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 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 12-Apr-2013 A 01-Jan-1978 35 Male Average 10 year G-Sec rate in the last 5 years 2 Year 2012 2011 2010 Rate 7.86% 7.8% 7.66% 7.48% 7.27%

Lump Sum Cover Option
25 15 Annual 1000000 58660 1813 60473 Flexible payout option

2009 2008

Guaranteed Benefits (in Rs) Policy Year

Projected Guaranteed Benefit @ 8

% (in Rs)

Projected Guaranteed Benefit @ 8 % (in Rs)

Annualised Service Total Payment Premium Tax (in Rs) Additional (in Rs) (in Rs) (boy) Minimum Annual Annual (boy) (boy) Sum Insured Payout Payout (eoy) (eoy) 58660 58660 58660 58660 58660 58660 58660 58660 58660 58660 58660 58660 58660 58660 58660 1813 906 906 906 906 906 906 906 906 906 906 906 906 906 906 60473 59566 59566 59566 59566 59566 59566 59566 59566 59566 59566 59566 59566 59566 59566 1000000 1000000 1000000 1000000 1000000 1000000 1000000 1000000 1000000 1000000 1000000 1000000 1000000 1000000 1000000 1000000 900000 800000 700000 600000 500000 400000 100000 100000 100000 100000 100000 100000 100000 100500 100500 100500 100500 100500 100500 100500

Guaranteed Special 6 Annual Death Benefit Surrender Value Payout (eoy) (eoy) 1067000 1134000 1201000 1268000 1335000 1402000 1469000 1536000 1603000 1670000 1737000 1804000 1871000 1938000 2005000 200500 200500 200500 200500 200500 200500 200500 2005000 1804500 1604000 1403500 1203000 1002500 802000 0 0 52374 89388 132715 184460 237567 295282 366915 448900 541323 651224 776486 919056 1086710 1198990 1122800 1038590 948365 850120 739845 619545

Accumulation in Interest Bearing Account (eoy)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22

200500 415436 645847 892848 1157633 1441483 1745770

Guaranteed Benefits (in Rs) Policy Year

Projected Guaranteed Benefit @ 8

% (in Rs)

Projected Guaranteed Benefit @ 8 % (in Rs)

Annualised Service Total Payment Premium Tax (in Rs) Additional (in Rs) (in Rs) (boy) Minimum Annual Annual (boy) (boy) Sum Insured Payout Payout (eoy) (eoy) 300000 200000 100000 100000 100000 100000 100500 100500 100500

Guaranteed Special 6 Annual Death Benefit Surrender Value Payout (eoy) (eoy) 200500 200500 200500 601500 401000 200500 487215 340850 178445

Accumulation in Interest Bearing Account (eoy)

23 24 25

2071965 2421647 2796505

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)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 the subject matter of the solicitation