14-09-2023

Quote No : builacxwlwl

Benefit Illustration for HDFC Life Sampoorn Nivesh

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your
HDFC Life Sampoorn Nivesh

DETAILS
Proposal No:
Name of the Prospect/Policy holder: Sir Name of Product: HDFC Life Sampoorn Nivesh
A Unit Linked Non Participating Life
Age: 37 Tag Line:
Insurance Plan
Name of Life Assured: Sir Unique Identification No: 101L103V03
Age: 37 GST Rate: 18%*
Investment Strategy
Sum Assured: Rs.500000 100% Equity oriented
opted for:
Policy Term & Premium Payment Term: 10year(s) & 5year(s)
Plan option: Extra Life
Death benefit option: Classic
Amount of Instalment Premium: Rs.50000
Mode of payment of Premium: Annual
*0% if qualifies as zero-rated supply under GST law

Funds opted for along with their risk level:

Fund Risk Level Fund SFIN Fund Allocation (%)

Equity Plus Fund High ULIF05301/08/13EquityPlus101 0

Diversified Equity Fund High ULIF05501/08/13DivrEqtyFd101 0

Blue Chip Fund High ULIF03501/01/10BlueChipFd101 0

Opportunities Fund High ULIF03601/01/10OpprtntyFd101 100
Balanced Fund Medium ULIF03901/09/10BalancedFd101 0

Bond Fund Low ULIF05601/08/13Bond Funds101 0

Conservative Fund Low ULIF05801/08/13ConsertvFd101 0
Discovery Fund High ULIF06618/01/18DiscvryFnd101 0
Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0

Premium Summary

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

Instalment Premium without GST 50,000 0 0 0 0 0 50000

Instalment Premium with First Year GST 50,000 0 0 0 0 0 50000

Instalment Premium with GST 2nd Year Onwards 50,000 0 0 0 0 0 50000

How to read and understand this benefit illustration?

This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges, may grow over the years of the policy term if the
fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% and 4% are assumed only for the purpose of illustrating the flow of benefits if the returns are at this level. It
should not be interpreted that the returns under the plan are going to be either 8% p.a. or 4% p.a.
Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges, underwriting extra, if any, guarantee
charges and cost of riders, if deducted by cancellation of units. It demonstrates the impact of charges exclusive of taxes on the net yield. Please note that the mortality charges per
thousand sum assured in general, increases with age.
The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of riders, etc. The investment risk in
this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales literature carefully.
Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death benefit, at two assumed rates of
return. Part B of this statement presents a detailed break-up of the charges, and other values.
PART A
At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intermediary
Charges Year Charges Year
(Rs)

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

1 50,000 1,232 5,101 1,140 44,271 40,731 5,00,000 1,230 5,113 1,142 46,002 42,462 5,00,000 3,000

2 50,000 1,200 4,723 1,066 90,832 88,472 5,00,000 1,193 4,773 1,074 96,198 93,838 5,00,000 250
3 50,000 1,160 5,360 1,174 1,38,536 1,36,766 5,00,000 1,143 5,474 1,191 1,49,614 1,47,844 5,00,000 250

4 50,000 1,110 5,522 1,194 1,88,028 1,86,848 5,00,000 1,075 5,729 1,225 2,07,100 2,05,920 5,00,000 250

5 50,000 1,046 6,199 1,304 2,38,763 2,38,763 5,00,000 986 6,533 1,353 2,68,315 2,68,315 5,00,000 250
6 0 1,100 5,339 1,159 2,40,565 2,40,565 5,00,000 1,004 5,820 1,228 2,81,413 2,81,413 5,00,000 0
 At 4% Gross Investment Return At 8% Gross Investment Return

Annualized Commission
Policy year Mortality, Fund at Mortality, Fund at
Premium Other Surrender Death Other Surrender Death Payable to
Morbidity GST End of Morbidity GST End of
Charges* Value Benefit Charges* Value Benefit Intermediary
Charges Year Charges Year
(Rs)

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15)

7 0 1,166 5,467 1,194 2,42,205 2,42,205 5,00,000 1,024 6,107 1,284 2,95,183 2,95,183 5,00,000 0

8 0 1,242 5,598 1,231 2,43,660 2,43,660 5,00,000 1,044 6,408 1,341 3,09,661 3,09,661 5,00,000 0

9 0 1,331 5,732 1,271 2,44,905 2,44,905 5,00,000 1,061 6,725 1,402 3,24,887 3,24,887 5,00,000 0
10 0 1,434 5,869 1,315 2,45,910 2,45,910 5,00,000 1,074 7,058 1,464 3,40,908 3,40,908 5,00,000 0

*See Part B for details.

