02-05-2024

Quote No : c6ehfkacdeu

Benefit Illustration for HDFC Life Smart Protect Plan

This illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your HDFC
Life Smart Protect Plan

DETAILS
Age is taken as on last birthday Proposal No:
Name of the Prospect/Policyholder: Vikas Name of Product: HDFC Life Smart Protect Plan
A Unit Linked Non-Participating Individual
Age: 60 years* Tag Line:
Life Insurance Plan
Name of Life Assured: Vikas Unique Identification No: 101L175V02
Age: 60 years* GST Rate: 18%*
Gender: M Investment Strategy opted for: 100% Equity oriented
Basic Sum Assured (at inception) (Rs.): Rs.5000000
Policy Term & Premium Payment Term: 30 year(s) & 10 year(s)
Plan Option: Level Cover
Amount of Instalment Premium (Rs.) : Rs.250000
Mode of payment of Premium: Annual
Level Cover Period(yrs) (for Decreasing
Cover and Decreasing Cover with Capital
Guarantee):

Funds opted for along with their risk level(For Level Cover and Decreasing Cover Plan Option)
Fund Risk Level Fund SFIN Fund Allocation (%)

Diversified Equity Fund Very High ULIF05501/08/13DivrEqtyFd101 100

Bond Fund Moderate ULIF05601/08/13Bond Funds101 0
Discovery Fund Very High ULIF06618/01/18DiscvryFnd101 0

Equity Advantage Fund Very High ULIF06723/03/18EqtyAdvtFd101 0

Sustainable Equity Fund Very High ULIF07019/07/21SustnblEqF101 0
Flexi Cap Fund Very High ULIF07114/07/23FlexiCapFd101 0
Midcap Momentum Fund High ULIF07317/01/24MidCpMoIdx101 0

Rider Details
Rider Name Rider UIN Rider PPT Rider PT Rider Sum Assured Rs.
Income Benefit on Accidental Disability Rider 101B013V03 10 Years 15 Years 5000000

HDFC Life Protect Plus rider - Accidental Death Cover 101B016V01 120 Months 180 Months 5000000

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

Instalment Premium without GST 2,50,000 0 1882 0 3361 0 2,55,243

Instalment Premium with GST 2,50,000 0 2221 0 3966 0 2,56,187

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 and taxes, 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% p.a. and 4% p.a. 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 and 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.
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 illustration 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 dependanton a number of factors including future investment performance.
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 2,50,000 45,588 30,080 13,620 1,68,199 1,61,119 50,00,000 45,554 30,136 13,624 1,75,674 1,68,594 50,00,000 75,000

2 2,50,000 46,980 17,611 11,626 3,56,815 3,50,915 50,00,000 46,832 17,826 11,638 3,79,657 3,73,757 50,00,000 1,250

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 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)

3 2,50,000 48,259 17,721 11,877 5,51,366 5,46,646 50,00,000 47,890 18,206 11,897 5,98,322 5,93,602 50,00,000 1,250

4 2,50,000 49,444 17,913 12,124 7,52,104 7,49,744 50,00,000 48,714 18,794 12,152 8,32,877 8,30,517 50,00,000 1,250
5 2,50,000 50,525 19,219 12,554 9,58,169 9,58,169 50,00,000 49,254 20,636 12,580 10,83,620 10,83,620 50,00,000 1,250

6 2,50,000 51,607 22,029 13,254 11,67,797 11,67,797 50,00,000 49,560 24,135 13,265 13,49,769 13,49,769 50,00,000 1,250

7 2,50,000 52,643 24,889 13,956 13,81,127 13,81,127 50,00,000 49,520 27,852 13,927 16,32,714 16,32,714 50,00,000 1,250
8 2,50,000 53,608 27,799 14,653 15,98,329 15,98,329 50,00,000 49,019 31,808 14,549 19,34,073 19,34,073 50,00,000 1,250

9 2,50,000 54,456 30,763 15,339 18,19,635 18,19,635 50,00,000 47,898 36,026 15,106 22,55,761 22,55,761 50,00,000 1,250

10 2,50,000 55,115 33,786 16,002 21,00,368 20,45,368 50,00,000 45,940 40,536 15,566 26,55,078 26,00,078 50,00,000 1,250
11 0 58,712 34,741 16,821 21,89,677 21,57,044 50,00,000 46,146 43,192 16,081 28,77,230 28,44,607 50,00,000 0

