^`~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

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

ICICI Pru iProtect Smart

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

^2aThe premium of ₹ 460 p.m. has been approximately calculated for a 18-year-old healthy male life 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.

^2bThe premium of ₹410 p.m. has been approximately calculated for a 18-year-old healthy male life (occupation: salaried) with monthly mode of payment and premiums paid regularly for the policy term of 29 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.

^{~^}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

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

^## Accelerated Critical Illness benefit(ACI benefit) is up to ₹1 crore (Subjected 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 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 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.

^{^^}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

^~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

²A discount as follows will be offered on first year’s premium of Death Benefit, Terminal Illness and Waiver of Premium on permanent disability (excluding rider premiums, underwriting extra premiums and taxes) to salaried customers opting for sum assured greater than or equal to ₹ 15,000,000:

⁴A 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.

⁵In 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.

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.

⁸Our 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

⁹Accidental 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.

^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.

^S1 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)

^{^} Tax benefit of ₹ 54,600 (₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of ₹ 1,50,000 and health premium u/s 80D of ₹ 25,000. 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

^°a The first year premium of ₹677 p.m. (less than ₹23 per day) has been approximately calculated for a 18-year-old healthy male(Occupation: Salaried) life with monthly mode of payment and premiums paid regularly for the policy term of 48 years with income payout option (income for 30 years) with Life Cover of ₹1 crore. The premium amount is inclusive of taxes. For the above selected premium, customer will be able to avail 5% lifetime online discount and 30% lifetime discount on premiums due to monthly income payout

^!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 Source: https://www.iciciprulife.com/about-us/investor-relations/yearly-public-disclosures.html?ID=about3

^F The 15% percentage has been calculated by comparing the premium for a 20-year-old healthy male (occupation: salaried) and 20-year-old healthy female (occupation: salaried), for a life cover of ₹1 crore under life option for a policy term of 26 years for a monthly income payout option (till 30 years) for a regular premium pay mode. The premium (inclusive of taxes) for this case for the male is ₹ 481 per month and for a female is ₹ 410 per month

W/II/1058/2023-24

ICICI Pru iProtect Smart UIN:

ICICI Pru iProtect Smart Return of Premium

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

³Return 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.

⁴Accidental 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).

⁵Accidental 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.

^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.

^*Tax benefits under the policy are subject to conditions under Section 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 prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

W/II/1208/2024-25

ICICI Pru iProtect Smart Return of Premium. UIN. 105N195V01.

ICICI Pru Non-Linked Accidental Death and Disability Rider. UIN: 105B042V02

^~*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.

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.

⁺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 - . ICICI Pru Signature - . ICICI Pru Guaranteed Pension I13 & I14 UIN - . ICICI Pru Guaranteed Pension Plan Flexi - . ICICI Pru Saral Pension Plan - . ICICI Pru Guaranteed Wealth Protector -

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.

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.

^//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.

^$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.

^≠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.

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.

^&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.

ICICI Pru iProtect Smart UIN: . COMP/DOC/Jun/2023/96/3246

ICICI Pru Savings Suraksha

¹ Life Cover is the benefit payable on death of the life assured during the policy term

² Your GMB will be set at policy inception and will depend on policy term, premium, premium payment term, Sum Assured on death and gender. Your GMB may be lower than your Sum Assured on death

³ Guaranteed 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

⁴ 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 applied 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, if any. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death

⁵Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details

^* Guaranteed benefits is in the form of Guaranteed Maturity Benefit and Guaranteed Additions

ICICI Pru Savings Suraksha: UIN . ADVT: W/II/0901/2023-24

ICICI Pru Guaranteed Pension Plan Flexi

² Joint life can be either the spouse/child/parent or sibling of the primary annuitant

³ Applicable for Joint Life options only. The policyholder can choose the waiver of premium benefit option with joint life options. On death of the primary annuitant during the premium payment term, the future premiums will be waived off and the applicable benefits will continue to be paid to the secondary annuitant. If the waiver of the premium benefit option is selected, separate annuity rates for Joint life options will be applicable. This benefit is applicable only in case of death of primary annuitant while the policy is inforce and premium paying

ICICI Pru Guaranteed Pension Plan Flexi: UIN. W/II/1054/2024-25

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 105N190V02

⁶Bonuses: Bonuses will be applied through the simple bonus method. Cash Bonuses may be declared annually throughout the policy term for all three variants, and will be expressed as a proportion of the Annualized Premium. For a new policy sold with Date of Commencement of Risk on or after April 1 in any financial year, there may not be any Cash Bonus rate declared for such policies when the Survival Benefit becomes due to be paid. In such circumstances, the Company may pay a fixed cash income benefit in lieu of Cash Bonus. This fixed cash income benefit will be based on a non-participating Cash Income rate (declared by the Company annually in advance) and once declared shall remain guaranteed to be paid as part of Survival Benefit as and when it is due. Such payments in the form of fixed benefit shall continue till a Cash Bonus rate (as applicable for the policy) is declared and the Cash Bonus benefit, if declared, becomes payable at the next benefit due date. A separate Terminal Bonus may be declared under each variant, and will be payable on death, surrender and maturity, respectively, for a premium paying or a fully paid policy. Please refer to the sales brochure for more details.

ICICI Pru Gold UIN: 105N190V02 A Non-Linked, Participating Individual Life Insurance Savings plan. W/II/0941/2023-24

ICICI Pru Protect N Gain

¹ Life cover is the benefit payable on death of the life assured during the policy term. Death Benefit will be highest of:

^{^a} The premium ₹8982 p.m. is calculated for a 40-year-old healthy male with the monthly mode of payment, premiums paid for 12 years for the policy term of 40 years and life cover of ₹1 crore. The premium shown is inclusive 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 entire policy term opted.

ADVT: W/II/1197/2023-24

ADVT: W/II/0327/2024-25

ADVT: W/II/0722/2024-25

COMP/DOC/May/2024/305/6251

ICICI Pru Platinum

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

² Systematic Withdrawal Plan is allowed only after completion of five policy years

³ Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961.

^∆Maturity amount is shown for a Male 20 years old who has invested Rs 5000 per month for 20 years and policy term is 20 years. Maturity amount is shown for a Male 20 years old who has invested Rs 5000 per month for 15 years and policy term is 15 years.

⁴ Past performance of funds is not indicative of future performance.

ICICI Pru Platinum (UIN: 105L192V01). ADVT: W/II/0043/2024-25

IShield

This advertisement is designed for Combi Product named: iShield, UIN: . The product is jointly offered by “ICICI Lombard General Insurance Company Limited” and “ICICI Prudential Life Insurance Company Limited” which offers the combination of a Life Insurance cover offered by ICICI Prudential Life Insurance Company Limited and a Health Insurance cover offered by ICICI Lombard General Insurance Company Limited. The risks of this ‘Combi Product’ are distinct and are assumed / accepted by respective insurance companies. The liability to settle the claim vests with respective insurers, i.e., for health insurance benefits “ICICI Lombard General Insurance Company Limited” and for life insurance benefits “ICICI Prudential Life Insurance Company Limited.”

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

²Permanent Disability: On diagnosis of Permanent Disability (PD) due to an accident, the future premiums under your policy for all benefits are waived. To know more about definitions, terms and conditions applicable for permanent disability due to accident, kindly refer sales brochure of ICICI Pru iProtect Smart.

