IDBI Federal Incomesurance Guaranteed Money Back Insurance Plan

Life is full of uncertainties. To be prepared, we try and predict what lies ahead. However, our minds are full of doubts as there is no way to guarantee the future. Incomesurance Guaranteed Money Back Insurance Plan is a plan which will enable you to stop predicting the future, and guarantee it instead !

  • Pay premiums only for the first 5 years
  • Guarantee as it should be – At the time of buying Incomesurance, you know exactly how much you will get as guaranteed annual payouts.
  • Financial protection against uncertainty – In case of your unfortunate death, your family will get 10 times the annual premium regardless of any payouts received by you in the past.
  • Flexibility to choose premium amount as per your needs – you can choose any premium amount based on how much money you want as guaranteed annual payouts from the end of 6th to 10th year of the policy.
  • Loan facility – Loan amount granted up to 85% of Guaranteed Surrender Value available under the policy subject to a minimum loan amount of Rs. 5,000.
  • Exclusive fund for your loved ones, under Married Women's Property Act, 1874, legally protected from creditors and claimants.
  • Two tax benefits, one on the premiums you pay and the other on the survival benefit/guaranteed annual payout you receive.

For more information on plan benefits, please refer to the product brochure.



IRDA Reference number- 12286/CILW/ENG/WLP/OCTOBER14/V1.

Age at entry of life insured (last birthday)


18 years


55 years

Age at maturity of the life insured (last birthday)


65 years

Death sum assured


10 times of annual premium





Not applicable

Premium payment period


5 years

Policy term


10 years

Survival benefit


Guaranteed annual payouts are paid at the end of every year from the 6th to the 10th policy year


Brochure - Click here to download



Insurance is the subject matter of solicitation. IDBI Federal Incomesurance Guaranteed Money Back Insurance Plan is a non-linked non-participating insurance plan (UIN: 135N031V01). The product is underwritten by IDBI Federal Life Insurance Company Limited (IRDA 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. Toll free number: 1800 209 0502 from Monday to Saturday between 8 am and 8 pm. Tax Benefits are as per the Income Tax Act, 1961 and are subject to changes in the tax laws from time to time. For more details on risk factors, please read sales brochure carefully before concluding a sale. www.idbifederal.com