29-06-2022

Quote No : qb7so7sgbhvq3

Benefit Illustration for HDFC Life Sanchay Par Advantage

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC
Life Sanchay Par Advantage

Age is taken as on last birthday Proposal No:

Name of the Prospect /Policy holder: SMART INVESTOR Name of the Product: HDFC Life Sanchay Par Advantage
Age: 40 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: SMART INVESTOR
Unique Identification No: 101N136V02
Age: 40
GST Rate: 4.5% for first year
Policy Term 60 year(s)
2.25% second year onwards
Premium Payment Term: 10 year(s)
Amount of Installment Premium(Without GST): 100000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual

How to read and understand this benefit illustration?

This benefit illustration is intended to show year wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.

"Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers
guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show
two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the 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."

Policy Details
Policy Option Deferred Income Sum Assured on Maturity Rs. 10,00,000

Sum Assured on Death (at inception of

Bonus Type Cash Bonus 11,50,000
the policy) Rs.

Premium Summary
Base CI IB Total Installment
PP Rider (PAC) PP Rider (ADC) PP Rider (CC)
Plan Rider Rider Premium

Instalment Premium without GST 100000 0 0 0 0 0 100000

Instalment Premium with First Year GST 104500 0 0 0 0 0 104500

Instalment Premium with GST 2nd Year
102250 0 0 0 0 0 102250
Onwards
 (Amounts in Rupees.)
Total Benefits
Non Guaranteed Non-Guaranteed including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. Benefits @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit

Total Total
Single / Total Total Total Total
Policy Death Death
Annualized Maturity Maturity Surrender Surrender
Year Benefit Benefit
Premium Benefit, Benefit, Benefit Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender incl of incl of
GA RB RB incl TB, if incl TB, if incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# TB, if TB, if
any, @ any, @ if any, @ if any, @
any, @ any, @
4% 8% 4% 8%
4% 8%
(7+TB) (7+TB) (5+10) (5+13)
(6+TB) (6+TB)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
1 1,00,000 0 0 0 11,50,000 0 0 0 0 0 0 0 0 0 11,50,000 11,50,000 0 0
2 1,00,000 0 0 60,000 11,50,000 0 0 0 10,000 0 0 10,000 0 0 11,50,000 11,50,000 70,000 70,000

3 1,00,000 0 0 1,05,000 11,50,000 0 0 0 15,000 0 0 15,000 0 0 11,50,000 11,50,000 1,20,000 1,20,000

4 1,00,000 0 0 2,00,000 11,50,000 0 0 0 40,000 0 0 40,000 0 0 11,50,000 11,50,000 2,40,000 2,40,000
5 1,00,000 0 0 2,50,000 11,50,000 0 0 0 50,000 0 0 50,000 0 0 11,50,000 11,50,000 3,00,000 3,00,000
6 1,00,000 0 0 3,00,000 11,50,000 0 0 0 60,000 0 0 91,000 0 0 11,50,000 11,50,000 3,60,000 3,91,000

7 1,00,000 0 0 3,50,000 11,50,000 0 0 0 1,21,000 0 0 1,95,000 0 0 11,50,000 11,50,000 4,71,000 5,45,000

8 1,00,000 0 0 5,20,000 11,50,000 0 0 0 98,000 0 0 2,11,000 0 0 11,50,000 11,50,000 6,18,000 7,31,000

9 1,00,000 0 0 6,30,000 11,50,000 0 0 0 1,59,000 0 0 3,24,000 0 0 11,50,000 11,50,000 7,89,000 9,54,000

10 1,00,000 0 0 7,50,000 11,50,000 0 0 0 2,35,000 0 0 4,66,000 0 0 11,50,000 12,17,000 9,85,000 12,16,000

11 0 0 0 8,00,000 11,50,000 0 0 0 2,22,000 0 0 5,11,000 0 0 11,50,000 13,12,000 10,22,000 13,11,000

12 0 0 40,400 9,00,000 11,50,000 0 0 4,100 1,66,000 0 60,600 5,24,000 0 0 11,50,000 13,23,000 10,66,000 14,24,000

13 0 0 40,400 9,00,000 11,50,000 0 0 4,100 2,08,000 0 60,600 6,30,000 0 0 11,50,000 13,29,000 11,08,000 15,30,000
14 0 0 40,400 9,00,000 11,50,000 0 0 4,100 2,51,000 0 60,600 7,38,000 0 0 11,50,000 13,35,000 11,51,000 16,38,000

15 0 0 40,400 9,00,000 11,50,000 0 0 4,100 2,93,000 0 60,600 8,45,000 0 0 11,50,000 13,41,000 11,93,000 17,45,000

16 0 0 40,400 9,00,000 11,50,000 0 0 4,100 3,92,000 0 60,600 10,28,000 0 0 11,50,000 14,23,000 12,92,000 19,28,000
17 0 0 40,400 9,00,000 11,50,000 0 0 4,100 4,34,000 0 60,600 11,37,000 0 0 11,50,000 14,31,000 13,34,000 20,37,000

