In this policy, the investment risk in the investment portfolio is borne by the policyholder.

The Linked Insurance products do not offer any liquidity during the first five years of the
contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

Plan today to prepare for

a better tomorrow

C2I-N-Sanchay
 My Life, My Needs
Mr. Gopal, there are milestone and aspirations that you set out for yourself and your family. These milestone could be
your responsibilities which cannot be compromised or building a financially secure tomorrow for your loved ones.

Here is a solution which provides:

 Guaranteed lumpsum amount at maturity to ensure that you fulfil your non negotiable responsibilities
 Potential to earn higher benefit from market upside

My Plan

You get maturity at the end of 15 years,

` 25,70,847* at an assumed rate of return @8%; or
` 20,28,928* at an assumed rate of return @4%
You pay ` 2,44,617** annually for just 5 years (of the above amount ` 12,03,338* is Guaranteed)

31 35 45
yrs yrs yrs

Life cover starts at ` 24,89,928* and grows every year to

reach ` 32,20,045* at an assumed rate of return @8% and
` 31,02,536* at an assumed rate of return @4%

My Benefits

 Get opportunity to invest in equity for upside with capital protection

 Just pay ` 2,44,617** for 5 years

 On Maturity at age 45, receive ` 25,70,8477* at an assumed rate of return @8% or ` 20,28,928* at an assumed
rate of return @4% (of this amount ` 12,03,338* is guaranteed to protect your capital investment)

 Your minimum life cover starts at ` 24,89,928* and grows every year to reach ` 32,20,045* at an assumed rate of
return @8% and ` 31,02,536* at an assumed rate of return @4%

 Tax benefits are available as per the prevailing tax laws, subject to conditions / limits specified. #

My Commitments, My Pride

Mr. Gopal, Be the responsible provider for your family, without sacrificing the precious milestones..
Sign up to this solution which provides for guaranteed returns at maturity along with the potential of upside by
investing part of your premium in market linked funds.

# The tax benefits are subject to changes in the tax laws. Please consult your tax consultant for detailed understanding of the tax benefits.
**Annual Premium is exclusive of tax and other levies as applicable.
* Provided the policy is inforce and all due premiums are paid.
My Product Mix

Total Total
Premium Annual ** Basic
Policy Term Annual Premium Annual Premium
Product Name Payment Term Premium Sum Assured
(years) with tax with tax (Second year
(`) (`) (`)
(First year) (`) onwards) (`)
HDFC Life Sanchay Plan
15 5 1,19,617 1,25,000 1,22,308 5,46,972
(UIN: 101N097V06)
HDFC Life Click2Invest - ULIP 15 5 1,25,000 1,25,000 1,25,000 12,50,000
(UIN: 101L100V02)
Total 2,50,000 2,47,308 17,96,972

Fund Opted For

Product Name Fund Name Fund Allocation (%)

HDFC Life Click 2 Invest - ULIP

Equity Plus Fund 50

Diversified Equity Fund 50

Illustration

Family Protection (Benefits on Death) Fund Value (end of year)

Non Guaranteed Non Guaranteed
Total Protection2 Total Protection2 Scenario2 Scenario2
Policy Annual** Cumulative Scenario @ 4% Scenario @ 8% @ 4% assumed @ 8% assumed
Age
Year Premium Premium Guaranteed* assumed rate of assumed rate of Guaranteed* rate of Return rate of Return
retur retur
1 31 2,44,617 2,44,617 24,89,928 24,89,928 24,89,928 0 1,26,490 1,31,383
2 32 2,44,617 4,89,234 25,33,686 25,33,686 25,33,686 0 2,56,083 2,71,170
3 33 2,44,617 7,33,851 25,77,443 25,77,443 25,77,443 0 3,88,859 4,19,904
4 34 2,44,617 9,78,468 26,21,201 26,21,201 26,21,201 0 5,24,902 5,78,170
5 35 2,44,617 12,23,085 26,64,959 26,64,959 26,64,959 0 6,64,306 7,46,596
6 36 0 12,23,085 27,08,717 27,08,717 27,08,717 0 6,79,019 7,92,779
7 37 0 12,23,085 27,52,474 27,52,474 27,52,474 0 6,94,043 8,41,901
8 38 0 12,23,085 27,96,232 27,96,232 27,96,232 0 7,09,380 8,94,155
9 39 0 12,23,085 28,39,990 28,39,990 28,39,990 0 7,25,032 9,49,751
10 40 0 12,23,085 28,83,748 28,83,748 28,83,748 0 7,41,000 10,08,916
11 41 0 12,23,085 29,27,505 29,27,505 29,27,505 0 7,57,285 10,71,899
12 42 0 12,23,085 29,71,263 29,71,263 29,71,263 0 7,73,887 11,38,967
13 43 0 12,23,085 30,15,021 30,15,021 30,15,021 0 7,90,807 12,10,415
14 44 0 12,23,085 30,58,779 30,58,779 30,95,326 0 8,08,041 12,86,547
15 45 0 12,23,085 31,02,536 31,02,536 32,20,045 12,03,338 20,28,928 25,70,847
Total 12,23,085
*Please refer official quotes & illustration for detailed schedule of charges in conjugation with the illustrative values above
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of the
underlying funds. If your policy offers guaranteed returns then these will be clearly marked "guaranteed" in the
illustration table on previous page. If your policy offers variable returns then the illustrations on previous 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 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 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.
** Annual Premium is exclusive of tax and other levies as applicable.
All amounts are in Indian Rupees.
All Premiums are to be paid on or before due date.
*Provided the policy is inforce and all due premiums are paid.
The above benefits contain guaranteed and non-guaranteed items. Please refer to the disclaimer on page 5.

