Life Insurance

^**Our Life insurance policies COVID-19 life claims are subject to applicable terms and conditions of the policy contract and extant regulatory framework.

^`~Source for Popular, Bestseller, Trending, Most Selling, Top Selling, High Demand: Company BuyOnline Data-April 2021 till date

^{`^}Source: Company Buy Online Data-December 2015 till date

^{~^}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 ICICI Pru iProtect Smart - Life Option for ₹ 1 Crore life cover for a 26-year-old healthy male for a policy term of 58 years with a lump sum payout option. The annual premium for 5 years Limited Pay option will be ₹ 85,762/- & the monthly premium will be ₹ 7,324. The premium amounts are inclusive of taxes.

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

^1† Life-stage cover: In case of Life-stage cover, Absolute amount assured to be paid on death will be based on the age of the Life Assured as provided below. In the first policy year, Absolute amount assured to be paid on death will be the same as Basic Sum Assured as chosen by You at inception. From the second policy year till the policy anniversary after the Life Assured attains the age of 55, 5% of the Basic Sum Assured gets added on every policy anniversary to the Basic Sum Assured. This amount cumulatively shall be the Absolute amount assured to be paid on death. The Absolute amount assured to be paid on death remains constant till the next policy anniversary. In case the Absolute amount assured to be paid on death becomes twice the Basic Sum Assured during this period of increment, it stays constant at that level, till the policy anniversary after the Life Assured attains age of the 56 years. On the policy anniversary after the Life Assured attains 56 years of age, the Absolute amount assured to be paid on death shall revert back to Basic SA. This will continue till the policy anniversary after the Life Assured attains 60 years of age. On the policy anniversary after the Life Assured attains 60 years of age, the absolute amount assured to be paid on death shall be 50% of the Basic Sum Assured and continues at the same level till end of the policy term.

ICICI Pru iProtect Return of Premium (UIN: 105N186V01), A Non-Linked, Non-Participating Individual Life insurance Savings product. W/II/4644/2021-22

^†Return of Premiums: 'Return of Premium' is available under three of the plan options namely- “Return of Premium"; “Return of Premium with Life-stage cover" and “Early return of Premium with Life-stage cover" and refers to 105% of the total of all premiums received, excluding premiums for optional benefits i.e. Accidental Death Benefit, Critical Illness Benefit, any extra premium, any rider premium and taxes, if any. The fourth plan option "Income Benefit" provides regular monthly income from the policy anniversary after the Life Assured attains the age of 60 as a survival benefit till the end of the policy term.

^$*Critical Illness Benefit: CI Benefit is an additional optional benefit chosen at inception and is available with ‘Life and health’ and ‘All in One’ benefit options. The CI Sum Assured is paid as a lump sum upon the Life Assured being diagnosed on the first occurrence of any of the covered 60 major Critical Illnesses within CI Benefit term. 25% of the CI Sum Assured or ₹ 500,000/- whichever is lower is paid as a lump sum upon the Life Assured being diagnosed on the occurrence of any of the covered 4 minor Critical Illnesses within CI Benefit term. CI Benefit is available for Single Pay and Limited Pay and is lower of (15 years, policy term). For regular pay, the CI benefit term will be lower of (policy term, 40 years) subject to a maximum cover ceasing age of 85 years. CI Benefit can be less than or equal to the Basic Sum Assured chosen by You at inception for Return of Premium Plan and Income Benefit Plan. CI Benefit can be less than or equal to 50% of the Basic Sum Assured chosen at inception for Return of Premium with Life-stage Cover Plan and Early Return of Premium with Life-stage Cover Plan. CI Benefit is a pure risk benefit and does not have Survival or Maturity Benefit. Premiums paid corresponding to CI Benefit shall be excluded from Survival or Maturity Benefit

^‘``The above calculations are for a 25-year-old healthy male who has opted for Regular pay: 40 years premium payment option with a policy term of 40 years under Return of premium option for ICICI Pru iProtect Return of premium with a life cover of ₹ 50 lakh with Lump sum payout option. The above premiums are inclusive of taxes.

^{^}Critical Illness Benefit is optional and available under Life and Health and All in One options. This benefit is payable, on the first occurrence of any of the 34 illnesses covered. The CI Benefit is accelerated and not an additional benefit, which means the policy will continue with the Death Benefit reduced by the extent of the CI Benefit paid. The future premiums payable under the policy will reduce proportionately. If CI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. To know more in detail about the CI Benefit and terms & conditions governing it, kindly refer to the sales brochure. Critical Illness benefit is available till the age of 75.

^##The premium of ₹ 540/- p.m. has been approximately calculated for a 18-year-old healthy male life with an the monthly mode of payment and premiums paid regularly for the policy term of 36 years with income payout option with a Life Cover of ₹ 1 crore. Goods and Services Tax and/or applicable Cesses (if any) as per applicable rates will be charged extra.

^{^^}Available only under Life Plus and All in One option. The maximum amount that can be availed is `₹ 2 Crore and will be paid as a lump sum.

