¹ The premium of ₹372 p.m. has been calculated for a 19 year old healthy male for a life cover of ₹50 lakh for the ICICI Pru iProtect Smart – Life Option under the regular income payout till 30 years option for a policy term of 25 years is ₹4,345 p.a.(inclusive of all taxes).

^2a The premium of ₹460 p.m. has been approximately calculated for a 18-year-old healthy male life (occupation: non-salaried) with monthly mode of payment and premiums paid regularly for the policy term of 31 years with income payout option (income for 20 years) with Life Cover of ₹1 crore. Goods and Services tax and/or applicable cesses (if any) as per applicable rates will be charged extra.

³ 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 practitioner’s 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 practitioner’s registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment.

^4a The premium of ₹579 p.m. has been approximately calculated for a 18 year old healthy male (occupation: non-salaried) for a life cover of ₹1 crore and an accelerated critical illness cover of ₹10 lakh under the Life & Health Option for a regular income payout option (income for 20 years) for a policy term of 32 years (exclusive of all taxes). Goods and Services tax and/or applicable cesses (if any) as per applicable rates will be charged extra.

⁵ In case of permanent disability due to an accident, all future premiums are waived off and the life cover continues for the remaining policy duration. This benefit comes in-built in your term insurance policy without any extra cost to you. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer sales brochure of ICICI Pru iProtect Smart.

⁶ Policy issuance is also subject to individual case eligibility criteria.

⁷ Savings in yearly mode of premium payment are in the form of Modal Loadings. For monthly and Half-yearly mode of premium payment, modal loadings are 2.5% and 1.25% respectively.

⁸ Our Life insurance policies cover COVID-19 claims under life insurance claims, subject to applicable terms and conditions of policy contract and extant regulatory framework. COVID-19 is not included in Critical Illness benefit covered under IProtect Smart.

⁹ Accidental Death benefit (ADB) is up to ₹ 2 crores (subjected to underwriting guidelines). ADB is available in Life Plus and All in One options. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit will be equal to the policy term or (80-Age at entry), whichever is lower.

¹¹ The premium for a 20 year old non-smoker healthy male with a life cover of ₹2 crore under the ICICI Pru iProtect Smart – Life Option with income payout till 30 years option for a policy term of 19 years under Regular Pay is ₹654 pm (inclusive of all taxes).

^<< The premium for a term plan is dependent on factors like age, gender, Sum Assured. Policy Term etc. Keeping all other factors constant, the premium for younger ages is lower than that of higher ages.

¹² Additional premium will be calculated based on the increased Sum Assured and outstanding policy term as per your age at the time of each such increase.

¹³ The premium of ₹396 p.m. has been approximately calculated for an 25-year-old healthy male life with the monthly mode of payment till 30 years and premiums paid regularly for the policy term of 32 years with income payout option with Life Cover of ₹51 lakh. Goods and Services tax and/or applicable cesses (if any) as per applicable rates will be charged extra.

¹⁵ Documents may be required based on assessment of case.

¹⁸ Data regarding AUM is as per Annual Report 2020-2021. Please refer to the same for further details.

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

^# Subject to realization of payment and documents. Policy can be purchased in 3 steps: 1. Generating premium quote 2. Filling basic details and answering health related questions 3. Premium payment.

^{^} Tax benefits under the policy are subject to conditions under Section 80C, 80D, 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.

^~ Source: ICICI Prudential Financial Information- Business Presentation 9M-FY2025

^` As per ICICI Prudential Annual Report 2022-23: Financial Statements (Schedule 4- Benefits paid (Gross))of the company, benefits paid since inception up to March 31, 2023.

^¶ Calculation of 85 years is based on the existing life years , that is, 85 years of age minus your current age. There are also other option for payment that is 7 pay, 10 pay, RP, 60 year-Age and PT – 5 year . For more details please refer product brochure.

^* 1 Day is a working day, counted from the date of receipt of all relevant documents from the claimant, additional information sought by the Company and any clarification received from the claimant. The Company will be calling the claimants for verification of information submitted by the Claimant which will also be considered as part of relevant documents. Working day will be counted as Monday to Friday and excluding National holidays /Bank holidays/Public holidays.

