on 08 October 2013
Age is taken as on last birthday
PREMIUM AND BENEFIT DETAILS
ILLUSTRATION OF FUTURE BENEFITS
This illustration has been produced by HDFC Standard Life Insurance Company Limited to help you understand the benefits of your HDFC Life Sampoorn Samridhi Insurance Plan (Spl).
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.
The assumed rate of investment return is particularly important. The Illustration shows what you could get back using two assumed rates of investment return. These rates have been
specified by the Life Insurance Council and every insurance company must use these same rates for all products from 01/04/2004.
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 6% and 10% 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 reversionary bonuses is guaranteed to be a minimum 3% for all bonuses declared till 31st March
2021.The reversionary bonuses declared after this date are not guaranteed.
All amounts are in Indian Rupees.
Illustrative Benefits on Maturity
On the survival of the Life Assured until the Maturity date, the illustrative Maturity benefits are as shown below.
Illustrative Benefits on Death
On the death of the Life Assured before the Maturity date the illustrative benefits are as shown below.
Illustrative Benefits on Surrender
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This is the official illustration issued by HDFC Standard Life Insurance Company Limited. Illustration of any other type is not supported by the company.
Illustration for HDFC Life Sampoorn Samridhi Insurance Plan (Spl)
Name Age Gender
Life 1 abc xyz 23 M
Date of Policy Commencement: 08-Oct-2013
Policy Term: 15 year(s)
Premium Paying Term: 15 year(s)
Premium Frequency: Quarterly
Benefit Term (years)
Main Benefit 550,000 15 15 9,464 292 9,756
Total Premium payable per Frequency: 9,464 292 9,756
Next premium Due Date 08-Jan-2014
* General Sales Tax (GST) in case of Jammu and Kashmir and Service Tax (including Education Cess) in all other cases.
#The Service Tax & Education Cess on the Main Benefit premium for year two and subsequent years will be Rs.147/-.
Guaranteed Benefit Non-Guaranteed Benefit Total Maturity Benefit
Assumed Investment Return Assumed Investment Return
Date of Maturity Sampoorn Samridhi Insurance Plan (Spl) 6% p.a. 10% p.a. 6% p.a. 10% p.a.
08-Oct-2028 550,000 262,077 605,575 812,077 1,155,575
Depending on the Maturity Benefit Option chosen, on Maturity either an additional Sum Assured as mentioned in the 'PREMIUM AND BENEFIT DETAILS' above shall be payable by us on
the death of the Life Assured until age 99 years or an additional Enhanced Terminal Bonus shall be payable by us on the maturity date. Upon this payment, the policy terminates and no
further benefit other than maturity benefit becomes payable.
Guaranteed Benefits Non-Guaranteed Benefit Total Death Benefit
Benefit on Valid Claim Assumed Investment Return Assumed Investment Return Assumed Investment Return
Assumed Date of Death 6% p.a. 10% p.a. 6% p.a. 10% p.a. 6% p.a. 10% p.a.
08-Oct-2014 550,000 550,000 0 0 550,000 550,000
08-Oct-2015 550,000 550,000 0 0 550,000 550,000
08-Oct-2016 550,000 550,000 16,500 22,000 566,500 572,000
08-Oct-2017 550,000 550,000 33,000 44,000 583,000 594,000
08-Oct-2018 550,000 550,000 49,500 65,999 599,500 615,999
08-Oct-2019 550,000 550,000 66,000 87,999 616,000 637,999
08-Oct-2020 550,000 550,000 82,500 109,999 632,500 659,999
08-Oct-2021 550,000 550,000 99,000 131,999 649,000 681,999
08-Oct-2022 550,000 550,000 115,500 153,998 665,500 703,998
08-Oct-2023 550,000 550,000 132,000 175,998 682,000 725,998
08-Oct-2024 550,000 550,000 148,500 197,998 698,500 747,998
08-Oct-2025 550,000 550,000 163,625 219,998 713,625 769,998
08-Oct-2026 550,000 550,000 177,375 241,997 727,375 791,997
08-Oct-2027 550,000 550,000 189,750 263,997 739,750 813,997
Upon this payment, the policy terminates and no further benefit is payable.
Accidental Death Benefit
If the Life Assured dies before the end of the policy term as a result of an accident, an additional Sum Assured as mentioned in the 'PREMIUM AND BENEFIT DETAILS' above shall be
payable by us. This payment is in addition to any benefit shown above in the table of 'Illustrative Benefits on Death'. Upon payment of this benefit, the Policy terminates and no further
benefit becomes payable.
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 only after the first three years of the policy. Hence, Surrender Values are shown from the start of year 4 onwards.
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.
The benefits illustrated assume that any benefit payment is made exactly on a policy anniversary without allowance for any premium that may be due on that
anniversary. The illustrated values may not be constant over the policy year.
If you would like help to understand this illustration, please speak to your Financial Consultant / Relationship Manager.
TERMS AND CONDITIONS
Guaranteed Benefit Non-Guaranteed Benefit Total Surrender Benefit
Assumed Investment Return Assumed Investment Return
Date of Surrender Guaranteed Surrender Value 6% p.a. 10% p.a. 6% p.a. 10% p.a.
08-Oct-2016 37,856 0 0 37,856 37,856
08-Oct-2017 56,784 86,051 88,746 142,835 145,530
08-Oct-2018 75,712 114,629 119,868 190,341 195,580
08-Oct-2019 94,640 145,600 154,180 240,240 248,820
08-Oct-2020 113,568 180,545 193,331 294,113 306,899
08-Oct-2021 132,496 219,587 237,488 352,083 369,984
08-Oct-2022 151,424 261,186 285,055 412,610 436,479
08-Oct-2023 170,352 308,753 339,662 479,105 510,014
08-Oct-2024 189,280 360,789 399,768 550,069 589,048
08-Oct-2025 208,208 414,430 463,615 622,638 671,823
08-Oct-2026 227,136 474,781 537,141 701,917 764,277
08-Oct-2027 246,064 493,686 567,933 739,750 813,997
1. The Premium and the Sum Assured stated above is based on the information provided. They may vary as a result of underwriting.
2. For details of the above benefits, please read the sales literature provided.
3. Since some of the benefits are subject to maximum limits, please contact your financial consultant for more details.
4. The quoted premium is not guaranteed as premium rates for new policies can change in the future. However, once a policy is issued the premium will stay constant during the life of
5. Any statutory levy or charges (such as Service Tax & Education Cess) 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.
6. Insurance is a subject matter of solicitation.
7. UIN for HDFC Life Sampoorn Samridhi Insurance Plan (Spl) - 101N078V01
It has been proposed under the Union Budget 2012-13 that as per section 10 (10D) of the Income Tax Act, 1961; any sum received under a life insurance policy
will only be exempt from tax provided the annual premium payable in any of the years during the term of the policy does not exceed 10% of the actual capital
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