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)

IDBI Federal Incomesurance Endowment and Money Back Plan - Benefit Illustration (Product Unique Identification No - 135N010V01)

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of IDBI Federal Life Insurance Company Limited. 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.

Details of Person to be Insured 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 Details of Policy Owner Name of the policy owner Date of birth of the policy owner Age of the policy owner (in years) Gender of the policy owner Plan Details Policy term (in years) Premium payment period (in years) Premium payment mode Sum insured (in Rs) Instalment premium (in Rs) Service tax and education cess (in Rs) Total installment premium (in Rs) 20 15 Annual 500000 29270 904 30174 Geet 15-May-1993 20 Male 31-Aug-2013

Lump Sum Cover Option

Geet 15-May-1993 20 Male

Guaranteed Benefits (in Rs) Policy Year Annualised Service Tax Total Premium (in Rs) Payment (in Rs) (boy) (in Rs) (boy) (boy) Minimum Annual Payout (eoy)

4 Projected Guaranteed Benefit @ 6% (in Rs.) Additional Guaranteed Annual Annual Payout Death Benefit Payout (eoy) (eoy) 513000 526000 539000 552000 565000 578000 591000 604000 617000 630000 643000 656000 669000 682000 695000 Special Surrender Value 5 (eoy) 0 0 20292 38000 58910 83956 107580 133578 165966 202740 242824 292456 347904 408904 482330 528200 440630 346110 240470 125100

4 Projected Guaranteed Benefit @ 10% (in Rs) Additional Guaranteed Annual Annual Payout Death Benefit Payout (eoy) (eoy) 535500 571000 606500 642000 677500 713000 748500 784000 819500 855000 890500 926000 961500 997000 1032500 106500 106500 106500 106500 106500 206500 206500 206500 206500 206500 1032500 826000 619500 413000 206500 Special Surrender Value 5 (eoy) 0 0 35682 60500 89735 124726 159555 198738 246561 300840 361129 434476 516384 607984 716555 784700 654605 514185 357245 185850

Sum Insured

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

29270 29270 29270 29270 29270 29270 29270 29270 29270 29270 29270 29270 29270 29270 29270

904 452 452 452 452 452 452 452 452 452 452 452 452 452 452

30174 29722 29722 29722 29722 29722 29722 29722 29722 29722 29722 29722 29722 29722 29722

500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 400000 300000 200000 100000 100000 100000 100000 100000 100000 39000 39000 39000 39000 39000 139000 139000 139000 139000 139000

695000 556000 417000 278000 139000

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