Benefit Illustration

(This shall form a part of the policy document)

Na me of Pros pect/Policyholder: ABC Kuma r Pro p o s a l N o :

Age: 26 N a m e o f th e Pro d u ct: S U D Li f e Ce n tu ry R o ya l e
Na me of Life As s ured: ABC Kuma r Ta g Li n e : LiA f Ne oI nn -sLiu nraknece
d N o n - Pa r ci p a n g I n d i vi d u a l S a vi n g s
Pl a n
Age: 26
U n i q u e I d e n fica o n N u m b e r: 142 N 083 V02
Policy Term: 40
Premium Pa yment Term: 12 Pa y 1s t Yea r 4.50%
GST Ra te a nd a pplica ble Ces s , if a ny
Amount of Ins ta lment Premium: 1,00,000 2nd Yea r Onwa rds 2.25%

This benefit illustration is intended to show year-wise premiums and benefits under the policy.
Policy Details
Sum Assured Rs. 10,00,000
Policy Option Base Plan
Sum Assured on Death(at inception of the policy) Rs. 10,00,000

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium w ithout GST 1,00,000 0 1,00,000
Instalment Premium w ith First Year GST 1,04,500 0 1,04,500
Instalment Premium w ith GST 2nd year Onw ards 1,02,250 0 1,02,250

(Amount in Rupees.)

Guaranteed Non Guaranteed

Policy Year Annualized Premium Minimum Guaranteed Surrender Value Special Surrender Value Surrender Benefit
Survival Benefits Other Benefit, if any Maturity Death Benefit
(GSV) (SSV) Max(GSV, SSV)

1 1,00,000 0 0 0 10,00,000 0 0 0
2 1,00,000 0 0 0 10,45,455 70,000 78,526 78,526
3 1,00,000 0 0 0 10,90,909 1,05,000 1,27,448 1,27,448
4 1,00,000 0 0 0 11,36,364 2,00,000 1,83,898 2,00,000
5 1,00,000 0 0 0 11,81,818 2,50,000 2,48,737 2,50,000

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 (Amount in Rupees.)

Guaranteed Non Guaranteed

Policy Year Annualized Premium Minimum Guaranteed Surrender Value Special Surrender Value Surrender Benefit
Survival Benefits Other Benefit, if any Maturity Death Benefit
(GSV) (SSV) Max(GSV, SSV)

6 1,00,000 0 0 0 12,27,273 3,00,000 3,23,090 3,23,090

7 1,00,000 0 0 0 12,72,727 3,50,000 4,08,029 4,08,029
8 1,00,000 0 0 0 13,18,182 4,10,000 5,04,810 5,04,810
9 1,00,000 0 0 0 13,63,636 4,72,500 6,14,827 6,14,827
10 1,00,000 0 0 0 14,09,091 5,37,500 7,39,874 7,39,874
11 1,00,000 0 0 0 14,54,545 6,05,000 8,81,378 8,81,378
12 1,00,000 0 0 0 15,00,000 6,75,000 10,41,691 10,41,691
13 0 0 0 0 15,00,000 6,90,000 11,28,720 11,28,720
14 0 0 0 0 15,00,000 7,05,000 12,23,393 12,23,393
15 0 1,10,670 0 0 15,00,000 7,20,000 13,26,592 13,26,592
16 0 1,10,670 0 0 15,00,000 7,35,000 13,28,315 13,28,315
17 0 1,10,670 0 0 15,00,000 7,50,000 13,30,141 13,30,141
18 0 1,10,670 0 0 15,00,000 7,65,000 13,32,293 13,32,293
19 0 1,10,670 0 0 15,00,000 7,80,000 13,34,393 13,34,393
20 0 1,10,670 0 0 15,00,000 7,95,000 13,36,781 13,36,781
21 0 1,10,670 0 0 15,00,000 8,10,000 13,39,346 13,39,346
22 0 1,10,670 0 0 15,00,000 8,25,000 13,41,988 13,41,988
23 0 1,10,670 0 0 15,00,000 8,40,000 13,45,024 13,45,024
24 0 1,10,670 0 0 15,00,000 8,55,000 13,48,194 13,48,194
25 0 1,10,670 0 0 15,00,000 8,70,000 13,51,815 13,51,815
26 0 1,10,670 0 0 15,00,000 8,85,000 13,55,616 13,55,616
27 0 1,10,670 0 0 15,00,000 9,00,000 13,59,752 13,59,752
28 0 1,10,670 0 0 15,00,000 9,15,000 13,64,368 13,64,368
29 0 1,10,670 0 0 15,00,000 9,30,000 13,69,288 13,69,288
30 0 1,10,670 0 0 15,00,000 9,45,000 13,74,773 13,74,773
31 0 1,10,670 0 0 15,00,000 9,60,000 13,80,891 13,80,891
32 0 1,10,670 0 0 15,00,000 9,75,000 13,87,515 13,87,515

