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            Waiver of Premium feature3
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       * ICICI Pru Guaranteed Pension PlanDeferred Annuity
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            option to defer income by upto 10 years
          * Lock in the current interest rates for the annuity to be received
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          * Annuity plan can cover either single or joint life*
          * Flexible payout options to suit your need2
          * Tax benefits# on premium paid u/s 80CCC of Income Tax Act, 1961
         
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       * ICICI Pru Guaranteed Pension PlanImmediate Annuity
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          * Annuity plan can cover either single or joint life*
          * Flexible payout options to suit your need2
          * Tax benefits# on premium paid u/s 80CCC of Income Tax Act, 1961
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       * ICICI Pru Saral Pension Plan
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       * ICICI Pru Signature
          * Financial protection for your loved ones with life cover
          * Return of mortality and policy administration charges1
          * Enjoy policy benefits till 99 years of age with Whole Life policy
            term option
          * Withdraw money regularly from your policy with SWP3
         
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         For offline Signature refer to Offline Signature Brochure
   
    * HEALTH INSURANCE
       * ICICI Pru Heart / Cancer Protect
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            This section helps you understand the amount of money that you could
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I want to
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and save for my child’s future Build a retirement corpus
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DISCOVER THE RIGHT INSURANCE PLAN FOR YOUR GOALS

Select a goal that matters to you the most


FAMILY PROTECTION


FAMILY PROTECTION

“Family always comes first”

Let us be your guide in providing your family with complete financial security

Find out more X


EARLY INVESTING


EARLY INVESTING

“Gain more by investing early”

Small investments today can lead to a big corpus which can meet your financial
goals.

Find out more X


PLAN FOR YOUR CHILD’S FUTURE


PLAN FOR YOUR CHILD’S FUTURE

“Plan ahead for your little one”

Providing the best education to your child is every parent’s goal. Choose our
investment plans to ease the financial stress.

Find out more X


CREATE LONG TERM WEALTH


CREATE LONG TERM WEALTH

“Make your money work hard”

Our plans give you unmatched flexibility as well as create long term wealth for
you and your loved ones.

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PLAN FOR A HAPPY RETIREMENT


PLAN FOR A HAPPY RETIREMENT

“Make your second innings count”

Allow us to be your guide in pursuing your dreams and making the retirement
milestone worth celebrating.

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REDUCE TAX BURDEN


REDUCE TAX BURDEN

“Save Tax & Grow your money”

Our plans are here to reduce tax related cuts which not only allow you to save
more but also give you more security.

Find out more X
COMP/DOC/Jun/2022/286/0673



LIFE INSURANCE, RETIREMENT PLANNING, AND WEALTH CREATION

All in one place.

 * Endowment Plan
   
   
   ICICI PRU SAVINGS SURAKSHA
   
   Key Features
    * GuaranteedↃ returns with company performance-linked bonuses£
    * 5% Guaranteed AdditionsŦ for the first 5 years
    * Tax-free± returns
   
    * TAX BENEFIT±
    * LIFE COVER
   
   Start with just ₹ 1,000/- per month
   
   CHECK RETURNS
   ↃConditions Apply
   
   

 * CHILD PLAN
   
   
   ICICI PRU SMARTKID WITH SMART LIFE
   
   Key Features
    * Grow your money with market investment
    * Premium waiver to secure child’s future
    * Free of cost money withdrawal
   
    * TAX BENEFITS
    * LIFE COVER*
   
   Start with just ₹ 3,750/- per month
   
   CHECK RETURNS
   *Conditions Apply
   
   

 * TERM INSURANCE
   
   
   ICICI PRU
   IPROTECT SMART
   
   Key Features
    * Life cover+ to secure your family
    * Critical Illness^ cover option
    * Lump sum or regular income to your loved ones in your absence
   
    * LOW COST ##
    * TAX BENEFIT`
   
   Start with just ₹ 540/- per month (under Life Option)
   
   Check Premium
   
   

