31-05-2024

Quote No : qc7wq57rtc8ki

Benefit Illustration for HDFC Life Smart Protect Plan

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC
Life Smart Protect Plan

DETAILS
Age is taken as on last birthday Proposal No:
Name of the Prospect/Policyholder: SMART INVESTOR Name of Product: HDFC Life Smart Protect Plan
A Unit Linked Non-Participating Individual
Age: 29 years* Tag Line:
Life Insurance Plan
Name of Life Assured: SMART INVESTOR Unique Identification No: 101L175V02
Age: 29 years* GST Rate: 18%*
Gender: M Investment Strategy opted for: 100% Equity oriented
Basic Sum Assured (at inception) (Rs.): Rs.20000000
Policy Term & Premium Payment Term: 40 year(s) & 12 year(s)
Plan Option: Level Cover
Amount of Instalment Premium (Rs.) : Rs.200000
Mode of payment of Premium: Annual
Level Cover Period(yrs) (for Decreasing
Cover and Decreasing Cover with Capital
Guarantee):

Funds opted for along with their risk level(For Level Cover and Decreasing Cover Plan Option)
Fund Risk Level Fund SFIN Fund Allocation (%)

Diversified Equity Fund Very High ULIF05501/08/13DivrEqtyFd101 0

Bond Fund Moderate ULIF05601/08/13Bond Funds101 0
Discovery Fund Very High ULIF06618/01/18DiscvryFnd101 0

Equity Advantage Fund Very High ULIF06723/03/18EqtyAdvtFd101 0

Sustainable Equity Fund Very High ULIF07019/07/21SustnblEqF101 0
Flexi Cap Fund Very High ULIF07114/07/23FlexiCapFd101 100
Midcap Momentum Fund High ULIF07317/01/24MidCpMoIdx101 0

Rider Details
Rider Name Rider UIN Rider PPT Rider PT Rider Sum Assured Rs.
Income Benefit on Accidental Disability Rider 101B013V03 12 Years 40 Years 20000000

HDFC Life Protect Plus rider - Accidental Death Cover 101B016V01 144 Months 480 Months 10000000

Premium Summary
Total
PP Rider
Base Plan CI Rider IB Rider PP Rider (PAC) PP Rider (ADC) Instalment
(CC)
Premium

Instalment Premium without GST 2,00,000 0 10841 0 10545 0 2,21,386

Instalment Premium with GST 2,00,000 0 12792 0 12443 0 2,25,235

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 and taxes, 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% p.a. and 4% p.a. 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 and 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.
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 illustration 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 dependanton a number of factors including future investment performance.
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 Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intermediary
Charges Year Charges Year
(Rs)

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)
1 2,00,000 16,118 26,209 7,619 1,56,464 1,49,384 2,00,00,000 16,116 26,255 7,627 1,62,825 1,55,745 2,00,00,000 70,000

2 2,00,000 16,330 16,541 5,917 3,30,855 3,24,955 2,00,00,000 16,320 16,725 5,948 3,50,699 3,44,799 2,00,00,000 1,000

1/4
 At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intermediary
Charges Year Charges Year
(Rs)
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

3 2,00,000 16,644 14,989 5,694 5,13,811 5,09,091 2,00,00,000 16,618 15,413 5,766 5,55,049 5,50,329 2,00,00,000 1,000

4 2,00,000 17,090 15,521 5,870 7,02,961 7,00,601 2,00,00,000 17,041 16,296 6,001 7,74,251 7,71,891 2,00,00,000 1,000
5 2,00,000 17,632 18,149 6,441 8,95,997 8,95,997 2,00,00,000 17,550 19,399 6,651 10,06,833 10,06,833 2,00,00,000 1,000

6 2,00,000 18,320 20,784 7,039 10,92,758 10,92,758 2,00,00,000 18,191 22,642 7,350 12,53,270 12,53,270 2,00,00,000 1,000

7 2,00,000 19,114 23,469 7,665 12,93,207 12,93,207 2,00,00,000 18,922 26,077 8,100 15,14,323 15,14,323 2,00,00,000 1,000
8 2,00,000 20,056 26,204 8,327 14,97,253 14,97,253 2,00,00,000 19,781 29,716 8,909 17,90,755 17,90,755 2,00,00,000 1,000

