05-08-2020

Quote No : qa85mc3ipl7af

Benefit Illustration for HDFC Life Click 2 Invest - ULIP

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your
HDFC Life Click 2 Invest - ULIP

DETAILS
Proposal No:
Name of the Prospect/Policyholder: Devyani Tripathi Name of Product: HDFC Life Click 2 Invest - ULIP
A Unit Linked Non Participating
Age: 40 years* Tag Line:
Life Insurance Plan.
Name of Life Assured: Devyani Tripathi Unique Identification No: 101L100V03
Age: 40 years* GST Rate: 18%
Sum Assured: Rs.10000000 Investment Strategy opted for: 100% Debt oriented
Policy Term & Premium Payment Term: 10 year(s) & 10 year(s)
Amount of Instalment Premium: Rs.1000000
Mode of payment of Premium: Annual

Funds opted for along with their risk level:

Fund Risk Level Fund SFIN Fund Allocation (%)

Equity Plus Fund High ULIF05301/08/13EquityPlus101 0

Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0

Blue Chip Fund High ULIF03501/01/10BlueChipFd101 0
Opportunities Fund High ULIF03601/01/10OpprtntyFd101 0
Balanced Fund Medium ULIF03901/09/10BalancedFd101 0

Income Fund Medium ULIF03401/01/10IncomeFund101 0

Bond Fund Low ULIF05601/08/13Bond Funds101 100
Conservative Fund Low ULIF05801/08/13ConsertvFd101 0

Discovery Fund High ULIF06618/01/18DiscvryFnd101 0

Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0
How to read and understand this benefit illustration?
This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges, may grow over the years of the policy term if the
fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% and 4% are assumed only for the purpose of illustrating the flow of benefits if the returns are at this level. It
should not be interpreted that the returns under the plan are going to be either 8% p.a. or 4% p.a.
Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges, underwriting extra, if any, guarantee
charges and cost of riders, if deducted by cancellation of units. It demonstrates the impact of charges exclusive of taxes on the net yield. Please note that the mortality charges per
thousand sum assured in general, increases with age.
The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of riders, etc. The investment risk in
this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales literature carefully.
Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death benefit, at two assumed rates of
return. Part B of this statement presents a detailed break-up of the charges, and other values.

Rider Details

Rider Name Rider UIN Rider PPT Rider PT Rider Sum Assured Rs.

HDFC Life Critical Illness Plus Rider 101B014V02 10 10 10000000

Income Benefit on Accidental Disability Rider 101B013V03 10 10 10000000

Premium Summary

Total Instalment
Base Plan CI Rider IB Rider
Premium

Instalment Premium without GST 10,00,000 27870 2800 10,30,670

Instalment Premium with First Year GST 10,00,000 32887 3304 10,36,191
Instalment Premium with GST 2nd Year Onwards 10,00,000 32887 3304 10,36,191

PART A
At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Mortality, Commission

Policy year Fund at Mortality, Fund at
Premium Morbidity Other Surrender Death Other Surrender Death Payable to
GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intermediary
Charges Year Charges Year
(Rs)

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

1 10,00,000 16,219 13,541 5,357 10,04,180 10,04,180 1,00,00,000 16,187 13,824 5,402 10,43,183 10,43,183 1,00,00,000 75,000
2 10,00,000 15,638 27,286 7,726 20,32,715 20,32,715 1,00,00,000 15,490 28,400 7,900 21,52,864 21,52,864 1,00,00,000 20,000

3 10,00,000 14,858 41,365 10,120 30,86,417 30,86,417 1,00,00,000 14,478 43,907 10,509 33,33,610 33,33,610 1,00,00,000 20,000

4 10,00,000 13,808 55,791 12,528 41,66,200 41,66,200 1,00,00,000 13,040 60,411 13,221 45,90,414 45,90,414 1,00,00,000 20,000
5 10,00,000 12,405 70,578 14,937 52,73,101 52,73,101 1,00,00,000 11,034 77,982 16,023 59,28,752 59,28,752 1,00,00,000 20,000

6 10,00,000 10,532 85,739 17,329 64,08,322 64,08,322 1,00,00,000 8,271 96,698 18,894 73,54,681 73,54,681 1,00,00,000 20,000
 At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Mortality, Commission

Policy year Fund at Mortality, Fund at
Premium Morbidity Other Surrender Death Other Surrender Death Payable to
GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intermediary
Charges Year Charges Year
(Rs)

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

7 10,00,000 8,045 1,01,293 19,681 75,73,263 75,73,263 1,00,00,000 4,507 1,16,646 21,808 88,74,932 88,74,932 1,00,00,000 20,000

8 10,00,000 4,769 1,17,260 21,965 87,69,566 87,69,566 1,00,00,000 67 1,37,920 24,838 1,04,96,277 1,04,96,277 1,04,96,277 20,000

9 10,00,000 501 1,33,666 24,150 99,99,157 99,99,157 1,00,00,000 0 1,60,567 28,902 1,22,19,737 1,22,19,737 1,22,19,737 20,000
10 10,00,000 0 1,50,495 27,089 1,12,58,320 1,12,58,320 1,12,58,320 0 1,84,638 33,235 1,40,51,653 1,40,51,653 1,40,51,653 20,000

*See Part B for details.