 * SAVINGS PLAN
   
   
   ICICI PRU GUARANTEED INCOME FOR TOMORROW
   
   Key Features
    * 100% guaranteed~~ tax-free`` income/lump sum
    * Option to get income from the 2nd year*`
    * Save tax upto ₹ 46,800/- under Section 80C``
   
    * TAX BENEFIT``
    * LIFE COVER
   
   Start with just ₹ 2,500/- per month
   
   CHECK RETURNS
   ~~Conditions Apply
   
   

 * TERM INSURANCE
   
   
   ICICI PRU IPROTECT
   RETURN OF PREMIUM
   
   Key Features
    * 105% Return of total premiums† paid
    * Life stage cover1† benefit (optional)
    * 64 Critical illnesses$* cover (optional)
   
    * TAX BENEFIT`
   
   Start with just ₹ 1,066/- per month (under level cover option) ‘``
   
   Check Premium
   
   

 * ULIP PLAN
   
   
   ICICI PRU
   SIGNATURE ONLINE
   
   IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE
   POLICYHOLDER
   
   Key Features
    * Tax-free` market-linked returns
    * Extra wealth boosters`* @ 3.25%
    * Easy withdrawals at no cost^*
   
    * TAX BENEFIT`
    * LIFE COVER
   
   Start with just ₹ 2,500/- per month
   
   CHECK RETURNS
   
   

 * RETIREMENT PLAN
   
   
   ICICI PRU SARAL PENSION PLAN
   
   Key Features
    * Guranteed~ lifelong income
    * Competitive rates
    * 100% Return of Purchase Price
   
    * 1% extra income on buying online
   
   Pay ₹ 25 Lakh once, Get ₹ 13,331/- p.m. for life++
   
   CALCULATE PENSION
   ~# Conditions Apply
   
   

 * Guaranteed Income Plan
   
   
   ICICI PRU GUARANTEED INCOME FOR TOMORROW (LONG-TERM)
   
   Key Features
    * 100% Guaranteed≠, tax-free∞ income for up to 30 yearsꓘ
    * Option to get 110% Return of PremiumꞂ
    * Save tax upto ₹ 46,800/- under Section 80C∞
   
    * TAX BENEFIT∞
    * LIFE COVER
   
   Start with just ₹ 2,500/- per month
   
   CHECK RETURNS
   ≠Conditions Apply
   
   

 * RETIREMENT PLAN
   
   
   ICICI PRU GUARANTEED PENSION PLAN FLEXI
   
   Key Features
    * Guranteed~ lifelong income
    * Easy systematic investment
    * Financial security with waiver of premiums3 option
   
    * Tax-benefit *
    * Death-benefit1
   
   Easy investment of ₹ 5000/- p.m.
   
   CALCULATE PENSION
   ~# Conditions Apply
   
   






Conditions Apply. W/II/5060/2021-22



LIFE INSURANCE

A life insurance plan is a contract between an insurance policyholder and an
insurance company, where the insurer promises to pay a sum of money in exchange
for a premium after a set period or upon the death of an insured person. Life
insurance offers you and your family financial protection. Some policies also
offer optional add-ons, such as critical illness benefit, accidental death
benefit, and more. The importance of life insurance cannot be ignored in
ensuring the financial safety of your loved ones.