9 2,00,000 21,124 28,986 9,020 17,04,831 17,04,831 2,00,00,000 20,740 33,568 9,775 20,83,414 20,83,414 2,00,00,000 1,000

10 2,00,000 22,344 31,816 9,749 19,63,842 19,15,842 2,00,00,000 21,821 37,646 10,704 24,41,170 23,93,170 2,00,00,000 1,000
11 2,00,000 23,622 35,550 10,651 22,36,010 22,09,323 2,00,00,000 22,920 42,837 11,836 28,29,250 28,02,564 2,00,00,000 1,000

12 2,00,000 25,047 39,264 11,576 25,05,317 24,86,594 2,00,00,000 24,114 48,249 13,025 32,32,715 32,13,995 2,00,00,000 1,000
13 0 26,954 40,199 12,088 25,70,612 25,55,837 2,00,00,000 25,730 51,080 13,826 34,43,626 34,28,857 2,00,00,000 0

14 0 29,132 41,079 12,638 26,23,744 26,20,896 2,00,00,000 27,551 54,015 14,682 36,54,458 36,51,619 2,00,00,000 0

15 0 31,624 41,791 13,215 26,76,247 26,73,308 2,00,00,000 29,605 56,948 15,580 38,77,097 38,74,175 2,00,00,000 0
16 0 34,486 42,493 13,856 27,27,958 27,24,905 2,00,00,000 31,927 60,045 16,555 41,12,235 41,09,206 2,00,00,000 0

17 0 37,815 43,182 14,579 27,78,514 27,75,329 2,00,00,000 34,584 63,315 17,622 43,60,431 43,57,282 2,00,00,000 0
18 0 41,682 43,852 15,396 28,27,546 28,24,203 2,00,00,000 37,615 66,765 18,788 46,22,317 46,19,026 2,00,00,000 0

19 0 46,186 44,497 16,323 28,74,507 28,70,987 2,00,00,000 41,074 70,405 20,066 48,98,436 48,94,987 2,00,00,000 0

20 0 51,413 45,109 17,374 29,18,795 29,15,072 2,00,00,000 44,995 74,240 21,462 51,89,371 51,85,745 2,00,00,000 0

21 0 57,406 45,679 18,555 29,59,551 29,55,619 2,00,00,000 49,363 78,279 22,975 54,95,547 54,91,744 2,00,00,000 0

22 0 64,192 46,195 19,870 29,96,038 29,91,869 2,00,00,000 54,143 82,528 24,601 58,17,615 58,13,616 2,00,00,000 0
23 0 71,760 46,652 21,314 30,28,195 30,23,709 2,00,00,000 59,255 87,001 26,326 61,57,038 61,52,774 2,00,00,000 0

24 0 80,008 47,047 22,870 30,55,656 30,50,807 2,00,00,000 64,542 91,718 28,127 65,15,118 65,10,553 2,00,00,000 0

25 0 88,871 47,377 24,525 30,78,210 30,72,946 2,00,00,000 69,871 96,698 29,982 68,93,454 68,88,551 2,00,00,000 0

26 0 98,211 47,640 26,253 30,95,919 30,90,179 2,00,00,000 75,052 1,01,965 31,863 72,94,053 72,88,768 2,00,00,000 0

27 0 1,07,916 47,839 28,036 31,09,177 31,02,883 2,00,00,000 79,915 1,07,550 33,744 77,19,393 77,13,671 2,00,00,000 0

28 0 1,17,875 47,982 29,854 31,18,665 31,11,727 2,00,00,000 84,293 1,13,490 35,601 81,72,392 81,66,172 2,00,00,000 0
29 0 1,28,048 48,080 31,703 31,25,324 31,17,636 2,00,00,000 88,070 1,19,827 37,421 86,56,405 86,49,616 2,00,00,000 0

30 0 1,38,416 48,146 33,581 31,30,319 31,21,760 2,00,00,000 91,134 1,26,609 39,194 91,75,202 91,67,770 2,00,00,000 0

