27-01-2024

Quote No : c1gxappdcqy

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: Client Client Name of the Product: HDFC Life Sanchay Par Advantage
Age: 53 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: Client Client
Unique Identification No: 101N136V03
Age: 24
GST Rate: 4.5%* for first year
Policy Term 76 year(s)
2.25%* second year onwards
Premium Payment Term: 10 year(s)
Amount of Installment Premium(Without GST): 100000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
*0% if qualifies as zero-rated supply under GST law

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. 10,00,000

Sum Assured on Death (at inception of

Bonus Type Cash Bonus 13,10,000
the policy) Rs.

Premium Summary
Base CI IB Total Installment
PP Rider (PAC) PP Rider (ADC) PP Rider (CC)
Plan Rider Rider Premium
Instalment Premium without GST 100000 0 0 0 0 0 100000
Instalment Premium with First Year GST 104500 0 0 0 0 0 104500
Instalment Premium with GST 2nd Year
102250 0 0 0 0 0 102250
Onwards

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 (Amounts in Rupees.)
Total Benefits
Non Guaranteed Non-Guaranteed including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. Benefits @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit
Total
Single / Total Total Total Total
Policy Total Death
Annualized Maturity Death Surrender Surrender
Year Maturity Benefit
Premium Benefit, Benefit Benefit Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender Benefit, incl of
GA RB RB incl TB, incl of TB, incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# incl TB, if TB, if
if any, @ if any, @ if any, @ if any, @
any, @ 8% any, @
4% 8% 4% 8%
(7+TB) 4%
(7+TB) (6+TB) (5+10) (5+13)
(6+TB)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
1 1,00,000 0 0 0 13,10,000 0 0 17,000 0 0 36,000 0 0 0 13,10,000 13,10,000 0 0

2 1,00,000 0 0 60,000 13,10,000 0 0 17,000 10,000 0 36,000 28,000 0 0 13,10,000 13,10,000 70,000 88,000
3 1,00,000 0 0 1,05,000 13,10,000 0 0 17,000 15,000 0 36,000 51,000 0 0 13,10,000 13,10,000 1,20,000 1,56,000

4 1,00,000 0 0 2,00,000 13,10,000 0 0 17,000 40,000 0 36,000 40,000 0 0 13,10,000 13,10,000 2,40,000 2,40,000

5 1,00,000 0 0 2,50,000 13,10,000 0 0 17,000 50,000 0 36,000 77,000 0 0 13,10,000 13,10,000 3,00,000 3,27,000
6 1,00,000 0 0 3,00,000 13,10,000 0 0 17,000 75,000 0 36,000 1,36,000 0 0 13,10,000 13,10,000 3,75,000 4,36,000
7 1,00,000 0 0 3,50,000 13,10,000 0 0 17,000 1,43,000 0 36,000 2,12,000 0 0 13,10,000 13,10,000 4,93,000 5,62,000

8 1,00,000 0 0 5,20,000 13,10,000 0 0 17,000 1,09,000 0 36,000 1,87,000 0 0 13,10,000 13,10,000 6,29,000 7,07,000

9 1,00,000 0 0 6,30,000 13,10,000 0 0 17,000 1,53,000 0 36,000 2,44,000 0 0 13,10,000 13,10,000 7,83,000 8,74,000

10 1,00,000 0 0 7,50,000 13,10,000 0 0 17,000 2,07,000 0 36,000 3,15,000 0 0 13,10,000 13,10,000 9,57,000 10,65,000

11 0 0 0 8,00,000 13,10,000 0 0 17,000 1,87,000 0 36,000 3,19,000 0 0 13,10,000 13,10,000 9,87,000 11,19,000
12 0 0 0 9,00,000 13,10,000 0 0 17,000 1,17,000 0 36,000 2,74,000 0 0 13,10,000 13,10,000 10,17,000 11,74,000

13 0 0 0 9,00,000 13,10,000 0 0 17,000 1,47,000 0 36,000 3,31,000 0 0 13,10,000 13,10,000 10,47,000 12,31,000