BENEFITS OF BUYING LIFE INSURANCE

+
Life insurance protects your family members’ financial interests in your
absence. It gives you peace of mind and confidence and helps you save taxes.
There are several benefits of life insurance. Let us take a look at some of
them:
 * Financial security: Life insurance products can provide you and your loved
   ones with financial security. You can financially secure your family by
   choosing a substantial life cover+ so that they can maintain their standard
   of living in your absence.
 * Wealth creation: These plans help you create wealth over time and build
   savings. Life insurance plans can be used to save for your future needs. They
   offer options to cover different types of risks and goals.
 * Disciplined investment: With regular premium payments, life insurance plans
   inculcate financial discipline. They offer unique investment opportunities
   for every risk type with a wide range of products, such as unit linked
   investment plans, guaranteed^ savings plans, endowment plans, and more.
 * Retirement planning: Life insurance products like annuity plans, savings
   plans, endowment plans, and others help you build a retirement pool. These
   plans offer guaranteed^ income on maturity and help you secure your
   retirement with adequate savings.
 * Tax savings: Life insurance plans offer many tax` benefits to facilitate
   better savings. The premiums paid are tax` deductible under Sections 80C and
   80D of the Income Tax Act, 1961. The maturity benefits also enjoy a tax-free`
   status under Section 10(10D) in most cases.

^ T&C Apply


WHAT ARE THE DIFFERENT TYPES OF LIFE INSURANCE?

+
Types of life insurance in India:
 * Term Life Insurance Plan: Term insurance plans offer your nominee a fixed sum
   assured amount in exchange for regular premiums, in case of an unfortunate
   incident during the policy term.
 * Health Insurance Plan: Health insurance plans reimburse insured customers for
   their medical expenses, including treatments, surgeries, hospitalisation and
   the like which arise from injuries/illnesses, or directly pay out a certain
   pre-determined sum to the customer.
 * Unit Linked Insurance Plan (ULIP): A unit linked insurance plan offers
   investment and insurance under the same policy. A part of your premium gets
   invested in equity/ debt/ balanced funds as per your choice and the other
   part is used to secure your loved ones with a sum assured.
 * Endowment Plan: An endowment plan allows you to build risk-free savings and
   protect the financial interests of your family in your absence.
 * Annuity Plan: An annuity plan is a type of retirement plan that offers you a
   regular payment in return for a lump sum investment. In simple words, you pay
   the life insurance company a premium in a lump sum and your money is returned
   to you as regular income either immediately or after a certain period of
   time. The life insurance company invests your money and pays back the returns
   generated from it to you as payouts.


WHO NEEDS LIFE INSURANCE THE MOST?

+
Life insurance can be a must-have financial tool for the following people:
 * Newly married couples: Life insurance can offer newly married couples peace
   of mind and financial security. It can help your spouse live their life
   comfortably and meet all financial liabilities.
 * Parents with young children: Parents with young children can purchase life
   insurance to ensure that their children have a financial cushion to fall back
   on if they are not around to take care of them. Insurance plans can also help
   parents save for their kids’ future needs.
 * People nearing retirement with fewer savings: Life insurance plans allow you
   to save and invest your money. You can opt for low-risk options and secure
   your retirement and old age.
 * Business owners: Life insurance benefits can help your family carry on your
   business in your absence. The payouts can also help them pay off creditors or
   clear your debts.


REASONS TO BUY LIFE INSURANCE

+
You can also buy life insurance policies online. You can compare different life
insurance products, their premiums, sum assured amounts, features, and more on
the internet. You can also compare the claim settlement ratio of several
insurance companies and pick a suitable life insurance policy. Life insurance
can be useful for several reasons like:
 * It protects your loved ones and allows them to lead a dignified and
   comfortable life in your absence.
 * It lets you create an additional source of income to meet your goals.
 * It helps you cover medical costs with add-on coverage.
 * It offers you peace of mind.
 * It helps you save for your old age.
 * It ensures a regular stream of income even after retirement.
 * It helps you provide for your child’s education and future needs.


HOW MUCH LIFE INSURANCE DO I NEED?