12 0 62,212 35,949 17,669 22,74,722 22,46,856 50,00,000 45,327 46,318 16,496 31,11,984 30,84,155 50,00,000 0
13 0 66,082 37,095 18,572 23,54,732 23,31,652 50,00,000 43,703 49,623 16,799 33,60,665 33,37,667 50,00,000 0

14 0 70,372 38,167 19,537 24,18,895 24,10,618 50,00,000 41,020 53,129 16,947 36,14,959 36,06,834 50,00,000 0

15 0 75,447 39,014 20,603 24,80,690 24,72,227 50,00,000 37,264 56,719 16,917 38,90,941 38,82,733 50,00,000 0
16 0 81,003 39,824 21,749 25,39,487 25,30,844 50,00,000 31,650 60,626 16,610 41,91,760 41,83,517 50,00,000 0

17 0 87,102 40,589 22,984 25,94,476 25,85,662 50,00,000 23,616 64,896 15,932 45,21,216 45,13,000 50,00,000 0
18 0 93,834 41,294 24,323 26,44,667 26,35,693 50,00,000 12,448 69,587 14,766 48,83,988 48,75,880 50,00,000 0

19 0 1,01,315 41,927 25,784 26,88,816 26,79,702 50,00,000 990 74,755 13,634 52,81,323 52,73,435 52,81,323 0

20 0 1,09,710 42,466 27,392 27,25,306 27,16,085 50,00,000 0 80,296 14,453 57,00,877 56,93,357 57,00,877 0

21 0 1,19,072 42,933 29,161 27,58,744 27,49,060 50,00,000 0 86,164 15,509 61,47,280 61,39,900 61,47,280 0

22 0 1,29,452 43,344 31,103 27,87,644 27,77,388 50,00,000 0 92,390 16,630 66,20,099 66,12,914 66,20,099 0
23 0 1,41,038 43,687 33,250 28,11,204 28,00,313 50,00,000 0 98,975 17,816 71,19,341 71,12,498 71,19,341 0

24 0 1,54,046 43,951 35,639 28,28,448 28,16,852 50,00,000 0 1,05,917 19,065 76,44,491 76,38,182 76,44,491 0

25 0 1,68,740 44,123 38,315 28,38,799 28,26,365 50,00,000 0 1,13,207 20,377 81,94,977 81,89,395 81,94,977 0

26 0 1,85,453 44,189 41,336 28,40,655 28,27,302 50,00,000 0 1,20,828 21,749 87,68,574 87,64,053 87,68,574 0

27 0 2,04,663 44,125 44,782 28,31,930 28,17,565 50,00,000 0 1,28,742 23,174 93,61,762 93,58,734 93,61,762 0

28 0 2,27,017 43,896 48,765 28,09,899 27,94,412 50,00,000 0 1,36,891 24,640 99,69,331 99,68,359 99,69,331 0
29 0 2,53,407 43,461 53,436 27,70,940 27,54,201 50,00,000 0 1,45,210 26,138 1,05,91,466 1,05,91,466 1,05,91,466 0

30 0 2,85,073 42,761 59,010 35,66,045 26,92,048 50,00,000 0 1,53,876 27,698 1,30,84,462 1,12,50,666 1,30,84,462 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, Vikas ,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 7.87% 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 2,50,000 27,500 2,22,500 45,554 13,624 0 0 0 0 1,75,907 2,636 1,75,674 1,68,594 50,00,000

2 2,50,000 12,500 2,37,500 46,832 11,638 0 0 0 0 3,80,162 5,326 3,79,657 3,73,757 50,00,000
3 2,50,000 10,000 2,40,000 47,890 11,897 0 0 0 0 5,99,117 8,206 5,98,322 5,93,602 50,00,000

4 2,50,000 7,500 2,42,500 48,714 12,152 0 0 0 0 8,33,983 11,294 8,32,877 8,30,517 50,00,000

5 2,50,000 0 2,50,000 49,254 12,580 6,000 0 0 0 10,85,060 14,636 10,83,620 10,83,620 50,00,000

6 2,50,000 0 2,50,000 49,560 13,265 6,000 0 0 0 13,51,562 18,135 13,49,769 13,49,769 50,00,000

7 2,50,000 0 2,50,000 49,520 13,927 6,000 0 0 0 16,34,883 21,852 16,32,714 16,32,714 50,00,000
8 2,50,000 0 2,50,000 49,019 14,549 6,000 0 0 0 19,36,642 25,808 19,34,073 19,34,073 50,00,000

9 2,50,000 0 2,50,000 47,898 15,106 6,000 0 0 0 22,58,758 30,026 22,55,761 22,55,761 50,00,000

