Ver: 30(20)d-30.

20-30

11-May-2014 - 23:03:00

Page 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 SL ProGrowth Plus (UIN : 101L081V02)
on 11 May 2014

PERSONAL DETAILS
Name
Life 1

animesh raja

Age

Gender

40

Age is taken as on last birthday

POLICY DETAILS
Date of Policy Commencement:

11-May-2014

Policy Term:

25 year(s)

Premium Paying Term:

25 year(s)

Premium Frequency:

Annual

PREMIUM AND BENEFIT DETAILS

Sum Assured
(in Rs.)
500,000

Benefit Name
ProGrowth Plus

Premium Paying
Term (years)
25
Total Premium payable per Frequency:

Benefit Term (years)

25

Next premium Due Date

Premium
(in Rs.)
25,000
25,000
11-May-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 ProGrowth Plus. 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 Benefit
Date of Maturity

ProGrowth Plus

11-May-2039

Non-Guaranteed Benefit

Total Maturity Benefit

Assumed Investment Return

Assumed Investment Return

4% p.a.
0

8% p.a.
772,176

1,378,527

4% p.a.

8% p.a.
772,176

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.

1,378,527

Ver: 30(20)d-30.20-30

11-May-2014 - 23:03:00

Page 2

Gross Yield

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

(02)

(03)

Annualised
Premium

(04)

(05)

Premium
Allocation
Charge

Top-up

(06)

Amount
available for
Investment

(07)
Policy
Administration
Charge

Risk
Charge

(08)

(09)

FMC

Investment
Guarantee
charge

8.00 %

Net Yield
(10)
Taxes as
applicable*

(11)

(12)

Total
Charges

Fund
Value
(end of
year)

6.10 %

(13)

(14)

(15)

(16)

(17)

Addition
to Fund

Surrender
Benefit
(end of
year)

