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

17-Aug-2011

Plan option

Lump Sum Cover Option

Name of the person to be insured

Abhijeet

Date of birth of the person to be insured

09-May-1980

Age of person to be insured (in years)

31

Gender of the person to be insured

Male

Details of Policy Owner

Name of the policy owner

Abhijeet

Date of birth of the policy owner

09-May-1980

Age of the policy owner (in years)

31

Gender of the policy owner

Male

Plan Details
Policy term (in years)

25

Premium payment period (in years)

15

Premium payment mode

Monthly

Sum insured (in Rs)

10000000

Instalment premium (in Rs)

52137

Service tax and education cess (in Rs)

806

Total installment premium (in Rs)

52943

Guaranteed Benefits
(in Rs)
Policy
Year

Annualised Service
Premium
Tax
(in Rs)
(in Rs)
(boy)
(boy)

Projected Guaranteed Benefit @ 6% (in Rs.)

Total
Payment
Minimum Additional Guaranteed
(in Rs) Sum Insured Annual
Annual
Annual
(boy)
Payout
Payout
Payout
(eoy)
(eoy)
(eoy)

Death
Benefit

Projected Guaranteed Benefit @ 10% (in Rs)

Special
Additional Guaranteed
Surrender
Annual
Annual
Value 5
Payout
Payout
(eoy)
(eoy)
(eoy)

Death
Benefit

Special
Surrender
Value 5
(eoy)

625644

9672

635316

10000000

10370000

10970000

625644

9672

635316

10000000

10740000

11940000

625644

9672

635316

10000000

11110000

367140

12910000

680340

625644

9672

635316

10000000

11480000

664680

13880000

1123080

625644

9672

635316

10000000

11850000

1013650

14850000

1640650

625644

9672

635316

10000000

12220000

1430600

15820000

2258600

625644

9672

635316

10000000

12590000

1844370

16790000

2906970

625644

9672

635316

10000000

12960000

2288020

17760000

3617620

625644

9672

635316

10000000

13330000

2845650

18730000

4492650

10

625644

9672

635316

10000000

13700000

3484000

19700000

5494000

11

625644

9672

635316

10000000

14070000

4195530

20670000

6630930

12

625644

9672

635316

10000000

14440000

5050640

21640000

7973840

13

625644

9672

635316

10000000

14810000

6025460

22610000

9504260

14

625644

9672

635316

10000000

15180000

7124160

23580000

11256960

15

625644

9672

635316

10000000

15550000

8428100

24550000

13306100

16

10000000

1000000

555000

1555000

15550000

9298900

1455000

2455000

24550000

14680900

17

9000000

1000000

555000

1555000

13995000

8708000

1455000

2455000

22095000

13748000

18

8000000

1000000

555000

1555000

12440000

8054900

1455000

2455000

19640000

12716900

19

7000000

1000000

555000

1555000

10885000

7355150

1455000

2455000

17185000

11612150

20

6000000

1000000

555000

1555000

9330000

6593200

1455000

2455000

14730000

10409200

21

5000000

1000000

555000

1555000

7775000

5737950

1455000

2455000

12275000

9058950

22

4000000

1000000

555000

1555000

6220000

4804950

1455000

2455000

9820000

7585950

23

3000000

1000000

555000

1555000

4665000

3778650

1455000

2455000

7365000

5965650

Guaranteed Benefits
(in Rs)
Policy
Year

Annualised Service
Premium
Tax
(in Rs)
(in Rs)
(boy)
(boy)

Projected Guaranteed Benefit @ 6% (in Rs.)

Total
Payment
Minimum Additional Guaranteed
(in Rs) Sum Insured Annual
Annual
Annual
(boy)
Payout
Payout
Payout
(eoy)
(eoy)
(eoy)

Death
Benefit

Projected Guaranteed Benefit @ 10% (in Rs)

Special
Additional Guaranteed
Surrender
Annual
Annual
Value 5
Payout
Payout
(eoy)
(eoy)
(eoy)

Death
Benefit

Special
Surrender
Value 5
(eoy)

24

2000000

1000000

555000

1555000

3110000

2643500

1455000

2455000

4910000

4173500

25

1000000

1000000

555000

1555000

1555000

1383950

1455000

2455000

2455000

2184950

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)Tax benefits under Section 80C and 10(10D) of the Income Tax Act 1961 may be available and are subject to changes in the tax laws. Please consult your tax
advisor for details.
7) Service tax and other levies, as applicable, will be levied from time to time as per the extant laws.
8) (eoy) refers to payment at the end of year.
9) (boy) refers to payment at the begining of year.

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 2.0/17 Aug 2011 11:27 PM