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) 15 10 Annual 300000 30378 939 31317 Shipra ghosh 10-Dec-1961 50 Female 02-Jun-2012

Waiver of Premium Option

Antara ghosh 04-Aug-2001 10 Female

Guaranteed Benefits (in Rs) Policy Year Annualised Service Premium Tax (in Rs) (in Rs) (boy) (boy)

Projected Guaranteed Benefit @ 6% (in Rs.)

Projected Guaranteed Benefit @ 10% (in Rs) Special Surrender Value 5 (eoy) 0 24302 50887 76560 106434 148608 189991 238598 294430 358104 393192 328176 256968 179568 93912

Total Payment Minimum Additional Guaranteed (in Rs) Sum Insured Annual Annual Annual (boy) Payout Payout Payout (eoy) (eoy) (eoy) 31317 30847 30847 30847 30847 30847 30847 30847 30847 30847 300000 300000 300000 300000 300000 300000 300000 300000 300000 300000 300000 240000 180000 120000 60000 60000 60000 60000 60000 60000 15600 15600 15600 15600 15600 75600 75600 75600 75600 75600

Death Benefit

Special Additional Guaranteed Surrender Annual Annual Value 5 Payout Payout (eoy) (eoy) (eoy) 0 15139 35818 54480 76212 108864 139180 174787 215687 262332 288036 240408 188244 131544 68796 43200 43200 43200 43200 43200 103200 103200 103200 103200 103200

Death Benefit

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

30378 30378 30378 30378 30378 30378 30378 30378 30378 30378

939 469 469 469 469 469 469 469 469 469

307800 315600 323400 331200 339000 346800 354600 362400 370200 378000 378000 302400 226800 151200 75600

321600 343200 364800 386400 408000 429600 451200 472800 494400 516000 516000 412800 309600 206400 103200

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)The premiums you pay are eligible for deduction from your income up to a limit of Rs. 100,000 per year under Sec 80C of the Income Tax Act, 1961, and the benefits you receive may qualify for tax exemption under Sec 10 (10D) of the Income Tax Act, 1961. 10)The Finance Bill, 2012 has proposed that Deduction from income under Sec 80C of Income Tax Act 1961, for premiums payable on life insurance policies shall be available only to the extent of 10% of the Sum Insured. Exemption under Sec 10 (10D) of Income Tax Act 1961, on benefits received under life insurance policies 2012, shall be available only if the premium payable in any of the years is not more than 10% of the Sum Insured. Death benefit is always tax-free under sec 10(10D) of Income Tax Act, 1961. 11)Please note that tax laws may change from time to time. You are always advised to consult your tax advisor for details.

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 2.0/02 Jun 2012 11:26 AM