34 Tag Line:
Insurance Plan
Name of Life Assured: Deval Joshi Unique Identification No: 101L180V01
Age: 34 GST Rate: 18%*
Investment Strategy
Sum Assured: Rs.2500000 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.250000
Mode of payment of Premium: Annual
Income Benefit (%): NA
Income Term: NA

Funds opted for along with their risk level:

Fund Risk Level Fund SFIN Fund Allocation (%)

Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0

Blue Chip Fund High ULIF03501/01/10BlueChipFd101 0
Opportunities Fund High ULIF03601/01/10OpprtntyFd101 50
Balanced Fund Medium ULIF03901/09/10BalancedFd101 0

Flexi Cap Fund Very High ULIF07114/07/23FlexiCapFd101 0

Bond Fund Low ULIF05601/08/13Bond Funds101 0
Discovery Fund High ULIF06618/01/18DiscvryFnd101 50

Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0

Rider Details
Rider Name Rider UIN Rider PPT Rider PT Rider Sum Assured Rs.
Income Benefit on Accidental Disability Rider 101A038V01 10 Years 10 Years 2500000

Premium Summary

Total
PP Rider PP Rider PP Rider HP Rider HP Rider WOP WOP Rider
Base Plan CI Rider IB Rider Instalment
(PAC) (ADC) (CC) (CCI) (CC) Rider (DH) (CID)
Premium

Instalment Premium without GST 250000 0 700 0 0 0 0 0 0 0 250700

Instalment Premium with First Year GST 250000 0 826 0 0 0 0 0 0 0 250826

Instalment Premium with GST 2nd Year Onwards 250000 0 826 0 0 0 0 0 0 0 250826

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 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 2,50,000 3,588 18,147 3,912 2,33,485 2,26,405 25,00,000 3,582 18,213 3,923 2,42,549 2,35,469 25,00,000
2 2,50,000 3,385 21,344 4,451 4,72,715 4,66,815 25,00,000 3,356 21,602 4,492 5,00,638 4,94,738 25,00,000

3 2,50,000 3,159 24,619 5,000 7,17,852 7,13,132 25,00,000 3,086 25,209 5,093 7,75,297 7,70,577 25,00,000

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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)

4 2,50,000 2,898 27,975 5,557 9,69,076 9,66,716 25,00,000 2,755 29,048 5,725 10,67,643 10,65,283 25,00,000
5 2,50,000 2,592 31,415 6,121 12,26,586 12,26,586 25,00,000 2,345 33,135 6,386 13,78,887 13,78,887 25,00,000

6 2,50,000 2,214 33,511 6,430 14,92,503 14,92,503 25,00,000 1,818 36,057 6,817 17,12,449 17,12,449 25,00,000

7 2,50,000 1,763 37,153 7,005 17,65,224 17,65,224 25,00,000 1,161 40,722 7,539 20,67,802 20,67,802 25,00,000
8 2,50,000 1,214 40,889 7,578 20,45,028 20,45,028 25,00,000 329 45,692 8,284 24,46,531 24,46,531 25,00,000

9 2,50,000 538 44,723 8,147 23,32,232 23,32,232 25,00,000 0 50,985 9,177 28,49,497 28,49,497 28,49,497
10 2,50,000 85 48,657 8,774 26,26,744 26,26,744 26,26,744 0 56,613 10,190 32,77,822 32,77,822 32,77,822

*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 ABHAY ARUN BHAGWAT (name), have explained the premiums charges and I Deval Joshi (name),having received the information with respect to the above, have
benefits under the policy fully to the prospect / policy holder. understood the above statement before entering into the contract.

