Smart Protect Plan

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Do you look at different plans to cater varied needs?

Tax savings
Market linked returns

Protection against death

and disability

Choose different fund options

Fulfill my responsibilities for investment
even if I am not there

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What if you could get a policy that covers all your needs in
one plan?

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 Introducing

HDFC Life Smart Protect Plan

A Non Participating, Individual Life Unit-Linked Insurance Plan

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Product USPs in a nutshell

Higher cover (up

Capital
H to 100x) with
Guarantee
market linked
option available
returns

Comprehensive
Get your charges
protection cover Smart Protect back as loyalty
(Death &
Disability)
Plan additions

Competitive Ease of buying

returns with with no physical
high life cover medicals &
income proof*
*Limits apply

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 Key Differentiators & Sales Pitches

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Pitch 1: Get Protection along with Investment !

Get Higher Sum Assured as Life Enjoy Market Linked Returns through
Insurance Cover & ULIP

Pay 1 Lac premium & Get 1cr cover*

Fund Value at
Maturity

0 1 2 3 4 5 …………………………………………… 30

SA on Death = 1 Crore
1 Cr. Death Benefit

• On Life Assured’s death during PT, higher of Sum Assured or Fund Value is payable, and the policy terminates

• On Life Assured’s survival till the end of PT, Fund Value is payable as Maturity Benefit, and the policy terminates

*Sum Assured multiple depends on Age, PPT and PT chosen. Max multiple allowed is 100x

7 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Pitch 2: Comprehensive Protection – a 3-in-1 plan
Comprehensive Protection Benefits - a 3 in 1 Plan

R I P

Death due to Natural Causes Death due to Accident Accidental Total & Permanent Disability

Get 100% of Sum Assured on Death Get additional amount equal to 100% of Get 1% of ATPD Sum Assured per month for
Accidental Death Cover 10 years

Note: Accidental Death & Disability covers are mandatory riders.

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Pitch 3: Happiness ka no end… Jab saare charges honge refund !
Get Return of charges as Loyalty Additions

Industry First

From Policy Year 10 to 13 At Maturity

• Return of 2X Premium Allocation • Return of Fund Management Charge
Charge, deducted in year 1 to 4 • Return of 2X Investment Guarantee Charge

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 20 25 30 35 40
End of Policy Term

From Policy Year 11 to 30 From Policy Year 31 to 40

• Return of 2X Mortality Charge, • Return of 3X Mortality Charge,
deducted in year 1 to 20 deducted in year 21 to 30

Note: Return of charges are excluding GST. Applicable for in-force policies where all due premiums have been paid.

9 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Pitch 4: Choose the Multiple of your Life Cover
Decide the Multiple of your Life Cover
Choose up to 100X Cover

Sum Assured Multiple 10X 50X 100X

Sum Assured Rs. 1 Cr Rs. 1 Cr Rs. 1 Cr

Annual Premium Rs.10 Lac Rs.2 Lac Rs. 1 Lac

IRR at 8% 6.87%* 6.77% 6.70%

Focus on Protection by providing higher cover with competitive returns

For Age 30, PPT=PT=40yrs, Level Cover plan option

*Post tax IRR will be lower as per individual’s tax slab

10 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Pitch 5: Flexibility to choose a plan that suit your needs !

A. B.
Level Cover Level Cover with Capital Guarantee
• Get Level cover throughout the PT, and • Get Level cover throughout the PT,
• Enjoy market linked returns • Enjoy market linked returns, and
• Get Capital Guarantee

C. D.
Decreasing Cover Decreasing Cover with Capital Guarantee
• Flexibility to reduce your cover post certain period, • Flexibility to reduce your cover post certain period,
and • Enjoy market linked returns, and
• Enjoy market linked returns • Get Capital Guarantee

11 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Decreasing Cover option for maximizing returns under Limited pay…

Flexibility to Decrease your Life Cover

&
IRR Comparison

12 Pay 40 PT

Earn Higher Returns through Decreasing Age Premium SA Multiple Level Cover Decreasing Cover
Cover
30 1,00,000 100 6.37% 6.55%
35 1,00,000 100 6.23% 6.59%
40 1,00,000 100 5.87% 6.55%
45 1,00,000 70 6.22% 6.52%
 Sum Assured is Rs. 1 Cr.
 For Decreasing Cover plan option, Reducing Cover is post age 60 years.
 IRR at assumed investment return of 8%

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Ease of buying journey - No medicals & income proof
Feature Description

Maximum Sum Assured Resident Indian NRI/ OCI/ PIO

(Main benefit - at Client level)
Rs. 1 Cr Rs. 2.25 Cr

Resident Indian NRI/ OCI/ PIO

VMER Limits 18 to 40 years: Rs. 2.25 Cr
18 to 45 years: Rs. 1 Cr
41 to 45 years: Rs. 1.5 Cr

No minimum criteria
Minimum Income and Education
Income multiple factor (i.e. HLV as per age) apply

Financial / Income Proof No income proof required for Total Cover <=1 Cr

Occupation Salaried & Self employed

 For VMER Limit - Other general underwriting criteria like excluding previous adverse, current adverse medical disclosure, habit s, BMI etc to apply. All
location allowed except Negative Pin Code.
 Application which not eligible for VMER then Physical Medical as per Term Grid is mandatory.
 Physical Risk Verif ication mandatory if RAG Score is Red or Amber with Negative Pin Code.
 Login of NRI/OCI/PIO subject to sourced from allowed countries.
 For Financial waiver it will be TC (total cover on life to be insured across all Insurance Companies) and for VMER it will be C24 (Policies taken with HDFC
Life in last 2 years excl. pension and annuity)
 Underwriting discretion applicable over and above
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 WHO can buy HDFC Life
Smart Protect Plan?

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 Eligibility criteria for 3-in-1 solution
Parameters Minimum Maximum

Age at Entry 18 years 60 years

Base ULIP: 100 years

Age at Maturity 43 years
ADC & IBAD Riders: 75 years
Level Cover options (A & B): Limited Pay (5 to 12 years), Regular Pay
Premium Payment Term
Decreasing Cover options (C & D): Limited Pay (5 to 12 years)

Policy Term 25 years 40 years

Base ULIP: 1Cr (Resident Indian) & 2.25 Cr ((NRI / OCI / PIO)
Sum Assured 50 Lac Riders - ADC: 1 Cr & IBAD: 2 Cr
(Above limits are as per BAUP)

Sum Assured multiple 10x 100x depending on Age, Premium, PPT & PT*

Annual: 50,000
Premium (Base ULIP) As per BAUP
Monthly: 4,500 (5 & 6 pay) | 4,167 (>=7 pay)

Premium Payment Mode Annual, Half Yearly, Quarterly and Monthly

Note: 3-in-1 solution includes base ULIP, Accidental Death Cover (ADC) under Protect Plus Rider and Income Benefit on Accidental Disability (IBAD) Rider.
Rider PPT shall be same as base plan PPT. Rider PT shall be same as base plan PT, subject to rider’s maximum age at maturity. In case of Option C & D (Decreasing Cover options),
riders shall be offered during Level Cover Period only.

