Ver: 30(19)d- 30.19-3 0
2 5 - Jan - 2014 - 23 2 3: 26 : 1 4
P ag e 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 Life Sanchay(Spl) (UIN : 101N097V01) on 25 January 2014
PERSONAL DETAILS
Name Na
Li fe 1
ankur mittal
A ge
Gender
26
M
Age is taken as on last birthday
POLICY DETAILS Date of Policy Commencement:
25-Jan-2014 25-Jan-2014
Policy Term:
21 year(s)
Premium Paying Term:
10 year(s)
Premium Frequency:
Annual Annual
PREMIUM AND BENEFIT DETAILS Sum Assured (in Rs.)
Benefit Name Main Benefit
Benefit Term (years)
1,824,920
Premium Paying Term (years)
Premium (in Rs.)
21 10 Total Premium payable per Frequency:
2 40 , 0 00 2 40 , 0 00
Taxes as applicable*# (in Rs.) 7,416 7,416
Total Premium 247,416 247,416
Next premium Due Date
25-Jan-2015 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/-. 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.
Guaranteed Benefit Date of Maturity
Sanchay (Spl)
N o n -Guaranteed Benefit
Total Matur ity Benefi t
Assumed Investment Return
Assumed Investment Return
4% p.a.
25-Jan-2035
5,274,042
8% p.a. 0
4 % p . a. 0
8 % p . a.
5 , 2 7 4 , 042
5 , 27 4 , 04 2
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. Benefit on Valid Claim Policy Year
Guaranteed Benefits
N o n -Guaranteed Benefit
Total Death Benefi t
Assumed Investment Return
Assumed Investment Return
Assumed Investment Return
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 , 56 4 , 24 3
2
2,728,486
2,728,486
0
0
2,728,486
2 , 72 8 , 48 6
3
2,892,730
2,892,730
0
0
2,892,730
2 , 89 2 , 73 0
4
3,056,974
3,056,974
0
0
3,056,974
3 , 05 6 , 97 4
5
3,221,218
3,221,218
0
0
3,221,218
3 , 22 1 , 21 8
6
3,385,462
3,385,462
0
0
3,385,462
3 , 38 5 , 46 2
7
3,549,706
3,549,706
0
0
3,549,706
3 , 54 9 , 70 6
8
3,713,950
3,713,950
0
0
3,713,950
3 , 71 3 , 95 0
9
3,878,194
3,878,194
0
0
3,878,194
3 , 87 8 , 19 4
10
4,162,438
4,162,438
0
0
4,162,438
4 , 16 2 , 4 3 8
11
4,326,682
4,326,682
0
0
4,326,682
4 , 32 6 , 6 8 2
12
4,490,926
4,490,926
0
0
4,490,926
4 , 49 0 , 9 2 6
13
4,655,170
4,655,170
0
0
4,655,170
4 , 65 5 , 1 7 0
14
4,819,414
4,819,414
0
0
4,819,414
4 , 81 9 , 4 1 4
15
4,983,658
4,983,658
0
0
4,983,658
4 , 98 3 , 6 5 8
16
5,147,902
5,147,902
0
0
5,147,902
5 , 14 7 , 9 0 2
17
5,312,146
5,312,146
0
0
5,312,146
5 , 31 2 , 1 4 6
18
5,476,390
5,476,390
0
0
5,476,390
5 , 47 6 , 3 9 0
19
5,640,634
5,640,634
0
0
5,640,634
5 , 64 0 , 6 3 4
20
5,804,878
5,804,878
0
0
5,804,878
5 , 80 4 , 8 7 8
Upon this payment, the policy terminates and no further benefit is payable. The benefits shown above are at the end of the year.
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. Guaranteed Benefit Policy Year
Guaranteed Surrender Value
Non-Guaranteed Benefit
Total Surrender Benefit
Assumed Investment Return
Assumed Investment Return
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
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 Financial Consultant's Signature:
Customer's Signature:
Financial Consultant's Name:
Date:
Financial Consultant's Code :
Place:
Business Development Manager's Name:
