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on 25 January 2014

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 Life Sanchay(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 usually particularly important as benefits may differ depending on the investment return. However, in this product, the Death Benefit and the
Maturity Benefit do not vary with changing investment returns. 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.
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.
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
On the death of the Life Assured before the Maturity date the illustrative benefits are as shown below.
Upon this payment, the policy terminates and no further benefit is payable.
The benefits shown above are at the end of the year.
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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 Life Sanchay(Spl) (UIN : 101N097V01)
PERSONAL DETAILS
Name Age Gender
Life 1 ankur mittal 26 M
POLICY DETAILS
Date of Policy Commencement: 25-Jan-2014
Policy Term: 21 year(s)
Premium Paying Term: 10 year(s)
Premium Frequency: Annual
Benefit Name
Sum Assured
(in Rs.)
Benefit Term (years)
Premium Paying
Term (years)
Premium
(in Rs.)
Taxes as
applicable*#
(in Rs.)
Total Premium
Main Benefit 1,824,920 21 10 240,000 7,416 247,416
Total Premium payable per Frequency: 240,000 7,416 247,416
Next premium Due Date 25-Jan-2015
* General Sales Tax (GST) in case of Jammu and Kashmir and Service Tax (including Education Cess) in all other cases.
#The Service Tax & Education Cess on the Main Benefit premium for year two and subsequent years will be Rs.3720/-.
Guaranteed Benefit Non-Guaranteed Benefit Total Maturity Benefit
Assumed Investment Return Assumed Investment Return
Date of Maturity Sanchay (Spl) 4% p.a. 8% p.a. 4% p.a. 8% p.a.
25-Jan-2035 5,274,042 0 0 5,274,042 5,274,042
Guaranteed Benefits Non-Guaranteed Benefit Total Death Benefit
Benefit on Valid Claim Assumed Investment Return Assumed Investment Return Assumed Investment Return
Policy Year 4% p.a. 8% p.a. 4% p.a. 8% p.a. 4% p.a. 8% p.a.
1 2,564,243 2,564,243 0 0 2,564,243 2,564,243
2 2,728,486 2,728,486 0 0 2,728,486 2,728,486
3 2,892,730 2,892,730 0 0 2,892,730 2,892,730
4 3,056,974 3,056,974 0 0 3,056,974 3,056,974
5 3,221,218 3,221,218 0 0 3,221,218 3,221,218
6 3,385,462 3,385,462 0 0 3,385,462 3,385,462
7 3,549,706 3,549,706 0 0 3,549,706 3,549,706
8 3,713,950 3,713,950 0 0 3,713,950 3,713,950
9 3,878,194 3,878,194 0 0 3,878,194 3,878,194
10 4,162,438 4,162,438 0 0 4,162,438 4,162,438
11 4,326,682 4,326,682 0 0 4,326,682 4,326,682
12 4,490,926 4,490,926 0 0 4,490,926 4,490,926
13 4,655,170 4,655,170 0 0 4,655,170 4,655,170
14 4,819,414 4,819,414 0 0 4,819,414 4,819,414
15 4,983,658 4,983,658 0 0 4,983,658 4,983,658
16 5,147,902 5,147,902 0 0 5,147,902 5,147,902
17 5,312,146 5,312,146 0 0 5,312,146 5,312,146
18 5,476,390 5,476,390 0 0 5,476,390 5,476,390
19 5,640,634 5,640,634 0 0 5,640,634 5,640,634
20 5,804,878 5,804,878 0 0 5,804,878 5,804,878
Illustrative Benefits on Surrender
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.
A policy may be surrendered after it acquires a guaranteed surrender value. Hence, Surrender Values are shown from year 3 onwards.
Upon this payment, the policy terminates and no further benefit becomes payable.
The values shown are for illustration only.
What you actually receive will depend on what happens over the future lifetime of the policy.
Depending on the prevailing market conditions, the surrender value may be revised.
Benefits shown above are at the end of the year.
If you would like help to understand this illustration, please speak to your Financial Consultant / Relationship Manager.
TERMS AND CONDITIONS
1. The Premium and the Sum Assured stated above is based on the information provided. They may vary as a result of underwriting.
2. For details of the above benefits, please read the sales literature provided.
3. 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.
4. UIN for HDFC Life Sanchay(Spl) - 101N097V01
Guaranteed Benefit Non-Guaranteed Benefit Total Surrender Benefit
Assumed Investment Return Assumed Investment Return
Policy Year Guaranteed Surrender Value 4% p.a. 8% p.a. 4% p.a. 8% p.a.
3 227,924 107,504 107,504 335,428 335,428
4 498,330 0 0 498,330 498,330
5 626,361 37,902 37,902 664,263 664,263
6 756,364 112,267 112,267 868,631 868,631
7 888,748 215,842 215,842 1,104,590 1,104,590
8 1,083,641 292,667 292,667 1,376,308 1,376,308
9 1,296,847 390,575 390,575 1,687,422 1,687,422
10 1,526,737 516,945 516,945 2,043,682 2,043,682
11 1,629,256 598,490 598,490 2,227,746 2,227,746
12 1,737,720 690,438 690,438 2,428,158 2,428,158
13 1,853,460 793,570 793,570 2,647,030 2,647,030
14 1,975,374 909,514 909,514 2,884,888 2,884,888
15 2,109,936 1,034,961 1,034,961 3,144,897 3,144,897
16 2,256,883 1,170,702 1,170,702 3,427,585 3,427,585
17 2,418,053 1,318,062 1,318,062 3,736,115 3,736,115
18 2,594,496 1,478,101 1,478,101 4,072,597 4,072,597
19 2,793,360 1,645,782 1,645,782 4,439,142 4,439,142
20 3,017,025 1,821,360 1,821,360 4,838,385 4,838,385
Financial Consultant's Signature: Customer's Signature:
Financial Consultant's Name: Date:
Financial Consultant's Code : Place:
Business Development Manager's Name: