Cherish every milestone of

joy on the journey of life

with Sanchay Plus
A Non-Participating, Non-Linked Savings Insurance Plan

Guaranteed1 Life cover to protect

Tax Benefits2
Benefit Payouts your family's future

1 Provided all due premiums have been paid and the policy is in force.
2 As per Income Tax, 1961. Tax benefits are subject to changes in tax laws.

DRAFT COPY
 On the road to achieving major goals, plan for
the smaller milestones too
Ayan is in his 30s and has a wish-list of things that he wants to achieve. These include
having the best lifestyle possible, going on short holidays and ensuring that he is ready
for growing responsibilities

Coping up with growing

responsibilities

Managing lifestyle expenses

Enjoying short holidays

 Supplementary income

Ayan wants to enjoy small joys even from the hustle and bustle of everyday life. He is aware
that with time his responsibilities will also grow and wants to be prepared with
supplementary income.

How can Sanchay Plus help?

Ayan is 35 years of age and requires a monthly income of Rs 25,000 for 10 years as a
supplementary income to celebrate small joys of life. He can achieve this goal with
HDFC Life Sanchay Plus.

Here is how: Guaranteed Income Option

Premium Paying Term (PPT) for 10 years Payout Period for 10 years

Annual Premium of ` 1.7 Lakhs Guaranteed Income `25,704 per month

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21

Policy Term (PT) of 11 years Guaranteed Income payable during payout period
PPT
Entry Age : 5 to 50 Years Entry Age : 51 to 60 Years

10 Years 188% of AP ` 179% of AP

12 Years 209% of AP ` 194% of AP

Premium amount mentioned is excluding taxes.

Ayan's family's future will be protected even in his absence.

Death Benefit
Death Benefit at inception of policy will be `20,59,898.
In case of death of Life Assured during the policy term, the death benefit equal to Sum Assured on Death plus
Accured Guaranteed Additions shall be payable to the nominee.
Sum Assured on Death is the highest of:
• 10 times the Annualized Premium1, or
• 105% of Total Premiums paid2, or
• Premiums paid accumulated at an interest of 5% p.a. compounded annually, or
• Guaranteed Sum Assured on Maturity, or
• an absolute amount assured to be paid on death, which is equal to the Sum Assured.
Sum Assured shal be equal to the applicable Death Benefit multiple times the Annualized Premium. For the
applicable Death Benefit Multiples please refer the product brochure.
Upon the payment of the death benefit, the policy terminates and no further benefits are payable.

1. Annualized Premium shall be the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings
for modal premiums, if any.
2. Total Premiums Paid means total of all the premiums received, excluding any extra premium, any rider premium and taxes.
 Policy at glance

Feature Specification

Premium Payment mode Annually, Half-yealry, Quarterly, Monthly

Annual: ` 30,000
Minimum Annualized Half yearly: ` 15,000
Premium Quarterly: ` 7,500
Monthly: ` 2,500

Maximum Annualized No limit, subject to Board Approved

Premium Underwriting Policy (BAUP)

Plan Option Minimum Maximum

Guaranteed Income 51 54
Age at Entry
Life Long Income 50 59
Long Term Income 51 59

Plan Option Minimum Maximum

Guaranteed Income 18
Age at Maturity
Life Long Income 56 65
Long Term Income 18

All ages mentioned above are age last birthday.

The minimum premium amounts are exclusive of taxes and levies as applicable.
1. Risk cover starts from date of commencement of policy for all lives including minors. In case of a minor
life, the policy will vest on the Life Assured on attainment of age 18 years.
 DRAFT COPY
HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
This communication is part of training material for internal circulation only and should not be used for solicitation. Any unauthorized dissemination, distribution,
reproduction, display, alteration or copying in any form or by any means of any contents of this communication is prohibited.
HDFC Life Sanchay Plus (UIN: 101N134V09) is a non-participating, non-linked savings insurance plan.
INT/MC/06/21/24384