14 0 0 0 9,00,000 13,10,000 0 0 17,000 1,78,000 0 36,000 3,90,000 0 0 13,10,000 13,10,000 10,78,000 12,90,000

15 0 0 0 9,00,000 13,10,000 0 0 17,000 2,09,000 0 36,000 4,50,000 0 0 13,10,000 13,10,000 11,09,000 13,50,000

16 0 0 0 9,00,000 13,10,000 0 0 17,000 2,89,000 0 36,000 5,58,000 0 0 13,10,000 13,10,000 11,89,000 14,58,000
17 0 0 0 9,00,000 13,10,000 0 0 17,000 3,22,000 0 36,000 6,24,000 0 0 13,10,000 13,10,000 12,22,000 15,24,000

18 0 0 0 9,00,000 13,10,000 0 0 17,000 3,56,000 0 36,000 6,92,000 0 0 13,10,000 13,10,000 12,56,000 15,92,000

19 0 0 0 9,00,000 13,10,000 0 0 17,000 3,90,000 0 36,000 7,63,000 0 0 13,10,000 13,10,000 12,90,000 16,63,000

20 0 0 0 9,00,000 13,10,000 0 0 17,000 4,25,000 0 36,000 8,36,000 0 0 13,10,000 13,10,000 13,25,000 17,36,000

21 0 0 0 9,00,000 13,10,000 0 0 17,000 4,60,000 0 36,000 9,12,000 0 0 13,10,000 13,10,000 13,60,000 18,12,000
22 0 0 0 9,00,000 13,10,000 0 0 17,000 4,96,000 0 36,000 9,91,000 0 0 13,10,000 13,10,000 13,96,000 18,91,000

23 0 0 0 9,00,000 13,10,000 0 0 17,000 5,33,000 0 36,000 10,73,000 0 0 13,10,000 13,10,000 14,33,000 19,73,000

24 0 0 0 9,00,000 13,10,000 0 0 17,000 5,71,000 0 36,000 11,59,000 0 0 13,10,000 13,10,000 14,71,000 20,59,000

25 0 0 0 9,00,000 13,10,000 0 0 17,000 6,09,000 0 36,000 12,49,000 0 0 13,10,000 13,10,000 15,09,000 21,49,000

26 0 0 0 9,00,000 13,10,000 0 0 17,000 6,48,000 0 36,000 13,07,000 0 0 13,10,000 13,10,000 15,48,000 22,07,000
27 0 0 0 9,00,000 13,10,000 0 0 17,000 6,87,000 0 36,000 13,70,000 0 0 13,10,000 13,71,000 15,87,000 22,70,000

28 0 0 0 9,00,000 13,10,000 0 0 17,000 7,28,000 0 36,000 14,38,000 0 0 13,10,000 14,38,000 16,28,000 23,38,000

29 0 0 0 9,00,000 13,10,000 0 0 17,000 7,69,000 0 36,000 15,10,000 0 0 13,10,000 15,11,000 16,69,000 24,10,000

30 0 0 0 9,00,000 13,10,000 0 0 17,000 8,11,000 0 36,000 15,88,000 0 0 13,10,000 15,89,000 17,11,000 24,88,000

31 0 0 0 9,00,000 13,10,000 0 0 17,000 8,54,000 0 36,000 16,73,000 0 0 13,10,000 16,73,000 17,54,000 25,73,000
32 0 0 0 9,00,000 13,10,000 0 0 17,000 8,98,000 0 36,000 17,63,000 0 0 13,10,000 17,64,000 17,98,000 26,63,000

33 0 0 0 9,00,000 13,10,000 0 0 17,000 9,43,000 0 36,000 18,61,000 0 0 13,10,000 18,62,000 18,43,000 27,61,000

34 0 0 0 9,00,000 13,10,000 0 0 17,000 9,89,000 0 36,000 19,66,000 0 0 13,12,000 19,67,000 18,89,000 28,66,000

35 0 0 0 9,00,000 13,10,000 0 0 17,000 10,36,000 0 36,000 20,80,000 0 0 13,42,000 20,81,000 19,36,000 29,80,000

