26-04-2025
Quote No : coveg6xiluf
Benefit Illustration for HDFC Life Sampoorna Jeevan
This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC Life
Sampoorna Jeevan
Age is taken as on last birthday Proposal No: NA
Name of
Name of the Prospect /Policy holder: Pavitra HDFC Life Sampoorna Jeevan
the Product:
A Non-linked Participating Individual
Age: 34 Tag Line:
Life Insurance Savings Plan
Name of the Life Assured: Pavitra Unique Identification No: 101N158V06
Age: 34 GST Rate: 4.5% for first year
2.25% second year
Policy Term 41 year(s)
onwards
Premium Payment Term: 10 year(s)
Amount of Installment Premium
22800
(Without GST):
Mode of Payment of Premium: Annual
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 Options
Maturity Age Variant Sampoorna Jeevan 75 Basic Sum Assured Rs. 1,41,337
Guaranteed Benefit Option Income Option
Bonus Type
Bonus Option Cash Bonus Sum Assured on Death (at inception of the policy) Rs. 2,28,000
Paid up Addition Option No
Payout Frequency Annual Cash Bonus Start Year 2
Premium Summary
Base Plan CI Rider IB Rider PPR Rider (PAC) PPR Rider (ADC) PPR Rider (CC) WOP Rider Total Installment Premium
Instalment Premium without GST 22800 0 0 0 0 0 0 22800
Instalment Premium with First Year GST 23826 0 0 0 0 0 0 23826
Instalment Premium with GST 2nd Year Onwards 23313 0 0 0 0 0 0 23313
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(Amounts in Rupees.)
Total Benefits
including Guaranteed and Non-
Guaranteed Benefits Non Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a. Guaranteed Benefits
Survival/Maturity
Death Benefit
Benefit
Total
Age of Total Total
Policy Annualized Survival / Total
Life Death Death
Year Premium Simple Simple Maturity Survival /
Insured Cash Cash Benefit Benefit
Reversionary Cash Surrender Reversionary Cash Surrender Benefit Maturity
Value of Guaranteed Special Value of Guaranteed Special incl of incl of
Survival Surrender Death Maturity Bonus/Simple Bonus/Accrued Value Bonus/Simple Bonus/Accrued Value incl Benefit incl
Accrued Surrender Surrender Accrued Surrender Surrender Terminal Terminal
Benefit Benefit Benefit Benefit Reversionary Paid Up Payable(Higher Reversionary Paid Up Payable(Higher Terminal Terminal
Paid Up Value Value Paid Up Value Value Bonus, Bonus, if
Income Additions of 11 & 12) Income Additions of 17 & 18) Bonus, if Bonus, if
Additions Additions if any @ any @
Bonus Bonus any @ any @ 8%
4% 8%
4% (4+7+14+15)
(6+8+9) (6+14+15)
(4+7+8+9)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23
1 34 22800 0 0 228000 0 0 0 0 0 4757 4757 0 0 0 0 4757 4757 0 0 228000 228000
2 35 22800 0 13680 228000 0 0 0 0 13680 10225 13680 0 5653 0 8027 10225 10225 0 5653 228000 233653
3 36 22800 0 23940 228000 0 0 0 0 23940 20727 23940 0 5653 0 12633 17900 17900 0 5653 228000 233653
4 37 22800 0 45600 228000 0 0 0 0 45600 33524 45600 0 5653 0 28640 27871 28640 0 5653 228000 233653
5 38 22800 0 57000 228000 0 0 0 0 57000 50130 57000 0 5653 0 34386 43063 43063 0 5653 228000 233653
6 39 22800 0 68400 228000 0 0 0 0 68400 72065 72065 0 5653 0 40133 60758 60758 0 5653 228000 233653
7 40 22800 0 79800 228000 0 0 0 0 79800 96623 96623 0 5653 0 45879 83902 83902 0 5653 228000 233653
8 41 22800 0 109440 228000 0 0 0 0 109440 123934 123934 0 5653 0 69866 111214 111214 0 5653 228000 233653
9 42 22800 0 123120 228000 0 0 0 0 123120 156971 156971 0 5653 0 77892 142837 142837 0 5653 228000 233653
10 43 22800 0 136800 239400 0 0 0 0 136800 194464 194464 0 5653 0 85919 178917 178917 0 5653 239400 245053
11 44 0 7067 129733 239400 0 0 0 0 129733 209820 209820 0 5653 0 73198 195686 195686 7067 12720 239400 245053
12 45 0 7067 122666 239400 0 0 0 0 122666 211008 211008 0 5653 0 60478 198287 198287 7067 12720 239400 245053
