Features of ICICI Pru Guaranteed Income For Tomorrow

ICICI Pru Guaranteed Income For Tomorrow is a life insurance plan with
guaranteed benefits to help you achieve your life goals and also provides
life insurance cover to take care of your family in your absence. Read on
to know more about the benefits of this policy.

What are benefits of this policy?

`
1. Guaranteed Income: From Jan
Aug2029
2042 to Dec
Aug 2038
2051 you will receive a Guaranteed Income* of
` 7,162/-
<20,00,000> every month 10for 10 years.
6 months
2. Life Insurance Benefit: If the person insured by this policy passes away, during the policy term, a
lump sum amount will be paid to the person specified in your policy (the nominee).
The amount which will be paid out will be higher of the following:
• Sum Assured on Death i.e. ` 10,00,000/-
<10,00,000>
• 105% of Total Premiums Paid up to the date of death
• An amount payable based on annual Guaranteed Income and the date of death
The nominee or any family member can initiate the process of receiving this amount by visiting
www.iciciprulife.com/claims.
3. Tax Benefit: You can avail tax benefits on the premiums you pay towards this plan and the benefits
you receive, subject to conditions under section 80C,10(10D),115BAC & other provisions of the Income
Tax Act, 1961. Tax laws are subject to amendments from time to time.

4. Loans: You can avail loans under this policy after payment of two years policy premium. For details, `
you can contact your nearest branch.

What you need to do for this plan to work for you?

You have to pay premium of ` 1,00,000/-

<10,00,000> every year
6 months for 5
10 to Jan 2026
years, up<date>.

What happens if I cannot pay premiums for the complete premium payment term?

It is in your best interest that you pay premiums till Jan

Aug2026
2030 and stay invested till Jan
Aug2028
2079 , `
`

in this policy so that you enjoy all the benefits of this policy.
• If you stop paying premiums after paying for at least two full years, your policy will continue with
reduced benefits.
• If you stop paying premiums in the first two years, no benefits will be payable.

*The Guaranteed Income mentioned here is an indicative amount based on the date on which you applied for this policy. The exact income will be as per the date of
issuance of your policy and is specified in the Policy Certificate attached in your welcome kit.
IRDAI Reg No: 105. CIN: L66010MH2000PLC127837. ICICI Prudential Life Insurance Co. Ltd. Registered Address: 1089, Appasaheb Marathe Marg, Prabhadevi,
Mumbai-400025. UIN 105N182V02. COMP/DOC/Dec/2020/1412/4991.
 Benefit Illustration of ICICI Pru Guaranteed Income For Date: 03-Jan-2022 14:17:50
Tomorrow

Name of the Policyholder : Mr. Name of the Product : ICICI Pru Guaranteed Income
For Tomorrow
Age of the Policyholder : 17-Aug-1997 (24 years) Tag Line : A Non-Linked Non-Participating
Life Individual Savings Product
Gender of the Policyholder : MALE
Name of the Life Assured : Mr. Unique Identification No. : 105N182V02
Age of the Life Assured : 17-Aug-1997 (24 years) Applicable Tax for Year 1 : 4.5%
Gender of the Life Assured : MALE Applicable Tax For Year 2 Onwards : 2.25%
Policy Term : 6 Years Sales Channel : BOL
Premium Payment Term : 5 Years
Amount of Instalment Premium : Rs. 100,000/-
Frequency of Premium Payment : Yearly

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy

Policy Details
Policy Option (Plan Option Income Guaranteed Income : Rs. 85,942
selected by You)
Sum Assured on Death (at Rs. 1,000,000 Frequency of Guaranteed Income: Monthly
inception of the policy) :
Income Period: 10 years

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST and Cesses, if any Rs. 100,000/- - Rs. 100,000/-
Instalment Premium with first year GST and Cesses, if any Rs. 104,501/- - Rs. 104,501/-
Instalment Premium with GST and Cesses, if any 2nd year onwards Rs. 102,251/- - Rs. 102,251/-

Policy Year Annualised premium Guaranteed Benefits Non-Guaranteed Benefit

Maturity Benefit (Guaranteed Income) Death Benefit (Life Min. Guaranteed Special Surrender Value
Insurance Benefit) Surrender Value
1 100,000 0 1,000,000 0 0
2 100,000 0 1,000,000 60,000 60,000
3 100,000 0 1,000,000 105,000 105,000
4 100,000 0 1,000,000 200,000 343,857
5 100,000 0 1,000,000 450,000 473,867
6 0 0 1,000,000 450,000 522,450
7 0 85,942 0 0 0
8 0 85,942 0 0 0
9 0 85,942 0 0 0
10 0 85,942 0 0 0
11 0 85,942 0 0 0
12 0 85,942 0 0 0
13 0 85,942 0 0 0
14 0 85,942 0 0 0
15 0 85,942 0 0 0
16 0 85,942 0 0 0

Note: Annualised Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any,
Goods and Service Tax and Cesses, if any.

Disclaimers
===========
1. ICICI Pru Guaranteed Income For Tomorrow is a savings and protection oriented plan.
2. ICICI Pru Guaranteed Income For Tomorrow - is only the name of the policy and does not in any way indicate the
quality of the policy, its future prospects or returns. However, in the above illustration, total maturity amount and death
benefit are guaranteed.
3. The above illustration is applicable to a standard life (from medical, life style and occupation point of view).
4. The main objective of the illustration is that the policyholder is able to understand the features of the product and the
nature of benefits under different circumstances with some level of quantification.
5. The policy will acquire a surrender value after payment of two full years' premium. The surrender value payable will be
Guaranteed Surrender Value, if any, at the point of surrender or Special Surrender Value, whichever is higher. The
displayed Special Surrender Values are not guaranteed and only indicative. These may change from time to time. The
policyholder is advised to check the Special surrender value payable with the company before surrendering.
 6. The surrender values are illustrated assuming that all due premiums in a policy year are paid and that the event
occurs at the end of the policy year. The surrender values will be lower than those illustrated above if surrender takes
place before the end of the policy year or if all due premiums in that policy year have not been paid.
7. All benefits shown in Benefit Summary are payable at the end of the year.
8. The loan amount available will be 80% of the surrender value.
9. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail.
10. The above information must be read in conjunction with the sales brochure and policy document.
11. Tax benefits under the policy will be as per the prevailing Income Tax laws. We recommend that you seek
professional advice for applicability of tax benefit on premiums paid and benefits received.
12. Goods and Service Tax and Cesses, if any, shown above will be charged extra as per applicable rates. Tax laws are
subject to amendments from time to time.
13. For any further clarifications, please feel free to contact your advisor / FSC or e-mail us on lifeline@iciciprulife.com

I, __________________________________, have explained I, ______________________________, having received the

the premiums, and benefits under the policy fully to the information with respect to the above, have understood the
prospect / policyholder. above statement before entering into the contract.
Company Seal:
Place: Place:
Date: Signature of Agent / Intermediary / Official Date: Signature of Prospect / Policyholder

ICICI Prudential Life Insurance Company Limited.

1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025
Email: lifeline@iciciprulife.com
www.iciciprulife.com