23-07-2025

Quote No : qctebocc6bt09

Benefit Illustration for HDFC Life Sampoorn Nivesh Plus (Spl)

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC
Life Sampoorn Nivesh Plus (Spl)
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: Devashish Chinky Name of Product: HDFC Life Sampoorn Nivesh Plus (Spl)
A Unit Linked Non Participating Life
Age: 25 Tag Line:
Insurance Plan
Name of Life Assured: Devashish Chinky Unique Identification No: 101L180V01
Age: 25 GST Rate: 18%*
Investment Strategy
Sum Assured: Rs.300000
opted for:
Policy Term & Premium Payment Term: 15year(s) & 15year(s)
Plan option: Life
Death benefit option: Classic Waiver Plus
Amount of Instalment Premium: Rs.30000
Mode of payment of Premium: Annual
Income Benefit (%): 0.5 %
Income Term: 5 Years

Funds opted for along with their risk level:

Fund Risk Level Fund SFIN Fund Allocation (%)

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

Instalment Premium without GST (Rs.) 30000 0 0 0 0 0 0 0 0 0 0 0 0 30000

Instalment Premium with First Year GST
30000 0 0 0 0 0 0 0 0 0 0 0 0 30000
(Rs.)
Instalment Premium with GST 2nd Year
30000 0 0 0 0 0 0 0 0 0 0 0 0 30000
Onwards (Rs.)

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 30,000 850 3,059 704 26,430 22,890 3,00,000 850 3,067 705 27,464 23,924 3,00,000

2 30,000 841 2,831 661 54,218 51,858 3,00,000 841 2,861 666 57,421 55,061 3,00,000
3 30,000 831 3,211 728 82,674 80,904 3,00,000 831 3,279 740 89,275 87,505 3,00,000

4 30,000 821 3,305 743 1,12,173 1,10,993 3,00,000 821 3,429 765 1,23,522 1,22,342 3,00,000

5 30,000 813 3,709 814 1,42,378 1,42,378 3,00,000 813 3,907 850 1,59,934 1,59,934 3,00,000
6 30,000 807 5,076 1,059 1,72,158 1,72,158 3,00,000 807 5,370 1,112 1,97,484 1,97,484 3,00,000

7 30,000 802 5,546 1,143 2,02,570 2,02,570 3,00,000 802 5,957 1,217 2,37,326 2,37,326 3,00,000
8 30,000 801 6,028 1,229 2,33,621 2,33,621 3,00,000 801 6,579 1,328 2,79,596 2,79,596 3,00,000

9 30,000 801 6,522 1,318 2,65,320 2,65,320 3,00,000 801 7,238 1,447 3,24,441 3,24,441 3,00,000

10 30,000 828 7,028 1,414 2,97,647 2,97,647 3,15,000 828 7,937 1,578 3,71,986 3,71,986 3,15,000
11 30,000 875 7,545 1,516 3,34,528 3,30,587 3,46,500 875 8,676 1,719 4,27,317 4,22,371 3,46,500

12 30,000 915 8,130 1,628 3,68,194 3,68,194 3,78,000 915 9,528 1,880 4,81,038 4,81,038 3,78,000

13 30,000 956 8,673 1,733 4,07,299 4,02,503 4,09,500 956 10,362 2,037 5,44,283 5,37,987 4,09,500

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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)

14 30,000 1,015 9,296 1,856 4,42,352 4,42,352 4,41,000 1,015 11,333 2,223 6,05,031 6,05,031 4,41,000
15 30,000 1,100 9,867 1,974 4,96,993 4,78,019 4,72,500 1,100 12,273 2,407 6,90,495 6,69,385 4,72,500

*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 (name), have explained the premiums charges and benefits under the policy fully to I Devashish Chinky (name),having received the information with respect to the above,
the prospect / policy holder. have 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 5.97% 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 30,000 2,700 27,300 850 705 0 0 0 0 27,501 367 27,464 23,924 3,00,000

