IDBI Fortis Wealthsurance Foundation Plan

Policy Holder's Name ***Enter Policy Holder name***

Life Insured's InformationLife Insured's Name ***Enter Life Insured's name***Date of Birth of Life Insured ***Enter Date of Birth***Attained age ( age last birthday ) 0Gender ***Select Gender***Mode of Premium Payment ***Select Mode***Term (in years) ***Enter Policy Term***Premium Payment Term (in years) ***Enter Premium Paying Term***Amount of Installment premium ( in Rs.) ***Enter Premium Amount***Annualised Premium (in Rs.) 0Sum Insured (in Rs.) ***Enter Sum Insured***

Riders are not allowed for entry age less than 18 years 0

Available Riders Sum Assured Term

(in Rs.) (in years) Accidental Death BenefitAccidental Death and Disablement BenefitMajor Diseases BenefitHospital Cash Benefit

NameDate of Birth of Policy Owner ***Enter Date of Birth***Attained age 0WOP benefit on Death can not be taken if the Life Insured and Policy Owner are the same person.Available Riders Applicable Sum Assured Term

( Yes / No ) (in Rs.) (in years) Waiver of Premium Benefit on TPD# 0 0Waiver of Premium Benefit on Death 0 0

**Total allocation percentage should be 100%.Funds Available Allocation percentage(%) ChargesMonthly interest account 1.00%Guaranteed return fund 1.50%Capital guaranteed fund 2.25%Market linked fundsEquity growth fund 2.00%Nifty index fund 1.75%Bond fund 1.50%Income fund 1.25%Liquid fund 1.00%Asset allocator fundsAggressive asset allocator fund* 2.75%Moderate asset allocator fund* 2.25%Cautious asset allocator fund* 1.875%Average Fund Management Charge 0% 0.000%Note : Min. investment % in any Fund = 15% **Total allocation percentage should be 100%. Max. investment % in any Fund = 100%, except Liquid Fund where Max. = 40%

CHK1

Policy Owner's Information (in case of WOP Riders)

Capital guaranteed fund should be allowed only for single premium and in regular premium for PPT less than or equal to 5

IFLI/NB/BI/WS/v11.0/0309 OUT : 1001

IDBI Fortis Wealthsurance Foundation Plan (Regular Premium) - Benefit Illustration Proposal No. -

( Product Unique Identification No. - 135L001V01 ) Policy No. -IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Personal and policy detailsRiders Details

Sum Annual Rider Term of Effective Annual Yield Insured Person : - Insured Premium Rider Current Age : 0 charge Benefit Gender : 0 Major Diseases Benefit (UIN : 135C005V01) - - - - - Sum Insured : 0 Accidental Death Benefit (UIN : 135C001V01) - - - - - 6% rate : #N/A 6% rate : #N/A Policy Term : 0 Accidental Death and Disablement Benefit (UIN : 135C002V01) - - - - - 10% rate : #N/A 10% rate : #N/A Premium Payment Term : 0 Hospital Cash Benefit (UIN : 135C004V01) - - - - - Mode of Premium Payment : 0 Waiver of Premium Benefit on TPD# (UIN : 135C006V01) - - - - - Amount of Installment Premium : 0 Waiver of Premium Benefit on Death (UIN : 135C003V01) - - - - - Annualised Premium : 0 **Service Tax and Education Cess at rate of 10.30% of mortality & terminal illness and rider charges is allowed for in this illustration. This rate may vary. Maturity Date : 3 May 2023

This illustration shows how charges and variations in investment earnings will affect the benefits payable under this policy. The illustration does not say to simulate the performance of any particular option in the range from the IDBI Fortis Investment Basket.

Fund Fund Maturity Date Guaranteed unit price at fund maturity *Error* : Please check Date of Birth in the Input sheet.Guaranteed Return Fund 31 August 2013 Rs 15.03 *Error* : Please check Sum Insured in the Input sheet.

Capital Guaranteed Fund 28 February 2014 Rs 10.00 *Error* : Please check Total Fund Proportion in the Input sheet.Assuming gross interest rate of 6% Assuming gross interest rate of 10%

Total charges

Variable Guaranteed

Total charges

Variable Guaranteed

Death Benefit Death Benefit

- 0 - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A - #N/A #N/A #DIV/0! #N/A #N/A #N/A - #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A - #N/A #N/A #DIV/0! #N/A #N/A #N/A - #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A - - - #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A #N/A #DIV/0! #N/A #N/A #N/A #N/A #N/A

THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATION PURPOSE. All the monetary values are in Rupees (Cont. to page 2)

Note: Some benefits are guaranteed and some benefits are variable with returns based on the future performance of IDBI Fortis Life Insurance Company Limited. 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. These assumed rates of return are not guaranteed and they are not the 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.