• a)  All due premiums in the policy have been paid and the policy has been active for 3 consecutive years preceding life assured’s death.
• b)  Mandatory documents to be submitted at Branch Office- Claimant statement form, Original policy certificate, Copy of death certificate issued by local authority, AML KYC documents- Nominee’s recent photograph ,Copy of Nominee’s pan card, Nominee’s current address proof, photo identity proof, Cancelled cheque/ Copy of bank passbook, Copy of medico legal cause of death, Medical records (Admission notes, Discharge / Death summary, Test reports, etc.), For accidental death - Copy of FIR, Panchnama, Inquest report, Postmortem report, Driving license.
• c)  Total claim amount of all the life policies held by the Life Assured <=₹1.5 Crore.
• d)  Claim does not require any on-ground investigation.

1 Day is a working day, counted from date of receipt of all relevant documents from the claimant, additional information sought by the Company and any clarification received from the claimant. The Company will be calling the claimants for verification of information submitted by the Claimant which will also be considered as part of relevant documents. Working day will be counted as Monday to Friday and excluding National holidays/Bank holidays/Public holidays. Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. In case of breach in regulatory turnaround time, interest will be paid as per IRDAI regulations. Under ULIP policies, if claim is submitted prior to 3 pm then the claim will be considered under Claim For Sure on the same day. If claim is submitted post 3pm or if the policy is inactive at the time of claim notification then the claim will be considered under Claim For Sure the next day as per availability of NAV.

^`= The online discount percentages vary according to age, policy term, premium payment term and sum assured chosen by the customer and can range between 2%-5%. The exact 5% discount appears at the following scenario: ICICI Pru iProtect Smart for ₹1 Crore of life cover for a 35 year old healthy non-smoker male (occupation: non-salaried) for a policy term of 40 years with regular pay and lumpsum payout option. The offline annual premium exclusive of taxes will be ₹20,520 & online annual premium exclusive of taxes will be ₹19,440.

^‘ 5% discount on premium is applicable only for Regular and Limited pay policies. In case of Single Pay, discount applicable is 2% of Single Premium.

⁺ The premium per month has been calculated for a healthy non-smoker male for a life cover of ₹1 crore and for a policy term of 30 years under the ICICI Pru iProtect Smart - Life option with regular pay option and regular income payout option. Premium amount will differ according to the age and benefit option chosen.

^☩ The premium of ₹823 p.m. has been approximately calculated for a 25 year old healthy non-smoker male life with monthly mode of payment till 10 years and premiums paid regularly for the policy term of 37 years with income payout option with Life Cover of ₹1 crore. Goods and Services tax and/or applicable cesses (if any) as per applicable rates is included.

^† The percentage saving computed is purely in terms of premium paid over the term (Difference between 10 years Limited and Regular pay) of the policy and does not account for time & other factors that may happen during this period. It is one of the many features that the product offers and you can opt for it based on your individual needs. The percentage saving is for ₹1 crore life cover for a 20-year-old healthy Male (occupation: non-salaried) for a policy term of 65 years with lump sum payout option. The monthly premium for 10 years for limited Pay option will be ₹4,354. The monthly premium for regular Pay option will be ₹1,667. The premium amounts are inclusive of taxes.

^\ Nothing here in contained shall operate to destroy or impede the right of any creditor to be paid out of the proceeds of any policy of assurance, which may have been effected with intent to defraud creditors. In case of any third party claim in the Courts of India with regards the insurance proceeds, the amount shall be subject to the judiciary directions. Please seek professional legal advice for the applicability of this provision.

^> The Average Claims TAT for FY2021 for Death Claim (Individual) is 1.4 days. Non-Investigated Claims from Last Document received to Disbursal date.

