For internal training purpose only

Flexible Money back plan with Guaranteed Returns

IDBI Fortis Presents

For internal training purpose only

To create Guaranteed income for the future

• A plan that allows you to set up a guaranteed income for whatever goals you have in mind.

• Once you choose the plan you will be assured of a minimum income for every year during the payout period.

• Payout for 10 years.

• In addition, every time you make a premium payment; you get a guaranteed addition for each year of the payment period.

For internal training purpose only

Protect your goals with insurance cover• You get adequate life cover to protect

your goals so that your family is secure even in your absence .

• If you choose Waiver of Premium option, all future premiums will be waived and guaranteed annual income will continue, just as you had planned.

Your dreams for your loved ones are fulfilled with or without you

For internal training purpose only

Create exclusive funds

This plan allows you to create exclusive funds for your loved ones which no one will be able to access because they are legally protected from creditors and claimants on estate such as legal heirs, parties to dispute or creditors.

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Flexible premium payment options

• Depending on your needs and preference you can choose the period for which you will pay the annual premium .

• This can be for 10 or 15 years

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Choice of payout options

Choose from two payout options available .

• Annual money back payout option

OR• Lump sum payout on maturity

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Liquidity

• Unlike typical Money Back plan there is no compulsion to take the annual payout.

• A unique feature of the flexible payout option lets you have the liquidity only when you need it.

• The balance funds are available for withdrawal at maturity and they earn additional interest.

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• All the additional income is 100% transparent because it is linked to the prevailing rate of interest in government securities .

• It is declared right at the time of paying the premium.

Complete transparency

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One plan two benefits This plan offers you twin tax benefits

• Tax deduction on premium paid (up to 1 lac )

• Section 80c and tax – free returns under section 10 (10D)

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Strong parentage

IDBI Fortis a joint venture between IDBI bank,

India's premier leading development and commercial bank , Federal bank one of India's

leading private sector banks and Fortis Insurance International , a multinational insurance giant brings

the plan to you.

For internal training purpose only

These are not the only reasons the figures make it more exciting

Age of the Insured (for major) Benefits Payable-Option 1

Benefits Payable-Option

2

18-24 yrs 25-29 yrs 30-34 yrs 35-39 yrs 40-44 yrs 45 yrs 50 yrs 55 yrs Payable every year for 10 yrsPayable at Maturity

Sum Assured Premium Premium Premium Premium Premium Premium Premium Premium MAP AAPGAP=MAP+

AAP Endowment

1,50,000 14082 14094 14135 14221 14372 14414 14848 15430 15000 12300 27300 349856

2,00,000 18775 18792 18846 18961 19161 19218 19798 20574 20000 16400 36400 466474

2,50,000 23469 23489 23558 23702 23952 24023 24747 25717 25000 20500 45500 583093

3,00,000 28163 28187 28269 28442 28742 28827 29697 30861 30000 24600 54600 699712

3,50,000 32857 32885 32981 33182 33533 33632 34646 36004 35000 28700 63700 816330

4,00,000 36541 36573 36682 36912 37312 37426 38585 40137 40000 32800 72800 932949

5,00,000 45676 45716 45852 46140 46641 46782 48232 50172 50000 41000 91000 1166186

7,50,000 68513 68574 68779 69211 69961 70173 72348 75257 75000 61500 136500 1749279

10,00,000 90341 90422 90695 91271 92271 92554 95453 99333 100000 82000 182000 2332372

Premium table for Policy term (PT) 20yrs and Premium Payment Term (PPT) 10 yrs

Assumptions: 10 year G Sec rate as 8.5% and 1 year G Sec rate as 6% , Premium rates are calculated with service tax( 1.03 %)and annually.