Guaranteed
Death
Benefit

Total
Death
Benefit

Commission

25,000
25,000

0
0

625
500

24,375
24,500

1,112
1,111

1,260
1,260

320
644

0
0

410
434

3,727
3,949

23,091
47,804

0
0

19,720
45,557

500,000
500,000

500,000
500,000

0
0

25,000
25,000
25,000

0
0
0

0
0
0

25,000
25,000
25,000

1,089
1,071
1,053

1,260
1,260
1,260

997
1,374
1,774

0
0
0

414
458
505

3,760
4,163
4,592

74,715
103,362
133,856

0
0
0

73,029
102,238
133,856

500,000
500,000
500,000

500,000
500,000
500,000

0
0
0

25,000
25,000

0
0

0
0

25,000
25,000

1,037
1,010

2,490
2,490

2,190
2,623

0
0

707
757

6,424
6,880

164,883
197,919

0
0

164,883
197,919

500,000
500,000

500,000
500,000

0
0

25,000
25,000
25,000

0
0
0

0
0
0

25,000
25,000
25,000

970
914
837

2,490
2,490
2,490

3,085
3,577
4,102

0
0
0

809
863
918

7,354
7,844
8,347

233,108
270,603
310,579

0
0
0

233,108
270,603
310,579

500,000
500,000
500,000

500,000
500,000
500,000

0
0
0

25,000
25,000

0
0

0
0

25,000
25,000

718
547

0
0

4,682
5,320

0
0

667
725

6,067
6,592

356,134
404,791

0
0

356,134
404,791

500,000
500,000

500,000
500,000

0
0

25,000
25,000

0
0

0
0

25,000
25,000

322
38

0
0

6,002
6,731

0
0

782
837

7,106
7,606

456,811
512,477

0
0

456,811
512,477

500,000
500,000

500,000
512,477

0
0

25,000
25,000
25,000

0
0
0

0
0
0

25,000
25,000
25,000

0
0
0

0
2,490
2,490

7,509
8,316
9,157

0
0
0

928
1,336
1,440

8,437
12,142
13,087

571,735
631,878
695,854

0
0
0

571,735
631,878
695,854

500,000
500,000
500,000

571,735
631,878
695,854

0
0
0

25,000
25,000

0
0

0
0

25,000
25,000

0
0

2,490
2,490

10,051
11,001

0
0

1,550
1,668

14,091
15,159

763,909
836,300

0
0

763,909
836,300

500,000
500,000

763,909
836,300

0
0

25,000
25,000
25,000

0
0
0

0
0
0

25,000
25,000
25,000

0
0
0

2,490
2,490
2,490

12,013
13,089
14,233

0
0
0

1,793
1,926
2,067

16,296
17,505
18,790

913,307
995,221
1,082,357

0
0
0

913,307
995,221
1,082,357

500,000
500,000
500,000

913,307
995,221
1,082,357

0
0
0

24

25,000
25,000

0
0

0
0

25,000
25,000

0
0

2,490
2,490

15,451
16,746

0
0

2,217
2,378

20,158
21,614

1,175,047
1,273,645

0
0

1,175,047
1,273,645

500,000
500,000

1,175,047
1,273,645

0
0

25

25,000

25,000

2,490

18,123

2,548

23,161

1,378,527

1,378,527

500,000

1,378,527

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

* 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)

Policy
Year

Annualised
Premium

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000

(03)

(04)

(05)

(06)

(07)

Top-up

Premium
Allocation
Charge

Amount
available for
Investment

Risk
Charge

Policy
Administration
Charge

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

625
500
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

24,375
24,500
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000

1,112
1,115
1,099
1,091
1,087
1,091
1,093
1,091
1,085
1,075
1,043
984
905
796
650
472
255
3
0
0
0
0
0
0
0

1,260
1,260
1,260
1,260
1,260
2,490
2,490
2,490
2,490
2,490
0
0
0
0
0
2,490
2,490
2,490
2,490
2,490
2,490
2,490
2,490
2,490
2,490

(08)

(09)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

(17)

FMC

Investment
Guarantee
charge

Taxes as
applicable*

Total
Charges

Fund
Value
(end of
year)

Addition
to Fund

Surrender
Benefit
(end of
year)

Guaranteed
Death
Benefit

Total
Death
Benefit

Commission

313
618
939
1,268
1,605
1,940
2,274
2,617
2,968
3,327
3,716
4,133
4,562
5,002
5,455
5,901
6,343
6,799
7,269
7,749
8,242
8,747
9,263
9,793
10,335

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

409
432
408
447
489
682
724
766
809
852
588
632
676
717
755
1,095
1,123
1,148
1,206
1,266
1,326
1,389
1,453
1,518
1,585

3,719
3,925
3,706
4,066
4,441
6,203
6,581
6,964
7,352
7,744
5,347
5,749
6,143
6,515
6,860
9,958
10,211
10,440
10,965
11,505
12,058
12,626
13,206
13,801
14,410

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

22,188
45,058
69,078
93,691
118,909
143,335
168,354
193,985
220,246
247,158
277,596
308,842
340,938
373,940
407,911
440,077
473,273
507,565
542,694
578,679
615,540
653,298
691,975
731,593
772,176

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

18,818
42,811
67,392
92,568
118,909
143,335
168,354
193,985
220,246
247,158
277,596
308,842
340,938
373,940
407,911
440,077
473,273
507,565
542,694
578,679
615,540
653,298
691,975
731,593
772,176

500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000

500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
507,565
542,694
578,679
615,540
653,298
691,975
731,593
772,176

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Ver: 30(20)d-30.20-30

11-May-2014 - 23:03:00

Page 3

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:
The Sum Assured stated above is based on the information provided and may vary as a result of underwriting.
Please read the sales literature provided.
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.
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
not paid for the premium paying term at the original level or withdrawals are made during the policy term, the illustrative benefits will differ.
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 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.
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.
There is no commission payable as the illustration has been generated on the basis that this proposal would be sourced through Direct Sales.
"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.
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.
Financial Consultant's Signature:

Policyholder's Signature:

Financial Consultant's Name:

Date:

Financial Consultant's Code :

Place:

Business Development Manager's Name:

Marketing Official's Signature:
Companys Seal:

Channel Name : Direct - Online