on 21 December 2013

Age is taken as on last birthday

PREMIUM AND BENEFIT DETAILS
ILLUSTRATION OF FUTURE BENEFITS
This illustration has been produced by HDFC Standard Life Insurance Company Limited to help you understand the benefits of your HDFC SL YoungStar Super Premium (Spl). These
illustrations must be read in conjunction with the sales literature, which describes the features of this product.
The values shown are for illustration only. What you actually receive will depend on what happens over the future lifetime of your policy.
The assumed rate of investment return is particularly important. The Illustration shows what you could get back using two assumed rates of investment return. These rates have been
specified by the Life Insurance Council and every insurance company must use these same rates for all products from 01/04/2004.
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy offers guaranteed returns then
these will be clearly marked "guaranteed" in the illustration table on this page.
If your policy offers variable returns then the illustrations on this page will show two different rates of assumed investment returns. These assumed rates of return are not guaranteed and
they are not 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.
Future benefits depend not only on the assumed investment returns. Other important factors that will affect the value of your policy include the company's charges, including the charge
for providing risk benefits, such as life cover and the effects of taxation.
Guaranteed benefits are available provided all premiums are paid, when they are due. The illustrative benefits below assume that all premiums that are due have been paid.
All amounts are in Indian Rupees.
Illustrative Benefits on Maturity
On the survival of the Life Assured until the Maturity date, the illustrative Maturity benefits are as shown below.
Upon this payment, the policy terminates and no further benefit becomes payable.
Illustrative Benefits on Death
Ver: 30(17)d-30.17-30 21-Dec-2013 - 12:43:08 Page 1
This is the official illustration issued by HDFC Standard Life Insurance Company Limited. Illustration of any other type is not supported by the company.
Illustration for HDFC SL YoungStar Super Premium (Spl)
PERSONAL DETAILS
Name Age Gender
Life 1 deepak mittal 30 M
POLICY DETAILS
Date of Policy Commencement: 21-Dec-2013
Policy Term: 10 year(s)
Premium Paying Term: 10 year(s)
Premium Frequency: Annual
Benefit Option: Benefit
Benefit Name
Sum Assured
(in Rs.)
Benefit Term (years)
Premium Paying
Term (years)
Premium
(in Rs.)
YoungStar Super Premium (Spl) 1,000,000 10 10 100,000
Total Premium payable per Frequency: 100,000
Next premium Due Date 21-Dec-2014
This is a unit linked policy. Service Tax & Education Cess is applicable on the amount of any charge that we levy on your policy and units will be deducted in respect of this tax. The
values shown in the illustration allow for all such deductions.
Guaranteed Benefit Non-Guaranteed Benefit Total Maturity Benefit
Assumed Investment Return Assumed Investment Return
Date of Maturity YoungStar Super Premium (Spl) 6% p.a. 10% p.a. 6% p.a. 10% p.a.
21-Dec-2023 35,000 1,139,496 1,423,781 1,174,496 1,458,781
Upon this payment, the policy will continue in force till the Maturity Date.All premiums becoming payable between the Date of Death and the Maturity Date will be paid by HDFC
Standard Life, and the Maturity benefit will be payable at the Maturity Date.
ILLUSTRATION OF CHARGES
The charges under your HDFC SL YoungStar Super Premium (Spl) policy are deducted to provide for the cost of benefits and the administration provided by us.
Effect of Charges
It is important that you do not judge a unit linked plan solely on the basis of any of the charges taken independently. Charges interact with each other. So, to understand what effect the
charges will have in your policy, you need to look up the Reduction in Yield, which is defined as the net reduction in return per annum due to charges if we express all charges as a
fund based charge. The rates provided below are Effective Annual Rates allowing for the timing of when they are deducted.
Ver: 30(17)d-30.17-30 21-Dec-2013 - 12:43:08 Page 2
Projected Statement of Premiums, Charges and Fund Value based on Assumed Investment Return of 10% p.a.
