ICICI Pru Guaranteed Pension Plan Flexi
¹ Please refer the product brochure for more details.
² Under Joint Life option the Secondary Annuitant can be either the spouse/child/parent/sibling of the Primary Annuitant.
³ Applicable for Joint Life options only.
^% For fully paid-up policies, this option can be exercised after the end of the deferment period. For other than fully paid-up policies, this option can be exercised after the end of the deferment period or after completion of revival period from the due date of the first unpaid premium, whichever is later. For a lapsed policy, this feature is not applicable. This feature can be exercised provided there is no outstanding loan amount. The minimum amount of lumpsum withdrawal will be ₹ 5,000 at the time of each exercise. Please refer to policy document for more terms and conditions.
^{^^} T&C Apply. ICICI Pru Guaranteed Pension Plan Flexi UIN -

ICICI Pru Saral Pension Plan
^~T&C apply
^{^^}Annuity will be payable in arrears. The frequency of annuity payments can be monthly, half-yearly, quarterly or annually as chosen by the annuitant at the time of purchasing the annuity. The annuity amount chosen at policy inception is guaranteed for life.
¹Under Joint Life option the Secondary Annuitant shall be the Spouse of the Primary Annuitant.
²The purchase price, i.e., the price with which you bought the plan is returned to your nominee in case of an unfortunate event. Please refer the product brochure for more details.
³Please refer the product brochure for more details.
⁴Tax benefits under the policy are subject to conditions under Section 80CCC, 115BAC and other provisions of the Income Tax Act,1961. Good and Service tax and Cesses, if any will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru Saral Pension Plan UIN: . ADVT: E/II/0244/2025-26

ICICI Pru Group Plans
^{^} Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
ICICI Pru Group Term Plus , ICICI Pru Group Loan Secure , ICICI Pru Group Insurance Scheme for Pradhan Mantri Jeevan Jyoti Bima Yojana . ICICI Pru Shubh Raksha Credit . ICICI Pru Shubh Raksha One . ICICI Pru Shubh Raksha Life ICICI Pru Super Protect Credit . ICICI Pru Group Unit Linked Employee Benefit Plan - . ICICI Pru Group Suraksha Plus - . ICICI Pru Group Immediate Annuity Plan - . ICICI Pru Group Unit Linked Superannuation - . ICICI Pru Group Suraksha Plus Superannuation - . ICICI Pru Super Protect – Life - . ADVT: W/II/1119/2024-25

ICICI Pru Group Loan Secure
**AD Benefit is equal to Death Benefit. If this benefit is selected, in case of death of the member due to accident, AD Benefit will be payable in addition to Death Benefit. On payment of this benefit, member’s risk cover will cease.
*The critical illness benefit is an accelerated benefit & the death benefit will be reduced by the critical illness cover paid to the policyholder. ICICI Pru Group Loan Secure

ICICI Pru Rural Plans
^Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
ICICI Pru Sarv Jan Suraksha Advt No: W/II/0673/2023-24

ICICI Pru EzyGrow
¹ Return of Mortality and Policy Administration charges from 6th year.
^{^} Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961.
ICICI EzyGrow UIN: . Advt No: W/II/1271/2023-24

ICICI Pru Non-Linked Accidental Death and Disability Rider

¹Accidental death benefit option: Under this option, if the person whose life is covered by this benefit option (known as the Life Assured) passes away, due to an accidental death which happens within the Coverage term such that death happens 180 days from the date of accident, the sum assured for ADB will be paid out as a lump sum to the person specified (known as the Claimant) in the policy, provided the benefit option is in-force at the time of the accident. Sum Assured available under Accidental Death Benefit option will be up to three times the Sum Assured on Death at inception for the base policy.

²Accidental total and permanent disability benefit option: If the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider policy document.

³Sum assured here refers to life cover available under the base policy at inception. Life cover is the benefit payable on death of the Life Assured during the policy term.

ICICI Pru Non-Linked Accidental Death and Disability Rider. UIN: . ADVT: W/II/0848/2024-25

ICICI Pru Linked Accidental Death and Disability Rider

¹Accidental death benefit option: Under this option, if the person whose life is covered by this benefit option (known as the Life Assured) passes away, due to an accidental death which happens within the Coverage term such that death happens 180 days from the date of accident, the sum assured for ADB will be paid out as a lump sum to the person specified (known as the Claimant) in the policy, provided the benefit option is in-force at the time of the accident. Sum Assured available under Accidental Death Benefit option will be up to three times the Sum Assured on Death at inception for the base policy.

²Accidental total and permanent disability benefit option: If the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider policy document.