Service tax and Education cess

Total rider premium charge**

With mortality & terminal illness and rider charges

Without mortality & terminal illness and rider charges

IDBI Fortis currently offers two guaranteed fund options. The Guaranteed Return Fund provides a fixed minimum growth in the unit price over the fund term. The Capital Guarantee Fund, while giving exposure to equities, guarantees the return of at least the face value of each unit on the specified maturity date. If you have selected either of these options the applicable guaranteed minimum unit prices and fund maturity dates are shown below :

Policy Year

Age at start of policy year

Annualised Regular Premium

Amount of Premium Allocation charges

Amount available for investment

(out of premium)

Amount of Policy

Administration charges

Fund Management

charge

Amount of Mortality &

Terminal Illness and

Rider charges**

Gross Investment earnings on

Fund

Fund Management

charge

Amount of Mortality &

Terminal Illness and

Rider charges**

Gross Investment earnings on

FundFund Value at

Year end Surrender

Value at year end

Fund Value at Year end

Surrender Value at year

end

IFLI/NB/BI/WS/v11.0/0309 OUT : 1001

Important notes : Please read this illustration in conjunction with the policy pack.

1 The benefit on survival to maturity date is the fund value at the end of the policy term. Mortality & Terminal Illness charges per Rs 1000 of Sum at Risk :2 The benefit on death during the policy term is the greater of the sum insured and the fund value on the date of valid notification of death to us. Rate Rate RateNote that the terminal illness benefit is equal to the death benefit, subject under certain conditions to a maximum of Rs 25,00,000. Refer to the

policy pack for full details. 0 0.00 26 1.82 51 5.913 The policy acquires a surrender value after completion of 3 policy years and partial withdrawals may be made after completion of 3 policy years. 1 0.00 27 1.85 52 6.534 This illustration does not show the effect of any top ups or partial withdrawals that you may choose to make. 2 0.00 28 1.87 53 7.215 This illustration has been prepared for premiums paid yearly and assuming that charges are deducted at the beginning of each policy year. For 3 0.00 29 1.89 54 7.96

premiums paid more frequently than yearly, the illustration will vary slightly. 4 0.00 30 1.91 55 8.776 The mortality & terminal illness charges are based on the excess of sum insured over the fund value and is deducted at the start of each policy 5 0.00 31 1.92 56 9.64

month by cancellation of units (although for simplicity this illustration assumes that the charge is calculated and deducted annually at the start of 6 0.00 32 1.92 57 10.58each policy year). 7 0.93 33 1.92 58 11.58

7 The policy administration charge of Rs 60 per month is deducted at the start of each policy month by cancellation of units (although for 8 0.93 34 1.93 59 12.65simplicity this illustration assumes that the charge is deducted annually at the start of each policy year). 9 0.93 35 1.96 60 13.77

8 We offer a range of unit linked funds and you can change the direction of your premiums or switch between funds at any time. The funds have 10 0.93 36 2.02 61 14.71different fund management charges depending upon the funds chosen. Fund management charges are adjusted daily against the unit price. 11 0.93 37 2.10 62 15.92

9 Tax benefits under Section 80C, 80D and 10(10D) of the Income Tax Act 1961 may be available and are subject to changes in the tax laws. 12 0.93 38 2.21 63 17.37Please consult your tax advisor for details. 13 0.90 39 2.33 64 19.08

10 **Service Tax and Education Cess at 10.30% of mortality & terminal illness and rider charges is allowed for in this illustration. 14 0.99 40 2.47 65 21.05 This rate may vary. We will charge you or deduct from your investment amount any taxes, duties or surcharges of whatever description 15 1.09 41 2.64 66 23.26levied or that may be levied by any statutory authority. 16 1.25 42 2.83 67 25.73