³The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed, for the period and to the extent of the Sum Insured as specified in the Schedule to this Policy. The Policy covers Reasonable and Customary Charges incurred towards medical treatment taken during the Policy Period for an Illness, Accident or condition described below if this is contracted or sustained by an Insured / Insured Person during the Policy Period and subject always to the Sum Insured, any subsidiary limit specified in the schedule of Benefits, the terms, conditions, limitations and exclusions mentioned in the Policy and eligibility as per the insurance plan opted by insured and stated in as stated in the Schedule

⁴This benefit covers relevant medical expenses incurred during a period up to the number of days as specified in the Schedule of benefits forming part of this Policy, prior to hospitalisation or day care treatment for treatment of Disease, Illness contracted or Injury sustained for which the Insured / Insured Person was hospitalized, giving rise to an admissible claim under this Policy. This benefit is a part of benefit available under ‘In-patient treatment’ and is limited to the available Sum Insured under ‘In-patient treatment’. Pre-hospitalisation Medical Expenses can be claimed as reimbursement only.

⁵This benefit covers hospitalisation expenses towards medical treatment, and/or day care procedure/ treatment/ surgery incurred by the Insured / Insured Person which is undertaken under General or Local Anesthesia in a Hospital/day care centre (where 24 hours of hospitalisation is not required due to technologically advanced treatment) which shall be payable. The benefit under this Section is limited to the available Sum Insured under ‘In patient treatment’ of this Policy as mentioned in the Schedule to this Policy

⁶Tax benefits 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 more details.

IShield – UIN: . ADV/17800

ICICI Pru GIFT Pro

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

²Guaranteed Benefits will be payable subject to all due premiums being paid.

³Level Income and Increasing Income are income options available under GIFT Pro. Under Level Income, the Guaranteed Income will remain constant throughout the income period. If Increasing Income is selected, the Guaranteed Income will increase by 5% p.a of the base income

⁴You can choose to receive any percentage from 0% to 100% of the sum total of all annualized premiums payable by you as MoneyBack Benefit. This will be paid as a one time Lump sum amount. Additionally you also have the flexibilty to choose any year, on or after the maturity date of the policy up to the last income year, to receive this MoneyBack Benefit. Your Guaranteed Income amount will be adjusted based on the MoneyBack Benefit % and payout year selected by you. You can opt for these flexibilities at the inception of the policy. MoneyBack Benefit % and payout year cannot be changed later.

⁵Low cover income booster at the inception of the policy, you can choose to opt for “Low Cover Income Booster” wherein you will be able to receive increased income for opting a lower life cover

⁶You have an option to receive GI every year on a Special Date of your choice preceding the due date of first GI pay-out during the Income Period. The Special date can be chosen to coincide with any date such as, Date of Maturity, birth date or anniversary date etc. Payment of GI will commence from this Special Date and all further GIs will be paid every year on this Special Date chosen. In case You opt for a Special Date, the GI payable each year would be adjusted by multiplying the GI amount with a discount loading factor, varying by the policy month in which the Special Date falls.

⁷Tax benefits under the policy are subject to conditions under 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.

^~Additional Benefit is offered for online sales: For both Level Income/Increasing Income Plan option, Extra 3% of Guaranteed Income and Moneyback Benefit is applicable.

^Ͱ The total amount is calculated for a 30-year-old healthy male with a premium paying term of 12 years, deferment period of 5 years, income period of 30 years taking income in annual instalment along with 100% MoneyBack with the last income under Increasing 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 entire policy term opted. 6X is calculated by taking the sum of all benefits payable and dividing it by the total premiums paid.

ICICI Pru GIFT Pro UIN:

ICICI Pru Guaranteed Income for Tomorrow

¹Guaranteed benefits in the form of lump sum will be payable under Lump Sum Plan option. Guaranteed benefits in the form of regular income will be payable under Income Plan option and Early Income Plan option provided all due premiums have been paid.

²Life Insurance Cover is the benefit payable on death of the Life Assured during the policy term.

³Tax benefits 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 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.

⁴Calculated for a 30-year-old healthy male with a premium paying term of 12 years and a policy term of 20 years for Lump Sum 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 entire policy term opted.