*Maximum Sum Assured multiple grids in Annexure for reference.

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Target segments for 3-in-1 solution

1. 2. 3.

Individuals looking for a cost efficient Individuals who are looking for all-in- Individuals aged 18 to 45 years who
ULIP along with tax benefits to fulfill one plan that provides 3-in-1 want ease of buying journey with no
long term goals like wealth creation, comprehensive protection against physical medicals & income proofs.
fund accumulation for children higher death / disability along w ith market
education & retirement. linked returns.

Core target age group for the product: 18 to 45 years

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 Returns (IRR)

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Smart Protect Plan – Level Cover
IRR & SA Multiple for 50L & 1Cr SA
SA - 50 Lakh

A ge/ PT 25 30 35 40 A ge/ PT 25 30 35 40 A ge/ PT 25 30 35 40 A ge/ PT 25 30 35 40

5.73% 5.72% 5.88% 5.87% 5.78% 5.75% 5.92% 6.13% 5.95% 5.94% 6.09% 6.28% 6.28% 6.38% 6.55% 6.64%
30 30 30 30
(50) (50) (50) (60) (100) (100) (100) (100) (100) (100) (100) (100) (100) (100) (100) (100)

5.23% 5.30% 5.62% 5.92% 5.36% 5.43% 5.76% 5.91% 5.42% 5.50% 5.83% 6.13% 5.92% 6.16% 6.48% 6.64%
35 35 35 Regular 35
5 Pay (50) (50) (50) (50) 10 Pay (90) (90) (90) (100) 12 Pay (100) (100) (100) (100) (100) (100) (100) (100)
Pay
5.79% 5.95% 6.23% 6.05% 5.19% 5.39% 5.79% 6.18% 5.18% 5.40% 5.81% 5.98% 5.34% 5.79% 6.32% 6.61%
40 40 40 40
(30) (30) (30) (40) (70) (70) (70) (70) (80) (80) (80) (90) (100) (100) (100) (100)

5.79% 6.01% 6.34% 6.50% 5.38% 5.65% 6.11% 6.45% 5.21% 5.50% 6.00% 6.54% 4.33% 4.93% 5.94% 6.52%
45 45 45 45
(25) (25) (25) (25) (50) (50) (50) (50) (60) (60) (60) (50) (100) (100) (100) (100)

SA - 1 Cr

A ge/ PT 25 30 35 40 A ge/ PT 25 30 35 40 A ge/ PT 25 30 35 40 A ge/ PT 25 30 35 40

5.50% 5.47% 5.69% 5.31% 5.84% 5.84% 6.03% 6.24% 6.00% 6.02% 6.18% 6.37% 6.32% 6.43% 6.61% 6.70%
30 30 30 30
(70) (70) (70) (100) (100) (100) (100) (100) (100) (100) (100) (100) (100) (100) (100) (100)

5.58% 5.66% 5.95% 5.60% 5.21% 5.31% 5.70% 6.04% 5.47% 5.59% 5.93% 6.23% 5.97% 6.22% 6.54% 6.69%
35 35 35 Regular 35
5 Pay (50) (50) (50) (70) 10 Pay (100) (100) (100) (100) 12 Pay (100) (100) (100) (100) (100) (100) (100) (100)
Pay
5.48% 5.65% 6.00% 5.89% 4.96% 5.19% 5.66% 5.49% 4.94% 5.20% 5.68% 5.87% 5.39% 5.85% 6.39% 6.66%
40 40 40 40
(40) (40) (40) (50) (80) (80) (80) (100) (90) (90) (90) (100) (100) (100) (100) (100)

5.60% 5.82% 6.24% 6.56% 5.61% 5.88% 6.32% 6.60% 5.40% 5.70% 6.19% 6.32% 4.39% 5.13% 6.02% 6.59%
45 45 45 45
(30) (30) (30) (30) (50) (50) (50) (50) (60) (60) (60) (70) (100) (100) (100) (100)

Figures in ( ) indicate the SA Multiple

IRRs calculated @8% gross return

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Smart Protect Plan – Decreasing Cover
IRR & SA Multiple for 50L & 1Cr SA
SA - 50 Lakh

A ge/ PT 25 30 35 40 A ge/ PT 25 30 35 40 A ge/ PT 25 30 35 40

6.11%* 6.09%* 6.04% 6.19% 6.27%* 6.21%* 6.12% 6.40% 6.37%* 6.32%* 6.24% 6.47%
30 30 30
(50) (50) (50) (60) (100) (100) (100) (100) (100) (100) (100) (100)

5.93%* 5.64% 6.10% 6.32% 6.11%* 5.78% 6.26% 6.45% 6.17%* 5.85% 6.31% 6.51%
35 35 35
5 Pay (50) (50) (50) (50) 10 Pay (90) (90) (90) (100) 12 Pay (100) (100) (100) (100)

6.04% 6.28% 6.43% 6.35% 5.66% 6.08% 6.38% 6.45% 5.66% 6.10% 6.41% 6.48%
40 40 40
(30) (30) (30) (40) (70) (70) (70) (70) (80) (80) (80) (90)

6.30% 6.43% 6.45% 6.45% 6.15% 6.36% 6.43% 6.44% 5.69% 6.34% 6.43% 6.48%
45 45 45
(25) (25) (25) (25) (50) (50) (50) (50) (60) (60) (60) (50)

SA - 1 Cr

A ge/ PT 25 30 35 40 A ge/ PT 25 30 35 40 A ge/ PT 25 30 35 40

6.08%* 6.05%* 5.96% 6.08% 6.32%* 6.29%* 6.22% 6.49% 6.42%* 6.39%* 6.33% 6.55%
30 30 30
(70) (70) (70) (100) (100) (100) (100) (100) (100) (100) (100) (100)

6.22%* 5.95% 6.36% 6.40% 6.08%* 5.73% 6.29% 6.54% 6.22%* 5.93% 6.39% 6.59%
35 35 35
5 Pay (50) (50) (50) (70) 10 Pay (100) (100) (100) (100) 12 Pay (100) (100) (100) (100)

5.89% 6.24% 6.50% 6.51% 5.53% 6.05% 6.43% 6.51% 5.53% 6.06% 6.45% 6.55%
40 40 40
(40) (40) (40) (50) (80) (80) (80) (100) (90) (90) (90) (100)

6.31% 6.50% 6.55% 6.55% 6.33% 6.53% 6.57% 6.56% 6.25% 6.48% 6.55% 6.52%
45 45 45
(30) (30) (30) (30) (50) (50) (50) (50) (60) (60) (60) (100)

Figures in ( ) indicate the SA Multiple

Decreasing cover is post 60 years except * marked cells
*Decreasing cover is in last 10 policy years since the maturity age is <=60 years
IRRs calculated @8% gross return

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 Thank You

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 Annexures

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 How does Smart Protect Plan work?

