Free-look clause:
If you are not satisfied with the policy, you may cancel it by returning the policy document to the Company within 30 days from the date you received it if your policy is purchased through Distance marketing* and 15 days from the date you received it, if your policy is not purchased through Distance Marketing*. On cancellation of the policy during the free look period, we will return the premium paid subject to the deductions as mentioned in the terms and conditions of respective products. The policy shall terminate on payment of this amount and all rights, benefits and interests under this policy will stand extinguished.
*Distance marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the modes such as Voice mode, which includes telephone-calling, Short Messaging service (SMS), Electronic mode which includes e-mail, internet and interactive television (DTH), Physical mode which includes direct postal mail and newspaper & magazine inserts and solicitation through any means of communication other than in person.

*The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses covered, please refer to the product brochure. The maximum accidental death benefit available is `2 Crore. ICICI Pru iProtect Smart UIN: 105N151V03 .

**On maturity, you will receive an amount which is higher of Assured Benefit or fund value. Assured Benefit will be 101% of total premium paid, which is applicable only on maturity of the policy and does not apply on death or surrender. You can utilise this benefit amount only as per the available options. Alternatively, you can choose to postpone your vesting date. 

^#Every year an amount called the Guaranteed Addition is added to the policy. Guaranteed Addition (GA) is equal to the predetermined Guaranteed Addition rate multiplied by the sum of all premiums paid till date (excluding extra mortality premiums and taxes).

Unlike traditional products, Unit Linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. The names of the Company, Product names or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns.

ICICI Pru LifeTime Classic
^{^}The Company will allocate extra units as below provided all due premiums have been paid:

• ^{^}For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year.
• Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above.
• ⁺Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.
• Loyalty Additions and Wealth Boosters will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.
• The allocation of Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.
• If the premium payment is discontinued anytime after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above.

^` The Policyholder can have funds in only one of the Portfolio Strategies. UIN: 105L155V01

ICICI Pru Elite Life Super
^{^}The Company will allocate extra units as below provided all due premiums have been paid:

• ^{^}For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year.
• Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above.
• ⁺Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.
• Loyalty Additions and Wealth Boosters will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.
• The allocation of Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.
• If the premium payment is discontinued anytime after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above.

^` The Policyholder can have funds in only one of the Portfolio Strategies. UIN: 105L156V01

ICICI Pru Elite Wealth Super
^{^}The Company will allocate extra units as below provided all due premiums have been paid:

• ^{^}For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year.
• Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above.
• ⁺Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.
• Loyalty Additions and Wealth Boosters will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.
• The allocation of Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.
• If the premium payment is discontinued anytime after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above.

^` The Policyholder can have funds in only one of the Portfolio Strategies. UIN: 105L15701