Invest and enjoy these benefits

Life cover with triple benefits

Exclusive features to manage your corpus in case of an eventuality

Guaranteed Loyalty Additions to boost the growth of your investments

Manage your investments as per your risk appetite

Get tax benefits* under Sec 80(C) and Sec 10(10D) of the Income Tax Act, 1961

IDBI Federal Wealthsurance Future Star Insurance Plan

Ensure a brighter future for your star.A unit-linked plan designed to help

you build wealth for your child's future.

IN THIS PLAN, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Linked insurance products do not offer any liquidity during the first 5 years of the contract. The policyholder will not be able to surrender / withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.*Tax Benefits are as per the Income Tax Act, 1961 and are subject to changes in the tax laws from time to time.

ENSURE A BRIGHTER FUTURE FOR YOUR STAR.

*IDBI Federal Wealthsurance Future Star Insurance Plan will hereafter be referred as Wealthsurance Future Star.

1 Life cover with triple benefits 2 Wealth Care Switcher benefit

Wealthsurance Future Star is designed with triple benefits to

help you secure your child’s future in the unfortunate event of

death. First, the sum assured is paid out as a lump sum

amount on death; second, all future premiums are waived off

and an equivalent amount is invested by us into the policy in

a single installment; and third, the policy continues and the

maturity benefit is paid out at end of the policy term.

This benefit would trigger in case of death of the life insured.

Under this benefit, as the policy approaches maturity, we

would transfer the funds from equity (high risk) to debt (low

risk) in a pre-defined manner. This will ensure that the

accumulated corpus does not fall prey to sudden market

fluctuation. You will have to opt for this benefit at the time of

purchasing the policy.

4 Guaranteed Loyalty Additions to boost savings3 Education Support benefit

To boost your investments, we attach loyalty additions to thyour policy at the end of the 10 policy year and at the end of

every 5 years thereafter. So stay invested and gain.

This is also an optional benefit that you can select when

purchasing the policy. Under this benefit, on the death of the

life insured, the fund value is paid out in instalments during

the last 5 policy years instead of a lump sum amount at

maturity. This payout in instalments can be used to support

the child’s education related annual expenses.

Your child is a star in your eyes and you constantly encourage him to excel in academic and extra-curricular activities. You are doing

whatever it takes to ensure that your child shines like a star when he grows up. But have you done everything that is needed to secure

his future? Facilitating the best for him, from education to talent development courses, everything is going to cost a lot tomorrow. To

add to this concern is the uncertainty of life. Of course, you would like your child to fulfil his dreams, no matter what!

IDBI Federal Wealthsurance Future Star Insurance Plan* is designed with the understanding that your desire to see him shine like a star

is unconditional. Read on to know the 10 reasons why every parent should invest in this plan.

6 Systematic Allocator facility to balance risk and returns

Systematic Allocator facility is designed to balance

growth with safety of investments. This is a programmed

investment solution in which the fund mix becomes more

conservative i.e. debt-oriented, as the policy nears

maturity. This approach protects the corpus built over

time from the risk of sudden fluctuations in the equity

market towards maturity.

5 Option to self-manage investments or leave it to our experts

Wealthsurance Future Star gives you 2 options of

managing your investments. One option is to self-

manage investments i.e. you can allocate money in your

selected funds in chosen proportions and also revise this

from time to time. This option is most suitable if you have

the time, inclination and expertise to manage your

investments. The other option is to leave it to our fund

managers to manage your investments based on your

risk-return expectation.

7 Facility of unlimited fund switches with zero charges 8 Liquidity benefit

This facility enables you to switch funds at any time during

the policy. So you can shift investments from existing funds

to other funds or even revise the premium proportion

allocated to selected funds, all this free of charge.

In case of any financial emergency, you can make partial

withdrawals from the fund value but only after 5 years from

the policy commencement date. For more information on

partial withdrawal, please refer to the product brochure.

10Strong Parentage9 Tax Benefits

IDBI Federal has 3 strong financial institutions backing it -

IDBI Bank, Federal Bank and Ageas. While the former 2

are India’s premier banks, the latter is a multinational

insurance giant based out of Europe.