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Plan Options
The plan offers the below options to choose from:

Level Cover

Level Cover with Capital

Guarantee

HDFC Life Smart Protect Plan

Decreasing Cover

Decreasing Cover with Capital

Guarantee

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 1. Level Cover
Benefits Payable: Life Cover / Maturity Benefit

Death Benefit Maturity Benefit

How the benefits are payable How the benefits are payable
Payable as Lumpsum Payable as Lumpsum

When the benefits are payable When the benefits are payable
On death of Life Assured during the policy term On survival of Life Assured till the maturity date

How much the benefits are payable How much the benefits are payable
Highest of: Fund Value at Maturity
a) Total Sum Assured less Partial Withdrawals, *if any,
b) Fund Value
c) 105% of Total Premiums Paid

* The partial withdrawals to be deducted from Total Sum Assured shall be all partial withdrawals (except from top -up fund value) made during two-year period immediately preceding the date of death.
Total Premiums Paid is the total of all the premiums received, excluding any extra premium, any rider premium and taxes
Total Sum Assured is Basic Sum Assured plus any additional Sum Assured in respect of Top -ups,

24 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
1. Level Cover - Example
Ram, 30 years old, buys Level Cover of HDFC Life Smart Protect Plan, with a PPT of 10 years and a PT of 40 years, he chooses a Sum Assured
of Rs. 1 Cr., by paying a premium of Rs. 1 Lakh annually.

0 1 2 3 4 5 6 7 8 9 40

Total Premiums Paid Lumpsum Benefit, on Ram’s

survival till maturity
Rs. 10,00,000
Rs. 86,95,258 at 8%

Death Benefit on Ram’s Death during PT

Rs. 1 Cr. or Fund Value, whichever is higher

25 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 2. Level Cover with Capital Guarantee
Benefits Payable: Life Cover / Maturity Benefit with Capital Guarantee

Death Benefit Maturity Benefit

How the benefits are payable How the benefits are payable
Payable as Lumpsum Payable as Lumpsum

When the benefits are payable When the benefits are payable
On death of Life Assured during the policy term On survival of Life Assured till the maturity date

How much the benefits are payable How much the benefits are payable
Highest of: Higher of:
a) Total Sum Assured less Partial Withdrawals, * if any a) Fund Value at Maturity
b) Fund Value b) Assured Benefit on Maturity
c) 105% of Total Premiums Paid

* The partial withdrawals to be deducted from Total Sum Assured shall be all partial withdrawals (except from top -up fund value) made during two-year period immediately preceding the date of death.
Total Premiums Paid is the total of all the premiums received, excluding any extra premium, any rider premium and taxes
Total Sum Assured is Basic Sum Assured plus any additional Sum Assured in respect of Top -ups
Assured Benefit is Total Premiums Paid less Total Premiums Paid less Total Partial Withdrawals made (if any)

26 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
2. Level Cover with Capital Guarantee - Example
Ram, 30 years old, buys Level Cover with Capital Guarantee of HDFC Life Smart Protect Plan, with a PPT of 10 years and a PT of 40 years, he
chooses a Sum Assured of Rs. 1 Cr., by paying a premium of Rs. 1 Lakh annually.

0 1 2 3 4 5 6 7 8 9 40

Total Premiums Paid Lumpsum Benefit, on Ram’s

survival till maturity

Rs. 78,27,302 at 8%
Rs. 10,00,000

Min. Assured Benefit on Maturity = Rs. 10,00,000 #

Death Benefit on Ram’s Death during PT

Rs. 1 Cr. or Fund Value, whichever is higher

# Assuming he hasn’t made any partial withdrawals during the policy term

27 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 3. Decreasing Cover (1/2)
Benefits Payable: Life Cover / Maturity Benefit

Sum Assured will reduce, subject to the Level Cover period Mr. Kapoor, 30 years old, has purchased HDFC Life Smart Protect
chosen by the policyholder Decreasing Cover with 1 Cr Sum Assured, (Premium Rs. 1 Lakh p.a.),
having level cover period up to 60 and reducing cover for next 10 years.
Level Cover Period:
Age 30
• Initial policy year(s) during which life cover would remain level Age SA Factor
• Can be between PPT to ‘Policy Term - 5’ year
Up to 60 100x
…
61 90x
From the policy year immediately following the ‘Level Cover Period’,
62 80x
the Sum Assured would decrease uniformly every year, subject to it
63 70x
being >= Minimum Sum Assured at any point of time. … 64 60x
Mr. Kapoor passes
away at age 65
65 50x Higher of 50 Lakhs or
Age 60
Fund Value is paid out
66 40x to the nominee
67 30x
Age 65
68 20x

69 10x

Age 70 70 10x

28 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 3. Decreasing Cover (2/2)
Death Benefit Maturity Benefit

How the benefits are payable How the benefits are payable
Payable as Lumpsum Payable as Lumpsum

When the benefits are payable When the benefits are payable
On death of Life Assured during the policy term On survival of Life Assured till the maturity date

How much the benefits are payable How much the benefits are payable
Highest of: Fund Value at Maturity
a) Total Sum Assured less Partial Withdrawals, *if any,
b) Fund Value
c) 105% of Total Premiums Paid

* The partial withdrawals to be deducted from Total Sum Assured shall be all partial withdrawals (except from top -up fund value) made during two-year period immediately preceding the date of death.
Total Premiums Paid is the total of all the premiums received, excluding any extra premium, any rider premium and taxes
Total Sum Assured is Basic Sum Assured plus any additional Sum Assured in respect of Top -ups,

29 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
3. Decreasing Cover - Example
Ram, 30 years old, buys Decreasing Cover of HDFC Life Smart Protect Plan, with a PPT of 10 years and a PT of 40 years, and a Level Cover
Period of 30 years. He chooses a Sum Assured of Rs. 1 Cr., by paying a premium of Rs. 1 Lakh annually.

0 1 2 3 4 5 6 7 8 9 30 40

Total Premiums Paid Lumpsum Benefit, on Ram’s

survival till maturity

Rs. 94,73,347 at 8%
Rs. 10,00,000

Death Benefit on Ram’s Death during Death Benefit on Ram’s Death at age 65
Level Cover Period (post Level Cover Period)
OR
Rs. 1 Cr. or Fund Value, whichever is higher Rs. 50 Lakh or Fund Value, whichever is higher

30 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 4. Decreasing Cover with Capital Guarantee (1/2)
Benefits Payable: Life Cover / Maturity Benefit with Capital Guarantee

Sum Assured will reduce, subject to the Level Cover period Mr. Kapoor, 30 years old, has purchased HDFC Life Smart Protect
chosen by the policyholder Decreasing Cover with Capital Guarantee w ith 1 Cr Sum Assured,
(Premium Rs. 1 Lakh p.a.), having level cover period up to 60 and
Level Cover Period: reducing cover for next 10 years.
Age 30
• Initial policy year(s) during which life cover would remain level Age SA Factor
• Can be between PPT to ‘Policy Term - 5’ year
Up to 60 100x
…
61 90x
From the policy year immediately following the ‘Level Cover Period’,
62 80x
the Sum Assured would decrease uniformly every year, subject to it
63 70x
being >= Minimum Sum Assured at any point of time. … 64 60x
Mr. Kapoor passes
away at age 65
65 50x Higher of 50 Lakhs or
Age 60
Fund Value is paid out
66 40x to the nominee
67 30x
Age 65
68 20x

