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Illustration Qbdjmahpyvluq
Illustration Qbdjmahpyvluq
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 Immediate Income Sum Assured on Maturity Rs. 5,40,000
Premium Summary
Base CI IB Total Installment
PP Rider (PAC) PP Rider (ADC) PP Rider (CC)
Plan Rider Rider Premium
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, incl TB, incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# TB, if TB, if
if any, @ if 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 45,000 0 0 0 5,40,000 0 0 11,025 0 0 17,550 0 0 0 5,40,000 5,40,000 0 0
2 45,000 0 0 27,000 5,40,000 0 0 11,025 4,500 0 17,550 10,350 0 0 5,40,000 5,40,000 31,500 37,350
3 45,000 0 0 47,250 5,40,000 0 0 11,025 9,450 0 17,550 22,950 0 0 5,40,000 5,40,000 56,700 70,200
4 45,000 0 0 90,000 5,40,000 0 0 11,025 9,000 0 17,550 13,500 0 0 5,40,000 5,40,000 99,000 1,03,500
5 45,000 0 0 1,12,500 5,40,000 0 0 11,025 11,250 0 17,550 28,800 0 0 5,40,000 5,40,000 1,23,750 1,41,300
6 45,000 0 0 1,35,000 5,40,000 0 0 11,025 25,650 0 17,550 49,950 0 0 5,40,000 5,40,000 1,60,650 1,84,950
7 45,000 0 0 1,57,500 5,40,000 0 0 11,025 48,150 0 17,550 76,950 0 0 5,40,000 5,40,000 2,05,650 2,34,450
8 45,000 0 0 2,08,800 5,40,000 0 0 11,025 47,700 0 17,550 81,450 0 0 5,40,000 5,40,000 2,56,500 2,90,250
9 45,000 0 0 2,63,250 5,40,000 0 0 11,025 49,950 0 17,550 90,450 0 0 5,40,000 5,40,000 3,13,200 3,53,700
10 45,000 0 0 3,28,500 5,40,000 0 0 11,025 47,700 0 17,550 96,300 0 0 5,40,000 5,40,000 3,76,200 4,24,800
11 45,000 0 0 3,96,000 5,40,000 0 0 11,025 49,950 0 17,550 1,09,350 0 0 5,40,000 5,40,000 4,45,950 5,05,350
12 45,000 0 0 4,86,000 5,67,000 0 0 11,025 36,450 0 17,550 1,09,350 0 0 5,67,000 5,67,000 5,22,450 5,95,350
13 0 0 0 4,86,000 5,67,000 0 0 11,025 50,850 0 17,550 1,38,600 0 0 5,67,000 5,67,000 5,36,850 6,24,600
14 0 0 0 4,86,000 5,67,000 0 0 11,025 64,800 0 17,550 1,68,750 0 0 5,67,000 5,67,000 5,50,800 6,54,750
15 0 0 0 4,86,000 5,67,000 0 0 11,025 79,200 0 17,550 1,99,800 0 0 5,67,000 5,67,000 5,65,200 6,85,800
16 0 0 0 4,86,000 5,67,000 0 0 11,025 1,16,100 0 17,550 2,56,050 0 0 5,67,000 5,67,000 6,02,100 7,42,050
17 0 0 0 4,86,000 5,67,000 0 0 11,025 1,30,500 0 17,550 2,90,250 0 0 5,67,000 5,67,000 6,16,500 7,76,250
18 0 0 0 4,86,000 5,67,000 0 0 11,025 1,45,350 0 17,550 3,25,350 0 0 5,67,000 5,67,000 6,31,350 8,11,350
19 0 0 0 4,86,000 5,67,000 0 0 11,025 1,59,750 0 17,550 3,62,250 0 0 5,67,000 5,67,000 6,45,750 8,48,250
20 0 0 0 4,86,000 5,67,000 0 0 11,025 1,74,600 0 17,550 4,00,500 0 0 5,67,000 5,67,000 6,60,600 8,86,500
21 0 0 0 4,86,000 5,67,000 0 0 11,025 1,89,450 0 17,550 4,40,100 0 0 5,67,000 5,67,000 6,75,450 9,26,100
22 0 0 0 4,86,000 5,67,000 0 0 11,025 2,04,300 0 17,550 4,81,950 0 0 5,67,000 5,81,850 6,90,300 9,67,950
23 0 0 0 4,86,000 5,67,000 0 0 11,025 2,19,150 0 17,550 5,25,150 0 0 5,67,000 6,07,950 7,05,150 10,11,150
24 0 0 0 4,86,000 5,67,000 0 0 11,025 2,34,000 0 17,550 5,70,600 0 0 5,67,000 6,35,850 7,20,000 10,56,600
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 shall be deducted from the Surrender Values indicated, at the time of pay out.
I PINTU KUMAR PANDIT, have explained the premiums charges and benefits under I SUNIL KUMAR,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:
Note: Kindly note that name of the company has changed from "HDFC Standard Life Insurance Company Limited" to "HDFC Life Insurance Company Limited".