+
The simplest way to calculate the minimum sum assured amount for a life
insurance plan is to multiply your current annual income by 10$ if you’re under
55 years of age. For example, if your current annual salary is ₹ 10 lakh, you
should buy a life insurance cover that is worth at least ₹ 1 crore. Another way
to calculate life insurance is by analysing your current and future expenses.
Here are some of the most important factors that you must consider before
choosing a sum assured amount for life insurance:
 * Debt: Financial liabilities like loans can become a burden on your family in
   your absence. Take cognizance of your debt and pick a life insurance amount
   that can be used to repay it.
 * Dependents: Consider the expenses of dependent family members like minor
   children and ageing parents. Different circumstances may necessitate
   different coverage needs. So, pick an appropriate amount of life insurance as
   per their lifestyle and requirements.
 * Financial goals: Financial goals like retirement planning, children's higher
   education, marriage, medical expenses, and others must also be considered
   while selecting the sum assured for life.
 * Age: Different stages of life present different financial needs. Hence, keep
   the age of your dependents in mind while calculating your life insurance
   coverage.

A Human Life Value calculator considers all these factors and helps you find the
right cover amount tailored to your needs.


FACTORS THAT AFFECT LIFE INSURANCE PREMIUM

+
The premium amount for your life insurance plan can depend on several factors.
Some of these have been mentioned below:
 * Age: Age is one of the chief factors that impact the life insurance premium.
   As you age, the possibility of the insurer paying the claim also increases.
   This is why the premium rises with age.
 * Gender: Women tend to live longer than men $$. Hence, they pay the premium
   for a longer period. This results in a comparatively lower life insurance
   premium.
 * Present health and medical history: You have to undergo a medical test before
   purchasing a life insurance policy so that the insurer can assess your health
   status. Having a history of medical issues can increase the premium for life
   insurance. Family health history and hereditary diseases can also impact the
   life insurance premium.
 * Lifestyle: Poor lifestyle choices like smoking and drinking can increase the
   risk of certain ailments. This impacts the premium amount for a life
   insurance plan.


HOW DO I FILE A LIFE INSURANCE CLAIM?

+
You can file a life insurance claim in the following steps:
 * You can file a claim online, at a physical branch central office, or on our
   central ClaimCare helpline through SMS or email.
 * You can visit the Claims section of the ICICI Prudential website to submit an
   online claim.
 * You can call us at our 24x7 ClaimCare helpline number at 1860 266 7766.
 * You can email us at claimsupport@iciciprulife.com


Please submit the following information along with the claim:
 * Claimant statement form.
 * Death certificate in case of death claims.
 * Medical papers, diagnosis reports, and other necessary documents.
 * Your identity proof, address proof, and a cancelled cheque or copy of your
   bank passbook.

The team will assess your claim and get back to you if they need any more
information.
COMP/DOC/Sep/2021/159/6577


CUSTOMER TESTIMONIALS & REVIEWS

Customer Testimonials & Reviews

 * 
   Karan Gupta
   ★★★★★
   Thanks to ICICI Prudential Life Insurance for solving my queries about the
   term plan. I bought a term plan online for the very first time to secure my
   family. I had so many queries related to the policy and the customer service
   associate helped me clear all my doubts.
   
   

 * 
   Nakul Bhangadia
   ★★★★★
   Hassle-free and dependable. If the first few steps of taking insurance are
   smooth, it gives confidence that the insurance is in safe hands.
   
   

 * 
   Amit Sharma
   ★★★★★
   Easy process. With the help of your executive, it becomes more trustable.
   
   

 * 
   Suman Roychoudhury
   ★★★★★
   Term insurance policy issuance is usually time taking with lots of documents
   and medicals. Thanks to ICICI Prudential Life Insurance team for proving this
   is a myth if you are purchasing term insurance online. Even during the
   pandemic, the policy issuance was lightning fast!!
   
   

 * 
   Yogesh Jain
   ★★★★★
   My personal experience was very superb, everything was very smooth and
   effortless. Happy to be a part of ICICI Prudential Life Insurance.
   
   

 * 
   Bhavya Taneja
   ★★★★★
   Fast activation of policy, E-policy document, Timely reminders. Terms and
   coverage
   
   

 * 
   Karan Gupta
   ★★★★★
   Thanks to ICICI Prudential Life Insurance for solving my queries about the
   term plan. I bought a term plan online for the very first time to secure my
   family. I had so many queries related to the policy and the customer service
   associate helped me clear all my doubts.
   