69 10x

Age 70 70 10x

31 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 4. Decreasing Cover with Capital Guarantee (2/2)
Death Benefit Maturity Benefit

How the benefits are payable How the benefits are payable
Payable as Lumpsum Payable as Lumpsum

When the benefits are payable When the benefits are payable
On death of Life Assured during the policy term On survival of Life Assured till the maturity date

How much the benefits are payable How much the benefits are payable
Highest of: Higher of:
a) Total Sum Assured less Partial Withdrawals, *if any, a) Fund Value at Maturity
b) Fund Value b) Assured Benefit on Maturity
c) 105% of Total Premiums Paid

* The partial withdrawals to be deducted from Total Sum Assured shall be all partial withdrawals (except from top -up fund value) made during two-year period immediately preceding the date of death.
Total Premiums Paid is the total of all the premiums received, excluding any extra premium, any rider premium and taxes
Total Sum Assured is Basic Sum Assured plus any additional Sum Assured in respect of Top -ups,

32 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
4. Decreasing Cover with Capital Guarantee - Example
Ram, 30 years old, buys Decreasing Cover with Capital Guarantee of HDFC Life Smart Protect Plan, with a PPT of 10 years and a PT of 40
years, and a Level Cover Period of 30 years. He chooses a Sum Assured of Rs. 1 Cr., by paying a premium of Rs. 1 Lakh annually.

0 1 2 3 4 5 6 7 8 9 30 40

Total Premiums Paid Lumpsum Benefit, on Ram’s

survival till maturity

Rs. 87,54,126 at 8%
Rs. 10,00,000

Min. Assured Benefit on Maturity = Rs. 10,00,000 #

Death Benefit on Ram’s Death during Death Benefit on Ram’s Death at age 65
Level Cover Period (post Level Cover Period)
OR
Rs. 1 Cr. or Fund Value, whichever is higher Rs. 50 Lakh or Fund Value, whichever is higher

# Assuming he hasn’t made any partial withdrawals during the policy term.

33 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 Loyalty Additions

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 Loyalty Additions (1/3)

Get Loyalty Additions at different points during the policy term!!

Applicable only for in-force policies where all due premiums have been paid.

Loyalty additions offered are:

a)Return of 2X to 3X Mortality Charge
b)Return of 2X Premium Allocation Charge
c) Return of Fund Management Charge
d)Return of 2X Investment Guarantee Charge

Where extra units are allocated, the allocation between the funds in the same proportion as the value of total units held in each
fund at the time of allocation. The additions are not applicable for the charges deducted towards top-up premiums.

35 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 Loyalty Additions (2/3)

a) Return of 2X to 3X Mortality Charge

• Return 2 or 3 times of the mortality charges starting from 11th policy year.
• At the end of each month, 2 or 3 times of the mortality charge (excluding underwriting extra premium and taxes), deducted in
the month which is 120 months prior shall be added to the fund.
• E.g. 2 times of the mortality charge deducted in the first policy month shall be added back in the 121st month.
• The multiple for return of mortality charge would vary depending on the policy year and is as given below:

Policy Year Return of Mortality Charge Multiple

11 to 30 2X
31 to 40 3X
• The addition is in the form of allocation of extra units.
• This shall continue until end of the policy term and does not include the settlement period.

36 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 Loyalty Additions (3/3)

b) Return of 2X Premium Allocation Charge

• 2 times of the premium allocation charges (excluding taxes) shall be returned back in the form of allocation of extra units
• The addition will happen at the end of each of the years between 10 to 13 policy years. 2 times of the premium allocation
charge collected in policy year 1 will be added back at the end of policy year 10 and so on.

c) Return of Fund Management Charge

• At maturity, sum total of FMC charges (excluding taxes) collected throughout the policy will be payable.

d) Return of 2X Investment Guarantee Charge

• This will be applicable only under Option B and D (Level Cover with Capital Guarantee and Decreasing Cover with Capital
Guarantee)
• At maturity, 2 times of sum total of guarantee charges (excluding taxes) collected throughout the policy will be payable

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 Charges

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Charges (1/3)
• The Premium Allocation Charge (as a % of AP) is given below:
Policy Year Year 1 Year 2 Year 3 Year 4 Year 5+
AP < 2.5 Lacs 12% 6% 4% 3% 0%
Premium Allocation Charge AP >= 2.5 Lacs 11% 5% 4% 3% 0%

Premium allocation charge of 2% shall be levied on top-up premiums

• Guaranteed throughout the policy term

• Levied at the time of receipt of premium

• For year 1 to 4:
Nil

• For year 5 and above:

Policy Administration Charge 0.32% per month (maximum cap of 500 per month) of the annualized premium increasing at 5% per annum
on each policy anniversary

• Guaranteed throughout the policy term

• Deducted monthly by cancellation of units

• The Fund Management Charge (as a % of Fund Value) is:

• 1.35% p.a. for all the other funds
Fund Management Charge
• 0.50% p.a. for Discontinued Policy Fund

• Charged on a daily basis

39 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Charges (2/3)
• Mortality charge is calculated as:
Sum at Risk * Mortality Charge Rate
Mortality Charge
• Guaranteed throughout the policy term
• Deducted monthly by cancellation of units.

• The table below provides the discontinuance charge when policy is discontinued in different policy years:
Where the Policy is
Max. Discontinuance Charges for the Max. Discontinuance Charges for the
Discontinued during the
policies having AP upto Rs. 50,000 policies having AP above Rs. 50,000
Policy Year
Lower of 20% of (AP or FV) subject Lower of 6% of (AP or FV) subject
1
to a maximum of Rs. 3000 to a maximum of Rs. 6000
Lower of 15% of (AP or FV) subject to a Lower of 4% of (AP or FV) subject to a
2
maximum of Rs. 2000 maximum of Rs. 5000
Discontinuance Charge Lower of 10% of (AP or FV) subject to a Lower of 3% of (AP or FV) subject to a
3
maximum of Rs. 1500 maximum of Rs. 4000
Lower of 5% of (AP or FV) subject to a Lower of 2% of (AP or FV) subject
4
maximum of Rs. 1000 maximum of Rs. 2000
5 and onwards Nil Nil
Fund Value – Fund Value on the date of discontinuance; AP - Annualized Premium

• Deducted by cancellation of units

• No discontinuance charges are imposed on Top-up premiums.

40 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Charges (3/3)
Partial Withdrawal Charge • Not Applicable

Charge for Fund Switch • Nil

Premium Redirection
• Nil
Charge

• Taxes and other statutory levies as applicable from time to time would be charged , as per the prevailing tax
Statutory Charge
laws.

