THIS ADVERTISEMENT IS DESIGNED FOR COMBINATION OF BENEFITS OF TWO INDIVIDUAL AND SEPARATE PRODUCTS NAMED HDFC LIFE SANCHAY

PAR
ADVANTAGE (UIN: 101N136V04), AN INDIVIDUAL NON-LINKED PARTICIPATING SAVINGS LIFE INSURANCE PLAN OFFERED BY HDFC LIFE AND HDFC LIFE
SAMPOORN NIVESH PLUS (UIN: 101L180V01), A UNIT LINKED NON-PARTICIPATING INDIVIDUAL LIFE INSURANCE SAVINGS PLAN OFFERED BY HDFC LIFE. THESE
PRODUCTS ARE ALSO AVAILABLE FOR SALE INDIVIDUALLY WITHOUT THE COMBINATION OFFERED/SUGGESTED. THIS BENEFIT ILLUSTRATION IS THE ARITHMETIC
COMBINATION AND CHRONOLOGICAL LISTING OF COMBINED BENEFITS OF INDIVIDUAL PRODUCTS. THE CUSTOMER IS ADVISED TO REFER TO THE DETAILED
SALES BROCHURE OF RESPECTIVE INDIVIDUAL PRODUCTS MENTIONED HEREIN BEFORE CONCLUDING THE SALE.

IN UNIT LINKED POLICIES, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER. THE UNIT LINKED INSURANCE PRODUCTS
DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER OR WITHDRAW THE
MONIES INVESTED IN UNIT LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

A Unique Solution HandBook

Created for Mr. Sir (Age 32 years)

Presented by: DEEPALI SAINI

Brought to you by:

HDFC Life Insurance Company Limited

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 *Applicable where timing for payment of survival benefit is selected as Advance. First payout shall be made within 7 working days from i) the realization of the first
premium or ii) policy issuance, whichever is later. Subsequent payouts shall be made within 7 working days from i) realization of renewal premium or ii) survival benefit
payout date, whichever is later.
#Loyalty additions are applicable after 10 years. Please refer the product brochure for more details.

HDFC Life Smart Advantage Plus Solution, is an exclusive solution that combines the best of both worlds-providing you with regular income for your future needs and
the potential for growth through market-linked investments. This comprehensive offering ensures your financial security with robust life coverage, customizable
investment strategies (with 10 fund options), and provide tax benefits.

Total Installment Premium without GST is ₹ 7,50,000

What you
Total Installment Premium with GST, In First year is ₹ 7,74,439
will Pay
Total Installment Premium with GST, Second year onwards is ₹ 7,63,231

Benefits from -
▪ Get regular income of ₹ 26,063 per year at an assumed rate of return 4%1 p.a or ₹ 83,857 per year at an assumed
rate of return 8%1 p.a from 1st year onwards till age 51 years.
▪ On Maturity at age 51 years, receive ₹ 47,18,647 at an assumed rate of return 4% 1 p.a or ₹ 68,25,025 at an assumed
rate of return 8%1 p.a including a guaranteed* component of ₹ 24,90,535; What
▪ Enjoy the benefits of loyalty additions - 1.8% of the average fund value every alternate year starting from the end of you will
11th policy year Get
▪ Avail flexibility of partial withdrawals
▪ Get tax benefits^^ as per the prevailing tax laws.

*Provided the policy is inforce and all due premiums are paid
^^Tax benefits are subject to changes in the tax laws. Please consult your tax consultant for detailed understanding of the tax
benefits
1. These assumed rate 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. For detailed understanding, please refer illustration page.

Customized Life solution for Sir

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 Total
Annual
Total
Premium
Premium Annual
Policy Annualised** with Sum
Product/ Payment Premium
UIN Term Premium GST - Assured
Rider name Term with
(Yrs.) (₹) Second (₹)
(Yrs.) GST - First
year
year(₹)
onwards
(₹)
HDFC Life Sanchay Par Advantage 101N136V04 5 20 4,98,107 5,20,522 5,09,314 61,26,716
HDFC Life Waiver of Premium Rider - Non Linked 101B032V02 5 5 1,893 2,234 2,234 17,66,287
HDFC Life Sampoorn Nivesh Plus 101L180V01 5 20 2,40,648 2,40,648 2,40,648 24,06,480
HDFC Life Protect Plus rider - Personal Accident
101B016V01 5 20 9,352 11,035 11,035 24,06,480
Cover
Total 7,50,000 7,74,439 7,63,231