³Sum assured here refers to life cover available under the base policy at inception. Life cover is the benefit payable on death of the Life Assured during the policy term.

^*Term Benefit Booster Option : Sum Assured under this benefit will be payable in lumpsum to the Claimant in the event of earlier of death or terminal illness of the Life Assured.

A Life Assured shall be regarded as Terminally Ill only if that Life Assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners specializing in treatment of such illness, is highly likely to lead to death within 6 months. The Terminal Illness must be diagnosed and confirmed by medical practitioners registered with the Indian Medical Association and approved by the Company. The Company reserves the right to independent assessment.

ICICI Pru Linked Accidental Death and Disability Rider. UIN: . ADVT: W/II/1793/2024-25

ICICI Pru Gold
¹ In plan option ‘Immediate income’ and ‘Immediate income with Booster’, starting from the first policy year, you will receive a regular income at the end of every policy year, as chosen by you, provided the policy is in-force
In ‘deferred Income’ plan option, you will receive regular income at the end of every year, starting from end of deferment period as chosen by you, provided the policy is in-force. You can start this income as early as 2nd policy year or as late as Premium Payment Term plus 1 year
This regular income will comprise the following:

• Guaranteed Income (GI) and
• Income which will be linked to Bonus, if declared; referred to as Cash Bonus (CB)

² For all plan options, Maturity Benefit will be sum of:

• Sum Assured on Maturity, plus
• Terminal Bonus (if declared)

³ ICICI Pru Gold offers three plan options namely ‘Immediate Income’ and ‘Immediate Income with booster’ and ‘Deferred Income’. The customer can choose any one of the three available options. Please refer to sales brochure for more details

⁴ Life cover is the benefit payable on death of the life assured during the policy term. For all plan options, Death Benefit is equal to:

• Sum Assured on Death, plus
• Interim Survival Benefit (if any), plus
• Terminal Bonus (if declared)

Where, the Sum Assured on Death is the highest of:

• 7 times the Annualized Premium
• 105% of the Total Premiums Paid as on the Date of Death
• Death Benefit multiple times Annualized Premium

⁵ Tax benefits under the policy are subject to prevailing conditions and provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru Gold A Participating Non linked Life Individual Savings Product. UIN 105N190V04. ADVT: W/II/1987/2024-25

ICICI Pru Protect N Gain

¹Life cover is the benefit payable on death of the life assured during the policy term. Death Benefit will be highest of:

Sum Assured, including Top-up Sum Assured, if any

105% of the total premiums paid

Fund Value including the Top-up Fund Value, if any

²Starting from the 11th policy year, you will receive 2X/4X of return of mortality and 2X of policy administration charges (excluding taxes), at the beginning of each month, till the end of the policy term. These will be added in the form of units to the Fund Value.

³At policy maturity, an addition, known as Maturity Booster in the form of extra units (Units mean a specific portion or part of the Unit Linked Fund(s) in which you have saved your money) will be made to boost your Fund Value. This Maturity Booster will be equal to 20% percentage of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.

⁴Systematic Withdrawal Plan is allowed only after the first five policy years.

⁵Available through mandatory rider ‘ICICI Pru Accidental Death and Disability rider’. Please refer to the rider brochure for more details.

ICICI Pru Protect N Gain UIN: .

ADVT: W/II/0648/2024-25

ICICI Pru GIFT Pro

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

²Guaranteed Benefits will be payable subject to all due premiums being paid.

³Level Income and Increasing Income are income options available under GIFT Pro. Under Level Income, the Guaranteed Income will remain constant throughout the income period. If Increasing Income is selected, the Guaranteed Income will increase by 5% p.a of the base income.

⁴You can choose to receive any percentage from 0% to 100% of the sum total of all annualized premiums payable by you as MoneyBack Benefit. This will be paid as a one time Lump sum amount. Additionally you also have the flexibilty to choose any year, on or after the maturity date of the policy up to the last income year, to receive this MoneyBack Benefit. Your Guaranteed Income amount will be adjusted based on the MoneyBack Benefit % and payout year selected by you. You can opt for these flexibilities at the inception of the policy. MoneyBack Benefit % and payout year cannot be changed later.

⁵Low cover income booster at the inception of the policy, you can choose to opt for “Low Cover Income Booster” wherein you will be able to receive increased income for opting a lower life cover.

