IDBI Life Money Back Plans

To ensure that you do not face any financial difficulties in the future, it is important that you plan well ahead. is a non-linked, non-participating money back plan which gives you guaranteed returns on your investment, so that your future is completely secure. What’s more, it ensures that your family’s future is secure as well, even if it so happens that you are not around to provide for them.

Incomesurance Guaranteed Money Back Insurance Plan:


  • Premiums need only be paid for the first five years of the policy
  • Flexibility to choose premium amount as per your needs
  • Get two tax benefits of 80C and 10(10D)
  • Get guaranteed annual payouts from 6th to 10th year of the policy
  • with life cover for 10 years of policy term

How does Incomesurance Work?

Incomesurance is a simple IDBI Federal Life Insurance plan that can be quickly attained and offers guaranteed benefits. Premiums must be paid for 5 years, after which you will receive guaranteed annual payouts at the end of every year for the next 5 years. There is no ambiguity with the Incomesurance. You will know exactly how much you will receive as guaranteed annual payouts when you are purchasing the policy itself.

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GST of 18% is applicable on life insurance effective from the 1st of July, 2017

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Plan Benefits

Payment Options

Policy Coverage

Customer Service

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IDBI Life Money Back Plans Reviews

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  • IDBI Federal
    "Good for individual and needy"
    0.5 3.0/5 "Satisfactory"
    I have life insurance with IDBI federal for about 25 years. The policy has completed and I got the money back as well. The tenure is 25 years for this policy. The policy coverage need to be improved in future. According to me every individual good to have the life insurance for safety purpose not for for the investment purposes.
    Was this review helpful? 0
    , bhopal
    Reviewed on Apr 05, 2017
  • IDBI Federal
    IDBI Federal
    "Purely money back policy!"
    0.5 5.0/5 "Blown Away!"
    In 2009 I signed up a Life Insurance Policy with IDBI Federal. Payment is made on yearly basis. Once the payment is completed through online, I am getting the receipt in PDF formats to the registered email address. This is simply a money back policy with a tenure of 15 years.
    Was this review helpful? 0
    , kolkata
    Reviewed on Nov 25, 2015
  • IDBI Federal
    "Very nice..."
    0.5 5.0/5 "Blown Away!"
    I have money back plan and premium is for 13 years but the policy tenure is 16 years. I just need to pay the life insurance for 13 years and at the end of the tenure, IDBI Federal would provide 7.5% of interest along with the invested amount. Payment is now getting through my credit card.
    Was this review helpful? 0
    , mysore
    Reviewed on Jul 18, 2015
  • IDBI Federal
    "Income Insurance "
    0.5 3.5/5 "Pretty good"
    Holding a Life Insurance with IDBI provide good benefits for the income.I get regular money back of 8.5%yearly in this Life Insurance.Its basically a 15years plan for which I pay a premium of 30000 yearly.The Response towards customers is really poor they donâ??t have any dedicated customer service provided for the Insurance they do have only for Banking.
    Was this review helpful? 1
    , bangalore
    Reviewed on May 04, 2015
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