IDBI Federal Incomsurance 7 Pay Brochure

Sealed with guaranteed incomeA money back insurance plan

to provide guaranteed* annual income

GUARANTEED INCOME

INCOME GUARANTEED

IDBI Federal Incomesurance Guaranteed Money Back Insurance Plan 7 Pay

*Conditions apply.

Invest and enjoy these benefits:

Pay premiums only for the first7 years of the policy and get life cover for 14 years

Annual payouts ranging from 126.66% to 143.23% of your premium, paid from the 8th policy year onwards

Enjoy guaranteed annual payouts irrespective of market conditions

Get comfort with protection offered by Critical Illness Benefit

Get tax benefits of Sec 80C and Sec 10(10D)

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Presenting IDBI Federal Incomesurance Guaranteed Money Back Insurance Plan 7 pay.

We don’t know what lies in our future. And therefore when we invest, we seek a

guarantee. IDBI Federal Incomesurance Guaranteed Money Back Insurance Plan 7 pay

(hereinafter referred as Incomesurance 7 pay) is a plan that enables you to stop being

concerned of the future and rest assured, since the plan gives you payouts annually.

And yes, it’s guaranteed!

Introduction

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Key Benefits of Incomesurance 7 pay

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Pay premiums only forthe first 7 years of thepolicy and get life coverfor 14 yearsWith Incomesurance 7 pay you pay premiums for the short

duration of 7 years only and rest assured about your family’s

financial security with a life cover that remains in force for the

complete policy term of 14 years.

Enjoy guaranteed annualpayouts irrespective ofmarket conditionsThe benefits of this plan are guaranteed and will be paid out to

you irrespective of market volatility.

Annual payouts ranging from126.66% to 143.23% of yourpremium, paid from the8th policy year onwards

You start receiving guaranteed annual payouts starting from

the end of the 8th policy year up to the end of 14th policy year.

These payouts are expressed as a percentage of your annualized

premium (excluding service tax and extra premium) and depend

on the premium amount you pay and on your age at policy

commencement. The GAP amounts we guarantee are detailed

under survival benefits.

Take comfort in the protectionoffered by the Criticalillness benefit A key feature of the Incomesurance 7 pay plan is its Critical illness

benefit. In an age of growing health concerns and uncertainties,

this benefit offers you a financial cushion against a pre-defined

list of serious health related conditions. In the unfortunate scenario

of the life insured being diagnosed with a critical illness:

• A lump sum amount of the guaranteed annual pay outs

proportionate to the premiums paid, is immediately paid out to

help in treatment and other expenses;

• Plus the life cover continues till the end of the policy term

Please refer ‘How Incomesurance 7 pay Works’ section for

complete details.

Get tax benefits of 80Cand 10(10D)

Incomesurance 7 pay also helps you avert taxes eating into

your hard-earned money. It gives you tax benefits on premiums

paid and benefits received under section 80C and 10(10D)

respectively.

Please note that tax laws may change from time to time. We

urge you to consult your tax advisor for more information.

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Eligibility

Age at entry(as on last birthday)

Min

Max

Min

Max

10 years$

50 years

24 years

64 years

Age at maturity(as on last birthday

Premium

Min

Max

`35,000

`20,00,000

Premium payment term Fixed 7 years

Policy term Fixed 14 years

Premium Payment Frequency Annual

$Policies on lives of minors can be taken only by parents / grand-parents.

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How Incomesurance 7 pay works

Incomesurance 7 pay is a simple plan with guaranteed benefits, explained below in easy steps:

You choose the amount that you would want to invest as premium each year.

Enjoy the benefits of thepolicy

You pay premiums for the first 7 years of your policy only.