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 (Amount in Rupees.)

Guaranteed Non Guaranteed

Policy Year Annualized Premium Minimum Guaranteed Surrender Value Special Surrender Value Surrender Benefit
Survival Benefits Other Benefit, if any Maturity Death Benefit
(GSV) (SSV) Max(GSV, SSV)

33 0 1,10,670 0 0 15,00,000 9,90,000 13,94,924 13,94,924

34 0 1,10,670 0 0 15,00,000 10,05,000 14,03,170 14,03,170
35 0 1,10,670 0 0 15,00,000 10,20,000 14,12,366 14,12,366
36 0 1,10,670 0 0 15,00,000 10,35,000 14,22,675 14,22,675
37 0 1,10,670 0 0 15,00,000 10,50,000 14,34,257 14,34,257
38 0 1,10,670 0 0 15,00,000 10,65,000 14,47,530 14,47,530
39 0 1,10,670 0 0 15,00,000 10,80,000 14,62,556 14,62,556
40 0 1,10,670 0 15,00,000 15,00,000 10,80,000 14,79,962 14,79,962

Notes:Annualized Premium excludes Underwriting extra premium ,frequency loadings on premiums ,the premiums paid towards the riders ,if any and Goods and Service Tax

Terms and Conditions

1. Surrender Benefit-Surrender of the policy is allowed after first 2 consecutive full years’ premiums have been paid. During the Policy Term, Surrender Value payable will be higher of
Guaranteed Surrender Value and Special Surrender Value.
2. Quantum of benefits in respect of Non-Guaranteed category may vary.
3. Policy values are as of year end.
4. Tax Benefits-Premiums payable and benefits receivable under this plan are eligible for tax benefits as per the prevailing tax laws. w.e.f. from April 01, 2012, to qualify for tax benefit on
premium(s) paid under section 80 C & for tax benefit on maturity/survival proceeds under section 10 (10 D) of the IT Act, 1961, the sum assured should not be less than 10 times the
annualised/single premium. Please consult your tax advisor for details
5. Proposal Deposit-The proposal deposit receipt given in respect of the consideration amount paid to the company does not bind the company to accept the risk on the life of the life proposed
under the proposal for insurance.
6. About Star Union Dai-ichi Life Insurance Company Limited
Star Union Dai-ichi Life insurance is the name of the company and 'SUD Life Century Royale' is only the name of the Plan and does in no way indicate the quality of the policy, its future
prospects or returns.
7. Goods & Services Tax and applicable cess,if any will be charged on premiums as per prevailing tax laws.This is subject to any change in the tax rate.
8. For more details on risk factor, terms and conditions, please read the Sales brochure of the plan carefully before concluding a sale.
In case you require any clarification, please consult your insurance advisor or call our office.

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I, ___________________________ (Name), have explained the I ___________________________ (Name), having received the
premiums, and benefits under the product fully to the prospect / informa on with respect to the above, have understood the above
policyholder. statement before entering into the contract.

Place:
Date: Signature of Agent/ Intermediary/ Official Date: Signature of Prospect / Policyholder