31 0 1,48,780 48,557 35,521 31,93,181 31,78,845 2,00,00,000 93,198 1,34,205 40,932 97,83,886 97,71,664 2,00,00,000 0

32 0 1,59,150 49,453 37,549 32,65,710 32,49,678 2,00,00,000 94,095 1,42,789 42,639 1,04,44,526 1,04,31,130 2,00,00,000 0

33 0 1,69,864 50,494 39,664 33,50,092 33,32,168 2,00,00,000 93,912 1,52,114 44,285 1,11,62,734 1,11,48,086 2,00,00,000 0
34 0 1,81,110 51,705 41,907 34,48,034 34,28,046 2,00,00,000 92,531 1,62,257 45,862 1,19,44,134 1,19,28,193 2,00,00,000 0

35 0 1,93,068 53,106 44,311 35,60,867 35,38,663 2,00,00,000 89,758 1,73,295 47,350 1,27,94,528 1,27,77,289 2,00,00,000 0

36 0 2,05,965 54,712 46,922 36,89,268 36,64,727 2,00,00,000 85,337 1,85,309 48,716 1,37,19,812 1,37,01,317 2,00,00,000 0

37 0 2,20,003 56,528 49,776 38,33,346 38,06,377 2,00,00,000 78,887 1,98,380 49,908 1,47,26,191 1,47,06,526 2,00,00,000 0

38 0 2,35,387 58,551 52,909 39,92,632 39,63,170 2,00,00,000 69,896 2,12,597 50,849 1,58,20,371 1,57,99,662 2,00,00,000 0

39 0 2,52,311 60,773 56,355 41,66,292 41,34,286 2,00,00,000 57,688 2,28,057 51,434 1,70,09,943 1,69,88,349 2,00,00,000 0
40 0 2,70,951 63,180 60,144 57,46,586 43,18,607 2,00,00,000 41,381 2,44,871 51,525 2,17,08,882 1,82,81,416 2,17,08,882 0

*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, VAMSI KRISHNA BAYYARAPU, have explained the premiums, charges and benefits I, SMART INVESTOR ,having received the information with respect to the above, have
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 Date: Signature of Prospect / Policyholder

PART B
Gross
8% p.a Net Yield 7.58% Amount in Rupees
Yield

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

(PAC) (AP)-(PAC)

1 2,00,000 24,000 1,76,000 16,116 7,627 0 0 0 0 1,63,041 2,255 1,62,825 1,55,745 2,00,00,000

2 2,00,000 12,000 1,88,000 16,320 5,948 0 0 0 0 3,51,165 4,725 3,50,699 3,44,799 2,00,00,000

3 2,00,000 8,000 1,92,000 16,618 5,766 0 0 0 0 5,55,786 7,413 5,55,049 5,50,329 2,00,00,000
4 2,00,000 6,000 1,94,000 17,041 6,001 0 0 0 0 7,75,279 10,296 7,74,251 7,71,891 2,00,00,000

5 2,00,000 0 2,00,000 17,550 6,651 6,000 0 0 0 10,08,171 13,399 10,06,833 10,06,833 2,00,00,000

2/4
 Gross
8% p.a Net Yield 7.58% Amount in Rupees
Yield

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

6 2,00,000 0 2,00,000 18,191 7,350 6,000 0 0 0 12,54,935 16,642 12,53,270 12,53,270 2,00,00,000

7 2,00,000 0 2,00,000 18,922 8,100 6,000 0 0 0 15,16,335 20,077 15,14,323 15,14,323 2,00,00,000

8 2,00,000 0 2,00,000 19,781 8,909 6,000 0 0 0 17,93,134 23,716 17,90,755 17,90,755 2,00,00,000

9 2,00,000 0 2,00,000 20,740 9,775 6,000 0 0 0 20,86,181 27,568 20,83,414 20,83,414 2,00,00,000

10 2,00,000 0 2,00,000 21,821 10,704 6,000 0 0 48,000 23,96,350 31,646 24,41,170 23,93,170 2,00,00,000
11 2,00,000 0 2,00,000 22,920 11,836 6,000 0 0 56,232 28,06,287 36,837 28,29,250 28,02,564 2,00,00,000

