22-09-2024

Quote No : cdrf93cfsdz

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: CUST Name of Product: HDFC Life Sampoorn Nivesh
A Unit Linked Non Participating Life
Age: 42 Tag Line:
Insurance Plan
Name of Life Assured: CUST Unique Identification No: 101L103V03
Age: 42 GST Rate: 18%*
Investment Strategy
Sum Assured: Rs.9000000 100% Equity oriented
opted for:
Policy Term & Premium Payment Term: 20year(s) & 10year(s)
Plan option: Life
Death benefit option: Classic Waiver
Amount of Instalment Premium: Rs.600000
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 0

Balanced Fund Medium ULIF03901/09/10BalancedFd101 0

Flexi Cap Fund Very High ULIF07114/07/23FlexiCapFd101 100
Bond Fund Low ULIF05601/08/13Bond Funds101 0
Discovery Fund High ULIF06618/01/18DiscvryFnd101 0

Equity Advantage Fund High ULIF06723/03/18EqtyAdvtFd101 0

Nifty Alpha 30 Fund High ULIF07528/05/24AlphaIdxFd101 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 6,00,000 0 0 0 0 0 600000
Instalment Premium with First Year GST 6,00,000 0 0 0 0 0 600000
Instalment Premium with GST 2nd Year Onwards 6,00,000 0 0 0 0 0 600000

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 6,00,000 35,842 37,414 13,186 5,35,073 5,27,993 90,00,000 35,842 37,570 13,214 5,56,413 5,49,333 90,00,000 18,000

2 6,00,000 38,402 44,713 14,961 10,79,695 10,73,795 90,00,000 38,402 45,319 15,070 11,44,719 11,38,819 90,00,000 3,000
3 6,00,000 41,242 52,140 16,809 16,33,756 16,29,036 90,00,000 41,242 53,510 17,055 17,66,583 17,61,863 90,00,000 3,000

4 6,00,000 44,357 59,693 18,729 21,97,150 21,94,790 90,00,000 44,357 62,168 19,174 24,23,781 24,21,421 90,00,000 3,000

5 6,00,000 47,721 67,373 20,717 27,69,797 27,69,797 90,00,000 47,721 71,317 21,427 31,18,231 31,18,231 90,00,000 3,000
6 6,00,000 51,276 69,318 21,707 33,59,013 33,59,013 90,00,000 51,276 75,130 22,753 38,59,780 38,59,780 90,00,000 30,000

7 6,00,000 54,891 77,348 23,803 39,57,792 39,57,792 90,00,000 54,891 85,455 25,262 46,43,583 46,43,583 90,00,000 3,000

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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)

8 6,00,000 58,394 85,510 25,903 45,66,493 45,66,493 90,00,000 58,394 96,371 27,858 54,72,437 54,72,437 90,00,000 3,000

9 6,00,000 61,564 93,811 27,967 51,85,747 51,85,747 90,00,000 61,564 1,07,919 30,507 63,49,582 63,49,582 90,00,000 3,000
10 6,00,000 64,151 1,02,261 29,954 58,16,500 58,16,500 90,00,000 64,151 1,20,147 33,174 72,78,769 72,78,769 90,00,000 3,000

11 0 70,791 84,915 28,027 59,31,874 58,61,783 90,00,000 70,791 1,06,982 31,999 77,32,838 76,43,147 90,00,000 0

12 0 77,718 86,433 29,547 59,71,599 59,71,599 90,00,000 77,718 1,13,263 34,376 81,17,342 81,17,342 90,00,000 0
13 0 84,890 86,914 30,925 60,75,555 60,03,688 90,00,000 84,890 1,18,570 36,623 86,17,277 85,17,294 90,00,000 0

14 0 92,290 88,272 32,501 61,01,251 61,01,251 90,00,000 92,290 1,25,487 39,200 90,39,663 90,39,663 90,00,000 0

15 0 99,948 88,557 33,931 61,91,728 61,18,402 90,00,000 99,948 1,31,318 41,628 95,90,595 94,79,288 90,00,000 0
16 0 1,07,933 89,725 35,578 62,01,468 62,01,468 90,00,000 1,07,933 1,38,943 44,438 1,00,55,150 1,00,55,150 90,00,000 0

17 0 1,16,339 89,785 37,102 62,75,808 62,01,391 90,00,000 1,16,339 1,45,357 47,105 1,06,62,459 1,05,38,684 90,00,000 0
18 0 1,25,295 90,724 38,883 62,66,781 62,66,781 90,00,000 1,25,295 1,53,760 50,230 1,11,73,286 1,11,73,286 90,00,000 0

19 0 1,34,942 90,516 40,583 63,21,079 62,46,012 90,00,000 1,34,942 1,60,809 53,235 1,18,41,992 1,17,04,492 90,00,000 0

20 0 1,45,437 91,168 42,589 62,89,048 62,89,048 90,00,000 1,45,437 1,70,056 56,789 1,24,02,476 1,24,02,476 90,00,000 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 CUST ,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 6.59% 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 6,00,000 30,000 5,70,000 35,842 13,214 0 0 0 0 5,57,152 7,570 5,56,413 5,49,333 90,00,000

2 6,00,000 30,000 5,70,000 38,402 15,070 0 0 0 0 11,46,240 15,319 11,44,719 11,38,819 90,00,000

3 6,00,000 30,000 5,70,000 41,242 17,055 0 0 0 0 17,68,930 23,510 17,66,583 17,61,863 90,00,000

4 6,00,000 30,000 5,70,000 44,357 19,174 0 0 0 0 24,27,001 32,168 24,23,781 24,21,421 90,00,000