^$ Data regarding volume of claims is as per IRDAI Annual Report 2021-2022. To read the full article, click Source: Status of Individual Death Claims of Life Insurers https://irdai.gov.in/document-detail?documentId=1632108

^!! For ICICI Pru iProtect Smart, the annual offline premium  for a 41 year old for a life cover for ₹1 cr  with a policy term of 30 years, regular pay with lump-sum payout mode is. ₹30,733. The annual online premium for a 41 year old for a life cover for ₹1 cr  with a policy term of 30 years, regular pay with lump-sum payout mode is. ₹29,197. Both premiums are inclusive of taxes. The difference in total premium paid over the policy term in both the scenarios will be ₹46,080.

^₸ 77.1 Mn lives covered across our individuals and group customers as per ICICI Prudential Annual Report 2022-23. Please refer to Public Disclosure section on ICICI Prudential website for more details.

^$$ Based on number of policies sold online between January 2019 - December 2019.

⁼⁼ For IPS POS there is waiting period of 60 days for death benefit.

⁺⁺ The premium of ₹604 p.m. has been approximately calculated for a 23 year old healthy male for a life cover of ₹1.5 crore for the ICICI Pru iProtect Smart – Life Option under the regular income payout option till 20 years for a policy term of 24 years is ₹7,061 p.a. (exclusive of all taxes). Goods and Services tax and/or applicable cesses (if any) as per applicable rates will be charged extra.

^`` Based on number of policies sold online between April 2021- March 2022, 35% of our online customers purchase the optional critical illness benefit rider with their policy.
ADVT no. - W/II/1546/2020-21

^##Accelerated Critical Illness Benefit (ACI Benefit) is up to ₹ 1 Crore (subject to underwriting guidelines). Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on the first occurrence of any of the 34 illnesses covered. Medical documents confirming the diagnosis of critical illness need to be submitted. The benefit is payable only on the fulfilment of the definition of the diagnosed critical illness. The ACI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the ACI Benefit paid. The future premiums payable under the policy will reduce proportionately. If ACI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the ACI Benefit. To know more in detail about ACI Benefit and the terms & conditions governing it, kindly refer to the sales brochure. ACI Benefit term would be equal to the policy term or 30 years or (75-Age at entry), whichever is lower.

^** The percentage saving computed is purely in terms of premium paid over the term (Difference between 5 years Limited and Regular pay) of the policy and does not account for time & other factors that may happen during this period. It is one of the many features that the product offers and you can opt for it based on your individual needs. The percentage saving is for ₹1 crore life cover for a 24-year-old healthy Male (occupation: non-salaried) for a policy term of 61 years with lump sum payout option. The monthly premium for 5 years for limited Pay option will be ₹7,464. The monthly premium for regular Pay option will be ₹1,769. The premium amounts are inclusive of taxes.

^{^^} As per internal data of users who have visited iciciprulife.com in the month of November, 2019 and checked their premium for term insurance product,iProtect Smart.

⁺⁺ 99.7% of our life claims are settled in 1 day is with respect to the claims that are eligible for Claim For Sure from the period July 29, 2019 – July 31, 2020.

^" The premium of ₹375 p.m. has been approximately calculated for a 21 year old healthy female for a life cover of ₹50 lakh for the ICICI Pru iProtect Smart – Life Option under the regular income payout option for a policy term of 27 years is ₹4,374 p.a. (inclusive of all taxes)

Comp code - COMP/DOC/Jun/2022/96/0558

Comp code - COMP/DOC/Sep/2022/59/1070

Comp code - COMP/DOC/Jul/2024/127/6671

Comp code - COMP/DOC/Feb/2025/62/8383

ADVT no. - W/II/4891/2021-22

ICICI Pru iProtect Smart UIN 105N151V14. (A Non-Linked Non-Par Life Individual pure risk premium product)

E/II/0637/2023-24

© ICICI Prudential Life Insurance Co. Ltd. All rights reserved. Registered with Insurance Regulatory & Development Authority of India (IRDAI) as Life Insurance Company. Regn. No. 105. CIN: L66010MH2000PLC127837.
Reg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600. Customer helpline number – 1860 266 7766. Timings – 10:00 A.M. to 7:00 P.M., Monday to Saturday (except national holidays). Member of the Life Insurance Council. For more details on the risk factors, term and conditions please read the product brochure carefully before concluding the sale. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license.