⁶You have an option to receive GI every year on a Special Date of your choice preceding the due date of first GI pay-out during the Income Period. The Special date can be chosen to coincide with any date such as, Date of Maturity, birth date or anniversary date etc. Payment of GI will commence from this Special Date and all further GIs will be paid every year on this Special Date chosen. In case You opt for a Special Date, the GI payable each year would be adjusted by multiplying the GI amount with a discount loading factor, varying by the policy month in which the Special Date falls.

⁷Tax benefits under the policy are subject to conditions under provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

ICICI Pru GIFT Pro (UIN: )

Unit Linked products are different from traditional insurance products and are subject to the risk factors.

The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/ her decisions. ICICI Prudential Life Insurance is only the name of the Life Insurance Company and the unit linked insurance products and does not in any way indicate the quality of the products, its future prospects and returns.

Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the Insurance company.

The various funds offered under this products are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

W/II/0673/2023-24

ICICI Pru Linked Waiver of Premium Rider

¹The Rider Benefit will be applicable if the Life Assured named under the WoP rider has become totally, continuously and permanently disabled as a result of an Accident within the Rider Term i.e., Accidental Total Permanent Disability and should mandatorily satisfy at least one condition outlined within the following three conditions. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer to the sales brochure of ICICI Pru Linked Waiver of Premium Rider

²A Life Assured shall be regarded as terminally ill only if he/she is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners specializing in treatment of such illness, is highly likely to lead to death within 6 months. The Terminal Illness must be diagnosed and confirmed by medical practitioners registered with the Indian Medical Association and approved by the Company

³The Rider Benefit will be applicable on the Life Assured named under the WoP rider being diagnosed with any of the 15 covered critical illnesses within the rider term by a Medical Practitioner. To know more about definitions, terms & conditions applicable for critical illness, kindly refer to the sales brochure of ICICI Pru Linked Waiver of Premium Rider

⁴Tax benefits as per prevailing tax laws

⁵Waiver of premium rider has 3 plan options: (i)Life option which will be applicable on the first occurrence of death or terminal illness (ii) Health option- which will be applicable on the first occurrence of Accidental total and permanent disability or diagnosed with any of the covered critical illnesses and (iii) Life & Health option- which will be applicable on the first occurrence of terminal illness or Accidental total and permanent disability or diagnosed with any of the covered critical illnesses. Kindly refer to brochure for more details

ICICI Pru Linked Waiver of Premium Rider UIN: 105A045V02. ADVT: W/II/0979/2023-24

ICICI Pru Non-Linked Waiver of Premium

¹The Rider Benefit will be applicable if the Life Assured named under the WoP rider has become totally, continuously and permanently disabled as a result of an Accident within the Rider Term i.e., Accidental Total Permanent Disability and should mandatorily satisfy at least one condition outlined within the following three conditions. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer to the sales brochure of ICICI Pru Non-Linked Waiver of Premium Rider

²A Life Assured shall be regarded as terminally ill only if he/she is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners specializing in treatment of such illness, is highly likely to lead to death within 6 months. The Terminal Illness must be diagnosed and confirmed by medical practitioners registered with the Indian Medical Association and approved by the Company

³The Rider Benefit will be applicable on the Life Assured named under the WoP rider being diagnosed with any of the 15 covered critical illnesses within the rider term by a Medical Practitioner. To know more about definitions, terms & conditions applicable for critical illness, kindly refer to the sales brochure of ICICI Pru Non-Linked Waiver of Premium Rider

⁴Tax benefits as per prevailing tax laws

⁵Waiver of premium rider has 3 plan options: (i)Life option which will be applicable on the first occurrence of death or terminal illness (ii) Health option- which will be applicable on the first occurrence of Accidental total and permanent disability or diagnosed with any of the covered critical illnesses and (iii) Life & Health option- which will be applicable on the first occurrence of terminal illness or Accidental total and permanent disability or diagnosed with any of the covered critical illnesses. Kindly refer to brochure for more details

ICICI Pru Non-Linked Waiver of Premium UIN: 105B044V02. ADVT: W/II/0971/2023-24

ICICI Pru Group Non Linked Accidental Death and Disability Rider

¹Under this option, if the Member whose life is covered by this benefit option passes away, due to an accidental death which happens within the Coverage term such that death happens 180 days from the date of accident, the sum assured for ADB will be paid out as a lump sum to the person specified (known as the Claimant) in the policy, provided the benefit option is in-force at the time of the accident.

If Accidental Death occurs beyond the Coverage Term, this sum assured will be paid provided the accidental death occurs within 180 days from the date of accident. This is applicable subject to Accident occurring within the Coverage Term and the Benefit Option being in-force at the time of Accident.