Product / Fund Name Fund Allocation %

HDFC Life Sampoorn Nivesh Plus
Diversified Equity Fund 0
Blue Chip Fund 0
Opportunities Fund 0
Balanced Fund 0
Flexi Cap Fund 0
Bond Fund 0
Discovery Fund 100
Equity Advantage Fund 0
Top 300 Alpha 50 Fund 0
Dynamic Advantage Fund 0
Total 100%

**HDFC Life Sanchay Par Advantage: Annualized Premium is the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and
loadings for modal premiums, if any. HDFC Life Sampoorn Nivesh Plus : Annualized Premium means the premium amount payable in a year excluding the taxes, rider premiums and underwriting extra
premium on riders, if any
All amounts are in Indian Rupees

Customized Life solution for Sir

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 Survival Benefits-
Fund Value
Non Guaranteed
Maturity Benefit (End of year)
Death Benefit (from Sanchay
( from Sanchay Par Advantage) (from Sampoorn
Par
Nivesh Plus)
Advantage)
Annu Total Total
Policy alised** Cumulative Total Death Total Death
Maturity Maturity
Age Benefit Benefit Fund Fund
year Premium Premium Benefit Benefit
(₹) including including Cash Value @ Value @
Guaranteed Cash Guaranteed including including
Guaranteed Guaranteed Bonus 4% p.a. 8% p.a.2
2
Death Bonus @ Maturity Guaranteed Guaranteed
and Non- and Non- @ assumed assumed
Benefit 8% p.a.2 Benefit and Non- and Non-
Guaranteed Guaranteed 4% p.a.2 rate of rate of
Guaranteed Guaranteed
Benefits Benefits return return
Benefits Benefits
@4% p.a.2 @8% p.a.2
@4% p.a.2 @8% p.a.2
1 32 738755 738755 8533196 8533196 8533196 26063 83857 0 0 0 225085 233816
2 33 738755 1477510 8533196 8533196 8533196 26063 83857 0 0 0 455735 482637
3 34 738755 2216265 8533196 8533196 8533196 26063 83857 0 0 0 692096 747444
4 35 738755 2955020 8533196 8533196 8533196 26063 83857 0 0 0 934330 1029297
5 36 738755 3693775 8533196 8533196 8533196 26063 83857 0 0 0 1182613 1329342
6 37 0 3693775 8533196 8533196 8533196 26063 83857 0 0 0 1200574 1403282
7 38 0 3693775 8533196 8533196 8533196 26063 83857 0 0 0 1218809 1481892
8 39 0 3693775 8533196 8533196 8533196 26063 83857 0 0 0 1237301 1565482
9 40 0 3693775 8533196 8533196 8533196 26063 83857 0 0 0 1256033 1654387
10 41 0 3693775 8533196 8533196 8533196 26063 83857 0 0 0 1274981 1748971
11 42 0 3693775 8533196 8533196 8533196 26063 83857 0 0 0 1317253 1882088
12 43 0 3693775 8533196 8533196 8533196 26063 83857 0 0 0 1337175 1991435
13 44 0 3693775 8533196 8533196 8533196 26063 83857 0 0 0 1381503 2144912
14 45 0 3693775 8533196 8533196 8533196 26063 83857 0 0 0 1402349 2271636
15 46 0 3693775 8533196 8533196 8575803 26063 83857 0 0 0 1448723 2449087
16 47 0 3693775 8533196 8533196 8722604 26063 83857 0 0 0 1470433 2595888
17 48 0 3693775 8533196 8533196 8926877 26063 83857 0 0 0 1518855 2800161
18 49 0 3693775 8533196 8533196 9095772 26063 83857 0 0 0 1541411 2969056
19 50 0 3693775 8533196 8533196 9330472 26063 83857 0 0 0 1591952 3203756
20 51 0 3693775 8533196 8533196 9524765 26063 83857 2490535 3103207 3426976 1615440 3398049

