created for Mr.

Harshad Ghude | Age: 36

To be a loving father securing the future of his daughter
RIYA, aged 5 years

This is a combination solution consisting of HDFC SL YoungStar Super Premium and HDFC Life Click2Protect. These products are also available individually without
this combination solution.

Presented by : Brought to you by:

HDFC BANK 145, Advisor HDFC Standard Life Insurance Company Limited
2nd Floor, Techiniplex II, Jn. Veer Savarkar Flyover & S.V. Road For more details, log on to www.hdfclife.com
Goregaon West, Mumbai 400 062.
Tel: +91 22 6183000
E-Mail: sales@datacompwebtech.com, Web: http://www.datacompwebtech.com"
 Mr. Harshad Ghude. Do you remember the time when you
held the small bundle of joy in your arms & got swept with
emotion. You felt joy & pride. But most importantly you felt a
strong sense of responsibility that you might have never felt
before. As the tiny fingers circled your hand you knew right
then that you will do everything in your power to make
RIYA’s future as happy & secure as possible. A financially
stable future that is now within your reach.

You set side only ` 1,40,819 annually for 10 years to build a corpus for RIYA 's future

36 46
yrs yrs

To ensure that your dreams for RIYA are not shattered, your life is covered for
` 1,26,88,004

You get ` 16,00,012 to help you fund your dreams for RIYA

Your dreams for RIYA are protected through a high insurance cover of ` 1,26,88,004 on your life.

For this protection umbrella you pay only ` 1,40,819 p.a. for 10 years. That's just ` 386 per day!!!

After 20 years when RIYA is 25 years of age, you get ` 16,00,012 to fund RIYA’s career goals.

The key highlight of this solution is the way in which it protects RIYA’s future in the event of your
untimely death. Please refer to the page 3 for an elaborate understanding of this innovative benefit.

The premiums you pay are eligible for Tax exemption under Sec. 80 C of Income Tax act.
The maturity amount received by RIYA is Tax Free under Sec. 10 (10D) of Income Tax act.

Commit yourself to safeguard RIYA’s future under any unfortunate

circumstances. Plan for building a corpus for her career milestones
and at the same time mitigate the risk of your dreams getting
shattered in your absence through a high life cover.

Do your bit. Ensure a Bright Bhavishya for RIYA.

The above benefits contain guaranteed and non-guaranteed items. Please refer to the disclaimer on page 6. All calculations quoted are inclusive of tax.

Customised Life solution for Mr. Harshad Ghude MY Mix ID # BB000002 dated 12-Jul-2014
Presented by : HDFC BANK 145 Tel: +91 22 6183000 Page 2 of 7
 The core feature of the solution is the coverage your wife Mrs. ANITA & your daughter RIYA will get in your absence. In
the event of your untimely death, specific benefits will be made available to them to help them sustain life as well as meet
the goals planned by you for RIYA. For e.g. In the event of death after 5 years then the following benefits will be
available:

All future premiums will be waived and paid towards policy by HDFCLife. The fund will continue to accumulate till
RIYA reaches age 25.
A guaranteed amount of ` 1,26,88,004 will be paid to Mrs. ANITA in lump sum.
Mrs. ANITA has an option to invest this amount into an immediate annuity plan with return of purchase price option.
If invested, then

1. She will receive ` 8,00,000 every year for her lifetime. This will help her take care of family’s sustenance.

2. RIYA will receive ` 1,23,07,696 in lump sum in the event of her absence in future.

Additionally a guaranteed ` 63,370 will be paid every year to compliment RIYA’s upbringing needs till she reaches
25.

HDFC Life will contribute ` 63,370 every year to the policy fund till the end of policy term.

At the end of the policy term when RIYA is 25 year, she will receive the fund value as maturity.

Assumptions: Mrs. ANITA’s present age - 34 years, RIYA’s present age - 5 years

Annual Premium ` 1,40,819 HDFC Life contributes ` 63,370 every year to the policy fund

1st 5th 10th

yr yr yr

All future premiums are

waived Death occurs

Mrs. ANITA HDFC Life pays ` 63,370 every year till end of policy term
receives ` 1,26,88,004 to compliment RIYA’s upbringing

Mrs. ANITA receives ` 8,00,000

` 1,26,88,004 every year for lifetime
invested in New
Immediate Annuity plan
(with Return of Purchase In the event of Mrs. ANITA’s death, RIYA
Price option) receives ` 1,23,07,696

RIYA gets the accumulated policy fund value

to fulfill her dreams.

