Benefit Illustration for HDFC Life Click 2 Wealth

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC Life Click 2 Wealth
Details
Nam e of the Prospect /Policyholder: m aya bhatia Proposal No:
Age: 54 Nam e of Product HDFC Life Click 2 W ealth
Nam e of the Life Assured: m aya bhatia Tag Line: A Unit Link ed Non-par Life Insurance Plan
Age: 54 Unique Identification 101L133V02
Sum Assured: 10,00,000 No:
Policy Term & Prem ium Paym ent Term : 10 year(s) and 5 year(s) GST Rate: 18%
Plan O ption: Invest Plus Investm ent Strategy 0 % Debt oriented, 0 % Hybrid oriented,100 %
Am ount of Instalm ent Prem ium : 1,00,000 opted for: Equity oriented
Mode of Paym ent of Prem ium : Yearly
Funds opted for along with their risk level:
Fund Risk Level Fund SFIN Fund A llocation (%)
Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0
Blue Chip Fund High ULIF03501/01/10BlueChipFd101 0
Balanced Fund Medium ULIF03901/09/10BalancedFd101 0
Bond Fund Low ULIF05601/08/13Bond Funds101 0
Discovery Fund High ULIF06618/01/18DiscvryFnd101 0
Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0
O pportunities Fund High ULIF03601/01/10O pprtntyFd101 100
Liquid Fund Low ULIF00102/01/04LiquidFund101 0
Bond Plus Fund Medium ULIF06814/06/19BondPlusFd101 0
Secure Advantage Fund Low ULIF06914/06/19SecAdvFund101 0
How to read and understand this benefit illustration?
This benefit illustration is intended to show what charges are deducted from your prem ium s and how the unit fund, net of charges, m ay 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% p.a. and 4% p.a. are assum ed 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 m entioned corresponds to the gross investm ent return of 8%
p.a., net of all charges but does not consider m ortality, m orbidity charges, underwriting ex tra, if any, guarantee charges and cost of riders, if deducted by cancellation of units. It
dem onstrates the im pact of charges and tax es on the net yield. Please note that the m ortality charges per thousand sum assured in general, increases with age. The actual returns
can vary depending on the perform ance of the chosen fund, charges towards m ortality, m orbidity, underwriting ex tra, cost of riders, etc. The investm ent risk in this policy is borne by
the policyholder, hence, for m ore details on term s and conditions please read sales literature carefully. Part A of this statem ent presents a sum m ary view of year-by-year charges
deducted under the policy, fund value, surrender value and the death benefit, at two assum ed rates of return. Part B of this statem ent presents a detailed break -up of the charges,
and other values.
Part A (A mount in Rupees)
A t 4% p.a. Gross Investment Return A t 8% p.a. Gross Investment Return Commission/
Policy A nnualized Mortality, Mortality, Payable to
Year Premium Morbidity Other GST Fund at End Surrender Death Morbidity Other GST Fund at End Surrender Death Intremediary
Charges Charges* of Year Value Benefit Charges Charges* of Year Value Benefit (Rs)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
1 1,00,000 6,775 323 1,458 95,284 95,284 10,00,000 6,762 351 1,460 99,108 99,108 10,00,000 0
2 1,00,000 6,654 1,628 1,671 1,92,957 1,92,957 10,00,000 6,593 1,737 1,679 2,04,658 2,04,658 10,00,000 0
3 1,00,000 6,381 2,966 1,862 2,93,258 2,93,258 10,00,000 6,224 3,214 1,879 3,17,299 3,17,299 10,00,000 0
4 1,00,000 5,937 4,343 2,030 3,96,453 3,96,453 10,00,000 5,625 4,792 2,055 4,37,760 4,37,760 10,00,000 0
5 1,00,000 5,309 5,760 2,172 5,02,829 5,02,829 10,00,000 4,762 6,482 2,204 5,66,854 5,66,854 10,00,000 0
6 0 5,657 6,831 2,248 5,07,916 5,07,916 10,00,000 4,798 7,874 2,281 5,96,672 5,96,672 10,00,000 0
7 0 6,015 6,897 2,324 5,12,696 5,12,696 10,00,000 4,776 8,291 2,352 6,28,392 6,28,392 10,00,000 0
8 0 6,389 6,959 2,403 5,17,141 5,17,141 10,00,000 4,691 8,735 2,417 6,62,211 6,62,211 10,00,000 0
9 0 6,789 7,016 2,485 5,21,213 5,21,213 10,00,000 4,537 9,208 2,474 6,98,346 6,98,346 10,00,000 0
10 0 7,225 7,068 2,573 5,87,991 5,87,991 10,00,000 4,303 9,715 2,523 7,90,111 7,90,111 10,00,000 0

*See Part B for details.

IN THIS PO LICY, THE INVESTMENT RISK IS BO RNE BY THE PO LICYHO LDER AND THE ABO VE INTEREST RATES ARE O NLY FO R ILLUSTRATIO N PURPO SE

I, _____________ (nam e), have ex plained the prem ium s, charges and I, _____________ (nam e), having received the inform ation with respect to the above,
benefits under the policy fully to the prospect / policyholder. have understood the above statem ent before entering into the contract.

