About IDBI Federal Life Insurance IDBI Federal Life Insurance Co Ltd is a joint-venture of IDBI Bank, Indias premier

development and commercial bank, Federal Bank, one of Indias leading private sector banks and Ageas, a multinational insurance giant based out of Europe. In this venture, IDBI Bank owns 48% equity while Federal Bank and Ageas own 26% equity each. At IDBI Federal, we endeavor to deliver products that provide value and convenience to the customer. Through a continuous process of innovation in product and service delivery we intend to deliver world-class wealth management, protection and retirement solutions to Indian customers. Having started in March 2008, in just five months of inception we became one of the fastest growing new insurance companies to garner Rs 100 Cr in premiums. The company offers its services through a vast nationwide network across the branches of IDBI Bank and Federal Bank in addition to a sizeable network of advisors and partners. As on April 30th 2011, the company has issued over 2.94 lakh policies with over Rs 16, 499 Cr in Sum Assured About the sponsors of IDBI Federal Life Insurance Co Ltd IDBI Bank Ltd. continues to be, since its inception, Indias premier industrial development bank. Created in 1956 to support Indias industrial backbone, IDBI Bank has since evolved into a powerhouse of industrial and retail finance. Today, it is amongst Indias foremost commercial banks, with a wide range of innovative products and services, serving retail and corporate customers in all corners of the country from 841 branches and 1387 ATMs. The Bank offers its customers an extensive range of diversified services including project financing, term lending, working capital facilities, lease finance, venture capital, loan syndication, corporate advisory services and legal and technical advisory services to its corporate clients as well as mortgages and personal loans to its retail clients. As part of its development activities, IDBI Bank has been instrumental in sponsoring the development of key institutions involved in Indias financial sector National Stock Exchange of India Limited (NSE) and National Securities Depository Ltd, SHCIL (Stock Holding Corporation of India Ltd), CARE (Credit Analysis and Research Ltd). Please visit www.idbibank.com to know more. Federal Bank is one of Indias leading private sector banks, with a dominant presence in the state of Kerala. It has a strong network of over 744 branches and 810 ATMs spread across India. The bank provides over four million retail customers with a wide variety of financial products. Federal Bank is one of the first large Indian banks to have an entirely automated and interconnected branch network. In addition to interconnected branches and ATMs, the Bank has a wide range of services like Internet Banking, Mobile Banking, Tele Banking, Any Where Banking, debit cards, online bill payment and call centre facilities to offer round the clock banking convenience to its customers. The Bank has been a pioneer in providing innovative technological solutions to its customers and the Bank has won several awards and recommendations. Please visit www.federalbank.co.in to know more. Ageas is an international insurance company with a heritage spanning more than 180 years. Ranked among the top 20 insurance companies in Europe, Ageas has chosen to concentrate its

business activities in Europe and Asia, which together make up the largest share of the global insurance market. These are grouped around four segments: Belgium, United Kingdom, Continental Europe and Asia and served through a combination of wholly owned subsidiaries and partnerships with strong financial institutions and key distributors around the world. Ageas operates successful partnerships in Belgium, UK, Luxembourg, Italy, Portugal, China, Malaysia, India and Thailand and has subsidiaries in France, Germany, Hong Kong and UK. It is the market leader in Belgium for individual life and employee benefits, as well as a leading non-life player, through AG Insurance, and in the UK, it has a strong presence as the second largest player in private car insurance and the over 50s market. It employs more than 13,000 people and has annual inflows of almost EUR 18 billion. At IDBI Federal, we think differently about insurance. We have set out to create products that help realise your unique dreams and aspirations, by drawing upon the power of insurance. Our line of products combines wealth creation and insurance protection into one powerful financial solution. Wealthsurance, our flagship product, allows you to build wealth with planned as well as flexible savings along with a choice of investment options. What is more, once you sign up, Wealthsurance Plans can ensure that your financial goals are achieved even if there were unforeseen crises such as death, accident, disablement or serious illness. The Wealthsurance Milestone Plan has a truly versatile range of benefits. Let me highlight a few key concepts. Wealthsurance is a comprehensive investment solution Wealthsurance is designed to be an investment solution. It offers a full range of investment choices similar in features to those you are already familiar with such as bank deposits, bonds, post office schemes or mutual funds. The investment options are designed to meet the needs of all types of investors, whether cautious or risk-taking. So whenever you are looking to make an investment, think about investing in Wealthsurance. Wealthsurance is a wealth-management account Wealthsurance is indeed a wealth-management solution. You can make a single investment or regular contributions. You can even manage most of your financial savings in it by choosing an appropriate mix of investment options. Think about the convenience of managing your entire portfolio in a single account and watch your wealth grow over time. Wealthsurance is for those who will live Life insurance is sometimes thought of as for those who might die, but Wealthsurance is for those who will live. While it provides benefits upon death, Wealthsurance is also designed to offer a whole package of living benefits. You can get benefits on terminal illness, major diseases, hospitalisation and disablement so you are well cared for in the event of a health crisis or accident. Wealthsurance is a tax-free wealth-builder account In Wealthsurance, you can build wealth free of income tax. Not only do you get tax benefits on your contributions, but all the returns you earn on your investments and the benefits you receive are tax-free. You can also switch amongst investment options without incidence of any tax. In