Place:

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

PART B
Gross
8% p.a Net Yield 5.51% Amount in Rupees
Yield

Annualized
Premium Premium Mortality
Annualized Allocation -Premium Charge, Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation Morbidity GST FMC
Charge Charge charges* the fund* before FMC of Year Value Benefit
(AP) Charge Charges
(PAC) (AP)-(PAC)

1 2,50,000 15,000 2,35,000 3,582 3,923 0 0 0 0 2,42,871 3,213 2,42,549 2,35,469 25,00,000

2 2,50,000 15,000 2,35,000 3,356 4,492 0 0 0 0 5,01,303 6,602 5,00,638 4,94,738 25,00,000

3 2,50,000 15,000 2,35,000 3,086 5,093 0 0 0 0 7,76,327 10,209 7,75,297 7,70,577 25,00,000

4 2,50,000 15,000 2,35,000 2,755 5,725 0 0 0 0 10,69,061 14,048 10,67,643 10,65,283 25,00,000

5 2,50,000 15,000 2,35,000 2,345 6,386 0 0 0 0 13,80,719 18,135 13,78,887 13,78,887 25,00,000
6 2,50,000 7,500 2,42,500 1,818 6,817 6,000 0 0 0 17,14,724 22,557 17,12,449 17,12,449 25,00,000

7 2,50,000 7,500 2,42,500 1,161 7,539 6,000 0 0 0 20,70,549 27,222 20,67,802 20,67,802 25,00,000

8 2,50,000 7,500 2,42,500 329 8,284 6,000 0 0 0 24,49,781 32,192 24,46,531 24,46,531 25,00,000

9 2,50,000 7,500 2,42,500 0 9,177 6,000 0 0 0 28,53,283 37,485 28,49,497 28,49,497 28,49,497

10 2,50,000 7,500 2,42,500 0 10,190 6,000 0 0 0 32,82,177 43,113 32,77,822 32,77,822 32,77,822

Gross
4% p.a Amount in Rupees
Yield

Premium Annualized Mortality

Annualized Allocation Premium
Charge, Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge -Premium Morbidity GST FMC
Charge Charge charges* the fund* before FMC of Year Value Benefit
(AP)
(PAC) (AP)-(PAC) Charges

1 2,50,000 15,000 2,35,000 3,588 3,912 0 0 0 0 2,33,795 3,147 2,33,485 2,26,405 25,00,000
2 2,50,000 15,000 2,35,000 3,385 4,451 0 0 0 0 4,73,343 6,344 4,72,715 4,66,815 25,00,000

3 2,50,000 15,000 2,35,000 3,159 5,000 0 0 0 0 7,18,806 9,619 7,17,852 7,13,132 25,00,000

4 2,50,000 15,000 2,35,000 2,898 5,557 0 0 0 0 9,70,364 12,975 9,69,076 9,66,716 25,00,000

5 2,50,000 15,000 2,35,000 2,592 6,121 0 0 0 0 12,28,215 16,415 12,26,586 12,26,586 25,00,000

6 2,50,000 7,500 2,42,500 2,214 6,430 6,000 0 0 0 14,94,486 20,011 14,92,503 14,92,503 25,00,000

7 2,50,000 7,500 2,42,500 1,763 7,005 6,000 0 0 0 17,67,569 23,653 17,65,224 17,65,224 25,00,000
8 2,50,000 7,500 2,42,500 1,214 7,578 6,000 0 0 0 20,47,745 27,389 20,45,028 20,45,028 25,00,000

9 2,50,000 7,500 2,42,500 538 8,147 6,000 0 0 0 23,35,330 31,223 23,32,232 23,32,232 25,00,000

10 2,50,000 7,500 2,42,500 85 8,774 6,000 0 0 0 26,30,234 35,157 26,26,744 26,26,744 26,26,744

*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.
4. On death of the life assured under Classic Waiver Plus option, a monthly income shall be paid in addition to the death benefit illustrated above as per the policy terms and
conditions. Applicable mortality charges with respect to this benefit are included in the illustration above under Mortality Charge.

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I ABHAY ARUN BHAGWAT (name), have explained the premiums charges and I Deval Joshi (name),having received the information with respect to the above, have
benefits under the policy fully to the prospect / policy holder. understood the above statement before entering into the contract.

Place:

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

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