Total 5,21,260 16,77,140

Total Benefits @4% p.a.2 52,39,907

Total Benefits @8% p.a.2 85,02,165
**HDFC Life Sanchay Par Advantage: Annualized Premium is the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal
premiums, if any. HDFC Life Sampoorn Nivesh Plus : Annualized Premium means the premium amount payable in a year excluding the taxes, rider premiums and underwriting extra premium on riders, if any
All amounts are in Indian Rupees
The benefits shown above are at the end of the year. Age presented above represents assured life's age at the start of policy year.
2 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 numebr of factors including actual future investment
performance.
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. 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 actual future investment performance
The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses and these products are subject to the overall performance of the insurer in
terms of investments, management of expenses, mortality and lapses.

Customized Life solution for Sir

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HDFC Life Sampoorn Nivesh Plus

The charges under this policy are deducted to provide for the cost of benefits and the administration provided by us. Our charges, when taken together, are
structured to give you better returns and value for money over the long term.
Premium Allocation Charge:

This charge is a percentage of the Premium appropriated towards Annualized Premium from the Premium received. The balance amount known as Allocation
rate constitutes that part of Premium which is utilized to purchase the Units of the Fund in the Policy. This is a charge levied at the time of receipt of Premium.
The Premium Allocation charge is capped at 12.5% of Annualized Premium in any year. This is a premium based charge. After deducting this charge from your
premiums, the remainder is invested to buy units. The Premium Allocation charge is guaranteed for the full policy term.

Limited Pay /Regular Pay

Premium Bands Payment Modes Year 1 Year 2-3 Year 4-5 Year 6 & Above
Annual Mode 9% 7% 6% 5%
Less Than 1 Lakh
Non-Annual Mode 7% 6% 5% 5%
Annual Mode 6% 6% 6% 3%
1 Lakh - 4,99,999
Non-Annual Mode 6% 6% 5% 3%
5 Lakh - 9,99,999 All Modes 5% 5% 5% 3%
10 Lakh and above All Modes 4% 4% 4% 3%

Policy Administration Charge:

This charge shall represent the expenses other than those covered by Premium Allocation Charge and the Fund management charge. This charge is levied at
the beginning of each Policy month from the Unit Fund by cancelling Units for equivalent amount. This charge is a percentage of the annualized premium/single
premium. The charge will be deducted monthly to provide administration for your policy. This charge will be taken by cancelling units proportionately from each of
the fund(s) you have chosen

Single Premium Regular/Limited

Year
Payment Premium Payment
0.12% of Single
1 to 5 Nil
Premium per month
0.07% of Single Premium 0.35% per month of the
per month increasing at annualized premium
5% per annum on each increasing at 5% per annum
6 and Policy Anniversary on each Policy Anniversary
above
The policy administration charge is subject to a cap of Rs
500 per month. The percentage charge each year will be
rounded to 2 decimal places

Fund Management Charge (FMC):

This charge is levied as a percentage of the value of assets and shall be appropriated by adjusting the NAV. This is a charge levied at the time of computation of
NAV, which is done on daily basis. The cap on Fund management Annualized Premium in respect of each of the Segregated Fund other than Discontinued
Policy Fund shall be 135 basis points per annum. For Discontinued Policy Fund, the cap on Fund management charge shall be 50 basis points per annum. The
daily unit price is calculated allowing for deductions for the fund management charge, which is charged daily. This charge will be subject to the maximum cap as
allowed by IRDAI

1.35% p.a. of the fund value, charged daily.

0.50% p.a. for Discontinued Policy Fund.
Mortality & other Risk Benefit Charge:

This charge is the cost of life insurance cover. It is exclusive of any expense loadings and is levied by cancellation of Units. This charge, if any, shall be levied at
the beginning of each Policy month from the Fund. Every month we levy a charge for providing you with the death and other risk benefits in your policy. This
charge will be taken by cancelling units proportionately from each of the fund(s) you have chosen. The mortality charge and other risk benefit charge are
guaranteed for the entire duration of the policy term.
The amount of the charge taken each month depends on your age and level of cover.

Surrender or Discontinuance Charge:

This is a charge levied on the Unit Fund for individual Unit linked insurance Products where you opt for Surrender or on Discontinuance of the contract as
stipulated under these regulations. This charge depends on year of discontinuance and your annualized premium for limited and regular premium policies. There
is no charge from 5th policy year.