⁺⁺A lump sum is paid out on diagnosis of any of the listed conditions. This payout is based on the level of the condition. In any case, the total payout in the policy cannot exceed 100% of the Sum Assured of the cover selected. Please refer to the sales brochure to know about the payouts at different level of condition

^`Tax 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 applicable rates. Tax laws are subject to amendments from time to time. Please consult your tax advisor for more details, before acting on the above.

^*`Benefits from the 2nd year onwards is available under the Early Income Plan option.

^~Subject to realisation 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

^~*Additional Maturity Benefit is offered for online sales: For the Lump Sum Plan option, 2.5% of Sum Assured on Maturity is applicable for Limited pay. In the case of Single Pay in Lump Sum Plan option, 1% of Sum Assured on Maturity is applicable. For the Income Plan option, 2.5% of Guaranteed Income is applicable. For the Early Income Plan option, 3.5% of Guaranteed Income is applicable. For the Single Pay Income Plan option, 1% of Guaranteed Early Income is applicable

^!’The yearly online premium of ₹960 (less than ₹99 per month) is for a 22-year-old healthy non-smoker male who has bought ICICI Pru Heart / Cancer Protect, with cancer cover of ₹20 lakh, paying premiums regularly for 13 years, inclusive of tax.

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

^#Excluding taxes and Top-up Premium Allocation Charges.

UIN details: ICICI Pru iProtect Smart - 105N151V07. ICICI Pru Signature - 105L177V04. ICICI Pru Guaranteed Pension Plan - 105N181V02. ICICI Pru Guaranteed Income For Tomorrow - 105N182V06. ICICI Pru Guaranteed Pension Plan Flexi - 105N187V04. ICICI Pru Saral Pension Plan - 105N184V05. ICICI Pru Guaranteed Wealth Protector - 105L143V02

ICICI Pru Heart/Cancer Protect: UIN 105N154V03. COMP/DOC/Jan/2022/101/7213

¹The company will allocate extra units to your ULIP policy provided all due premiums have been paid. To know more in detail, kindly refer to the sales brochure of the respective products.

²The premium for a 22-year-old healthy male for a life cover of ₹ 1 crore for the ICICI Pru iProtect Smart – Life Option under the regular income payout option for a policy term of 19 years is ₹ 6,875/- p.a (inclusive of all taxes)

³Refer to the product brochures for the definitions, exclusions and other terms and conditions applicable for Permanent Disability due to an accident and Terminal Illness.

⁴24*7 buying assistance is available through our digital assistant Ligo.

⁶5% discount on premium is applicable only for Regular and Limited pay policies. In case of Single Pay, the discount applicable is 2% of Single Premium.

⁷Only a doctor’s certificate confirming the diagnosis needs to be submitted. The benefit is payable only on the fulfilment of the definition of the diagnosed critical illness.

⁸As per currently applicable tax laws, tax benefit of ₹ 54,600/- ( ₹ 46,800/- under Section 80C and ₹ 7,800/- under Section 80D) is calculated at the highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium under Sections 80C of ₹ 1,50,000/- and health premium under Section 80D of ₹ 25,000/-. Tax benefits under the policy are subject to conditions under Sections 80C, 80D, 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 the above.

^~#Your annuity/income is informed to you when you buy the plan and is guaranteed and unchanged for life.

⁹This option is available only with Joint Life. Joint life can be either the spouse, children, parents or siblings.

^//Tax benefits under the policy are subject to conditions under Sections 80C, 80CCC, 115BAC and other provisions of the Income Tax Act, 1961. Goods and Service Tax and Cesses, if any, will be charged extra as per prevailing rates. The tax-free return is subject to conditions specified under Section 10(10D) and other applicable provisions of the Income Tax Act, 1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on the above.

^"Guaranteed Additions (GAs) rate will be 9% for a policy term of 10 years and 10% for a policy term of 15 years. GAs will be added to the policy at the end of every policy year if all due premiums have been paid. Each GA will be calculated as GA rate multiplied by the total premiums paid till date (excluding extra mortality premiums, Goods & Services Tax and Cess (if any)).

^`*Wealth Boosters equal to 3.25% 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 will be allocated as extra units to your policy at the end of every 5th policy year starting from the end of the 10th policy year till the end of your policy term.

^{^*}Systematic Withdrawal Plan is allowed only after the first five policy years.

^-Guaranteed Maturity Benefit (GMB): Your GMB will be set at policy inception and will depend on the policy term, premium, premium payment term, age and gender.

^~~Guaranteed benefits in the form of lump sum will be payable under the Lump Sum Plan option. Guaranteed benefits in the form of regular income will be payable under the Income Plan option and Early Income Plan option.

^``Tax benefits of ₹ 54,600/- (₹ 46,800/- under Section 80C & ₹ 7,800/- under Section 80D) is calculated at the highest tax slab rate of 31.20%(including cess excluding surcharge) on life insurance premium under Section 80C of ₹ 1,50,000/- and health premium under Section 80D of ₹ 25,000/-. Tax benefits under the policy are subject to conditions under Sections 80C, 80D, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Service Tax and Cesses, if any, will be charged extra as per prevailing rates. The tax-free return is subject to conditions specified under Section 10(10D) and other applicable provisions of the Income Tax Act, 1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on the above.

