13-02-2023

Quote No : qbjk4vrjfrfu1

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: CUSTOMER Name of the Product: HDFC Life Sanchay Par Advantage
Age: 26 A Non-Linked, Participating,
Tag Line:
Life Insurance Plan
Name of the Life Assured: CUSTOMER
Unique Identification No: 101N136V03
Age: 26
GST Rate: 4.5%* for first year
Policy Term 74 year(s)
2.25%* second year onwards
Premium Payment Term: 10 year(s)
Amount of Installment Premium(Without GST): 250000
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. 25,00,000
Sum Assured on Death (at inception of
Bonus Type Cash Bonus 32,25,000
the policy) Rs.

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

Instalment Premium without GST 250000 0 0 0 0 0 250000

Instalment Premium with First Year GST 261250 0 0 0 0 0 261250

Instalment Premium with GST 2nd Year Onwards 255625 0 0 0 0 0 255625

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

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

1 2,50,000 0 0 0 32,25,000 0 0 0 0 0 0 0 0 0 32,25,000 32,25,000 0 0

2 2,50,000 0 0 1,50,000 32,25,000 0 0 0 25,000 0 0 25,000 0 0 32,25,000 32,25,000 1,75,000 1,75,000
3 2,50,000 0 0 2,62,500 32,25,000 0 0 0 37,500 0 0 37,500 0 0 32,25,000 32,25,000 3,00,000 3,00,000

4 2,50,000 0 0 5,00,000 32,25,000 0 0 0 1,00,000 0 0 1,00,000 0 0 32,25,000 32,25,000 6,00,000 6,00,000

5 2,50,000 0 0 6,25,000 32,25,000 0 0 0 1,25,000 0 0 1,25,000 0 0 32,25,000 32,25,000 7,50,000 7,50,000

6 2,50,000 0 0 7,50,000 32,25,000 0 0 0 1,50,000 0 0 2,35,000 0 0 32,25,000 32,25,000 9,00,000 9,85,000

7 2,50,000 0 0 8,75,000 32,25,000 0 0 0 3,12,500 0 0 4,97,500 0 0 32,25,000 32,25,000 11,87,500 13,72,500
8 2,50,000 0 0 13,00,000 32,25,000 0 0 0 2,60,000 0 0 5,42,500 0 0 32,25,000 32,25,000 15,60,000 18,42,500
9 2,50,000 0 0 15,75,000 32,25,000 0 0 0 4,15,000 0 0 8,27,500 0 0 32,25,000 32,25,000 19,90,000 24,02,500

10 2,50,000 0 0 18,75,000 32,25,000 0 0 0 6,07,500 0 0 11,87,500 0 0 32,25,000 32,25,000 24,82,500 30,62,500

11 0 0 0 20,00,000 32,25,000 0 0 0 5,77,500 0 0 13,02,500 0 0 32,25,000 33,02,500 25,77,500 33,02,500
12 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 4,35,000 0 1,51,500 13,37,500 0 0 32,25,000 33,35,000 26,85,000 35,87,500
13 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 5,45,000 0 1,51,500 16,05,000 0 0 32,25,000 33,52,500 27,95,000 38,55,000
14 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 6,52,500 0 1,51,500 18,77,500 0 0 32,25,000 33,70,000 29,02,500 41,27,500

15 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 7,60,000 0 1,51,500 21,50,000 0 0 32,25,000 33,90,000 30,10,000 44,00,000
16 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 10,10,000 0 1,51,500 26,12,500 0 0 32,25,000 36,00,000 32,60,000 48,62,500
17 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 11,17,500 0 1,51,500 28,90,000 0 0 32,25,000 36,25,000 33,67,500 51,40,000
18 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 12,25,000 0 1,51,500 31,70,000 0 0 32,25,000 36,52,500 34,75,000 54,20,000

19 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 13,30,000 0 1,51,500 34,50,000 0 0 32,25,000 36,80,000 35,80,000 57,00,000
20 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 14,37,500 0 1,51,500 37,10,000 0 0 32,25,000 37,10,000 36,87,500 59,60,000
21 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 15,42,500 0 1,51,500 37,42,500 0 0 32,25,000 37,42,500 37,92,500 59,92,500
22 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 16,50,000 0 1,51,500 37,77,500 0 0 32,25,000 37,77,500 39,00,000 60,27,500
23 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 17,55,000 0 1,51,500 38,15,000 0 0 32,25,000 38,17,500 40,05,000 60,65,000

24 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 18,60,000 0 1,51,500 38,57,500 0 0 32,25,000 38,57,500 41,10,000 61,07,500
25 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 19,62,500 0 1,51,500 39,00,000 0 0 32,25,000 39,00,000 42,12,500 61,50,000
26 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 20,67,500 0 1,51,500 39,47,500 0 0 32,25,000 39,47,500 43,17,500 61,97,500
27 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 21,70,000 0 1,51,500 39,97,500 0 0 32,25,000 40,00,000 44,20,000 62,47,500
28 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 22,72,500 0 1,51,500 40,52,500 0 0 32,25,000 40,55,000 45,22,500 63,02,500

