14-05-2024

Quote No : c70mptnpljk

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: Q Kumar Name of the Product: HDFC Life Sanchay Par Advantage
Age: 65 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: a
Unique Identification No: 101N136V03
Age: 22
GST Rate: 4.5%* for first year
Policy Term 78 year(s)
2.25%* second year onwards
Premium Payment Term: 12 year(s)
Amount of Installment Premium(Without GST): 200000
Mode of Payment of Premium: Annual
Mode of Payment of Survival Benefit: Annual
*0% if qualifies as zero-rated supply under GST law

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. 24,00,000
Sum Assured on Death (at inception of
Bonus Type Cash Bonus 26,60,000
the policy) Rs.

Rider Details
Rider Name Rider UIN Rider PPT Rider PT Rider Sum Assured Rs.
Waiver Of Premium 101B032V01 12 Years 12 Years -

Premium Summary
Base CI IB Total Installment
PP Rider (PAC) PP Rider (ADC) PP Rider (CC) WOP Rider
Plan Rider Rider Premium
Instalment Premium without GST 200000 0 0 0 0 0 78260 278260
Instalment Premium with First
209000 0 0 0 0 0 92347 301347
Year GST
Instalment Premium with GST 2nd
204500 0 0 0 0 0 92347 296847
Year Onwards

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

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
1 2,00,000 0 0 0 26,60,000 0 0 0 0 0 0 0 0 0 26,60,000 26,60,000 0 0

2 2,00,000 0 0 1,20,000 26,60,000 0 0 0 20,000 0 0 20,000 0 0 26,60,000 26,60,000 1,40,000 1,40,000

3 2,00,000 0 0 2,10,000 26,60,000 0 0 0 30,000 0 0 30,000 0 0 26,60,000 26,60,000 2,40,000 2,40,000

4 2,00,000 0 0 4,00,000 26,60,000 0 0 0 40,000 0 0 40,000 0 0 26,60,000 26,60,000 4,40,000 4,40,000

5 2,00,000 0 0 5,00,000 26,60,000 0 0 0 50,000 0 0 50,000 0 0 26,60,000 26,60,000 5,50,000 5,50,000

6 2,00,000 0 0 6,00,000 26,60,000 0 0 0 60,000 0 0 1,02,000 0 0 26,60,000 26,60,000 6,60,000 7,02,000

7 2,00,000 0 0 7,00,000 26,60,000 0 0 0 1,36,000 0 0 2,66,000 0 0 26,60,000 26,60,000 8,36,000 9,66,000

8 2,00,000 0 0 9,28,000 26,60,000 0 0 0 1,60,000 0 0 3,56,000 0 0 26,60,000 26,60,000 10,88,000 12,84,000

9 2,00,000 0 0 11,70,000 26,60,000 0 0 0 2,08,000 0 0 4,92,000 0 0 26,60,000 26,60,000 13,78,000 16,62,000

10 2,00,000 0 0 14,60,000 26,60,000 0 0 0 2,50,000 0 0 6,46,000 0 0 26,60,000 26,60,000 17,10,000 21,06,000

11 2,00,000 0 0 17,60,000 26,60,000 0 0 0 3,22,000 0 0 8,64,000 0 0 26,60,000 26,60,000 20,82,000 26,24,000

12 2,00,000 0 0 21,60,000 26,60,000 0 0 0 3,38,000 0 0 10,60,000 0 0 26,60,000 32,22,000 24,98,000 32,20,000

13 0 0 0 21,60,000 26,60,000 0 0 0 4,34,000 0 0 13,12,000 0 0 26,60,000 34,74,000 25,94,000 34,72,000

14 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 5,44,000 0 1,53,600 16,10,000 0 0 26,60,000 35,14,000 27,04,000 37,70,000
15 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 6,54,000 0 1,53,600 18,94,000 0 0 26,60,000 35,44,000 28,14,000 40,54,000

16 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 9,08,000 0 1,53,600 23,80,000 0 0 27,32,000 37,72,000 30,68,000 45,40,000

17 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 10,16,000 0 1,53,600 26,70,000 0 0 27,30,000 38,06,000 31,76,000 48,30,000

18 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 11,26,000 0 1,53,600 29,64,000 0 0 27,28,000 38,44,000 32,86,000 51,24,000

19 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 12,34,000 0 1,53,600 32,60,000 0 0 27,26,000 38,84,000 33,94,000 54,20,000
20 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 13,42,000 0 1,53,600 35,58,000 0 0 27,22,000 39,26,000 35,02,000 57,18,000

21 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 14,52,000 0 1,53,600 38,62,000 0 0 27,18,000 39,74,000 36,12,000 60,22,000

22 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 15,60,000 0 1,53,600 40,24,000 0 0 27,16,000 40,24,000 37,20,000 61,84,000

23 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 16,68,000 0 1,53,600 40,76,000 0 0 27,12,000 40,78,000 38,28,000 62,36,000

24 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 17,76,000 0 1,53,600 41,34,000 0 0 27,08,000 41,36,000 39,36,000 62,94,000