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15) (16) (17)
Policy
Year
Annualised
Premium
Top-up
Premium
Allocation
Charge
Amount
available for
Investment
Risk
Charge
Policy
Administration
Charge
FMC
Invest-
ment
Guarantee
charge
Taxes as
appli-
cable*
Total
Charges
Fund
Value
(end of
year)
Addition
to Fund
Surrender
Benefit
(end of
year)
Guaranteed
Death
Benefit
Total
Death
Benefit
Commi-
ssion
1 100,000 0 4,000 96,000 3,237 3,000 1,295 0 1,425 12,957 96,155 0 89,672 1,000,000 1,000,000 0
2 100,000 0 4,000 96,000 3,162 3,120 2,652 0 1,599 14,533 200,279 0 195,784 1,000,000 1,000,000 0
3 100,000 0 4,000 96,000 3,077 3,240 4,121 0 1,785 16,223 313,050 0 309,679 1,000,000 1,000,000 0
4 100,000 0 4,000 96,000 3,001 3,360 5,712 0 1,987 18,060 435,180 0 432,933 1,000,000 1,000,000 0
5 100,000 0 4,000 96,000 2,929 3,480 7,435 0 2,205 20,049 567,443 0 567,443 1,000,000 1,000,000 0
6 100,000 0 4,000 96,000 2,840 3,600 9,302 0 2,440 22,182 710,706 0 710,706 1,000,000 1,000,000 0
7 100,000 0 4,000 96,000 2,750 3,840 11,322 0 2,708 24,620 865,746 0 865,746 1,000,000 1,000,000 0
8 100,000 0 1,000 99,000 2,653 4,080 13,556 0 2,631 23,920 1,037,207 0 1,037,207 1,000,000 1,000,000 0
9 100,000 0 1,000 99,000 2,546 4,320 15,975 0 2,947 26,788 1,222,819 0 1,222,819 1,000,000 1,000,000 0
10 100,000 0 1,000 99,000 2,421 4,560 18,594 0 3,285 29,860 1,423,781 0 N.A. N.A. N.A. 0
* General Sales Tax (GST) in case of Jammu and Kashmir and Service Tax (including Education Cess) in all other cases.
Projected Statement of Premiums, Charges and Fund Value based on Assumed Investment Return of 6% p.a.
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15) (16) (17)
Policy
Year
Annualised
Premium
Top-up
Premium
Allocation
Charge
Amount
available for
Investment
Risk
Charge
Policy
Administration
Charge
FMC
Invest-
ment
Guarantee
charge
Taxes as
appli-
cable*
Total
Charges
Fund
Value
(end of
year)
Addition
to Fund
Surrender
Benefit
(end of
year)
Guaranteed
Death
Benefit
Total
Death
Benefit
Commi-
ssion
1 100,000 0 4,000 96,000 3,237 3,000 1,269 0 1,422 12,928 92,538 0 86,300 1,000,000 1,000,000 0
2 100,000 0 4,000 96,000 3,162 3,120 2,548 0 1,586 14,416 189,100 0 184,606 1,000,000 1,000,000 0
3 100,000 0 4,000 96,000 3,077 3,240 3,883 0 1,755 15,955 289,874 0 286,503 1,000,000 1,000,000 0
4 100,000 0 4,000 96,000 3,001 3,360 5,277 0 1,933 17,571 395,036 0 392,789 1,000,000 1,000,000 0
5 100,000 0 4,000 96,000 2,929 3,480 6,731 0 2,118 19,258 504,775 0 504,775 1,000,000 1,000,000 0
6 100,000 0 4,000 96,000 2,840 3,600 8,248 0 2,310 20,998 619,310 0 619,310 1,000,000 1,000,000 0
7 100,000 0 4,000 96,000 2,750 3,840 9,831 0 2,524 22,945 738,718 0 738,718 1,000,000 1,000,000 0
8 100,000 0 1,000 99,000 2,653 4,080 11,528 0 2,381 21,642 866,738 0 866,738 1,000,000 1,000,000 0
9 100,000 0 1,000 99,000 2,546 4,320 13,297 0 2,616 23,779 1,000,244 0 1,000,244 1,000,000 1,000,000 0
10 100,000 0 1,000 99,000 2,421 4,560 15,142 0 2,858 25,981 1,139,496 0 N.A. N.A. N.A. 0
* General Sales Tax (GST) in case of Jammu and Kashmir and Service Tax (including Education Cess) in all other cases.

Description Scenario 1 Scenario 2
A Assumed Gross Yield 10.00% 6.00%
B1 Premium Allocation Charge 0.59% 0.59%
B2 Policy Administration Charge 0.64% 0.66%
B3 Fund Management Charge 1.48% 1.42%
B Reduction in Yield due to Expenses [B1 + B2 + B3] 2.71% 2.67%
C Additional Benefit from Loyalty Reward 0.41% 0.51%
D Reduction in Yield due to Cost of Risk Benefit 0.53% 0.54%
E Reduction in Yield due to Guarantee charge 0.00% 0.00%
F Reduction in Yield [B - C + D + E] 2.83% 2.70%
G Net Yield [A - F] 7.17% 3.30%
H Reduction in Yield due to Taxes as applicable 0.41% 0.40%
I Return on Investment [ G - H ] 6.76% 2.90%
The difference between the gross and net yield defined as per IRDA Circular No. 20/IRDA/ActI/ULIP/09-10 is 2.30%
This complies with the maximum charge cap under the circular.
