18-08-2022

Quote No : qbad8ya3y0qbv

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: SARAVANAN S Name of the Product: HDFC Life Sanchay Par Advantage
Age: 25 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: SARAVANAN S
Unique Identification No: 101N136V02
Age: 25
GST Rate: 4.5% for first year
Policy Term 75 year(s)
2.25% second year onwards
Premium Payment Term: 12 year(s)
Amount of Installment Premium(Without GST): 100000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual

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 Deferred Income Sum Assured on Maturity Rs. 12,00,000

Sum Assured on Death (at inception of

Bonus Type Cash Bonus 13,00,000
the policy) Rs.

Rider Details

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

HDFC Life Critical Illness Plus Rider 101B014V02 12 Years 12 Years 500000
Income Benefit on Accidental Disability Rider 101B013V03 12 Years 40 Years 500000

HDFC Life Protect Plus rider - Accidental Death Cover 101B016V01 144 Months 600 Months 1000000
HDFC Life Protect Plus rider - Cancer Cover 101B016V01 12 Years 12 Years 1200000

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

Instalment Premium without GST 100000 481 271 0 1145 440 102337
Instalment Premium with First Year GST 104500 567 320 0 1351 519 107257

Instalment Premium with GST 2nd Year

102250 567 320 0 1351 519 105007
Onwards
 (Amounts in Rupees.)
Total Benefits
Non Guaranteed Non-Guaranteed Benefits including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit

Total
Single / Total Total
Policy Total Death Total
Annualized Maturity Total Death Surrender
Year Maturity Benefit Surrender
Premium Benefit, Benefit incl Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender Benefit, incl of Benefit incl
GA RB RB incl TB, if of TB, if incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# incl TB, if TB, if of TB, if
any, @ any, @ 8% if any, @
any, @ 8% any, @ any, @ 8%
4% (6+TB) 4%
(7+TB) 4% (5+13)
(7+TB) (5+10)
(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 13,00,000 0 0 0 0 0 0 0 0 0 13,00,000 13,00,000 0 0
2 1,00,000 0 0 60,000 13,00,000 0 0 0 10,000 0 0 10,000 0 0 13,00,000 13,00,000 70,000 70,000
3 1,00,000 0 0 1,05,000 13,00,000 0 0 0 15,000 0 0 15,000 0 0 13,00,000 13,00,000 1,20,000 1,20,000

4 1,00,000 0 0 2,00,000 13,00,000 0 0 0 20,000 0 0 20,000 0 0 13,00,000 13,00,000 2,20,000 2,20,000

5 1,00,000 0 0 2,50,000 13,00,000 0 0 0 25,000 0 0 25,000 0 0 13,00,000 13,00,000 2,75,000 2,75,000
6 1,00,000 0 0 3,00,000 13,00,000 0 0 0 30,000 0 0 49,000 0 0 13,00,000 13,00,000 3,30,000 3,49,000
7 1,00,000 0 0 3,50,000 13,00,000 0 0 0 67,000 0 0 1,31,000 0 0 13,00,000 13,00,000 4,17,000 4,81,000
8 1,00,000 0 0 4,64,000 13,00,000 0 0 0 78,000 0 0 1,76,000 0 0 13,00,000 13,00,000 5,42,000 6,40,000

9 1,00,000 0 0 5,85,000 13,00,000 0 0 0 1,02,000 0 0 2,43,000 0 0 13,00,000 13,00,000 6,87,000 8,28,000

10 1,00,000 0 0 7,30,000 13,00,000 0 0 0 1,22,000 0 0 3,20,000 0 0 13,00,000 13,00,000 8,52,000 10,50,000

11 1,00,000 0 0 8,80,000 13,00,000 0 0 0 1,57,000 0 0 4,27,000 0 0 13,00,000 13,07,000 10,37,000 13,07,000

12 1,00,000 0 0 10,80,000 13,00,000 0 0 0 1,65,000 0 0 5,25,000 0 0 13,00,000 16,05,000 12,45,000 16,05,000

13 0 0 0 10,80,000 13,00,000 0 0 0 2,12,000 0 0 6,50,000 0 0 13,00,000 17,30,000 12,92,000 17,30,000

