Cover that cares about your loved ones. IDBI Federal Termsurance Life Protection Insurance Plan is a non-linked non-participating Term Insurance Plan

Cover that cares about your loved ones. IDBI Federal Termsurance Life Protection Insurance Plan is a non-linked non-participating Term Insurance Plan

Happiness and security for our family is something all of us strive to achieve. However there are times when you ask yourself - what if something were to happen to me? What would happen to my loved ones? Have I secured my family financially so that they don t have to face life s burdens? Introducing IDBI Federal Termsurance Life Protection Insurance Plan** A term insurance plan that allows you the flexibility to choose the type of cover most suited to you. Different people have different needs and seek different things from an insurance plan. Some look for a large cover option at a low cost, while others seek return of premium on maturity of the policy. Termsurance is designed with a host of benefits and options aimed at satisfying your every need. Convenient insurance coverage options, flexible premium payment terms, choice of policy term and lots more. It also allows you to customise a plan as per your individual and your family s needs and objectives, thus offering you a truly flexible protection plan. **Hereinafter referred to as Termsurance 1

What is the eligibility for the plan? Age at entry (last birthday) Min 18 years Max 60 years Age at maturity (last birthday) Max 70 years Sum Assured Min Rs.5,00,000/- Max No limit, subject to underwriting Policy Term Premium Payment Term 10 to 30 years Single Premium Regular Premium: same as policy term Premium Payment Modes Annual, Half-yearly, Quarterly and Monthly 1 Multiple cover options give you tailor-made protection Choose the amount and type of insurance protection you need A1 Pure Protection Option - Large cover, low cost Insurance can help ease your worries. Termsurance plan provides valuable income protection benefit in case of an untimely death of the major bread earner in the family. The insurance benefit received by the family, provides the much needed financial assistance to continue with life. Also, it helps fulfill the wishes and aspirations of the surviving family members. This option is perfect for people who are looking for a large insurance cover whilst paying a low premium amount The sum assured remains constant for the policy period Can be used to protect your family against future financial problems in case of your untimely demise 2

A Pure Protection Option (contd...) How This Works Premium Payment In the unfortunate event of death, the death benefit is paid to the beneficiary and the policy terminates Level Sum Assured Policy Term You have the option to pay either a single premium or regular premiums for the term chosen. The table below provides indicative premiums for various age-term combinations for a sum assured of Rs.10 lacs for a regular premium policy. Regular Premium Payments Death Benefit Under this option, in case of death of the insured person during the term of the policy, the death benefit is paid to the beneficiary and the policy is terminated. The death benefit is as defined on page 5. Age Term of the policy 10 yrs 15 yrs 20 yrs 25 yrs 30 years 2,300 2,480 2,840 3,380 35 years 2,820 3,260 3,920 4,690 40 years 3,930 4,740 5,690 6,720 Each premium indicated is the annual premium for a healthy adult male excluding service tax and education cess. The exact premium to be paid may vary as a result of underwriting, and applicable service tax and education cess shall be charged additionally. Maturity Benefit There are no maturity benefits. Hence on survival, at maturity the policy will terminate. 3

1B Return of Premium on Maturity Option Get your money back after you have enjoyed a cover Termsurance also offers you the choice to get back all the premiums paid during the term. This option is meant to provide 2 key benefits: Insurance cover with the level sum assured for the policy term Return of premiums in case you outlive the policy term. That s as good as getting a free insurance cover. How This Works Maturity Benefit In the unfortunate event of death, the sum assured is paid to the beneficiary and the policy terminates On survival till maturity, we will return all basic premiums paid excluding any extra premiums paid and service tax, if any and terminate the policy. Premium Payments Level Sum Assured Policy Term At maturity on survival, all premiums (excluding extra premiums and service tax) paid are returned Premium Payment You have the option to pay either a single premium or regular premium for the term chosen. The table below provides indicative premiums for various age-term combinations for a sum assured of Rs.10 lacs for a regular premium policy. Death Benefit Under this option, in case of death of the insured person during the term of the policy, the death benefit is paid to the beneficiary and the policy is terminated. The death benefit is as defined on page 5. Age Term of the policy 10 yrs 15 yrs 20 yrs 25 yrs 30 years 15,760 8,920 7,220 6,750 35 years 19,140 11,550 9,700 9,120 40 years 25,680 16,160 13,520 12,540 Each premium indicated is the annual premium for a healthy adult male excluding service tax and education cess. The exact premium to be paid may vary as a result of underwriting and applicable service tax and education cess shall be charged additionally. 4