10 2,50,000 0 2,50,000 45,940 15,566 6,000 0 0 55,000 26,03,532 34,536 26,55,078 26,00,078 50,00,000

11 0 0 0 46,146 16,081 6,000 0 0 1,16,108 28,48,386 37,192 28,77,230 28,44,607 50,00,000

12 0 0 0 45,327 16,496 6,000 0 0 1,13,664 30,88,252 40,318 31,11,984 30,84,155 50,00,000

13 0 0 0 43,703 16,799 6,000 0 0 1,10,779 33,42,101 43,623 33,60,665 33,37,667 50,00,000

14 0 0 0 41,020 16,947 6,000 0 0 97,429 36,11,626 47,129 36,14,959 36,06,834 50,00,000

15 0 0 0 37,264 16,917 6,000 0 0 98,508 38,87,891 50,719 38,90,941 38,82,733 50,00,000

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 Gross
8% p.a Net Yield 7.87% 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)

16 0 0 0 31,650 16,610 6,000 0 0 99,120 41,89,075 54,626 41,91,760 41,83,517 50,00,000

17 0 0 0 23,616 15,932 6,000 0 0 99,039 45,18,996 58,896 45,21,216 45,13,000 50,00,000

18 0 0 0 12,448 14,766 6,000 0 0 98,038 48,82,358 63,587 48,83,988 48,75,880 50,00,000

19 0 0 0 990 13,634 6,000 0 0 95,797 52,80,441 68,755 52,81,323 52,73,435 52,81,323

20 0 0 0 0 14,453 6,000 0 0 91,881 57,00,920 74,296 57,00,877 56,93,357 57,00,877

21 0 0 0 0 15,509 6,000 0 0 92,292 61,48,057 80,164 61,47,280 61,39,900 61,47,280

22 0 0 0 0 16,630 6,000 0 0 90,655 66,21,700 86,390 66,20,099 66,12,914 66,20,099

23 0 0 0 0 17,816 6,000 0 0 87,406 71,21,947 92,975 71,19,341 71,12,498 71,19,341

24 0 0 0 0 19,065 6,000 0 0 82,040 76,48,329 99,917 76,44,491 76,38,182 76,44,491

25 0 0 0 0 20,377 6,000 0 0 74,528 82,00,275 1,07,207 81,94,977 81,89,395 81,94,977

26 0 0 0 0 21,749 6,000 0 0 63,300 87,75,696 1,14,828 87,68,574 87,64,053 87,68,574

27 0 0 0 0 23,174 6,000 0 0 47,233 93,71,168 1,22,742 93,61,762 93,58,734 93,61,762

28 0 0 0 0 24,640 6,000 0 0 24,896 99,81,602 1,30,891 99,69,331 99,68,359 99,69,331

29 0 0 0 0 26,138 6,000 0 0 1,980 1,06,05,537 1,39,210 1,05,91,466 1,05,91,466 1,05,91,466

30 0 0 0 0 27,698 6,000 0 0 18,33,795 1,12,65,613 1,47,876 1,30,84,462 1,12,50,666 1,30,84,462

Gross
4% p.a 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 GST FMC
Charge Charge Charge charges* the fund before FMC of Year Value Benefit
(AP) Charge

(PAC) (AP)-(PAC)

1 2,50,000 27,500 2,22,500 45,588 13,620 0 0 0 0 1,68,423 2,580 1,68,199 1,61,119 50,00,000

2 2,50,000 12,500 2,37,500 46,980 11,626 0 0 0 0 3,57,289 5,111 3,56,815 3,50,915 50,00,000

3 2,50,000 10,000 2,40,000 48,259 11,877 0 0 0 0 5,52,098 7,721 5,51,366 5,46,646 50,00,000

4 2,50,000 7,500 2,42,500 49,444 12,124 0 0 0 0 7,53,104 10,413 7,52,104 7,49,744 50,00,000
5 2,50,000 0 2,50,000 50,525 12,554 6,000 0 0 0 9,59,442 13,219 9,58,169 9,58,169 50,00,000

6 2,50,000 0 2,50,000 51,607 13,254 6,000 0 0 0 11,69,349 16,029 11,67,797 11,67,797 50,00,000

7 2,50,000 0 2,50,000 52,643 13,956 6,000 0 0 0 13,82,961 18,889 13,81,127 13,81,127 50,00,000

8 2,50,000 0 2,50,000 53,608 14,653 6,000 0 0 0 16,00,452 21,799 15,98,329 15,98,329 50,00,000

