07-10-2022

Quote No : bcxb45bdbab

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: Vijay Aggarwal Name of the Product: HDFC Life Sanchay Par Advantage
Age: 51 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: Vijay Aggarwal
Unique Identification No: 101N136V02
Age: 51
GST Rate: 4.5% for first year
Policy Term 40 year(s)
2.25% second year onwards
Premium Payment Term: 12 year(s)
Amount of Installment Premium(Without GST): 300000
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 Immediate Income Sum Assured on Maturity Rs. 36,00,000

Sum Assured on Death (at inception of

Bonus Type Cash Bonus 36,00,000
the policy) Rs.

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

Instalment Premium without GST 300000 0 0 0 0 0 300000

Instalment Premium with First Year GST 313500 0 0 0 0 0 313500

Instalment Premium with GST 2nd Year

306750 0 0 0 0 0 306750
Onwards
 (Amounts in Rupees.)
Total Benefits
Non Guaranteed Non-Guaranteed Benefits including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit

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

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

1 3,00,000 0 0 0 36,00,000 0 0 63,000 0 0 1,06,500 0 0 0 36,00,000 36,00,000 0 0

2 3,00,000 0 0 1,80,000 36,00,000 0 0 63,000 30,000 0 1,06,500 75,000 0 0 36,00,000 36,00,000 2,10,000 2,55,000

3 3,00,000 0 0 3,15,000 36,00,000 0 0 63,000 45,000 0 1,06,500 1,26,000 0 0 36,00,000 36,00,000 3,60,000 4,41,000
4 3,00,000 0 0 6,00,000 36,00,000 0 0 63,000 60,000 0 1,06,500 60,000 0 0 36,00,000 36,00,000 6,60,000 6,60,000
5 3,00,000 0 0 7,50,000 36,00,000 0 0 63,000 75,000 0 1,06,500 1,56,000 0 0 36,00,000 36,00,000 8,25,000 9,06,000

6 3,00,000 0 0 9,00,000 36,00,000 0 0 63,000 1,29,000 0 1,06,500 2,91,000 0 0 36,00,000 36,00,000 10,29,000 11,91,000
7 3,00,000 0 0 10,50,000 36,00,000 0 0 63,000 2,76,000 0 1,06,500 4,68,000 0 0 36,00,000 36,00,000 13,26,000 15,18,000

8 3,00,000 0 0 13,92,000 36,00,000 0 0 63,000 2,70,000 0 1,06,500 4,98,000 0 0 36,00,000 36,00,000 16,62,000 18,90,000
9 3,00,000 0 0 17,55,000 36,00,000 0 0 63,000 2,85,000 0 1,06,500 5,58,000 0 0 36,00,000 36,00,000 20,40,000 23,13,000
10 3,00,000 0 0 21,90,000 36,00,000 0 0 63,000 2,73,000 0 1,06,500 6,03,000 0 0 36,00,000 36,00,000 24,63,000 27,93,000
11 3,00,000 0 0 26,40,000 36,00,000 0 0 63,000 3,30,000 0 1,06,500 6,96,000 0 0 36,00,000 36,00,000 29,70,000 33,36,000

12 3,00,000 0 0 32,40,000 37,80,000 0 0 63,000 2,13,000 0 1,06,500 7,11,000 0 0 37,80,000 37,80,000 34,53,000 39,51,000
13 0 0 0 32,40,000 37,80,000 0 0 63,000 3,12,000 0 1,06,500 9,15,000 0 0 37,80,000 37,80,000 35,52,000 41,55,000
14 0 0 0 32,40,000 37,80,000 0 0 63,000 4,08,000 0 1,06,500 11,25,000 0 0 37,80,000 37,80,000 36,48,000 43,65,000
15 0 0 0 32,40,000 37,80,000 0 0 63,000 5,10,000 0 1,06,500 13,44,000 0 0 37,80,000 37,80,000 37,50,000 45,84,000
16 0 0 0 32,40,000 37,80,000 0 0 63,000 7,68,000 0 1,06,500 17,46,000 0 0 37,80,000 37,80,000 40,08,000 49,86,000