You get annual payouts on survival of insured till end of each

year starting from the 8th policy year up to the 14th policy

year. The Guaranteed Annual Payouts (GAPs) that you receive

depend on two factors:

The annualized premium (exclusive of service tax and

extra premium) that you pay

Your age at policy commencement

Survival Benefit

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The GAPs are as detailed below

Age at Entry(Last Birthday)

Premium <Rs. 1,00,000

Premium ≥Rs. 2,00,000

Premium ≥Rs. 1,00,000 & <2,00,000

10 139.26% 142.31% 143.23%

11 139.26% 142.31% 143.23%

12 139.26% 142.31% 143.23%

13 139.26% 142.31% 143.23%

14 139.26% 142.31% 143.23%

15 139.02% 142.31% 143.23%

16 139.02% 142.31% 143.23%

17 139.02% 142.31% 143.00%

18 139.02% 142.31% 143.00%

19 139.02% 142.05% 143.00%

20 138.80% 142.05% 143.00%

21 138.80% 142.05% 143.00%

22 138.80% 142.05% 143.00%

23 138.80% 142.05% 142.75%

24 138.80% 141.83% 142.75%

25 138.56% 141.83% 142.75%

26 138.56% 141.83% 142.75%

27 138.56% 141.83% 142.49%

28 138.31% 141.53% 142.49%

29 138.31% 141.53% 142.49%

30 138.06% 141.28% 142.15%

31 138.06% 141.28% 142.15%

32 137.71% 140.94% 141.81%

33 137.71% 140.94% 141.81%

34 137.25% 140.48% 141.35%

35 136.98% 140.21% 141.08%

Age at Entry(Last Birthday)

Premium <Rs. 1,00,000

Premium ≥Rs. 2,00,000

Premium ≥Rs. 1,00,000 & <2,00,000

36 136.66% 139.89% 140.77%

37 136.31% 139.54% 140.42%

38 135.91% 139.15% 140.03%

39 135.48% 138.72% 139.60%

40 134.99% 138.24% 139.12%

41 134.46% 137.72% 138.59%

42 133.88% 137.14% 138.01%

43 133.23% 136.50% 137.38%

44 132.52% 135.79% 136.67%

45 131.73% 135.01% 135.90%

46 130.88% 134.17% 135.05%

47 129.95% 133.24% 134.13%

48 128.93% 132.23% 133.12%

49 127.64% 131.15% 132.04%

50 126.66% 129.83% 130.72%

Note:

Survival benefits will be paid as GAP on their respective due

dates and will not be available as a Lump sum.

Illustration:

To help you understand this better, let us take the example of

Mr. Mohit aged 30 years. Mr. Mohit decides to invest

Rs. 1,00,000 per annum in his Incomesurance 7 pay plan.

He invests this amount every year for the first 7 years of his

policy. From the end of the 8th policy year, he starts receiving

his annual guaranteed payout of Rs.1,41,280 every year till the

14th year of his policy.

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There is no Guaranteed Sum Assured payable on maturity.

The last GAP will be made on survival to maturity.

In the unfortunate case of death of the life insured at any time

during the policy term of 14 years, provided the policy is in

force and all premiums have been paid in full as and when due,

the beneficiary would be paid the death sum assured which

would be the highest of:

Death benefit

Maturity benefit Guaranteed Sum Assured on maturity*

10 times of annualised premium

105% of all premiums paid (including extra premiums and

modal loading)

Basic Sum Assured

(An absolute amount of 10 times premium, including extra

premiums and modal loading)

Sum of all Guaranteed Annual Payouts (GAP)

Survival Benefit or Critical Illness Benefit already paid, if any,

will not be deducted from the Death Sum Assured.

*There is no guaranteed sum assured payable on maturity. The

last GAP payment will be made on survival to maturity.

Pay premiums for the first 7 years of the policy term

Policy Term –14years

Life Cover –14years

Get Guaranteed Annual Payouts (GAP)for the next 7 years of the policy term

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Critical illness benefitIn case the life insured is diagnosed with a critical illness (from

a list of pre-defined critical illness covered under this benefit),

a lump sum total of the guaranteed annual payouts,

proportional to the premiums received, is paid out immediately

to help with the treatment and other expenses.

During Premium Paying Term:

CI Benefit = GAP x No of premiums paid

After Premium Paying Term:

CI Benefit = (GAP x No of premiums paid) – Sum of GAPs paid

till date of claim (if any)

No further GAPs will be paid under the policy after the critical

illness benefit is paid out. However the life cover continues till

the end of the policy term. No further survival benefits are

payable.

