This document summarizes an insurance plan that offers flexibility for customers to manage their investments and build wealth as they choose. It provides 1) options to design the plan based on needs, 2) manage investments yourself by choosing funds or 3) leave investments to fund managers. It also offers life cover benefits, tax benefits, partial withdrawals, maturity proceeds in installments, and exclusive funds for beneficiaries.

1. You get guaranteed loyalty additions at the end of the 10th
policy year and every 5 years thereafter as a reward for staying
invested in the plan.
4Guaranteed loyalty additions
to boost your savings
You can choose to leave the management of your investments to
our fund managers by simply indicating how much risk you are
prepared to take. We give you a choice of three risk levels:
Cautious, Moderate and Aggressive.
3Leave it
to experts
Our 9 fund offerings called the IDBI Investment basket enables
you to manage your investments on your own. You can choose to
invest in one or more of these funds and also switch between
these funds as per your changing needs, at no extra cost. This
option is best suited to you if you have the expertise and time to
manage your investments.
2Manage investments
on your own
You choose how much you would like to invest annually and for
how long. Also, you define the duration for which you would like
to keep the policy in force keeping both protection and
investment needs in mind.
1Design your plan
as per your needs
As a smart and dynamic individual, you have always charted your own path through life. So when it comes to investing your
hard-earned money, you definitely want to be in complete control.
Presenting, IDBI Federal Wealthsurance Growth Insurance Plan, a plan that gives you complete flexibility building your wealth,
exactly the way you want. What’s more, it comes with a life cover benefit ensuring financial security for your loved ones.
*IDBI Federal Wealthsurance Growth Insurance Plan will be hereafter referred to as ‘Wealthsurance Growth’ throughout
the document.
It’s your wealth.
Build it your way.
A unit linked plan that lets you choose
how you build your wealth.
1

2. So go ahead and invest in a simple and convenient plan to build your wealth!
You get tax benefits under section 80 C and 10(10D) as per
provisions of the Income Tax Act, 1961. However, you are
advised to consult your tax advisor for details as tax laws may
change from time to time.
6Tax
benefits
Trust your responsibilities with IDBI Federal Life Insurance, a
collaboration of 3 strong financial institutions - 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.
10Strong
parentage
At maturity, you can choose to withdraw your fund value in parts
within 5 years from the maturity date instead of taking a lump
sum amount. During this period, your fund value will participate
in the various funds as before but the life cover will not
be applicable.
8Option to receive maturity proceeds in
installments through settlement option
You can endorse your Wealthsurance Growth under the
Married Women's Property Act, 1874 to create an exclusive
fund for your wife and children that will be legally secure from
creditors and claimants.
9Exclusive funds for loved ones under
Married Women’s Property Act, 1874
In case of your unfortunate demise, your beneficiary will get
death benefit as an amount which is higher of the sum assured or
the fund value at that time. In any case, the death benefit will be
at least 105% of the total premiums paid till that date.
5Life cover benefit for the financial
security of your loved ones
In case of any emergency fund requirement, you can make
partial withdrawals from your policy account. These withdrawals
can be made after completion of 5 policy years and are subject to
a minimum of `10,000 and maximum of 20% of your fund value
at the beginning of the corresponding policy year. The fund
value after the partial withdrawal should not be less than one
year's regular annual premium. For more details on partial
withdrawals please refer the product brochure.
7Easy access to your investment
through partial withdrawals
IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.
The Linked Insurance Products do not offer any liquidity during the first five 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.
Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. 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 laws from time to time. IDBI Federal Wealthsurance Growth 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 Growth Insurance Plan (UIN : 135L036V01) 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.: 12284/WGIPR/ENG/FL2/OCTOBER14/V1
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
?IRDA clarifies to public that IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
?IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.