²Under this option, if the Member whose life is covered by this benefit option gets totally, continuously and permanently disabled, due to an accident which happens within the Coverage term of this benefit option such that the disability occurs within 180 days from the date of accident, the Sum Assured for ATPD will be paid out as a lump sum to the person specified (known as Claimant) in the policy.

If Accidental Total and Permanent Disability occurs beyond the Coverage Term, this sum assured will be paid provided the disability occurs within 180 days from the date of accident. This is applicable subject to Accident occurring within the Coverage Term and the Benefit Option being in-force at the time of Accident. For more details, kindly refer to the Rider policy document.

³Tax benefits may be available as per prevailing tax laws. Tax laws are subject to amendments made there to from time to time. Please consult your tax advisor for more details.

ICICI Pru Group Non – Linked Accidental Death and Disability Rider (UIN : ). ADVT: W/II/1190/2023-24

ICICI Pru Gold Pension Savings

¹ Guaranteed benefit is the Assured Benefit, i.e., 105% of the total premiums paid

² Bonuses are in the form of regular bonus, loyalty accumulation and terminal bonus

³ Minimum 40% of the vesting benefit must be mandatorily used to purchase an annuity plan

⁴ This can be availed after the completion of 3 policy years and allows you to encash up to 25% of the Total Premiums Paid over the lifetime of your policy. Withdrawals are allowed for the conditions of higher education of children; marriage of children; purchase or construction of a residential house or flat; treatment of critical illnesses; to meet medical and incidental expenses arising out of the disability

⁵ Avail periodic complimentary health check-ups during the policy years on attaining 50 years of age and completion of 3 policy years. This service shall be directly provided by third party service provider(s) and the Company will not be liable for any deficiency in service by the service provider. The Company reserves the right to discontinue the service or change the service provider(s) at any time. Please read the policy document to know more

ICICI Pru Gold Pension Savings Plan (UIN : ). W/II/1282/2023-24

ICICI Pru Platinum

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.

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

² Systematic Withdrawal Plan is allowed only after completion of five policy years

³ Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961.

⁴ Past performance of funds is not indicative of future performance.

i. Linked insurance products are different from the traditional insurance products and are subject to the risk factors.

ii. The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.

iii. ICICI Prudential Life Insurance Company Limited is only the name of the Life Insurance Company and ICICI Pru Platinum is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.

iv. Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company.

v. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

ICICI Pru Platinum (UIN: ). ADVT: E/II/0907/2024-25

ICICI Pru Group Non-Linked Critical Illness Rider

¹Under this rider , if the Member whose life is covered is diagnose within the Coverage term with any one of the critical illnesses covered based on the package chosen , then the sum assured depending on the benefit option and plan chosen will be paid out as a lump sum to the person specified in the policy and , provided the benefit option is in-force at the time of the diagnosis of critical Illness.

² There are four package options. For more details please refer the policy document.

³ Any one of the two-benefit option can be chosen:

Accelerated Critical Illness (ACI)benefit option: Under this Benefit Option, upon confirmatory diagnosis of any of the covered Critical Illness, the Accelerated Critical Illness Sum Assured of the Member prevailing at the time of diagnosis will be paid to the Claimant provided the Rider is in force. Upon payment of the Accelerated Critical Illness Sum Assured to the Claimant by the Company, the Rider shall terminate for the Member.

i.If ACI Sum Assured is less than the Base Sum Assured then the Member Base Policy will continue with Base Sum Assured reduced to the extent of ACI Sum Assured payout.

ii. If ACI Sum Assured is equal to the Base Sum Assured then the Member Base Policy as well as this Member Rider will terminate upon payment of this benefit.

Additional Critical Illness benefit option: Under this Benefit Option, upon confirmatory diagnosis of any of the covered Critical Illness, the Additional Critical Illness Sum Assured of the Member prevailing at the time of diagnosis will be paid to the Claimant, provided the Rider is in force. Upon payment of the Additional Critical Illness Sum Assured to the Claimant by the Company, the Rider shall terminate for the Member and the Base Sum Assured under the Base Member Policy remains unchanged.

⁴ Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to conditions under provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

ICICI Pru Non-Linked Critical Illness Rider. UIN:

Advt: W/II/0362/2024-25

ICICI Pru iProtect Supreme

¹Life Cover is the benefit payable on death of the life assured during the policy term.

²100% return of premiums refers to the total of all premiums paid under the base product, excluding any extra premium, any rider premium i.e. ICICI Pru Non-linked Accidental Death and Disability Rider, and ICICI Pru Non-Linked Health Protect Rider and taxes, if any.

