21-12-2017

Q uote No : q8uunak y6vsgh

This is the official illustration issued by HDFC Standard Life Insurance C ompany Limited. Illustration of any other type is not supported by the company.

Illustration For (UIN : 101L108V02)

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YOUR POLICY DETAILS
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YOUR POLICY BENFITS

Gross Yield 8.00%
Net Yield 6.55%
(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19)
A mount
Policy A nnualised Cumulative Premium available Risk Policy Investment Taxes and Total A ddition Fund Value A ssured Total Vesting Surrender Guaranteed Total Death
A llocation A dministration FMC Guarantee levies as Vesting Benefit Death Commission
Year Premium Premiums Charge for Charge Charge Charge applicable Charges to Fund (end of year) Benefit benefit (end of year) Benefit Benefit
Investment
1 37,90,599 37,90,599 0 37,90,599 0 0 52,787 19,551 13,021 72,338 0 40,05,432 0 0 40,05,432 39,80,129 40,05,432 0
2 37,90,599 75,81,197 0 37,90,599 0 0 1,08,567 40,210 26,780 1,48,777 0 82,37,873 0 0 82,37,873 79,60,257 82,37,873 0
3 37,90,599 1,13,71,796 0 37,90,599 0 0 1,67,507 62,040 41,318 2,29,547 0 1,27,10,188 0 0 1,27,10,188 1,19,40,386 1,27,10,188 0
4 37,90,599 1,51,62,394 0 37,90,599 0 0 2,29,788 85,107 56,681 3,14,895 0 1,74,35,974 0 0 1,74,35,974 1,59,20,514 1,74,35,974 0
5 37,90,599 1,89,52,993 0 37,90,599 0 0 2,95,599 1,09,481 72,914 4,05,080 0 2,24,29,594 0 0 2,24,29,594 1,99,00,643 2,24,29,594 0
6 37,90,599 2,27,43,591 0 37,90,599 0 0 3,65,140 1,35,237 90,068 5,00,377 0 2,77,06,230 0 0 2,77,06,230 2,38,80,771 2,77,06,230 0
7 37,90,599 2,65,34,190 0 37,90,599 0 0 4,38,622 1,62,452 1,08,193 6,01,074 0 3,32,81,920 0 0 3,32,81,920 2,78,60,900 3,32,81,920 0
8 37,90,599 3,03,24,789 0 37,90,599 0 0 5,16,268 1,91,210 1,27,346 7,07,478 0 3,91,73,614 0 0 3,91,73,614 3,18,41,028 3,91,73,614 0
9 0 0 0 0 0 0 5,45,528 2,02,047 1,34,564 7,47,575 0 4,13,93,790 0 0 4,13,93,790 3,18,41,028 4,13,93,790 0
10 0 0 0 0 0 0 5,76,446 2,13,498 1,42,190 7,89,944 0 4,37,39,795 0 0 4,37,39,795 3,18,41,028 4,37,39,795 0
11 0 0 0 0 0 0 6,09,116 2,25,598 1,50,249 8,34,714 0 4,62,18,761 0 0 4,62,18,761 3,18,41,028 4,62,18,761 0
12 0 0 0 0 0 0 6,43,638 2,38,384 1,58,764 8,82,022 0 4,88,38,222 0 0 4,88,38,222 3,18,41,028 4,88,38,222 0
13 0 0 0 0 0 0 6,80,116 2,51,895 1,67,762 9,32,011 0 5,16,06,142 0 0 5,16,06,142 3,18,41,028 5,16,06,142 0
14 0 0 0 0 0 0 7,18,662 2,66,171 1,77,270 9,84,833 0 5,45,30,935 0 0 5,45,30,935 3,18,41,028 5,45,30,935 0
15 0 0 0 0 0 0 7,59,392 2,81,256 1,87,317 10,40,648 0 5,76,21,492 0 0 5,76,21,492 3,18,41,028 5,76,21,492 0
16 0 0 0 0 0 0 8,02,431 2,97,197 1,97,933 10,99,628 0 6,08,87,206 0 0 6,08,87,206 3,18,41,028 6,08,87,206 0
17 0 0 0 0 0 0 8,47,909 3,14,040 2,09,151 11,61,949 0 6,43,38,006 0 0 6,43,38,006 3,18,41,028 6,43,38,006 0
18 0 0 0 0 0 0 8,95,964 3,31,839 2,21,005 12,27,803 0 6,79,84,381 0 0 6,79,84,381 3,18,41,028 6,79,84,381 0
19 0 0 0 0 0 0 9,46,743 3,50,646 2,33,530 12,97,389 0 7,18,37,415 0 0 7,18,37,415 3,18,41,028 7,18,37,415 0
20 0 0 0 0 0 0 10,00,400 3,70,519 2,46,765 13,70,919 0 7,59,08,821 0 0 7,59,08,821 3,18,41,028 7,59,08,821 0
21 0 0 0 0 0 0 10,57,098 3,91,518 2,60,751 14,48,616 0 8,02,10,975 0 0 8,02,10,975 3,18,41,028 8,02,10,975 0
22 0 0 0 0 0 0 11,17,010 4,13,707 2,75,529 15,30,717 0 8,47,56,955 0 0 8,47,56,955 3,18,41,028 8,47,56,955 0
23 0 0 0 0 0 0 11,80,317 4,37,154 2,91,145 16,17,471 0 8,95,60,580 0 0 8,95,60,580 3,18,41,028 8,95,60,580 0
24 0 0 0 0 0 0 12,47,211 4,61,930 3,07,645 17,09,141 0 9,46,36,452 0 0 9,46,36,452 3,18,41,028 9,46,36,452 0
25 0 0 0 0 0 0 13,17,897 4,88,110 3,25,081 18,06,007 0 10,00,00,000 3,57,83,251 10,00,00,000 10,00,00,000 3,18,41,028 10,00,00,000 0
Life Annuity payable (per annum) using illustrative annuity rates based on an interest rate of 8% per annum :