There is a survival period of 30 days from diagnosis for

claiming Critical Illness benefit. If policyholder dies during the

survival period, critical illness benefit shall not be paid and only

death benefit shall be paid.

*The CI benefit payout illustrated above is for an individual aged 30 year and premium of Rs. 1,00,000. Payout as a percent of Annual Premium (exclusive of service tax and extra premium) depends on the premium amount and on the age of the person to be insured at policy commencement.

In case Critical Illness is diagnosed in the 3rd policy year

(141.28% * Annual Premium) * 3 paid as lump sum

Life cover continues till end of policy term. Future

premiums are not payable

After payout of CI benefit no further Survival benefits are paid

Premium payment Term – 7 years

Policy Term – 14 years

Life Cover – 14 years

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For further details on critical illnesses, please refer to ‘Critical

Illness Definitions and Exclusions’ under the Other Features

section.

The Critical Illnesses covered under this product are :

Cancer Of Specified Severity

Open Chest CABG (Coronary Artery Bypass Graft)

First Heart Attack - Of Specified Severity

Stroke Resulting In Permanent Symptoms

Kidney Failure Requiring Regular Dialysis

Major Organ /Bone Marrow Transplant

Multiple Sclerosis With Persisting Symptoms

Coma Of Specified Severity

Permanent Paralysis Of Limbs

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Other Features

Surrendering the policy Special Surrender Value (SSV): The Company, at its discretion,

may also pay a Special Surrender Value which may be higher

than the Guaranteed Surrender Value. The SSV is not

guaranteed and may be changed at any time, subject to the

prior approval of the IRDA.

The policy terminates on surrender and no further benefits are

payable under the policy.

There is no surrender value applicable on a policy once a

critical illness claim is paid.

Incomesurance 7 pay is your investment commitment towards

realising your dreams and securing your family financially. But

in emergency situations, you can opt to surrender your policy

before the end of the policy term.

You can surrender your policy at any time after payment of 2

full years’ premiums. The surrender value of the policy is higher

of Guaranteed Surrender Value (GSV) and Special Surrender

Value (SSV).

Guaranteed Surrender Value (GSV) GSV = (Total Premium paid^ till date of surrender x GSV

Factor) – Sum of GAPs paid till date of surrender. The GSV will

always be non negative.

^including extra premium but excluding service tax.

Grace periodYour Incomesurance 7 pay plan offers you a grace period of 30

days from the date of the first unpaid premium. During the

grace period your policy remains in force and benefits are

payable. In case of death of the life insured during the grace

period, before the premium due is paid, the same shall be

deducted from the death benefit payable.

If the premium due is not paid within the grace period, the

policy shall lapse and have no further value, except if it has

acquired any paid-up value.GSV factors are tabulated below for reference:

Policy Year GSV factor

1 -

2 30%

3 30%

4 50%

5 50%

6 50%

7 50%

Policy Year GSV factor

8 52%

9 54%

10 57%

11 62%

12 68%

13 74%

14 80%

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Other Features (contd...)

Paid-up value(Non forfeiture)

Lapse

Your policy is eligible to acquire a paid-up value only after 2

full years’ annual premiums have been paid. Thereafter, if you

fail to pay any due premium within the grace period, your

policy will assume paid-up value with reduced benefits:

Reduced GAP - (GAP) * (Number of premiums paid/Total

number of premiums payable)

The reduced GAP will be paid out from end of 8th year to end

of 14th year of the policy.

Reduced Death Sum Assured - [(Death sum assured) * (Number

of premiums paid/Total number of premiums payable)

In case of death of the life assured during the policy term, the

reduced Death sum assured will be paid out to the beneficiary.

CI Benefit = (Guaranteed annual payout x No of premiums

paid) – Sum of GAPs paid (if any)

In case of a critical illness claim by the life assured during the

policy term, the critical illness benefit will be paid out to the

beneficiary.

During the first 2 policy years, if you fail to pay any due

premium before end of the grace period, your policy will lapse

and no benefits will be payable.

Revival A policy which has lapsed or acquired paid-up value can be

revived subject to:

You make an application for revival within 2 years from

the due date of the first unpaid premium.

You furnish satisfactory evidence of health and satisfy

other requirements according to our board approved

underwriting policies at that time.