36 0 0 0 9,00,000 13,10,000 0 0 17,000 10,83,000 0 36,000 22,02,000 0 0 13,72,000 22,03,000 19,83,000 31,02,000
37 0 0 0 9,00,000 13,10,000 0 0 17,000 11,32,000 0 36,000 23,33,000 0 0 14,04,000 23,34,000 20,32,000 32,33,000

38 0 0 0 9,00,000 13,10,000 0 0 17,000 11,82,000 0 36,000 24,75,000 0 0 14,37,000 24,76,000 20,82,000 33,75,000

39 0 0 0 9,00,000 13,10,000 0 0 17,000 12,33,000 0 36,000 26,27,000 0 0 14,71,000 26,28,000 21,33,000 35,27,000

40 0 0 0 9,00,000 13,10,000 0 0 17,000 12,85,000 0 36,000 27,91,000 0 0 15,06,000 27,92,000 21,85,000 36,91,000

41 0 0 0 9,00,000 13,10,000 0 0 17,000 13,38,000 0 36,000 29,68,000 0 0 15,42,000 29,69,000 22,38,000 38,68,000
42 0 0 0 9,00,000 13,10,000 0 0 17,000 13,92,000 0 36,000 31,58,000 0 0 15,79,000 31,60,000 22,92,000 40,58,000

43 0 0 0 9,00,000 13,10,000 0 0 17,000 14,47,000 0 36,000 33,64,000 0 0 16,18,000 33,65,000 23,47,000 42,64,000

44 0 0 0 9,00,000 13,10,000 0 0 17,000 15,04,000 0 36,000 35,84,000 0 0 16,57,000 35,86,000 24,04,000 44,84,000

45 0 0 0 9,00,000 13,10,000 0 0 17,000 15,61,000 0 36,000 38,22,000 0 0 16,98,000 38,24,000 24,61,000 47,22,000

46 0 0 0 9,00,000 13,10,000 0 0 17,000 16,20,000 0 36,000 40,79,000 0 0 17,40,000 40,81,000 25,20,000 49,79,000

47 0 0 0 9,00,000 13,10,000 0 0 17,000 16,80,000 0 36,000 43,55,000 0 0 17,83,000 43,57,000 25,80,000 52,55,000
48 0 0 0 9,00,000 13,10,000 0 0 17,000 17,42,000 0 36,000 46,52,000 0 0 18,28,000 46,54,000 26,42,000 55,52,000

49 0 0 0 9,00,000 13,10,000 0 0 17,000 18,05,000 0 36,000 49,72,000 0 0 18,74,000 49,75,000 27,05,000 58,72,000

50 0 0 0 9,00,000 13,10,000 0 0 17,000 18,69,000 0 36,000 53,17,000 0 0 19,21,000 53,20,000 27,69,000 62,17,000

51 0 0 0 9,00,000 13,10,000 0 0 17,000 19,34,000 0 36,000 56,89,000 0 0 19,70,000 56,92,000 28,34,000 65,89,000

52 0 0 0 9,00,000 13,10,000 0 0 17,000 20,01,000 0 36,000 60,89,000 0 0 20,20,000 60,92,000 29,01,000 69,89,000

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 Total Benefits
Non Guaranteed Non-Guaranteed including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. Benefits @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit

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

53 0 0 0 9,00,000 13,10,000 0 0 17,000 20,68,000 0 36,000 65,21,000 0 0 20,71,000 65,24,000 29,68,000 74,21,000

54 0 0 0 9,00,000 13,10,000 0 0 17,000 21,21,000 0 36,000 69,85,000 0 0 21,24,000 69,88,000 30,21,000 78,85,000

55 0 0 0 9,00,000 13,10,000 0 0 17,000 21,75,000 0 36,000 74,86,000 0 0 21,78,000 74,89,000 30,75,000 83,86,000

56 0 0 0 9,00,000 13,10,000 0 0 17,000 22,30,000 0 36,000 80,25,000 0 0 22,34,000 80,28,000 31,30,000 89,25,000
57 0 0 0 9,00,000 13,10,000 0 0 17,000 22,87,000 0 36,000 86,06,000 0 0 22,91,000 86,09,000 31,87,000 95,06,000

