10-11-2024

Quote No : cga6xbxtlbv

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: B Proposal No:

Age: 45 Name of the Product: HDFC Life Sanchay Par Advantage
Name of the Life Assured: B A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Age: 45
Unique Identification No: 101N136V04
Policy Term 55 year(s)
GST Rate: 4.5%* for first year
Premium Payment Term: 12 year(s)
2.25%* second year onwards
Amount of Installment Premium: 100000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
Timing of Payment of Survival Benefit: Arrear

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 the
Bonus Type Cash Bonus 12,00,000
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 100000 0 0 0 0 0 0 0 100000
GST
Instalment
Premium with 104500 0 0 0 0 0 0 0 104500
First Year GST
Instalment
Premium with
102250 0 0 0 0 0 0 0 102250
GST 2nd Year
Onwards

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 (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
Single / Total Total
Policy Surrender Surrender Total Death
Annualized Surrender Surrender Maturity Death
Year Value Value Maturity Benefit
Premium Special Value Special Value Benefit, Benefit
Survival Surrender Death Maturity Cash (Net of Cash (Net of Benefit, incl of
GA RB Surrender Payable RB Surrender Payable incl TB, incl of TB,
Benefit Benefit Benefit Benefit Bonus Cash Bonus Cash incl TB, if TB, if
Value# (Higher of Value# (Higher of if any, @ if any, @
Bonus Bonus any, @ 8% any, @
10 & 11) 15 & 16) 4% 8%
already already (7+TB) 4%
(7+TB) (6+TB)
paid) paid) (6+TB)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21

1 1,00,000 0 0 0 12,00,000 0 0 23,500 0 9,524 9,524 0 37,000 0 9,524 9,524 0 0 12,00,000 12,00,000
2 1,00,000 0 0 60,000 12,00,000 0 0 23,500 13,000 24,217 24,217 0 37,000 0 20,217 20,217 0 0 12,00,000 12,00,000

3 1,00,000 0 0 1,05,000 12,00,000 0 0 23,500 34,500 56,167 56,167 0 37,000 0 43,167 43,167 0 0 12,00,000 12,00,000
4 1,00,000 0 0 2,00,000 12,00,000 0 0 23,500 1,06,000 96,460 1,06,000 0 37,000 52,000 78,460 78,460 0 0 12,00,000 12,00,000

5 1,00,000 0 0 2,50,000 12,00,000 0 0 23,500 1,32,500 1,44,185 1,44,185 0 37,000 65,000 1,22,185 1,22,185 0 0 12,00,000 12,00,000
6 1,00,000 0 0 3,00,000 12,00,000 0 0 23,500 1,59,000 2,01,425 2,01,425 0 37,000 78,000 1,75,425 1,75,425 0 0 12,00,000 12,00,000

7 1,00,000 0 0 3,50,000 12,00,000 0 0 23,500 1,85,500 2,68,267 2,68,267 0 37,000 91,000 2,40,267 2,40,267 0 0 12,00,000 12,00,000
8 1,00,000 0 0 4,64,000 12,00,000 0 0 23,500 2,76,000 3,44,798 3,44,798 0 37,000 1,68,000 3,16,798 3,16,798 0 0 12,00,000 12,00,000

9 1,00,000 0 0 5,85,000 12,00,000 0 0 23,500 3,73,500 4,33,111 4,33,111 0 37,000 2,52,000 4,06,111 4,06,111 0 0 12,00,000 12,00,000

10 1,00,000 0 0 7,30,000 12,00,000 0 0 23,500 4,95,000 5,31,308 5,31,308 0 37,000 3,60,000 5,11,308 5,11,308 0 0 12,00,000 12,00,000
11 1,00,000 0 0 8,80,000 12,00,000 0 0 23,500 6,21,500 6,42,503 6,42,503 0 37,000 4,73,000 6,32,503 6,32,503 0 0 12,00,000 12,00,000
12 1,00,000 0 0 10,80,000 12,60,000 0 0 23,500 7,98,000 7,65,529 7,98,000 0 37,000 6,36,000 7,72,529 7,72,529 0 0 12,60,000 12,60,000
13 0 0 0 10,80,000 12,60,000 0 0 23,500 7,74,500 8,18,283 8,18,283 0 37,000 5,99,000 8,44,283 8,44,283 0 0 12,60,000 12,60,000