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The table below gives the maximum discontinuance charge applicable for limited and regular premium payment policies.

Discontinuance Maximum Discontinuance Charge

during the policy Annual Premium up to Annual Premium
year ₹50,000 above ₹50,000
Lower of 20% x (Annual Lower of 6% x (Annual
1 Premium or Fund Value) Premium or Fund Value)
but not exceeding ₹ 3000 but not exceeding ₹ 6000
Lower of 15% x (Annual Lower of 4% x (Annual
2 Premium or Fund Value) Premium or Fund Value)
but not exceeding ₹ 2000 but not exceeding ₹ 5000
Lower of 10% x (Annual Lower of 3% x (Annual
3 Premium or Fund Value) Premium or Fund Value)
but not exceeding ₹ 1500 but not exceeding ₹ 4000
Lower of 5% x (Annual Lower of 2% x (Annual
4 Premium or Fund Value) Premium or Fund Value)
but not exceeding ₹ 1000 but not exceeding ₹ 2000
5+ NIL NIL

In addition, only if you request for partial withdrawal, fund switch and premium redirection following charges will be charged on such requests

Partial withdrawal charge:

This is a charge levied on the Unit Fund at the time of partial withdrawal of the Fund during the contract period. The maximum partial withdrawal charge shall be
Rs.500/- per transaction. There are 4 free partial withdrawals in each policy year. Subsequent partial withdrawals, if any, will attract a charge of Rs 250 per
requestor a reduced charge of Rs 25 per request if executed through the company' s web portal. This will be levied on the unit fund at the time of part withdrawal
of the fund during the contract period.

Switching charge:

This is a charge levied on switching from one Segregated Fund to another available within the product. The charge per each switch shall be levied at the time of
executing the switch. The maximum switching charge shall be Rs.500 per switch. There are 4 free switches in each policy year. Subsequent switches, if any, will
attract a charge of Rs 250 per requestor a reduced charge of Rs 25 per request if executed through the company's web portal. This charge will be levied on
switching of monies from one fund to another available fund within the product. The charge per each switch will be levied at the time of effecting the switch.

Miscellaneous Charges:

This is a charge levied for any alterations within the contract, such as increase in Sum Assured, Premium Redirection, change in Policy Term etc. This charge
shall be levied by cancellation of Units. A miscellaneous charge of Rs 250 shall be levied for any policy alterations as per Schedule I Clause 2(A)(vi)(c)(X) of
IRDAI (Insurance Products) Regulations,2024. Miscellaneous charge is levied only at the time of alteration. The maximum miscellaneous charge shall be
Rs.500/- per alteration.

Premium Redirection Charge:

There are 4 free premium redirections in each policy year. Subsequent premium redirections, if any, will attract a charge of Rs 250 per request or a reduced
charge of Rs 25 per request if executed through the company's web portal.

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 A. Switching
You can move your accumulated funds from one fund to another anytime. You can also switch from one portfolio strategy to another.

B. Premium Redirection:
You can pay your future premiums into different funds or between 2 different strategies, as per your need.

C. Partial Withdrawal:
We understand that you may need money to meet any future financial emergencies. You can withdraw money from your funds to meet such needs.

1. You can make lump sum partial withdrawals from your funds after 5 years of your policy provided:
The Life Assured is at least 18 years of age.
In the case of child policies, Partial Withdrawals shall not be allowed until the minor life insured attains majority i.e., on or after attainment of
age 18.
The minimum partial withdrawal amount is Rs. 10,000. This is subject to change from time to time.
The fund value after the partial withdrawal and any applicable charges (including applicable taxes and statutory levies, if any) is not less than
150% of your annualized premium for limited and regular premium payment policies.
For limited and regular premium payment policies, the maximum amount that can be withdrawn from the basic fund value throughout the
policy term is 300% of the annualized premium.
The partial withdrawals shall not be allowed which would result in termination of a contract.
The partial withdrawals with respect to the fund values from the base premiums shall only be counted for the purpose of adjusting the sum
assured to be payable on death.
The sum assured payable on death shall not be reduced except to the extent of the partial withdrawals made during the two-year period
immediately preceding the death of the life assured.
2. Following a Partial Withdrawal, the Policy continues to be in-force and all benefits under the product and conditions remain unaltered.
3. We will deduct any taxes and/or levies from payments if we are required to do so by the relevant authorities.