11 Government of India, vide notification No. 18/2008 dated 10th May 2008, has levied service tax on services in relation to management of 17 1.33 43 3.07 68 28.46investment under Unit Linked Insurance Plans (ULIPs) with effect from the date of 16th May 2008. Therefore in accordance with the guidelines 18 1.41 44 3.32 69 29.90we will deduct additional service tax for Premium Allocation Charges, Policy Administration Charges and Fund Management Charges. 19 1.47 45 3.54 70 33.65Your amount invested and returns will be lower than illustrated to the extent of deduction of service tax. 20 1.54 46 3.78 71 37.81Important things you must understand about your Unit Linked Policy : 21 1.60 47 4.08 72 42.42

12 The past performance of any fund of the company is not necessarily indicative of the future performance of that fund. 22 1.65 48 4.44 73 47.5113 Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. 23 1.70 49 4.87 74 53.1314 The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the 24 1.75 50 5.36 75 59.32

units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for 25 1.79 his/her decisions.

15 IDBI Fortis Life Insurance Company Limited is only the name of the Insurance Company and IDBI Fortis Wealthsurance Foundation Plan is only 22 Rider premium charge: If any rider benefits are attached to this policy the annual premiums in respect of these riders are shown in the policy schedule. the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. The rider premiums are charged to you by cancelling units to the value of one twelfth of the annual rider premium at the beginning of each policy

16 Please know the associated risks and the applicable charges from your Insurance agent or the Intermediary or the policy document of the insurer. month (although for simplicity this illustration assumes that the charge is calculated and deducted annually at the start of each policy year).17 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 **We will also deduct service tax, surcharges, cess and any other levies applicable to the rider premium charges.

prospects and returns.Charges and Glossary for various terms of charges used : Rider Charges per Rs 1000 of Sum Insured :

18 Premium Allocation Charge : Your annualised regular premiums are allocated to units in the unit linked funds you have chosen after deducting Major Diseases Benefit (UIN : 135C005V01) - #N/A Accidental Death Benefit (UIN : 135C001V01) -

19 Fund Management Charge : 0.000% Accidental Death and Disablement Benefit (UIN : 135C002V01) - Hospital Cash Benefit (UIN : 135C004V01) -

Funds Selected Allocation % Charges Funds Selected Allocation % Charges Waiver of Premium Benefit on TPD# (UIN : 135C006V01) - Monthly interest account 0% 1.00% Income fund 0% 1.25% Waiver of Premium Benefit on Death (UIN : 135C003V01) - Guaranteed return fund 0% 1.50% Liquid fund 0% 1.00% #Waiver of Premium Benefit on Total and Permanent DisablementCapital guaranteed fund 0% 2.25% Aggressive asset allocator fund* 0% 2.75%Equity growth fund 0% 2.00% Moderate asset allocator fund* 0% 2.25% I, , having received the information with respect to the above, have understood the above statementNifty index fund 0% 1.75% Cautious asset allocator fund* 0% 1.875% before entering into the contract.Bond fund 0% 1.50% *estimated

Marketing official's Policyholder's Signature 20 The policy administration charge is Rs 60 per month which we deduct by cancelling units at the beginning of each policy month. Signature :21 Mortality & terminal illness charge : At the beginning of each policy month we will calculate the mortality & terminal illness charge for your Company Seal :

policy :• The life cover is the amount by which the sum insured exceeds the fund value.• The mortality & terminal illness charge is the premium rate for the age of the insured person multiplied by the life cover.• If your fund value is greater than the sum insured then the life cover is nil and we will not deduct any mortality & terminal illness charge. Place : ( )• We will deduct the mortality & terminal illness charge from the fund value by cancelling units. Date : • There is no sum insured and no mortality & terminal illness charge for a child aged less than seven.• We will also deduct service tax, surcharges, cess and any other levies applicable to the mortality & terminal illness charge.• The premium rates are one twelfth of the rates set out in the following table :

IDBI Fortis Life Insurance Company Limited Registered Office : 1st Floor,Tradeview, Oasis Complex, Kamala City, P.B. Marg, Lower Parel (W), Mumbai - 400 013, India.

Registration Number : 135, Website : www.idbifortis.com Toll-Free : 18001025005 (For non-MTNL subscribers) /1800221120 (for MTNL subscribers)

Insurance is the subject matter of the solicitation.