B Return of Premium on Maturity Option (contd...) Death benefit is defined as follows Death Benefit Age of the life assured Less than 45 years 45 years and above Single Premium Highest of a) sum assured b) 125% of the single premium or c) minimum guaranteed sum assured on maturity* (which is the contractual single premium in case of return of premium option) Highest of a) sum assured b) 110% of the single premium or c) minimum guaranteed sum assured on maturity* (which is the contractual single premium in case of return of premium option) Regular Premium Highest of a) sum assured b) 10 times the annualised premium c) 105% of all the premiums paid as on date of death or d) minimum guaranteed sum assured on maturity* (which is the sum of all contractual basic regular premiums payable throughout the term in case of return of premium option) Highest of a) sum assured b) 7 times the annualised premium c) 105% of all the premiums paid as on date of death or d) minimum guaranteed sum assured on maturity* (which is the sum of all contractual basic regular premiums payable throughout the term in case of return of premium option) * Not applicable for pure protection option 5

2 Flexibility in the policy term to suit your lifestage Choose the policy term according to your age and needs Our needs vary with different stages of life. Besides the age, our responsibilities and liabilities also vary. Which is why, we have built in flexibility in the policy term of the plan. You can opt for any term between 10 years and 30 years. For example, the policy term for a 50 year old married male could be for 10 years, whereas that for a 30 year old single male could be for the next 30 years. This plan has the flexibility to accommodate such needs. 3 Flexibility in premium payment options to suit your wallet Choose from regular or single premium payment option Pay your premiums as per your capabilities and desires. Be it a single lump-sum premium payment or a regular premium payment for the policy term that can be easy on your wallet. The amount of premium to be paid depends upon the gender and age of the person to be insured, benefit option chosen, sum assured, premium payment term, policy term chosen and premium payment mode. For your convenience, we have provided all premium payment modes that can be yearly, half-yearly, quarterly and monthly. Premiums for frequency other than annual premium will be annual premium x modal frequency factor. A modal frequency factor of 0.51 for half-yearly mode, 0.26 for quarterly mode and 0.09 for monthly mode is applicable. 6

4 Attractive discounts to encourage additional cover Avail of premium discounts, and get more out of your plan Advantage Women High Sum Assured Discount % Off There will be a premium discount for a female insured person in this plan. Premium rate applicable to a female insured person will be the premium rate for a three-year younger male insured person. However for females aged 18, 19 and 20 years, premium rate for male aged 18 will apply. Termsurance offers an attractive premium discount structure, where you can have a discount if the Sum Assured purchased is Rs.10 lacs or above. The rate of discount is as mentioned in the tables below: Pure Protection Option Sum Assured Regular Premium Discount Single Premium Discount Per 1000 sum assured (in Rs) Per 1000 sum assured (in Rs) 10,00,000 to 19,99,999 0.15 1.10 20,00,000 to 29,99,999 0.75 4.10 30,00,000 to 39,99,999 1.00 5.85 40,00,000 to 49,99,999 1.15 6.60 50,00,000 and above 1.20 7.10 Return of Premium on Maturity Option Sum Assured Regular Premium Discount Single Premium Discount Per 1000 sum assured (in Rs) Per 1000 sum assured (in Rs) 10,00,000 to 19,99,999 0.40 2.35 20,00,000 to 29,99,999 1.50 6.80 30,00,000 to 39,99,999 2.10 14.90 40,00,000 to 49,99,999 2.35 16.95 50,00,000 and above 2.55 18.20 7