   

 * 
   Nakul Bhangadia
   ★★★★★
   Hassle-free and dependable. If the first few steps of taking insurance are
   smooth, it gives confidence that the insurance is in safe hands.
   
   

 * 
   Amit Sharma
   ★★★★★
   Easy process. With the help of your executive, it becomes more trustable.
   
   

 * 
   Suman Roychoudhury
   ★★★★★
   Term insurance policy issuance is usually time taking with lots of documents
   and medicals. Thanks to ICICI Prudential Life Insurance team for proving this
   is a myth if you are purchasing term insurance online. Even during the
   pandemic, the policy issuance was lightning fast!!
   
   





Read all

COMP/DOC/Sep/2020/179/4471

 


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DISCLAIMERS

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

`~Source: Company BuyOnline Data-Apr 2021 till date

`^Source: Company BuyOnline Data-Dec 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 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 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
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 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 age 55, 5% of 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 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 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 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 age 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 first occurrence of any of the covered 60 major Critical Illnesses
within CI Benefit term. 25% of the CI Sum Assured or ₹500,000.00 whichever is
lower is paid as a lump sum upon the Life Assured being diagnosed on 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 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 the 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 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 CI Benefit, terms & conditions governing it, kindly refer to sales
brochure. Critical Illness benefit is available till age of 75.

##The premium of ₹540 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 36 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 will be charged extra

^^Available only under Life Plus and All in One option. 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 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 applicable rates.
Tax laws are subject to amendments from time to time. Please consult your tax
advisor for more details, before acting on above.

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

~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

~*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

+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 - 105N151V06. ICICI Pru Signature -
105L177V03. ICICI Pru Guaranteed Pension Plan - 105N181V02. ICICI Pru Guaranteed
Income For Tomorrow - 105N182V05. ICICI Pru Guaranteed Pension Plan Flexi -
105N187V03. ICICI Pru Saral Pension Plan - 105N184V04. 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 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 the product brochures for the definitions, exclusions and other terms and
conditions applicable for Permanent Disability due to accident and Terminal
Illness.

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

5Day 1 is counted from the day of receiving the last document. Mandatory
documents need to be submitted at Branch Office before 3pm on a working day-
Original policy certificate, copy of death certificate by local authority,
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, Panchanama, Inquest report, Driving license. 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.

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

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

8As per currently applicable tax laws, tax benefit of ₹ 54,600 ( ₹ 46,800 u/s
80C and ₹ 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, 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 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 Section 80C,
80CCC, 115BAC and other provisions of the Income Tax Act,1961. Good 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 above.

"Guaranteed Additions (GAs) rate will be 9% for policy term of 10 years and 10%
for 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 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 policy term, premium, premium payment term, age and gender.

~~Guaranteed 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.

``Tax benefits of ₹ 54,600(₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at
highest tax slab rate of 31.20%(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. Good 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 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 installment under 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. 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 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. 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 highest tax slab rate of 31.2%
(including Cess excluding surcharge) on life insurance premium u/s 80C of
`1,50,000. 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 details, before acting on above.

+Life Cover is the benefit payable on 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 u/s 80C is calculated at highest tax slab rate of
31.20%(including cess excluding surcharge) on life insurance premium u/s 80C of
₹1,50,000. 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. Good
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 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 death of the life assured during the
policy term.

!As per Internal Data of policies sold for all products from Apr’21-Dec’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:105N185V06. ADVT:
W/II/5060/2021-22

*Claim statistics are for FY 2019-20 and is computed basis individual claims
settled over total individual claims for the financial year. For details, refer
to Public Disclosures in our Website. W/II/3484/2018-19.



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© 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.




BEWARE OF SUSPICIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
IRDAI is not involved in activities like selling insurance policies, announcing
bonus or investment of premiums. Public receiving such phone calls are requested
to lodge a police complaint.
irdai cautions public against spurious calls and FICTITIOUS offers