Age last birthday

Age last birthday

Age last birthday

IDBI Fortis Wealthsurance Foundation Plan (Regular Premium) - Sales Illustration ( Product Unique Identification No. - 135L001V01 )IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Personal and policy detailsRiders Details

Sum Annual Rider Term of Effective Annual Yield Insured person : - Insured Premium Rider Current age : 0 charge Benefit Gender : 0 Major Diseases Benefit (UIN : 135C005V01) - - - - - Sum insured : 0 Accidental Death Benefit (UIN : 135C001V01) - - - - - 6% rate : #N/A 6% rate : #N/A Policy term : 0 Accidental Death and Disablement Benefit (UIN : 135C002V01) - - - - - 10% rate : #N/A 10% rate : #N/A Premium payment term : 0 Hospital Cash Benefit (UIN : 135C004V01) - - - - - Mode of Premium Payment : 0 Waiver of Premium Benefit on TPD# (UIN : 135C006V01) - - - - - Amount of Installment Premium : 0 Waiver of Premium Benefit on Death (UIN : 135C003V01) - - - - - Annualised Premium : 0 **Service Tax and Education Cess at rate of 10.30% of mortality & terminal illness and rider charges is allowed for in this illustration. This rate may vary. Maturity Date : 3 May 2023

This illustration shows how charges and variations in investment earnings will affect the benefits payable under this policy. The illustration does not say to simulate the performance of any particular option in the range from the IDBI Fortis Investment Basket.

Fund Fund Maturity Date Guaranteed unit price at fund maturityGuaranteed Return Fund 31 August 2013 Rs 15.03

Capital Guaranteed Fund 28 February 2014 Rs 10.00Assuming gross interest rate of 6% Assuming gross interest rate of 10%

Total charges

Variable Guaranteed

Total charges

Variable Guaranteed

Death Benefit Death Benefit

- 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A - #N/A - #N/A #DIV/0! #N/A #N/A - #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A - #N/A - #N/A #DIV/0! #N/A #N/A - #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A - 0 - #N/A #N/A - - #N/A #DIV/0! #N/A #N/A #N/A #N/A - #N/A #DIV/0! #N/A #N/A #N/A #N/A

THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATION PURPOSE. All the monetary values are in Rupees (Cont. to page 2)

Note: Some benefits are guaranteed and some benefits are variable with returns based on the future performance of IDBI Fortis Life Insurance Company Limited. 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. These assumed rates of return are not guaranteed and they are not the 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.

Service tax and Education cess

Total rider premium charge**

With mortality & terminal illness and rider charges

Without mortality & terminal illness and rider charges

IDBI Fortis currently offers two guaranteed fund options. The Guaranteed Return Fund provides a fixed minimum growth in the unit price over the fund term. The Capital Guarantee Fund, while giving exposure to equities, guarantees the return of at least the face value of each unit on the specified maturity date. If you have selected either of these options the applicable guaranteed minimum unit prices and fund maturity dates are shown below :

Policy Year

Age at start of policy year

Annualised Regular

Premium + Top-Ups

Amount of Premium +

Top-Up Allocation charges

Amount available for investment

(out of premium)

Amount of Policy

Administration charges

Partial Withdrawal

Amount

Fund Management

charge

Amount of Mortality & Terminal

Illness and Rider

charges**

Partial Withdrawal

Amount

Fund Management

charge

Amount of Mortality & Terminal

Illness and Rider

charges**

Fund Value at Year end

Surrender Value at year

endFund Value at

Year endSurrender

Value at year end

Important notes : Please read this illustration in conjunction with the policy pack.

1 The benefit on survival to maturity date is the fund value at the end of the policy term. Mortality & Terminal Illness charges per Rs 1000 of Sum at Risk :2 The benefit on death during the policy term is the greater of the sum insured and the fund value on the date of valid notification of death to us. Rate Rate RateNote that the terminal illness benefit is equal to the death benefit, subject under certain conditions to a maximum of Rs 25,00,000. Refer to the

policy pack for full details. 0 0.00 26 1.82 51 5.913 The policy acquires a surrender value after completion of 3 policy years and partial withdrawals may be made after completion of 3 policy years. 1 0.00 27 1.85 52 6.534 This illustration also shows the effect of any top ups or partial withdrawals that you may choose to make. 2 0.00 28 1.87 53 7.215 This illustration has been prepared for premiums paid yearly and assuming that charges are deducted at the beginning of each policy year. For 3 0.00 29 1.89 54 7.96

premiums paid more frequently than yearly, the illustration will vary slightly. 4 0.00 30 1.91 55 8.776 The mortality & terminal illness charges are based on the excess of sum insured over the fund value and is deducted at the start of each policy 5 0.00 31 1.92 56 9.64

month by cancellation of units (although for simplicity this illustration assumes that the charge is calculated and deducted annually at the start of 6 0.00 32 1.92 57 10.58each policy year). 7 0.93 33 1.92 58 11.58

