Benefit Illustration for HDFC Life Click 2 Wealth

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC Life Click 2 Wealth
Details
Nam e of the Prospect /Policyholder: Rupak Das Proposal No:
Age: 36 Nam e of Product HDFC Life Click 2 W ealth
Nam e of the Life Assured: Tag Line: A Unit Link ed Non-par Life Insurance Plan
Age: 2 Unique Identification 101L133V02
Sum Assured: 3,84,000 No:
Policy Term & Prem ium Paym ent Term : 20 year(s) and 10 year(s) GST Rate: 18%
Plan O ption: W aiver of Prem ium Investm ent Strategy 0 % Debt oriented, 0 % Hybrid oriented,100 %
Am ount of Instalm ent Prem ium : 3,200 opted for: Equity oriented
Mode of Paym ent of Prem ium : Monthly
Funds opted for along with their risk level:
Fund Risk Level Fund SFIN Fund A llocation (%)
Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0
Blue Chip Fund High ULIF03501/01/10BlueChipFd101 0
Balanced Fund Medium ULIF03901/09/10BalancedFd101 0
Bond Fund Low ULIF05601/08/13Bond Funds101 0
Discovery Fund High ULIF06618/01/18DiscvryFnd101 0
Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0
O pportunities Fund High ULIF03601/01/10O pprtntyFd101 100
Liquid Fund Low ULIF00102/01/04LiquidFund101 0
Bond Plus Fund Medium ULIF06814/06/19BondPlusFd101 0
Secure Advantage Fund Low ULIF06914/06/19SecAdvFund101 0
How to read and understand this benefit illustration?
This benefit illustration is intended to show what charges are deducted from your prem ium s and how the unit fund, net of charges, m ay 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% p.a. and 4% p.a. are assum ed 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 m entioned corresponds to the gross investm ent return of 8%
p.a., net of all charges but does not consider m ortality, m orbidity charges, underwriting ex tra, if any, guarantee charges and cost of riders, if deducted by cancellation of units. It
dem onstrates the im pact of charges and tax es on the net yield. Please note that the m ortality charges per thousand sum assured in general, increases with age. The actual returns
can vary depending on the perform ance of the chosen fund, charges towards m ortality, m orbidity, underwriting ex tra, cost of riders, etc. The investm ent risk in this policy is borne by
the policyholder, hence, for m ore details on term s and conditions please read sales literature carefully. Part A of this statem ent presents a sum m ary view of year-by-year charges
deducted under the policy, fund value, surrender value and the death benefit, at two assum ed rates of return. Part B of this statem ent presents a detailed break -up of the charges,
and other values.
Part A (A mount in Rupees)
A t 4% p.a. Gross Investment Return A t 8% p.a. Gross Investment Return Commission/
Policy A nnualized Mortality, Mortality, Payable to
Year Premium Morbidity Other GST Fund at End Surrender Death Morbidity Other GST Fund at End Surrender Death Intremediary
Charges Charges* of Year Value Benefit Charges Charges* of Year Value Benefit (Rs)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
1 38,400 773 -104 189 38,353 38,353 3,84,000 773 -100 190 39,151 39,151 3,84,000 0
2 38,400 564 422 247 77,860 77,860 3,84,000 564 448 251 81,020 81,020 3,84,000 0
3 38,400 468 964 327 1,18,412 1,18,412 3,84,000 466 1,034 339 1,25,644 1,25,644 3,84,000 0
4 38,400 583 1,517 447 1,59,783 1,59,783 3,84,000 574 1,656 471 1,72,944 1,72,944 3,84,000 0
5 38,400 373 2,085 512 2,02,380 2,02,380 3,84,000 370 2,319 553 2,23,469 2,23,469 3,84,000 0
6 38,400 333 3,050 609 2,45,639 2,45,639 3,84,000 328 3,406 672 2,76,827 2,76,827 3,84,000 0
7 38,400 285 3,642 707 2,89,974 2,89,974 3,84,000 278 4,152 797 3,33,605 3,33,605 3,84,000 0
8 38,400 225 4,249 805 3,35,426 3,35,426 3,84,000 214 4,945 929 3,94,034 3,94,034 3,94,034 0
9 38,400 146 4,872 903 3,82,043 3,82,043 3,84,000 139 5,790 1,067 4,58,357 4,58,357 4,58,357 0
10 38,400 51 5,510 1,001 4,29,872 4,29,872 4,29,872 49 6,689 1,213 5,26,837 5,26,837 5,26,837 0
11 0 0 5,882 1,059 4,40,001 4,40,001 4,40,001 0 7,358 1,324 5,59,991 5,59,991 5,59,991 0
12 0 0 6,020 1,084 4,50,368 4,50,368 4,50,368 0 7,821 1,408 5,95,231 5,95,231 5,95,231 0
13 0 0 6,162 1,109 4,60,980 4,60,980 4,60,980 0 8,313 1,496 6,32,689 6,32,689 6,32,689 0
14 0 0 6,307 1,135 4,71,841 4,71,841 4,71,841 0 8,837 1,591 6,72,504 6,72,504 6,72,504 0
15 0 0 6,456 1,162 4,82,959 4,82,959 4,82,959 0 9,393 1,691 7,14,825 7,14,825 7,14,825 0
16 0 0 6,608 1,189 4,94,338 4,94,338 4,94,338 0 9,984 1,797 7,59,808 7,59,808 7,59,808 0
17 0 0 6,764 1,217 5,05,986 5,05,986 5,05,986 0 10,612 1,910 8,07,623 8,07,623 8,07,623 0
18 0 0 6,923 1,246 5,17,908 5,17,908 5,17,908 0 11,280 2,030 8,58,447 8,58,447 8,58,447 0
19 0 0 7,086 1,276 5,30,111 5,30,111 5,30,111 0 11,990 2,158 9,12,469 9,12,469 9,12,469 0
20 0 0 7,253 1,306 5,43,544 5,43,544 5,43,544 0 12,744 2,294 9,70,787 9,70,787 9,70,787 0