14 0 0 51,200 10,80,000 13,00,000 0 0 4,600 2,67,000 0 76,800 7,98,000 0 0 13,00,000 17,50,000 13,47,000 18,78,000
15 0 0 51,200 10,80,000 13,00,000 0 0 4,600 3,21,000 0 76,800 9,39,000 0 0 13,00,000 17,63,000 14,01,000 20,19,000

16 0 0 51,200 10,80,000 13,00,000 0 0 4,600 4,47,000 0 76,800 11,80,000 0 0 13,59,000 18,76,000 15,27,000 22,60,000
17 0 0 51,200 10,80,000 13,00,000 0 0 4,600 5,00,000 0 76,800 13,24,000 0 0 13,57,000 18,92,000 15,80,000 24,04,000

18 0 0 51,200 10,80,000 13,00,000 0 0 4,600 5,54,000 0 76,800 14,69,000 0 0 13,55,000 19,10,000 16,34,000 25,49,000

19 0 0 51,200 10,80,000 13,00,000 0 0 4,600 6,08,000 0 76,800 16,16,000 0 0 13,53,000 19,28,000 16,88,000 26,96,000
20 0 0 51,200 10,80,000 13,00,000 0 0 4,600 6,61,000 0 76,800 17,64,000 0 0 13,51,000 19,48,000 17,41,000 28,44,000

21 0 0 51,200 10,80,000 13,00,000 0 0 4,600 7,14,000 0 76,800 19,13,000 0 0 13,48,000 19,70,000 17,94,000 29,93,000
22 0 0 51,200 10,80,000 13,00,000 0 0 4,600 7,67,000 0 76,800 19,92,000 0 0 13,46,000 19,93,000 18,47,000 30,72,000

23 0 0 51,200 10,80,000 13,00,000 0 0 4,600 8,20,000 0 76,800 20,17,000 0 0 13,43,000 20,18,000 19,00,000 30,97,000

24 0 0 51,200 10,80,000 13,00,000 0 0 4,600 8,73,000 0 76,800 20,44,000 0 0 13,40,000 20,44,000 19,53,000 31,24,000
25 0 0 51,200 10,80,000 13,00,000 0 0 4,600 9,25,000 0 76,800 20,72,000 0 0 13,36,000 20,73,000 20,05,000 31,52,000

26 0 0 51,200 10,80,000 13,00,000 0 0 4,600 9,78,000 0 76,800 21,03,000 0 0 13,33,000 21,04,000 20,58,000 31,83,000
27 0 0 51,200 10,80,000 13,00,000 0 0 4,600 10,30,000 0 76,800 21,36,000 0 0 13,29,000 21,37,000 21,10,000 32,16,000

28 0 0 51,200 10,80,000 13,00,000 0 0 4,600 10,81,000 0 76,800 21,72,000 0 0 13,25,000 21,73,000 21,61,000 32,52,000

29 0 0 51,200 10,80,000 13,00,000 0 0 4,600 11,33,000 0 76,800 22,10,000 0 0 13,21,000 22,11,000 22,13,000 32,90,000
30 0 0 51,200 10,80,000 13,00,000 0 0 4,600 11,84,000 0 76,800 22,51,000 0 0 13,16,000 22,52,000 22,64,000 33,31,000

31 0 0 51,200 10,80,000 13,00,000 0 0 4,600 12,35,000 0 76,800 22,96,000 0 0 13,11,000 22,96,000 23,15,000 33,76,000
32 0 0 51,200 10,80,000 13,00,000 0 0 4,600 12,85,000 0 76,800 23,43,000 0 0 13,06,000 23,44,000 23,65,000 34,23,000

33 0 0 51,200 10,80,000 13,00,000 0 0 4,600 13,00,000 0 76,800 23,94,000 0 0 13,00,000 23,95,000 23,80,000 34,74,000

34 0 0 51,200 10,80,000 13,00,000 0 0 4,600 12,94,000 0 76,800 24,50,000 0 0 13,00,000 24,50,000 23,74,000 35,30,000
35 0 0 51,200 10,80,000 13,00,000 0 0 4,600 12,87,000 0 76,800 25,09,000 0 0 13,00,000 25,10,000 23,67,000 35,89,000