Premium table for Policy term (PT) 25yrs and Premium Payment Term (PPT) 15 yrs

Age of the Insured (for Major) Benefits Payable-Option 1Benefits Payable-

Option 2

18-24 yrs 25-29 yrs 30-34 yrs 35-39 yrs 40-44 yrs 45 yrs 50 yrs Payable every year for 10 yrs Payable at Maturity

Sum Assured Premium Premium Premium Premium Premium Premium Premium MAP AAP GAP=MAP+AAP Endowment

2,00,000 12105 12136 12210 12358 12611 12681 13366 20000 22800 42800 548492

2,50,000 15132 15170 15264 15447 15764 15852 16708 25000 28500 53500 685615

3,00,000 18158 18204 18316 18537 18916 19022 20049 30000 34200 64200 822738

3,50,000 21185 21238 21369 21626 22069 22192 23391 35000 39900 74900 959861

4,00,000 23403 23463 23613 23908 24413 24554 25924 40000 45600 85600 1096984

5,00,000 29253 29329 29516 29885 30516 30693 32405 50000 57000 107000 1371230

7,50,000 43880 43994 44274 44827 45775 46039 48609 75000 85500 160500 2056844

10,00,000 58001 58153 58527 59264 60527 60881 64306 100000 114000 214000 2742459

Assumptions: 10 year G Sec rate as 8.5% and 1 year G Sec rate as 6% , Premium rates are calculated with service tax( 1.03 %)and annually.

Age of the Proposer Benefits Payable-Option 1Benefits Payable-

Option 2

30-34 35-39 40-44 45-49 Payable every year for 10 yrs Payable at Maturity

Sum Assured Premium Premium Premium Premium MAP AAP GAP=MAP+AAP Endowment

1,50,000 14379 14435 14560 14773 15000 12300 27300 349856

2,00,000 19171 19246 19414 19697 20000 16400 36400 466474

2,50,000 23964 24058 24267 24621 25000 20500 45500 583093

3,00,000 28757 28869 29121 29545 30000 24600 54600 699712

3,50,000 33550 33681 33974 34469 35000 28700 63700 816330

4,00,000 37333 37482 37818 38383 40000 32800 72800 932949

5,00,000 46666 46853 47272 47979 50000 41000 91000 1166186

7,50,000 69999 70279 70908 71969 75000 61500 136500 1749279

10,00,000 92321 92695 93534 94948 100000 82000 182000 2332372

Premium table for Policy term (PT) 20yrs and Premium Payment Term (PPT) 10 yrs (Policy for Minors aged 8-18 yrs with Waiver of premium option)

Assumptions: 10 year G Sec rate as 8.5% and 1 year G Sec rate as 6% , Premium rates are calculated with service tax( 1.03 %)and annually.

Age of the Proposer

Benefits Payable-Option 1

Benefits Payable-Option 2

25-29 30-34 35-39 40-44 45-49

Payable every

year for 10 yrs

Payable at Maturity

Sum Assured Premium Premium Premium Premium Premium MAP AAP GAP=MAP+AAP Endowment

2,00,000 12348 12396 12493 12663 12881 20000 22800 42800 548492

2,50,000 15435 15496 15617 15829 16102 25000 28500 53500 685615

3,00,000 18522 18595 18740 18995 19322 30000 34200 64200 822738

3,50,000 21609 21694 21864 22161 22543 35000 39900 74900 959861

4,00,000 23888 23985 24179 24518 24954 40000 45600 85600 1096984

5,00,000 29859 29981 30223 30647 31193 50000 57000 107000 1371230

7,50,000 44790 44971 45335 45972 46790 75000 85500 160500 2056844

10,00,000 59214 59456 59941 60790 61881 100000 114000 214000 2742459

Premium table for Policy term (PT) 25yrs and Premium Payment Term (PPT) 15 yrs (Policy for Minors aged 3-18 yrs with Waiver of premium option)

Assumptions: 10 year G Sec rate as 8.5% and 1 year G Sec rate as 6% , Premium rates are calculated with service tax( 1.03 %)and annually.