³You can choose to increase the level of life cover at the key milestones of marriage, disbursement of home loan and child birth/ adoption of child without any medicals, provided no claim has been admitted for any benefits (including rider benefits) under the policy and the policy is in force.

On exercising the option, You will have to pay an additional premium for the additional Sum Assured for the outstanding term of the policy based on the then age of the Life Assured. This feature is available only with Regular premium payment option. Such increase in sum assured is only applicable to base product life cover and not rider cover.

⁴Premiums for female lives are lower by 15% as compared to male lives.

⁵A discount as follows will be offered on first year’s premium of Death Benefit, Terminal Illness (excluding rider premiums, underwriting extra premiums and taxes) to salaried customers:

⁶ICICI Pru Non-linked Accidental Death and Disability Rider:

For Accidental Death cover option: If the life assured covered by this benefit option passes away, due to an accident which happens within the coverage term, the Accidental Death Sum Assured will be paid out as a lump sum to the nominee. This amount will be payable if the accident occurs within the coverage term set under this benefit option, but death occurs beyond the Coverage term (however within 180 days from the date of the accident), provided the option is in-force or in grace period at the time of accident. On payment of the Accidental Death Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished.

For Accidental Disability cover option: If the life assured covered by this benefit option become totally, continuously, and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider brochure and policy document.

ICICI Pru Non-Linked Health Protect Rider –

ICICI Pru Non-Linked Critical Illness Rider offers coverage against diagnosis of critical illness in form of 2 packages under Additional Critical Illness benefit options:

• 1. 20 Critical Illness (CI) Benefit
• 2. 60 Critical Illness (CI) Benefit

Critical illness rider pays claim amount on first diagnosis of any of the 20 or 60 critical illnesses. It means that just a photocopy of diagnosis report is needed, and no hospital bills are required to initiate the claim. For women, there is an option to cover critical illnesses like breast cancer and cervical cancer as well.

Critical Illness benefit under ICICI Pru Non-Linked Health Protect Rider: Critical Illness rider(CI benefit) is up to life cover value capped at 1.5 crore (Subjected to underwriting guidelines). Critical Illness Benefit (CI Benefit) is optional and is payable, on first occurrence of any of the 20 or 60 illnesses covered. Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfillment of the definition of the diagnosed critical illness. The CI Benefit, is an additional benefit which means the policy will continue with the life cover and other riders covers even after CI Benefit is paid. The future premiums payable under the policy will reduce proportionately. To know more in about CI Benefit, terms & conditions governing it, kindly refer to rider sales brochure. CI Benefit term would be equal to policy term or 20 years or (75-Age at entry), whichever is lower.

ICICI Pru Non-Linked Critical Illness Rider offers coverage against diagnosis of critical illness in form of 2 packages under Additional Critical Illness benefit options:

⁷Tax benefits under the policy are subject to conditions under Sections 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

ICICI Pru iProtect Supreme - UIN:

Advt: W/II/0726/2024-25

Advt: W/II/0452/2025-26

ICICI Pru Signature Pension

¹ A tax-free commutation of up to 60% of the vesting benefit can be availed. Tax benefits are subject to conditions under Sections 80CCC, 10(10A), 115BAC and other provisions of the Income Tax Act, 1961.

² This can be availed after the completion of 5 policy years and allows you to withdraw up to 25% of the total fund value on the date of request, allowed only for a maximum of 3 times over the policy term. Withdrawals are allowed for the conditions of higher education of children; marriage of children; purchase or construction of a residential house or flat; treatment of critical illnesses; to meet medical and incidental expenses arising out of the disability.

³ Past performance of funds is not indicative of future performance.

⁴ Return of charges includes premium allocation charges, mortality charges and policy administration charges deducted (excluding tax) till time of vesting.

ICICI Pru Signature Pension - UIN:

ADVT: W/II/0774/2024-25

ICICI Pru iProtect Smart Return Of Premium

¹ Life Cover is the benefit payable on death of the life assured during the policy term

² 100% return of premiums refers to the total of all premiums paid under the base product, excluding any extra premium, any rider premium and taxes, if any

³ PPremiums for female lives for life cover (Death Benefit) are lower by 15% as compared to male lives

⁴ Accidental death benefit option available through the ICICI Pru Non-linked Accidental Death and Disability Rider : Under this option, if the person whose life is covered by this benefit option (known as the Life Assured) passes away, due to an accidental death which happens within the Coverage term such that death happens 180 days from the date of accident, the sum assured for ADB will be paid out as a lump sum to the person specified (known as the Claimant) in the policy, provided the benefit option is in-force at the time of the accident. Maximum Sum Assured available under Accidental Death Benefit option will be up to three times the Sum Assured on Death at inception for the base policy (capped at ₹ 3 Crore)

⁵ Accidental total and permanent disability benefit option available through the ICICI Pru Non-linked Accidental Death and Disability Rider : if the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident ie., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. Maximum Sum Assured available under Accidental Total and Permanent Disability Benefit option will be up to the Sum Assured on Death at inception for the base policy (capped at ₹ 3 Crore. For more details, kindly refer to the Rider policy document

ICICI Pru iProtect Smart Return of Premium UIN:

ADVT: W/II/1177/2024-25

ICICI Pru Signature Assure

¹ Past performance of funds is not indicative of future performance.