36 0 0 51,200 10,80,000 13,00,000 0 0 4,600 12,80,000 0 76,800 25,72,000 0 0 13,00,000 25,73,000 23,60,000 36,52,000
37 0 0 51,200 10,80,000 13,00,000 0 0 4,600 12,73,000 0 76,800 26,41,000 0 0 13,00,000 26,42,000 23,53,000 37,21,000

38 0 0 51,200 10,80,000 13,00,000 0 0 4,600 12,65,000 0 76,800 27,15,000 0 0 13,00,000 27,16,000 23,45,000 37,95,000

39 0 0 0 10,80,000 13,00,000 0 0 8,000 13,03,000 0 1,28,000 27,94,000 0 0 13,04,000 27,95,000 23,83,000 38,74,000
40 0 0 0 10,80,000 13,00,000 0 0 8,000 13,41,000 0 1,28,000 28,73,000 0 0 13,42,000 28,75,000 24,21,000 39,53,000

41 0 0 0 10,80,000 13,00,000 0 0 8,000 13,80,000 0 1,28,000 29,59,000 0 0 13,81,000 29,60,000 24,60,000 40,39,000
42 0 0 0 10,80,000 13,00,000 0 0 8,000 14,20,000 0 1,28,000 30,50,000 0 0 14,22,000 30,52,000 25,00,000 41,30,000

43 0 0 0 10,80,000 13,00,000 0 0 8,000 14,62,000 0 1,28,000 31,49,000 0 0 14,64,000 31,51,000 25,42,000 42,29,000
44 0 0 0 10,80,000 13,00,000 0 0 8,000 15,05,000 0 1,28,000 32,55,000 0 0 15,07,000 32,57,000 25,85,000 43,35,000

45 0 0 0 10,80,000 13,00,000 0 0 8,000 15,50,000 0 1,28,000 33,70,000 0 0 15,51,000 33,71,000 26,30,000 44,50,000

46 0 0 0 10,80,000 13,00,000 0 0 8,000 15,95,000 0 1,28,000 34,92,000 0 0 15,97,000 34,94,000 26,75,000 45,72,000
47 0 0 0 10,80,000 13,00,000 0 0 8,000 16,43,000 0 1,28,000 36,25,000 0 0 16,45,000 36,27,000 27,23,000 47,05,000

48 0 0 0 10,80,000 13,00,000 0 0 8,000 16,91,000 0 1,28,000 37,67,000 0 0 16,93,000 37,69,000 27,71,000 48,47,000
49 0 0 0 10,80,000 13,00,000 0 0 8,000 17,41,000 0 1,28,000 39,20,000 0 0 17,44,000 39,22,000 28,21,000 50,00,000

50 0 0 0 10,80,000 13,00,000 0 0 8,000 17,93,000 0 1,28,000 40,84,000 0 0 17,95,000 40,87,000 28,73,000 51,64,000

51 0 0 0 10,80,000 13,00,000 0 0 8,000 18,46,000 0 1,28,000 42,61,000 0 0 18,49,000 42,64,000 29,26,000 53,41,000
52 0 0 0 10,80,000 13,00,000 0 0 8,000 19,01,000 0 1,28,000 44,51,000 0 0 19,03,000 44,54,000 29,81,000 55,31,000

53 0 0 0 10,80,000 13,00,000 0 0 8,000 19,57,000 0 1,28,000 46,56,000 0 0 19,60,000 46,59,000 30,37,000 57,36,000
54 0 0 0 10,80,000 13,00,000 0 0 8,000 20,15,000 0 1,28,000 48,76,000 0 0 20,18,000 48,79,000 30,95,000 59,56,000

55 0 0 0 10,80,000 13,00,000 0 0 8,000 20,74,000 0 1,28,000 51,13,000 0 0 20,78,000 51,17,000 31,54,000 61,93,000
 Total Benefits
Non Guaranteed Non-Guaranteed Benefits including Guaranteed and Non-Guaranteed Benefits
Guaranteed Benefits
Benefits @ 4% p.a. @ 8% p.a.
Maturity Benefit Death Benefit Surrender Benefit