For internal training purpose only

For internal training purpose only

How does it work ?

For internal training purpose only

Premium Paying Period Payout Period

Policy Term

Premium paid increases payout for all the years of

the payout periodFlexibility to choose PPT of 5, 10

or 15 years; increase depends upon the interest rates prevailing at that time; the increase applies

to each yearly payout

You can choose 5 or 10 years as payout period in which you will receive the Guaranteed Annual

Payout

Additional Annual PayoutIs paid over & above

Minimum Annual Payout; it is declared each time premium

is paid & is paid each year during the payout period

Flexible Payout OptionPremium Payment Period

Minimum Annual Payout

Flexibility to opt for annual payouts or allow it to accumulate

earning interest which can be withdrawn at maturity or

whenever needed

Flexibility to choose PPT of 5, 10 or 15 years; premium can be paid monthly, quarterly, half-yearly or

yearly

Is declared at inception based on Premium Payment Term &

Payout Period choice. This amount is paid

each year during the payout period

For internal training purpose only

Guaranteed Annual Payout

Minimum Annual Payout

Additional Annual Payout

Customers receive Guaranteed Annual Payouts during the Payout Period

Minimum Annual payout is declared at inception and is guaranteed

Additional Annual payouts are linked to rates on Government securities (G-Secs) prevailing at the time of premium payment

Payouts

For internal training purpose only

The pay outs can be taken as annual benefits for the specific need like education or retirement or you can let it accumulate to be taken as lump sum.

Money back or lump sum as you wish it!

Payouts

21

Every time as you pay your premium, the amount of AAP payable for each year during the survival benefit term, will be calculated according

to the following formula:

Minimum Annual Payout

Applicable rate of additions of

AAP

Additional Annual Payout Rates

22

Additional Annual Payments each full annual premium paid

as a % of the MAPPPT 10

2015

Term 2510-year G-Sec rate Rate of Guaranteed Additions

less than 3.50% 0.0% 0.0%3.50% to 3.99% 1.0% 0.9%4.00% to 4.49% 1.6% 1.4%4.50% to 4.99% 2.1% 1.9%5.00% to 5.49% 2.8% 2.5%5.50% to 5.99% 3.4% 3.0%6.00% to 6.49% 4.1% 3.7%6.50% to 6.99% 4.8% 4.4%7.00% to 7.49% 5.6% 5.1%7.50% to 7.99% 6.5% 5.9%8.00% to 8.49% 7.3% 6.7%8.50% to 8.99% 8.2% 7.6%9.00% to 9.99% 9.1% 8.3%

10.00% to 10.99% 10.5% 9.7%11.00% to 11.99% 11.9% 11.0%12.00% to 12.99% 13.4% 12.3%13.00% to 13.99% 14.8% 13.6%14.00% to 14.99% 16.2% 15.0%15.00% to 15.99% 17.6% 16.3%

For internal training purpose only

Waiver of Premium Benefit

• Person to be insured or proposer are two different individuals

• Ideal where the person to be insured is a minor

• Guaranteed annual payout is payable to the proposer

• In the event of death of the proposer, future premiums are waived and paid; policy continues and future benefits are payable

Additional Benefits

High Sum Assured Discount

Customers who opt for sum insured beyond Rs.3,99,999 will get discount on their premium

For internal training purpose only

←Sum Insured→

Premium Payment Term Survival Benefit Term(Payout Period)

Death benefit during the PPT increases by the

Additional Annual Payout (AAP) every time a premium

is paid

Death benefit during the survival benefit term

decreases by the Guaranteed Annual Payout

(GAP) which is paid out

Life Cover in Incomesurance

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Attractive life Cover in Incomesurance

For term 20/10 Approx 10 times

of annual premium

For term 25/15 Approx 16

times of annual premium

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Once again Incomesurance A versatile plan for any goal

For detailed calculations and features related information refer to the Training PPT