¹ Life Insurance Cover is the benefit payable on death of the Life Assured during the policy term

^{^} Guaranteed Benefits will be payable subject to all due premiums being paid.

² MoneyBack Benefit can be taken upto 5 times in a policy term, after the premium payment term till the policy maturity date. The MoneyBack amount and payout dates shall be chosen at policy inception and cannot be changed throughout the policy term. Selection of the MoneyBack option shall result in a corresponding adjustment to the Guaranteed Maturity Benefit. You have an option to choose either

a. Equal payout: The amount payable will be equal in each payout.

b. Increasing payout: The payouts will be in an increasing manner. The amount payable will be increasing with each payout.

³ Guaranteed Maturity Benefit will be payable at the end of the policy term as Maturity Benefit and shall be adjusted for the benefit paid under the Special Achievement Award (if exercised) and the amount and timing of MoneyBack benefits paid or payable under the Policy.

⁹ Assured Benefit is defined as Annualized Premium multiplied by the Premium Payment Term chosen by the policyholder at the time of purchase of the policy. This benefit is not payable on any event under this product and is only used for the computation of MoneyBack benefits and Family Income Benefit.

⁴ Following the death of the Life Assured and subsequent intimation to the company (provided all due premiums have been paid until the date of death of the Life Assured), the company shall waive all future premiums as and when payable under the policy (after the date of death) and the policy shall continue till the end of policy term. The policy shall pay the MoneyBack benefits (if applicable) on the respective future due dates as originally chosen by the policyholder along with the Guaranteed Maturity Benefit.

⁵ This optional feature can be exercised only once during the entire policy term and is applicable to your policy only if the nominee named at the time of purchase of the policy is your biological or legally adopted child and they achieve any one of the below listed achievements:

•Admission in one of the top 5 universities of the world (published as per the QS World University rankings)

•Qualifying for Olympics, Paralympics or Winter Olympics in any sport for India.

•Winning Gold, Silver or Bronze medal in Asian Games, Commonwealth Games,

•Winning Gold, Silver or Bronze medal in Delphic Games in any art category for India.

On exercise of this feature, an amount equal to 20% of the Guaranteed Maturity Benefit under the policy shall become payable as lumpsum. This feature cannot be exercised when the policy is a paid-up policy.

⁶ Family Income Benefit is an optional benefit and applicable under your policy only if opted by you at policy inception. This is benefit is payable in the event of death of the life assured and shall be paid as regular income equal to 10% of Assured Benefit on each subsequent policy anniversary following the date of death of the life assured till the date of maturity provided all due premiums have been paid until the date of death of life assured

⁷ Under the Flexi Save option, the policyholder at any point of time during the policy term, has an option to accumulate all or remaining MoneyBack benefit(s)(if opted for at the inception of the policy) with the company instead of receiving it on the respective due dates. Such accumulated Moneyback Benefit shall earn a loyalty addition that shall accrue daily at the prevailing reverse repo rate published by Reserve Bank of India (RBI). Such accumulated MoneyBack Benefits can be withdrawn partly/ fully at any time during the policy term. Post withdrawal, the balance if any and all future moneyback benefit(s) (if any), shall continue to accumulate with daily accrual of loyalty addition as above until a specific request for opt out is received by us.

⁸ 100% Tax free Returns, tax-free payouts, under the policy are subject to satisfaction of conditions prescribed u/s 10(10D) of the Income Tax Act, 1961. Policies issued on or after April 01, 2023 where aggregate premium(including top-up premiums and rider premiums) payable during the term of the policy/policies in respect of Non-unit linked life insurance policies more than Rs 5 lakh per year per person is not exempt u/s 10(10D). Tax benefits/Tax-free returns/Tax savings under the policy are subject to conditions under Sections 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Applicable taxes, if any will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. Please consult your tax advisor for more details.

^& 13% additional payouts at maturity as an online buyer, existing customer or ICICI Pru group employee

^% You can take a policy loan after your policy acquires a positive surrender value. Loan amount of up to 80% of Surrender Value can be availed.

^> Minimum Investment for this plan:

Applicable Taxes will be taken separately, as per applicable rates. The tax laws are subject to amendments from time to time.

^~Rising cost of education: https://www.thehindu.com/opinion/lead/the-stark-reality-of-educational-costs-in-india/article70385413.ece https://vaidsics.com/current-affairs/the-stark-reality-of-educational-costs-in-india https://www.bbc.com/news/articles/c2le1l0pv95o

ICICI Pru SmartKid 360 UIN :

E/II/1751/2025-26