14 0 0 0 10,80,000 12,60,000 0 0 23,500 7,51,000 8,26,483 8,26,483 0 37,000 5,62,000 8,75,483 8,75,483 0 0 12,60,000 12,60,000
15 0 0 0 10,80,000 12,60,000 0 0 23,500 7,27,500 8,35,165 8,35,165 0 37,000 5,25,000 9,08,165 9,08,165 0 0 12,60,000 12,60,000
16 0 0 0 10,80,000 12,60,000 0 0 23,500 7,04,000 8,44,367 8,44,367 0 37,000 4,88,000 9,43,367 9,43,367 0 0 12,60,000 12,60,000
17 0 0 0 10,80,000 12,60,000 0 0 23,500 6,80,500 8,54,119 8,54,119 0 37,000 4,51,000 9,82,119 9,82,119 0 0 12,60,000 12,60,000

18 0 0 0 10,80,000 12,60,000 0 0 23,500 6,57,000 8,64,449 8,64,449 0 37,000 4,14,000 10,23,449 10,23,449 0 0 12,60,000 12,60,000
19 0 0 0 10,80,000 12,60,000 0 0 23,500 6,33,500 8,74,381 8,74,381 0 37,000 3,77,000 10,69,381 10,69,381 0 0 12,60,000 12,60,000
20 0 0 0 10,80,000 12,60,000 0 0 23,500 6,10,000 8,84,927 8,84,927 0 37,000 3,40,000 11,17,927 11,17,927 0 0 12,60,000 12,60,000
21 0 0 0 10,80,000 12,60,000 0 0 23,500 5,86,500 8,95,096 8,95,096 0 37,000 3,03,000 11,70,096 11,70,096 0 0 12,60,000 12,60,000

22 0 0 0 10,80,000 12,60,000 0 0 23,500 5,63,000 9,05,891 9,05,891 0 37,000 2,66,000 12,25,891 12,25,891 0 0 12,60,000 12,60,000
23 0 0 0 10,80,000 12,60,000 0 0 23,500 5,39,500 9,17,306 9,17,306 0 37,000 2,29,000 12,87,306 12,87,306 0 0 12,60,000 12,87,306
24 0 0 0 10,80,000 12,60,000 0 0 23,500 5,16,000 9,29,331 9,29,331 0 37,000 1,92,000 13,52,331 13,52,331 0 0 12,60,000 13,52,331
25 0 0 0 10,80,000 12,60,000 0 0 23,500 4,92,500 9,40,953 9,40,953 0 37,000 1,55,000 14,21,953 14,21,953 0 0 12,60,000 14,21,953

26 0 0 0 10,80,000 12,60,000 0 0 23,500 4,69,000 9,54,154 9,54,154 0 37,000 1,18,000 14,98,154 14,98,154 0 0 12,60,000 14,98,154
27 0 0 0 10,80,000 12,60,000 0 0 23,500 4,45,500 9,66,912 9,66,912 0 37,000 81,000 15,78,912 15,78,912 0 0 12,60,000 15,78,912
28 0 0 0 10,80,000 12,60,000 0 0 23,500 4,22,000 9,80,204 9,80,204 0 37,000 44,000 16,66,204 16,66,204 0 0 12,60,000 16,66,204
29 0 0 0 10,80,000 12,60,000 0 0 23,500 3,98,500 9,94,002 9,94,002 0 37,000 7,000 17,61,002 17,61,002 0 0 12,60,000 17,61,002

30 0 0 0 10,80,000 12,60,000 0 0 23,500 3,75,000 10,08,277 10,08,277 0 37,000 0 18,62,277 18,62,277 0 0 12,60,000 18,62,277
31 0 0 0 10,80,000 12,60,000 0 0 23,500 3,51,500 10,22,997 10,22,997 0 37,000 0 19,70,997 19,70,997 0 0 12,60,000 19,70,997
32 0 0 0 10,80,000 12,60,000 0 0 23,500 3,28,000 10,39,129 10,39,129 0 37,000 0 20,88,129 20,88,129 0 0 12,60,000 20,88,129
33 0 0 0 10,80,000 12,60,000 0 0 23,500 3,04,500 10,55,633 10,55,633 0 37,000 0 22,14,633 22,14,633 0 0 12,60,000 22,14,633

