06-09-2023

Quote No : bu413jyswux

Benefit Illustration for HDFC Life Smart Protect Plan

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your
HDFC Life Smart Protect Plan

DETAILS
Age is taken as on last birthday Proposal No:
Name of the Prospect/Policyholder: Client Name of Product: HDFC Life Smart Protect Plan
A Unit Linked Non-Participating Individual
Age: 46 years* Tag Line:
Life Insurance Plan
Name of Life Assured: Client Unique Identification No: 101L175V01
Age: 46 years* GST Rate: 18%*
Gender: M Investment Strategy opted for: 100% Equity oriented
Basic Sum Assured (at inception) (Rs.): Rs.5000030
Policy Term & Premium Payment Term: 25 year(s) & 25 year(s)
Plan Option: Level Cover
Amount of Instalment Premium (Rs.) : Rs.71429
Mode of payment of Premium: Annual
Level Cover Period(yrs) (for Decreasing
Cover and Decreasing Cover with Capital
Guarantee):

Funds opted for along with their risk level(For Level Cover and Decreasing Cover Plan Option)
Fund Risk Level Fund SFIN Fund Allocation (%)

Diversified Equity Fund Very High ULIF05501/08/13DivrEqtyFd101 0

Bond Fund Moderate ULIF05601/08/13Bond Funds101 0

Discovery Fund Very High ULIF06618/01/18DiscvryFnd101 100
Equity Advantage Fund Very High ULIF06723/03/18EqtyAdvtFd101 0
Sustainable Equity Fund Very High ULIF07019/07/21SustnblEqF101 0

Rider Details

Rider Name Rider UIN Rider PPT Rider PT Rider Sum Assured Rs.

Income Benefit on Accidental Disability Rider 101B013V03 25 Years 25 Years 5000000

HDFC Life Protect Plus rider - Accidental Death Cover 101B016V01 300 Months 300 Months 5000000

Premium Summary

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

Instalment Premium without GST 71,429 0 1400 0 2500 0 75,329

Instalment Premium with GST 71,429 0 1652 0 2950 0 76,031

How to read and understand this benefit illustration? This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of
charges and taxes, may 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 assumed 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 mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges, underwriting extra, if any, guarantee
charges and cost of riders, if deducted by cancellation of units. It demonstrates the impact of charges and taxes on the net yield. Please note that the mortality charges per thousand
sum assured in general, increases with age.
The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of riders, etc. The investment risk in
this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales literature carefully.
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 illustration 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 dependanton a number of factors including future investment performance.
Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death benefit, at two assumed rates of
return. Part B of this statement presents a detailed break-up of the charges, and other values.

PART A
At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intermediary
Charges Year Charges Year
(Rs)

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

1 71,429 11,983 9,306 3,832 48,440 45,010 50,00,030 11,980 9,321 3,834 50,559 46,980 50,00,030 25,000

2 71,429 13,171 5,742 3,404 1,01,778 98,406 50,00,030 13,160 5,803 3,413 1,08,237 1,04,865 50,00,030 357
 At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intermediary
Charges Year Charges Year
(Rs)

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

3 71,429 14,536 5,054 3,526 1,56,467 1,53,938 50,00,030 14,507 5,191 3,546 1,69,692 1,67,163 50,00,030 357

4 71,429 16,085 5,086 3,811 2,11,456 2,09,770 50,00,030 16,026 5,334 3,845 2,34,058 2,32,372 50,00,030 357

5 71,429 17,818 6,434 4,365 2,64,980 2,64,980 50,00,030 17,712 6,829 4,417 2,99,759 2,99,759 50,00,030 357
6 71,429 19,736 7,286 4,864 3,17,309 3,17,309 50,00,030 19,560 7,866 4,937 3,67,174 3,67,174 50,00,030 357

7 71,429 21,799 8,127 5,387 3,68,234 3,68,234 50,00,030 21,525 8,933 5,482 4,36,259 4,36,259 50,00,030 357

8 71,429 23,987 8,954 5,929 4,17,564 4,17,564 50,00,030 23,579 10,029 6,049 5,07,001 5,07,001 50,00,030 357
9 71,429 26,258 9,767 6,484 4,65,152 4,65,152 50,00,030 25,673 11,156 6,629 5,79,446 5,79,446 50,00,030 357

