02-03-2022

Quote No : qb1o2wil6thyy

Benefit Illustration for HDFC Life ProGrowth Plus

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your
HDFC Life ProGrowth Plus

DETAILS
Proposal No:
Name of the Prospect/Policyholder: HARSH MOHAN Name of Product: HDFC Life ProGrowth Plus
A Unit Linked Non-Participating Life
Age: 33 years* Tag Line:
Insurance Plan
Name of Life Assured: HARSH MOHAN Unique Identification No: 101L081V05
Age: 33 years* GST Rate: 18%
Sum Assured: Rs.700000 Investment Strategy opted for: 100% Equity oriented
Policy Term & Premium Payment Term: 10 year(s) & 10 year(s)
Amount of Instalment Premium: Rs.70000
Mode of payment of Premium: Annual

Funds opted for along with their risk level:

Fund Risk Level Fund SFIN Fund Allocation (%)

Conservative Fund Low ULIF05801/08/13ConsertvFd101 0

Bond Fund Low ULIF05601/08/13Bond Funds101 0

Income Fund Medium ULIF03401/01/10IncomeFund101 0
Balanced Fund Medium ULIF03901/09/10BalancedFd101 0
Blue Chip Fund High ULIF03501/01/10BlueChipFd101 0

Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0

Equity Plus Fund High ULIF05301/08/13EquityPlus101 0
Opportunities Fund High ULIF03601/01/10OpprtntyFd101 30

Discovery Fund High ULIF06618/01/18DiscvryFnd101 70

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.

PREMIUM AND BENEFIT DETAILS

Sum Assured Benefit Term Premium Paying Term Premium
Benefit Name
(in Rs.) (years) (years) in Rs

HDFC Life ProGrowth Plus - Life Option 700000 10 10 70000

Rider Details

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

HDFC Life Critical Illness Plus Rider 101B014V02 10 Years 10 Years 460000

Premium Summary

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

Instalment Premium without GST 70,000 776 0 0 0 0 70776

Instalment Premium with First Year GST 70,000 916 0 0 0 0 70916

Instalment Premium with GST 2nd Year Onwards 70,000 916 0 0 0 0 70916

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

Annualized Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity 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 70,000 1,178 8,577 1,756 60,953 56,638 7,00,000 1,176 8,595 1,759 63,400 58,911 7,00,000 10,500

2 70,000 1,083 6,657 1,393 1,26,838 1,23,534 7,00,000 1,074 6,727 1,404 1,34,425 1,31,121 7,00,000 350

3 70,000 976 6,182 1,288 1,96,094 1,93,616 7,00,000 954 6,344 1,314 2,11,822 2,09,344 7,00,000 350
4 70,000 864 7,131 1,439 2,67,116 2,65,464 7,00,000 822 7,426 1,485 2,94,251 2,92,599 7,00,000 350

5 70,000 745 8,103 1,593 3,39,953 3,39,953 7,00,000 675 8,578 1,666 3,82,046 3,82,046 7,00,000 350

6 70,000 619 11,551 2,191 4,11,703 4,11,703 7,00,000 511 12,256 2,298 4,72,550 4,72,550 7,00,000 350
7 70,000 483 12,534 2,343 4,85,305 4,85,305 7,00,000 325 13,522 2,492 5,68,977 5,68,977 7,00,000 350

8 70,000 333 13,543 2,498 5,60,821 5,60,821 7,00,000 109 14,870 2,696 6,71,736 6,71,736 7,00,000 350
9 70,000 163 14,577 2,653 6,38,320 6,38,320 7,00,000 0 16,307 2,935 7,81,094 7,81,094 7,81,094 350

10 70,000 59 15,639 2,826 7,17,770 7,17,770 7,35,000 0 17,834 3,210 8,97,334 8,97,334 8,97,334 350

*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 HIMANSHU AGRAWAL, have explained the premiums charges and benefits under I HARSH MOHAN,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
8% p.a Net Yield 5.19% Amount in Rupees
Yield

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

(PAC) (AP)-(PAC)

1 70,000 4,200 65,800 1,176 1,759 3,528 0 0 0 63,484 867 63,400 58,911 7,00,000

2 70,000 1,400 68,600 1,074 1,404 3,528 0 0 0 1,34,604 1,799 1,34,425 1,31,121 7,00,000

3 70,000 0 70,000 954 1,314 3,528 0 0 0 2,12,104 2,816 2,11,822 2,09,344 7,00,000

4 70,000 0 70,000 822 1,485 3,528 0 0 0 2,94,641 3,898 2,94,251 2,92,599 7,00,000
5 70,000 0 70,000 675 1,666 3,528 0 0 0 3,82,553 5,050 3,82,046 3,82,046 7,00,000

6 70,000 0 70,000 511 2,298 6,000 0 0 0 4,73,178 6,256 4,72,550 4,72,550 7,00,000

7 70,000 0 70,000 325 2,492 6,000 0 0 0 5,69,733 7,522 5,68,977 5,68,977 7,00,000

8 70,000 0 70,000 109 2,696 6,000 0 0 0 6,72,628 8,870 6,71,736 6,71,736 7,00,000

9 70,000 0 70,000 0 2,935 6,000 0 0 0 7,82,132 10,307 7,81,094 7,81,094 7,81,094

10 70,000 0 70,000 0 3,210 6,000 0 0 0 8,98,526 11,834 8,97,334 8,97,334 8,97,334

Gross
4% p.a Amount in Rupees
Yield

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

(PAC) (AP)-(PAC)

1 70,000 4,200 65,800 1,178 1,756 3,528 0 0 0 61,034 849 60,953 56,638 7,00,000

2 70,000 1,400 68,600 1,083 1,393 3,528 0 0 0 1,27,007 1,729 1,26,838 1,23,534 7,00,000

3 70,000 0 70,000 976 1,288 3,528 0 0 0 1,96,355 2,654 1,96,094 1,93,616 7,00,000

4 70,000 0 70,000 864 1,439 3,528 0 0 0 2,67,470 3,603 2,67,116 2,65,464 7,00,000

5 70,000 0 70,000 745 1,593 3,528 0 0 0 3,40,404 4,575 3,39,953 3,39,953 7,00,000

6 70,000 0 70,000 619 2,191 6,000 0 0 0 4,12,250 5,551 4,11,703 4,11,703 7,00,000
7 70,000 0 70,000 483 2,343 6,000 0 0 0 4,85,950 6,534 4,85,305 4,85,305 7,00,000

8 70,000 0 70,000 333 2,498 6,000 0 0 0 5,61,567 7,543 5,60,821 5,60,821 7,00,000

9 70,000 0 70,000 163 2,653 6,000 0 0 0 6,39,168 8,577 6,38,320 6,38,320 7,00,000

10 70,000 0 70,000 59 2,826 6,000 0 0 0 7,18,723 9,639 7,17,770 7,17,770 7,35,000

*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 HIMANSHU AGRAWAL, have explained the premiums charges and benefits under I HARSH MOHAN,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 : HDFC Bank

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