12 2,00,000 0 2,00,000 24,114 13,025 6,000 0 0 48,639 32,18,265 42,249 32,32,715 32,13,995 2,00,00,000

13 0 0 0 25,730 13,826 6,000 0 0 45,237 34,33,413 45,080 34,43,626 34,28,857 2,00,00,000

14 0 0 0 27,551 14,682 6,000 0 0 34,082 36,56,471 48,015 36,54,458 36,51,619 2,00,00,000

15 0 0 0 29,605 15,580 6,000 0 0 35,099 38,79,322 50,948 38,77,097 38,74,175 2,00,00,000

16 0 0 0 31,927 16,555 6,000 0 0 36,382 41,14,666 54,045 41,12,235 41,09,206 2,00,00,000

17 0 0 0 34,584 17,622 6,000 0 0 37,843 43,63,071 57,315 43,60,431 43,57,282 2,00,00,000

18 0 0 0 37,615 18,788 6,000 0 0 39,562 46,25,163 60,765 46,22,317 46,19,026 2,00,00,000

19 0 0 0 41,074 20,066 6,000 0 0 41,481 49,01,491 64,405 48,98,436 48,94,987 2,00,00,000

20 0 0 0 44,995 21,462 6,000 0 0 43,642 51,92,634 68,240 51,89,371 51,85,745 2,00,00,000

21 0 0 0 49,363 22,975 6,000 0 0 45,840 54,99,040 72,279 54,95,547 54,91,744 2,00,00,000

22 0 0 0 54,143 24,601 6,000 0 0 48,228 58,21,340 76,528 58,17,615 58,13,616 2,00,00,000

23 0 0 0 59,255 26,326 6,000 0 0 51,461 61,60,948 81,001 61,57,038 61,52,774 2,00,00,000

24 0 0 0 64,542 28,127 6,000 0 0 55,103 65,19,203 85,718 65,15,118 65,10,553 2,00,00,000

25 0 0 0 69,871 29,982 6,000 0 0 59,211 68,97,703 90,698 68,93,454 68,88,551 2,00,00,000

26 0 0 0 75,052 31,863 6,000 0 0 63,853 72,98,451 95,965 72,94,053 72,88,768 2,00,00,000

27 0 0 0 79,915 33,744 6,000 0 0 69,168 77,23,919 1,01,550 77,19,393 77,13,671 2,00,00,000

28 0 0 0 84,293 35,601 6,000 0 0 75,230 81,77,021 1,07,490 81,72,392 81,66,172 2,00,00,000

29 0 0 0 88,070 37,421 6,000 0 0 82,147 86,61,108 1,13,827 86,56,405 86,49,616 2,00,00,000

30 0 0 0 91,134 39,194 6,000 0 0 89,990 91,79,950 1,20,609 91,75,202 91,67,770 2,00,00,000

31 0 0 0 93,198 40,932 6,000 0 0 1,48,088 97,84,646 1,28,205 97,83,886 97,71,664 2,00,00,000

32 0 0 0 94,095 42,639 6,000 0 0 1,62,428 1,04,44,988 1,36,789 1,04,44,526 1,04,31,130 2,00,00,000

33 0 0 0 93,912 44,285 6,000 0 0 1,77,766 1,11,62,897 1,46,114 1,11,62,734 1,11,48,086 2,00,00,000

34 0 0 0 92,531 45,862 6,000 0 0 1,93,625 1,19,44,040 1,56,257 1,19,44,134 1,19,28,193 2,00,00,000

35 0 0 0 89,758 47,350 6,000 0 0 2,09,613 1,27,94,265 1,67,295 1,27,94,528 1,27,77,289 2,00,00,000

36 0 0 0 85,337 48,716 6,000 0 0 2,25,155 1,37,19,520 1,79,309 1,37,19,812 1,37,01,317 2,00,00,000

37 0 0 0 78,887 49,908 6,000 0 0 2,39,745 1,47,26,064 1,92,380 1,47,26,191 1,47,06,526 2,00,00,000