Charges

Charge Details
Premium Allocation Charge -

Fund Management Charge 1.35% p.a. of the fund value, charged daily.
Policy Administration Charge -
Mortality Charge The amount of the charge taken each month depends on your age and level of cover.

Discontinuance of Premiums
Also, once the policy is discontinued, the risk cover will cease and the fund value (as on date of discontinuance) will be
moved to the ‘Discontinued Policy Fund’. Once the fund value is moved to the “Discontinued Policy Fund”, a Fund
Management Charge of 0.50% p.a. will be levied for amounts in the ‘Discontinued Policy Fund’ and no other charge will
be levied.
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: There are 4 free partial withdrawals in each policy year. Subsequent partial
withdrawals, 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. This will be levied on the unit fund at the time of part withdrawal of the fund
during the contract period.
• Switching charge: There are 4 free switches in each policy year. Subsequent switches, 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. 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.
• Premium Redirection: 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.
All the above charges except for Mortality charge are subject to revision upto the maximum allowable as per applicable
regulation with prior approval of IRDA.
Other Features
Surrender Value: Although we recommend that you pay your premiums regularly to receive all benefits under your
policy, if you wish to surrender your policy, the surrender value payable will depend on the year you surrender your
policy.
If you surrender before completion of the 5 years from commencement of the policy, your fund value less
discontinuance charges will be moved to the 'Discontinued Policy Fund’. The amount allocated to the 'Discontinued
Policy Fund', with accrued interest, will be paid out on completion of the lock-in period.
If you surrender after completion of the 5 years from commencement of the policy, fund value at the time of surrender
will be paid out immediately. After payment of the surrender benefit your policy will terminate and no other benefits
will be payable.

Settlement Option: The policyholder has the option to take the Unit Fund Value in periodical installments over a period
which may extend to 5 years subject to any terms and conditions we may specify from time to time. These terms will
include a minimum installment amount. The risk cover ceases and the Fund continues to be invested during this period.
Investment risk continues to be borne by the Policyholder. The only charge levied on the fund during the settlement
period is the Fund Management Charge. The policyholder will be unable to exercise any partial withdrawals or switches
during the settlement period. The policyholder may anytime during the settlement period withdraw the entire Fund
Value. Any Unit Fund Value remaining after 5 years from the maturity date will be payable immediately.

Fund options available

You can choose all or a combination of the following funds

ASSET CLASS
Money Government
Market Securities, Risk &
Fund Sfin Details Instruments, Fixed Income Equity Return
Cash & Instruments Rating
Deposits & Bonds

Fund Composition

Equity Plus ULIF05301/ To generate long termcapital 0% to 20% 0% to 20% 80% to 100% Very
Fund 08/13Equity appreciation in line or better High
Plus101 than Nifty index returns

Diversified ULIF05501/ To generate long term capital 0% to 40% 0% to 20% 60% to 100% Very
Equity 08/13Divr appreciation by investing in high High
Fund EqtyFd101 potential companies across the
market cap spectrum

Blue Chip ULIF03501/ Exposure to large –cap equities & 0% to 20% - 80% to 100% Very
Fund 01/10Blue equity related instruments High
ChipFd101

Opportunities ULIF03601/ Exposure to mid –cap equities 0% to 20% - 80% to 100% Very
Fund 01/10Opprt & equity related instruments High
ntyFd101
 Balanced ULIF03901/ Dynamic Equity exposure to 0% to 20% 0% to 60% 40% to 80% Moderate
Fund 09 /10Balan enhance the returns while the to High
cedFd101 Debt allocation reduces the
volatility of returns

Income Fund ULIF03401/ Higher potential returns due to Moderate

0% to 20% 80% to100% -
01/10Income higher duration and credit
Fund101
exposure

Bond Fund ULIF05601/ Active allocation 0% to 60% 40% to100% - Moderate

08/13Bond across all fixed income
Funds101 instruments

Conservative ULIF05801/ To invest in high grade fixed 0% to 60% 40% to100% - Low
Fund 08 /13Cons income instruments and
ertvFd101 government securities at the
short end of the yield curve, to
deliver stable returns

Sanchay

Surrender Value: The policy will acquire a Guaranteed Surrender Value (GSV) provided first 2 years’ premiums have
been paid. The surrender value shall be higher of the Guaranteed Surrender Value (“GSV”) and the Special Surrender
Value ("SSV"). On payment of the Surrender Benefit, the policy will terminate and no more benefits will be payable.
For details of the above benefits, please read the sales literature provided.