24-03-2022

Quote No : b2sf1lbfbis

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: Name of the Product: HDFC Life Sanchay Par Advantage
Age: 53 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured:
Unique Identification No: 101N136V02
Age: 53
GST Rate: 4.5% for first year
Policy Term 40 year(s)
2.25% second year onwards
Premium Payment Term: 12 year(s)
Amount of Installment Premium(Without GST): 100000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: 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 Option Immediate Income Sum Assured on Maturity Rs. 12,00,000

Sum Assured on Death (at inception of

Bonus Type Cash Bonus 12,00,000
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 1,00,000 0 0 0 0 0 1,00,000

Instalment Premium with First Year GST 1,04,500 0 0 0 0 0 1,04,500

Instalment Premium with GST 2nd Year

1,02,250 0 0 0 0 0 1,02,250
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 12,00,000 0 0 20,500 0 0 35,000 0 0 0 12,00,000 12,00,000 0 0

2 1,00,000 0 0 60,000 12,00,000 0 0 20,500 10,000 0 35,000 23,000 0 0 12,00,000 12,00,000 70,000 83,000

3 1,00,000 0 0 1,05,000 12,00,000 0 0 20,500 15,000 0 35,000 37,000 0 0 12,00,000 12,00,000 1,20,000 1,42,000

4 1,00,000 0 0 2,00,000 12,00,000 0 0 20,500 20,000 0 35,000 20,000 0 0 12,00,000 12,00,000 2,20,000 2,20,000

5 1,00,000 0 0 2,50,000 12,00,000 0 0 20,500 25,000 0 35,000 41,000 0 0 12,00,000 12,00,000 2,75,000 2,91,000

6 1,00,000 0 0 3,00,000 12,00,000 0 0 20,500 30,000 0 35,000 81,000 0 0 12,00,000 12,00,000 3,30,000 3,81,000
7 1,00,000 0 0 3,50,000 12,00,000 0 0 20,500 73,000 0 35,000 1,35,000 0 0 12,00,000 12,00,000 4,23,000 4,85,000

8 1,00,000 0 0 4,64,000 12,00,000 0 0 20,500 67,000 0 35,000 1,39,000 0 0 12,00,000 12,00,000 5,31,000 6,03,000
9 1,00,000 0 0 5,85,000 12,00,000 0 0 20,500 66,000 0 35,000 1,52,000 0 0 12,00,000 12,00,000 6,51,000 7,37,000

10 1,00,000 0 0 7,30,000 12,00,000 0 0 20,500 57,000 0 35,000 1,59,000 0 0 12,00,000 12,00,000 7,87,000 8,89,000
11 1,00,000 0 0 8,80,000 12,00,000 0 0 20,500 1,10,000 0 35,000 1,81,000 0 0 12,00,000 12,00,000 9,90,000 10,61,000

12 1,00,000 0 0 10,80,000 12,60,000 0 0 20,500 24,000 0 35,000 1,75,000 0 0 12,60,000 12,60,000 11,04,000 12,55,000
13 0 0 0 10,80,000 12,60,000 0 0 20,500 53,000 0 35,000 2,36,000 0 0 12,60,000 12,60,000 11,33,000 13,16,000

14 0 0 0 10,80,000 12,60,000 0 0 20,500 82,000 0 35,000 2,99,000 0 0 12,60,000 12,60,000 11,62,000 13,79,000
15 0 0 0 10,80,000 12,60,000 0 0 20,500 1,11,000 0 35,000 3,65,000 0 0 12,60,000 12,60,000 11,91,000 14,45,000

16 0 0 0 10,80,000 12,60,000 0 0 20,500 1,90,000 0 35,000 4,86,000 0 0 12,60,000 12,60,000 12,70,000 15,66,000
17 0 0 0 10,80,000 12,60,000 0 0 20,500 2,19,000 0 35,000 5,59,000 0 0 12,60,000 12,60,000 12,99,000 16,39,000
18 0 0 0 10,80,000 12,60,000 0 0 20,500 2,49,000 0 35,000 6,35,000 0 0 12,60,000 12,60,000 13,29,000 17,15,000

