19-07-2022

Quote No : qb8teb5126bk7

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: sarabjit Name of the Product: HDFC Life Sanchay Par Advantage
Age: 45 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: sarabjit
Unique Identification No: 101N136V02
Age: 45
GST Rate: 4.5% for first year
Policy Term 55 year(s)
2.25% second year onwards
Premium Payment Term: 6 year(s)
Amount of Installment Premium(Without GST): 60000
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 Immediate Income Sum Assured on Maturity Rs. 3,60,000

Sum Assured on Death (at inception

Bonus Type Cash Bonus 6,60,000
of 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 60000 0 0 0 0 0 60000

Instalment Premium with First Year GST 62700 0 0 0 0 0 62700

Instalment Premium with GST 2nd Year
61350 0 0 0 0 0 61350
Onwards
 (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 Total
Single / Total Total Total Total
Policy Death Death
Annualized Maturity Maturity Surrender Surrender
Year Benefit Benefit
Premium Benefit, Benefit, Benefit Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender incl of incl of
GA RB RB incl TB, incl TB, if incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# TB, if TB, if
if any, any, @ if any, @ if any, @
any, @ any, @
@ 4% 8% 4% 8%
4% 8%
(7+TB) (7+TB) (5+10) (5+13)
(6+TB) (6+TB)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
1 60,000 0 0 0 6,60,000 0 0 3,300 0 0 12,000 0 0 0 6,60,000 6,60,000 0 0

2 60,000 0 0 36,000 6,60,000 0 0 3,300 6,000 0 12,000 6,600 0 0 6,60,000 6,60,000 42,000 42,600

3 60,000 0 0 63,000 6,60,000 0 0 3,300 9,000 0 12,000 25,200 0 0 6,60,000 6,60,000 72,000 88,200
4 60,000 0 0 1,20,000 6,60,000 0 0 3,300 24,000 0 12,000 31,800 0 0 6,60,000 6,60,000 1,44,000 1,51,800

5 60,000 0 0 1,50,000 6,60,000 0 0 3,300 61,800 0 12,000 85,800 0 0 6,60,000 6,60,000 2,11,800 2,35,800

6 60,000 0 0 2,16,000 6,60,000 0 0 3,300 96,600 0 12,000 1,26,600 0 0 6,60,000 6,60,000 3,12,600 3,42,600
7 0 0 0 2,34,000 6,60,000 0 0 3,300 88,800 0 12,000 1,28,400 0 0 6,60,000 6,60,000 3,22,800 3,62,400

8 0 0 0 2,70,000 6,60,000 0 0 3,300 62,400 0 12,000 1,12,200 0 0 6,60,000 6,60,000 3,32,400 3,82,200

9 0 0 0 2,88,000 6,60,000 0 0 3,300 54,600 0 12,000 1,14,600 0 0 6,60,000 6,60,000 3,42,600 4,02,600

10 0 0 0 2,88,000 6,60,000 0 0 3,300 64,800 0 12,000 1,36,200 0 0 6,60,000 6,60,000 3,52,800 4,24,200
11 0 0 0 2,88,000 6,60,000 0 0 3,300 75,600 0 12,000 1,57,800 0 0 6,60,000 6,60,000 3,63,600 4,45,800

12 0 0 0 3,24,000 6,60,000 0 0 3,300 49,800 0 12,000 1,44,000 0 0 6,60,000 6,60,000 3,73,800 4,68,000

13 0 0 0 3,24,000 6,60,000 0 0 3,300 60,600 0 12,000 1,66,800 0 0 6,60,000 6,60,000 3,84,600 4,90,800

14 0 0 0 3,24,000 6,60,000 0 0 3,300 71,400 0 12,000 1,90,800 0 0 6,60,000 6,60,000 3,95,400 5,14,800

15 0 0 0 3,24,000 6,60,000 0 0 3,300 82,200 0 12,000 2,15,400 0 0 6,60,000 6,60,000 4,06,200 5,39,400