*See Part B for details.

IN THIS PO LICY, THE INVESTMENT RISK IS BO RNE BY THE PO LICYHO LDER AND THE ABO VE INTEREST RATES ARE O NLY FO R ILLUSTRATIO N PURPO SE

I, _____________ (nam e), have ex plained the prem ium s, charges and I, _____________ (nam e), having received the inform ation with respect to the above,
benefits under the policy fully to the prospect / policyholder. have understood the above statem ent before entering into the contract.

Place : Signature of Agent/ Interm ediary / O fficial

Date : Date : Signature of Prospect/ Policyholder

Part B Gross Yield 8% pa Net Yield 6.25% (A mounts in Rupees)

A nnualized
A nnualized Premium Premium- Policy A dditions Fund Fund at
Policy Premium A llocation Premium Mortality GST A dmin. Guarantee Other to before FMC End Surrender Death
Year (A P) Charge A llocation Charge Charge Charge Charges the fund FMC of Year value Benefit
(PA C) Charges
(A P) - (PA C)
1 38,400 (384) 38,784 773 190 0 0 -100 0 39,434 284 39,151 39,151 3,84,000
2 38,400 (384) 38,784 564 251 0 0 448 0 81,853 832 81,020 81,020 3,84,000
3 38,400 (384) 38,784 466 339 0 0 1,034 0 1,27,062 1,418 1,25,644 1,25,644 3,84,000
4 38,400 (384) 38,784 574 471 0 0 1,656 0 1,74,984 2,040 1,72,944 1,72,944 3,84,000
 5 38,400 (384) 38,784 370 553 0 0 2,319 0 2,26,171 2,703 2,23,469 2,23,469 3,84,000
6 38,400 (0) 38,400 328 672 0 0 3,406 0 2,80,233 3,406 2,76,827 2,76,827 3,84,000
7 38,400 (0) 38,400 278 797 0 0 4,152 0 3,37,756 4,152 3,33,605 3,33,605 3,84,000
8 38,400 (0) 38,400 214 929 0 0 4,945 0 3,98,979 4,945 3,94,034 3,94,034 3,94,034
9 38,400 (0) 38,400 139 1,067 0 0 5,790 0 4,64,147 5,790 4,58,357 4,58,357 4,58,357
10 38,400 (0) 38,400 49 1,213 0 0 6,689 0 5,33,526 6,689 5,26,837 5,26,837 5,26,837
11 0 (0) 0 0 1,324 0 0 7,358 0 5,67,349 7,358 5,59,991 5,59,991 5,59,991
12 0 (0) 0 0 1,408 0 0 7,821 0 6,03,052 7,821 5,95,231 5,95,231 5,95,231
13 0 (0) 0 0 1,496 0 0 8,313 0 6,41,003 8,313 6,32,689 6,32,689 6,32,689
14 0 (0) 0 0 1,591 0 0 8,837 0 6,81,341 8,837 6,72,504 6,72,504 6,72,504
15 0 (0) 0 0 1,691 0 0 9,393 0 7,24,217 9,393 7,14,825 7,14,825 7,14,825
16 0 (0) 0 0 1,797 0 0 9,984 0 7,69,792 9,984 7,59,808 7,59,808 7,59,808
17 0 (0) 0 0 1,910 0 0 10,612 0 8,18,235 10,612 8,07,623 8,07,623 8,07,623
18 0 (0) 0 0 2,030 0 0 11,280 0 8,69,727 11,280 8,58,447 8,58,447 8,58,447
19 0 (0) 0 0 2,158 0 0 11,990 0 9,24,459 11,990 9,12,469 9,12,469 9,12,469
20 0 (0) 0 0 2,294 0 0 12,744 897 9,83,532 12,744 9,70,787 9,70,787 9,70,787