Gross Yield 4.00%

(01) (02) (03) (04) (05) (06) (07) (08) (09) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19)
Surrender
Policy A nnualised Cumulative APremium
A mount Policy Investment Taxes and
Total A ddition Fund
Value A ssured Total Guaranteed Total Death
Risk A dministration
llocation available for Charge FMC Guarantee levies as (end of Vesting Vesting Benefit Death
Year Premium Premiums Benefit Commission
applicable Charges to Fund
(end of
Charge Investment Charge Charge year) Benefit benefit year) Benefit
1 37,90,599 37,90,599 0 37,90,599 0 0 51,713 19,153 12,756 70,866 0 38,57,083 0 0 38,57,083 39,80,129 39,80,129 0
2 37,90,599 75,81,197 0 37,90,599 0 0 1,04,334 38,642 25,736 1,42,976 0 77,81,815 0 0 77,81,815 79,60,257 79,60,257 0
3 37,90,599 1,13,71,796 0 37,90,599 0 0 1,57,877 58,473 38,943 2,16,350 0 1,17,75,384 0 0 1,17,75,384 1,19,40,386 1,19,40,386 0
4 37,90,599 1,51,62,394 0 37,90,599 0 0 2,12,360 78,652 52,382 2,91,012 0 1,58,38,997 0 0 1,58,38,997 1,59,20,514 1,59,20,514 0
5 37,90,599 1,89,52,993 0 37,90,599 0 0 2,67,798 99,184 66,057 3,66,982 0 1,99,73,882 0 0 1,99,73,882 1,99,00,643 1,99,73,882 0
6 37,90,599 2,27,43,591 0 37,90,599 0 0 3,24,208 1,20,077 79,971 4,44,285 0 2,41,81,290 0 0 2,41,81,290 2,38,80,771 2,41,81,290 0
7 37,90,599 2,65,34,190 0 37,90,599 0 0 3,81,608 1,41,336 94,130 5,22,944 0 2,84,62,492 0 0 2,84,62,492 2,78,60,900 2,84,62,492 0
8 37,90,599 3,03,24,789 0 37,90,599 0 0 4,40,015 1,62,968 1,08,537 6,02,983 0 3,28,18,783 0 0 3,28,18,783 3,18,41,028 3,28,18,783 0
9 0 0 0 0 0 0 4,47,732 1,65,827 1,10,441 6,13,559 0 3,33,94,397 0 0 3,33,94,397 3,18,41,028 3,33,94,397 0
10 0 0 0 0 0 0 4,55,585 1,68,735 1,12,378 6,24,320 0 3,39,80,107 0 0 3,39,80,107 3,18,41,028 3,39,80,107 0
11 0 0 0 0 0 0 4,63,576 1,71,695 1,14,349 6,35,271 0 3,45,76,090 0 0 3,45,76,090 3,18,41,028 3,45,76,090 0
12 0 0 0 0 0 0 4,71,706 1,74,706 1,16,354 6,46,412 0 3,51,82,525 0 0 3,51,82,525 3,18,41,028 3,51,82,525 0
13 0 0 0 0 0 0 4,79,980 1,77,770 1,18,395 6,57,750 0 3,57,99,597 0 0 3,57,99,597 3,18,41,028 3,57,99,597 0
14 0 0 0 0 0 0 4,88,398 1,80,888 1,20,472 6,69,286 0 3,64,27,492 0 0 3,64,27,492 3,18,41,028 3,64,27,492 0
15 0 0 0 0 0 0 4,96,964 1,84,061 1,22,585 6,81,025 0 3,70,66,400 0 0 3,70,66,400 3,18,41,028 3,70,66,400 0
16 0 0 0 0 0 0 5,05,681 1,87,289 1,24,735 6,92,970 0 3,77,16,514 0 0 3,77,16,514 3,18,41,028 3,77,16,514 0
17 0 0 0 0 0 0 5,14,550 1,90,574 1,26,922 7,05,124 0 3,83,78,030 0 0 3,83,78,030 3,18,41,028 3,83,78,030 0
18 0 0 0 0 0 0 5,23,575 1,93,917 1,29,148 7,17,492 0 3,90,51,149 0 0 3,90,51,149 3,18,41,028 3,90,51,149 0
19 0 0 0 0 0 0 5,32,758 1,97,318 1,31,414 7,30,076 0 3,97,36,073 0 0 3,97,36,073 3,18,41,028 3,97,36,073 0
20 0 0 0 0 0 0 5,42,102 2,00,778 1,33,718 7,42,880 0 4,04,33,011 0 0 4,04,33,011 3,18,41,028 4,04,33,011 0
21 0 0 0 0 0 0 5,51,610 2,04,300 1,36,064 7,55,910 0 4,11,42,172 0 0 4,11,42,172 3,18,41,028 4,11,42,172 0
22 0 0 0 0 0 0 5,61,285 2,07,883 1,38,450 7,69,168 0 4,18,63,771 0 0 4,18,63,771 3,18,41,028 4,18,63,771 0
23 0 0 0 0 0 0 5,71,129 2,11,529 1,40,878 7,82,658 0 4,25,98,027 0 0 4,25,98,027 3,18,41,028 4,25,98,027 0
24 0 0 0 0 0 0 5,81,146 2,15,239 1,43,349 7,96,385 0 4,33,45,161 0 0 4,33,45,161 3,18,41,028 4,33,45,161 0
25 0 0 0 0 0 0 5,91,339 2,19,014 1,45,864 8,10,353 0 4,41,05,399 3,57,83,251 4,41,05,399 4,41,05,399 3,18,41,028 4,41,05,399 0
Life Annuity payable (per annum) using illustrative annuity rates based on an interest rate of 4% per annum :
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. The Fund Management C harge 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.

