HDFC Life New Immediate Annuity plan

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1.

What does the New Immediate

Annuity plan offer you?

2.

Benefits of higher investments in

annuity

3.

Lifetime Annuity with 100%

return of Purchase Price Option

4.

Lifetime Annuity with return of

100% of Purchase Price on

diagnosis of critical illness or death

5.

Lifetime Annuity with return of

Purchase Price in parts

6. Lifetime

Annuity

7.

Joint Life Annuity with 100% ROP

8.

How to get your New Immediate

Annuity Plan with HDFC Life?

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We offer 5 options to fulfill your needs at different stages of life

Enjoy the fruits of your investment

with

HDFC Life New Immediate Annuity plan

It is not important at what age you retire to, but to what income. Annuities offer effective protection against longevity risk, which is the risk of outliving your money. It is is a simple product that for a lump-sum investment provides you bene-fits of guaranteed income stream / pension (known as annuity) post your retirement, for life.

Guaranteed1_{and regular}2_{annuity or pension income as long as you or your}

partner is live

Receiving this income on a monthly , quarterly , half- yearly or yearly basis Leave legacy for your loved ones with Life Annuity with Return of 100% of the purchase price

Wide range of options to cater to your needs Return of purchase price on critical illness Higher annuity rates for large purchase price

Unique features

Lifetime annuity

with ROP in parts Lifetime Annuity _{with ROP on CI or death} Joint Life Annuity _{with 100% ROP}

Ensures life-long income for you

At the end of 7 years, 30% of the purchase price is paid to the on survival

On death of the annuitant after seven years70% of the purchase price will be paid to nominee the annuity payment will cease

On death of the annuitant within 7 years nominee will get 100% of the purchase price the annuity payment will cease

Ensures life-long income for you Upon being diagnosed with any of the 6 specified illnesses before age 85 or on death whichever occurs earlier 100% of the purchase price of the annuity will be paid annuity payments will cease Purchase price will be paid to the nominee in case of death

The purchase price will be paid to you on diagnosis of CI

Ensures life-long income for you and partner till at least one of the two is alive On death, your , partner will receive 100% of original annuity throughout life On death of the partner , the nominee will receive 100% of purchase price and annuity payments will cease

Lifetime annuity Lifetime annuity

with 100% ROP

Ensures life-long income for you Annuity payouts or income will cease only in event of death.

Ensures life-long income for you On death the nominee will get purchase price back.

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Benefit from higher annuity rates by purchasing

annuities for ` 2,50,000 and above

The purchase price bands are as specified below.

Band 1 Band Band 2 Band 3 Band 4 Purchase Price Less than ` 250,000 ` 250,000 to ` 499,999 ` 500,000 to ` 999,999 ` 1,000,000 and Above

Let’s see how much an annual annuity will be for various purchase prices and options

Age 60 65

Annuity option/Indicative Purchase Price 2,00,000 4,00,000 5,00,000 20,00,000 2,00,000 4,00,000 5,00,000 20,00,000

Lifetime Annuity 18,042 36,395 45,494 186,051 19,575 39,422 49,277 200,795

Lifetime annuity with ROP 14,531 29,334 36,667 150,742 14,686 29,605 37,006 151,906

Lifetime annuity with ROP in parts 12,009 24,251 30,313 125,521 12,261 29,605 30,992 151,906

Lifetime annuity with ROP in parts 14,473 29,256 36,570 150,354 14,589 29,605 36,715 1,50,742

Joint Life 14,473 28402 35503 142012 14,453 28,907 36,133 1,44,534

Age 70 75

Annuity option/Indicative Purchase Price 2,00,000 4,00,000 5,00,000 20,00,000 2,00,000 4,00,000 5,00,000 20,00,000

Lifetime Annuity 21,864 43,962 54,952 222,912 24,930 50,092 29644 32205

Lifetime annuity with ROP 14803 29799 37249 152294 14841 29877 29644 32205

Lifetime annuity with ROP in parts 12533 25298 31623 129595 12766 25764 32205 131536

Lifetime annuity with ROP in parts 14686 29605 37006 151130 14744 29644 32205 151130

Joint Life 14667 29334 36667 146668 14822 29644 32205 148220

Use our web based calculator to find out the annuity amount just on a click.

