14-11-2024

Quote No : cghujxqpwwt

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 policy

Name of the Prospect /Policy holder: Customer Proposal No:

Age: 45 Name of the Product: HDFC Life Sanchay Par Advantage
Name of the Life Assured: Customer A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Age: 45
Unique Identification No: 101N136V04
Policy Term 40 year(s)
GST Rate: 4.5%* for first year
Premium Payment Term: 12 year(s)
2.25%* second year onwards
Amount of Installment Premium: 50000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
Timing of Payment of Survival Benefit: Advance

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. 6,00,000
Sum Assured on Death (at inception of the
Bonus Type Cash Bonus 6,00,000
policy) Rs.

Premium Summary
Total
Base CI IB
PP Rider (PAC) PP Rider (ADC) HPR Rider (CCI) HPR Rider (CC) WOP Rider Installment
Plan Rider Rider
Premium
Instalment
Premium without 50000 0 0 0 0 0 0 0 50000
GST
Instalment
Premium with 52250 0 0 0 0 0 0 0 52250
First Year GST
Instalment
Premium with
51125 0 0 0 0 0 0 0 51125
GST 2nd Year
Onwards

1/3
 (Amounts in Rupees.)
Total Benefits
Guaranteed Benefits Non Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a. including Guaranteed and Non-
Guaranteed Benefits
Guaranteed Guaranteed Total Total
Single / Total Total
Policy Surrender Surrender Death Death
Annualized Surrender Surrender Maturity Maturity
Year Value Value Benefit Benefit
Premium Special Value Special Value Benefit, Benefit,
Survival Surrender Death Maturity Cash (Net of Cash (Net of incl of incl of
GA RB Surrender Payable RB Surrender Payable incl TB, incl TB,
Benefit Benefit Benefit Benefit Bonus Cash Bonus Cash TB, if TB, if
Value# (Higher of Value# (Higher of if any, if any, @
Bonus Bonus any, @ any, @
10 & 11) 15 & 16) @ 4% 8%
already already 4% 8%
(7+TB) (7+TB)
paid) paid) (6+TB) (6+TB)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21
1 50,000 0 0 0 6,00,000 0 0 10,693 0 5,364 5,364 0 16,835 0 5,364 5,364 0 0 6,00,000 6,00,000
2 50,000 0 0 30,000 6,00,000 0 0 10,693 8,615 12,908 12,908 0 16,835 0 11,408 11,408 0 0 6,00,000 6,00,000
3 50,000 0 0 52,500 6,00,000 0 0 10,693 20,423 29,188 29,188 0 16,835 1,995 22,688 22,688 0 0 6,00,000 6,00,000
4 50,000 0 0 1,00,000 6,00,000 0 0 10,693 57,230 49,260 57,230 0 16,835 32,660 40,260 40,260 0 0 6,00,000 6,00,000

5 50,000 0 0 1,25,000 6,00,000 0 0 10,693 71,538 73,683 73,683 0 16,835 40,825 62,683 62,683 0 0 6,00,000 6,00,000
6 50,000 0 0 1,50,000 6,00,000 0 0 10,693 85,845 1,02,517 1,02,517 0 16,835 48,990 89,517 89,517 0 0 6,00,000 6,00,000
7 50,000 0 0 1,75,000 6,00,000 0 0 10,693 1,00,153 1,36,321 1,36,321 0 16,835 57,155 1,21,821 1,21,821 0 0 6,00,000 6,00,000
8 50,000 0 0 2,32,000 6,00,000 0 0 10,693 1,46,460 1,75,162 1,75,162 0 16,835 97,320 1,60,662 1,60,662 0 0 6,00,000 6,00,000
9 50,000 0 0 2,92,500 6,00,000 0 0 10,693 1,96,268 2,19,109 2,19,109 0 16,835 1,40,985 2,05,609 2,05,609 0 0 6,00,000 6,00,000
10 50,000 0 0 3,65,000 6,00,000 0 0 10,693 2,58,075 2,68,740 2,68,740 0 16,835 1,96,650 2,58,240 2,58,240 0 0 6,00,000 6,00,000
11 50,000 0 0 4,40,000 6,00,000 0 0 10,693 3,22,383 3,24,641 3,24,641 0 16,835 2,54,815 3,18,641 3,18,641 0 0 6,00,000 6,00,000
12 50,000 0 0 5,40,000 6,30,000 0 0 10,693 4,11,690 3,86,262 4,11,690 0 16,835 3,37,980 3,88,762 3,88,762 0 0 6,30,000 6,30,000
13 0 0 0 5,40,000 6,30,000 0 0 10,693 4,00,998 4,11,555 4,11,555 0 16,835 3,21,145 4,24,055 4,24,055 0 0 6,30,000 6,30,000
14 0 0 0 5,40,000 6,30,000 0 0 10,693 3,90,305 4,15,697 4,15,697 0 16,835 3,04,310 4,38,697 4,38,697 0 0 6,30,000 6,30,000