18 0 0 40,400 9,00,000 11,50,000 0 0 4,100 4,76,000 0 60,600 12,47,000 0 0 11,50,000 14,40,000 13,76,000 21,47,000

19 0 0 40,400 9,00,000 11,50,000 0 0 4,100 5,18,000 0 60,600 13,57,000 0 0 11,50,000 14,49,000 14,18,000 22,57,000
20 0 0 40,400 9,00,000 11,50,000 0 0 4,100 5,60,000 0 60,600 14,59,000 0 0 11,50,000 14,59,000 14,60,000 23,59,000

21 0 0 40,400 9,00,000 11,50,000 0 0 4,100 6,01,000 0 60,600 14,69,000 0 0 11,50,000 14,70,000 15,01,000 23,69,000

22 0 0 40,400 9,00,000 11,50,000 0 0 4,100 6,42,000 0 60,600 14,80,000 0 0 11,50,000 14,81,000 15,42,000 23,80,000
23 0 0 40,400 9,00,000 11,50,000 0 0 4,100 6,83,000 0 60,600 14,93,000 0 0 11,50,000 14,93,000 15,83,000 23,93,000

24 0 0 40,400 9,00,000 11,50,000 0 0 4,100 7,24,000 0 60,600 15,05,000 0 0 11,50,000 15,06,000 16,24,000 24,05,000
25 0 0 40,400 9,00,000 11,50,000 0 0 4,100 7,64,000 0 60,600 15,19,000 0 0 11,50,000 15,20,000 16,64,000 24,19,000

26 0 0 40,400 9,00,000 11,50,000 0 0 4,100 8,04,000 0 60,600 15,34,000 0 0 11,50,000 15,35,000 17,04,000 24,34,000

27 0 0 40,400 9,00,000 11,50,000 0 0 4,100 8,44,000 0 60,600 15,50,000 0 0 11,50,000 15,51,000 17,44,000 24,50,000
28 0 0 40,400 9,00,000 11,50,000 0 0 4,100 8,83,000 0 60,600 15,67,000 0 0 11,50,000 15,68,000 17,83,000 24,67,000

29 0 0 40,400 9,00,000 11,50,000 0 0 4,100 9,22,000 0 60,600 15,85,000 0 0 11,50,000 15,86,000 18,22,000 24,85,000

30 0 0 40,400 9,00,000 11,50,000 0 0 4,100 9,60,000 0 60,600 16,05,000 0 0 11,50,000 16,06,000 18,60,000 25,05,000
31 0 0 40,400 9,00,000 11,50,000 0 0 4,100 9,98,000 0 60,600 16,26,000 0 0 11,50,000 16,27,000 18,98,000 25,26,000

32 0 0 40,400 9,00,000 11,50,000 0 0 4,100 10,01,000 0 60,600 16,49,000 0 0 11,50,000 16,49,000 19,01,000 25,49,000

33 0 0 40,400 9,00,000 11,50,000 0 0 4,100 9,93,000 0 60,600 16,73,000 0 0 11,50,000 16,74,000 18,93,000 25,73,000
34 0 0 40,400 9,00,000 11,50,000 0 0 4,100 9,84,000 0 60,600 16,99,000 0 0 11,50,000 16,99,000 18,84,000 25,99,000

35 0 0 40,400 9,00,000 11,50,000 0 0 4,100 9,75,000 0 60,600 17,26,000 0 0 11,50,000 17,27,000 18,75,000 26,26,000

36 0 0 40,400 9,00,000 11,50,000 0 0 4,100 9,64,000 0 60,600 17,56,000 0 0 11,50,000 17,57,000 18,64,000 26,56,000
37 0 0 0 9,00,000 11,50,000 0 0 6,500 9,89,000 0 1,01,000 17,88,000 0 0 11,50,000 17,89,000 18,89,000 26,88,000

38 0 0 0 9,00,000 11,50,000 0 0 6,500 10,14,000 0 1,01,000 18,17,000 0 0 11,50,000 18,19,000 19,14,000 27,17,000
39 0 0 0 9,00,000 11,50,000 0 0 6,500 10,41,000 0 1,01,000 18,49,000 0 0 11,50,000 18,50,000 19,41,000 27,49,000

40 0 0 0 9,00,000 11,50,000 0 0 6,500 10,69,000 0 1,01,000 18,83,000 0 0 11,50,000 18,84,000 19,69,000 27,83,000

41 0 0 0 9,00,000 11,50,000 0 0 6,500 10,99,000 0 1,01,000 19,19,000 0 0 11,50,000 19,21,000 19,99,000 28,19,000
42 0 0 0 9,00,000 11,50,000 0 0 6,500 11,30,000 0 1,01,000 19,58,000 0 0 11,50,000 19,60,000 20,30,000 28,58,000

43 0 0 0 9,00,000 11,50,000 0 0 6,500 11,62,000 0 1,01,000 20,00,000 0 0 11,64,000 20,02,000 20,62,000 29,00,000