17 0 0 0 32,40,000 37,80,000 0 0 63,000 8,73,000 0 1,06,500 19,95,000 0 0 37,80,000 37,80,000 41,13,000 52,35,000
18 0 0 0 32,40,000 37,80,000 0 0 63,000 9,78,000 0 1,06,500 22,53,000 0 0 37,80,000 37,80,000 42,18,000 54,93,000
19 0 0 0 32,40,000 37,80,000 0 0 63,000 10,86,000 0 1,06,500 25,26,000 0 0 37,80,000 37,80,000 43,26,000 57,66,000
20 0 0 0 32,40,000 37,80,000 0 0 63,000 11,97,000 0 1,06,500 28,14,000 0 0 37,80,000 39,24,000 44,37,000 60,54,000
21 0 0 0 32,40,000 37,80,000 0 0 63,000 13,08,000 0 1,06,500 31,14,000 0 0 37,80,000 41,16,000 45,48,000 63,54,000

22 0 0 0 32,40,000 37,80,000 0 0 63,000 14,22,000 0 1,06,500 34,29,000 0 0 37,80,000 43,26,000 46,62,000 66,69,000
23 0 0 0 32,40,000 37,80,000 0 0 63,000 15,39,000 0 1,06,500 37,59,000 0 0 37,80,000 45,51,000 47,79,000 69,99,000
24 0 0 0 32,40,000 37,80,000 0 0 63,000 16,56,000 0 1,06,500 41,10,000 0 0 37,80,000 47,94,000 48,96,000 73,50,000
25 0 0 0 32,40,000 37,80,000 0 0 63,000 17,79,000 0 1,06,500 44,76,000 0 0 37,80,000 50,55,000 50,19,000 77,16,000

26 0 0 0 32,40,000 37,80,000 0 0 63,000 19,05,000 0 1,06,500 48,66,000 0 0 37,80,000 53,37,000 51,45,000 81,06,000
27 0 0 0 32,40,000 37,80,000 0 0 63,000 20,34,000 0 1,06,500 52,77,000 0 0 37,80,000 56,40,000 52,74,000 85,17,000
28 0 0 0 32,40,000 37,80,000 0 0 63,000 21,66,000 0 1,06,500 57,09,000 0 0 37,80,000 59,70,000 54,06,000 89,49,000
29 0 0 0 32,40,000 37,80,000 0 0 63,000 23,01,000 0 1,06,500 61,71,000 0 0 37,80,000 63,24,000 55,41,000 94,11,000
30 0 0 0 32,40,000 37,80,000 0 0 63,000 24,36,000 0 1,06,500 66,57,000 0 0 37,89,000 67,05,000 56,76,000 98,97,000

31 0 0 0 32,40,000 37,80,000 0 0 63,000 25,77,000 0 1,06,500 71,13,000 0 0 38,64,000 71,13,000 58,17,000 1,03,53,000
32 0 0 0 32,40,000 37,80,000 0 0 63,000 27,21,000 0 1,06,500 75,57,000 0 0 39,45,000 75,57,000 59,61,000 1,07,97,000
33 0 0 0 32,40,000 37,80,000 0 0 63,000 28,65,000 0 1,06,500 80,34,000 0 0 40,29,000 80,34,000 61,05,000 1,12,74,000
34 0 0 0 32,40,000 37,80,000 0 0 63,000 30,15,000 0 1,06,500 85,50,000 0 0 41,13,000 85,50,000 62,55,000 1,17,90,000
35 0 0 0 32,40,000 37,80,000 0 0 63,000 31,68,000 0 1,06,500 91,05,000 0 0 42,03,000 91,05,000 64,08,000 1,23,45,000

36 0 0 0 32,40,000 37,80,000 0 0 63,000 33,24,000 0 1,06,500 97,02,000 0 0 42,96,000 97,05,000 65,64,000 1,29,42,000
37 0 0 0 32,40,000 37,80,000 0 0 63,000 34,83,000 0 1,06,500 1,03,50,000 0 0 43,92,000 1,03,50,000 67,23,000 1,35,90,000
38 0 0 0 32,40,000 37,80,000 0 0 63,000 36,45,000 0 1,06,500 1,10,43,000 0 0 44,91,000 1,10,46,000 68,85,000 1,42,83,000
39 0 0 0 32,40,000 37,80,000 0 0 63,000 38,10,000 0 1,06,500 1,17,96,000 0 0 45,93,000 1,17,96,000 70,50,000 1,50,36,000
40 0 0 0 0 37,80,000 36,00,000 0 63,000 0 0 1,06,500 0 48,03,000 1,22,88,000 49,47,000 1,32,69,000 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 shall be deducted from the Surrender Values indicated, at the time of pay out.
I , have explained the premiums charges and benefits under the product fully to the I Vijay Aggarwal ,having received the information with respect to the above, have
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".