D. Settlement Option:
The Policyholder can avail of the settlement option, subject to following conditions:

1. The Insurer may provide settlement options on maturity or death.

2. During the settlement period, the investment risk in the investment portfolio will be borne by the Policyholder. The fund value will depend on the
performance of the funds selected by the Policyholder for investment.
3. The Policyholder have the option to take your fund value in lumpsum or in periodical instalments over a settlement period which may extend to a
maximum of 5 years from the date of maturity or death whichever is earlier
4. In the case of periodical instalments, the Policyholder shall be given a choice to decide the payout frequency and the settlement period at the time of
opting for the settlement option. The payout frequency and the settlement period once selected cannot be altered any time.
5. In case of maturity, the fund value should be greater than or equal to Rs 1 Lakh and the first instalment under settlement option shall be payable on
the date of maturity.
6. During the settlement period, units shall be redeemed periodically beginning from the settlement period as per the settlement period opted by the
Policyholder. The proportion of units redeemed per instalment and payable to the Policyholder shall be the number of units available at instalment
payout date divided by the number of outstanding instalments.
7. Switches may be allowed during the settlement period. Partial withdrawals shall not be allowed during the settlement period.
8. In case of settlement period after maturity, the risk cover shall be maintained at 105% of the total premiums paid. Accordingly, mortality charges will
be deducted. The death benefit shall be the higher of:
a. Total Fund value as on date of death
b. 105% of Total premiums paid
9. The Insurer may levy fund management charge, switching charge and mortality charges, if any, during the settlement period. The Insurer shall not
levy any other charges.
10. Complete withdrawal of the entire fund value may be allowed at any time, during the settlement period without levying any charge.
11. Any Fund Value remaining after 5 years from the beginning of the settlement period, shall be payable immediately.
12. No further benefits will be payable after this payment.

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You can choose all or a combination of the following 10 funds designed to meet your risk appetite

ASSET CLASS
Money Govern-
Market ment Se-
Equity and
Instruments, curities,
Equity
Cash Fixed RISK & RETURN
FUND SFIN DETAILS Related
Deposits*, Income RATING
Instru-
Liquid Instru-
ments
mutual ments &
funds# Bonds
FUND COMPOSITION
To gener-
ate long
ULIF053 term capital
Equity
01/08/ apprecia- 80% to
Plus 0% to 20% 0% to 20% Very High
13Equity tion in line or 100%
Fund
Plus101 better than
Nifty index
returns
To generate
long term
capital ap-
preciation
ULIF055
Diversified by invest-
01/08/ 60% to
Equity ing in high 0% to 40% 0% to 40% Very High
13Divr 100%
Fund potential
EqtyFd101
companies
across the
market cap
spectrum
Exposure to
ULIF0 large - cap
Blue Chip 3501/01/ equities 80% to
0% to 20% - Very High
Fund 10Blue & equity 100%
ChipFd101 related in-
struments
Exposure to
ULIF0 mid - cap
Oppor-
3601/01/ equities 80% to
tunities 0% to 20% - Very High
10Opprtn- & equity 100%
Fund
tyFd101 related in-
struments
Dynamic
Equity ex-
posure to
ULIF0
enhance
Balanced 3901/09/ 0% to 40% to Moderate
the returns 0% to 20%
Fund 10Balan 60% 80% to High
while the
cedFd101
debt allocation reduces
the volatility
of returns
Active al-
ULIF05
location
Bond 601/08/ 40% to
across all 0% to 60% - Moderate
Fund 13Bond 100%
fixed income
Funds101
instruments