9 2,50,000 0 2,50,000 54,456 15,339 6,000 0 0 0 18,22,052 24,763 18,19,635 18,19,635 50,00,000
10 2,50,000 0 2,50,000 55,115 16,002 6,000 0 0 55,000 20,48,085 27,786 21,00,368 20,45,368 50,00,000

11 0 0 0 58,712 16,821 6,000 0 0 1,16,175 21,59,909 28,741 21,89,677 21,57,044 50,00,000

12 0 0 0 62,212 17,669 6,000 0 0 1,13,960 22,49,841 29,949 22,74,722 22,46,856 50,00,000

13 0 0 0 66,082 18,572 6,000 0 0 1,11,519 23,34,750 31,095 23,54,732 23,31,652 50,00,000
14 0 0 0 70,372 19,537 6,000 0 0 98,888 24,13,820 32,167 24,18,895 24,10,618 50,00,000

15 0 0 0 75,447 20,603 6,000 0 0 1,01,050 24,75,511 33,014 24,80,690 24,72,227 50,00,000

16 0 0 0 81,003 21,749 6,000 0 0 1,03,213 25,34,206 33,824 25,39,487 25,30,844 50,00,000

17 0 0 0 87,102 22,984 6,000 0 0 1,05,285 25,89,097 34,589 25,94,476 25,85,662 50,00,000

18 0 0 0 93,834 24,323 6,000 0 0 1,07,216 26,39,194 35,294 26,44,667 26,35,693 50,00,000
19 0 0 0 1,01,315 25,784 6,000 0 0 1,08,912 26,83,262 35,927 26,88,816 26,79,702 50,00,000

20 0 0 0 1,09,710 27,392 6,000 0 0 1,10,230 27,19,693 36,466 27,25,306 27,16,085 50,00,000

21 0 0 0 1,19,072 29,161 6,000 0 0 1,17,423 27,52,712 36,933 27,58,744 27,49,060 50,00,000

22 0 0 0 1,29,452 31,103 6,000 0 0 1,24,425 27,81,077 37,344 27,87,644 27,77,388 50,00,000

23 0 0 0 1,41,038 33,250 6,000 0 0 1,32,164 28,04,033 37,687 28,11,204 28,00,313 50,00,000
24 0 0 0 1,54,046 35,639 6,000 0 0 1,40,745 28,20,594 37,951 28,28,448 28,16,852 50,00,000

25 0 0 0 1,68,740 38,315 6,000 0 0 1,50,894 28,30,120 38,123 28,38,799 28,26,365 50,00,000

26 0 0 0 1,85,453 41,336 6,000 0 0 1,62,007 28,31,058 38,189 28,40,655 28,27,302 50,00,000

27 0 0 0 2,04,663 44,782 6,000 0 0 1,74,204 28,21,308 38,125 28,31,930 28,17,565 50,00,000

28 0 0 0 2,27,017 48,765 6,000 0 0 1,87,669 27,98,125 37,896 28,09,899 27,94,412 50,00,000

29 0 0 0 2,53,407 53,436 6,000 0 0 2,02,630 27,57,860 37,461 27,70,940 27,54,201 50,00,000

30 0 0 0 2,85,073 59,010 6,000 0 0 10,75,267 26,95,625 36,761 35,66,045 26,92,048 50,00,000
*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. For Decreasing Cover and Decreasing Cover with Capital Guarantee plan options, riders will be available during Level cover period only.
4. 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.

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5. #Additions to the Fund refers to the periodic additions through a) Return of 2X to 3X Mortality Charges, b) Return of 2X Premium Allocation Charges c) Return of Fund
Management Charge, and d) Return of 2X Investment Guarantee Charge (if applicable), as per terms and conditions.
6. For Level Cover with Capital Guarantee and Decreasing Cover with Capital Guarantee plan options, the maturity benefit will be higher of Fund Value at Maturity and Assured
Benefit, where Assured Benefit is the Total Premiums Paid Less Total Partial Withdrawals made (if any).

I, , have explained the premiums, charges and benefits under the policy fully to the I, Vikas ,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

HDFC Life Insurance Company Limited (IRDAI Reg. No. 101) (CIN: L65110MH2000PLC128245)
Registered and Corporate Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, Mahalaxmi, Mumbai-400011
Trade logo displayed above belongs to HDFC Life Insurance Company Limited under a license.

For more information, Call the HDFC Life Insurance Company Limited Helpline number 1860-267-9999 (local charges apply) 022-68446530 (STD charges apply) or Visit us at:
www.hdfclife.com

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