34 0 0 0 10,80,000 12,60,000 0 0 23,500 2,81,000 10,72,475 10,72,475 0 37,000 0 23,50,475 23,50,475 0 0 12,60,000 23,50,475
35 0 0 0 10,80,000 12,60,000 0 0 23,500 2,57,500 10,89,615 10,89,615 0 37,000 0 24,96,615 24,96,615 0 0 12,60,000 24,96,615
36 0 0 0 10,80,000 12,60,000 0 0 23,500 2,34,000 11,08,013 11,08,013 0 37,000 0 26,55,013 26,55,013 0 0 12,60,000 26,55,013

37 0 0 0 10,80,000 12,60,000 0 0 23,500 2,10,500 11,26,632 11,26,632 0 37,000 0 28,24,632 28,24,632 0 0 12,60,000 28,24,632
38 0 0 0 10,80,000 12,60,000 0 0 23,500 1,87,000 11,46,433 11,46,433 0 37,000 0 30,06,433 30,06,433 0 0 12,60,000 30,06,433
39 0 0 0 10,80,000 12,60,000 0 0 23,500 1,63,500 11,66,382 11,66,382 0 37,000 0 32,03,382 32,03,382 0 0 12,60,000 32,03,382
40 0 0 0 10,80,000 12,60,000 0 0 23,500 1,40,000 11,86,451 11,86,451 0 37,000 0 34,15,451 34,15,451 0 0 12,60,000 34,15,451

41 0 0 0 10,80,000 12,60,000 0 0 23,500 1,16,500 12,06,618 12,06,618 0 37,000 0 36,42,618 36,42,618 0 0 12,60,000 36,42,618
42 0 0 0 10,80,000 12,60,000 0 0 23,500 93,000 12,27,877 12,27,877 0 37,000 0 38,88,877 38,88,877 0 0 12,60,000 38,88,877
43 0 0 0 10,80,000 12,60,000 0 0 23,500 69,500 12,49,237 12,49,237 0 37,000 0 41,53,237 41,53,237 0 0 12,60,000 41,53,237
44 0 0 0 10,80,000 12,60,000 0 0 23,500 46,000 12,71,738 12,71,738 0 37,000 0 44,37,738 44,37,738 0 0 12,71,738 44,37,738

45 0 0 0 10,80,000 12,60,000 0 0 23,500 22,500 12,94,452 12,94,452 0 37,000 0 47,43,452 47,43,452 0 0 12,94,452 47,43,452
46 0 0 0 10,80,000 12,60,000 0 0 23,500 0 13,17,505 13,17,505 0 37,000 0 50,74,505 50,74,505 0 0 13,17,505 50,74,505
47 0 0 0 10,80,000 12,60,000 0 0 23,500 0 13,41,097 13,41,097 0 37,000 0 54,30,097 54,30,097 0 0 13,41,097 54,30,097
48 0 0 0 10,80,000 12,60,000 0 0 23,500 0 13,65,544 13,65,544 0 37,000 0 58,12,544 58,12,544 0 0 13,65,544 58,12,544

49 0 0 0 10,80,000 12,60,000 0 0 23,500 0 13,91,314 13,91,314 0 37,000 0 62,25,314 62,25,314 0 0 13,91,314 62,25,314
50 0 0 0 10,80,000 12,60,000 0 0 23,500 0 14,16,142 14,16,142 0 37,000 0 66,70,142 66,70,142 0 0 14,16,142 66,70,142
51 0 0 0 10,80,000 12,60,000 0 0 23,500 0 14,43,110 14,43,110 0 37,000 0 71,50,110 71,50,110 0 0 14,43,110 71,50,110
52 0 0 0 10,80,000 12,60,000 0 0 23,500 0 14,70,901 14,70,901 0 37,000 0 76,66,901 76,66,901 0 0 14,70,901 76,66,901

53 0 0 0 10,80,000 12,60,000 0 0 23,500 0 14,99,132 14,99,132 0 37,000 0 82,25,132 82,25,132 0 0 14,99,132 82,25,132
54 0 0 0 10,80,000 12,60,000 0 0 23,500 0 15,29,939 15,29,939 0 37,000 0 88,25,939 88,25,939 0 0 15,29,939 88,25,939
55 0 0 0 0 12,60,000 12,00,000 0 23,500 0 0 0 0 37,000 0 0 0 17,20,000 1,05,11,000 17,20,000 1,05,11,000

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.

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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

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

Place:

Date: Signature of Agent /Intermediary / Official

Date: Signature of Prospect / Policyholder

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