58 0 0 0 9,00,000 13,10,000 0 0 17,000 23,46,000 0 36,000 92,31,000 0 0 23,50,000 92,35,000 32,46,000 1,01,31,000

59 0 0 0 9,00,000 13,10,000 0 0 17,000 24,06,000 0 36,000 99,05,000 0 0 24,10,000 99,10,000 33,06,000 1,08,05,000

60 0 0 0 9,00,000 13,10,000 0 0 17,000 24,67,000 0 36,000 1,06,31,000 0 0 24,72,000 1,06,36,000 33,67,000 1,15,31,000

61 0 0 0 9,00,000 13,10,000 0 0 17,000 25,30,000 0 36,000 1,14,14,000 0 0 25,35,000 1,14,19,000 34,30,000 1,23,14,000
62 0 0 0 9,00,000 13,10,000 0 0 17,000 25,95,000 0 36,000 1,22,56,000 0 0 26,00,000 1,22,62,000 34,95,000 1,31,56,000

63 0 0 0 9,00,000 13,10,000 0 0 17,000 26,61,000 0 36,000 1,31,64,000 0 0 26,67,000 1,31,70,000 35,61,000 1,40,64,000

64 0 0 0 9,00,000 13,10,000 0 0 17,000 27,29,000 0 36,000 1,41,43,000 0 0 27,34,000 1,41,49,000 36,29,000 1,50,43,000

65 0 0 0 9,00,000 13,10,000 0 0 17,000 27,98,000 0 36,000 1,51,97,000 0 0 28,04,000 1,52,03,000 36,98,000 1,60,97,000

66 0 0 0 9,00,000 13,10,000 0 0 17,000 28,68,000 0 36,000 1,63,32,000 0 0 28,75,000 1,63,39,000 37,68,000 1,72,32,000
67 0 0 0 9,00,000 13,10,000 0 0 17,000 29,40,000 0 36,000 1,75,56,000 0 0 29,47,000 1,75,63,000 38,40,000 1,84,56,000

68 0 0 0 9,00,000 13,10,000 0 0 17,000 30,13,000 0 36,000 1,88,74,000 0 0 30,21,000 1,88,81,000 39,13,000 1,97,74,000

69 0 0 0 9,00,000 13,10,000 0 0 17,000 30,88,000 0 36,000 2,02,94,000 0 0 30,96,000 2,03,02,000 39,88,000 2,11,94,000

70 0 0 0 9,00,000 13,10,000 0 0 17,000 31,64,000 0 36,000 2,18,24,000 0 0 31,73,000 2,18,33,000 40,64,000 2,27,24,000

71 0 0 0 9,00,000 13,10,000 0 0 17,000 32,42,000 0 36,000 2,34,73,000 0 0 32,51,000 2,34,82,000 41,42,000 2,43,73,000
72 0 0 0 9,00,000 13,10,000 0 0 17,000 33,20,000 0 36,000 2,52,50,000 0 0 33,30,000 2,52,60,000 42,20,000 2,61,50,000

73 0 0 0 9,00,000 13,10,000 0 0 17,000 34,00,000 0 36,000 2,71,64,000 0 0 34,11,000 2,71,74,000 43,00,000 2,80,64,000

74 0 0 0 9,00,000 13,10,000 0 0 17,000 34,81,000 0 36,000 2,92,27,000 0 0 34,92,000 2,92,38,000 43,81,000 3,01,27,000

75 0 0 0 9,00,000 13,10,000 0 0 17,000 35,63,000 0 36,000 3,14,49,000 0 0 35,75,000 3,14,61,000 44,63,000 3,23,49,000

76 0 0 0 0 13,10,000 10,00,000 0 17,000 0 0 36,000 0 35,53,000 3,21,56,000 38,51,000 3,56,38,000 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 Client 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

Note: Kindly note that name of the company has changed from "HDFC Standard Life Insurance Company Limited" to "HDFC Life Insurance Company Limited".

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