19-Nov-14 04.14.

34

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 Click 2 Invest - ULIP (UIN: 101L0100V01)
On 19 November 2014

PERSONAL DETAILS
Name

Age

Gender

kyu

35

Life 1
Age is taken as on last birthday

POLICY DETAILS
Date of Policy Commencement:

19-Nov-2014

Policy Term in Year(s):

20
20

Premium Paying Term in Year(s):

Premium Frequency:
Annual
PREMIUM AND BENEFIT DETAILS
Benefit Name

Sum Assured
(in Rs.)

Main Benefit

2,50,000

Premium
(in Rs.)

Premium Paying
Term (years)

Benefit Term
(years)
20

25,000

20

Total Premium payable per Frequency:

Next premium Due Date

25,000

19-Nov-2015

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 Click 2 Invest - ULIP.
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 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.
Whilst future investment returns would significantly influence policy benefits, other factors such as charges and taxes also have an impact on your benefits.
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 Benefits

Date of Maturity

Click 2 Invest

19-Nov-2034

Non-Guaranteed Benefit

Total Maturity Benefit

Assumed Investment Return

Assumed Investment Return

4% p.a.
6,47,170

8% p.a.
10,13,969

4% p.a.
6,47,170

8% p.a.
10,13,969

Upon this payment, the policy terminates and no further benefit becomes payable.
IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATION
PURPOSE.

19-Nov-14 04.14.34

Gross Yield
Projected Statement of Premiums, Charges and Fund Value based on Assumed Investment Return of 8% p.a.
(01)

(02)

(03)

(04)

(05)

(06)

(07)

Risk
Policy Annualise Top-up Premium Amount
Allocation available for Charge
d
Year
Charge
Investment
Premium

(08)

Policy
Administrati
on
Charge

FMC

(09)

(10)

(11)

Investment Taxes as
Total
Guarantee applicable* Charges
charge

(12)
Fund
Value
(end of
year)

(13)

(14)

Additio Surrender
Benefit
n
(end of
to Fund
year)

8%
6.55%

Net Yield
(15)

(16)

(17)

Guarantee
d
Death
Benefit

Total
Death
Benefit

Commissi
on

25,000

25,000

288

347

78

713

26,259

26,259

2,50,000

2,50,000

25,000

25,000

268

714

121

1,103

54,215

54,215

2,50,000

2,50,000

25,000

25,000

244

1,105

167

1,515

83,981

83,981

2,50,000

2,50,000

25,000

25,000

214

1,521

214

1,949

1,15,679

1,15,679

2,50,000

2,50,000

25,000

25,000

176

1,964

264

2,404

1,49,441

1,49,441

2,50,000

2,50,000

25,000

25,000

127

2,436

317

2,880

1,85,412

1,85,412

2,50,000

2,50,000

25,000

25,000

66

2,939

371

3,376

2,23,747

2,23,747

2,50,000

2,50,000

25,000

25,000

3,475

430

3,905

2,64,602

2,64,602

2,50,000

2,64,602

25,000

25,000

4,046

500

4,546

3,08,061

3,08,061

2,50,000

3,08,061

10

25,000

25,000

4,653

575

5,229

3,54,291

3,54,291

2,62,500

3,54,291

11

25,000

25,000

5,299

655

5,954

4,03,467

4,03,467

2,88,750

4,03,467

12

25,000

25,000

5,986

740

6,726

4,55,777

4,55,777

3,15,000

4,55,777

13

25,000

25,000

6,717

830

7,548

5,11,422

5,11,422

3,41,250

5,11,422

14

25,000

25,000

7,495

926

8,421

5,70,614

5,70,614

3,67,500

5,70,614

15

25,000

25,000

8,322

1,029

9,350

6,33,578

6,33,578

3,93,750

6,33,578

16

25,000

25,000

9,201

1,137

10,339

7,00,556

7,00,556

4,20,000

7,00,556

17

25,000

25,000

10,137

1,253

11,390

7,71,803

7,71,803

4,46,250

7,71,803

18

25,000

25,000

11,133

1,376

12,509

8,47,592

8,47,592

4,72,500

8,47,592

19

25,000

25,000

12,192

1,507

13,699

9,28,211

9,28,211

4,98,750

9,28,211

20

25,000

25,000

13,318

1,646

14,964

10,13,969

10,13,969

5,25,000

10,13,969

* General Sales Tax (GST) in case of Jammu and Kashmir and Service Tax (including Education Cess) in all other cases.