5 Stopping your premiums or your policy What happens if you stop paying premiums or if you want to stop your policy entirely? Your Termsurance plan gives you such valuable protection that we urge you to pay all premiums promptly as they are due. We understand though that your circumstances and priorities can change and that you may at some time wish to stop paying your premiums or even stop your plan entirely. 1 A Pure Protection Option To keep your cover in place you must pay all premiums promptly as they are due. We allow a grace period of 30 days (yearly, half yearly and quarterly payment modes) or 15 days (monthly payment mode) following the premium due date during which we will keep you covered even if you have not paid your premium. If you haven t paid your premium by the end of the grace period, your policy will lapse and we will not pay any benefits from then on. If you have chosen to pay a single premium, then of course no further premiums are due. If you then no longer want your plan, you may surrender it, in which case we will pay you a special surrender value in settlement. We do not guarantee this surrender value and we can change it at any time subject to IRDA approval. We will calculate the special surrender value using the following formula: Pure Protection Option: For single premium policies = 75% x (Policy term less policy year on surrender) x single premium /Policy Term There is no surrender value for the regular premium payment option. 8

1 B Return of Premium on Maturity Option Regular Premium Payment To keep your cover in place, you must pay all premiums promptly as they are due. We allow a grace period of 30 days (yearly, half yearly and quarterly payment modes) or 15 days (monthly payment mode) following the premium due date during which we will keep you covered even if you have not paid your premium. For regular premium payment option, the policy will acquire paid up value only after three full years premiums have been paid. If the policy has not acquired paid up value and if you haven t paid your premium by the end of grace period, your policy will lapse and we will not pay any benefits from then on. Once the policy acquires paid up value, we will make your plan paid up for a reduced sum assured on death and reduced return of premium benefits on survival to maturity. Surrender Value In case you do not wish to continue the policy, you have an option to surrender. For regular premium payment option, after you have paid premiums for three full years, you may choose to surrender your plan, in which case we will pay you a surrender value in settlement. We will pay you a surrender value which will be higher of the Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV). Guaranteed Surrender Value is calculated as: Total premiums paid till date of surrender*guaranteed Surrender Value Factor. We will calculate the reduced paid up benefits using the following formulae: Reduced paid up sum assured on death =Policy duration in complete years x sum assured Policy term Reduced return of premium benefit on maturity date =Policy duration in complete years x total premiums paid* Policy term *excluding any extra premiums and service tax. 9

B Return of Premium on Maturity Option (contd...) Guaranteed surrender factors (GSF) for regular premium: Policy Policy Term Year 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 8 61.67% 58.75% 57.00% 55.83% 55.00% 54.38% 53.89% 53.50% 53.18% 52.92% 52.69% 52.50% 52.33% 52.19% 52.06% 51.94% 51.84% 51.75% 51.67% 51.59% 51.52% 9 73.33% 67.50% 64.00% 61.67% 60.00% 58.75% 57.78% 57.00% 56.36% 55.83% 55.38% 55.00% 54.67% 54.38% 54.12% 53.89% 53.68% 53.50% 53.33% 53.18% 53.04% 10 85.00% 76.25% 71.00% 67.50% 65.00% 63.13% 61.67% 60.50% 59.55% 58.75% 58.08% 57.50% 57.00% 56.56% 56.18% 55.83% 55.53% 55.25% 55.00% 54.77% 54.57% 11 85.00 78.00% 73.33% 70.00% 67.50% 65.56% 64.00% 62.73% 61.67% 60.77% 60.00% 59.33% 58.75% 58.24% 57.78% 57.37% 57.00% 56.67% 56.36% 56.09% 12 85.00% 79.17% 75.00% 71.88% 69.44% 67.50% 65.91% 64.58% 63.46% 62.50% 61.67% 60.94% 60.29% 59.72% 59.21% 58.75% 58.33% 57.95% 57.61% 13 85.00% 80.00% 76.25% 73.33% 71.00% 69.09% 67.50% 66.15% 65.00% 64.00% 63.13% 62.35% 61.67% 61.05% 60.50% 60.00% 59.55% 59.13% 14 85.00% 80.63% 77.22% 74.50% 72.27% 70.42% 68.85% 67.50% 66.33% 65.31% 64.41% 63.61% 62.89% 62.25% 61.67% 61.14% 60.65% 15 85.00% 81.11% 78.00% 75.45% 73.33% 71.54% 70.00% 68.67% 67.50% 66.47% 65.56% 64.74% 64.00% 63.33% 62.73% 62.17% 16 85.00% 81.50% 78.64% 76.25% 74.23% 72.50% 71.00% 69.69% 68.53% 67.50% 66.58% 65.75% 65.00% 64.32% 63.70% 17 85.00% 81.82% 79.17% 76.92% 75.00% 73.33% 71.88% 70.59% 69.44% 68.42% 67.50% 66.67% 65.91% 65.22% 18 85.00% 82.08% 79.62% 77.50% 75.67% 74.06% 72.65% 71.39% 70.26% 69.25% 68.33% 67.50% 66.74% 19 85.00% 82.31% 80.00% 78.00% 76.25% 74.71% 73.33% 72.11% 71.00% 70.00% 69.09% 68.26% 20 85.00% 82.50% 80.33% 78.44% 76.76% 75.28% 73.95% 72.75% 71.67% 70.68% 69.78% 21 85.00% 82.67% 80.63% 78.82% 77.22% 75.79% 74.50% 73.33% 72.27% 71.30% 22 85.00% 82.81% 80.88% 79.17% 77.63% 76.25% 75.00% 73.86% 72.83% 23 85.00% 82.94% 81.11% 79.47% 78.00% 76.67% 75.45% 74.35% 24 85.00% 83.06% 81.32% 79.75% 78.33% 77.05% 75.87% 25 85.00% 83.16% 81.50% 80.00% 78.64% 77.39% 26 85.00% 83.25% 81.67% 80.23% 78.91% 27 85.00% 83.33% 81.82% 80.43% 28 85.00% 83.41% 81.96% 29 85.00% 83.48% 30 85.00% If we have made your policy paid up, you may still choose to surrender it. We will pay you the special surrender value in this case. 10