5 6,00,000 30,000 5,70,000 47,721 21,427 0 0 0 0 31,22,374 41,317 31,18,231 31,18,231 90,00,000

6 6,00,000 18,000 5,82,000 51,276 22,753 6,000 0 0 0 38,64,907 51,130 38,59,780 38,59,780 90,00,000
7 6,00,000 18,000 5,82,000 54,891 25,262 6,000 0 0 0 46,49,752 61,455 46,43,583 46,43,583 90,00,000

8 6,00,000 18,000 5,82,000 58,394 27,858 6,000 0 0 0 54,79,707 72,371 54,72,437 54,72,437 90,00,000

9 6,00,000 18,000 5,82,000 61,564 30,507 6,000 0 0 0 63,58,018 83,919 63,49,582 63,49,582 90,00,000

10 6,00,000 18,000 5,82,000 64,151 33,174 6,000 0 0 0 72,88,439 96,147 72,78,769 72,78,769 90,00,000

11 0 0 0 70,791 31,999 6,000 0 0 89,692 76,53,301 1,00,982 77,32,838 76,43,147 90,00,000

12 0 0 0 77,718 34,376 6,000 0 0 0 81,28,126 1,07,263 81,17,342 81,17,342 90,00,000

13 0 0 0 84,890 36,623 6,000 0 0 99,984 85,28,609 1,12,570 86,17,277 85,17,294 90,00,000

14 0 0 0 92,290 39,200 6,000 0 0 0 90,51,673 1,19,487 90,39,663 90,39,663 90,00,000

15 0 0 0 99,948 41,628 6,000 0 0 1,11,307 94,91,882 1,25,318 95,90,595 94,79,288 90,00,000

16 0 0 0 1,07,933 44,438 6,000 0 0 0 1,00,68,508 1,32,943 1,00,55,150 1,00,55,150 90,00,000

17 0 0 0 1,16,339 47,105 6,000 0 0 1,23,775 1,05,52,685 1,39,357 1,06,62,459 1,05,38,684 90,00,000

18 0 0 0 1,25,295 50,230 6,000 0 0 0 1,11,88,130 1,47,760 1,11,73,286 1,11,73,286 90,00,000

19 0 0 0 1,34,942 53,235 6,000 0 0 1,37,500 1,17,20,041 1,54,809 1,18,41,992 1,17,04,492 90,00,000

20 0 0 0 1,45,437 56,789 6,000 0 0 0 1,24,18,953 1,64,056 1,24,02,476 1,24,02,476 90,00,000

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 6,00,000 30,000 5,70,000 35,842 13,186 0 0 0 0 5,35,784 7,414 5,35,073 5,27,993 90,00,000

2 6,00,000 30,000 5,70,000 38,402 14,961 0 0 0 0 10,81,130 14,713 10,79,695 10,73,795 90,00,000

3 6,00,000 30,000 5,70,000 41,242 16,809 0 0 0 0 16,35,927 22,140 16,33,756 16,29,036 90,00,000
4 6,00,000 30,000 5,70,000 44,357 18,729 0 0 0 0 22,00,069 29,693 21,97,150 21,94,790 90,00,000

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 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)

5 6,00,000 30,000 5,70,000 47,721 20,717 0 0 0 0 27,73,477 37,373 27,69,797 27,69,797 90,00,000

6 6,00,000 18,000 5,82,000 51,276 21,707 6,000 0 0 0 33,63,475 45,318 33,59,013 33,59,013 90,00,000
7 6,00,000 18,000 5,82,000 54,891 23,803 6,000 0 0 0 39,63,050 53,348 39,57,792 39,57,792 90,00,000

8 6,00,000 18,000 5,82,000 58,394 25,903 6,000 0 0 0 45,72,560 61,510 45,66,493 45,66,493 90,00,000

9 6,00,000 18,000 5,82,000 61,564 27,967 6,000 0 0 0 51,92,637 69,811 51,85,747 51,85,747 90,00,000

10 6,00,000 18,000 5,82,000 64,151 29,954 6,000 0 0 0 58,24,228 78,261 58,16,500 58,16,500 90,00,000

11 0 0 0 70,791 28,027 6,000 0 0 70,091 58,69,571 78,915 59,31,874 58,61,783 90,00,000

12 0 0 0 77,718 29,547 6,000 0 0 0 59,79,532 80,433 59,71,599 59,71,599 90,00,000

13 0 0 0 84,890 30,925 6,000 0 0 71,867 60,11,664 80,914 60,75,555 60,03,688 90,00,000

14 0 0 0 92,290 32,501 6,000 0 0 0 61,09,357 82,272 61,01,251 61,01,251 90,00,000

15 0 0 0 99,948 33,931 6,000 0 0 73,326 61,26,530 82,557 61,91,728 61,18,402 90,00,000

16 0 0 0 1,07,933 35,578 6,000 0 0 0 62,09,707 83,725 62,01,468 62,01,468 90,00,000

17 0 0 0 1,16,339 37,102 6,000 0 0 74,417 62,09,630 83,785 62,75,808 62,01,391 90,00,000

18 0 0 0 1,25,295 38,883 6,000 0 0 0 62,75,106 84,724 62,66,781 62,66,781 90,00,000

19 0 0 0 1,34,942 40,583 6,000 0 0 75,067 62,54,310 84,516 63,21,079 62,46,012 90,00,000

20 0 0 0 1,45,437 42,589 6,000 0 0 0 62,97,404 85,168 62,89,048 62,89,048 90,00,000

*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 CUST ,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".

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