² Following the death of the Life Assured (provided all due premiums have been paid) 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. Further Units equivalent to the instalment premium will be allocated on each of the subsequent premium due dates by the Company. The prevailing mandate on fund choices shall be used for investing the benefit amounts into the policy.

³ Loyalty Additions will be allocated as extra units at the end of every fifth policy year starting from the end of the tenth policy year. Each Loyalty Addition will be 2.50% of the average of Fund Values on the last business day of the last eight policy quarters.

⁴ This benefit is applicable only where the Life Assured survives till the end of the policy term provided all due premiums have been paid and no partial withdrawals have been made during the policy term.

⁵ An amount equal to a percentage of the Sum Assured will be paid out to the nominee as regular income on each subsequent policy anniversaries following the date of death till the end of the policy term. This percentage can vary between 0% and 10% (both inclusive) and once chosen at the time of purchase of the policy, shall remain fixed through the policy term.

⁶ Life cover is the benefit payable on death of the Life Assured during the policy term.

⁷ Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961.

ICICI Pru Signature Assure UIN:

W/II/1361/2024-25

ICICI Pru iProtect Super

¹ Life Cover is the benefit payable on death of the life assured during the policy term.

² The Policyholder can avail Premium Break under the product for a period extending by 12 months from the due date of first unpaid premium. During this Premium Break Period, the premium (including the rider(s) premium, additional premium (if any) for the other inbuilt benefits, any underwriting extra premium, loadings for modal premiums, applicable taxes, cesses and levies, etc. if any) due and payable for the said period will be deferred (“Deferred Amount”) but the risk cover under the policy and rider(s) will continue as per the terms and conditions of the policy and rider(s), respectively. In case of any claim under the Policy on the happening of any insured event during this period, the policyholder will receive the eligible claim amount under the policy after deducting all the deferred amount.

³ Premiums for female lives for life cover (Death Benefit) are lower by 15% as compared to male lives.

⁴ A discount of 5% on first year’s base premium (excluding underwriting extra premium and taxes) will be offered to customers in cases where customer initiates purchase of policies on his own through any ISNP (Insurance Self Network Platform) either owned by the company or intermediary.

⁵ A discount of 7% on first year’s base premium (excluding underwriting extra premium and taxes) will be offered to any existing policyholder who is purchasing this product or to any such policyholder purchasing this product with any of our other products at the same time. This can be availed with appropriate documentary proof provided by the policyholder or through internal validation process.

⁶ Accidental death benefit option available through ICICI Pru Non-Linked Accidental Death and Disability Rider: Under this option, if the person whose life is covered by this benefit option (known as the Life Assured) passes away, due to an accidental death which happens within the Coverage term such that death happens 180 days from the date of accident, the sum assured for ADB will be paid out as a lump sum to the person specified (known as the Claimant) in the policy, provided the benefit option is in-force at the time of the accident. Maximum Sum Assured available under Accidental Death Benefit option will be equal the Sum Assured on Death at inception for the base policy (capped at ₹ 1Crore).

⁷ If the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. Maximum Sum Assured available under Accidental Total and Permanent Disability Benefit option will be up to the Sum Assured on Death at inception for the base policy (capped at ₹ 1 Crore). For more details, kindly refer to the Rider policy document.