B Return of Premium on Maturity Option (contd...) Single Premium Payment Once you have paid the single premium, of course no further premiums are payable. At any point of time, if you no longer want your plan you may surrender it, in which case we will pay you a surrender value in settlement. We will pay you a surrender value which will be higher of the Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV). Guaranteed Surrender Value is calculated as: Total premiums paid till date of surrender* Guaranteed Surrender Value Factor. Guaranteed surrender factors (GSF) for single premium: Policy Year GSF 1-3 70% 4 + 90% The SSV is not guaranteed and may be changed at any time, subject to the prior approval of the IRDA. Lapse In case of regular premium policies, if the premiums are not paid within the grace period, the policy will lapse, except where the policy has acquired a paid up value (applicable to Return of Premium on Maturity Option). Revival A policy which has lapsed may be revived subject to the following conditions: a. An application for revival is made within two years from the due date of the last unpaid premium b. The insured person has furnished satisfactory evidence of health and other requirements according to board approved underwriting guidelines at that time c. The arrears of premium, together with interest at such a rate, as decided by us from time to time. The interest rate will be 3% more than the 10 year yield of Government Securities as published by Fixed Income Money Market and Derivatives Association of India (FIMMDA) having the website address as www.fimmda.org. However for administrative ease, these rates will be reviewed every 6 months only. No benefits are payable to the policy owner during the revival period. Once a policy has been revived, thereafter the policy is entitled to receive all benefits. If you have not revived a lapsed policy in the two year period, the premiums already received by us are forfeited and the policy cannot be revived thereafter. No benefit is payable under a lapsed policy. 11

B Return of Premium on Maturity Option (contd...) Loans There is no facility for loan under this policy. Suicide Exclusion 80% of the premiums paid will be given as the death benefit if the insured person, whether sane or insane, commits suicide within 12 months from the date of commencement of the policy or from the date of policy issue whichever is later. In case of suicide within one year of revival of the plan, the benefit payable will be 80% of premiums paid till death or Surrender Value (if any) as available on the date of death, whichever is higher. Tax Benefits Tax benefits under section 80 C and 10 (10D) are applicable as per provisions 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. Free-look Period As per Regulation 6(2) of IRDA Protection of Policyholders Interest Regulations, 2002, in case you are not satisfied with the terms and conditions of your IDBI Federal Termsurance Life Protection Insurance Plan, the company offers you the option of cancelling your policy within the free look period of 1. 15 days from the date of receipt of your policy document (If the policy is not sourced through distance marketing)* 2. 30 days from the date of receipt of your policy document. (If the policy is sourced through distance marketing)* In that case, you can send your original policy document along with a request letter stating the reasons for your cancellation. The company will refund you the premium amount after deducting stamp duty charges, proportionate risk premium for the period of insurance cover and expenses towards medical examination incurred by the company for your policy. *Distance marketing includes sale of insurance products through the following modes: - Voice mode, which includes telephone-calling - Short Messaging Service (SMS) 12

