09-05-2016

This is the official illustration issued by HDFC Standard Life Insurance Company Limited. Illustration of any other type is not
supported by the company.
Illustration For HDFC Life Click 2 Invest - ULIP (UIN : 101L100V01)
on 09 May 2016
PERSONAL DETAILS
Nam e
Life 1

ADF ASDAF

Age

Gender

27

Age is taken as on last birthday

POLICY DETAILS
Date of Policy Com m encem ent:
Policy Term :

09-May-2016
10 year(s)

Prem ium Paying Term :

Prem ium Frequency:

10 year(s)
Monthly

PREMIUM AND BENEFIT DETAILS

Sum A ssured
(in Rs.)

Benefit Name
HDFC Life Click 2 Invest

Benefit Term
(years)

6,00,000

Premium Paying Term

(years)

10

Premium
(in Rs.)

10

5,000

Total Prem ium Payable per Frequency:

5,000

Since premium frequency of your policy is monthly, premiums for first 3 months are payable at the time of proposal login.In case of Unit Linked policies, the allocation of units for the
advance premiums paid will be done on the due dates of those premiums and at the Unit Prices applicable on those dates. Total amount Payable at the time of login is Rs. 15000/Nex t Prem ium Due Date:
09-Aug-2016

ILLUSTRATION OF FUTURE BENEFITS

This illustration has been produced by HDFC Standard Life Insurance C ompany Limited to help you understand the benefits of your HDFC Life C lick 2 Invest. These illustrations must
be read in conjunction with the sales literature, which describes the features of this product.
The values shown are for illustration only. What you actually receive will depend on what happens over the future lifetime of your policy, particularly investment returns.The
Illustration shows what you could get back using two assumed rates of investment return. These rates have been specified by the Life Insurance C ouncil.
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy offers guaranteed returns
then these will be clearly marked "guaranteed" in the illustration table on this page.
If your policy offers variable returns then the illustrations on this page will show two different rates of assumed investment returns. These assumed rates of return are not
guaranteed and they are not 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.
Whilst future investment returns would significantly influence policy benefits, other factors such as charges and taxes also have an impact on your benefits.
Guaranteed benefits are available provided all premiums are paid, when they are due. The illustrative benefits below assume that all premiums that are due have been paid.
All amounts are in Indian Rupees.
Illustrative Benefits on Maturity
On the survival of the Life Assured until the Maturity date,the illustrative Maturity benefits are as shown below.
Guaranteed Benefit
Date of Maturity
09-May-2026

HDFC Life Click 2 Invest

Non-Guaranteed Benefit

Total Maturity Benefit

Assumed Investment Return

Assumed Investment Return

4% p.a.
0

8% p.a.
6,73,961

4% p.a.
8,26,308

8% p.a.
6,73,961

Upon this payment, the policy terminates and no further benefit becomes payable.
IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATION PURPOSE.

8,26,308

Projected Statement of Premiums, Charges and Fund Value based on Assumed Investment Return of 8% p.a.
(01)

(02)

(03)

(04)

(05)

(06)

(07)

(08)

A mount
Premium
Policy
Policy A nnualised Top- A llocation available
Risk A dministration
Year Premium
up
for
Charge
Charge Investment
Charge

FMC

(09)

(10)

(11)

(12)

Fund
Investment
Taxes as
Total
Value
Guarantee
applicable* Charges (end of
Charge
year)

(13)

(14)

(15)

Gross
Yield

8.00%

Net
Yield

6.55%

(16)

(17)

Surrender
Guaranteed
Total
A ddition Benefit
Death
Death Commission
to Fund (end of
Benefit
Benefit
year)

60,000

60,000

569

445

147

1,161

61,368

61,368

6,00,000 6,00,000

60,000

60,000

512

1,303

263

2,078 1,26,696

1,26,696

6,00,000 6,00,000

60,000

60,000

451

2,216

387

3,054 1,96,240

1,96,240

6,00,000 6,00,000

60,000

60,000

385

3,188

518

4,091 2,70,273

2,70,273

6,00,000 6,00,000

60,000

60,000

313

4,223

658

5,193 3,49,088

3,49,088

6,00,000 6,00,000

60,000

60,000

233

5,324

806

6,363 4,32,998

4,32,998

6,00,000 6,00,000

60,000

60,000

141

6,497

963

7,601 5,22,338

5,22,338

6,00,000 6,00,000

60,000

60,000

38

7,746

1,129

8,913 6,17,468

6,17,468

6,00,000 6,17,468

60,000

60,000

9,076

1,316

10,392 7,18,678

7,18,678

6,00,000 7,18,678

10

60,000

60,000

0 10,490

1,521

12,011 8,26,308

8,26,308

6,30,000 8,26,308

*General Sales Tax (GST) in case of Jammu and Kashmir and Taxes include service tax and Swachh Bharat C ess as applicable in all other cases.

