ICICI Pru iProtect Smart
^@ Life cover is the benefit payable on the death of the Life Assured during the policy term.
ICICI Pru iProtect Smart. UIN: 105N151V10

ICICI Pru iProtect Return of Premium
For ‘Return of Premium’ plan option, Death Benefit will be the highest of a) Sum Assured on Death b) Basic Sum Assured to be paid on death c) (Applicable only for limited pay and regular pay) 105% of the Total Premiums Paid till the date of death. Where Sum Assured on Death is 7 X Annualised Premium for regular pay and limited pay and 1.25 X Single Premium for single pay;
For ‘Income Benefit’ plan option, Death Benefit will be the highest of a) Sum Assured on Death b) 105% of the Total premiums Paid till the date of death c) Basic Sum Assured to be paid on death, less total Survival Benefit paid till date of death. Where, Sum Assured on Death is 10 X Annualised Premium.
For ‘Return of Premium with Life-stage cover’ & ‘Early Return of Premium with Life-stage cover’ plan options, Death Benefit will be the highest of a) Sum Assured on Death b) 105% of the Total premiums paid till the date of death c) Absolute amount assured to be paid on death Where Sum Assured on Death is 7 X Annualised Premium.

³ Return of Premium : Return of premiums is available on survival under three of the Plan Options: ‘Return of Premium’, ‘Return of Premium with Life-stage cover’ and ‘Early Return of Premium with Life-stage cover’ and refers to total of all premiums received, excluding premiums for optional benefits i.e. Accidental Death Cover, Critical Illness Benefit, any extra premium, any rider premium and taxes, if any. The plan options ‘Return of Premium’ and ‘Return of Premium with Life-stage cover’ provide maturity benefit on survival of the Life Assured till the end of the policy term. The plan option ‘Early Return of Premium with Life-stage cover’ provides survival benefit on survival of the Life Assured till the policy anniversary immediately after the Life Assured turns age 60 or 70, depending on the return of premium age chosen by the customer at inception. The fourth plan option ‘Income Benefit’ provides regular monthly income from the policy anniversary after the Life Assured attains age 60 as a survival benefit till the end of the policy term. Please note that the sum of monthly incomes paid under this plan option can be higher or lower than the total premiums paid by the customer, and may not be return of premium.
ICICI Pru iProtect Return of Premium UIN: 105N186V01

ICICI Pru GIFT Pro
⁺ 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
^* Tax benefits/Tax-free returns 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 applicable rates. Tax laws are subject to amendments from time to time. Please consult your tax advisor for more details.
^¶ Level Income and Increasing Income are income options available under GIFT Pro. Guaranteed Benefits will be payable subject to all due premiums being paid. Under Level Income, the Guaranteed Income will remain constant throughout the income period. If Increasing Income is selected, the Guaranteed Income will increase at a simple interest rate of 5% p.a. You can either opt for Level Income or Increasing Income option. This option has to be selected at inception and cannot be changed later.
ICICI Pru GIFT Pro UIN: 105N201V03

ICICI Pru Signature
^/ Life Cover is the benefit payable on the death of the life assured during the policy term.
ICICI Pru Signature UIN:105L177V06

ICICI Pru Gold
¹ Income: In plan option ‘Immediate income’ and ‘Immediate income with Booster’, starting from the first policy year till the end of the policy term, you will receive a regular income at the end of every policy year/month, as chosen by you, provided the policy is in-force. For “Immediate Income with Booster”, along with the regular income, you will also receive a benefit (known as Guaranteed Booster) every 5th policy year provided the policy is in-force. This Guaranteed Booster will be equal to 100% of the Guaranteed Income, as applicable for the year of payment.
In ‘deferred Income’ plan option, you will receive regular income at the end of every year/month, 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)
You will receive this income till the date of maturity, death, surrender or lapse of the policy, whichever happens first.
⁺ Life cover is the benefit payable on death of the life assured during the policy term.
• Sum Assured on Death, plus
• Balance in the Savings Wallet (if any), 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.
ICICI Pru Gold UIN: 105N190V02

ICICI Pru Sukh Samruddhi
⁰ ICICI Pru Sukh Samruddhi offers two plan options namely ‘Lump sum’ and ‘Income’. The customer can choose any of the two available options. Guarantee is in the form of ‘Sum Assured on maturity’ in Lump Sum plan option and ‘Guaranteed income’ in Income plan option.
⁺ Life cover is the benefit payable on the death of the Life Assured during the policy term.
ICICI Pru Sukh Samruddhi UIN:105N188V01

Smartkid with ICICI Pru Smart Life
⁺ Life cover is the death benefit payable on death of the Life Assured during the policy term.
a. On death of the Life Assured while monies are not in the Discontinued Policy Fund (D Fund), the Death Benefit payable will comprise of two parts:
• Lump Sum Benefit - A benefit paid out at the time of claim to take care of any immediate liabilities of the family
• Smart Benefit - A deferred benefit that ensures that your savings for your desired goal continues uninterrupted.
The Lump Sum benefit is higher of the two amounts:
• Sum Assured
• Minimum Death Benefit
Minimum Death Benefit = 105% of the total premiums including Top-up premiums. if any received up to the date of death.
For the purpose of this product. Sum Assured is deemed to include the Top-up Sum Assured, if any.
b. On death of the Life Assured while monies are in the DP Fund, the Death Benefit will be the DP Fund Value. Thereafter this policy shall terminate and all rights. benefits and interests under this policy shall be extinguished.
SmartKid with ICICI Pru Smart Life UIN:105L145V08

^~ Your annuity/income is informed to you when you buy the plan and is guaranteed and unchanged for life.
Conditions Apply.
ICICI Pru Guaranteed Pension Plan - UIN:105N181V03
ICICI Guaranteed Pension Plan Flexi – UIN:105N187V04
ICICI Pru Saral Pension - UIN:105N184V07
E/II/0634/2023-24