Miscellaneous Charge • Nil

Investment Guarantee • For Capital Growth and Capital Secure Fund (As a % of Fund Value) – 0.50% p.a.
Charge • Charged on a daily basis

Note:
All the above charges are exclusive of applicable taxes and other statutory levies, if any.

41 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 Funds

This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Fund Options (1/2)
I. Non Capital Guarantee Options (Option A and C)
For Option A (Level Cover) and Option C (Decreasing Cover), the following 5 fund options are available under the product. Policyholder may choose to
invest in one or more of these funds in the proportion they desire and can change this allocation during the policy term.

Money
Fund Name Fund Details Debt Equity Risk
Market

Diversified Equity
Exposure to high potential companies
Fund 0-40% 0-40% 60-100% Very High
across the market cap spectrum
27.36% 26.63%

Discovery Fund
Invest in mid-cap companies 0-10% 0-10% 90-100% Very High
38.87% 36.91%

Equity Advantage Fund Invest in companies across the market

0-20% 0-20% 80-100% Very High
capitalization spectrum
29.00% 26.97%

Invest in select companies across

Sustainable Equity market capitalization, conducting
0-20% 0-20% 80-100% Very High
Fund business in socially responsible manner
and maintaining governance standards
Active allocation across fixed income
Bond Fund 0-60% 40-100% - Moderate
instruments

This indicates the 3 year Fund Returns

This indicates the Benchmark Return on BSE100

This indicates the Benchmark Return on Nifty Mid Cap 100

This indicates the Benchmark Return on BSE200

43
This pre se ntation is strictly for inte rnal use. This should not be use d for solicitation.
Fund Options (2/2)
II. For Capital Guarantee Options (Option B and D)
For the Capital Guarantee options, i.e., Option B (Level Cover with Capital Guarantee) and Option D (Decreasing Cover with Capital Guarantee),
premium received will be allocated in ‘Capital Growth Fund’ and in the ‘Capital Secure Fund’ only. The allocation proportion and any rebalancing in
these funds will be solely determined by the company
Money
Fund Name Fund Details Debt Equity Risk
Market
To generate long term capital
appreciation through investments in
Capital Growth Fund 0-20% 0-20% 80-100% Very High
companies, money market instruments
and fixed income securities
Higher potential returns due to higher
Capital Secure Fund 0-20% 80-100% - Moderate
duration and credit exposure

44 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 Flexibilities

This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Flexibilities (1/3)
• Available under Option A (Level Cover) and Option C (Decreasing Cover)
• Option to switch investment or a part thereof from one fund to another fund(s) during the Policy Term,
Fund Switch
subject to terms and conditions
• Switching between funds is allowed for unlimited number of times

• Available under Option A (Level Cover) and Option C (Decreasing Cover)

Premium Redirection • Option to allocate the future premiums to a different fund or set of funds
• Not allowed if Systematic Transfer Plan (STP) is chosen

• Partial withdrawals are allowed after 5 years of the policy provided the Life Assured is at least 18 years of age
Partial Withdrawal
• The Policyholder can also submit a request for Systematic (recurring) withdrawals during the policy term

• Applicable for plan options A & C i.e. ‘Level Cover’ & ‘Decreasing Cover’ only
• Top-Up premiums can be paid as long as all due premiums have been paid. Minimum Top-up premium is 5k
• Top up Sum Assured will be 1.25x of Top-up premium
• Top-Up premiums are not permitted during the last 5 years of the contract
Top-Up Premium
• Acceptance of Top-Up Premium is subject to prevailing underwriting rules
• Top-Up premiums can be allocated in any proportion between the funds offered as chosen by the policyholder
• Total top-up premiums paid, at any point of time, during the policy term, shall not exceed the sum total of
the regular premiums paid at that point of time

46 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Flexibilities (2/3)
• Settlement option can be availed for maturity benefit, subject to the following conditions:
• Option to take fund value in periodical instalments over a period which may extend up to 5 years
• The first instalment under settlement option will be payable on the date of maturity
• Choice to decide the pay-out frequency and the settlement period
• The proportion of units redeemed per instalment shall be the number of units available at instalment
payout date divided by the number of outstanding instalments
• The Fund Value at Maturity is greater than or equal to Rs 1 Lakh
• In case of settlement period after maturity, the risk cover shall be maintained at 105% of the total
Settlement Option premiums paid. Accordingly, mortality charges will be deducted. The death benefit shall be higher of:
• Total Fund value as on date of death
• 105% of Total premiums paid
• Fund management charge, Switching charge and Mortality charges if any, shall continue to be deducted
during this period . The Insurer shall not levy any other charges
• Partial withdrawals shall not be allowed and Switches will be allowed during this period
• Complete withdrawal may be allowed at any time during this period without levying any charge
• The investment risk will be borne by the Policyholder during this period

At any policy anniversary, the Policyholder will have the option to reduce Sum Assured subject to the following
conditions:
• This would be subject to the minimum Sum Assured limits applicable under the Policy being adhered to
• If opted under Option (C) (Decreasing Cover) or Option (D) (Decreasing Cover with Capital Guarantee),
the Policy will continue with reduced Sum Assured as calculated under this option and no further
Option to Reduce SA decrease of Sum Assured as per Option (C) (Decreasing Cover) or Option (D) (Decreasing Cover with
Capital Guarantee) will be applicable
• In case there is/are any rider(s) attached, the Sum Assured under base Policy has to be at least equal
to the rider Sum Assured
• The request for reducing the Sum Assured should be submitted to the Company at least 15 days before,
but not earlier than 60 days from the Policy Anniversary.

47 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Flexibilities: Systematic Transfer Plan (3/3)
Source Fund

Under Option A and C (Level Cover and Decreasing Cover), Bond Fund
policyholder can also choose to avail Systematic Transfer Plan
(STP), described as follows: DEBT
• Policyho lder can invest all or some part of his investment in Bond
Fund and transfer a fixed amount in regular monthly instalments
into any one of the following funds: Diversified Equity Fund, 12 equal regular
Equity Advantage Fund, Discovery Fund, or Sustainable Equity monthly instalments
Fund
• The transfer w ill be done in 12 equal instalments. The transfer
date can be either 1st or 15th of every month as chosen by the
Policyholder Destination Fund
• At the time of transfer, the required number of units w ill be Diversified
withdrawn from the fund chosen, at the applicable unit value, and Sustainable
Equity Fund Equity Fund
new units will be allocated in the chosen destination fund
• The minimum transfer amount is Rs. 5,000
• The Systematic Transfer Plan will be regularly processed for the
Policyho lder till the Company is notified, through a written
communication, to discontinue the same. Systematic Transfer Plan EQUITY
will not apply if the source Fund Value is less than the chosen
transfer amount Equity
• No additional charges apply on selecting Systematic Transfer Plan Discovery Advantage
Fund Fund

48 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 Riders

This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
Riders
Rider Benefits

HDFC Life Income Benefit on Accidental A benefit equal to 1% of Rider Sum Assured per month for the next 10 years, in case of an
Disability Rider Accidental Total Permanent Disability