7 The policy administration charge of Rs 60 per month is deducted at the start of each policy month by cancellation of units (although for 8 0.93 34 1.93 59 12.65simplicity this illustration assumes that the charge is deducted annually at the start of each policy year). 9 0.93 35 1.96 60 13.77

8 We offer a range of unit linked funds and you can change the direction of your premiums or switch between funds at any time. The funds have 10 0.93 36 2.02 61 14.71different fund management charges depending upon the funds chosen. Fund management charges are adjusted daily against the unit price. 11 0.93 37 2.10 62 15.92

9 Tax benefits under Section 80C, 80D and 10(10D) of the Income Tax Act 1961 may be available and are subject to changes in the tax laws. 12 0.93 38 2.21 63 17.37Please consult your tax advisor for details. 13 0.90 39 2.33 64 19.08

10 **Service Tax and Education Cess at 10.30% of mortality & terminal illness and rider charges is allowed for in this illustration. 14 0.99 40 2.47 65 21.05 This rate may vary. We will charge you or deduct from your investment amount any taxes, duties or surcharges of whatever description 15 1.09 41 2.64 66 23.26levied or that may be levied by any statutory authority. 16 1.25 42 2.83 67 25.73

11 Government of India, vide notification No. 18/2008 dated 10th May 2008, has levied service tax on services in relation to management of 17 1.33 43 3.07 68 28.46investment under Unit Linked Insurance Plans (ULIPs) with effect from the date of 16th May 2008. Therefore in accordance with the guidelines 18 1.41 44 3.32 69 29.90we will deduct additional service tax for Premium Allocation Charges, Policy Administration Charges and Fund Management Charges. 19 1.47 45 3.54 70 33.65Your amount invested and returns will be lower than illustrated to the extent of deduction of service tax. 20 1.54 46 3.78 71 37.81Important things you must understand about your Unit Linked Policy : 21 1.60 47 4.08 72 42.42

12 The past performance of any fund of the company is not necessarily indicative of the future performance of that fund. 22 1.65 48 4.44 73 47.5113 Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. 23 1.70 49 4.87 74 53.1314 The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the 24 1.75 50 5.36 75 59.32

units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for 25 1.79 his/her decisions.

15 IDBI Fortis Life Insurance Company Limited is only the name of the Insurance Company and IDBI Fortis Wealthsurance Foundation Plan is only 22 Rider premium charge: If any rider benefits are attached to this policy the annual premiums in respect of these riders are shown in the policy schedule. the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. The rider premiums are charged to you by cancelling units to the value of one twelfth of the annual rider premium at the beginning of each policy

16 Please know the associated risks and the applicable charges from your Insurance agent or the Intermediary or the policy document of the insurer. month (although for simplicity this illustration assumes that the charge is calculated and deducted annually at the start of each policy year).17 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 **We will also deduct service tax, surcharges, cess and any other levies applicable to the rider premium charges.

prospects and returns.Charges and Glossary for various terms of charges used : Rider Charges per Rs 1000 of Sum Insured :

18 Premium Allocation Charge : Your annualised regular premiums are allocated to units in the unit linked funds you have chosen after deducting Major Diseases Benefit (UIN : 135C005V01) - #N/A Accidental Death Benefit (UIN : 135C001V01) -

19 Fund Management Charge : 0.000% Accidental Death and Disablement Benefit (UIN : 135C002V01) - Hospital Cash Benefit (UIN : 135C004V01) -

Funds Selected Allocation % Charges Funds Selected Allocation % Charges Waiver of Premium Benefit on TPD# (UIN : 135C006V01) - Monthly interest account 0% 1.00% Income fund 0% 1.25% Waiver of Premium Benefit on Death (UIN : 135C003V01) - Guaranteed return fund 0% 1.50% Liquid fund 0% 1.00% #Waiver of Premium Benefit on Total and Permanent DisablementCapital guaranteed fund 0% 2.25% Aggressive asset allocator fund* 0% 2.75%Equity growth fund 0% 2.00% Moderate asset allocator fund* 0% 2.25%Nifty index fund 0% 1.75% Cautious asset allocator fund* 0% 1.875%Bond fund 0% 1.50% *estimated