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATIVE PURPOSE.

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

Place:

Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder

PART B
Gross Net
8% p.a 6.55% Amount in Rupees
Yield Yield

Annualized
Premium Premium
Annualized Allocation -Premium Policy Additions Fund at
Policy Mortality Guarantee Other Fund Surrender Death
Premium Charge Allocation Charge GST Admin to FMC End
Year Charge charges* before FMC Value Benefit
(AP) Charge Charge the fund of Year

(PAC) (AP)-(PAC)

1 10,00,000 0 10,00,000 16,187 5,402 0 0 0 0 10,44,569 13,824 10,43,183 10,43,183 1,00,00,000

2 10,00,000 0 10,00,000 15,490 7,900 0 0 0 0 21,55,724 28,400 21,52,864 21,52,864 1,00,00,000

3 10,00,000 0 10,00,000 14,478 10,509 0 0 0 0 33,38,039 43,907 33,33,610 33,33,610 1,00,00,000

4 10,00,000 0 10,00,000 13,040 13,221 0 0 0 0 45,96,512 60,411 45,90,414 45,90,414 1,00,00,000

5 10,00,000 0 10,00,000 11,034 16,023 0 0 0 0 59,36,629 77,982 59,28,752 59,28,752 1,00,00,000

6 10,00,000 0 10,00,000 8,271 18,894 0 0 0 0 73,64,452 96,698 73,54,681 73,54,681 1,00,00,000

7 10,00,000 0 10,00,000 4,507 21,808 0 0 0 0 88,86,723 1,16,646 88,74,932 88,74,932 1,00,00,000

8 10,00,000 0 10,00,000 67 24,838 0 0 0 0 1,05,10,222 1,37,920 1,04,96,277 1,04,96,277 1,04,96,277

9 10,00,000 0 10,00,000 0 28,902 0 0 0 0 1,22,35,971 1,60,567 1,22,19,737 1,22,19,737 1,22,19,737

10 10,00,000 0 10,00,000 0 33,235 0 0 0 0 1,40,70,321 1,84,638 1,40,51,653 1,40,51,653 1,40,51,653

Gross
4% p.a Amount in Rupees
Yield

Annualized
Premium Premium
Annualized Allocation -Premium Policy Additions Fund at
Policy Mortality Guarantee Other Fund Surrender Death
Premium Charge Allocation Charge GST Admin to FMC End
Year Charge charges* before FMC Value Benefit
(AP) Charge Charge the fund of Year

(PAC) (AP)-(PAC)

1 10,00,000 0 10,00,000 16,219 5,357 0 0 0 0 10,05,514 13,541 10,04,180 10,04,180 1,00,00,000

2 10,00,000 0 10,00,000 15,638 7,726 0 0 0 0 20,35,415 27,286 20,32,715 20,32,715 1,00,00,000

3 10,00,000 0 10,00,000 14,858 10,120 0 0 0 0 30,90,517 41,365 30,86,417 30,86,417 1,00,00,000

4 10,00,000 0 10,00,000 13,808 12,528 0 0 0 0 41,71,735 55,791 41,66,200 41,66,200 1,00,00,000

5 10,00,000 0 10,00,000 12,405 14,937 0 0 0 0 52,80,107 70,578 52,73,101 52,73,101 1,00,00,000

6 10,00,000 0 10,00,000 10,532 17,329 0 0 0 0 64,16,836 85,739 64,08,322 64,08,322 1,00,00,000

7 10,00,000 0 10,00,000 8,045 19,681 0 0 0 0 75,83,324 1,01,293 75,73,263 75,73,263 1,00,00,000

8 10,00,000 0 10,00,000 4,769 21,965 0 0 0 0 87,81,217 1,17,260 87,69,566 87,69,566 1,00,00,000

9 10,00,000 0 10,00,000 501 24,150 0 0 0 0 1,00,12,441 1,33,666 99,99,157 99,99,157 1,00,00,000

10 10,00,000 0 10,00,000 0 27,089 0 0 0 0 1,12,73,278 1,50,495 1,12,58,320 1,12,58,320 1,12,58,320

*Specify details if any,

Notes:

1. Refer the sales literature for explanation of terms used in this illustration.
2. Fund management charge is based on the specific fund option(s) chosen.
3. In case rider charges are collected explicitly through collection of rider premium, and not by way of cancellation of units, then, such charges are not considered in this illustration.
In other cases, rider charges are included in other charges.
I DHANANJAY JADHAV, have explained the premiums charges and benefits under I Devyani Tripathi,having received the information with respect to the above, have
the product fully to the prospect / policy holder. understood the above statement before entering into the contract.

Place:

Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder

Channel Name : IDFC FIRST Bank

Note: Kindly note that name of the company has changed from "HDFC Standard Life Insurance Company Limited" to "HDFC Life Insurance Company Limited".