Projected Statement of Premiums, Charges and Fund Value based on Assumed Investment Return of 4% p.a.
(01)

(02)

(03)

(04)

(05)

Premium
Policy A nnualised Top- A llocation
Year Premium
up
Charge

(06)

(07)

(08)

(09)

(10)

(11)

(12)

A mount
Fund
Policy
Investment
available
Risk A dministration FMC Guarantee
Taxes as
Total
Value
for
Charge
applicable*
Charges
(end
of
Charge
Charge
Investment
year)

(13)

(14)

(15)

(16)

(17)

Surrender Guaranteed
Total
A ddition Benefit
Death
Death Commission
to Fund (end of
Benefit
Benefit
year)

60,000

60,000

570

438

146

1,154

60,118

60,118

6,00,000 6,00,000

60,000

60,000

515

0 1,261

258

2,034 1,21,745

1,21,745

6,00,000 6,00,000

60,000

60,000

459

0 2,105

372

2,937 1,84,918

1,84,918

6,00,000 6,00,000

60,000

60,000

402

0 2,970

489

3,861 2,49,677

2,49,677

6,00,000 6,00,000

60,000

60,000

341

0 3,857

609

4,807 3,16,063

3,16,063

6,00,000 6,00,000

60,000

60,000

277

0 4,766

731

5,775 3,84,120

3,84,120

6,00,000 6,00,000

60,000

60,000

208

0 5,698

856

6,763 4,53,894

4,53,894

6,00,000 6,00,000

60,000

60,000

132

0 6,654

984

7,770 5,25,434

5,25,434

6,00,000 6,00,000

60,000

60,000

46

0 7,633

1,114

8,793 5,98,793

5,98,793

6,00,000 6,00,000

10

60,000

60,000

0 8,638

1,254

9,899 6,73,961

6,73,961

6,30,000 6,73,961

*General Sales Tax (GST) in case of Jammu and Kashmir and Taxes include service tax and Swachh Bharat C ess as applicable in all other cases.

Description of Charges
This illustration is based on the following charges:
Premium Allocation Charge
This is a premium-based charge (which may vary by product, policy year, premium size, premium frequency and premium payment method). After deducting this charge from your
premiums, the remainder is invested to buy units. Please read Sales Literature for more details.
Fund Management Charge (FMC)
This is a charge levied as a percentage of the value of assets and deducted at the time of computation of daily unit prices. In the long term, the key to building great maturity values
is a low FMC . The Fund Management C harge is the same across all the fund options.
Policy Administration Charge
This charge is levied to cover regular administration costs. This charge may vary by product & premium size. Please read Sales Literature for more details.
Risk Charge
This is a charge levied monthly to cover the cost of providing you with the Death Benefit, Extra Health Benefit, Extra Life Benefit, Extra Disability Benefit and any other Morbidity
Benefits, if applicable, on your policy. The amount of the charge taken each month is based on the benefits insured and your age.
Service tax and Swachh Bharat Cess
The Government of India levies a Service Tax & Swachh Bharat C ess on the amount of any charges deducted from your policy. We collect this tax along with the charges. The tax
rates and its applicability will be as notified by the Government from time to time.

NOTES:
The Sum Assured stated above is based on the information provided and may vary as a result of underwriting.
Please read the sales literature provided.
Any statutory levy or charges (Taxes include service tax and Swachh Bharat C ess as applicable) including any indirect tax may be charged to the Policyholder either now or in
future by the C ompany 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.
The benefits illustrated assume that all premiums that are due over the premium paying term will be paid and no withdrawals will be made during the policy term. In case
premiums are not paid for the premium paying term at the original level or withdrawals are made during the policy term, the illustrative benefits will differ.
This contract is designed for long term savings and is not designed for short term investment. Should you need to surrender your policy in the short term, any surrender benefits
may be less than the premium(s) you have paid.
A policy may be surrendered at any time in the first five years of the policy but the amount payable on surrender will be paid out only on completion of five policy years, subject to
prevailing regulations.
In case you do not pay premiums for the full premium paying term, your policy will be discontinued or will become paid-up depending on the premiums paid previously. Please
read the sales literature for more details.
The commission amount as described in the projection statement is paid from the charges deducted on your policy.
"Premium Allocation C harge Rates" and "Risk Benefit C harge Rates", if applicable, are guaranteed for the lifetime of the policy. All other charges may be altered during the lifetime
of the policy with prior approval from the regulator.
C lawback Additions would be payable at the point of exit after the completion of five years, if and only if, it is required to meet the reduction in yield requirements prescribed by
the regulations. Exit would mean exit by way of death, surrender or maturity whichever is earliest.
I,................................................., having received the information with respect to the above, have understood the inbuilt features of the policy, the applicable charges and the
investment risks under the policy, before entering into the contract.
I____________________________________ , (Name) have explained the
above illustration and the terms and conditions of this product to the
policyholder.
Intermediary's Signature :
Date :
Place :

I____________________________________ , (Name) having received the information with

respect to the above, have understood the above illustration before entering the contract.
Proposer's Signature / Thumb Impression :