The premium shown above is inclusive of taxes

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

² You can opt for this facility at the inception of the policy or your claimant can opt it at the time of registration of claim. No additional premium is payable for this option. At any time during the instalment payment phase, the claimant can choose to terminate the instalment payment in exchange for a lump-sum, in which case, the lump-sum payable shall be equal to the discounted value of all the future instalments due.

³ Return of Premium: is available on survival of life assured till the completion of the policy term, for a fully paid policy. This will be 100% of Total premiums paid i.e. the total of all the premium paid under the base product, excluding any extra premium, rider premium and taxes, if collected explicitly. On completion of the policy term and payment of maturity benefit, the policy will terminate and all rights, benefits and interests under the policy will stand extinguished.

⁴ 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 up to three times the Sum Assured on Death at inception for the base policy (capped at Rs. 3 Crore)

⁵ Accidental total and permanent disability benefit option available through 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 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 Rs. 3 Crore). For more details, kindly refer to the Rider policy document.

^` ₹2.77 Lakh Crore benefits paid till March 31, 2024 as per ICICI Prudential Annual Report 2023-24. Please refer to Public Disclosure section on ICICI Prudential website for more details.

^% 96.91 Mn lives covered across our individuals and group customers as per ICICI Prudential Annual Report 2023-24. Please refer to Public Disclosure section on ICICI Prudential website for more details.

^! The discount is applicable only on ICICI Pru iProtect Smart Return of Premium policies purchased online.

⁺ You can take a policy loan after your policy acquires a surrender value. The maximum loan amount will be 80% of the surrender value and there is no minimum loan amount. Loans may be granted on proof of title to the Policy. For other than in-force and fully paid-up policies, if the outstanding loan amount including interest exceeds the surrender value, the policy will be foreclosed after giving intimation and reasonable opportunity to the policyholder to continue the policy. The policy shall be assigned conditionally to and be held by us as security for repayment of the loan and interest thereon. Please refer to the policy document for more details.

^* Tax benefits under the policy are subject to conditions under Section 123 (read with Schedule XV, Sr. No. 1, 2 & 4 ), 11 (read with Schedule II, Sr. No. 2), 202 and other provisions of the Income Tax Act, 2025. 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.

^1a The monthly premiums of ₹1,351 for a 30-year-old, ₹1,913 for a 35-year-old & ₹2,980 for a 40-year-old healthy non-smoker male have been calculated for Regular Pay premium payment option with a policy term till 60 years with a life cover of ₹50 lakh. The above premiums are online and are inclusive of taxes.

^2a The monthly premium of ₹1,225 is for a 20-year-old, healthy non-smoker female life who is paying premiums regularly for a policy term of 40 years for a life cover of ₹1 crore. The premium is for an online policy and is inclusive of taxes. The life assured will receive 100% return of premium of ₹5,62,560 on survival till the end of the policy term. Flat 15% lifetime premium discount for women on life cover.

^3a The monthly premium of ₹1,441 is for a 20-year-old, healthy non-smoker male life who is paying premiums regularly for a policy term of 40 years for a life cover of ₹1 crore. The premium is for an online policy and is inclusive of taxes. The life assured will receive 100% return of premium of ₹6,61,920 on survival till the end of the policy term.

^4a The monthly premium of ₹860 is for a 21-year-old, healthy non-smoker male life who is paying premiums regularly for a policy term of 39 years for a life cover of ₹1 crore. The premium is for an online policy and is inclusive of taxes. The life assured will receive 100% return of premium of ₹3,85,164 on survival till the end of the policy term.

^F The 15% percentage has been calculated by comparing the premium for a 20-year-old healthy male and 20-year-old healthy female, for a life cover of ₹1 crore for a policy term of 40 years for a regular premium pay mode. The premium (inclusive of taxes) for this case for the male is ₹1,441 per month and for a female is ₹ 1,225 per month. 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.

^S The save percentage and save amount vary according to gender, age, tobacco consumption, policy term, premium payment term and sum assured chosen by the customer. The premium savings of ₹ 1,27,554 and saving percentage of 23% has been calculated by taking a difference in the total premiums to be paid by a 30-year-old healthy non-smoker male life if he chooses Limited Pay up to 60 years of age option versus if he chooses regular pay option, for a policy term of 35 years with Life Cover of ₹50 lakh in both the scenarios. The premium for Limited Pay up to age 60 years option will be ₹14,598 for 1st year and ₹14,283 from 2nd year onwards. The monthly premium for regular Pay option will be ₹16,235 for 1st year and ₹15,886 from 2nd year onwards. The premium amounts are inclusive of 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.

^!j Claim settlement ratio is for Financial Year FY2023-24 and is computed on individual basis claims settled over total individual claims for the financial year. For details, refer to ICICI Prudential Annual Report 2023-24:
https://www.iciciprulife.com/content/dam/icicipru/about-us/FinancialInformation/AnnualReports/annual_reports_fy2024.pdf

^{^} Why your ideal term cover should be 10-15 times your annual pay? Source: Economic Times,
https://www.business-standard.com/finance/personal-finance/explained-why-your-ideal-term-cover-should-be-10-15-times-your-annual-pay-123092101393_1.html

^> 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.

• ^# 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.
• All due premiums in the policy have been paid and the policy has been active for 3 consecutive years preceding life assured’s death.
• Mandatory documents to be submitted at Branch Office- Claimant statement form, 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.
• Total claim amount of all the life policies held by the Life Assured <=₹1.5 Crore.
• Claim does not require any on-ground investigation.
• 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.

^ε As per ICICI Prudential Annual Report 2023-24: Amount of individual death claim settled in FY 2024. For details, refer to ICICI Prudential Annual Report 2023-24, Source: https://www.iciciprulife.com/content/dam/icicipru/about-us/FinancialInformation/AnnualReports/annual_reports_fy2024.pdf

^E Staff discount is offered on each year’s offline premium to employees of ICICI Prudential Life Insurance Company Limited and the employees of the associate companies of ICICI Bank Limited. The staff discount will be applied on offline premiums i.e. premiums where online discount is not applicable. This discount will be as follows:

Premium Payment Term	Discount
Up to 10 years	8%
10 years and above	10%

^M MWPA: Nothing herein 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 to the insurance proceeds, the amount shall be subject to the judiciary directions. Please seek professional legal advice for the applicability of this provision.

© ICICI Prudential Life Insurance Co. Ltd. All rights reserved. Registered life insurance company with IRDAI, Regn. No. 105. CIN: L66010MH2000PLC127837. Reg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai-25. Helpline number - 1800 2660. For more details on the risk factors, terms and conditions please read the product brochure carefully before concluding the sale. ICICI Pru iProtect Smart Return of Premium: 105N195V01. ICICI Pru Non-Linked Accidental Death and Disability Rider. UIN: 105B042V02. ADVT: W/II/1209/2024-25