15 0 0 0 5,40,000 6,30,000 0 0 10,693 3,79,613 4,20,220 4,20,220 0 16,835 2,87,475 4,54,220 4,54,220 0 0 6,30,000 6,30,000
16 0 0 0 5,40,000 6,30,000 0 0 10,693 3,68,920 4,24,155 4,24,155 0 16,835 2,70,640 4,71,155 4,71,155 0 0 6,30,000 6,30,000
17 0 0 0 5,40,000 6,30,000 0 0 10,693 3,58,228 4,28,533 4,28,533 0 16,835 2,53,805 4,89,533 4,89,533 0 0 6,30,000 6,30,000
18 0 0 0 5,40,000 6,30,000 0 0 10,693 3,47,535 4,33,386 4,33,386 0 16,835 2,36,970 5,09,386 5,09,386 0 0 6,30,000 6,30,000
19 0 0 0 5,40,000 6,30,000 0 0 10,693 3,36,843 4,37,743 4,37,743 0 16,835 2,20,135 5,30,743 5,30,743 0 0 6,30,000 6,30,000
20 0 0 0 5,40,000 6,30,000 0 0 10,693 3,26,150 4,42,635 4,42,635 0 16,835 2,03,300 5,54,135 5,54,135 0 0 6,30,000 6,30,000
21 0 0 0 5,40,000 6,30,000 0 0 10,693 3,15,458 4,47,592 4,47,592 0 16,835 1,86,465 5,79,092 5,79,092 0 0 6,30,000 6,30,000
22 0 0 0 5,40,000 6,30,000 0 0 10,693 3,04,765 4,52,643 4,52,643 0 16,835 1,69,630 6,05,643 6,05,643 0 0 6,30,000 6,30,000
23 0 0 0 5,40,000 6,30,000 0 0 10,693 2,94,073 4,57,821 4,57,821 0 16,835 1,52,795 6,34,821 6,34,821 0 0 6,30,000 6,34,821
24 0 0 0 5,40,000 6,30,000 0 0 10,693 2,83,380 4,63,160 4,63,160 0 16,835 1,35,960 6,65,660 6,65,660 0 0 6,30,000 6,65,660
25 0 0 0 5,40,000 6,30,000 0 0 10,693 2,72,688 4,68,700 4,68,700 0 16,835 1,19,125 6,98,700 6,98,700 0 0 6,30,000 6,98,700
26 0 0 0 5,40,000 6,30,000 0 0 10,693 2,61,995 4,73,986 4,73,986 0 16,835 1,02,290 7,34,486 7,34,486 0 0 6,30,000 7,34,486
27 0 0 0 5,40,000 6,30,000 0 0 10,693 2,51,303 4,79,569 4,79,569 0 16,835 85,455 7,73,069 7,73,069 0 0 6,30,000 7,73,069
28 0 0 0 5,40,000 6,30,000 0 0 10,693 2,40,610 4,85,514 4,85,514 0 16,835 68,620 8,14,014 8,14,014 0 0 6,30,000 8,14,014

29 0 0 0 5,40,000 6,30,000 0 0 10,693 2,29,918 4,91,396 4,91,396 0 16,835 51,785 8,58,396 8,58,396 0 0 6,30,000 8,58,396
30 0 0 0 5,40,000 6,30,000 0 0 10,693 2,19,225 4,97,305 4,97,305 0 16,835 34,950 9,06,305 9,06,305 0 0 6,30,000 9,06,305
31 0 0 0 5,40,000 6,30,000 0 0 10,693 2,08,533 5,03,854 5,03,854 0 16,835 18,115 9,57,854 9,57,854 0 0 6,30,000 9,57,854
32 0 0 0 5,40,000 6,30,000 0 0 10,693 1,97,840 5,10,180 5,10,180 0 16,835 1,280 10,13,180 10,13,180 0 0 6,30,000 10,13,180
33 0 0 0 5,40,000 6,30,000 0 0 10,693 1,87,148 5,16,949 5,16,949 0 16,835 0 10,72,949 10,72,949 0 0 6,30,000 10,72,949
34 0 0 0 5,40,000 6,30,000 0 0 10,693 1,76,455 5,23,874 5,23,874 0 16,835 0 11,36,874 11,36,874 0 0 6,30,000 11,36,874
35 0 0 0 5,40,000 6,30,000 0 0 10,693 1,65,763 5,31,217 5,31,217 0 16,835 0 12,06,217 12,06,217 0 0 6,30,000 12,06,217
36 0 0 0 5,40,000 6,30,000 0 0 10,693 1,55,070 5,39,308 5,39,308 0 16,835 0 12,80,808 12,80,808 0 0 6,30,000 12,80,808
37 0 0 0 5,40,000 6,30,000 0 0 10,693 1,44,378 5,47,567 5,47,567 0 16,835 0 13,61,067 13,61,067 0 0 6,30,000 13,61,067
38 0 0 0 5,40,000 6,30,000 0 0 10,693 1,33,685 5,56,527 5,56,527 0 16,835 0 14,48,027 14,48,027 0 0 6,30,000 14,48,027
39 0 0 0 5,40,000 6,30,000 0 0 10,693 1,22,993 5,66,375 5,66,375 0 16,835 0 15,42,375 15,42,375 0 0 6,30,000 15,42,375
40 0 0 0 0 6,30,000 6,00,000 0 10,693 0 0 0 0 16,835 0 0 0 6,34,000 18,18,000 6,34,000 18,18,000

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. When Timing of Payment of Survival Benefit is "Arrear", the survival benefits shown above are payable at the end of the Mode of Payment of Survival Benefit.

When Timing of Payment of Survival Benefit is chosen as "Advance", the survival benefit shown above are payable at the beginning of the Mode of Payment of Survival Benefit. 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
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 maturity benefit shown above is payable at the end of the Policy Term. Upon payment of maturity benefit, the policy terminates and no further benefits become payable.
6. The Premium and the Sum Assured on Maturity stated above is based on the information provided. They may vary as a result of underwriting.
7. 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.
8. RB - Reversionary Bonus, TB - Terminal Bonus, GA - Guaranteed Additions
# Special Surrender Value is subject to change incase of change in G-Sec yields

2/3
I , have explained the premiums and benefits under the product fully to the prospect / policy I Customer ,having received the information with respect to the above, have understood the
holder. above statement before entering into the contract.

Place:

Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder

3/3