Part B Gross Yield 4% pa (A mounts in Rupees)

A nnualized
A nnualized Premium Premium- Policy A dditions Fund at
Policy Premium A llocation Premium Mortality GST A dmin. Guarantee Other to Fund before FMC End Surrender Death
Year (A P) Charge A llocation Charge Charge Charge Charges the fund FMC of Year value Benefit
(PA C) Charges
(A P) - (PA C)
1 38,400 (384) 38,784 773 189 0 0 -104 0 38,633 280 38,353 38,353 3,84,000
2 38,400 (384) 38,784 564 247 0 0 422 0 78,666 806 77,860 77,860 3,84,000
3 38,400 (384) 38,784 468 327 0 0 964 0 1,19,760 1,348 1,18,412 1,18,412 3,84,000
4 38,400 (384) 38,784 583 447 0 0 1,517 0 1,61,685 1,901 1,59,783 1,59,783 3,84,000
5 38,400 (384) 38,784 373 512 0 0 2,085 0 2,04,849 2,469 2,02,380 2,02,380 3,84,000
6 38,400 (0) 38,400 333 609 0 0 3,050 0 2,48,689 3,050 2,45,639 2,45,639 3,84,000
7 38,400 (0) 38,400 285 707 0 0 3,642 0 2,93,616 3,642 2,89,974 2,89,974 3,84,000
8 38,400 (0) 38,400 225 805 0 0 4,249 0 3,39,675 4,249 3,35,426 3,35,426 3,84,000
9 38,400 (0) 38,400 146 903 0 0 4,872 0 3,86,914 4,872 3,82,043 3,82,043 3,84,000
10 38,400 (0) 38,400 51 1,001 0 0 5,510 0 4,35,382 5,510 4,29,872 4,29,872 4,29,872
11 0 (0) 0 0 1,059 0 0 5,882 0 4,45,882 5,882 4,40,001 4,40,001 4,40,001
12 0 (0) 0 0 1,084 0 0 6,020 0 4,56,388 6,020 4,50,368 4,50,368 4,50,368
13 0 (0) 0 0 1,109 0 0 6,162 0 4,67,142 6,162 4,60,980 4,60,980 4,60,980
14 0 (0) 0 0 1,135 0 0 6,307 0 4,78,149 6,307 4,71,841 4,71,841 4,71,841
15 0 (0) 0 0 1,162 0 0 6,456 0 4,89,415 6,456 4,82,959 4,82,959 4,82,959
16 0 (0) 0 0 1,189 0 0 6,608 0 5,00,946 6,608 4,94,338 4,94,338 4,94,338
17 0 (0) 0 0 1,217 0 0 6,764 0 5,12,750 6,764 5,05,986 5,05,986 5,05,986
18 0 (0) 0 0 1,246 0 0 6,923 0 5,24,831 6,923 5,17,908 5,17,908 5,17,908
19 0 (0) 0 0 1,276 0 0 7,086 0 5,37,197 7,086 5,30,111 5,30,111 5,30,111
20 0 (0) 0 0 1,306 0 0 7,253 942 5,50,797 7,253 5,43,544 5,43,544 5,43,544
*Specify details, if any.
Notes:
1. Refer the Sales Literarure for ex plaination of term s used in this illustration.
2. Fund Managem ent Charge is based on the specific fund option(s) chosen.
3. In case rider charges are collected ex plicitely through collection of rider prem ium , 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, _____________ (nam e), have ex plained the prem ium s, charges and I, _____________ (nam e), having received the inform ation with respect to the above,
benefits under the policy fully to the prospect / policyholder. have understood the above statem ent before entering into the contract.

Place : Signature of Agent/ Interm ediary / O fficial

Date : Date : Signature of Prospect/ Policyholder

Channel Name : Direct - Online

Note: Kindly note that nam e of the com pany has changed from "HDFC Standard Life Insurance Com pany Lim ited" to "HDFC Life Insurance Com pany Lim ited".