Place : Signature of Agent/ Interm ediary / O fficial

Date : Date : Signature of Prospect/ Policyholder

Part B Gross Yield 8% pa Net Yield 5.84% (A mounts in Rupees)

A nnualized
A nnualized Premium Premium- Policy A dditions Fund Fund at
Policy Premium A llocation Premium Mortality GST A dmin. Guarantee Other to before FMC End Surrender Death
Year (A P) Charge A llocation Charge Charge Charge Charges the fund FMC of Year value Benefit
(PA C) Charges
(A P) - (PA C)
1 1,00,000 (1,000) 1,01,000 6,762 1,460 0 0 351 0 1,00,459 1,351 99,108 99,108 10,00,000

2 1,00,000 (1,000) 1,01,000 6,593 1,679 0 0 1,737 0 2,07,394 2,737 2,04,658 2,04,658 10,00,000
3 1,00,000 (1,000) 1,01,000 6,224 1,879 0 0 3,214 0 3,21,513 4,214 3,17,299 3,17,299 10,00,000
4 1,00,000 (1,000) 1,01,000 5,625 2,055 0 0 4,792 0 4,43,553 5,792 4,37,760 4,37,760 10,00,000
5 1,00,000 (1,000) 1,01,000 4,762 2,204 0 0 6,482 0 5,74,336 7,482 5,66,854 5,66,854 10,00,000
6 0 (0) 0 4,798 2,281 0 0 7,874 0 6,04,546 7,874 5,96,672 5,96,672 10,00,000
7 0 (0) 0 4,776 2,352 0 0 8,291 0 6,36,683 8,291 6,28,392 6,28,392 10,00,000
8 0 (0) 0 4,691 2,417 0 0 8,735 0 6,70,946 8,735 6,62,211 6,62,211 10,00,000
9 0 (0) 0 4,537 2,474 0 0 9,208 0 7,07,554 9,208 6,98,346 6,98,346 10,00,000
10 0 (0) 0 4,303 2,523 0 0 9,715 53,071 7,99,826 9,715 7,90,111 7,90,111 10,00,000

Part B Gross Yield 4% pa (A mounts in Rupees)

A nnualized
A nnualized Premium Premium- Policy A dditions Fund at
Policy Premium A llocation Premium Mortality GST A dmin. Guarantee Other to Fund before FMC End Surrender Death
 Policy Premium A llocation Premium Mortality GST A dmin. Guarantee Other to Fund before FMC End Surrender Death
Year (A P) Charge A llocation Charge Charge Charge Charges the fund FMC of Year value Benefit
(PA C) Charges
(A P) - (PA C)
1 1,00,000 (1,000) 1,01,000 6,775 1,458 0 0 323 0 96,607 1,323 95,284 95,284 10,00,000
2 1,00,000 (1,000) 1,01,000 6,654 1,671 0 0 1,628 0 1,95,585 2,628 1,92,957 1,92,957 10,00,000
3 1,00,000 (1,000) 1,01,000 6,381 1,862 0 0 2,966 0 2,97,225 3,966 2,93,258 2,93,258 10,00,000
4 1,00,000 (1,000) 1,01,000 5,937 2,030 0 0 4,343 0 4,01,795 5,343 3,96,453 3,96,453 10,00,000
5 1,00,000 (1,000) 1,01,000 5,309 2,172 0 0 5,760 0 5,09,589 6,760 5,02,829 5,02,829 10,00,000
6 0 (0) 0 5,657 2,248 0 0 6,831 0 5,14,747 6,831 5,07,916 5,07,916 10,00,000
7 0 (0) 0 6,015 2,324 0 0 6,897 0 5,19,593 6,897 5,12,696 5,12,696 10,00,000
8 0 (0) 0 6,389 2,403 0 0 6,959 0 5,24,100 6,959 5,17,141 5,17,141 10,00,000
9 0 (0) 0 6,789 2,485 0 0 7,016 0 5,28,229 7,016 5,21,213 5,21,213 10,00,000
10 0 (0) 0 7,225 2,573 0 0 7,068 63,131 5,95,060 7,068 5,87,991 5,87,991 10,00,000
*Specify details, if any.
Notes:
1. Refer the Sales Literarure for ex plaination of term s used in this illustration.
2. Fund Managem ent Charge is based on the specific fund option(s) chosen.
3. In case rider charges are collected ex plicitely through collection of rider prem ium , 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, _____________ (nam e), have ex plained the prem ium s, charges and I, _____________ (nam e), having received the inform ation with respect to the above,
benefits under the policy fully to the prospect / policyholder. have understood the above statem ent before entering into the contract.

Place : Signature of Agent/ Interm ediary / O fficial

Date : Date : Signature of Prospect/ Policyholder

Channel Name : Direct - Online

Note: Kindly note that nam e of the com pany has changed from "HDFC Standard Life Insurance Com pany Lim ited" to "HDFC Life Insurance Com pany Lim ited".