29 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 23,75,000 0 1,51,500 41,12,500 0 0 32,25,000 41,12,500 46,25,000 63,62,500
30 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 24,75,000 0 1,51,500 41,75,000 0 0 32,25,000 41,75,000 47,25,000 64,25,000
31 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 25,75,000 0 1,51,500 42,42,500 0 0 32,25,000 42,42,500 48,25,000 64,92,500
32 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 25,90,000 0 1,51,500 43,15,000 0 0 32,25,000 43,17,500 48,40,000 65,65,000
33 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 25,77,500 0 1,51,500 43,95,000 0 0 32,25,000 43,95,000 48,27,500 66,45,000

34 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 25,62,500 0 1,51,500 44,80,000 0 0 32,25,000 44,80,000 48,12,500 67,30,000
35 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 25,50,000 0 1,51,500 45,70,000 0 0 32,25,000 45,72,500 48,00,000 68,20,000
36 0 0 1,01,000 22,50,000 32,25,000 0 0 10,250 25,32,500 0 1,51,500 46,67,500 0 0 32,25,000 46,70,000 47,82,500 69,17,500
37 0 0 0 22,50,000 32,25,000 0 0 17,500 26,05,000 0 2,52,500 47,75,000 0 0 32,25,000 47,75,000 48,55,000 70,25,000
38 0 0 0 22,50,000 32,25,000 0 0 17,500 26,80,000 0 2,52,500 48,75,000 0 0 32,25,000 48,77,500 49,30,000 71,25,000

39 0 0 0 22,50,000 32,25,000 0 0 17,500 27,57,500 0 2,52,500 49,85,000 0 0 32,25,000 49,87,500 50,07,500 72,35,000
40 0 0 0 22,50,000 32,25,000 0 0 17,500 28,37,500 0 2,52,500 51,02,500 0 0 32,25,000 51,05,000 50,87,500 73,52,500
41 0 0 0 22,50,000 32,25,000 0 0 17,500 29,20,000 0 2,52,500 52,30,000 0 0 32,25,000 52,32,500 51,70,000 74,80,000
42 0 0 0 22,50,000 32,25,000 0 0 17,500 30,10,000 0 2,52,500 53,67,500 0 0 32,25,000 53,70,000 52,60,000 76,17,500

43 0 0 0 22,50,000 32,25,000 0 0 17,500 31,00,000 0 2,52,500 55,15,000 0 0 32,25,000 55,15,000 53,50,000 77,65,000
44 0 0 0 22,50,000 32,25,000 0 0 17,500 31,95,000 0 2,52,500 56,72,500 0 0 32,25,000 56,75,000 54,45,000 79,22,500
45 0 0 0 22,50,000 32,25,000 0 0 17,500 32,92,500 0 2,52,500 58,42,500 0 0 32,95,000 58,45,000 55,42,500 80,92,500
46 0 0 0 22,50,000 32,25,000 0 0 17,500 33,95,000 0 2,52,500 60,25,000 0 0 33,97,500 60,27,500 56,45,000 82,75,000
47 0 0 0 22,50,000 32,25,000 0 0 17,500 35,00,000 0 2,52,500 62,22,500 0 0 35,02,500 62,25,000 57,50,000 84,72,500

48 0 0 0 22,50,000 32,25,000 0 0 17,500 36,10,000 0 2,52,500 64,35,000 0 0 36,12,500 64,37,500 58,60,000 86,85,000
49 0 0 0 22,50,000 32,25,000 0 0 17,500 37,22,500 0 2,52,500 66,62,500 0 0 37,25,000 66,67,500 59,72,500 89,12,500
50 0 0 0 22,50,000 32,25,000 0 0 17,500 38,37,500 0 2,52,500 69,10,000 0 0 38,40,000 69,12,500 60,87,500 91,60,000
51 0 0 0 22,50,000 32,25,000 0 0 17,500 39,57,500 0 2,52,500 71,72,500 0 0 39,60,000 71,77,500 62,07,500 94,22,500
52 0 0 0 22,50,000 32,25,000 0 0 17,500 40,82,500 0 2,52,500 74,57,500 0 0 40,85,000 74,62,500 63,32,500 97,07,500

