07-12-2015 15:07:29

Q uote No : q7sjap24gm g9t

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 HDFC Life Super Income Plan
on 07 December 2015
PERSONAL DETAILS
Nam e
Life 1

Age

Prasad Iyengar

Gender

27

Age is taken as on last birthday

POLICY DETAILS
Date of Policy Com m encem ent:
Policy Term :
Prem ium Paying Term :
Prem ium Frequency:
Payout Term :

07-Dec-2015
16 year(s)
8 year(s)
Monthly
8 year(s)

PREMIUM AND BENEFIT DETAILS

Benefit Name
Main Benefit-O ption 1

Sum A ssured
(in Rs.)

Benefit Term
(years)

Premium Paying Term

(years)

16

4,50,000

Premium
(in Rs.)

Taxes as applicable*#
(in Rs.)

6,268

Total Premium
228

6,496

Total Prem ium payable per Frequency:

6,268
228
6,496
Since premium frequency of your policy is monthly, premiums for first 3 months are payable at the time of proposal login.In case of Unit Linked policies, the
allocation of units for the advance premiums paid will be done on the due dates of those premiums and at the Unit Prices applicable on those dates. Total
amount Payable at the time of login is Rs. 19,488/Nex t Prem ium Due Date:
* General Sales Tax (GST) in case of Jam m u and Kashm ir and Service Tax (including Swachh Bharat Cess) in all other cases.
#The Service Tax & Swachh Bharat Cess on the Main Benefit prem ium for year two and subsequent years will be Rs.114/-

07-Mar-2016

ILLUSTRATION OF FUTURE BENEFITS

This illustration has been produced by HDFC Standard Life Insurance C ompany Limited to help you understand the benefits of your HDFC Life HDFC Life
Super Income Plan. 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, particularly
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 C ouncil.
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.
The assumed investment returns of 4% and 8% per annum are not future bonus rates. Future bonus rates depend on the actual investment returns and other
factors including but not limited to the effects of taxation, persistency, mortality experience etc.
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. The guaranteed benefits shown increase as reversionary bonuses are declared. The rate of future reversionary bonuses is not guaranteed.
All amounts are in Indian Rupees.
Illustrative Benefits on Survival
On the survival of the Life Assured until the Maturity date,the illustrative Maturity benefits are as shown below.
Guaranteed Benefit
Policy Year

Super Income Plan

Non-Guaranteed Benefit

Total Survival Benefit

Assumed Investment Return

Assumed Investment Return

4% p.a

8% p.a

4% p.a

8% p.a

56,250

56,250

56,250

10

56,250

56,250

56,250

11

56,250

56,250

56,250

12

56,250

56,250

56,250

13

56,250

56,250

56,250

14

56,250

56,250

56,250

15

56,250

56,250

56,250

16

56,250

1,89,000

4,63,500

2,45,250

5,19,750

The survival benefits are payable at the end of the policy year.

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

Non Guaranteed Benefit

Total Death Benefit

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

7,52,160

7,52,160

4,500

20,250

7,56,660

7,72,410

7,52,160

7,52,160

9,000

40,500

7,61,160

7,92,660

7,52,160

7,52,160

13,500

60,750

7,65,660

8,12,910

7,52,160

7,52,160

18,000

81,000

7,70,160

8,33,160

7,52,160

7,52,160

22,500

1,01,250

7,74,660

8,53,410

7,52,160

7,52,160

27,000

1,21,500

7,79,160

8,73,660

7,52,160

7,52,160

31,500

1,41,750

7,83,660

8,93,910

7,52,160

7,52,160

36,000

1,62,000

7,88,160

9,14,160

7,52,160

7,52,160

40,500

1,82,250

7,92,660

9,34,410

10

7,52,160

7,52,160

45,000

2,02,500

7,97,160

9,54,660

11

7,52,160

7,52,160

49,500

2,22,750

8,01,660

9,74,910

12

7,52,160

7,52,160

54,000

2,43,000

8,06,160

9,95,160

13

7,52,160

7,52,160

58,500

2,63,250

8,10,660

10,15,410

14

7,52,160

7,52,160

63,000

2,83,500

8,15,160

10,35,660

15

7,52,160

7,52,160

67,500

3,03,750

8,19,660

10,55,910

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 2 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.

45,130

1,308

13,347

46,437

58,477

67,694

15,904

37,577

83,598

1,05,272

1,50,432

1,010

17,990

1,51,442

1,68,422

1,88,040

12,587

64,601

2,00,627

2,52,641

2,25,648

34,386

1,01,803

2,60,034

3,27,451

2,63,256

64,357

1,49,293

3,27,613

4,12,549

3,30,950

73,450

1,78,295

4,04,401

5,09,245

2,74,700

1,09,813

2,37,189

3,84,513

5,11,890

10

2,18,450

1,49,447

3,02,301

3,67,898

5,20,751

11

1,62,200

1,56,262

3,25,250

3,18,462

4,87,450

12

1,66,123

1,02,898

2,88,155

2,69,021

4,54,279

13

1,09,873

1,09,800

3,11,499

2,19,673

4,21,373

14

53,623

1,16,798

3,35,115

1,70,421

3,88,738

15

1,21,163

3,56,231

1,21,163

3,56,231

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 Taxes include service tax and Swachh Bharat C ess as applicable) including any indirect tax may be charged to the
Policyholder either now or in future by the C ompany 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 HDFC Life Super Income Plan - 101N098V01

I____________________________________ , (Name) have

explained the above illustration and the terms and conditions of this
product to the policyholder.
Intermediary's Signature :
Date :
Place :

I____________________________________ , (Name) having received the

information with respect to the above, have understood the above illustration
before entering the contract.
Proposer's Signature / Thumb Impression :