38 0 0 0 69,896 50,849 6,000 0 0 2,52,880 1,58,20,653 2,06,597 1,58,20,371 1,57,99,662 2,00,00,000

39 0 0 0 57,688 51,434 6,000 0 0 2,64,209 1,70,10,919 2,22,057 1,70,09,943 1,69,88,349 2,00,00,000

40 0 0 0 41,381 51,525 6,000 0 0 36,78,575 1,83,05,704 2,38,871 2,17,08,882 1,82,81,416 2,17,08,882

Gross
4% p.a Amount in Rupees
Yield
Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge

(PAC) (AP)-(PAC)
1 2,00,000 24,000 1,76,000 16,118 7,619 0 0 0 0 1,56,672 2,209 1,56,464 1,49,384 2,00,00,000

2 2,00,000 12,000 1,88,000 16,330 5,917 0 0 0 0 3,31,294 4,541 3,30,855 3,24,955 2,00,00,000
3 2,00,000 8,000 1,92,000 16,644 5,694 0 0 0 0 5,14,494 6,989 5,13,811 5,09,091 2,00,00,000
4 2,00,000 6,000 1,94,000 17,090 5,870 0 0 0 0 7,03,895 9,521 7,02,961 7,00,601 2,00,00,000

5 2,00,000 0 2,00,000 17,632 6,441 6,000 0 0 0 8,97,187 12,149 8,95,997 8,95,997 2,00,00,000
6 2,00,000 0 2,00,000 18,320 7,039 6,000 0 0 0 10,94,210 14,784 10,92,758 10,92,758 2,00,00,000

7 2,00,000 0 2,00,000 19,114 7,665 6,000 0 0 0 12,94,925 17,469 12,93,207 12,93,207 2,00,00,000
8 2,00,000 0 2,00,000 20,056 8,327 6,000 0 0 0 14,99,242 20,204 14,97,253 14,97,253 2,00,00,000

9 2,00,000 0 2,00,000 21,124 9,020 6,000 0 0 0 17,07,096 22,986 17,04,831 17,04,831 2,00,00,000
10 2,00,000 0 2,00,000 22,344 9,749 6,000 0 0 48,000 19,18,387 25,816 19,63,842 19,15,842 2,00,00,000
11 2,00,000 0 2,00,000 23,622 10,651 6,000 0 0 56,236 22,12,258 29,550 22,36,010 22,09,323 2,00,00,000

12 2,00,000 0 2,00,000 25,047 11,576 6,000 0 0 48,660 24,89,898 33,264 25,05,317 24,86,594 2,00,00,000
13 0 0 0 26,954 12,088 6,000 0 0 45,287 25,59,233 34,199 25,70,612 25,55,837 2,00,00,000

14 0 0 0 29,132 12,638 6,000 0 0 34,179 26,24,378 35,079 26,23,744 26,20,896 2,00,00,000

15 0 0 0 31,624 13,215 6,000 0 0 35,264 26,76,860 35,791 26,76,247 26,73,308 2,00,00,000
16 0 0 0 34,486 13,856 6,000 0 0 36,640 27,28,525 36,493 27,27,958 27,24,905 2,00,00,000

17 0 0 0 37,815 14,579 6,000 0 0 38,227 27,79,016 37,182 27,78,514 27,75,329 2,00,00,000

3/4
 Gross
4% p.a Amount in Rupees
Yield
Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge
(PAC) (AP)-(PAC)
18 0 0 0 41,682 15,396 6,000 0 0 40,113 28,27,955 37,852 28,27,546 28,24,203 2,00,00,000

19 0 0 0 46,186 16,323 6,000 0 0 42,247 28,74,802 38,497 28,74,507 28,70,987 2,00,00,000

20 0 0 0 51,413 17,374 6,000 0 0 44,688 29,18,945 39,109 29,18,795 29,15,072 2,00,00,000

21 0 0 0 57,406 18,555 6,000 0 0 47,245 29,59,545 39,679 29,59,551 29,55,619 2,00,00,000

22 0 0 0 64,192 19,870 6,000 0 0 50,095 29,95,844 40,195 29,96,038 29,91,869 2,00,00,000