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

ICICI Pru Gold Pension Savings

¹Guaranteed benefit is the Assured Benefit, i.e., 105% of the total premiums paid

²Bonuses are in the form of regular bonus, loyalty accumulation and terminal bonus

³Minimum 40% of the vesting benefit must be mandatorily used to purchase an annuity plan

⁴This can be availed after the completion of 3 policy years and allows you to encash up to 25% of the Total Premiums Paid over the lifetime of your policy. Withdrawals are allowed for the conditions of higher education of children; marriage of children; purchase or construction of a residential house or flat; treatment of critical illnesses; to meet medical and incidental expenses arising out of the disability

⁵Avail periodic complimentary health check-ups during the policy years on attaining 50 years of age and completion of 3 policy years. This service shall be directly provided by third party service provider(s) and the Company will not be liable for any deficiency in service by the service provider. The Company reserves the right to discontinue the service or change the service provider(s) at any time. Please read the policy document to know more

ICICI Pru Gold Pension Savings UIN:. ADVT No:- W/II/1283/2023-24

ICICI Pru Save N Grow

¹ Guaranteed benefits will be payable, provided all due premiums have been paid. Guaranteed benefits are payable through ICICI Pru Guaranteed Income For Tomorrow

² Wealth creation is through maturity benefit of ICICI Pru EzyGrow.

³ 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 prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

⁴ Life cover is the benefit payable on death of the life assured during the policy term.

⁵ There is no premium allocation charges in ICICI Pru EzyGrow. Starting from the 6th policy year, at the beginning of each policy month, the mortality charge (excluding taxes and excluding extra mortality charges) and policy administration charge (excluding taxes) deducted from the policy in the 60th month prior to the applicable month, will be added back to the Fund Value in the form of addition of units.

⁶ Maturity Booster will be allocated as extra units at the end of the policy term provided the policy is in-force. The Maturity Booster will be equal to a percentage 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, as shown in the table below:

ICICI Pru EzyGrow UIN:, ADVT : W/II/1483/2023-24

ICICI Pru Signature CG II

¹ 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 10th policy year till the end of your policy term.

² 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 prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

⁴ Life cover is the benefit payable on death of the life assured during the policy term.

⁹ Guaranteed benefits will be payable, provided all due premiums have been paid. Guaranteed benefits are payable through ICICI Pru Guaranteed Income For Tomorrow.

¹² Wealth creation is through maturity benefit of ICICI Pru Signature.

ICICI Pru Signature UIN:, ADVT : W/II/1482/2023-24

Smartkid with ICICI Pru Smart Life

^~Reference for rising cost of education: https://www.thehindubusinessline.com/data-stories/data-focus/after-a-massive-dip-in-2021-education-inflation-rises-with-return-to-normalcy/article65513706.ece https://www.moneycontrol.com/news/business/personal-finance/how-education-inflation-can-hurt-your-childs-future-8682261.html

^`Company pays all due premiums in your absence provided all due premiums have been paid. Units will continue to be allocated as if the premiums are being paid – to ensure that your savings for your desired goal continues uninterrupted.

^*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

⁺Partial withdrawals are allowed after the completion of five policy years provided monies are not in Discontinued Policy Fund. You can make unlimited number of partial withdrawals as long as the total amount of partial withdrawals in a year does not exceed 20% of the Fund Value in a policy year. The partial withdrawals are free of cost. For the purpose of partial withdrawals, lock in period for Top-up premiums will be five years from date of payment or any such limit prescribed by IRDAI from time to time. Partial withdrawal will not be allowed if it results in termination of the policy

^ΔChild Education Plan -Maturity amount is shown for a Male 20 years old who has invested ₹ 5000 per month for 20 years and policy term is 20 years. Child Investment Plan-Maturity amount is shown for a Male 20 years old who has invested ₹ 5000 per month for 15 years and policy term is 15 years

SmartKid with ICICI Pru Smart Life Plan UIN . Advt. No.: W/II/0607/2023-24

^`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.