⁸ Tax benefits/Tax free proceeds under the policy are subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

ICICI Pru iProtect Super UIN:

W/II/1436/2024-25

ICICI Pru Wish

¹ The policy offers a Fixed Sum Assured(lump sum payout) as defined below for each of the benefits:

• Vital Care benefit: Policyholder has option to choose Vital Care Sum Assured at the time of policy inception. On diagnosis of covered minor critical illness, a fixed % of Vital care Sum Assured will be payable and on diagnosis of covered major critical illness, 100% of the available Vital care Sum Assured will be payable. Upon termination of the Vital Care Benefit, the Policy shall continue only for a few specific Surgical Procedures for a period of 365 days (within the Coverage Term) commencing from the date of diagnosis of the Condition which led to exhaustion of the Vital Care Sum Assured. The waiting period for this benefit is 90 days
• Surgical Care benefit: This will be fixed at 50% of the Vital Care Sum Assured chosen at inception. On undergoing covered surgery ,either 100% or 40% of the Surgical Care Sum Assured is payable, depending upon the surgical procedure done and the Surgical Care benefit will terminate. The percentage of the Surgical Care Sum Assured payable for each surgery is specified in the policy document. Please refer to the policy document for more details. Policy will continue with rest of the applicable benefits with premiums reduced to the extent of surgical care benefit premiums. The waiting period for this benefit is 90 days
• Maternity Care benefit: This will be fixed at 25% of the Vital Care Sum Assured chosen at inception. On diagnosis of a covered pregnancy complication or newborn congenital illness, 100% of the Maternity care Sum Assured is payable and Maternity care benefit terminates. Policy will continue with rest of the applicable benefits with premiums reduced to the extent of Maternity care benefit premiums. The waiting period for this benefit is 365 days. Please note that if 100% of the Vital care sum assured is exhausted, maternity care benefit will terminate even if it is not claimed by then

² Women specific health conditions shall mean any illness, medical event or surgical procedure as specifically defined under Vital Care benefit, Surgical Care benefit and Maternity benefit option(if opted) and whose signs or symptoms first commenced post the specified waiting period after the inception of policy period.

³ The premiums are guaranteed to remain fixed for the entire premium payment term of this product. However, when a claim is made under the Surgical care benefit or the Maternity care benefit, the premiums will be reduced to the extent of the surgical care benefit premiums or maternity care benefit premiums. Also, In case discount is applicable on 1st year premium, the premiums from 2nd year onwards will change accordingly.

⁴ You can avail a one-year Premium Sabbatical during the Premium Payment Term. This option allows to skip premium payable for one Policy Year. Policy will be considered as an In-force during Premium Sabbatical Year. This option can be availed only once during the entire Premium Payment Term. This option has to be availed by You at least 15 days prior to the Policy Anniversary of the Policy Year during which you wish to waive off premiums payable. If You do not avail this benefit anytime prior to the last Policy Year of the Premium Payment Term, the Company will waive off the premium payable for the last Policy Year of the Premium Payment Term.

ICICI Pru Wish (A Non-Participating, Non-linked, Health, Individual Pure Risk Product)UIN:

W/II/1476/2024-25

ICICI Pru Saral Jeevan Bima

¹ Life Cover is the benefit payable on death of the life assured during the policy term.

² If the person whose life is covered by this policy (known as the Life Assured) passes away during the term of the policy, the Death benefit will be paid out as a lump sum to the nominee. This Policy will cover death due to accident during the waiting period of 45 days from the date of commencement of risk.

In case of death of the Life Assured other than due to accident during the waiting period, an amount equal to 100% of all premiums received excluding taxes, if any, shall be paid and the sum assured shall not be paid.

³ Tax benefits/Tax free proceeds under the policy are subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

ICICI Pru Saral Jeevan Bima UIN: . ADVT: W/II/1574/2024-25

ICICI Pru POS - iProtect Smart

¹ Life Cover is the benefit payable on death of the life assured during the policy term.

² Premiums for female lives for life cover (Death Benefit) are lower by 15% as compared to male lives.

³ Tax benefits/Tax free proceeds under the policy are subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

ICICI Pru POS - iProtect Smart UIN .

ADVT: W/II/1582/2024-25

ICICI Pru Smart Goal Assure

¹ Past performance of funds is not indicative of future performance

² Following the death of the Life Assured (provided all due premiums have been paid) 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. Further Units equivalent to the instalment premium will be allocated on each of the subsequent premium due dates by the Company. The prevailing mandate on fund choices shall be used for investing the benefit amounts into the policy

³ Return of charges is applicable only where Life Assured survives till the end of the policy term

⁴ This benefit is applicable only where the Life Assured survives till the end of the policy term provided all due premiums have been paid and no partial withdrawals have been made during the policy term

⁵ An amount equal to a 10% of the Sum Assured will be paid out to the nominee as regular income on each subsequent policy anniversaries following the date of death till the end of the policy term

⁶ Life cover is the benefit payable on death of the Life Assured during the policy term