Description of Charges
This illustration is based on the following charges:
Premium Allocation Charge
This is a premium-based charge (which may vary by product, policy year, premium size, premium frequency and premium payment method). After deducting this charge from your
premiums, the remainder is invested to buy units. Please read Sales Literature for more details.
Fund Management Charge (FMC)
This is a charge levied as a percentage of the value of assets and deducted at the time of computation of daily unit prices. In the long term, the key to building great maturity values is
a low FMC.The Fund Management Charge is the same across all the fund options.
Policy Administration Charge
This charge is levied to cover regular administration costs. This charge may vary by product & premium size. Please read Sales Literature for more details.
Risk Charge
This is a charge levied monthly to cover the cost of providing you with the Death Benefit, Extra Health Benefit, Extra Life Benefit, Extra Disability Benefit and any other Morbidity
Benefits, if applicable, on your policy. The amount of the charge taken each month is based on the benefits insured and your age.
Service Tax & Education Cess
The Government of India levies a Service Tax & Education Cess on the amount of any charges deducted from your policy. We collect this tax along with the charges. The tax rates and
its applicability will be as notified by the Government from time to time.
TERMS AND CONDITIONS
The Sum Assured stated above is based on the information provided and may vary as a result of underwriting.
For details of the above benefits, please read the sales literature provided.
Since some of the benefits are subject to maximum limits, please contact your financial consultant for more details.
Any statutory levy or charges (such as Service Tax & Education Cess) 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.
Insurance is a subject matter of solicitation.
UIN for HDFC SL YoungStar Super Premium (Spl) - 101L068V01
The benefits illustrated assume that all premiums that are due over the premium paying term will be paid and no withdrawals will be made during the policy term. In case premiums are
not paid for the premium paying term at the original level or withdrawals are made during the policy term, the illustrative benefits will be lower.
This contract is designed for long term savings and is not designed for short term investment. Should you need to surrender your policy in the short term, any surrender benefits may
be less than the premium(s) you have paid.
There is no guaranteed amount of Rupees on surrender. We guarantee to pay the bid value of units in your unit linked fund, less any charges applicable on surrender.
A policy may be surrendered at any time in the first five years of the policy but the amount payable on surrender will be paid out only on the 5th policy anniversary, subject to
prevailing regulations.
In case you do not pay premiums for the full premium paying term, your policy will be discontinued. Please read the sales literature for more details.
There is no commission payable as the illustration has been generated on the basis that this proposal would be sourced through Direct Sales.
Distributors may also receive payments from the Company towards marketing activities.
The values shown are for illustration only.
What you actually receive will depend on what happens over the future lifetime of the policy.
The benefits illustrated assume that any benefit payment is made exactly on a policy anniversary without allowance for any premium that may be due on that anniversary. The
illustrated values may not be constant over the policy year.
If you would like help to understand this illustration, please speak to your Financial Consultant.
"Premium Allocation Charge Rates", "Death Benefit Charge Rates" and "Extra Life Benefit Charge Rates" , if applicable , are guaranteed for the lifetime of the policy. All other charges
may be altered during the lifetime of the policy with prior approval from the regulator.
In this policy, the investment risk in the investment portfolio is borne by you. The investment returns used in the projected statements are for illustration only. As can be observed by
comparing the two projected statements at two different investment return assumptions, most of the values shown in the projected statements vary with the investment return
assumption and are for illustration only. The actual values will depend crucially on the actual investment returns earned.
The charges described above are those that are expected to be levied on your policy in normal circumstances. In addition to these, certain other charges may also be applicable to
your policy under exceptional circumstances. Please refer to the sales literature for details of these charges and the circumstances in which they apply.
I, ......................................................................................., having received the information with respect to the above, have understood the above statement before entering into
the contract.
Ver: 30(17)d-30.17-30 21-Dec-2013 - 12:43:08 Page 3
Financial Consultant's Signature: Customer's Signature:
Financial Consultant's Name: Date:
Financial Consultant's Code : Place:
Business Development Manager's Name:
Channel Name : Direct - Online