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IDBI Federal Life Insurance Company Limited

Registered Office: 1st Floor Trade View, Oasis Complex, Kamala city, P.B. Marg, Lower parel (W), Mumbai - 400013, India

IRDA Registration No: 135 Website: www.idbifederal.com

Toll-Free : 18001025005 (For non-MTNL subscribers) /1800221120 (for MTNL subscribers)

(Product Unique Identification No - 135N010V01)

Date of illustration

Plan option

Name of the person to be insured

Date of birth of the person to be insured

Age of person to be insured (in years)

Gender of the person to be insured

Name of the policy owner

Date of birth of the policy owner

Age of the policy owner (in years)

Gender of the policy owner

Policy term (in years)

Premium payment period (in years)

Premium payment mode

Sum insured (in Rs)

Instalment premium (in Rs)

31-Aug-2013

Lump Sum Cover Option

Geet

Male

20

15-May-1993

Geet

15-May-1993

15

Annual

500000

29270

20

Male

20

IDBI Federal Incomesurance Endowment and Money Back Plan - Benefit Illustration

Details of Person to be Insured

Plan Details

Details of Policy Owner

Service tax and education cess (in Rs)

Total installment premium (in Rs)

904

30174

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of IDBI Federal Life Insurance CompanyLimited. If your policy offers guaranteed returns then these will be clearly marked guaranteed in the illustration shown below. If your policy offers

variable returns then the illustration will show two different rates of assumed future investment returns. These assumed rates of return are not

guaranteed and they are not the 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.

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Policy Year

Annualised

Premium

(in Rs)

(boy)

Guaranteed Benefits

(in Rs)

Sum Insured

Minimum

Annual

Payout

(eoy)

Projected Guaranteed Benefit @ 6% ( in Rs.)

Additional

Annual

Payout

(eoy)

Special

Surrender

Value

(eoy)

Projected Guaranteed Benefit @ 10% (in Rs)

Death Benefit

Guaranteed

Annual Payout

(eoy)

Special

Surrender

Value

(eoy)

Death Benefit

Guaranteed

Annual Payout

(eoy)

Additional

Annual

Payout

(eoy)

Service Tax

(in Rs)

(boy)

Total

Payment

(in Rs)

(boy) 55

4 4

1 29270 500000 513000 0 535500 0904 30174

2 29270 500000 526000 0 571000 0452 29722

3 29270 500000 539000 20292 606500 35682452 29722

4 29270 500000 552000 38000 642000 60500452 29722

5 29270 500000 565000 58910 677500 89735452 29722

6 29270 500000 578000 83956 713000 124726452 29722

7 29270 500000 591000 107580 748500 159555452 29722

8 29270 500000 604000 133578 784000 198738452 29722

9 29270 500000 617000 165966 819500 246561452 29722

10 29270 500000 630000 202740 855000 300840452 29722

11 29270 500000 643000 242824 890500 361129452 29722

12 29270 500000 656000 292456 926000 434476452 29722

13 29270 500000 669000 347904 961500 516384452 29722

14 29270 500000 682000 408904 997000 607984452 29722

15 29270 500000 695000 482330 1032500 716555452 29722

16 500000 100000 39000 139000 695000 528200 106500 206500 1032500 784700

17 400000 100000 39000 139000 556000 440630 106500 206500 826000 654605

18 300000 100000 39000 139000 417000 346110 106500 206500 619500 514185

19 200000 100000 39000 139000 278000 240470 106500 206500 413000 357245

20 100000 100000 39000 139000 139000 125100 106500 206500 206500 185850

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Important Notes

1) Please read this illustration in conjunction with the policy pack.

2) The premium stated is for a healthy individual and would be subject to underwriting.

3) The plan offers some guaranteed benefits which are marked as "Guaranteed".

4) The benefits are guaranteed provided the 10-year Government of India securities rate is 6% or 10% throughout the premium payment period.

5) Special surrender values are not guaranteed and can change from time to time and are applicable if all due premiums have been paid.

6) Service tax and other levies, as applicable, will be levied from time to time as per the extant laws.

7) (eoy) refers to payment at the end of year.

8) (boy) refers to payment at the begining of year.9) Tax Benefits

A. For premiums paid

Under Section 80C of the Income Tax Act, 1961, the premiums you pay towards your policy are eligible for deduction from your income to the extent

of 10% of the actual capital sum assured*, subject to a limit of Rs. 1,00,000 per year.

B. For benefits received

Under Section 10(10D) of the Income Tax Act, 1961, the benefits you will receive under your policy will qualify for tax exemption, provided the

premiums payable in any of the years during the policy term do not exceed 10% of the actual capital sum assured*. In case this condition is not

fulfilled, the benefits you will receive will be subject to tax. However, the death benefit is tax-free under Section 10 (10D) of the Income Tax Act, 1961.

You are advised to consult your tax advisor for details. Please note that tax laws may change from time to time, and tax benefits applicable will be as

per prevailing tax laws.

*Actual Capital Sum Assured:

It is the minimum amount assured under the policy on death at any time during the term of the policy, not taking into account the value of any

premium agreed to be returned or any benefit by way of bonus or otherwise which is to be received by any person under the policy over and above

the sum actually assured.

IDBI Federal Life Insurance Co Ltd

Registered Office: 1st Floor Trade View, Oasis Complex, Kamala city, P.B. Marg, Lower parel (W),

Mumbai - 400013, India

IRDA Registration No: 135

Toll-free number: 1800-102-5005 (for non-MTNL subscribers)/ 1800-22-1120 (for MTNL subscribers)

Insurance is a subject matter of solicitation

IFLI/BI/Incomesurance Endowment And Money Back Plan/Version 2.0/31 Aug 2013 06:57 PM