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 - What if Analysis (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 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 Plan option 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) Guaranteed annual payout option Sanjay bhatt 15-Jul-1976 35 Male 04-Jul-2012 Mahek bhatt 20-Nov-2000 11 Female Average 10 year G-Sec rate in the last 5 2 years Year 2010 2009 2008 2007 2006 Rate 7.86% 7.6% 7.92% 7.78% 7.11%

Lump Sum Cover Option

15 10 Annual 425000 39232 1212 40444 Annual payout option

Guaranteed Benefits (in Rs) Policy Year

Projected Guaranteed Benefit @ 8.91 % (in Rs) Guaranteed Special 6 Annual Death Benefit Surrender Value Payout (eoy) (eoy) 448375 471750 495125 518500 541875 565250 588625 612000 635375 658750 0 29631 64201 96900 134959 189720 242552 304606 375883 457173 501968 418965 328058 229245 119893

Annualised Service Total Payment Premium Tax (in Rs) Additional Minimum Annual (in Rs) (in Rs) (boy) Annual Sum Insured Payout (boy) (boy) Payout (eoy) (eoy) 39232 39232 39232 39232 39232 39232 39232 39232 39232 39232 1212 606 606 606 606 606 606 606 606 606 40444 39838 39838 39838 39838 39838 39838 39838 39838 39838 425000 425000 425000 425000 425000 425000 425000 425000 425000 425000 425000 340000 255000 170000 85000 85000 85000 85000 85000 85000 46750 46750 46750 46750 46750

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

131750 131750 131750 131750 131750

658750 527000 395250 263500 131750

Important Notes 1)The "what if analysis" is for information only. 2)The Average 10 year G-Sec rates are published by FIMMDA. 3)The FIMMDA G-Sec rates are indicative rates and doesn't reflect any trend for the future. 4)The FIMMDA G-Sec rate in future will depend on the prevailing economic conditions and market developments. 5)The plan offers some guaranteed benefits which are marked as "Guaranteed". 6)Special surrender values are not guaranteed and can change from time to time and are applicable if all due premiums have been paid. 7)The premium stated is for a healthy individual and would be subject to underwriting. 8)eoy refers to payment at end of year 9)boy refers to payment at the begining of year 10) 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. 11) 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. 12) 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 the subject matter of the solicitation