16 0 0 0 3,24,000 6,60,000 0 0 3,300 1,14,000 0 12,000 2,61,600 0 0 6,60,000 6,60,000 4,38,000 5,85,600
17 0 0 0 3,24,000 6,60,000 0 0 3,300 1,25,400 0 12,000 2,89,200 0 0 6,60,000 6,60,000 4,49,400 6,13,200

18 0 0 0 3,24,000 6,60,000 0 0 3,300 1,37,400 0 12,000 3,18,000 0 0 6,60,000 6,60,000 4,61,400 6,42,000

19 0 0 0 3,24,000 6,60,000 0 0 3,300 1,50,000 0 12,000 3,47,400 0 0 6,60,000 6,60,000 4,74,000 6,71,400

20 0 0 0 3,24,000 6,60,000 0 0 3,300 1,62,600 0 12,000 3,78,600 0 0 6,60,000 6,60,000 4,86,600 7,02,600

21 0 0 0 3,24,000 6,60,000 0 0 3,300 1,75,200 0 12,000 4,11,600 0 0 6,60,000 6,60,000 4,99,200 7,35,600
22 0 0 0 3,24,000 6,60,000 0 0 3,300 1,87,800 0 12,000 4,45,800 0 0 6,60,000 6,60,000 5,11,800 7,69,800

23 0 0 0 3,24,000 6,60,000 0 0 3,300 2,01,000 0 12,000 4,81,800 0 0 6,60,000 6,60,000 5,25,000 8,05,800

24 0 0 0 3,24,000 6,60,000 0 0 3,300 2,14,200 0 12,000 5,20,200 0 0 6,60,000 6,60,000 5,38,200 8,44,200

25 0 0 0 3,24,000 6,60,000 0 0 3,300 2,28,000 0 12,000 5,60,400 0 0 6,60,000 6,60,000 5,52,000 8,84,400

26 0 0 0 3,24,000 6,60,000 0 0 3,300 2,41,800 0 12,000 6,03,000 0 0 6,60,000 6,60,000 5,65,800 9,27,000

27 0 0 0 3,24,000 6,60,000 0 0 3,300 2,55,600 0 12,000 6,48,600 0 0 6,60,000 6,60,000 5,79,600 9,72,600
28 0 0 0 3,24,000 6,60,000 0 0 3,300 2,70,000 0 12,000 6,84,600 0 0 6,60,000 6,85,200 5,94,000 10,08,600

29 0 0 0 3,24,000 6,60,000 0 0 3,300 2,84,400 0 12,000 7,23,600 0 0 6,60,000 7,24,200 6,08,400 10,47,600

30 0 0 0 3,24,000 6,60,000 0 0 3,300 2,99,400 0 12,000 7,65,000 0 0 6,60,000 7,65,600 6,23,400 10,89,000

31 0 0 0 3,24,000 6,60,000 0 0 3,300 3,14,400 0 12,000 8,09,400 0 0 6,60,000 8,10,600 6,38,400 11,33,400

32 0 0 0 3,24,000 6,60,000 0 0 3,300 3,30,000 0 12,000 8,57,400 0 0 6,60,000 8,58,600 6,54,000 11,81,400
33 0 0 0 3,24,000 6,60,000 0 0 3,300 3,46,200 0 12,000 9,09,000 0 0 6,60,000 9,10,200 6,70,200 12,33,000

34 0 0 0 3,24,000 6,60,000 0 0 3,300 3,62,400 0 12,000 9,64,800 0 0 6,60,000 9,66,000 6,86,400 12,88,800

35 0 0 0 3,24,000 6,60,000 0 0 3,300 3,79,800 0 12,000 10,24,200 0 0 6,60,000 10,25,400 7,03,800 13,48,200

36 0 0 0 3,24,000 6,60,000 0 0 3,300 3,97,800 0 12,000 10,88,400 0 0 6,60,000 10,89,600 7,21,800 14,12,400

37 0 0 0 3,24,000 6,60,000 0 0 3,300 4,16,400 0 12,000 11,57,400 0 0 6,60,000 11,58,600 7,40,400 14,81,400