2 30,000 2,100 27,900 841 666 0 0 0 0 57,497 761 57,421 55,061 3,00,000

3 30,000 2,100 27,900 831 740 0 0 0 0 89,394 1,179 89,275 87,505 3,00,000

4 30,000 1,800 28,200 821 765 0 0 0 0 1,23,686 1,629 1,23,522 1,22,342 3,00,000
5 30,000 1,800 28,200 813 850 0 0 0 0 1,60,147 2,107 1,59,934 1,59,934 3,00,000

6 30,000 1,500 28,500 807 1,112 1,260 0 0 0 1,97,747 2,610 1,97,484 1,97,484 3,00,000

7 30,000 1,500 28,500 802 1,217 1,323 0 0 0 2,37,641 3,134 2,37,326 2,37,326 3,00,000

8 30,000 1,500 28,500 801 1,328 1,389 0 0 0 2,79,968 3,690 2,79,596 2,79,596 3,00,000

9 30,000 1,500 28,500 801 1,447 1,459 0 0 0 3,24,872 4,279 3,24,441 3,24,441 3,00,000

10 30,000 1,500 28,500 828 1,578 1,532 0 0 0 3,72,480 4,905 3,71,986 3,71,986 3,15,000
11 30,000 1,500 28,500 875 1,719 1,608 0 0 4,945 4,22,933 5,568 4,27,317 4,22,371 3,46,500

12 30,000 1,500 28,500 915 1,880 1,689 0 0 0 4,81,677 6,339 4,81,038 4,81,038 3,78,000

13 30,000 1,500 28,500 956 2,037 1,773 0 0 6,296 5,38,701 7,089 5,44,283 5,37,987 4,09,500

14 30,000 1,500 28,500 1,015 2,223 1,862 0 0 0 6,05,835 7,971 6,05,031 6,05,031 4,41,000

15 30,000 1,500 28,500 1,100 2,407 1,955 0 0 21,110 6,70,274 8,818 6,90,495 6,69,385 4,72,500

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 GST FMC
Morbidity Charge Charge charges* the fund* before FMC of Year Value Benefit
(AP)
(PAC) (AP)-(PAC) Charges

1 30,000 2,700 27,300 850 704 0 0 0 0 26,465 359 26,430 22,890 3,00,000
2 30,000 2,100 27,900 841 661 0 0 0 0 54,290 731 54,218 51,858 3,00,000

3 30,000 2,100 27,900 831 728 0 0 0 0 82,783 1,111 82,674 80,904 3,00,000

4 30,000 1,800 28,200 821 743 0 0 0 0 1,12,322 1,505 1,12,173 1,10,993 3,00,000

5 30,000 1,800 28,200 813 814 0 0 0 0 1,42,567 1,909 1,42,378 1,42,378 3,00,000

6 30,000 1,500 28,500 807 1,059 1,260 0 0 0 1,72,387 2,316 1,72,158 1,72,158 3,00,000

7 30,000 1,500 28,500 802 1,143 1,323 0 0 0 2,02,839 2,723 2,02,570 2,02,570 3,00,000
8 30,000 1,500 28,500 801 1,229 1,389 0 0 0 2,33,931 3,139 2,33,621 2,33,621 3,00,000

9 30,000 1,500 28,500 801 1,318 1,459 0 0 0 2,65,672 3,563 2,65,320 2,65,320 3,00,000

10 30,000 1,500 28,500 828 1,414 1,532 0 0 0 2,98,042 3,996 2,97,647 2,97,647 3,15,000

11 30,000 1,500 28,500 875 1,516 1,608 0 0 3,941 3,31,026 4,437 3,34,528 3,30,587 3,46,500

12 30,000 1,500 28,500 915 1,628 1,689 0 0 0 3,68,683 4,941 3,68,194 3,68,194 3,78,000
13 30,000 1,500 28,500 956 1,733 1,773 0 0 4,796 4,03,037 5,400 4,07,299 4,02,503 4,09,500

14 30,000 1,500 28,500 1,015 1,856 1,862 0 0 0 4,42,940 5,934 4,42,352 4,42,352 4,41,000

15 30,000 1,500 28,500 1,100 1,974 1,955 0 0 18,973 4,78,654 6,412 4,96,993 4,78,019 4,72,500

*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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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.

I (name), have explained the premiums charges and benefits under the policy fully to I Devashish Chinky (name),having received the information with respect to the above,
the prospect / policy holder. have 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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