19 0 0 0 10,80,000 12,60,000 0 0 20,500 2,79,000 0 35,000 7,15,000 0 0 12,60,000 12,60,000 13,59,000 17,95,000
20 0 0 0 10,80,000 12,60,000 0 0 20,500 3,09,000 0 35,000 8,00,000 0 0 12,60,000 12,60,000 13,89,000 18,80,000

21 0 0 0 10,80,000 12,60,000 0 0 20,500 3,39,000 0 35,000 8,89,000 0 0 12,60,000 12,60,000 14,19,000 19,69,000
22 0 0 0 10,80,000 12,60,000 0 0 20,500 3,69,000 0 35,000 9,82,000 0 0 12,60,000 12,92,000 14,49,000 20,62,000

23 0 0 0 10,80,000 12,60,000 0 0 20,500 3,99,000 0 35,000 10,80,000 0 0 12,60,000 13,55,000 14,79,000 21,60,000
24 0 0 0 10,80,000 12,60,000 0 0 20,500 4,30,000 0 35,000 11,83,000 0 0 12,60,000 14,23,000 15,10,000 22,63,000

25 0 0 0 10,80,000 12,60,000 0 0 20,500 4,60,000 0 35,000 12,91,000 0 0 12,60,000 14,96,000 15,40,000 23,71,000
26 0 0 0 10,80,000 12,60,000 0 0 20,500 4,90,000 0 35,000 14,04,000 0 0 12,60,000 15,75,000 15,70,000 24,84,000

27 0 0 0 10,80,000 12,60,000 0 0 20,500 5,20,000 0 35,000 15,24,000 0 0 12,60,000 16,60,000 16,00,000 26,04,000
28 0 0 0 10,80,000 12,60,000 0 0 20,500 5,50,000 0 35,000 16,50,000 0 0 12,60,000 17,51,000 16,30,000 27,30,000

29 0 0 0 10,80,000 12,60,000 0 0 20,500 5,81,000 0 35,000 17,83,000 0 0 12,60,000 18,49,000 16,61,000 28,63,000
30 0 0 0 10,80,000 12,60,000 0 0 20,500 6,11,000 0 35,000 19,24,000 0 0 12,60,000 19,55,000 16,91,000 30,04,000

31 0 0 0 10,80,000 12,60,000 0 0 20,500 6,42,000 0 35,000 20,68,000 0 0 12,60,000 20,69,000 17,22,000 31,48,000
32 0 0 0 10,80,000 12,60,000 0 0 20,500 6,72,000 0 35,000 21,91,000 0 0 12,60,000 21,92,000 17,52,000 32,71,000
33 0 0 0 10,80,000 12,60,000 0 0 20,500 7,03,000 0 35,000 23,24,000 0 0 12,60,000 23,24,000 17,83,000 34,04,000

34 0 0 0 10,80,000 12,60,000 0 0 20,500 7,35,000 0 35,000 24,66,000 0 0 12,60,000 24,67,000 18,15,000 35,46,000
35 0 0 0 10,80,000 12,60,000 0 0 20,500 7,67,000 0 35,000 26,20,000 0 0 12,60,000 26,21,000 18,47,000 37,00,000

36 0 0 0 10,80,000 12,60,000 0 0 20,500 8,00,000 0 35,000 27,85,000 0 0 12,60,000 27,86,000 18,80,000 38,65,000
37 0 0 0 10,80,000 12,60,000 0 0 20,500 8,35,000 0 35,000 29,64,000 0 0 12,60,000 29,65,000 19,15,000 40,44,000

38 0 0 0 10,80,000 12,60,000 0 0 20,500 8,71,000 0 35,000 31,56,000 0 0 12,60,000 31,57,000 19,51,000 42,36,000
39 0 0 0 10,80,000 12,60,000 0 0 20,500 9,10,000 0 35,000 33,63,000 0 0 12,60,000 33,64,000 19,90,000 44,43,000

40 0 0 0 0 12,60,000 12,00,000 0 20,500 0 0 35,000 0 12,65,000 35,13,000 12,76,000 37,76,000 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 ,having received the information with respect to the above, have understood the
prospect / policy holder. 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".