ICICI Pru Cash Advantage
*Guaranteed Cash Benefit is a regular payout which you will receive each month of the 10 year period, starting from the beginning of the payout phase. Your regular payout will be equal to 1 % of the Guaranteed Maturity Benefit. You can also chose to receive this payout every year instead of every month. In this case your regular payout will be 11.5% of Guaranteed Maturity Benefit. Guaranteed benefits are available only if all premiums are paid as per the premium paying term and the policy is in–force till the completion of entire policy term opted. Guaranteed Cash Benefit is payable at the beginning of each policy month during the payout term in case the cash benefit mode is monthly and at the beginning of each policy year during the payout term in case the cash benefit mode is annual.
**Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. Contingent reversionary bonus may be declared every financial year and will accrue only when a policy is made paid-up or a fully paid policy is surrendered. Contingent reversionary bonus, if any, will be paid on maturity, surrender or earlier death. A terminal bonus may also be payable at maturity or on earlier death.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Cash Advantage Form No.: E10, UIN 105N132V02
ICICI Pru Savings Suraksha
*Guaranteed benefits are payable if all due premiums have been paid and the policy is in force. Guaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium. Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on age, policy term, premium, premium payment term, sum assured and gender. Your GMB may be lower than your Sum Assured.
**Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any. Reversionary bonus, if any, will be declared each year during the term of the policy starting from the first policy year.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Savings Suraksha UIN 105N135V02
ICICI Pru Future Perfect
*Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on age, policy term, premium amount, premium payment term and gender and may be lower than the Sum Assured on death. Guaranteed Additions (GA) is a percentage (%) of Annualized premium. During the premium payment term, GA will accrue on premium payment** and after the payment term GA will accrue at the beginning of the policy year where ** is for monthly premium frequency, ½th times GA will be accrued every month on premium payment. For half yearly premium frequency, 0.5 times GA will be accrued on premium payment. Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.
** Bonus includes Reversionary bonuses which may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus if any, may also be payable at maturity or on earlier death. If the policy offers guaranteed returns, then these will be clearly marked 'guaranteed'.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Future Perfect Form No. E21 UIN 105N153V02