Customized Life solution for Sir

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 ASSET CLASS
Money Govern-
Market ment Se-
Equity and
Instruments, curities,
Equity
Cash Fixed RISK & RETURN
FUND SFIN DETAILS Related
Deposits*, Income RATING
Instru-
Liquid Instru-
ments
mutual ments &
funds# Bonds
FUND COMPOSITION
Long term
capital growth
by investing predo-
minantly in mid-cap
companies. The fund
may invest
up to 25% of
the portfolio
in stocks outside
ULIF06 the midcap index
Discovery 618/01/ capitalisation 90% to
0% to 10% 0% to 10% Very high
Fund 18Discv range. Up to 100%
ryFnd101 10% of the
fund may be
invested in
Fixed income
instruments,
money market
instruments, cash,
deposits and
Liquid mutual
funds.
Long term
capital growth
through diversified
investments
in companies across
the market
ULIF0 capitalisation
Equity 6723/03/ spectrum. Up to
80% to
Advantage 18Eqty 20% of the 0% to 20% 0% to 20% Very high
100%
Fund Advt fund may be
Fd101 invested in
Fixed income
instruments,
money market
instruments, cash,
deposits and
Liquid mutual funds.
To generate
superior long
term returns
through
ULIF0
investment
Flexi Cap 7114/07/ 80% to
in equities of 0% to 20% 0% to 20% Very high
Fund 23Flexi 100%
companies
CapFd101
in the large,
mid and
small cap
segments

Customized Life solution for Sir

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 ASSET CLASS
Money Govern-
Market ment Se-
Equity and
Instruments, curities,
Equity
Cash Fixed RISK & RETURN
FUND SFIN DETAILS Related
Deposits*, Income RATING
Instru-
Liquid Instru-
ments
mutual ments &
funds# Bonds
FUND COMPOSITION
To generate
long-term
capital
appreciation
from a mix of
equity & debt
investments
and make
dynamic
SFIN:ULIF0 asset
Dynamic
8028/02/ allocation 50% to
Advantage 0% to 50% 0% to 50% Moderate
25Dynam choices 100%
Fund
icFnd101 between
equities and
bonds to
capture the
strategic
opportunities
in markets
based on
relative
valuations.

^^ Jensen's alpha, is a measure of the excess returns earned by the portfolio, given its level of risk.
*Investment in Deposits will be in line with the IRDAI regulations and guidelines. The current limit for investment in Deposits is 0 - 5%.

#Investment in Mutual Funds will be made as per Mutual Fund limits prescribed by IRDAI regulations and guidelines. As per (IRDAI (Actuarial, Finance and
Investment Functions of Insurers) Regulations, 2024 Master Circular), the Investment limit in Mutual Funds is 5% of Investment assets. This will apply at overall
level and at SFIN level, the maximum exposure shall not exceed 15%.

The asset allocation for the Discontinued Policy Fund (SFIN: ULIF05110/03/11DiscontdPF101) shall be as per the prevailing regulatory requirements. Currently,
the asset allocation is as follows:

i. Money Market Instruments: 0% to 100%

ii. Government securities: 60% to 100%

You can access the value of policy wise units held by you, through a secured login, as per the format D02 prescribed under IRDAI (Actuarial, Finance and
Investment Functions of Insurers) Regulations, 2024.

For risk factors please refer Terms & Conditions section below.

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HDFC Life Sanchay Par Advantage
The Policyholder may surrender the policy during the Policy Term.

The policy shall acquire a Guaranteed Surrender Value (GSV) upon the payment of first two years' premiums,irrespective of premium paying term.
The Surrender Value shall be the higher of:

a. Guaranteed Surrender Value (GSV); or

b. Special Surrender Value (SSV)

Plus, any accrued survival benefit, if not paid earlier plus interim survival benefit. where,GSV = Max (applicable GSV factor * Total premiums paid - Survival
benefits applicable till date, 0) Special Surrender Value (SSV) shall become payable after completion of first policy year provided one full year premium has been
received.

SSV = SSV shall be at least equal to the expected present value of the

paid-up sum assured on all contingencies covered and

paid-up future benefits (such as income benefits), if any, and
accrued/vested benefits, duly allowing for survival benefits already paid, if any
For details on GSV percentage, please refer to the product brochure.
On payment of the Surrender Benefit, the policy will terminate and no more benefits will be payable.