^*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.

^Ωhttps://www.deccanherald.com/business/1-in-3-life-insurance-policies-in-india-sold-to-women-sbi-report-1093571.html

E/II/0643/2023-24

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

Two policies of ICICI Pru iProtect Smart. UIN:
W/II/0602/2023-24

^††The 18% percentage has been calculated by comparing the premium for a 34-year-old healthy male (occupation: non-salaried) and 34 year old healthy female (occupation: non-salaried), for a life cover of ₹1 crore & an accelerated critical illness benefit of ₹10 lakh for a policy term of 26 years for a lumpsum payout option for a regular premium pay mode. The premium (inclusive of taxes) for this case for the male is ₹20,121 per annum and for a female is ₹16,384 per annum.

^`=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.

*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.

^Ωhttps://www.deccanherald.com/business/1-in-3-life-insurance-policies-in-india-sold-to-women-sbi-report-1093571.html

ICICI Pru Saral Pension

^$! Guaranteed benefits will be payable subject to all due premiums being paid

^$@ On diagnosis of any of the listed medical emergencies, customer can withdraw 95% of the total premiums paid and the policy terminates

ICICI Pru Saral Pension UIN 105N184V07

Data regarding Claim Settlement Ratio^{^6}, Benefits paid till March 31, 2024`, Assets Under Management as on March 31, 2024^{^^}, Lives Covered as on March 31, 2024^{^^} is as per Annual Report 2023-2024. Please refer to the same for further details.

E/II/0643/2023-24

ICICI Pru Signature Pension

¹ A tax-free commutation of up to 60% of the vesting benefit can be availed. Tax benefits are subject to conditions under Sections 80CCC, 10(10A), 115BAC and other provisions of the Income Tax Act, 1961.

² This can be availed after the completion of 5 policy years and allows you to withdraw up to 25% of the total fund value on the date of request, allowed only for a maximum of 3 times over the policy term. Withdrawals are allowed for the conditions of higher education of children; marriage of children; purchase or construction of a residential house or flat; treatment of critical illnesses; to meet medical and incidental expenses arising out of the disability.

³ Past performance of funds is not indicative of future performance.

⁴ Return of charges includes premium allocation charges, mortality charges and policy administration charges deducted (excluding tax) till time of vesting.

^1’Calculated for a 30-year-old healthy male with a premium paying term of 15 years and a policy term of 30 years for Limited pay 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 entire policy term opted.

ICICI Pru Signature Pension - UIN: 105L194V01

ADVT: W/II/0782/2024-25

ICICI Pru Signature Assure

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.

¹ Past performance of funds is not indicative of future performance.

² Following the death of the Life Assured (provided all due premiums have been paid) the company shall waive all future premiums as and when payable under the policy (after the date of death) and the policy shall continue till the end of policy term. Further Units equivalent to the instalment premium will be allocated on each of the subsequent premium due dates by the Company. The prevailing mandate on fund choices shall be used for investing the benefit amounts into the policy.

³ Loyalty Additions will be allocated as extra units at the end of every fifth policy year starting from the end of the tenth policy year. Each Loyalty Addition will be 2.50% of the average of Fund Values on the last business day of the last eight policy quarters.

⁴ This benefit is applicable only where the Life Assured survives till the end of the policy term provided all due premiums have been paid and no partial withdrawals have been made during the policy term.

⁵ An amount equal to a percentage of the Sum Assured will be paid out to the nominee as regular income on each subsequent policy anniversaries following the date of death till the end of the policy term. This percentage can vary between 0% and 10% (both inclusive) and once chosen at the time of purchase of the policy, shall remain fixed through the policy term.

⁶ Life cover is the benefit payable on death of the Life Assured during the policy term.

⁷ Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961.

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 Signature Assure 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 Signature Assure UIN:

ADVT: E/II/1387/2024-25