28-07-2022

Quote No : qb99t5g828q9a

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: SSDS DWD Name of the Product: HDFC Life Sanchay Par Advantage
Age: 44 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: SSDS DWD
Unique Identification No: 101N136V02
Age: 44
GST Rate: 4.5% for first year
Policy Term 56 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 12,00,000
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
 (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, if incl TB, if incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# TB, if TB, 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 1,00,000 0 0 0 12,00,000 0 0 0 0 0 0 0 0 0 12,00,000 12,00,000 0 0

2 1,00,000 0 0 60,000 12,00,000 0 0 0 10,000 0 0 10,000 0 0 12,00,000 12,00,000 70,000 70,000

3 1,00,000 0 0 1,05,000 12,00,000 0 0 0 15,000 0 0 15,000 0 0 12,00,000 12,00,000 1,20,000 1,20,000

4 1,00,000 0 0 2,00,000 12,00,000 0 0 0 20,000 0 0 20,000 0 0 12,00,000 12,00,000 2,20,000 2,20,000

5 1,00,000 0 0 2,50,000 12,00,000 0 0 0 25,000 0 0 25,000 0 0 12,00,000 12,00,000 2,75,000 2,75,000

6 1,00,000 0 0 3,00,000 12,00,000 0 0 0 30,000 0 0 45,000 0 0 12,00,000 12,00,000 3,30,000 3,45,000

7 1,00,000 0 0 3,50,000 12,00,000 0 0 0 62,000 0 0 1,26,000 0 0 12,00,000 12,00,000 4,12,000 4,76,000

8 1,00,000 0 0 4,64,000 12,00,000 0 0 0 72,000 0 0 1,69,000 0 0 12,00,000 12,00,000 5,36,000 6,33,000

9 1,00,000 0 0 5,85,000 12,00,000 0 0 0 94,000 0 0 2,35,000 0 0 12,00,000 12,00,000 6,79,000 8,20,000

10 1,00,000 0 0 7,30,000 12,00,000 0 0 0 1,13,000 0 0 3,10,000 0 0 12,00,000 12,00,000 8,43,000 10,40,000
11 1,00,000 0 0 8,80,000 12,00,000 0 0 0 1,47,000 0 0 4,16,000 0 0 12,00,000 12,96,000 10,27,000 12,96,000

12 1,00,000 0 0 10,80,000 12,60,000 0 0 0 1,54,000 0 0 5,12,000 0 0 12,60,000 15,92,000 12,34,000 15,92,000

13 0 0 0 10,80,000 12,60,000 0 0 0 2,01,000 0 0 6,36,000 0 0 12,81,000 17,16,000 12,81,000 17,16,000

14 0 0 50,400 10,80,000 12,60,000 0 0 6,600 2,55,000 0 75,600 7,83,000 0 0 12,78,000 17,37,000 13,35,000 18,63,000
15 0 0 50,400 10,80,000 12,60,000 0 0 6,600 3,09,000 0 75,600 9,23,000 0 0 12,75,000 17,51,000 13,89,000 20,03,000

16 0 0 50,400 10,80,000 12,60,000 0 0 6,600 4,33,000 0 75,600 11,62,000 0 0 13,42,000 18,64,000 15,13,000 22,42,000
17 0 0 50,400 10,80,000 12,60,000 0 0 6,600 4,86,000 0 75,600 13,05,000 0 0 13,38,000 18,82,000 15,66,000 23,85,000
18 0 0 50,400 10,80,000 12,60,000 0 0 6,600 5,38,000 0 75,600 14,50,000 0 0 13,34,000 19,00,000 16,18,000 25,30,000

19 0 0 50,400 10,80,000 12,60,000 0 0 6,600 5,91,000 0 75,600 15,95,000 0 0 13,29,000 19,20,000 16,71,000 26,75,000
20 0 0 50,400 10,80,000 12,60,000 0 0 6,600 6,43,000 0 75,600 17,43,000 0 0 13,25,000 19,41,000 17,23,000 28,23,000

21 0 0 50,400 10,80,000 12,60,000 0 0 6,600 6,95,000 0 75,600 18,92,000 0 0 13,20,000 19,64,000 17,75,000 29,72,000
22 0 0 50,400 10,80,000 12,60,000 0 0 6,600 7,47,000 0 75,600 19,88,000 0 0 13,15,000 19,89,000 18,27,000 30,68,000
23 0 0 50,400 10,80,000 12,60,000 0 0 6,600 7,99,000 0 75,600 20,15,000 0 0 13,09,000 20,15,000 18,79,000 30,95,000

24 0 0 50,400 10,80,000 12,60,000 0 0 6,600 8,50,000 0 75,600 20,43,000 0 0 13,03,000 20,44,000 19,30,000 31,23,000
25 0 0 50,400 10,80,000 12,60,000 0 0 6,600 9,01,000 0 75,600 20,74,000 0 0 12,97,000 20,75,000 19,81,000 31,54,000

26 0 0 50,400 10,80,000 12,60,000 0 0 6,600 9,51,000 0 75,600 21,07,000 0 0 12,91,000 21,08,000 20,31,000 31,87,000
27 0 0 50,400 10,80,000 12,60,000 0 0 6,600 10,02,000 0 75,600 21,42,000 0 0 12,84,000 21,43,000 20,82,000 32,22,000