Terms and Conditions

"This proposal is designed for combination of benefits of two or more individual and separate products named HDFC Life Sanchay Par Advantage (UIN: 101N136V04) and HDFC Life Sampoorn Nivesh Plus (UIN: 101L180V01).
The customer has the choice of purchasing any one or more products as per his /her need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the insurer and
presented in this proposed product combination. The customer is expected to ask questions, understand and satisfy himself/ herself that the combination meets his/her specific needs better before deciding to purchase the
suggested combination. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual
products mentioned herein"

The combined illustration has been proposed by HDFC Life Insurance Company Limited to help you understand the benefits of HDFC Life Sanchay Par Advantage (UIN: 101N136V04) and HDFC Life Sampoorn Nivesh Plus
(UIN: 101L180V01). The values shown are for illustration only. What you actually receive will depend on what happens over the future lifetime of your policy, particularly investment returns. The Illustration shows what you could
get back using two assumed rates of investment return. Whilst future investment returns would significantly influence policy benefits, other factors such as charges and taxes also have an impact on your benefits. Guaranteed
benefits are available provided all premiums are paid, when they are due. The illustrative benefits as mentioned, assume that all premiums that are due, have been paid. The assumed investment returns of 4% and 8% per
annum are not future bonus rates. Future bonus rates depend on the actual investment returns and other factors including but not limited to the effects of taxation, persistency, mortality experience etc. These assumed rates of
return are not guaranteed and they are not 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.

For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. HDFC Life Sanchay Par Advantage (UIN: 101N136V04) is an Individual Non-Linked
Participating Savings Life Insurance Plan offered by HDFC Life and HDFC Life Sampoorn Nivesh Plus (UIN: 101L180V01) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan offered by HDFC Life.

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with
capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.

Customized Life solution for Sir

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I, _____________________________________________ (Customer's Name), confirm that I have understood the above referred terms and conditions and have
read the disclaimers pertaining to this combo product. I understand that this is an illustration of a proposed combination of the products - HDFC Life Sanchay Par
Advantage (UIN: 101N136V04) and HDFC Life Sampoorn Nivesh Plus (UIN: 101L180V01) and these products can be purchased individually. I will refer to the
detailed sales brochure of the individual products mentioned herein, in case I need to understand anything further.

Financial Consultant/ Sales Person's Signature: Customer's Signature:

Financial Consultant/ Sales Person's Name: Date:

Agency Code: Place:

HDFC Life Insurance Company Limited ("HDFC Life"). CIN: L65110MH2000PLC128245. IRDAI Registration No. 101.
Registered Office: 13th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai - 400 011.
Email: service@hdfclife.com, Tel.No:022-6844-6530 (Local charges apply). Website: www.hdfclife.com
The name/letter "HDFC" in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) belongs to HDFC Bank Limited and is used by HDFC Life under licence from HDFC Bank
Limited.
HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand, HDFC Life Sanchay Par Advantage (UIN: 101N136V04) is an
Individual Non-Linked Participating Savings Life Insurance Plan offered by HDFC Life and HDFC Life Sampoorn Nivesh Plus (UIN: 101L180V01) is a Unit Linked Non-Participating Individual
Life Insurance Savings Plan offered by HDFC Life. HDFC Life Waiver of Premium Rider - Non Linked 101B032V02 is a Non-Linked, Non-Participating, Pure Risk Premium, Individual Life /
Health rider HDFC Life Protect Plus Rider - Linked 101B016V01 is a Linked, Non-Participating, Pure Risk Premium, Individual Life/Health rider. 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".
Linked insurance products are different from the traditional insurance products and are subject to the risk factors
The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on
the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions. Life cover is available in both these products.
The name of the company, name of the brand and names of the products does not in any way indicate the quality of the contract or combination, its future prospects or returns. Please know the
associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document. The various funds offered under this contract are the names of the funds and do
not in any way indicate the quality of these plans, their future prospects and returns. {{if chnl== "HDFC Bank"}}ARN:QK/11/24/17969{{/if}}{{if chnl== "HDFC
Securities"}}ARN:PP/01/25/20643{{/if}}.

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS

IRDAI or its officials do not involve in any activities of insurance business like selling insurance.
policies, announcing bonus or investment of premiums,refund of amounts.
Policyholders or the prospects receiving such phone calls are requested to lodge a police complaint.

Customized Life solution for Sir

Presented by: DEEPALI SAINI My Mix ID: 00266651NS1124529116 dated: 28-Aug-2025

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