A lump sum benefit equal to the Rider Sum Assured shall be payable in case you are diagnosed with
HDFC Life Critical Illness Plus Rider
any of the 19 Critical Illnesses and survive for a period of 30 days following the diagnosis

Option A: Personal Accident Cover

Lump sum/ income benefit on Accidental Death/ ATPD/ APPD

Option B: Accidental Death Cover

In an unforeseen event of death of the Life Assured / Scheme Member due to accident during the
HDFC Life Protect Plus Rider rider term, 100% of the rider sum assured will be paid to the nominee

Option C: Cancer Cover

A lump-sum benefit is payable on diagnosis of cancer
Waiver of premiums for 3 years on diagnosis of early stage cancer

50 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 Maximum SA Multiple Grids

This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 Max SA Multiple Grid (AP < 1,00,000)
PT 25- 30 31-35 36-39 40
PPT\A
5 6 7 8 9 10 11 12 RP 5 6 7 8 9 10 11 12 RP 5 6 7 8 9 10 11 12 RP 5 6 7 8 9 10 11 12 RP
ge
18-20 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
21 90 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100
22 90 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100
23 90 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100
24 90 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100
25 90 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100
26 50 70 90 100 100 100 100 100 100 50 70 90 100 100 100 100 100 100 50 70 90 100 100 100 100 100 100 60 80 100 100 100 100 100 100 100
27 50 70 90 100 100 100 100 100 100 50 70 90 100 100 100 100 100 100 50 70 90 100 100 100 100 100 100 60 80 100 100 100 100 100 100 100
28 50 70 90 100 100 100 100 100 100 50 70 90 100 100 100 100 100 100 50 70 90 100 100 100 100 100 100 60 80 100 100 100 100 100 100 100
29 50 70 90 100 100 100 100 100 100 50 70 90 100 100 100 100 100 100 50 70 90 100 100 100 100 100 100 60 80 100 100 100 100 100 100 100
30 50 70 90 100 100 100 100 100 100 50 70 90 100 100 100 100 100 100 50 70 90 100 100 100 100 100 100 60 80 100 100 100 100 100 100 100
31 30 50 60 70 80 90 100 100 100 30 50 60 70 80 90 100 100 100 40 50 60 80 100 100 100 100 100 40 50 70 90 100 100 100 100 100
32 30 50 60 70 80 90 100 100 100 30 50 60 70 80 90 100 100 100 40 50 60 80 100 100 100 100 100 40 50 70 90 100 100 100 100 100
33 30 50 60 70 80 90 100 100 100 30 50 60 70 80 90 100 100 100 40 50 60 80 100 100 100 100 100 40 50 70 90 100 100 100 100 100
34 30 50 60 70 80 90 100 100 100 30 50 60 70 80 90 100 100 100 40 50 60 80 100 100 100 100 100 40 50 70 90 100 100 100 100 100
35 30 50 60 70 80 90 100 100 100 30 50 60 70 80 90 100 100 100 40 50 60 80 100 100 100 100 100 40 50 70 90 100 100 100 100 100
36 20 30 40 50 60 70 80 80 100 20 30 40 50 60 70 80 80 100 20 30 40 50 60 70 80 90 100 20 30 40 50 60 70 80 90 100
37 20 30 40 50 60 70 80 80 100 20 30 40 50 60 70 80 80 100 20 30 40 50 60 70 80 90 100 20 30 40 50 60 70 80 90 100
38 20 30 40 50 60 70 80 80 100 20 30 40 50 60 70 80 80 100 20 30 40 50 60 70 80 90 100 20 30 40 50 60 70 80 90 100
39 20 30 40 50 60 70 80 80 100 20 30 40 50 60 70 80 80 100 20 30 40 50 60 70 80 90 100 20 30 40 50 60 70 80 90 100
40 20 30 40 50 60 70 80 80 100 20 30 40 50 60 70 80 80 100 20 30 40 50 60 70 80 90 100 20 30 40 50 60 70 80 90 100
41 20 20 30 30 40 50 50 60 100 10 20 30 30 40 50 50 60 100 10 10 20 30 40 40 50 50 100 10 10 20 30 40 40 50 50 100
42 20 20 30 30 40 50 50 60 100 10 20 30 30 40 50 50 60 100 10 10 20 30 40 40 50 50 100 10 10 20 30 40 40 50 50 100
43 20 20 30 30 40 50 50 60 100 10 20 30 30 40 50 50 60 100 10 10 20 30 40 40 50 50 100 10 10 20 30 40 40 50 50 100
44 20 20 30 30 40 50 50 60 100 10 20 30 30 40 50 50 60 100 10 10 20 30 40 40 50 50 100 10 10 20 30 40 40 50 50 100
45 20 20 30 30 40 50 50 60 100 10 20 30 30 40 50 50 60 100 10 10 20 30 40 40 50 50 100 10 10 20 30 40 40 50 50 100
46 10 10 20 20 30 30 30 40 70 10 10 20 20 20 30 30 40 80 0 10 10 10 20 20 30 30 90 0 10 10 10 20 20 30 30 100
47 10 10 20 20 30 30 30 40 70 10 10 20 20 20 30 30 40 80 0 10 10 10 20 20 30 30 90 0 10 10 10 20 20 30 30 100
48 10 10 20 20 30 30 30 40 70 10 10 20 20 20 30 30 40 80 0 10 10 10 20 20 30 30 90 0 10 10 10 20 20 30 30 100
49 10 10 20 20 30 30 30 40 70 10 10 20 20 20 30 30 40 80 0 10 10 10 20 20 30 30 90 0 10 10 10 20 20 30 30 100
50 10 10 20 20 30 30 30 40 70 10 10 20 20 20 30 30 40 80 0 10 10 10 20 20 30 30 90 0 10 10 10 20 20 30 30 100
51 10 10 10 10 20 20 20 30 50 0 10 10 10 20 20 20 20 50 0 0 10 10 10 10 20 20 60 0 0 10 10 10 10 20 20 70
52 10 10 10 10 20 20 20 30 50 0 10 10 10 20 20 20 20 50 0 0 10 10 10 10 20 20 60 0 0 10 10 10 10 20 20 70
53 10 10 10 10 20 20 20 30 50 0 10 10 10 20 20 20 20 50 0 0 10 10 10 10 20 20 60 0 0 10 10 10 10 20 20 70
54 10 10 10 10 20 20 20 30 50 0 10 10 10 20 20 20 20 50 0 0 10 10 10 10 20 20 60 0 0 10 10 10 10 20 20 70
55 10 10 10 10 20 20 20 30 50 0 10 10 10 20 20 20 20 50 0 0 10 10 10 10 20 20 60 0 0 10 10 10 10 20 20 70
56 0 10 10 10 10 10 20 20 40 0 0 10 10 10 10 10 20 40 0 0 0 10 10 10 10 10 40 0 0 0 10 10 10 10 10 50
57 0 10 10 10 10 10 20 20 40 0 0 10 10 10 10 10 20 40 0 0 0 10 10 10 10 10 40 0 0 0 10 10 10 10 10 50
58 0 10 10 10 10 10 20 20 40 0 0 10 10 10 10 10 20 40 0 0 0 10 10 10 10 10 40 0 0 0 10 10 10 10 10 50
59 0 10 10 10 10 10 20 20 40 0 0 10 10 10 10 10 20 40 0 0 0 10 10 10 10 10 40 0 0 0 10 10 10 10 10 50
60 0 10 10 10 10 10 20 20 40 0 0 10 10 10 10 10 20 40 0 0 0 10 10 10 10 10 40 0 0 0 10 10 10 10 10 50