You will be charged interest for the arrears in premium.

Interest rate shall be set as 3% + yield on 10 year

Government security. Based on this, the interest rate shall

be set every 6 months.

If your policy has acquired a paid-up value then the

application for revival must be made before the due date

of the first guaranteed annual payout.

When a policy is revived after payment of all due premiums

complete with interest, the policy is entitled to receive all

benefits and the guaranteed annual payouts will be reinstated

as per schedule.

If you have not revived a lapsed policy, and if the policy has

not acquired a paid up value, the premiums already received by

us are forfeited and the policy cannot be revived thereafter.

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LoansYou can avail a loan on your Incomesurance 7 pay policy only

after the policy acquires a surrender value. The loan you can

avail will be from a minimum of Rs.5,000 and limited to 85%

of the guaranteed surrender value at the time of application,

subject to terms and conditions specified by IDBI Federal from

time to time.

ExclusionIf the life insured, 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, 80%

of the premiums paid^ will be given as the death benefit. 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 as available on the date of death, whichever is

higher.

^exclusive of service tax and levies

Please refer to Critical illness section for exclusions applicable

for critical illnesses

NominationNomination will be allowed as per provisions of section 39 of

Insurance Act, 1938 as amended from time to time.

Free look period You are entitled to a free look period of 15 days from the date

of receipt of your policy. In case you do not wish to continue

this policy you may place a request in writing to cancel the

policy within the free look period. We will refund the premium

paid by you after deducting proportionate premium for the

cover provided during that time. We will also deduct any

medical examination costs and stamp duty charges incurred by

us in respect of the policy.

For the policies solicited through distance marketing mode,

freelook period of 30 days from the date of receipt of your

policy document, is applicable. Distance marketing includes

every activity of solicitation (including lead generation) sale of

insurance products through the following modes:

Voice mode, which includes telephone-calling

Short Messaging Service (SMS)

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


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AssignmentAssignment and transfer of insurance policies will be allowed

as per provisions of section 38 of Insurance Act, 1938 as

amended from time to time.

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

or as amended from time to time for the relevant sections.

Service tax andstamp duty

TAX

Service tax and other levies, as applicable, will be levied as per

the extant laws.


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Cancer Of SpecifiedSeverity

Open Chest CABG(Coronary Artery Bypass Graft)

Critical Illnesses Definitions & Exclusions

First Heart Attack -Of Specified Severity

A malignant tumor characterized by the uncontrolled growth

& spread of malignant cells with invasion & destruction of

normal tissues. This diagnosis must be supported by

histological evidence of malignancy & confirmed by a

pathologist. The term cancer includes leukemia, lymphoma

and sarcoma.

The following are excluded:

Tumors showing the malignant changes of carcinoma in

situ & tumor which are histologically described as

premalignant or non invasive, including but not limited

to: Carcinoma in situ of breasts, cervical dysplasia CIN-1,

CIN -2 & CIN-3

Any skin cancer other than invasive malignant melanoma

All tumors of the prostate unless histologically classified

as having a Gleason score greater than 6 or having

progressed to at least clinical TNM classification T2N0M0

Papillary micro - carcinoma of the thyroid less than 1 cm

in diameter

Chronic lymphocytic leukaemia less than RAI stage 3

Micro - carcinoma of the bladder

All tumors in the presence of HIV infection.

The first occurrence of myocardial infarction which means the

death of a portion of the heart muscle as a result of

inadequate blood supply to the relevant area.

The diagnosis for this will be evidenced by all of the following

criteria:

A history of typical clinical symptoms consistent with the

diagnosis of Acute Myocardial Infarction (for e.g. typical

chest pain).

New characteristic electrocardiogram changes.

Elevation of infarction specific enzymes, Troponins or

other specific biochemical markers.

The actual undergoing of open chest surgery for the

correction of one or more coronary arteries, which is/are

narrowed or blocked, by coronary artery bypass graft (CABG).

The diagnosis must be supported by a coronary angiography

and the realization of surgery has to be confirmed by a

specialist medical practitioner.


Angioplasty and/or any other intra-arterial procedures.