20 The policy administration charge is Rs 60 per month which we deduct by cancelling units at the beginning of each policy month.21 Mortality & terminal illness charge : At the beginning of each policy month we will calculate the mortality & terminal illness charge for your

policy :• The life cover is the amount by which the sum insured exceeds the fund value.• The mortality & terminal illness charge is the premium rate for the age of the insured person multiplied by the life cover.• If your fund value is greater than the sum insured then the life cover is nil and we will not deduct any mortality & terminal illness charge.• We will deduct the mortality & terminal illness charge from the fund value by cancelling units.• There is no sum insured and no mortality & terminal illness charge for a child aged less than seven.• We will also deduct service tax, surcharges, cess and any other levies applicable to the mortality & terminal illness charge.• The premium rates are one twelfth of the rates set out in the following table :

IDBI Fortis Life Insurance Company Limited Tradeview, Oasis Complex, Kamala City, P.B. Marg, Lower Parel (W), Mumbai - 400 013, India.

Registration Number : 135, Tel : +91 22 2490 8109/10, Website : www.idbifortis.com Insurance is the subject matter of the solicitation.

Age last birthday

Age last birthday

Age last birthday

Supplementary Illustration for Guaranteed Return FundsAbout this illustration

This illustration shows an investment of Rs 1,00,000. For other amounts the illustration applies proportionately.

Lower rate (6% annual return) Higher rate (7.75% annual return)

Date Unit price Fund value Unit price Fund value

Guaranteed Fund commencent date 0 1 Jan 2008 10.0000 10.0000 Date of investement in Guaranteed Fund 27 days 27 Jan 2008 100,000 10.0326 9,967.51 100,000 10.0449 9,955.30 100,000

1 year 31 Dec 2008 10.4500 104,160 10.6250 105,7752 years 31 Dec 2009 10.9202 108,847 11.2890 112,3853 years 31 Dec 2010 11.4116 113,745 11.9946 119,4104 years 31 Dec 2011 11.9251 118,864 12.7442 126,872

Guaranteed Fund maturity date 5 years 31 Dec 2012 12.4618 124,213 13.5408 134,803

The prevailing fund unit price as on 31 December 2012 is (a) 12.4618 13.5408 The guaranteed unit price on 31 December 2012 is (b) 13.5089 13.5089

Therefore, on 31 December 2012, your fund maturity proceeds will be 13.5089 9,967.51 134,650 13.5408 9,955.30 134,803

Our guarantee

Operation of the fund

This supplementary illustration is intended to describe how the Guaranteed Return Fund works, the effect of the investment returns after deducting the 1.50% pa fund management charge and to show the extent of the guarantee. For simplicity it ignores administration, mortlity and rider premium charges. You must read this supplementary illustration in conjuction with the personalised benefit illustration above to see the effect of these charges.

Guaranteed Return Fund - Maturity Date 31 December 2012 at a minimum unit price of 13.5089

Investment amount Allocated

unitsAllocated

units

We guarantee that the unit price of the guaranteed return fund will not be less than 13.5089 on the fund maturity date on 31 December 2012.There is no guarantee on any other date. If you decide to withdraw from the Guaranteed Return Fund before the maturity date by way of switch or partial withdrawal, and to meet administration, mortality and rider premium charges, we will cancel the required number of units at the prevailing unit price. For switches and partial withdrawals, we will also apply a surrender charge of 2% of the proceeds.

The Guaranteed Return Fund is a close end fund with a maturity date on 31 December 2012. The fund commenced on 1 January 2008 and has a fixed maximum term of 5 years. We will accept new subscritions for a limited amount of time following the fund commencement date, typically two or three months, depending on changing investment conditions.

A new policyholder who invests in the fund may be an investor in the fund for less than 5 years. In the illustration above, our policyholder has invested 27 days after the fund commenced, and will therefore be an investor in the fund for four years, eleven months and four days.

The unit price of the fund on the commenecement date was 10.0000 and when our policyholder invests 27 days later, the unit price could be 10.0326 or 10.0449 or some other amount depending on the actual investment return over the 27 days. The number of units allocated to our policyholder will therefore depend on the day he or she invests, and on the unit price on that day.

The maturity proceeds will be based on the greater of the prevailing fund unit price on the date of maturity (a) and the guranteed unit price (b)