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATIVE PURPOSE.

I , have explained the premiums charges and benefits under the policy fully to the I Sir ,having received the information with respect to the above, have understood
prospect / policy holder. the above statement before entering into the contract.

Place:

Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder

PART B
Gross
8% p.a Net Yield 5.13% Amount in Rupees
Yield

Annualized
Premium Premium
Annualized Allocation -Premium Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge Allocation Charge GST FMC
Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge

(PAC) (AP)-(PAC)

1 50,000 4,500 45,500 1,230 1,142 0 0 0 0 46,063 613 46,002 42,462 5,00,000

2 50,000 3,500 46,500 1,193 1,074 0 0 0 0 96,326 1,273 96,198 93,838 5,00,000

3 50,000 3,500 46,500 1,143 1,191 0 0 0 0 1,49,812 1,974 1,49,614 1,47,844 5,00,000

4 50,000 3,000 47,000 1,075 1,225 0 0 0 0 2,07,376 2,729 2,07,100 2,05,920 5,00,000
5 50,000 3,000 47,000 986 1,353 0 0 0 0 2,68,671 3,533 2,68,315 2,68,315 5,00,000

6 0 0 0 1,004 1,228 2,100 0 0 0 2,81,787 3,720 2,81,413 2,81,413 5,00,000

7 0 0 0 1,024 1,284 2,205 0 0 0 2,95,575 3,902 2,95,183 2,95,183 5,00,000

8 0 0 0 1,044 1,341 2,315 0 0 0 3,10,072 4,093 3,09,661 3,09,661 5,00,000

9 0 0 0 1,061 1,402 2,431 0 0 0 3,25,319 4,294 3,24,887 3,24,887 5,00,000

10 0 0 0 1,074 1,464 2,553 0 0 0 3,41,361 4,505 3,40,908 3,40,908 5,00,000

Gross
4% p.a Amount in Rupees
Yield

Premium Annualized
Annualized Allocation Premium
Mortality Policy Admin Guarantee Other Additions to Fund Fund at End Surrender Death
Policy Year Premium Charge -Premium GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP)
(PAC) (AP)-(PAC)

1 50,000 4,500 45,500 1,232 1,140 0 0 0 0 44,330 601 44,271 40,731 5,00,000

2 50,000 3,500 46,500 1,200 1,066 0 0 0 0 90,952 1,223 90,832 88,472 5,00,000

3 50,000 3,500 46,500 1,160 1,174 0 0 0 0 1,38,720 1,860 1,38,536 1,36,766 5,00,000

4 50,000 3,000 47,000 1,110 1,194 0 0 0 0 1,88,278 2,522 1,88,028 1,86,848 5,00,000
5 50,000 3,000 47,000 1,046 1,304 0 0 0 0 2,39,080 3,199 2,38,763 2,38,763 5,00,000

6 0 0 0 1,100 1,159 2,100 0 0 0 2,40,884 3,239 2,40,565 2,40,565 5,00,000

7 0 0 0 1,166 1,194 2,205 0 0 0 2,42,527 3,262 2,42,205 2,42,205 5,00,000

8 0 0 0 1,242 1,231 2,315 0 0 0 2,43,984 3,283 2,43,660 2,43,660 5,00,000

9 0 0 0 1,331 1,271 2,431 0 0 0 2,45,230 3,301 2,44,905 2,44,905 5,00,000

10 0 0 0 1,434 1,315 2,553 0 0 0 2,46,237 3,316 2,45,910 2,45,910 5,00,000

*Specify details if any,
Notes:

1. Refer the sales literature for explanation of terms used in this illustration.
2. Fund management charge is based on the specific fund option(s) chosen.
3. In case rider charges are collected explicitly through collection of rider premium, and not by way of cancellation of units, then, such charges are not considered in this illustration.
In other cases, rider charges are included in other charges.
I , have explained the premiums charges and benefits under the policy fully to the I Sir ,having received the information with respect to the above, have understood
prospect / policy holder. the above statement before entering into the contract.

Place:

Date: Signature of Agent /Intermediary / Official

Date: Signature of Prospect / Policyholder

Channel Name : Agency

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