Any key-hole or laser surgery.

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Critical Illnesses Definitions & Exclusions (contd...)

Stroke Resulting InPermanent SymptomsAny cerebrovascular incident producing permanent

neurological sequela. This includes infarction of brain tissue,

thrombosis in an intracranial vessel, haemorrhage and

embolisation from an extracranial source. Diagnosis has to be

confirmed by a specialist medical practitioner and evidenced by

typical clinical symptoms as well as typical findings in CT Scan

or MRI of the brain. Evidence of permanent neurological deficit

lasting for at least 3 months has to be produced.


Transient ischemic attacks (TIA)

Traumatic injury of the brain

Vascular disease affecting only the eye or optic nerve or

vestibular functions.

Kidney Failure RequiringRegular DialysisEnd stage renal disease presenting as chronic irreversible failure

of both kidneys to function, as a result of which either regular

renal dialysis (hemodialysis or peritoneal dialysis) is instituted or

Major Organ /Bone Marrow TransplantThe actual undergoing of a transplant of:

One of the following human organs: heart, lung, liver,

kidney, pancreas, that resulted from irreversible

end-stage failure of the relevant organ, or

Human bone marrow using haematopoietic stem cells.

The undergoing of a transplant has to be confirmed by a

specialist medical practitioner.


Other stem-cell transplants.

Where only islets of langerhans are transplanted

Multiple SclerosisWith Persisting SymptomsThe definite occurrence of multiple sclerosis.

The diagnosis must be supported by all of the following:

Investigations including typical MRI and CSF findings,

which unequivocally confirm the diagnosis to

be multiple sclerosis;

There must be current clinical impairment of motor or

sensory function, which must have persisted for

a continuous period of at least 6 months, and well


Non-ST-segment elevation myocardial infarction (NSTEMI)

with elevation of Troponin I or T.

Other acute Coronary Syndromes.

` Any type of angina pectoris.

renal transplantation is carried out. Diagnosis has to be

confirmed by a specialist medical practitioner.

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documented clinical history of exacerbations and

remissions of said symptoms or neurological deficits with

atleast two clinically documented episodes atleast one

month apart.


Other causes of neurological damage such as SLE and HIV

are excluded.

Critical Illnesses Definitions & Exclusions (contd...)

Permanent ParalysisOf LimbsTotal and irreversible loss of use of two or more limbs as a

result of injury or disease of the brain or spinal cord.

A specialist medical practitioner must be of the opinion that

the paralysis will be permanent with no hope of recovery and

must be present for more than 3 months.

Coma Of SpecifiedSeverityA state of unconsciousness with no reaction or response to

external stimuli or internal needs.

This diagnosis must be supported by evidence of all of the

following:

No response to external stimuli continuously for at least

96 hours;

Life support measures are necessary to sustain life; and

Permanent neurological deficit which must be assessed at

least 30 days after the onset of the coma.

The condition has to be confirmed by a specialist medical

practitioner.


Coma resulting directly from alcohol or drug abuse is

excluded.

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Exclusions

The benefit will not be payable for any covered critical illnesses

under following circumstances:

If the insured dies within 30 days of the diagnosis of the

covered CI.

For any medical condition or medical procedure resulting

directly or indirectly from self-inflicted injuries,

attempted suicide, while sane or insane;

For any medical conditions suffered by the life assured or

any medical procedure undergone by the life assured if

that medical condition or that medical procedure was

caused directly or indirectly by Acquired

Immunodeficiency Syndrome (AIDS), AIDS related

complex or infection by Human Immunodeficiency Virus

(HIV);


any medical procedure undergone by the life assured, if


caused directly or indirectly by any congenital anomaly or

defect;


any medical procedure undergone by the life assured, if


caused directly or indirectly by alcohol or drug abuse.

Engaging in or taking part in *hazardous activities,

including but not limited to, diving or riding or any

kind of race; martial arts; hunting; mountaineering;

parachuting; bungee-jumping; underwater activities

involving the use of breathing apparatus or not;

*Hazardous Activities mean any sport or pursuit or

hobby, which is potentially dangerous to the Insured

Member whether he is trained or not.

Participation by the insured person in a criminal or

unlawful act with criminal intent.