10 71,429 28,581 10,563 7,046 5,28,030 5,10,887 50,00,030 27,768 12,315 7,215 6,70,835 6,53,692 50,00,030 357
11 71,429 30,728 11,728 7,642 6,05,265 5,94,694 50,00,030 29,626 13,900 7,835 7,81,566 7,70,995 50,00,030 357

12 71,429 32,805 12,963 8,238 6,81,163 6,73,251 50,00,030 31,334 15,628 8,453 8,96,526 8,88,616 50,00,030 357

13 71,429 34,844 14,192 8,827 7,57,513 7,50,801 50,00,030 32,911 17,427 9,061 10,17,904 10,11,199 50,00,030 357
14 71,429 36,840 15,440 9,410 8,31,880 8,29,196 50,00,030 34,334 19,330 9,660 11,43,775 11,41,103 50,00,030 357

15 71,429 38,849 16,672 9,994 9,08,849 9,05,874 50,00,030 35,639 21,309 10,251 12,79,183 12,76,230 50,00,030 357

16 71,429 40,861 17,953 10,587 9,88,835 9,85,540 50,00,030 36,789 23,435 10,840 14,25,237 14,21,975 50,00,030 357
17 71,429 42,915 19,288 11,197 10,72,143 10,68,502 50,00,030 37,789 25,723 11,432 15,83,018 15,79,429 50,00,030 357

18 71,429 45,046 20,680 11,831 11,58,995 11,54,988 50,00,030 38,626 28,189 12,027 17,53,629 17,49,699 50,00,030 357

19 71,429 47,294 22,134 12,497 12,49,488 12,45,101 50,00,030 39,283 30,849 12,624 19,38,166 19,33,888 50,00,030 357

20 71,429 49,691 23,649 13,201 13,43,621 13,38,845 50,00,030 39,720 33,717 13,219 21,37,761 21,33,134 50,00,030 357
21 71,429 52,267 25,224 13,948 14,40,893 14,35,770 50,00,030 39,873 36,810 13,803 23,53,202 23,48,281 50,00,030 357

22 71,429 55,045 26,569 14,691 15,41,321 15,35,853 50,00,030 39,648 39,855 14,310 25,85,971 25,80,771 50,00,030 357

23 71,429 58,035 27,943 15,476 16,44,665 16,38,858 50,00,030 38,912 43,132 14,768 28,37,528 28,32,071 50,00,030 357

24 71,429 61,238 29,354 16,306 17,50,649 17,44,511 50,00,030 37,487 46,675 15,149 31,09,577 31,03,892 50,00,030 357

25 71,429 64,655 30,799 17,182 21,37,282 18,52,638 50,00,030 35,147 50,511 15,419 38,20,816 33,98,390 50,00,030 357

*See Part B for details.

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATIVE PURPOSE.

I, , have explained the premiums, charges and benefits under the policy fully to the I, Client ,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

PART B
Gross
8% p.a Net Yield 8.22% Amount in Rupees
Yield

Annualized
Premium Premium
Annualized Allocation -Premium
Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation Charge GST FMC
Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge

(PAC) (AP)-(PAC)

1 71,429 8,571 62,858 11,980 3,834 0 0 0 0 50,626 750 50,559 46,980 50,00,030

2 71,429 4,286 67,143 13,160 3,413 0 0 0 0 1,08,380 1,517 1,08,237 1,04,865 50,00,030
3 71,429 2,857 68,572 14,507 3,546 0 0 0 0 1,69,917 2,334 1,69,692 1,67,163 50,00,030

4 71,429 2,143 69,286 16,026 3,845 0 0 0 0 2,34,369 3,191 2,34,058 2,32,372 50,00,030

5 71,429 0 71,429 17,712 4,417 2,743 0 0 0 3,00,158 4,086 2,99,759 2,99,759 50,00,030

6 71,429 0 71,429 19,560 4,937 2,880 0 0 0 3,67,662 4,986 3,67,174 3,67,174 50,00,030