38 0 0 0 3,24,000 6,60,000 0 0 3,300 4,35,600 0 12,000 12,31,200 0 0 6,60,000 12,33,000 7,59,600 15,55,200
39 0 0 0 3,24,000 6,60,000 0 0 3,300 4,56,000 0 12,000 13,11,000 0 0 6,60,000 13,12,800 7,80,000 16,35,000

40 0 0 0 3,24,000 6,60,000 0 0 3,300 4,76,400 0 12,000 13,96,800 0 0 6,69,600 13,98,000 8,00,400 17,20,800

41 0 0 0 3,24,000 6,60,000 0 0 3,300 4,96,800 0 12,000 14,88,600 0 0 6,87,000 14,90,400 8,20,800 18,12,600

42 0 0 0 3,24,000 6,60,000 0 0 3,300 5,17,800 0 12,000 15,87,600 0 0 7,05,000 15,89,400 8,41,800 19,11,600

43 0 0 0 3,24,000 6,60,000 0 0 3,300 5,39,400 0 12,000 16,93,800 0 0 7,23,600 16,96,200 8,63,400 20,17,800
44 0 0 0 3,24,000 6,60,000 0 0 3,300 5,61,000 0 12,000 18,08,400 0 0 7,42,200 18,10,200 8,85,000 21,32,400

45 0 0 0 3,24,000 6,60,000 0 0 3,300 5,83,200 0 12,000 19,31,400 0 0 7,60,800 19,33,800 9,07,200 22,55,400

46 0 0 0 3,24,000 6,60,000 0 0 3,300 6,06,000 0 12,000 20,63,400 0 0 7,80,000 20,65,800 9,30,000 23,87,400

47 0 0 0 3,24,000 6,60,000 0 0 3,300 6,28,800 0 12,000 22,05,600 0 0 7,99,800 22,08,000 9,52,800 25,29,600

48 0 0 0 3,24,000 6,60,000 0 0 3,300 6,51,600 0 12,000 23,58,600 0 0 8,19,600 23,61,000 9,75,600 26,82,600

49 0 0 0 3,24,000 6,60,000 0 0 3,300 6,75,000 0 12,000 25,23,000 0 0 8,40,000 25,26,000 9,99,000 28,47,000
50 0 0 0 3,24,000 6,60,000 0 0 3,300 6,98,400 0 12,000 27,00,000 0 0 8,60,400 27,03,000 10,22,400 30,24,000

51 0 0 0 3,24,000 6,60,000 0 0 3,300 7,22,400 0 12,000 28,90,200 0 0 8,81,400 28,93,200 10,46,400 32,14,200
 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 Total
Single / Total Total Total Total
Policy Death Death
Annualized Maturity Maturity Surrender Surrender
Year Benefit Benefit
Premium Benefit, Benefit, Benefit Benefit
Survival Surrender Death Maturity Cash Surrender Cash Surrender incl of incl of
GA RB RB incl TB, incl TB, if incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# TB, if TB, if
if any, any, @ if any, @ if any, @
any, @ any, @
@ 4% 8% 4% 8%
4% 8%
(7+TB) (7+TB) (5+10) (5+13)
(6+TB) (6+TB)

52 0 0 0 3,24,000 6,60,000 0 0 3,300 7,46,400 0 12,000 30,94,200 0 0 9,02,400 30,97,800 10,70,400 34,18,200

53 0 0 0 3,24,000 6,60,000 0 0 3,300 7,70,400 0 12,000 33,14,400 0 0 9,23,400 33,18,000 10,94,400 36,38,400

54 0 0 0 3,24,000 6,60,000 0 0 3,300 7,95,000 0 12,000 35,50,800 0 0 9,44,400 35,54,400 11,19,000 38,74,800

55 0 0 0 0 6,60,000 3,60,000 0 3,300 0 0 12,000 0 9,46,800 36,39,000 10,16,400 40,09,800 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 SUMIT BERA, have explained the premiums charges and benefits under the I sarabjit ,having received the information with respect to the above, have
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".