on 23 March 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 Life Sampoorn Samridhi Insurance Plan (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.
The assumed investment returns of 6% and 10% 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 guaranteed to be a minimum 3% for all bonuses declared till 31st March
2021.The reversionary bonuses declared after this date are not guaranteed.
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.
Illustrative Benefits on Death
On the death of the Life Assured before the Maturity date the illustrative benefits are as shown below.
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 only after the first three years of the policy. Hence, Surrender Values are shown from the start of year 4 onwards.
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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 Sampoorn Samridhi Insurance Plan (Spl)
PERSONAL DETAILS
Name Age Gender
Life 1 lenin raj 23 M
POLICY DETAILS
Date of Policy Commencement: 23-Mar-2013
Policy Term: 10 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 1,000,000 10 10 101,435 3,134 104,569
Total Premium payable per Frequency: 101,435 3,134 104,569
Next premium Due Date 23-Mar-2014
* 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.1572/-.
Guaranteed Benefit Non-Guaranteed Benefit Total Maturity Benefit
Assumed Investment Return Assumed Investment Return
Date of Maturity Sampoorn Samridhi Insurance Plan (Spl) 6% p.a. 10% p.a. 6% p.a. 10% p.a.
23-Mar-2023 1,000,000 315,168 659,345 1,315,168 1,659,345
Depending on the Maturity Benefit Option chosen, on Maturity either an additional Sum Assured as mentioned in the 'PREMIUM AND BENEFIT DETAILS' above shall be payable by us on
the death of the Life Assured until age 99 years or an additional Enhanced Terminal Bonus shall be payable by us on the maturity date. Upon this payment, the policy terminates and no
further benefit other than maturity benefit becomes payable.
Guaranteed Benefits Non-Guaranteed Benefit Total Death Benefit
Benefit on Valid Claim Assumed Investment Return Assumed Investment Return Assumed Investment Return
Assumed Date of Death 6% p.a. 10% p.a. 6% p.a. 10% p.a. 6% p.a. 10% p.a.
23-Mar-2014 1,000,000 1,000,000 0 0 1,000,000 1,000,000
23-Mar-2015 1,000,000 1,000,000 0 0 1,000,000 1,000,000
23-Mar-2016 1,000,000 1,000,000 30,000 40,000 1,030,000 1,040,000
23-Mar-2017 1,000,000 1,000,000 60,000 80,000 1,060,000 1,080,000
23-Mar-2018 1,000,000 1,000,000 90,000 120,001 1,090,000 1,120,001
23-Mar-2019 1,000,000 1,000,000 120,000 160,001 1,120,000 1,160,001
23-Mar-2020 1,000,000 1,000,000 150,000 200,002 1,150,000 1,200,002
23-Mar-2021 1,000,000 1,000,000 180,000 240,002 1,180,000 1,240,002
23-Mar-2022 1,000,000 1,000,000 210,000 280,003 1,210,000 1,280,003
Upon this payment, the policy terminates and no further benefit is payable.
Accidental Death Benefit
If the Life Assured dies before the end of the policy term as a result of an accident, an additional Sum Assured as mentioned in the 'PREMIUM AND BENEFIT DETAILS' above shall be
payable by us. This payment is in addition to any benefit shown above in the table of 'Illustrative Benefits on Death'. Upon payment of this benefit, the Policy terminates and no further
benefit becomes payable.
Guaranteed Benefit Non-Guaranteed Benefit Total Surrender Benefit
Assumed Investment Return Assumed Investment Return
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.
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 / Relationship Manager.
TERMS AND CONDITIONS
Date of Surrender Guaranteed Surrender Value 6% p.a. 10% p.a. 6% p.a. 10% p.a.
23-Mar-2016 101,435 0 0 101,435 101,435
23-Mar-2017 152,153 250,647 258,247 402,800 410,400
23-Mar-2018 202,870 333,955 348,730 536,825 551,600
23-Mar-2019 253,588 426,812 451,113 680,400 704,701
23-Mar-2020 304,305 526,570 562,696 830,875 867,001
23-Mar-2021 355,023 639,127 689,679 994,150 1,044,702
23-Mar-2022 405,740 761,910 829,462 1,167,650 1,235,202
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. Since some of the benefits are subject to maximum limits, please contact your financial consultant for more details.
4. The quoted premium is not guaranteed as premium rates for new policies can change in the future. However, once a policy is issued the premium will stay constant during the life of
that policy.
5. 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.
6. Insurance is a subject matter of solicitation.
7. UIN for HDFC Life Sampoorn Samridhi Insurance Plan (Spl) - 101N078V01
It has been proposed under the Union Budget 2012-13 that as per section 10 (10D) of the Income Tax Act, 1961; any sum received under a life insurance policy
will only be exempt from tax provided the annual premium payable in any of the years during the term of the policy does not exceed 10% of the actual capital
sum assured.
Financial Consultant's Signature:
Financial Consultant's Name:
Financial Consultant's Code:
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