7 71,429 0 71,429 21,525 5,482 3,024 0 0 0 4,36,838 5,909 4,36,259 4,36,259 50,00,030

8 71,429 0 71,429 23,579 6,049 3,175 0 0 0 5,07,674 6,854 5,07,001 5,07,001 50,00,030
9 71,429 0 71,429 25,673 6,629 3,334 0 0 0 5,80,216 7,822 5,79,446 5,79,446 50,00,030

10 71,429 0 71,429 27,768 7,215 3,501 0 0 17,143 6,54,560 8,814 6,70,835 6,53,692 50,00,030

11 71,429 0 71,429 29,626 7,835 3,676 0 0 32,532 7,72,020 10,224 7,81,566 7,70,995 50,00,030

12 71,429 0 71,429 31,334 8,453 3,859 0 0 32,034 8,89,797 11,769 8,96,526 8,88,616 50,00,030

13 71,429 0 71,429 32,911 9,061 4,052 0 0 33,300 10,12,542 13,375 10,17,904 10,11,199 50,00,030
14 71,429 0 71,429 34,334 9,660 4,255 0 0 32,052 11,42,619 15,075 11,43,775 11,41,103 50,00,030

15 71,429 0 71,429 35,639 10,251 4,468 0 0 35,424 12,77,925 16,841 12,79,183 12,76,230 50,00,030

16 71,429 0 71,429 36,789 10,840 4,691 0 0 39,119 14,23,864 18,744 14,25,237 14,21,975 50,00,030

17 71,429 0 71,429 37,789 11,432 4,926 0 0 43,050 15,81,528 20,797 15,83,018 15,79,429 50,00,030

18 71,429 0 71,429 38,626 12,027 5,172 0 0 47,157 17,52,024 23,017 17,53,629 17,49,699 50,00,030

19 71,429 0 71,429 39,283 12,624 5,431 0 0 51,346 19,36,457 25,418 19,38,166 19,33,888 50,00,030
 Gross
8% p.a Net Yield 8.22% Amount in Rupees
Yield

Annualized
Premium Premium
Annualized Allocation -Premium
Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation Charge GST FMC
Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge

(PAC) (AP)-(PAC)

20 71,429 0 71,429 39,720 13,219 5,702 0 0 55,536 21,35,968 28,015 21,37,761 21,33,134 50,00,030

21 71,429 0 71,429 39,873 13,803 5,987 0 0 59,251 23,51,401 30,823 23,53,202 23,48,281 50,00,030
22 71,429 0 71,429 39,648 14,310 6,000 0 0 62,667 25,84,200 33,855 25,85,971 25,80,771 50,00,030

23 71,429 0 71,429 38,912 14,768 6,000 0 0 65,821 28,35,834 37,132 28,37,528 28,32,071 50,00,030

24 71,429 0 71,429 37,487 15,149 6,000 0 0 68,667 31,08,016 40,675 31,09,577 31,03,892 50,00,030

25 71,429 0 71,429 35,147 15,419 6,000 0 0 4,87,811 34,02,904 44,511 38,20,816 33,98,390 50,00,030

Gross
4% p.a Amount in Rupees
Yield

Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation Charge GST FMC
Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge

(PAC) (AP)-(PAC)

1 71,429 8,571 62,858 11,983 3,832 0 0 0 0 48,504 735 48,440 45,010 50,00,030

2 71,429 4,286 67,143 13,171 3,404 0 0 0 0 1,01,913 1,456 1,01,778 98,406 50,00,030
3 71,429 2,857 68,572 14,536 3,526 0 0 0 0 1,56,674 2,197 1,56,467 1,53,938 50,00,030

4 71,429 2,143 69,286 16,085 3,811 0 0 0 0 2,11,737 2,943 2,11,456 2,09,770 50,00,030

5 71,429 0 71,429 17,818 4,365 2,743 0 0 0 2,65,332 3,691 2,64,980 2,64,980 50,00,030

6 71,429 0 71,429 19,736 4,864 2,880 0 0 0 3,17,731 4,406 3,17,309 3,17,309 50,00,030

7 71,429 0 71,429 21,799 5,387 3,024 0 0 0 3,68,723 5,103 3,68,234 3,68,234 50,00,030