All amounts are in rupees. The above mentioned amounts are for a male life and are exclusive of applicable taxes. Applicable service taxes at the prevalent rates will be levied over and above the purchase price. The annuity amount will depend on the prevailing annuity rates at the time of the purchase of Immediate Annuity Plan

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with

Lifetime Annuity with 100% return of Purchase Price

An income source that is for life –irrespective of interests rates / market performance Flexibility of choosing the payout frequency

On the death of the annuitant, the annuity payments ceases and 100% of the purchase price is paid to the nominee

This is what your returns on investment looks like:

Ensure a lifetime of regular income and more

Annuity is purchased by paying a lumpsum premium Annuitant/Policy holder includes a nominee/s at the time of buying the policy

Annuity once purchased is guaranteed for life

How does this option work?

Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8 Yr 9 Yr 10 Yr 11 Yr 12 Yr 13 Yr 14 Yr 15

GUARANTEED annuity/pension amount is payable for lifetime of the annuitant

Annuitant passes away after 15 years On Annuitant’s death, the Annuity ceases and 100% of the purchase price (net of statutory levies) is paid to the nominee/s

`2,00,000

`4,00,000

`5,00,000

Indicative

Purchase Price

`20,00,000

60 Age 60 Age 60 Age 60 Age ` 14,531 ` 14,686 ` 14,803 ` 14,841 ` 29,334 ` 29,605 ` 29,799 ` 29,877 ` 36,667 ` 37,006 ` 37,249 ` 37,346 ` 150,742 ` 151,906 ` 152,294 ` 1522,94

Unique

features

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This is what your returns on investment looks like:

Tide over medical emergencies, not just normal expenses

with

Lifetime Annuity with return of 100% of Purchase Price on diagnosis of critical

illness or death

t

An income source that is for life payable in arrears –irrespective of interests rates / market performance Upon the annuitant being diagnosed with any of the 6 specified illnesses before age 85 or on death of the annuitant, whichever occurs earlier

100% of the purchase price of the annuity will be paid Annuity payments will cease

The purchase price will be paid to the nominee in case of annuitant’s death The purchase price will be paid to the annuitant on diagnosis of CI

Unique

features

`2,00,000

`4,00,000

`5,00,000

Indicative

Purchase Price

`20,00,000

60 Age 65 Age 70 Age 75 Age ` 14,473 ` 14,589 ` 14,686 ` 14,744 ` 29,256 ` 29,372 ` 29,605 ` 29,644 ` 36,570 ` 13,6715 ` 37,006 ` 37,055 ` 150,354 ` 150,742 ` 151,130 ` 151,130 Annuity is purchased by paying a lumpsum premium Annuitant/Policy holder includes a nominee/s at the time of buying the policy

How does this option work in case of annuitant’s death?

In the 12th year annuitant is diagnosed with one of the specified critical illnesses The Annuity ceases and 100% of the purchase price (net of statutory levies) is paid back to the annuitant Annuity is purchased by paying a lumpsum premium Annuitant/Policy holder includes a nominee/s at the time of buying the policy

How does this option work in case of diagnosis of CI?

Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8 Yr 9 Yr 10 Yr 11

GUARANTEED annuity/pension amount is payable till diagnosis of critical illness

In the 16th year annuitant passes away The Annuity ceases and 100% of the purchase price (net of statutory levies) is paid to the nominee/s Annuitant is diagnosed with one

of the 6 critical illnesses as specified in the product brochure

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This is what your returns on investment looks like:

Unique

features

Take care of your liquidity needs, even while ensuring a regular income

with

Lifetime Annuity with return of Purchase Price in parts

An income source that is for life –irrespective of interests rates / market performance Flexibility of choosing the payout frequency

The annuity will be payable at uniform rate in arrears for the life of the annuitant At the end of 7 years, 30% of the purchase price is paid to the annuitant on survival On death of the annuitant after seven years

70% of the purchase price will be paid to nominee the annuity payment will cease On death of the annuitant within 7 years,

Nominee will get 100% of the purchase price and The annuity payment will cease

`2,00,000

`4,00,000

`5,00,000

Indicative

Purchase Price

`20,00,000

60 Age 65 Age 70 Age 75 Age ` 12,009 ` 12,261 ` 12,533 ` 12,766 ` 24,251 ` 24,794 ` 25,298 ` 25,764 ` 30,313 ` 30,992 ` 31,623 ` 32,205 ` 125,521 ` 127,461 ` 129,595 ` 131,536 Annuity is purchased by paying a lumpsum premium Annuitant/Policy holder includes a nominee/s at the time of buying the policy

Survival & Death Benefit if annuitant lives for more than 7 years

In the 7th year 30% of purchase price is paid to the annuitant The Annuity ceases and 70% of the purchase price (net of statutory levies) is paid to the nominee/s

At the end of 7 years 30% of purchase price net of levies is paid to the annuitant

Annuity is purchased by paying a lumpsum premium Annuitant/Policy holder includes a nominee/s at the time of buying the policy

