14-01-2017

Q uote No : q8dbjrhym i5k 8

This is the sample illustration issued by HDFC Standard Life Insurance Company Limited.
Illustration for HDFC Life Personal Pension Plus
on 14 January 2017
PERSONAL DETAILS
Nam e
Life 1

Age

RAHUL VIJAY GARAD

Gender

32

Age is taken as on last birthday

POLICY DETAILS
Date of Policy Com m encem ent:
Policy Term :
Prem ium Paying Term :
Prem ium Frequency:

14-Jan-2017
23 year(s)
23 year(s)
Monthly

PREMIUM AND BENEFIT DETAILS

Sum A ssured
(in Rs.)

Benefit Name
Personal Pension Plus

4,71,121

Benefit Term
(years)

Premium Paying Term

(years)

23

23

Premium
(in Rs.)

Taxes as applicable*#
(in Rs.)

2,000

Total Premium
75

2,075

Total Prem ium payable per Frequency:

2,000
75
2,075
Since premium frequency of your policy is monthly, premiums for first 3 months are payable at the time of proposal login.In case of Unit Linked policies, the
allocation of units for the advance premiums paid will be done on the due dates of those premiums and at the Unit Prices applicable on those dates. Total
amount Payable at the time of login is Rs. 6,225/Nex t Prem ium Due Date:
14-Apr-2017
* General Sales Tax (GST) in case of Jam m u and Kashm ir and Service Tax and other levies in all other cases.
#The Service Tax & other levies on the Main Benefit prem ium for year two and subsequent years will be Rs.38/-

ILLUSTRATION OF FUTURE BENEFITS

This illustration has been produced by HDFC Standard Life Insurance C ompany Limited to help you understand the benefits of your HDFC Life Personal
Pension Plus. These illustrations must be read in conjunction with the sales literature, which describes the features of this product.
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. These rates have been specified by the Life
Insurance C ouncil.
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy
offers guaranteed returns then these will be clearly marked "guaranteed" in the illustration table on this page.
If your policy offers variable returns then the illustrations on this page will show two different rates of assumed investment returns. 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.
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.
Guaranteed benefits are available provided all premiums are paid, when they are due. The illustrative benefits below assume that all premiums that are due
have been paid. The guaranteed benefits shown increase as reversionary bonuses are declared. The Rate of future revisionary bonuses is not guaranteed
All amounts are in Indian Rupees.
Illustrative Benefits on Vesting
On the survival of the Life Assured until the Vesting date, the illustrative Vesting benefits are as shown below.
Guaranteed Benefit
Date of Vesting
14-Jan-2040

Personal Pension Plus

5,57,520

Non-Guaranteed Benefit

Total Vesting Benefit

Assumed Investment Return

Assumed Investment Return

4% p.a.
1,86,297

8% p.a.
6,75,333

4% p.a.
7,43,817

8% p.a.
12,32,853

Upon this payment, the policy terminates and no further benefit becomes payable.
On Vesting, you may be required by legislation to use all or part of your Total Vesting Benefit to purchase an annuity.
We have shown annuity amounts calculated using our current pricing assumptions and interest rates consistent with overall investment returns of 4% and 8%
p.a.
The amount of annuity available to you will also depend on the type of annuity you select and the proportion of your Total Vesting Benefit used to buy the
annuity. Both these factors can change in the future, particularly as a result of legislation.
Assumed Investment Return
Annuity Payable (per annum ) based on Total Vesting Benefit given above

4% p.a

8% p.a

32,304

98,641

The annuity amounts above would be payable annually in arrears from the vesting date, as long as the Life Assured is still alive. No other benefit would be
payable. We have assumed you have chosen to use 100% of your Total Vesting Benefit to buy an annuity.
We have shown annuity amounts to give you an indication of the amount of annuity you may be able to purchase. In practice this amount will depend on the
annuity rates available at that time. which will depend on factors like long term interest rates, prevailing tax rules, assesment of longetivity, etc. To that extent
there is a risk that the targetted annuity rate will not be the same as illustrated above.