essence,

Wealthsurance

is

tax-free

wealth

management

account.

Wealthsurance is a long-term plan with short-term liquidity Wealthsurance allows you to build wealth over the long-term, but it also gives you the ability to withdraw your money when needed, after completion of three years from the commencement of the plan. With Wealthsurance you can achieve medium as well as long-term financial goals. Wealthsurance meets your changing needs Wealthsurance is designed to meet your investment and insurance needs even as they change over time. You may not need another plan because you will be able to increase, decrease or manage the wealth-building and insurance benefits as you desire. Wealthsurance is different from traditional insurance Wealthsurance is not like traditional life insurance you might know. It is an investment plan focused on wealth creation and living benefits. Sometimes people think that they only need a limited amount of life insurance. But as long as you have financial goals and you wish to build and manage wealth, or desire living benefits in your own lifetime, you will find Wealthsurance useful. Wealthsurance has as many options as you need Wealthsurance gives you multiple options because we want to meet your specific needs. At the same time we have made it easy for you to choose by developing Ready Plans to meet the typical needs of customers. Quite likely there is a Ready Plan that meets your needs. But if you wish, you can build a Custom Plan to suit your own circumstances. Contact us to get your Wealthsurance Plan today I invite you to please spend a little time in browsing through the Wealthsurance section on this website. I am sure that you will appreciate its flexibility and benefits. Please contact us and our representative will visit you to assist in making your Wealthsurance Plan. Get your Plan today and benefit from the great possibilities Wealthsurance offers.

IDBI Federal Wealthsurance Milestone Plan The combined knowledge of our partners customer base of over 9 million, and the combined expertise in the insurance business allowed us to look at the category in a different way. Customers are often left perplexed by the various insurance options, insurance plus investment options, insurance riders and the multitude of other complicated terminologies that hit them every day. This is apparent in the way customers buy insurance - as an investment. So we decided to design one product that can have the flexibility to incorporate within itself, all the possible investments and insurance combinations. We realised that, to reach long-term financial goals, one needs to have a balanced investment plan. If this plan continues to work, the power of compounding can ensure that one would logically reach their goals. Simple, isnt it? Unfortunately, life is uncertain and any plan is incomplete without being prepared for uncertainties. Be it your changing risk appetite or a major illness or accident that poses a sudden

financial demand that could force one to break this plan. One break in a continuous investment plan can heavily dent your investment objectives. This very insight forms the basis of our product. Presenting an insured wealth plan. A plan that not only allows the policyholder to invest according to their changing risk appetite; it also provides a host of insurance benefits to protect them against uncertainties, so that they dont have to break their investment to meet sudden financial demands and their money can keep compounding. The Wealthsurance Milestone Plan enables the policyholder to save and build wealth to meet their financial goals. This Plan comes with a wide range of 13 investment options and 7 insurance benefits - all packaged with a low charge structure and unmatched flexibility. Moreover, get tax benefits on investment and returns under Sec 80C and Sec 10(10D).