With Wealthsurance Future Star, you can enjoy tax

benefits* under Sec 80(C) and Sec 10(10D) of the Income

Tax Act, 1961.

How does Wealthsurance Future Star Insurance Plan work?

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

Policy Term = 15 years

Guaranteed Loyalty Additions

Mat

urity

Ben

efit

In case of death,• Lump sum payout• Future premiums invested in a single installment +• Plan continues and maturity benefit is paid out at maturity

In the above illustration, policy term and premium payment term is equal to 15 years.

*Tax Benefits are as per the Income Tax Act, 1961 and are subject to changes in the tax laws from time to time.

On survival,• Fund value including loyalty additions is paid out

(Regn. No 135; Corporate Identity Number (CIN) - U66010MH2007PLC167164)

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Tax Benefits are as per the Income Tax Act, 1961 and are subject

to changes in the tax laws from time to time. 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. IDBI Federal Wealthsurance Future Star Insurance Plan is a Unit Linked Insurance Plan. Unit Linked Life Insurance products are different from traditional insurance products and are subject to the risk

factors. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospectus and returns. The premiums paid in these policies are subject to

investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. IDBI

Federal Life Insurance Company Limited and IDBI Federal Wealthsurance Future Star Insurance Plan (UIN : 135L038V01) are only the names of the insurance company and linked insurance contract respectively, and do not in any way

indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges from your Insurance Agent or the Intermediary. The product is underwritten by IDBI Federal Life Insurance

Company Limited (Regn. No 135; Corporate Identity Number (CIN) - U66010MH2007PLC167164) having its registered office at: IDBI Federal Life Insurance Company Limited, 1st Floor, Trade View, Oasis Complex, Kamala City, P.B. Marg,

Lower Parel (West), Mumbai 400013.www.idbifederal.com Ref. No.: 12537/WFSIP/ENG/PF10C/APR15/V1

IDBI Federal Wealthsurance Future Star Insurance Plan

#Assumed gross rate of return

th^The Guaranteed Loyalty Additions are given after the 10 policy year and every 5 years thereafter. The above illustration is for a healthy male of 30 years and acceptance of proposal is subject to underwriting. The illustration does not show the effect of any partial withdrawal that you may choose to make in the future. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of IDBI Federal Life Insurance Co Ltd. If your policy offers guaranteed returns then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable returns then the illustration on this page will show two different rates of assumed future investment returns. The illustration is based on projected gross investment rates of returns of 8% and 4% respectively. These assumed rates of return are not guaranteed and they are not 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.

Attained age at maturity of Insured Person

Policy Term

Premium Payment Term

Premium Payment Mode

Premium Amount

Sum Assured

Sum Assured is determined as per the criteria given below

For Insured Person of age below 45 years:

Higher of:

• 10 times the Annual Premium

• 0.5 x Policy Term x Annual Premium

For Insured Person of age 45 years and above:

Premium Payment Term less than 8 years: Higher of

• 7 times the Annual Premium

• 0.25 x Policy Term x Annual Premium

Premium Payment Term equal to or greater than 8 years: Higher of

• 10 times the Annual Premium

• 0.25 x Policy Term x Annual Premium

Criteria Maximum

Age at entry of Insured Person

Minimum

10 years

5 years

Annual

` 25,000 annually

28 years

18 years

64 years

25 years

Up to the Policy Term

` 95,000 annually

54 years

An Illustration

Age at entry

30 years

Policy Term

15 Years

Premium Paying Term

15 years

Annual Premium

`50,000

Sum Assured

`5,00,000

Variable Benefits

Guaranteed LoyaltyAdditions^

Fund Value Fund Value

#Returns @ 8% per annum #Returns @ 4% per annum

Policy year Sum AssuredGuaranteed Loyalty

Additions^

thAt the end of 10 year

thAt the end of 15 year

All ages are as per the last birthday

5,00,000

5,00,000

16,531

31,366

6,69,092

12,24,724

13,782

23,450

5,37,514

8,80,203

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERSIRDA 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.