23 0 0 0 71,760 21,314 6,000 0 0 53,908 30,27,726 40,652 30,28,195 30,23,709 2,00,00,000

24 0 0 0 80,008 22,870 6,000 0 0 58,264 30,54,860 41,047 30,55,656 30,50,807 2,00,00,000
25 0 0 0 88,871 24,525 6,000 0 0 63,248 30,77,029 41,377 30,78,210 30,72,946 2,00,00,000

26 0 0 0 98,211 26,253 6,000 0 0 68,971 30,94,285 41,640 30,95,919 30,90,179 2,00,00,000

27 0 0 0 1,07,916 28,036 6,000 0 0 75,629 31,07,006 41,839 31,09,177 31,02,883 2,00,00,000

28 0 0 0 1,17,875 29,854 6,000 0 0 83,364 31,15,861 41,982 31,18,665 31,11,727 2,00,00,000

29 0 0 0 1,28,048 31,703 6,000 0 0 92,372 31,21,778 42,080 31,25,324 31,17,636 2,00,00,000
30 0 0 0 1,38,416 33,581 6,000 0 0 1,02,827 31,25,907 42,146 31,30,319 31,21,760 2,00,00,000

31 0 0 0 1,48,780 35,521 6,000 0 0 1,72,217 31,83,068 42,557 31,93,181 31,78,845 2,00,00,000

32 0 0 0 1,59,150 37,549 6,000 0 0 1,92,576 32,53,995 43,453 32,65,710 32,49,678 2,00,00,000

33 0 0 0 1,69,864 39,664 6,000 0 0 2,15,280 33,36,595 44,494 33,50,092 33,32,168 2,00,00,000

34 0 0 0 1,81,110 41,907 6,000 0 0 2,40,024 34,32,601 45,705 34,48,034 34,28,046 2,00,00,000
35 0 0 0 1,93,068 44,311 6,000 0 0 2,66,614 35,43,364 47,106 35,60,867 35,38,663 2,00,00,000

36 0 0 0 2,05,965 46,922 6,000 0 0 2,94,633 36,69,596 48,712 36,89,268 36,64,727 2,00,00,000

37 0 0 0 2,20,003 49,776 6,000 0 0 3,23,749 38,11,434 50,528 38,33,346 38,06,377 2,00,00,000

38 0 0 0 2,35,387 52,909 6,000 0 0 3,53,625 39,68,436 52,551 39,92,632 39,63,170 2,00,00,000

39 0 0 0 2,52,311 56,355 6,000 0 0 3,84,145 41,39,778 54,773 41,66,292 41,34,286 2,00,00,000
40 0 0 0 2,70,951 60,144 6,000 0 0 18,08,627 43,24,344 57,180 57,46,586 43,18,607 2,00,00,000

*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. For Decreasing Cover and Decreasing Cover with Capital Guarantee plan options, riders will be available during Level cover period only.
4. 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.
5. #Additions to the Fund refers to the periodic additions through a) Return of 2X to 3X Mortality Charges, b) Return of 2X Premium Allocation Charges c) Return of Fund
Management Charge, and d) Return of 2X Investment Guarantee Charge (if applicable), as per terms and conditions.
6. For Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options, the maturity benefit will be higher of Fund Value at Maturity and Assured
Benefit, where Assured Benefit is the Total Premiums Paid Less Total Partial Withdrawals made (if any).

I, VAMSI KRISHNA BAYYARAPU, have explained the premiums, charges and benefits I, SMART INVESTOR ,having received the information with respect to the above, have
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 Date: Signature of Prospect / Policyholder

Channel Name : Agency

HDFC Life Insurance Company Limited (IRDAI Reg. No. 101) (CIN: L65110MH2000PLC128245)
Registered and Corporate Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, Mahalaxmi, Mumbai-400011
Trade logo displayed above belongs to HDFC Life Insurance Company Limited under a license.

For more information, Call the HDFC Life Insurance Company Limited Helpline number 1860-267-9999 (local charges apply) 022-68446530 (STD charges apply) or Visit us at:
www.hdfclife.com

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