Projected Statement of Premiums, Charges and Fund Value based on Assumed Investment Return of 4% p.a.
(01)

(02)

(03)

(05)

(04)

Top-up Premium Amount

Policy Annualise
Allocation available
d
Year
Charge
for
Premium
Investment

(06)

(07)

(08)

Risk
Policy
Charge Administrati
on
Charge

(09)

(10)

(11)

Investment Taxes as
Total
Guarantee applicable* Charges
charge

FMC

(12)
Fund
Value
(end of
year)

(13)

(14)

(15)

(16)

(17)

Addition
to Fund

Surrender
Benefit
(end of
year)

Guarantee
d
Death
Benefit

Total
Death
Benefit

Commis
sion

25,000

25,000

288

340

78

706

25,280

25,280

2,50,000

2,50,000

25,000

25,000

271

686

118

1,075

51,196

51,196

2,50,000

2,50,000

25,000

25,000

250

1,041

160

1,451

77,766

77,766

2,50,000

2,50,000

25,000

25,000

226

1,405

202

1,833

1,05,010

1,05,010

2,50,000

2,50,000

25,000

25,000

198

1,778

244

2,220

1,32,949

1,32,949

2,50,000

2,50,000

25,000

25,000

163

2,161

287

2,611

1,61,609

1,61,609

2,50,000

2,50,000

25,000

25,000

120

2,553

330

3,004

1,91,014

1,91,014

2,50,000

2,50,000

25,000

25,000

68

2,956

374

3,397

2,21,196

2,21,196

2,50,000

2,50,000

25,000

25,000

3,370

417

3,790

2,52,185

2,52,185

2,50,000

2,52,185

10

25,000

25,000

3,794

469

4,263

2,83,932

2,83,932

2,62,500

2,83,932

11

25,000

25,000

4,228

523

4,751

3,16,452

3,16,452

2,88,750

3,16,452

12

25,000

25,000

4,674

578

5,251

3,49,764

3,49,764

3,15,000

3,49,764

13

25,000

25,000

5,129

634

5,763

3,83,887

3,83,887

3,41,250

3,83,887

14

25,000

25,000

5,597

692

6,288

4,18,840

4,18,840

3,67,500

4,18,840

15

25,000

25,000

6,075

751

6,826

4,54,644

4,54,644

3,93,750

4,54,644

16

25,000

25,000

6,565

811

7,376

4,91,320

4,91,320

4,20,000

4,91,320

17

25,000

25,000

7,067

873

7,940

5,28,888

5,28,888

4,46,250

5,28,888

18

25,000

25,000

7,581

937

8,518

5,67,371

5,67,371

4,72,500

5,67,371

19

25,000

25,000

8,108

1,002

9,110

6,06,791

6,06,791

4,98,750

6,06,791

20

25,000

25,000

8,647

1,069

9,716

6,47,170

6,47,170

5,25,000

6,47,170

* General Sales Tax (GST) in case of Jammu and Kashmir and Service Tax (including Education Cess) in all other cases.

19-Nov-14 04.14.34

Description of Charges
This illustration is based on the following charges:

Premium Allocation Charge

This is a premium-based charge (which may vary by product, policy year, premium size, premium frequency and premium payment method). After deducting this charge
from your premiums, the remainder is invested to buy units. Please read Sales Literature for more details.

Fund Management Charge (FMC)

This is a charge levied as a percentage of the value of assets and deducted at the time of computation of daily unit prices. In the long term, the key to building great
maturity values is a low FMC.The Fund Management Charge is the same across all the fund options.

Policy Administration Charge

This charge is levied to cover regular administration costs. This charge may vary by product & premium size. Please read Sales Literature for more details.

Risk Charge
This is a charge levied monthly to cover the cost of providing you with the Death Benefit, Extra Health Benefit, Extra Life Benefit, Extra Disability Benefit and any other
Morbidity Benefits, if applicable, on your policy. The amount of the charge taken each month is based on the benefits insured and your age.

Service Tax & Education Cess

The Government of India levies a Service Tax & Education Cess on the amount of any charges deducted from your policy. We collect this tax along with the charges.
The tax rates and its applicability will be as notified by the Government from time to time.

NOTES:
1. The Sum Assured stated above is based on the information provided and may vary as a result of underwriting.
2. 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. The benefits illustrated assume that all premiums that are due over the premium paying term will be paid and no withdrawals will be made during the policy term. In
case premiums are notpaid for the premium paying term at the original level or withdrawals are made during the policy term, the illustrative benefits will differ.
5. 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.
6. A policy may be surrendered at any time in the first five years of the policy but the amount payable on surrender will be paid out only on completion of five policy
years, subject to prevailing regulations.
7. In case you do not pay premiums for the full premium paying term, your policy will be discontinued or will become paid-up depending on the premiums paid
previously. Please read the sales literature for more details.
8. There is no commission payable as the illustration has been generated on the basis that this proposal would be sourced through Direct Sales.
9. "Premium Allocation Charge Rates" and "Risk Benefit Charge Rates", if applicable, are guaranteed for the lifetime of the policy. All other charges may be altered
during the lifetime of the policy with prior approval from the regulator.
10. Clawback Additions would be payable at the point of exit after the completion of five years, if and only if, it is required to meet the reduction in yield requirements
prescribed by the regulations. Exit would mean exit by way of death, surrender or maturity whichever is earliest.

I, ......................................................................................., having received the information with respect to the above, have understood the inbuilt features of the policy,
the applicable charges and the investment risks under the policy, before entering into the contract.

Policyholder's Signature:
Date:
Place:

Marketing Official's Signature:

Companys Seal:

Channel Name : Direct - Online

19-Nov-14 04.14.34