28 0 0 50,400 10,80,000 12,60,000 0 0 6,600 10,52,000 0 75,600 21,81,000 0 0 12,77,000 21,81,000 21,32,000 32,61,000
29 0 0 50,400 10,80,000 12,60,000 0 0 6,600 11,01,000 0 75,600 22,22,000 0 0 12,70,000 22,22,000 21,81,000 33,02,000
30 0 0 50,400 10,80,000 12,60,000 0 0 6,600 11,50,000 0 75,600 22,66,000 0 0 12,62,000 22,66,000 22,30,000 33,46,000

31 0 0 50,400 10,80,000 12,60,000 0 0 6,600 11,99,000 0 75,600 23,13,000 0 0 12,60,000 23,14,000 22,79,000 33,93,000
32 0 0 50,400 10,80,000 12,60,000 0 0 6,600 12,44,000 0 75,600 23,64,000 0 0 12,60,000 23,65,000 23,24,000 34,44,000

33 0 0 50,400 10,80,000 12,60,000 0 0 6,600 12,35,000 0 75,600 24,19,000 0 0 12,60,000 24,20,000 23,15,000 34,99,000
34 0 0 50,400 10,80,000 12,60,000 0 0 6,600 12,25,000 0 75,600 24,78,000 0 0 12,60,000 24,79,000 23,05,000 35,58,000
35 0 0 50,400 10,80,000 12,60,000 0 0 6,600 12,14,000 0 75,600 25,41,000 0 0 12,60,000 25,42,000 22,94,000 36,21,000

36 0 0 50,400 10,80,000 12,60,000 0 0 6,600 12,03,000 0 75,600 26,10,000 0 0 12,60,000 26,11,000 22,83,000 36,90,000
37 0 0 50,400 10,80,000 12,60,000 0 0 6,600 11,92,000 0 75,600 26,83,000 0 0 12,60,000 26,84,000 22,72,000 37,63,000

38 0 0 50,400 10,80,000 12,60,000 0 0 6,600 11,79,000 0 75,600 27,62,000 0 0 12,60,000 27,63,000 22,59,000 38,42,000
39 0 0 0 10,80,000 12,60,000 0 0 11,500 12,10,000 0 1,26,000 28,47,000 0 0 12,60,000 28,48,000 22,90,000 39,27,000

40 0 0 0 10,80,000 12,60,000 0 0 11,500 12,40,000 0 1,26,000 29,33,000 0 0 12,60,000 29,34,000 23,20,000 40,13,000
41 0 0 0 10,80,000 12,60,000 0 0 11,500 12,72,000 0 1,26,000 30,25,000 0 0 12,73,000 30,27,000 23,52,000 41,05,000
42 0 0 0 10,80,000 12,60,000 0 0 11,500 13,04,000 0 1,26,000 31,24,000 0 0 13,06,000 31,26,000 23,84,000 42,04,000

43 0 0 0 10,80,000 12,60,000 0 0 11,500 13,38,000 0 1,26,000 32,31,000 0 0 13,40,000 32,33,000 24,18,000 43,11,000
44 0 0 0 10,80,000 12,60,000 0 0 11,500 13,73,000 0 1,26,000 33,46,000 0 0 13,74,000 33,47,000 24,53,000 44,26,000

45 0 0 0 10,80,000 12,60,000 0 0 11,500 14,08,000 0 1,26,000 34,69,000 0 0 14,10,000 34,71,000 24,88,000 45,49,000
46 0 0 0 10,80,000 12,60,000 0 0 11,500 14,45,000 0 1,26,000 36,02,000 0 0 14,47,000 36,04,000 25,25,000 46,82,000
47 0 0 0 10,80,000 12,60,000 0 0 11,500 14,82,000 0 1,26,000 37,45,000 0 0 14,84,000 37,47,000 25,62,000 48,25,000

48 0 0 0 10,80,000 12,60,000 0 0 11,500 15,21,000 0 1,26,000 38,99,000 0 0 15,23,000 39,01,000 26,01,000 49,79,000
49 0 0 0 10,80,000 12,60,000 0 0 11,500 15,61,000 0 1,26,000 40,64,000 0 0 15,63,000 40,66,000 26,41,000 51,44,000

50 0 0 0 10,80,000 12,60,000 0 0 11,500 16,02,000 0 1,26,000 42,42,000 0 0 16,04,000 42,44,000 26,82,000 53,22,000
51 0 0 0 10,80,000 12,60,000 0 0 11,500 16,44,000 0 1,26,000 44,33,000 0 0 16,47,000 44,36,000 27,24,000 55,13,000

52 0 0 0 10,80,000 12,60,000 0 0 11,500 16,87,000 0 1,26,000 46,39,000 0 0 16,90,000 46,42,000 27,67,000 57,19,000
 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, if incl TB, if incl of TB, incl of TB,
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# TB, if TB, 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)

53 0 0 0 10,80,000 12,60,000 0 0 11,500 17,32,000 0 1,26,000 48,61,000 0 0 17,35,000 48,64,000 28,12,000 59,41,000

54 0 0 0 10,80,000 12,60,000 0 0 11,500 17,77,000 0 1,26,000 50,99,000 0 0 17,80,000 51,03,000 28,57,000 61,79,000
55 0 0 0 10,80,000 12,60,000 0 0 11,500 18,24,000 0 1,26,000 53,56,000 0 0 18,27,000 53,59,000 29,04,000 64,36,000
56 0 0 0 0 12,60,000 12,00,000 0 11,500 0 0 1,26,000 0 18,91,000 54,42,000 19,74,000 59,32,000 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 SUMIT BERA, have explained the premiums charges and benefits under the product I SSDS DWD,having received the information with respect to the above, have
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".