For any medical condition or any medical procedure

arising from nuclear contamination; the radioactive,

explosive or hazardous nature of nuclear fuel materials or

property contaminated by nuclear fuel materials or

accident arising from such nature.


arising either as a result of war, invasion, act of foreign

enemy, hostilities (whether war be declared or not),

armed or unarmed truce, civil war, mutiny, rebellion,

revolution, insurrection, military or usurped power, riot or

civil commotion, strikes or participation in any naval,

military or air force operation during peace time.


arising from participation by the insured person in any

flying activity, except as a bona fide, fare-paying

passenger and aviation industry employee like pilot or

cabin crew of a recognized airline on regular routes and

on a scheduled timetable.

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Policies issued under Married Women’s Property ActUnder 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 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 Incomesurance™ 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.

Vesting rights under a child policyWhere minor lives are covered, risk commences on the policy

commencement date. Further, on attainment of his\her

majority, the policy vests in the name of the insured person.

In the event of the death of the policy owner of a “child

policy”, the legal guardian of the child shall act as the policy

owner until the child becomes a major. In such case the legal

guardian shall then have the following options

Continue to hold the policy, or

Surrender the policy, provided the lock in period of 5

years has been completed.

Assignment will not be permitted in “child policies” during the

time that the life insured is a minor.

Other Terms Explained Independent Medical practitioner:

An independent Medical practitioner is a person who

holds a valid registration from the medical council of any

state of India and is thereby entitled to practice medicine

within its jurisdiction; and is acting within the scope and

jurisdiction of his license.

Pre-existing disease:

Any condition, ailment or injury or related condition(s) for

which policyholder had signs or symptoms, and / or were

diagnosed, and / or received medical advice / treatment

within 48 months to prior to the policy issued or Revived

by the insurer. No claim shall be repudiated after 4 years

from the policy inception or Revival on account of

pre-existing diseases disclosed or discovered through

medical examination at underwriting/revival.

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Statutory information

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.

Policy document

This brochure gives only the salient features of the IDBI Federal

Incomesurance Guaranteed Money Back Insurance Plan 7 pay.

It uses easy-to-understand language to explain the features.

Your plan is governed only by the full legal terms, conditions

and exclusions as contained in the policy document.

IDBI Federal Incomesurance Guaranteed Money Back Insurance

Plan 7 Pay is non-linked, non-participating money back plan

and no benefits other than those indicated in this brochure are

payable. This product does not participate in the profits of the

Company.

Substandard lives will be charged extra premium.

This product is underwritten by IDBI Federal Life Insurance

Company Limited (IRDAI Regn. No 135; Corporate Identity

Number (CIN) – U66010MH2007PLC167164) having its

registered office at: 1st floor, Tradeview, Oasis Complex,

Kamala City, P. B. Marg, Lower Parel (West), Mumbai –

400013. Product UIN 135N042V01. www.idbifederal.com.

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. Tax Benefits are as per

the Income Tax Act, 1961 and are subject to changes in the tax

from time to time.

Ref. No.: 13193/IGMBI7P/ENG/Print-PB/Nov15

TM - IDBI Federal Life Insurance Co Ltd has applied for the

registration of Incomesurance as trademark with the

Trademark Registry.

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How to contact us

BranchesVisit or call any branch of IDBI Bank,Federal Bank, or IDBI Federal Life InsuranceCo Ltd. For the list of branches,please visit www.idbifederal.com

SMS

PhoneCall our nation-wide toll-free number 1800 209 0502 at any time fromMonday to Saturday between 8 am to 8 pm

WriteWrite to Customer Service Desk,IDBI Federal Life Insurance Co Ltd.,1st Floor, Trade View, Kamala City,P. B. Marg, Lower Parel (W),Mumbai 400 013

SMS ‘INCOME’ to 5757515.We will call you back.+ SMS charges upto Rs. 3/- apply.

WebsiteVisit our website www.idbifederal.com

EmailEmail us at [email protected]

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IDBI Federal Incomesurance Guaranteed Money Back Insurance Plan 7 Pay

Documents

IDBI Federal Incomsurance 7 Pay Brochure