Death Benefit if annuitant lives for less than than 7 years

Yr 1 Yr 2 Yr 3 Yr 4 Yr 5

Annuitant dies in 6th Year The Annuity ceases and 100% of the purchase price (net of statutory levies) is paid to the nominee/s

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Unique

features

Guarantee a regular additional income by investing in

with

Lifetime Annuity

An income source that is guaranteed for life , irrespective of interests rates / market performance

Flexibility of choosing the payout frequency

`2,00,000

`4,00,000

`5,00,000

Indicative

Purchase Price

`20,00,000

60 Age 65 Age 70 Age 75 Age ` 18,042 ` 19,575 ` 21,864 ` 24,930 ` 36,395 ` 39,422 ` 43,962 ` 50,092 ` 45,494 ` 49,277 ` 54,952 ` 62,615 ` 186,051 ` 200,795 ` 222,912 ` 253,177 Annuity is purchased by paying a lumpsum premium Annuity once purchased is guaranteed for life

Annuitant passes away after 15 years On Annuitant’s death, the Annuity ceases and no further benefit is payable

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Guarantee regular income for you and your dependents

with

Joint Life Annuity with 100% ROP

An income source that is for life payable in arrears –irrespective of interests rates / market performance Flexibility of choosing the payout frequency

The annuity will be payable at a uniform rate in arrears so long as at least one of the two annuitants is alive. On the death of the 1st annuitant, 2nd annuitant will receive 100% of original annuity throughout life On death of the last survivor, the annuity payments will cease and 100% of purchase price is paid to the nominee

`2,00,000

`4,00,000

`5,00,000

Indicative

Purchase Price

`20,00,000

60 Age 65 Age 70 Age 75 Age ` 14,279 ` 14,531 ` 14,744 ` 14,900 ` 28,558 ` 29,062 ` 29,489 ` 29,799 ` 35,697 ` 36,327 ` 36,861 ` 37,249 ` 142,788 ` 145,310 ` 147,444 ` 148,996

Primary annuitant passes away Same annuity amount continues for secondary annuitant Annuity is purchased by paying a lumpsum premium Annuitant/Policy holder includes a nominee/s at the time of buying the policy

Annuitant passes away after 15 years On Annuitant’s death, the Annuity ceases and 100% of the purchase price (net of statutory levies) is paid to the nominee/s

Secondary annuitant starts receiving the sameannuity amount after primary annuitant’s demise

Unique

features

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1 _{Annuity payout is fixed as agreed to by customer during policy purchase}

2_{Annuity payout is regular as per the frequency chosen by the customer}

HDFC Standard Life Insurance Company Limited. In partnership with Standard Life Insurance Company Limited.

PAN is mandatory for total annualized premium under all insurance proposals, aggregated at the customer level, equal to or above Rs. 50000/-. In absence of PAN other relevant option as per specification will apply- Form 60/61. The method to pay your premium towards the proposal/policy of HDFC Life you wish to take shall be shared to you by your Financial Consultant/Broker. Please get in touch with them for the same

This document has no monetary value at any time and is not a proof of any contract with HDFC Standard Life Insurance Company Limited. For more details on risk factors, terms and conditions and exclusions please read sales brochure carefully before concluding a sale. HDFC Standard Life Insurance Company Limited is the name of our insurance company CIN no: U99999MH2000PLC128245 and HDFC Life New Immediate Annuity Plan (Form No: P-501-108 UIN 101N084V01) is the name of the plan. This plan is a traditional plan. The name of our brand, company and the name of our plan do not, in any way, indicate the quality of the plan, its future prospects or returns. Service tax and other levies will be applicable as per prevailing tax laws. HDFC Standard Life Insurance Company Limited. Insurance is the subject matter of the solicitation. ARN PP/09/2014/5348

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•

IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.

•

IRDA does not announce any bonus.IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

What are the documents you need?

Age Proof: Birth Certificate/ Permanent Driving License/ PAN Card/ School Certificate.

Address Proof: Telephone/ Electricity/ Credit Card/ Water Tax Bill (all not over 3 months old)/ Lease

Agree-ment/ Gas Connection Card or Letter/ Bank Statement (not over 1 month old)/ Passport/ Permanent Driving

License/ Ration Card.

Income Proof: ITR Form 16 (not over 3 years old)/ Salary Slip (not over 3 months old). Please contact your

sales representative for more details in this aspect.

Identity Proof: PAN Card/ Voter ID Card/ Permanent Driving License/ Passport/ Ration Card with Photo.

One Photograph

One cancelled cheque

The above mentioned list is only illustrative and not exhaustive.

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