25 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 18,82,000 0 1,53,600 41,98,000 0 0 27,04,000 41,98,000 40,42,000 63,58,000
26 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 19,90,000 0 1,53,600 42,64,000 0 0 27,00,000 42,66,000 41,50,000 64,24,000

27 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 20,98,000 0 1,53,600 43,38,000 0 0 26,96,000 43,38,000 42,58,000 64,98,000

28 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 22,04,000 0 1,53,600 44,16,000 0 0 26,90,000 44,16,000 43,64,000 65,76,000

29 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 23,10,000 0 1,53,600 45,00,000 0 0 26,86,000 45,00,000 44,70,000 66,60,000

30 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 24,16,000 0 1,53,600 45,90,000 0 0 26,80,000 45,90,000 45,76,000 67,50,000
31 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 25,22,000 0 1,53,600 46,88,000 0 0 26,74,000 46,88,000 46,82,000 68,48,000

32 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 26,28,000 0 1,53,600 47,92,000 0 0 26,68,000 47,94,000 47,88,000 69,52,000

33 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 26,60,000 0 1,53,600 49,06,000 0 0 26,62,000 49,06,000 48,20,000 70,66,000

34 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 26,54,000 0 1,53,600 50,28,000 0 0 26,60,000 50,28,000 48,14,000 71,88,000

35 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 26,46,000 0 1,53,600 51,58,000 0 0 26,60,000 51,60,000 48,06,000 73,18,000
36 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 26,38,000 0 1,53,600 53,00,000 0 0 26,60,000 53,02,000 47,98,000 74,60,000

37 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 26,30,000 0 1,53,600 54,52,000 0 0 26,60,000 54,54,000 47,90,000 76,12,000

38 0 0 1,02,400 21,60,000 26,60,000 0 0 9,200 26,22,000 0 1,53,600 56,16,000 0 0 26,60,000 56,18,000 47,82,000 77,76,000

39 0 0 0 21,60,000 26,60,000 0 0 16,000 27,02,000 0 2,56,000 57,94,000 0 0 27,04,000 57,94,000 48,62,000 79,54,000

40 0 0 0 21,60,000 26,60,000 0 0 16,000 27,86,000 0 2,56,000 59,72,000 0 0 27,88,000 59,74,000 49,46,000 81,32,000
41 0 0 0 21,60,000 26,60,000 0 0 16,000 28,72,000 0 2,56,000 61,64,000 0 0 28,74,000 61,66,000 50,32,000 83,24,000

42 0 0 0 21,60,000 26,60,000 0 0 16,000 29,62,000 0 2,56,000 63,72,000 0 0 29,64,000 63,74,000 51,22,000 85,32,000

43 0 0 0 21,60,000 26,60,000 0 0 16,000 30,54,000 0 2,56,000 65,96,000 0 0 30,56,000 65,98,000 52,14,000 87,56,000

44 0 0 0 21,60,000 26,60,000 0 0 16,000 31,50,000 0 2,56,000 68,36,000 0 0 31,52,000 68,38,000 53,10,000 89,96,000

45 0 0 0 21,60,000 26,60,000 0 0 16,000 32,50,000 0 2,56,000 70,96,000 0 0 32,52,000 70,98,000 54,10,000 92,56,000

46 0 0 0 21,60,000 26,60,000 0 0 16,000 33,54,000 0 2,56,000 73,74,000 0 0 33,56,000 73,76,000 55,14,000 95,34,000
47 0 0 0 21,60,000 26,60,000 0 0 16,000 34,60,000 0 2,56,000 76,76,000 0 0 34,62,000 76,78,000 56,20,000 98,36,000

48 0 0 0 21,60,000 26,60,000 0 0 16,000 35,70,000 0 2,56,000 80,00,000 0 0 35,72,000 80,02,000 57,30,000 1,01,60,000

49 0 0 0 21,60,000 26,60,000 0 0 16,000 36,84,000 0 2,56,000 83,48,000 0 0 36,86,000 83,52,000 58,44,000 1,05,08,000

50 0 0 0 21,60,000 26,60,000 0 0 16,000 38,02,000 0 2,56,000 87,26,000 0 0 38,04,000 87,28,000 59,62,000 1,08,86,000

51 0 0 0 21,60,000 26,60,000 0 0 16,000 39,24,000 0 2,56,000 91,30,000 0 0 39,26,000 91,32,000 60,84,000 1,12,90,000
52 0 0 0 21,60,000 26,60,000 0 0 16,000 40,50,000 0 2,56,000 95,66,000 0 0 40,54,000 95,70,000 62,10,000 1,17,26,000

53 0 0 0 21,60,000 26,60,000 0 0 16,000 41,82,000 0 2,56,000 1,00,36,000 0 0 41,84,000 1,00,40,000 63,42,000 1,21,96,000