53 0 0 0 22,50,000 32,25,000 0 0 17,500 42,10,000 0 2,52,500 77,65,000 0 0 42,12,500 77,67,500 64,60,000 1,00,15,000
54 0 0 0 22,50,000 32,25,000 0 0 17,500 43,42,500 0 2,52,500 80,92,500 0 0 43,45,000 80,97,500 65,92,500 1,03,42,500
55 0 0 0 22,50,000 32,25,000 0 0 17,500 44,80,000 0 2,52,500 84,47,500 0 0 44,82,500 84,52,500 67,30,000 1,06,97,500
56 0 0 0 22,50,000 32,25,000 0 0 17,500 46,20,000 0 2,52,500 88,30,000 0 0 46,25,000 88,35,000 68,70,000 1,10,80,000
 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
Policy Total Death Total Total
Annualized Maturity Total Death
Year Maturity Benefit Surrender Surrender
Premium Benefit, Benefit incl
Survival Surrender Death Maturity Cash Surrender Cash Surrender Benefit, incl of Benefit incl Benefit incl
GA RB RB incl TB, if of TB, if
Benefit Benefit# Benefit Benefit Bonus Benefit# Bonus Benefit# incl TB, if TB, if of TB, if of TB, if
any, @ any, @ 8%
any, @ 8% any, @ any, @ 4% any, @ 8%
4% (6+TB)
(7+TB) 4% (5+10) (5+13)
(7+TB)
(6+TB)

57 0 0 0 22,50,000 32,25,000 0 0 17,500 47,65,000 0 2,52,500 92,40,000 0 0 47,70,000 92,45,000 70,15,000 1,14,90,000
58 0 0 0 22,50,000 32,25,000 0 0 17,500 49,17,500 0 2,52,500 96,82,500 0 0 49,22,500 96,87,500 71,67,500 1,19,32,500
59 0 0 0 22,50,000 32,25,000 0 0 17,500 50,72,500 0 2,52,500 1,01,60,000 0 0 50,77,500 1,01,65,000 73,22,500 1,24,10,000
60 0 0 0 22,50,000 32,25,000 0 0 17,500 52,32,500 0 2,52,500 1,06,72,500 0 0 52,37,500 1,06,77,500 74,82,500 1,29,22,500

61 0 0 0 22,50,000 32,25,000 0 0 17,500 53,97,500 0 2,52,500 1,12,22,500 0 0 54,05,000 1,12,30,000 76,47,500 1,34,72,500
62 0 0 0 22,50,000 32,25,000 0 0 17,500 55,70,000 0 2,52,500 1,18,17,500 0 0 55,75,000 1,18,22,500 78,20,000 1,40,67,500
63 0 0 0 22,50,000 32,25,000 0 0 17,500 57,45,000 0 2,52,500 1,24,55,000 0 0 57,52,500 1,24,62,500 79,95,000 1,47,05,000
64 0 0 0 22,50,000 32,25,000 0 0 17,500 59,27,500 0 2,52,500 1,31,42,500 0 0 59,35,000 1,31,50,000 81,77,500 1,53,92,500
65 0 0 0 22,50,000 32,25,000 0 0 17,500 61,15,000 0 2,52,500 1,38,85,000 0 0 61,22,500 1,38,92,500 83,65,000 1,61,35,000

66 0 0 0 22,50,000 32,25,000 0 0 17,500 63,07,500 0 2,52,500 1,46,82,500 0 0 63,15,000 1,46,90,000 85,57,500 1,69,32,500
67 0 0 0 22,50,000 32,25,000 0 0 17,500 65,07,500 0 2,52,500 1,55,40,000 0 0 65,15,000 1,55,47,500 87,57,500 1,77,90,000
68 0 0 0 22,50,000 32,25,000 0 0 17,500 67,12,500 0 2,52,500 1,64,62,500 0 0 67,20,000 1,64,72,500 89,62,500 1,87,12,500
69 0 0 0 22,50,000 32,25,000 0 0 17,500 69,22,500 0 2,52,500 1,74,57,500 0 0 69,32,500 1,74,67,500 91,72,500 1,97,07,500
70 0 0 0 22,50,000 32,25,000 0 0 17,500 71,40,000 0 2,52,500 1,85,30,000 0 0 71,50,000 1,85,40,000 93,90,000 2,07,80,000

71 0 0 0 22,50,000 32,25,000 0 0 17,500 73,62,500 0 2,52,500 1,96,82,500 0 0 73,75,000 1,96,92,500 96,12,500 2,19,32,500
72 0 0 0 22,50,000 32,25,000 0 0 17,500 75,92,500 0 2,52,500 2,09,22,500 0 0 76,05,000 2,09,35,000 98,42,500 2,31,72,500
73 0 0 0 22,50,000 32,25,000 0 0 17,500 78,30,000 0 2,52,500 2,22,60,000 0 0 78,42,500 2,22,72,500 1,00,80,000 2,45,10,000
74 0 0 0 0 32,25,000 25,00,000 0 17,500 0 0 2,52,500 0 78,95,000 2,26,72,500 85,12,500 2,49,60,000 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 K SUNDARAM, have explained the premiums charges and benefits under the product I CUSTOMER ,having received the information with respect to the above, have
fully to the prospect / policy holder. understood 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".