The above benefits contain guaranteed and non-guaranteed items. Please refer to the disclaimer on page 6. All calculations quoted are inclusive of tax.

Customised Life solution for Mr. Harshad Ghude MY Mix ID # BB000002 dated 12-Jul-2014
Presented by : HDFC BANK 145 Tel: +91 22 6183000 Page 3 of 7
 My Product Mix

Product Name Policy Term PPT* Annual Premium Basic Sum Assured

HDFC Life YoungStar Super Premium - 101L068V02 10 10 1,26,740 12,67,400

(with Save and Gain Option)

HDFC Life Click 2 Protect - 101N080V02 10 10 14,079 1,14,20,604

Total : 1,40,819 1,26,88,004

* PPT - Premium Payment Term

The above benefits contain guaranteed and non-guaranteed items. Please refer to the disclaimer on page 6. All calculations quoted are inclusive of tax.

Customised Life solution for Mr. Harshad Ghude MY Mix ID # BB000002 dated 12-Jul-2014
Presented by : HDFC BANK 145 Tel: +91 22 6183000 Page 4 of 7
Benefit Illustration
Returns
Policy Your RIYA's Annual Cummulative
Year Age Age Premium Premium Family Protection Scenario @ 4% Scenario @ 8%

1 36 5 1,40,819 1,40,819 1,26,88,004 0 0

2 37 6 1,40,819 2,81,638 1,26,88,004 0 0

3 38 7 1,40,819 4,22,457 1,26,88,004 0 0

4 39 8 1,40,819 5,63,276 1,26,88,004 0 0

5 40 9 1,40,819 7,04,095 1,26,88,004 0 0

6 41 10 1,40,819 8,44,914 1,26,88,004 0 0

7 42 11 1,40,819 9,85,733 1,26,88,004 0 0

8 43 12 1,40,819 11,26,552 1,26,88,004 0 0

9 44 13 1,40,819 12,67,371 1,26,88,004 0 0

10 45 14 1,40,819 14,08,190 1,26,88,004 0 0

11 46 15 0 0 0 12,82,046 16,00,012

Total: 14,08,190 12,82,046 16,00,012

The above benefits contain guaranteed and non-guaranteed items. Please refer to the disclaimer on page 6. All calculations quoted are inclusive of tax.

Customised Life solution for Mr. Harshad Ghude MY Mix ID # BB000002 dated 12-Jul-2014
Presented by : HDFC BANK 145 Tel: +91 22 6183000 Page 5 of 7
Disclaimers governing this presentation
All the figures shown on the Cover Story Page are based on “Assumed Investment Return” @ 8% scenario.

Advertisement Disclaimers:
“This advertisement is designed for combination of benefits of two or more individual and separate products named HDFC SL YoungStar Super
Premium and HDFC Life Click2Protect (as applicable) etc. The customer has the choice of purchasing any one or more product as per his/her
need and choice and there is no compulsion whatsoever that these product are to be taken together as suggested by the insurer and presented
in this advertisement. The customer is expected to ask questions, understand and satisfy himself that the condition meets his/her specific needs
better before deciding to purchase the combination. This benefit illustration is the arithmetic combination and chronological listing of combined
benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein ”

Other Disclaimers:
HDFC Standard Life Insurance Company Limited. In Partnership with Standard Life
*Tax laws are subject to changes in the tax laws.
Insurance is the subject matter of the solicitation. HDFC SL YoungStar Super Premium ( Form No: P501-87 UIN: 101L068V01) is a unit linked
non-participatory insurance product and HDFC Life Click2Protect ( Form No: P501, UIN: 101N080V02) is a traditional term insurance product
offered by HDFC Life. Unit Linked Plans are different from traditional insurance plans and are subject to different risk factors. For a unit linked
policy the investment risk in investment portfolio is borne by the policy holder only. For more details on risk factors, terms and conditions and
exclusions please read the product brochure or speak to your financial consultant before conclusion of the sale. The premium paid in unit linked
life insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the
performance of the fund and factors influencing the capital markets and the insured is responsible for his/her decision. Please know the
associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document the insurer.
The benefits available under the combination solution shall be as per the respective product ’s policy terms and conditions. The benefit of this
combination solution shall become payable only if all premiums for the entire premium payment term are paid in full, as the case may be. The
premium quoted is only basic premium. The actual premium shall comprise of basic premium, extra premium, if any, rider premium, if any,
service tax and education cess, as per applicable rates. For a customized benefit illustration please contact your Agent/Corporate Agent/Broker.
The maturity values shown are of illustrative purpose only. At any point of time if there is any discrepancy in illustrative maturity values (IMV)
and annuity amount provided in this document with that of Quotes and Illustration (Qnl) calculator generated illustration, the amounts
calculated through QnI calculator will be considered as final. You can contact us on Toll Free (BSNL/MTNL): 1800 266 9777. Name of the
company HDFC Standard Life Insurance Company Limited, Name of the Brand HDFC Life or name of the products HDFC SL YoungStar Super
Premium and HDFC Life Click2Protect do not indicate the quality of the combo plan. To know the details of each plan of this combination
solution, please go through the benefit illustrations of individual products as provided to you. HDFC Standard Life Insurance Company Limited
Reg No: 101.

ILLUSTRATION OF FUTURE BENEFITS

I. This illustration has been produced by HDFC Standard Life Insurance Company Limited to help you understand the benefits of your HDFC SL
YoungStar Super Premium. 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 Council. 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. Whilst future investment returns would
significantly influence policy benefits, other factors such as charges and taxes also have an impact on your benefits. 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. All amounts are in Indian Rupees.

II. This illustration has been produced by HDFC Standard Life Insurance Company Limited to help you understand the benefits of your HDFC Life
Click 2 Protect policy. These illustrations must be read in conjunction with the sales literature, which describes the features of this product.
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. All benefits under this Product are guaranteed, provided all premiums are paid, when they are
due. All amounts are in Indian Rupees.

Customised Life solution for Mr. Harshad Ghude MY Mix ID # BB000002 dated 12-Jul-2014
Presented by : HDFC BANK 145 Tel: +91 22 6183000 Page 6 of 7
Disclaimers governing this presentation
TERMS AND CONDITIONS
YoungStar Super II:
§ The Sum Assured stated above is based on the information provided and may vary as a result of underwriting.
§ Please read the sales literature provided. § 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. § The benefits illustrated assume that all premiums that
are due over the premium paying term will be paid and no withdrawals will be made during the policy term. In case premiums are not paid for
the premium paying term at the original level or withdrawals are made during the policy term, the illustrative benefits will differ. § 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 at any time in the first five years of the
policy but the amount payable on surrender will be paid out only on completion of five policy years, subject to prevailing regulations. § In case
you do not pay premiums for the full premium paying term, your policy will be discontinued or will become paid-up depending on the premiums
paid previously. Please read the sales literature for more details. § There is no commission payable as the illustration has been generated on the
basis that this proposal would be sourced through Direct Sales. § "Premium Allocation Charge Rates" and "Risk Benefit Charge Rates", if
applicable, are guaranteed for the lifetime of the policy. All other charges may be altered during the lifetime of the policy with prior approval
from the regulator. § Clawback Additions would be payable at the point of exit after the completion of five years, if and only if, it is required to
meet the reduction in yield requirements prescribed by the regulations. Exit would mean exit by way of death, surrender or maturity whichever
is earliest.

Click 2 Protect :
1. The Premium and the Sum Assured stated above is based on the information provided. They may vary as a result of underwriting. 2. The
Premium and the Sum Assured stated above is based on the information provided. 3. For details of the above benefits, please read the sales
literature provided. 4. Since some of the benefits are subject to maximum limits, please contact your financial consultant for more details. 5.
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 that policy. 6. 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. 7. Insurance is a subject matter of
solicitation. 8. UIN for HDFC Life Click 2 Protect - 101N080V02

Financial Consultant's Signature: Customer's Signature:

Financial Consultant's Name: Date:

Financial Consultant's Code: Place:

Business Development Manager's Name:

Customised Life solution for Mr. Harshad Ghude MY Mix ID # BB000002 dated 12-Jul-2014
Presented by : HDFC BANK 145 Tel: +91 22 6183000 Page 7 of 7