B Return of Premium on Maturity Option (contd...) - Electronic mode which includes e-mail, internet and interactive television (DTH) - Physical mode which includes direct postal mail, newspaper and magazine inserts - Solicitation through any means of communication other than in person Nomination Nomination will be allowed as per provisions of section 39 of Insurance Act, 1938 as amended from time to time. Assignment Assignment and transfer of insurance policies will be allowed as per provisions of section 38 of Insurance Act, 1938 as amended from time to time. Policies Issued Under Married Women s Property Act Under Section 6 of the Married Women s Property Act, 1874, a married man can take an insurance policy on his own life and express it to be for the benefit of his wife or children. When such intent is expressed on the face of the policy, it shall be deemed to be a trust for the benefit of the named beneficiaries (your wife or children) and it shall not be subject to the control of the husband, or his creditors or form a part of his estate. The Act also provides that nothing contained in the provision shall operate to destroy or impede the right of any creditor to be paid out of the proceeds of any policy of assurance which may have been affected with intent to defraud creditors. You can ask for an endorsement of your Termsurance Plan for the benefit of your wife or children or any combination of them under the Married Women s Property Act, 1874. Once endorsed, the policy will be exclusively for the benefit of the named beneficiaries. For further information on Section 38 and 39 of the Insurance Act, 1938 you may contact your intermediary, or refer our website or refer the Insurance Laws (Amendment) Act, 2015 for the relevant sections. 13

Statutory Information Section 41: Prohibition of Rebate The Insurance Act, 1938, prohibits an agent or any other person from passing any portion of his commission to the customer whether as incentive or rebate of the premium. Section 41 of the Act states: (1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the Policy, nor shall any person taking out or renewing or continuing a policy, accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the Insurer. (2) Any person making default in complying with the provisions of this Section shall be liable for a penalty which may extend to ten lakh rupees. terms, conditions and exclusions contained in the Policy Document. IDBI Federal Termsurance Life Protection Insurance Plan is a non-linked non-participating protection plan and no benefits other than those indicated in this brochure are payable. Trade Logo displayed above belongs to IDBI Bank Limited, The Federal Bank Limited and Ageas International Insurance N. V. and used by IDBI Federal Life Insurance Company Limited under license from respective partners. This product is underwritten by IDBI Federal Life Insurance Company Limited (Regn. No 135; Corporate Identity Number (CIN) U66010MH2007PLC167164) having its st registered office at: 1 Floor, Trade View, Oasis Complex, Kamala City, P.B. Marg, Lower Parel (West), Mumbai 400013, Tel: 022 2490 8109 Fax: 022 2494 1016. Insurance is the subject matter of the solicitation. Product UIN: 135N040V01. Ref. No: 12548/TLIPP/ENG/PB/APR15/V1 Policy Document This brochure gives only the salient features of the IDBI Federal Termsurance Life Protection Insurance Plan. It uses easy to understand language to explain the features. Your Plan is governed only by the full legal BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDA of India clarifies to public that IRDA of India or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDA of India does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number. 14

How to contact us You can reach us in the following convenient ways. Branches You can visit or call any branch of IDBI Bank, Federal Bank or IDBI Federal Life Insurance. For the list of branches, please visit www.idbifederal.com SMS You can SMS TERM to 5757515. We will call you back. Phone You can call our nation-wide toll-free number 1800 209 0502 from Monday to Saturday between 8am to 8pm. Write You can write to IDBI Federal Life Insurance Company Ltd, 1st Floor, Trade View, Kamala City, P B Marg, Lower Parel (W), Mumbai 400 013 Website You can visit our website www.idbifederal.com Email You can email us at support@idbifederal.com