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

54 0 0 0 21,60,000 26,60,000 0 0 16,000 43,16,000 0 2,56,000 1,05,44,000 0 0 43,20,000 1,05,46,000 64,76,000 1,27,04,000
55 0 0 0 21,60,000 26,60,000 0 0 16,000 44,56,000 0 2,56,000 1,10,90,000 0 0 44,60,000 1,10,92,000 66,16,000 1,32,50,000

56 0 0 0 21,60,000 26,60,000 0 0 16,000 46,02,000 0 2,56,000 1,16,78,000 0 0 46,04,000 1,16,82,000 67,62,000 1,38,38,000

57 0 0 0 21,60,000 26,60,000 0 0 16,000 47,50,000 0 2,56,000 1,23,12,000 0 0 47,54,000 1,23,14,000 69,10,000 1,44,72,000

58 0 0 0 21,60,000 26,60,000 0 0 16,000 49,06,000 0 2,56,000 1,29,94,000 0 0 49,10,000 1,29,98,000 70,66,000 1,51,54,000

59 0 0 0 21,60,000 26,60,000 0 0 16,000 50,66,000 0 2,56,000 1,37,30,000 0 0 50,70,000 1,37,34,000 72,26,000 1,58,90,000
60 0 0 0 21,60,000 26,60,000 0 0 16,000 52,30,000 0 2,56,000 1,45,22,000 0 0 52,34,000 1,45,26,000 73,90,000 1,66,82,000

61 0 0 0 21,60,000 26,60,000 0 0 16,000 54,00,000 0 2,56,000 1,53,76,000 0 0 54,06,000 1,53,80,000 75,60,000 1,75,36,000

62 0 0 0 21,60,000 26,60,000 0 0 16,000 55,78,000 0 2,56,000 1,62,94,000 0 0 55,82,000 1,63,00,000 77,38,000 1,84,54,000

63 0 0 0 21,60,000 26,60,000 0 0 16,000 57,60,000 0 2,56,000 1,72,86,000 0 0 57,64,000 1,72,92,000 79,20,000 1,94,46,000

64 0 0 0 21,60,000 26,60,000 0 0 16,000 59,48,000 0 2,56,000 1,83,54,000 0 0 59,54,000 1,83,60,000 81,08,000 2,05,14,000
65 0 0 0 21,60,000 26,60,000 0 0 16,000 61,42,000 0 2,56,000 1,95,04,000 0 0 61,48,000 1,95,10,000 83,02,000 2,16,64,000

66 0 0 0 21,60,000 26,60,000 0 0 16,000 63,42,000 0 2,56,000 2,07,44,000 0 0 63,50,000 2,07,50,000 85,02,000 2,29,04,000

67 0 0 0 21,60,000 26,60,000 0 0 16,000 65,50,000 0 2,56,000 2,20,80,000 0 0 65,56,000 2,20,88,000 87,10,000 2,42,40,000

68 0 0 0 21,60,000 26,60,000 0 0 16,000 67,64,000 0 2,56,000 2,35,20,000 0 0 67,70,000 2,35,28,000 89,24,000 2,56,80,000

69 0 0 0 21,60,000 26,60,000 0 0 16,000 69,84,000 0 2,56,000 2,50,70,000 0 0 69,92,000 2,50,78,000 91,44,000 2,72,30,000

70 0 0 0 21,60,000 26,60,000 0 0 16,000 72,12,000 0 2,56,000 2,67,42,000 0 0 72,20,000 2,67,50,000 93,72,000 2,89,02,000
71 0 0 0 21,60,000 26,60,000 0 0 16,000 74,46,000 0 2,56,000 2,85,42,000 0 0 74,56,000 2,85,52,000 96,06,000 3,07,02,000

72 0 0 0 21,60,000 26,60,000 0 0 16,000 76,88,000 0 2,56,000 3,04,84,000 0 0 76,98,000 3,04,94,000 98,48,000 3,26,44,000

73 0 0 0 21,60,000 26,60,000 0 0 16,000 79,38,000 0 2,56,000 3,25,74,000 0 0 79,48,000 3,25,84,000 1,00,98,000 3,47,34,000

74 0 0 0 21,60,000 26,60,000 0 0 16,000 81,94,000 0 2,56,000 3,48,28,000 0 0 82,06,000 3,48,38,000 1,03,54,000 3,69,88,000

75 0 0 0 21,60,000 26,60,000 0 0 16,000 84,60,000 0 2,56,000 3,72,56,000 0 0 84,72,000 3,72,68,000 1,06,20,000 3,94,16,000
76 0 0 0 21,60,000 26,60,000 0 0 16,000 87,32,000 0 2,56,000 3,98,72,000 0 0 87,44,000 3,98,86,000 1,08,92,000 4,20,32,000

77 0 0 0 21,60,000 26,60,000 0 0 16,000 90,14,000 0 2,56,000 4,26,92,000 0 0 90,26,000 4,27,06,000 1,11,74,000 4,48,52,000

78 0 0 0 0 26,60,000 24,00,000 0 16,000 0 0 2,56,000 0 90,50,000 4,35,34,000 98,08,000 4,81,54,000 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 , have explained the premiums charges and benefits under the product fully to the I Q Kumar,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

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

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