8 71,429 0 71,429 23,987 5,929 3,175 0 0 0 4,18,119 5,779 4,17,564 4,17,564 50,00,030
9 71,429 0 71,429 26,258 6,484 3,334 0 0 0 4,65,770 6,433 4,65,152 4,65,152 50,00,030

10 71,429 0 71,429 28,581 7,046 3,501 0 0 17,143 5,11,566 7,062 5,28,030 5,10,887 50,00,030

11 71,429 0 71,429 30,728 7,642 3,676 0 0 32,537 5,95,484 8,052 6,05,265 5,94,694 50,00,030

12 71,429 0 71,429 32,805 8,238 3,859 0 0 32,056 6,74,145 9,104 6,81,163 6,73,251 50,00,030

13 71,429 0 71,429 34,844 8,827 4,052 0 0 33,358 7,51,799 10,140 7,57,513 7,50,801 50,00,030
14 71,429 0 71,429 36,840 9,410 4,255 0 0 32,169 8,30,297 11,185 8,31,880 8,29,196 50,00,030

15 71,429 0 71,429 38,849 9,994 4,468 0 0 35,637 9,07,077 12,204 9,08,849 9,05,874 50,00,030

16 71,429 0 71,429 40,861 10,587 4,691 0 0 39,471 9,86,849 13,262 9,88,835 9,85,540 50,00,030

17 71,429 0 71,429 42,915 11,197 4,926 0 0 43,599 10,69,922 14,362 10,72,143 10,68,502 50,00,030

18 71,429 0 71,429 45,046 11,831 5,172 0 0 47,974 11,56,523 15,508 11,58,995 11,54,988 50,00,030

19 71,429 0 71,429 47,294 12,497 5,431 0 0 52,516 12,46,756 16,703 12,49,488 12,45,101 50,00,030

20 71,429 0 71,429 49,691 13,201 5,702 0 0 57,162 13,40,623 17,947 13,43,621 13,38,845 50,00,030
21 71,429 0 71,429 52,267 13,948 5,987 0 0 61,456 14,37,677 19,237 14,40,893 14,35,770 50,00,030
22 71,429 0 71,429 55,045 14,691 6,000 0 0 65,611 15,37,893 20,569 15,41,321 15,35,853 50,00,030

23 71,429 0 71,429 58,035 15,476 6,000 0 0 69,689 16,41,035 21,943 16,44,665 16,38,858 50,00,030
24 71,429 0 71,429 61,238 16,306 6,000 0 0 73,680 17,46,829 23,354 17,50,649 17,44,511 50,00,030

25 71,429 0 71,429 64,655 17,182 6,000 0 0 3,55,871 18,55,099 24,799 21,37,282 18,52,638 50,00,030
*Specify details, if any.

Notes:

1. Refer the sales Literature for explanation of terms used in this illustration.
2. Fund management charge is based on the specific fund option(s) chosen.
3. For Decreasing Cover and Decreasing Cover with Capital Guarantee plan options, riders will be available during Level cover period only.
4. In case rider charges are collected explicitly through collection of rider premium, 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.
5. #Additions to the Fund refers to the periodic additions through a) Return of 2X to 3X Mortality Charges, b) Return of 2X Premium Allocation Charges c) Return of Fund
Management Charge, and d) Return of 2X Investment Guarantee Charge (if applicable), as per terms and conditions.
6. For Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options, the maturity benefit will be higher of Fund Value at Maturity and Assured
Benefit, where Assured Benefit is the Total Premiums Paid Less Total Partial Withdrawals made (if any).

I, , have explained the premiums, charges and benefits under the policy fully to the I, Client ,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

Channel Name : Agency

HDFC Life Insurance Company Limited (IRDAI Reg. No. 101) (CIN: L65110MH2000PLC128245)
Registered and Corporate Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, Mahalaxmi, Mumbai-400011
Trade logo displayed above belongs to HDFC Life Insurance Company Limited under a license.

For more information, Call the HDFC Life Insurance Company Limited Helpline number 1860-267-9999 (local charges apply) 022-68446530 (STD charges apply) or Visit us at:
www.hdfclife.com