Wealthsurance
IDBI Federal Wealthsurance Premier Insurance Plan

IDBI Federal Wealthsurance Premier Insurance Plan is a single premium ULIP plan, which is designed keeping in mind specific requirements of high net-worth individuals. The objective of the plan is to facilitate growth of your wealth under the protective cover of insurance. The plan has low and level charges and for premiums above Rs 25 lacs there is no policy administration charge and no premium allocation charge. HNI's can choose the policy term as per their need. The minimum policy term is 5 years and maximum policy term is 75 years (less age at entry).

IDBI Federal RetiresuranceGuaranteed Pension Plan

IDBI Federal Retiresurance Guaranteed Pension Plan is a non participating traditional deferred pension plan designed to help customers secure their lifestyle post-retirement, Guaranteed. The plan offers long term guaranteed* return of up to 25 years linked to G sec rates, for those who don't want to take any chances with money saved for their retirement. In addition to this customer will get guaranteed loyalty additions on maturity as a reward for long term commitment. This makes their retirement planning safer combined with a guaranteed growth.

IDBI Federal Retiresurance Milestone Pension Plan

IDBI Federal Retiresurance Milestone Pension Plan is a single premium, Unit Linked Deferred Pension Plan which is designed to deliver assured returns for a specific term. Retiresurance Milestone Pension Plan is an effective instrument that will help you manage your funds for your retirement and achieve your objective. It not only allows you to conveniently save for the golden years, but also offers you a choice of investment options to grow your wealth. The IDBI Federal Retiresurance Milestone Pension Plan can thus be your ideal investment partner in ensuring a happy retirement.

Incomesurance
IDBI Federal Incomesurance Endowment & Money Back Plan

IDBI Federal Incomesurance Endowment & MoneyBack Plan is a unique combination of the oldest type of insurance policies. On purchasing a typical endowment plan, it is difficult to know the final maturity amount at the time of investing. Also, the maturity date is usually fixed and therefore, if your goals shifted, like getting your daughter married earlier, your plan would not provide the required flexibility. Knowing the customer helped us to combine the Endowment & Money Back plans into a single plan that would allow you to withdraw at maturity but also take your money back at intervals. This way, you can now have the flexibility to tailor your investment to your lifes goals. To add, we linked the returns to the G-Sec rates, transparently declared by the government. This way, you would know the exact amount on maturity at the time of investing. So you could invest according to the desired corpus you intended to build. The

Premium is eligible for tax deduction under Sec 80C. Also, the Guaranteed Annual Payout and other benefits upon death are tax-free under Sec 10(10D).

Bondsurance
IDBI Federal Bondsurance Plan

Given the ever-changing market conditions, a certain segment of customers prefer to invest their money in guaranteed return products. Bondsurance is designed for customers looking for guaranteed returns which will not get affected by financial market conditions. It offers guaranteed return on investment along with life insurance cover. Investment in the Plan is eligible for deduction under Sec 80C of the Income Tax Act and the maturity amount is tax-free under Sec 10(10D) of the Income Tax Act.

Bondsurance
IDBI Federal Bondsurance Advantage Plan

The IDBI Federal Bondsurance Advantage Plan is a single premium plan where you need to make just a one-time investment. You can choose a Maturity Period of 5, 7, 10, 15 or 20 years. At the end of the chosen period, you will receive a guaranteed maturity amount. In case of death of the insured person before the Maturity Date, a guaranteed* Death Benefit will be paid.

Homesurance
IDBI Federal Homesurance Protection Plan

Homesurance Protection Plan is a mortgage reducing term insurance plan that secures the policyholder, irrespective of interest fluctuations at a nominal cost with high benefits. IDBI Federal Homesurance Protection Plan provides full insurance cover for properties even under construction, thus ensuring that the beneficiary gets the full sanctioned amount in case of any unfortunate event. It also has an innovative fixed period cover for those who would aim to prepay their loans early and would find a cover for the full term a waste.

