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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 Registrat ion No: 135 Website: www.idbifederal.com
Toll-Free : 18001025005 (For non-MTNL subscribers) /1800221120
(for MTNL subscribers)
(Product Unique Identification No - 135N010V01)
Details of Person to be Insured
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
Name of the policy owner
Date of birth of the policy owner
Age of t he policy owner (in years)
Gender of the policy owner
Policy term (in years)
Premium payment period (in years)
Premium payment modeSum insured (in Rs)
Instalment premium (in Rs)
04-Jul-2012
Lump Sum Cover Option
Sanjay bhatt
Female
11
20-Nov-2000
Mahek bhatt
15-Jul-1976
10
Annual425000
39232
35
Male
15
IDBI Federal Incomesurance Endowment and Money Back Plan - What
if Analysis
Date of il lustration Average 10 year G-Sec rate in the last
5
years
Year Rate
2010 7.86%
2009 7.6%
2008 7.92%
2007 7.78%
2006 7.11%
Details of Policy Owner
Plan Details
2
Guaranteed annual payout option Annual payout option
Service tax and education cess (in Rs)
Total installment premium (in Rs)
1212
40444
Some benefits are guaranteed and some benefits are variable with
returns based on the future performance of IDBI Federal Life
Insurance CompanyLimited. 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 dif ferent
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.
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Policy
Year
Annualised
Premium
(in Rs)
(boy)
Guaranteed Benefits (in Rs)
Sum Insured
Minimum Annual
Payout
(eoy)
Projected Guaranteed Benefit @
Additional
Annual
Payout
(eoy)
Special
Surrender Value
(eoy)
Death Benefit
Guaranteed
Annual
Payout
(eoy)
8.91 % (in Rs)
Total Payment
(in Rs)
(boy)
Service
Tax
(in Rs)
(boy)
6
1 39232 425000 448375 01212 40444
2 39232 425000 471750 29631606 39838
3 39232 425000 495125 64201606 39838
4 39232 425000 518500 96900606 39838
5 39232 425000 541875 134959606 39838
6 39232 425000 565250 189720606 39838
7 39232 425000 588625 242552606 39838
8 39232 425000 612000 304606606 39838
9 39232 425000 635375 375883606 39838
10 39232 425000 658750 457173606 39838
11 425000 85000 46750 131750 658750 501968
12 340000 85000 46750 131750 527000 418965
13 255000 85000 46750 131750 395250 328058
14 170000 85000 46750 131750 263500 229245
15 85000 85000 46750 131750 131750 119893
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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 t he 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 t ime 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 t ax laws may change from time to t ime.
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 Registrat ion 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