44 0 0 0 9,00,000 11,50,000 0 0 6,500 11,95,000 0 1,01,000 20,45,000 0 0 11,97,000 20,46,000 20,95,000 29,45,000
45 0 0 0 9,00,000 11,50,000 0 0 6,500 12,29,000 0 1,01,000 20,93,000 0 0 12,31,000 20,94,000 21,29,000 29,93,000

46 0 0 0 9,00,000 11,50,000 0 0 6,500 12,64,000 0 1,01,000 21,44,000 0 0 12,66,000 21,46,000 21,64,000 30,44,000

47 0 0 0 9,00,000 11,50,000 0 0 6,500 13,00,000 0 1,01,000 21,99,000 0 0 13,02,000 22,01,000 22,00,000 30,99,000
48 0 0 0 9,00,000 11,50,000 0 0 6,500 13,37,000 0 1,01,000 22,58,000 0 0 13,39,000 22,60,000 22,37,000 31,58,000

49 0 0 0 9,00,000 11,50,000 0 0 6,500 13,75,000 0 1,01,000 23,21,000 0 0 13,77,000 23,23,000 22,75,000 32,21,000

50 0 0 0 9,00,000 11,50,000 0 0 6,500 14,14,000 0 1,01,000 23,88,000 0 0 14,17,000 23,91,000 23,14,000 32,88,000
51 0 0 0 9,00,000 11,50,000 0 0 6,500 14,54,000 0 1,01,000 24,61,000 0 0 14,57,000 24,64,000 23,54,000 33,61,000

52 0 0 0 9,00,000 11,50,000 0 0 6,500 14,96,000 0 1,01,000 25,39,000 0 0 14,98,000 25,41,000 23,96,000 34,39,000
 Total Benefits
Non Guaranteed Non-Guaranteed including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. Benefits @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit

Total Total
Single / Total Total Total Total
Policy Death Death
Annualized Maturity Maturity Surrender Surrender
Year Benefit Benefit
Premium Benefit, Benefit, Benefit Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender incl of incl of
GA RB RB incl TB, if incl TB, if incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# TB, if TB, if
any, @ any, @ if any, @ if any, @
any, @ any, @
4% 8% 4% 8%
4% 8%
(7+TB) (7+TB) (5+10) (5+13)
(6+TB) (6+TB)

53 0 0 0 9,00,000 11,50,000 0 0 6,500 15,38,000 0 1,01,000 26,22,000 0 0 15,41,000 26,25,000 24,38,000 35,22,000

54 0 0 0 9,00,000 11,50,000 0 0 6,500 15,81,000 0 1,01,000 27,11,000 0 0 15,84,000 27,14,000 24,81,000 36,11,000

55 0 0 0 9,00,000 11,50,000 0 0 6,500 16,25,000 0 1,01,000 28,07,000 0 0 16,29,000 28,10,000 25,25,000 37,07,000
56 0 0 0 9,00,000 11,50,000 0 0 6,500 16,71,000 0 1,01,000 29,09,000 0 0 16,75,000 29,13,000 25,71,000 38,09,000

57 0 0 0 9,00,000 11,50,000 0 0 6,500 17,18,000 0 1,01,000 30,19,000 0 0 17,21,000 30,23,000 26,18,000 39,19,000

58 0 0 0 9,00,000 11,50,000 0 0 6,500 17,65,000 0 1,01,000 31,37,000 0 0 17,69,000 31,41,000 26,65,000 40,37,000
59 0 0 0 9,00,000 11,50,000 0 0 6,500 18,14,000 0 1,01,000 32,63,000 0 0 18,18,000 32,67,000 27,14,000 41,63,000

60 0 0 0 0 11,50,000 10,00,000 0 6,500 0 0 1,01,000 0 18,64,000 33,09,000 19,66,000 35,82,000 0 0

Notes:
1. Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and Goods & Service Tax. Refer Sales
Literature for explanation of terms used in this illustration.
2. The survival benefits are payable at the end of the policy year. Upon payment at Maturity(Last Payout), the policy terminates and no further benefits become payable.
3. The death benefits shown above are at the end of the year. Upon payment, of death benefit the policy terminates and no further benefit is payable.
4. The surrender benefits shown above are at the end of the year. Upon payment of surrender benefit, the policy terminates and no further benefit becomes payable.
5. The Premium and the Sum Assured on Maturity stated above is based on the information provided. They may vary as a result of underwriting.
6. Any statutory levy or charges (such as Goods and Service tax) 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. RB - Reversionary Bonus, TB - Terminal Bonus, GA - Guaranteed Additions
#In case cash bonuses have been paid out, the same (alongwith Guaranteed survival benefit) shall be deducted from the Surrender Values indicated, at the time of pay
out.

I VAMSI KRISHNA BAYYARAPU, have explained the premiums charges and benefits I SMART INVESTOR ,having received the information with respect to the above, have
under 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

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