⁷ Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961

i. Linked insurance products are different from the traditional insurance products and are subject to the risk factors

ii. The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions

iii. ICICI Prudential Life Insurance Company Limited is only the name of the Life Insurance Company and ICICI Pru Smart Goal Assure is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns

iv. Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company

v. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns

ICICI Pru Smart Goal Assure UIN: 105L199V01

W/II/1674/2024-25

ICICI Pru Gift Select

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

² Guaranteed Benefits will be payable subject to all due premiums being paid

³ Guaranteed Maturity Benefit shall be payable at the completion of the policy term. The Guaranteed Maturity Benefit shall be expressed as a percentage of the sum of Annualized Premium payable under the policy, where the percentage shall be as chosen by the policyholder at inception of the policy

⁴ Tax benefits under the policy are subject to conditions under provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details

⁵ Level Guaranteed Income and Increasing Guaranteed Income are income options available under ICICI Pru GIFT Select. Under Level Guaranteed Income option, the Guaranteed Income will remain constant throughout the income period. If Increasing Guaranteed Income option is selected, the Guaranteed Income shall increase by 5% every policy year on compounding basis

ICICI Pru GIFT Select UIN:

W/II/1698/2024-25

ICICI Pru Non-Linked Goal Protect Rider

¹ Accidental death is defined as Death of the Life Assured by or due to a bodily injury caused by an accident, independent of all other causes of death.

ICICI Pru Non-Linked Goal Protect Rider UIN: 105B048V01

W/II/1972/2024-25

ICICI Pru Non-Linked Health Protect Rider

¹ Tax benefits/Tax-free returns under the policy are subject to conditions under Sections 80D, 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, 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.ICICI Pru Non-Linked Health Protect Rider UIN . ADVT: W/II/0288/2025-26

ICICI Pru Smart Insurance Plan Plus

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year

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

² Past performance of funds is not indicative of future performance

³ Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961

i. Linked insurance products are different from the traditional insurance products and are subject to the risk factors

ii. The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions

iii. ICICI Prudential Life Insurance Company Limited is only the name of the Life Insurance Company and ICICI Pru Smart insurance Plan Plus (SIP+) is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns

iv. Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company

v. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns

ICICI Pru Smart Insurance Plan Plus UIN: 105L204V01

W/II/0269/2025-26

ICICI Pru iProtect Smart Plus

¹ Life cover is the benefit payable on death of the life assured or occurrence of Terminal Illness, whichever is earlier, during the policy term.

² Accidental Death benefit (ADB) is up to ₹3 crores (Subject to underwriting guidelines). ADB is available in Life Plus option. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit policy term will be equal to the policy term of death benefit or (85-Age at entry), whichever is lower.

³ A discount as follows will be offered on first year’s premium of Death Benefit (excluding rider premiums, underwriting extra premiums and taxes) to salaried customers:

Flat 15% discount is applicable for females for across all sum-assured, Policy Term, Premium Payment Term and age combinations. The discount is only available on the base premium.

⁴ Premium Break: You can get Premium Break under the product for a period extending by 12 months from the due date of first unpaid premium. During this Premium Break Period, the premium (including the rider(s) premium, additional premium (if any) for the other inbuilt benefits, any underwriting extra premium, loadings for modal premiums, applicable taxes, cesses and levies, etc. if any) due and payable for the said period will be deferred (“Deferred Amount”) but the risk cover under the policy and rider(s) will continue as per the terms and conditions of the policy and rider(s), respectively. In case of any claim under the Policy on the happening of any insured event during this period, the policyholder will receive the eligible claim amount under the policy after deducting all the deferred amount. This benefit option can be availed multiple times with at least 5 policy years between two Premium Break periods. The Premium Break will not be available during the last 3 policy years of the premium payment term.

⁵ You can choose to increase the Death Benefit at the key milestones of marriage, child birth/ adoption of child or disbursement of a home loan provided this feature is exercised within 6 months from the date of the event, age of the policyholder is less than 50 years, no claim has been admitted for any benefits under the policy and the policy is in force. On exercising the option, you will have to pay an additional premium for the additional Sum Assured for the outstanding term of the policy based on your then age. This feature is available only with Regular premium payment option. Such increase in sum assured is only applicable to base death benefit.

⁶Under the Life and Life Plus variant, there are four payout options for the sum assured on death payable in the event of death or diagnosis of Terminal Illness of the Life Assured. The four payout options are Lump sum, Income, Increasing Income, Lump sum and Income. Under Life Plus plan variant, if the death were to happen due to Accident, then an additional benefit equal to AD Benefit Sum Assured is payable as a lumpsum only. The option must be chosen at policy inception only and cannot be changed during the Policy Term.

^{^}Tax benefits under the policy are subject to conditions and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

W/II/0367/2025-26