13 46 0 7067 126999 239400 0 0 0 0 126999 212154 212154 0 5653 0 59158 202261 202261 7067 12720 239400 245053
14 47 0 7067 119933 239400 0 0 0 0 119933 213253 213253 0 5653 0 46437 204772 204772 7067 12720 239400 245053
15 48 0 7067 112866 239400 0 0 0 0 112866 214294 214294 0 5653 0 33717 208641 208641 7067 12720 239400 245053
16 49 0 7067 105799 239400 0 0 0 0 105799 216684 216684 0 5653 0 20996 212444 212444 7067 12720 239400 245053
17 50 0 7067 98732 239400 0 0 0 0 98732 217583 217583 0 5653 0 8276 217583 217583 7067 12720 239400 245053
18 51 0 7067 103065 239400 0 0 0 0 103065 218396 218396 0 5653 0 6956 222636 222636 7067 12720 239400 245053
19 52 0 7067 95998 239400 0 0 0 0 95998 219109 219109 0 5653 0 0 226175 226175 7067 12720 239400 245053
20 53 0 7067 88931 239400 0 0 0 0 88931 221124 221124 0 5653 0 0 232431 232431 7067 12720 239400 245053
21 54 0 7067 81864 239400 0 0 0 0 81864 221601 221601 0 5653 0 0 237148 237148 7067 12720 239400 245053
22 55 0 7067 74798 239400 0 0 0 0 74798 223355 223355 0 5653 0 0 243142 243142 7067 12720 239400 248795
23 56 0 7067 67731 239400 0 0 0 0 67731 224957 224957 0 5653 0 0 250398 250398 7067 12720 239400 256051
24 57 0 7067 72064 239400 0 0 0 0 72064 224980 224980 0 5653 0 0 256075 256075 7067 12720 239400 261728
25 58 0 7067 64997 239400 0 0 0 0 64997 226235 226235 0 5653 0 0 262982 262982 7067 12720 239400 268635
26 59 0 7067 57930 239400 0 0 0 0 57930 227289 227289 0 5653 0 0 271103 271103 7067 12720 239400 276756
27 60 0 7067 50863 239400 0 0 0 0 50863 228121 228121 0 5653 0 0 279003 279003 7067 12720 239400 284656
28 61 0 7067 43796 239400 0 0 0 0 43796 228708 228708 0 5653 0 0 288070 288070 7067 12720 239400 293723
29 62 0 7067 48130 239400 0 0 0 0 48130 230433 230433 0 5653 0 0 296862 296862 7067 12720 239400 302515
30 63 0 7067 41063 239400 0 0 0 0 41063 230437 230437 0 5653 0 0 306759 306759 7067 12720 239400 312412
31 64 0 7067 33996 239400 0 0 0 0 33996 230094 230094 0 7067 0 0 314896 314896 7067 14134 239400 321963
32 65 0 7067 26929 239400 0 0 0 0 26929 230770 230770 0 7067 0 0 325466 325466 7067 14134 239400 332533
33 66 0 7067 19862 239400 0 0 0 0 19862 231000 231000 0 7067 0 0 335589 335589 7067 14134 239400 342656
34 67 0 7067 24195 239400 0 0 0 0 24195 230718 230718 0 7067 0 0 346615 346615 7067 14134 239400 353682
35 68 0 7067 17128 239400 0 0 0 0 17128 231267 231267 0 7067 0 0 358470 358470 7067 14134 239400 365537
36 69 0 7067 10062 239400 0 0 0 0 10062 231144 231144 0 7067 0 0 369655 369655 7067 14134 239400 376722
37 70 0 7067 2995 239400 0 0 0 0 2995 230251 230251 0 7067 0 0 382896 382896 7067 14134 239400 389963
38 71 0 7067 0 239400 0 0 0 0 0 228468 228468 0 7067 0 0 396660 396660 7067 14134 239400 403727
39 72 0 7067 261 239400 0 0 0 0 261 227069 227069 0 7067 0 0 412221 412221 7067 14134 239400 419288
40 73 0 7067 0 239400 0 0 0 0 0 225888 225888 0 7067 0 0 428000 428000 7067 14134 239400 435067
41 74 0 0 0 239400 7067 0 0 0 0 0 0 0 7067 0 0 0 0 255820 507401 255820 507401
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 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.
3. 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.
4. The Premium and the Sum Assured on Maturity stated above is based on the information provided. They may vary as a result of underwriting.
5. 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.
6. RB - Reversionary Bonus, TB - Terminal Bonus, GA - Guaranteed Additions
7. Taxes will be applicable as per the prevailing provisions of the Income Tax Act, 1961.
I , have explained the premiums charges and benefits under the product fully to the prospect / policy holder. I Pavitra ,having received the information with respect to the above, have 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".
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