If the Life Assured, whether sane or insane, commits suicide for any reason whatsoever within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable, the policy will terminate and only the Fund Value, if any, as available on the date of intimation of death or Date of Foreclosure or Date of Maturity whichever is earlier, will be payable to the Claimant.

Any charges other than Fund Management Charges and guarantee charges, if any, recovered subsequent to the date of death shall be added back to the fund value as available on the date of intimation of death or Date of Foreclosure or Date of Maturity whichever is earlier.

The policy will terminate on the said payment and all rights, benefits and interests will stand extinguished.

If the Life Assured, whether sane or insane, commits suicide within 12 months from the effective date of any Top-up, the corresponding Top-up sum assured , shall not be considered in the calculation of the Death Benefit.

• Officially Valid Document (OVD) for identity and address proof
• Recent Passport-size Photograph
• Age Proof (if not established through OVD)
• PAN (or Form 97, wherever applicable)
• Payout Mandate – Bank account details
• CDF - Customer declaration
• Agent confidential report (Based on login source)
• Passport (Applicable for NRI)
• FATCA/CRS declaration (where applicable)
• Any other document, as may be required by the Company on a case to case basis

For processing a death claim under this Policy, we will require the following documents (as may be relevant):

• Duly filled and signed Claimant Statement Form
• Copy of Death Certificate of the Life Assured, issued by government authority
• Claimant address proof*
• Claimant photo identity proof*
• Recent photograph of the claimant
• Pan card / Form 97 of the claimant
• Duly filled and signed Payout mandate form with bank account details of the claimant
• Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant

DOCUMENTS REQUIRED BASED ON CAUSE OF DEATH

A. In case of death due to Unnatural causes such as Accidents (Road / Rail / Air etc), Murder, Suicide, etc.

• Medico-legal cause of death certificate
• First Information Report (FIR) from the police authority
• Inquest/ Panchnama Report
• Final police investigation report
• Post Mortem Report (PMR) issued by the hospital
• Viscera / Chemical examination report
• Newspaper Cutting, if any
• Driving License (of the Life Assured driving the vehicle in case of death due to a road accident)
• Hospitalization / treatment records if any
• Duly filled in Medical/ Hospital Attendant Certificate
• Duly filled in Employer Certificate (only if Life Assured was a salaried individual)

B. In Case of death due to Natural or medical causes (death at home, hospital)

• Medico-legal / Medical cause of death certificate
• Past medical records and treatment papers
• All hospitalization records of the Life Assured such as:
  • Admission form
  • Indoor Case Papers (ICPs)
  • Discharge summary
  • Diagnostic test reports such as USG, Pathology / Lab reports etc.,
• Duly filled in Treating Doctor Certificate.
• Duly filled in Medical/ Hospital Attendant Certificate

For processing a maturity claim under this Policy, we will require the following documents.

• Cheque for processing electronic payment.
• KYC of Proposer of the policy.

Claim payments are made only in Indian currency in accordance with the prevailing Exchange control regulations and other relevant laws and regulations in India. In case the Claimant is unable to provide any or all of the above documents, in exceptional circumstances such as a natural calamity, the Company may at its own discretion conduct an investigation and may subsequently settle the claim.

Why should you buy a ULIP at an early age?

When you are young, you are free from liabilities in terms of dependents and hence, you have the potential to take higher risk to get better returns. The earlier you start investing in a ULIP, the sooner you can achieve your financial goals.

What is the minimum and maximum entry age for this plan?

There is no minimum age for buying this plan. The maximum age limit for Single Pay is 60 years and for Limited/Regular Pay it is 58 years.

What is the minimum and maximum policy term I can select?

Policy term, for age at entry of 0-45 years is 70 years minus age at entry. For age at entry of 46-58 years is 65 years minus age at entry.

What are the premium payment modes for this plan?

The premium payment modes available with this plan are Single, Yearly, Half-Yearly and Monthly.

What are the premium payment terms available with this plan?

Premium Payment Terms:

• Single Pay
• Limited Pay option, 7 years to 30 years.
• Regular pay option, 7 years to 30 years

What is the minimum and maximum premium for this plan?

Minimum premium for this plan in Single Pay is is ₹1,00,000 and maximum is unlimited. For Limited and Regular Pay, minimum premium is ₹30,000 p.a. and maximum is unlimited.

What is Systematic Withdrawal Plan(SWP)?

SWP allows you to withdraw a pre-determined percentage of your fund value regularly. This can help you to meet specific needs such as child’s education or money for day-to-day expenses during retirement.

When can I do partial withdrawals?

Partial withdrawals are allowed only after the first five policy years and on payment of all premiums for the first five policy years.

What is the age eligibility to do partial withdrawals?

Partial withdrawals are allowed only if the Life Assured is at least 18 years of age.

What are the tax benefits under this policy?

You can avail tax benefits on the premiums you pay towards this plan and the benefit you receive subject to conditions under Section 123 (read with Schedule XV, Sr. No. 1, 2 & 4), Section 11 (read with Schedule II, Sr. No. 2) & other provisions of the Income Tax Act, 2025.

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.

⁺ The Policyholder can have funds in only one of the Portfolio Strategies.

^- Fund value+Sum assured is payable only when the age of the person insured is less then 50 years.

^~Tax benefit of `46,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s Section 123 (read with Schedule XV, Sr. No. 1, 2 & 4) of `1,50,000. Tax benefits under the policy are subject to conditions prescribed under Section 123 (read with Schedule XV, Sr. No. 1, 2 & 4 ), Section 11 (read with Schedule II, Sr. No. 2), Section 202 and other applicable provisions and schedules of the Income Tax Act, 2025. 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, before acting on above.

^{^}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 switch units from one fund to another at any point of time if he has opted for Fixed Portfolio Strategy. Switches are not available under other Portfolio Strategies. The minimum value of a switch is `2,000. There is no restriction on the number of switches a Policyholder can make and all switches will be free.

^*Top-up premiums can be paid any time except during the last five years of the policy term, subject to underwriting, as long as all due premiums have been paid. A lock-in period of five years would apply for each Top-up premium for the purpose of partial withdrawals only. At any point during the term of the policy, the total Top-up premiums paid cannot exceed the sum of base premium(s) paid till that time. The minimum Top-up premium is `2,000.

`If the policy offers guaranteed returns, then these will be clearly marked “guaranteed” in the Benefit Illustration. Since the policy offers variable returns, the given illustration shows two different rates of assumed future investment returns. The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of policy depends on a number of factors including future investment performance.

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.

^* Regulations may restrict us from investing in all the stocks in line with their weights in the index from time to time. As a result, there could be a possible tracking error.

^# We may resort to hedging through Index/Stock Futures or Index/Stock options as permitted by IRDAI.

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 ICICI Pru LifeTime Classic is only the name of the unit linked insurance product and does not in any way indicate the quality of the product, 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 product are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

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 LifeTime Classic 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 Life Time Classic UIN .

W/II/0859/2026-27