Illustrative Benefits on Death

On the death of the Life Assured before the Maturity date the illustrative benefits are as shown below.
Guaranteed Death Benefits
Benefit on Valid Claim
Policy Year

Non-Guaranteed Benefit

Total Death Benefit

Assumed Investment Return

Assumed Investment Return

4% p.a

8% p.a

4% p.a

8% p.a

24,240

7,067

16,489

31,307

48,480

14,134

32,978

62,614

81,458

72,720

21,200

49,468

93,920

1,22,188

96,960

28,267

65,957

1,25,227

1,62,917

1,21,200

35,334

82,446

1,56,534

2,03,646

1,45,440

42,401

98,935

1,87,841

2,44,375

1,69,680

49,468

1,15,425

2,19,148

2,85,105

1,93,920

56,535

1,31,914

2,50,455

3,25,834

2,18,160

63,601

1,48,403

2,81,761

3,66,563

10

2,42,400

70,668

1,64,892

3,13,068

4,07,292

11

2,66,640

77,735

1,81,382

3,44,375

4,48,022

12

2,90,880

84,802

1,97,871

3,75,682

4,88,751

13

3,15,120

91,869

2,14,360

4,06,989

5,29,480

14

3,39,360

98,935

2,30,849

4,38,295

5,70,209

15

3,63,600

1,06,002

2,47,339

4,69,602

6,10,939

16

3,87,840

1,13,069

2,63,828

5,00,909

6,51,668

17

4,12,080

1,20,136

2,80,317

5,32,216

6,92,397

18

4,36,320

1,27,203

2,96,806

5,63,523

7,33,126

19

4,60,560

1,34,269

3,13,295

5,94,829

7,73,855

20

4,84,800

1,41,336

3,29,785

6,26,136

8,14,585

21

5,09,040

1,48,403

3,46,274

6,57,443

8,55,314

22

5,33,280

1,55,470

3,62,763

6,88,750

8,96,043

Upon this payment, the policy terminates and no further benefit is payable.
The benefits shown above are at the end of the year.

40,729

Illustrative Benefits on Surrender

This contract is designed for long term savings and is not designed for short term investment. Should you need to surrender your policy in the short term, any
surrender benefits may be less than the premium(s) you have paid.
A policy may be surrendered after it acquires a guaranteed surrender value. Hence, Surrender Values are shown from year 3 onwards.
Upon surrender, you may be required by legislation to utilise all or part of your surrender benefit to purchase an annuity from us
Guaranteed Benefit
Policy Year

Guaranteed Surrender Value

Non-Guaranteed Benefit

Total Surrender Benefit

Assumed Investment Return

Assumed Investment Return

4% p.a.

8% p.a.

4% p.a.

8% p.a.

21,600

2,608

10,888

24,208

32,488

48,000

596

1,392

48,596

49,392

60,000

855

1,995

60,855

61,995

72,000

1,183

6,486

73,183

78,486

84,000

1,588

13,519

85,588

97,519

1,01,126

2,086

17,571

1,03,213

1,18,697

1,19,513

2,697

22,673

1,22,209

1,42,186

10

1,39,200

3,449

29,063

1,42,649

1,68,263

11

1,60,169

4,361

36,959

1,64,530

1,97,128

12

1,82,390

5,470

46,634

1,87,860

2,29,024

13

2,05,920

6,817

58,339

2,12,737

2,64,259

14

2,30,731

8,439

72,334

2,39,170

3,03,066

15

2,56,788

10,399

89,055

2,67,187

3,45,843

16

2,84,160

12,754

1,08,698

2,96,914

3,92,858

17

3,12,814

18,454

1,31,751

3,31,268

4,44,564

18

3,42,706

30,811

1,58,556

3,73,516

5,01,262

19

3,73,920

45,997

1,89,611

4,19,917

5,63,531

20

4,06,416

64,309

2,25,301

4,70,725

6,31,717

21

4,40,143

86,286

2,66,329

5,26,429

7,06,472

22

4,75,200

1,12,118

3,12,985

5,87,318

7,88,185

Upon this payment, the policy terminates and no further benefit becomes payable.
The values shown are for illustration only.
What you actually receive will depend on what happens over the future lifetime of the policy.
Depending on the prevailing market conditions, the surrender value may be revised.
Benefits shown above are at the end of the year.
If you would like help to understand this illustration, please speak to your Financial Consultant / Relationship Manager.
TERMS AND CONDITIONS
1. The Premium and the Sum Assured stated above is based on the information provided.
2. For details of the above benefits, please read the sales literature provided.
3. Any statutory levy or charges (such as Taxes include service tax and other levies as applicable) including any indirect tax may be charged to the
Policyholder either now or in future by the C ompany 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.
4. UIN for HDFC Life Personal Pension Plus - 101N091V02

I____________________________________ , (Name) have

explained the above illustration and the terms and conditions of this
product to the policyholder.
Intermediary's Signature :
Date :
Place :

I____________________________________ , (Name) having received the

information with respect to the above, have understood the above illustration
before entering the contract.
Proposer's Signature / Thumb Impression :