^$How much life insurance do you really need? - https://economictimes.indiatimes.com/wealth/insure/how-much-life-insurance-do-you-really-need/articleshow/22065416.cms?from=mdr

^$$Why men often die earlier than women - https://www.health.harvard.edu/blog/why-men-often-die-earlier-than-women-201602199137

^ΘGuaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.

^°The total amount is calculated for a 30-year-old healthy male with a premium paying term of 10 years paying premiums in monthly mode and income period of 30 years taking income in annual instalments under the Income Plan option. The premium shown is exclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of the entire policy term opted. The total benefit of ₹ 1,01,77,830 is calculated by taking the sum of all guaranteed incomes payable over the entire income duration. COMP/DOC/Dec/2021/3012/7166

^ΘGuaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.

^ↃGuaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on the policy term, premium, premium payment term, Sum Assured and gender. Your GMB may be lower than your Sum Assured. GMB is the Sum Assured on maturity.

^£Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any. Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonuses will be allocated through the compounding bonus method. All reversionary bonuses will be declared as a proportion of the sum of the GMB and the vested reversionary bonuses. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A contingent reversionary bonus may be declared every financial year and will accrue only to a policy if it becomes paid-up. Contingent reversionary bonus will be a part of the paid up benefit and will be paid on maturity or earlier death. A terminal bonus may also be payable at maturity or on earlier death.

^ŦGuaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium.

^±Tax benefit of ₹ 46,800/- is calculated at the highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium under Section 80C of ₹ 1,50,000/-. Tax benefits under the policy are subject to conditions under Sections 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 details, before acting on the above.

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

^≠ΘGuaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.

^∞Tax benefits of ₹ 46,800/- under Section 80C is calculated at the highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium under Section 80C of ₹ 1,50,000/-. Tax benefits under the policy are subject to conditions under Sections 80C, 80D, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Service Tax and Cesses, if any, will be charged extra as per prevailing rates. The Tax Free income is subject to conditions specified under Section 10(10D) and other applicable provisions of the Income Tax Act, 1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on the above.

^ꓘICICI Pru Guaranteed Income For Tomorrow (Long-term) offers 4 options in income period namely 15, 20, 25 and 30 years. The customer can choose any plan option from the four available options. Please refer to the brochure for more details.

^ꞂICICI Pru Guaranteed Income For Tomorrow (Long-term) offers two plan options namely, 'Income' and ‘Income with 110% ROP’. The customer can choose any plan option from the two available options. Please refer to the brochure for more details.

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

^!As per Internal Data of policies sold for all products from April’21-December’21 in the BOL Channel.

ICICI Pru Savings Suraksha: UIN 105N135V02. ADVT: W/II/4911/2021-22

ICICI Pru Guaranteed Income for Tomorrow (Long-term): UIN:105N185V11. ADVT: W/II/5060/2021-22

^*Claim statistics are for FY2020 and is computed on the basis of individual claims settled over total individual claims for the financial year. For details, refer to the Public Disclosures on our Website. W/II/3484/2018-19.

^λ`Life cover: Life Cover is the benefit payable on the death of the life assured during the policy term

^{^`}Critical illness: Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One option. 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 the ACI Benefit and 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 premium of ₹ 700 p.m. has been approximately calculated for protection plans and will vary case to case depending on different payment and policy term chosen. Goods and Services tax and/or applicable cesses (if any) as per applicable rates will be charged extra.

^@Life cover, Critical illness cover, Accidental death cover, Return of premiums' features are available across various protection plans available with ICICI Prudential Life Insurance.
Life cover is the benefit payable on death of the Life Assured during the policy term.

^1#Life cover is the benefit payable on death of the life assured during the policy term.

^2#Accelerated Critical illness benefit (ACI benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on first occurrence of any of the 34 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 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, terms & conditions governing it, kindly refer to sales brochure. ACI benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower

^ō The policyholder will have an option to cancel the Policy and receive Smart Exit Benefit, equal to Total Premiums Paid under the Policy.  The following conditions are applicable for availing Smart Exit benefit:

Where, Total Premiums Paid means the total of all premiums received, excluding any extra premium, any rider premium and taxes. In case the benefit term for additional benefit(s), for which additional premium has been paid, has expired at the time of exercise of Smart Exit Benefit, then Total Premiums Paid shall exclude the premium paid towards such additional benefit(s). Please refer to sales brochure for more details.

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/month, 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/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

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

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:

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 Non-Linked Participating Individual Life Insurance Savings plan. UIN 105N190V01

ICICI Pru Gold UIN: 105N190V01 A Non-Linked, Participating Individual Life Insurance Savings plan. W/II/1749/2022-23

Two policies of ICICI Pru iProtect Smart. UIN: 105N151V07
ADVT: W/II/1549/2022-23