This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 Max SA Multiple Grid (AP >= 1,00,000 & < 2,00,000)
PT 25- 30 31-35 36-39 40
PPT\A
5 6 7 8 9 10 11 12 RP 5 6 7 8 9 10 11 12 RP 5 6 7 8 9 10 11 12 RP 5 6 7 8 9 10 11 12 RP
ge
18-20 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
21 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
22 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
23 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
24 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
25 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
26 70 90 100 100 100 100 100 100 100 70 90 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
27 70 90 100 100 100 100 100 100 100 70 90 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
28 70 90 100 100 100 100 100 100 100 70 90 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
29 70 90 100 100 100 100 100 100 100 70 90 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
30 70 90 100 100 100 100 100 100 100 70 90 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
31 50 60 70 80 100 100 100 100 100 50 60 70 80 100 100 100 100 100 60 70 90 100 100 100 100 100 100 70 80 100 100 100 100 100 100 100
32 50 60 70 80 100 100 100 100 100 50 60 70 80 100 100 100 100 100 60 70 90 100 100 100 100 100 100 70 80 100 100 100 100 100 100 100
33 50 60 70 80 100 100 100 100 100 50 60 70 80 100 100 100 100 100 60 70 90 100 100 100 100 100 100 70 80 100 100 100 100 100 100 100
34 50 60 70 80 100 100 100 100 100 50 60 70 80 100 100 100 100 100 60 70 90 100 100 100 100 100 100 70 80 100 100 100 100 100 100 100
35 50 60 70 80 100 100 100 100 100 50 60 70 80 100 100 100 100 100 60 70 90 100 100 100 100 100 100 70 80 100 100 100 100 100 100 100
36 30 40 50 60 70 80 80 90 100 30 40 50 60 70 80 80 90 100 40 50 60 70 80 90 100 100 100 40 50 60 70 90 100 100 100 100
37 30 40 50 60 70 80 80 90 100 30 40 50 60 70 80 80 90 100 40 50 60 70 80 90 100 100 100 40 50 60 70 90 100 100 100 100
38 30 40 50 60 70 80 80 90 100 30 40 50 60 70 80 80 90 100 40 50 60 70 80 90 100 100 100 40 50 60 70 90 100 100 100 100
39 30 40 50 60 70 80 80 90 100 30 40 50 60 70 80 80 90 100 40 50 60 70 80 90 100 100 100 40 50 60 70 90 100 100 100 100
40 30 40 50 60 70 80 80 90 100 30 40 50 60 70 80 80 90 100 40 50 60 70 80 90 100 100 100 40 50 60 70 90 100 100 100 100
41 20 30 30 40 50 50 60 60 100 20 30 30 40 50 50 60 60 100 20 30 30 40 50 50 60 70 100 20 30 30 40 50 50 60 70 100
42 20 30 30 40 50 50 60 60 100 20 30 30 40 50 50 60 60 100 20 30 30 40 50 50 60 70 100 20 30 30 40 50 50 60 70 100
43 20 30 30 40 50 50 60 60 100 20 30 30 40 50 50 60 60 100 20 30 30 40 50 50 60 70 100 20 30 30 40 50 50 60 70 100
44 20 30 30 40 50 50 60 60 100 20 30 30 40 50 50 60 60 100 20 30 30 40 50 50 60 70 100 20 30 30 40 50 50 60 70 100
45 20 30 30 40 50 50 60 60 100 20 30 30 40 50 50 60 60 100 20 30 30 40 50 50 60 70 100 20 30 30 40 50 50 60 70 100
46 10 20 20 30 30 30 40 40 80 10 20 20 30 30 30 40 40 80 10 10 20 20 30 30 40 40 90 10 10 20 20 30 30 40 40 100
47 10 20 20 30 30 30 40 40 80 10 20 20 30 30 30 40 40 80 10 10 20 20 30 30 40 40 90 10 10 20 20 30 30 40 40 100
48 10 20 20 30 30 30 40 40 80 10 20 20 30 30 30 40 40 80 10 10 20 20 30 30 40 40 90 10 10 20 20 30 30 40 40 100
49 10 20 20 30 30 30 40 40 80 10 20 20 30 30 30 40 40 80 10 10 20 20 30 30 40 40 90 10 10 20 20 30 30 40 40 100
50 10 20 20 30 30 30 40 40 80 10 20 20 30 30 30 40 40 80 10 10 20 20 30 30 40 40 90 10 10 20 20 30 30 40 40 100
51 10 10 10 20 20 20 30 30 50 10 10 10 20 20 20 20 30 60 0 10 10 10 10 20 20 20 60 0 10 10 10 10 20 20 20 70
52 10 10 10 20 20 20 30 30 50 10 10 10 20 20 20 20 30 60 0 10 10 10 10 20 20 20 60 0 10 10 10 10 20 20 20 70
53 10 10 10 20 20 20 30 30 50 10 10 10 20 20 20 20 30 60 0 10 10 10 10 20 20 20 60 0 10 10 10 10 20 20 20 70
54 10 10 10 20 20 20 30 30 50 10 10 10 20 20 20 20 30 60 0 10 10 10 10 20 20 20 60 0 10 10 10 10 20 20 20 70
55 10 10 10 20 20 20 30 30 50 10 10 10 20 20 20 20 30 60 0 10 10 10 10 20 20 20 60 0 10 10 10 10 20 20 20 70
56 0 10 10 10 10 20 20 20 40 0 0 10 10 10 10 20 20 40 0 0 10 10 10 10 10 20 40 0 0 10 10 10 10 10 20 50
57 0 10 10 10 10 20 20 20 40 0 0 10 10 10 10 20 20 40 0 0 10 10 10 10 10 20 40 0 0 10 10 10 10 10 20 50
58 0 10 10 10 10 20 20 20 40 0 0 10 10 10 10 20 20 40 0 0 10 10 10 10 10 20 40 0 0 10 10 10 10 10 20 50
59 0 10 10 10 10 20 20 20 40 0 0 10 10 10 10 20 20 40 0 0 10 10 10 10 10 20 40 0 0 10 10 10 10 10 20 50
60 0 10 10 10 10 20 20 20 40 0 0 10 10 10 10 20 20 40 0 0 10 10 10 10 10 20 40 0 0 10 10 10 10 10 20 50