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

56 0 0 0 10,80,000 13,00,000 0 0 8,000 21,36,000 0 1,28,000 53,68,000 0 0 21,39,000 53,72,000 32,16,000 64,48,000

57 0 0 0 10,80,000 13,00,000 0 0 8,000 21,98,000 0 1,28,000 56,43,000 0 0 22,02,000 56,46,000 32,78,000 67,23,000
58 0 0 0 10,80,000 13,00,000 0 0 8,000 22,63,000 0 1,28,000 59,38,000 0 0 22,67,000 59,42,000 33,43,000 70,18,000

59 0 0 0 10,80,000 13,00,000 0 0 8,000 23,29,000 0 1,28,000 62,55,000 0 0 23,34,000 62,59,000 34,09,000 73,35,000
60 0 0 0 10,80,000 13,00,000 0 0 8,000 23,97,000 0 1,28,000 65,97,000 0 0 24,02,000 66,01,000 34,77,000 76,77,000

61 0 0 0 10,80,000 13,00,000 0 0 8,000 24,67,000 0 1,28,000 69,64,000 0 0 24,72,000 69,69,000 35,47,000 80,44,000

62 0 0 0 10,80,000 13,00,000 0 0 8,000 25,39,000 0 1,28,000 73,60,000 0 0 25,44,000 73,65,000 36,19,000 84,40,000
63 0 0 0 10,80,000 13,00,000 0 0 8,000 26,12,000 0 1,28,000 77,85,000 0 0 26,18,000 77,91,000 36,92,000 88,65,000

64 0 0 0 10,80,000 13,00,000 0 0 8,000 26,87,000 0 1,28,000 82,43,000 0 0 26,93,000 82,49,000 37,67,000 93,23,000
65 0 0 0 10,80,000 13,00,000 0 0 8,000 27,64,000 0 1,28,000 87,36,000 0 0 27,71,000 87,42,000 38,44,000 98,16,000

66 0 0 0 10,80,000 13,00,000 0 0 8,000 28,43,000 0 1,28,000 92,66,000 0 0 28,50,000 92,73,000 39,23,000 1,03,46,000
67 0 0 0 10,80,000 13,00,000 0 0 8,000 29,24,000 0 1,28,000 98,37,000 0 0 29,31,000 98,44,000 40,04,000 1,09,17,000

68 0 0 0 10,80,000 13,00,000 0 0 8,000 30,06,000 0 1,28,000 1,04,51,000 0 0 30,14,000 1,04,59,000 40,86,000 1,15,31,000

69 0 0 0 10,80,000 13,00,000 0 0 8,000 30,90,000 0 1,28,000 1,11,12,000 0 0 30,98,000 1,11,20,000 41,70,000 1,21,92,000
70 0 0 0 10,80,000 13,00,000 0 0 8,000 31,76,000 0 1,28,000 1,18,23,000 0 0 31,84,000 1,18,32,000 42,56,000 1,29,03,000

71 0 0 0 10,80,000 13,00,000 0 0 8,000 32,63,000 0 1,28,000 1,25,89,000 0 0 32,72,000 1,25,98,000 43,43,000 1,36,69,000
72 0 0 0 10,80,000 13,00,000 0 0 8,000 33,52,000 0 1,28,000 1,34,13,000 0 0 33,62,000 1,34,23,000 44,32,000 1,44,93,000

73 0 0 0 10,80,000 13,00,000 0 0 8,000 34,43,000 0 1,28,000 1,43,00,000 0 0 34,53,000 1,43,10,000 45,23,000 1,53,80,000

74 0 0 0 10,80,000 13,00,000 0 0 8,000 35,35,000 0 1,28,000 1,52,54,000 0 0 35,46,000 1,52,65,000 46,15,000 1,63,34,000
75 0 0 0 0 13,00,000 12,00,000 0 8,000 0 0 1,28,000 0 35,57,000 1,55,30,000 38,32,000 1,71,50,000 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 (alongwith Guaranteed survival benefit) shall be deducted from the Surrender Values indicated, at the time of pay out.

I TAMILVANAN NAGARAJAN, have explained the premiums charges and benefits under I SARAVANAN S,having received the information with respect to the above, have
the product fully to the 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".