Investment guarantee charge

The investment guarantee charge, if applicable, is levied as a percentage of the value of the assets and deducted at the time of computation of daily unit prices. This charge is based on the cost of the guarantee offered.

IMPORTANT NOTES:

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE INTEREST RATES OF 4% & 8% ARE ONLY FOR ILLUSTRATION PURPOSE.

This illustration has been produced by HDFC Standard Life Insurance C ompany Limited to help you understand the benefits of your HDFC Life C lick 2 Retire. This must be read in conjunction with the sales
literature, which describes the features of this product.
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 previous page. If your policy offers variable returns then the illustrations on previous 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 illustrated benefits are applicable for a standard life provided all premiums are paid when due and no withdrawals are made.
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.
"Premium Allocation C harge Rates", "Investment Guarantee C harge Rates" and "Risk Benefit C harge 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.
C lawback 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.
All the Assured Benefits are available provided all premiums are paid, when they are due.
Tax Benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time.
The net yield stated above excludes Risk charges, Investment Guarantee C harge (if applicable), taxes and levies as applicable, as required by IRDAI.
On Vesting and Surrender, you may be required by legislation to use all or part of your Total Benefit to purchase an annuity from us. We have assumed you have chosen to use 100% of your Total Vesting Benefit
to buy an annuity.
Taxes and levies as applicable will be charged and are payable by you by any method including by levy of an additional monetary amount in addition to premium and or charges.
The annuity amounts above would be payable as long as the Life Assured is still alive. The Annuity amount is not guaranteed and will depend on the annuity rate available at the time of vesting in the future. No
other benefit would be payable.

"I ALSO UNDERSTAND THAT WHILST 100% OF MY FIRST YEAR PREMIUM WILL BE INVESTED IN UNIT LINKED INVESTMENT FUNDS THERE ARE CHARGES DURING THE FIRST POLICY YEAR AS GIVEN IN
THE BENEFIT ILLUSTRATION".

Financial Consultants Signature: Policyholders Signature:

Financial Consultants Nam e: Date:
Financial Consultants Code: Place:
Business Developm ent Managers Nam e:

Marketing Officials Signature:

Com panys Seal:

Channel Name :