This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 Max SA Multiple Grid (AP >= 2,00,000)
PT 25- 30 31-35 36-39 40
PPT\A
5 6 7 8 9 10 11 12 RP 5 6 7 8 9 10 11 12 RP 5 6 7 8 9 10 11 12 RP 5 6 7 8 9 10 11 12 RP
ge
18-20 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
21 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
22 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
23 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
24 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
25 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
26 90 100 100 100 100 100 100 100 100 90 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
27 90 100 100 100 100 100 100 100 100 90 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
28 90 100 100 100 100 100 100 100 100 90 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
29 90 100 100 100 100 100 100 100 100 90 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
30 90 100 100 100 100 100 100 100 100 90 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
31 60 70 90 100 100 100 100 100 100 60 70 90 100 100 100 100 100 100 70 90 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100
32 60 70 90 100 100 100 100 100 100 60 70 90 100 100 100 100 100 100 70 90 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100
33 60 70 90 100 100 100 100 100 100 60 70 90 100 100 100 100 100 100 70 90 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100
34 60 70 90 100 100 100 100 100 100 60 70 90 100 100 100 100 100 100 70 90 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100
35 60 70 90 100 100 100 100 100 100 60 70 90 100 100 100 100 100 100 70 90 100 100 100 100 100 100 100 80 100 100 100 100 100 100 100 100
36 40 50 60 70 80 90 90 100 100 40 50 60 70 80 90 90 100 100 50 60 70 80 90 100 100 100 100 50 60 80 90 100 100 100 100 100
37 40 50 60 70 80 90 90 100 100 40 50 60 70 80 90 90 100 100 50 60 70 80 90 100 100 100 100 50 60 80 90 100 100 100 100 100
38 40 50 60 70 80 90 90 100 100 40 50 60 70 80 90 90 100 100 50 60 70 80 90 100 100 100 100 50 60 80 90 100 100 100 100 100
39 40 50 60 70 80 90 90 100 100 40 50 60 70 80 90 90 100 100 50 60 70 80 90 100 100 100 100 50 60 80 90 100 100 100 100 100
40 40 50 60 70 80 90 90 100 100 40 50 60 70 80 90 90 100 100 50 60 70 80 90 100 100 100 100 50 60 80 90 100 100 100 100 100
41 30 30 40 50 50 60 60 70 100 30 30 40 50 50 60 60 70 100 30 40 40 50 60 60 70 70 100 30 40 40 50 60 60 70 70 100
42 30 30 40 50 50 60 60 70 100 30 30 40 50 50 60 60 70 100 30 40 40 50 60 60 70 70 100 30 40 40 50 60 60 70 70 100
43 30 30 40 50 50 60 60 70 100 30 30 40 50 50 60 60 70 100 30 40 40 50 60 60 70 70 100 30 40 40 50 60 60 70 70 100
44 30 30 40 50 50 60 60 70 100 30 30 40 50 50 60 60 70 100 30 40 40 50 60 60 70 70 100 30 40 40 50 60 60 70 70 100
45 30 30 40 50 50 60 60 70 100 30 30 40 50 50 60 60 70 100 30 40 40 50 60 60 70 70 100 30 40 40 50 60 60 70 70 100
46 20 20 30 30 30 40 40 50 80 20 20 30 30 30 40 40 50 80 10 20 20 30 30 40 40 40 100 10 20 20 30 30 40 40 40 100
47 20 20 30 30 30 40 40 50 80 20 20 30 30 30 40 40 50 80 10 20 20 30 30 40 40 40 100 10 20 20 30 30 40 40 40 100
48 20 20 30 30 30 40 40 50 80 20 20 30 30 30 40 40 50 80 10 20 20 30 30 40 40 40 100 10 20 20 30 30 40 40 40 100
49 20 20 30 30 30 40 40 50 80 20 20 30 30 30 40 40 50 80 10 20 20 30 30 40 40 40 100 10 20 20 30 30 40 40 40 100
50 20 20 30 30 30 40 40 50 80 20 20 30 30 30 40 40 50 80 10 20 20 30 30 40 40 40 100 10 20 20 30 30 40 40 40 100
51 10 10 20 20 20 30 30 30 60 10 10 20 20 20 20 30 30 60 10 10 10 10 20 20 20 20 70 10 10 10 10 20 20 20 20 70
52 10 10 20 20 20 30 30 30 60 10 10 20 20 20 20 30 30 60 10 10 10 10 20 20 20 20 70 10 10 10 10 20 20 20 20 70
53 10 10 20 20 20 30 30 30 60 10 10 20 20 20 20 30 30 60 10 10 10 10 20 20 20 20 70 10 10 10 10 20 20 20 20 70
54 10 10 20 20 20 30 30 30 60 10 10 20 20 20 20 30 30 60 10 10 10 10 20 20 20 20 70 10 10 10 10 20 20 20 20 70
55 10 10 20 20 20 30 30 30 60 10 10 20 20 20 20 30 30 60 10 10 10 10 20 20 20 20 70 10 10 10 10 20 20 20 20 70
56 10 10 10 10 10 20 20 20 40 0 10 10 10 10 10 20 20 40 0 10 10 10 10 10 10 20 50 0 10 10 10 10 10 10 20 50
57 10 10 10 10 10 20 20 20 40 0 10 10 10 10 10 20 20 40 0 10 10 10 10 10 10 20 50 0 10 10 10 10 10 10 20 50
58 10 10 10 10 10 20 20 20 40 0 10 10 10 10 10 20 20 40 0 10 10 10 10 10 10 20 50 0 10 10 10 10 10 10 20 50
59 10 10 10 10 10 20 20 20 40 0 10 10 10 10 10 20 20 40 0 10 10 10 10 10 10 20 50 0 10 10 10 10 10 10 20 50
60 10 10 10 10 10 20 20 20 40 0 10 10 10 10 10 20 20 40 0 10 10 10 10 10 10 20 50 0 10 10 10 10 10 10 20 50

This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
 FAQs

This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.
FAQs
• What is the minimum and maximum Sum Assured available under this plan
• Minimum SA is 50 Lac. Maximum SA is 1cr for resident Indian & 2.25cr for NRI / OCI / PIO

• Do ADC & IBAD riders are required to be bought along with Smart Protect Plan?
• As a 3-in-1 solution which provides cover against death (Natural or due to disease or accident) & disability, will need to have base ULIP along ADC & IBAD riders. More
riders can be opted by the customer as per his / her need.

• What maximum rider Sum Assured can I buy?

• Rider Sum Assured can be up to Base ULIP Sum Assured, subject to minimum 50L and maximum of 1cr (ADC) & 2cr (IBAD)

• I am a Housewife, can I buy Smart Protect Plan?

• Life Assured under this plan cannot be a housewife.

• What is Capital Guarantee?

• Capital Guarantee means the Assured Benefit at maturity, which is equal to Total Premiums Paid less Total Partial Withdrawals made (if any).

56 This pre se ntation is strictly for inte rnal use . This should not be use d for solicitation.