Healthsurance
IDBI Federal Healthsurance Hospitalisation and Surgical Plan

Every year, millions of adults in India are admitted to hospitals due to illness or injury. With the sharp rise in lifestyle diseases in the country, hospitalization has now become a real chance for most of us. Yet, when you bring up hospitalization, "It wont happen to me!" is the typical response from people at large. It is this insight that helped us create IDBI Federal Healthsurance Hospitalisation and Surgical Plan. This new insurance plan offers a host of

features and benefits that are designed to help you manage the extra financial burden that comes with hospitalisation

Termsurance
IDBI Federal Termsurance Protection Plan

A term plan is a term plan, thats how this product has been seen.We realized, different people have different needs for insurance. Some look for a large cover option at a low cost, while others seek return of premium on maturity of the policy. There are some who may want their plan to keep in touch with inflation, while others may seek flexible premium payment options. IDBI Federal Termsurance Protection Plan is not a typical term insurance plan, that gives you a cover for the premium, it is innovatively designed to deliver more value to the customers who are looking for a flexible protection plan and a large insurance cover at an affordable cost. The plan offers a Level Paying Term, like a usual term plan. In addition it also offers a Return of Premium so you can get the premiums paid, back on maturity. Thats not all, we understood that by the time an insurance policy matures, inflation and rising costs can make the cover inadequate. IDBI Federal Termsurance Protection Plan offers the unique Increasing Cover option that automatically increases the cover every year without increasing the premium. This way, your sum assured keeps increasing just like rising costs and inflation, keeping you adequately covered till maturity. The Premium is eligible for tax deduction under Sec 80C.

Termsurance
IDBI Federal Termsurance Grameen Bachat Yojana

IDBI Federal Termsurance Grameen Bachat Yojana is a low-cost risk protection plan targeted at the rural population. It is an ideal plan to protect family members in the event of unfortunate demise of the major income earner and also to save for specific events like repayment of loan, daughter's marriage or child's education. The plan offers life cover at a nominal cost along with the option of refund of premiums paid by you at maturity. This product has got a very unique mix of options that allow the customers to receive either of 0%, 50%, 90% or 100% return of premium. The coverage terms offered are 3 years, 5 years & 10 years. The customer has the flexibility of get the sum assured ranging from Rs. 5,000 to Rs. 1,00,000 in the multiples of Rs. 1,000.

Termsurance
IDBI Federal Termsurance Grameen Suraksha Plan

IDBI Federal Termsurance Grameen Suraksha is a low-cost, simple term individual insurance plan targeted at the rural population. It is an ideal plan to protect the policyholders family members in the event of unfortunate demise of the major income earner.

Termsurance
IDBI Federal Termsurance Group Life Plan

The IDBI Federal Termsurance Group Life Plan is a pure term plan designed to cater to a wide variety of formal and informal groups such as the Employer-Employee groups, bank depositor/customers groups, customer-supplier groups, professional and affinity groups. It is a group term insurance plan that provides basic life insurance protection to the members of the plan.

Termsurance
IDBI Federal Termsurance Seniors Insurance Plan

A 'no questions asked' whole life protection plan that protects your loved ones after you. This plan is designed to offer people over the age of 50, a whole life cover with guaranteed acceptance. In other words, we will never say no, no matter what your health condition. One can enroll up to the age of 85 years. The plan offers you life cover without the hassles of going through medical tests and disclosures of medical reports. Also, the premiums will never increase and you can also enjoy tax benefits u/s 80C and 10(10D).

Microsurance
IDBI Federal Group Microsurance Plan

Microfinance is recognised globally as the foremost tool in pulling large numbers of poor households from the grip of poverty. Micro-insurance in particular is an explicit need and desire of poor households as it offers some protection from their intense vulnerability to external shocks. IDBI Federal Microsurance Plan is a one of its kind insurance plan which can be very useful for various Micro Financial Institutions and NGOs, wherein not only the members but even the members family gets an insurance cover.

Loansurance
IDBI Federal Loansurance Group Life Plan

With the growing number of loans taken in the country, it is important to provide the borrowers family with security. This insight has led to the product, IDBI Federal Loansurance Group Life Plan, a cost-effective way to ensure that the outstanding debt is settled in the unfortunate event of death of the borrower. This term assurance plan provides cover to a person directly liable for loan repayment (and the partners, in case of a partnership).