ABC,

ABC 36 Male

Yearly premium of Increasing Guaranteed Income for

₹ 114800/- for 10 Years 30Years + MoneyBack Benefit

25 Jan 2024 25 Jan 2033 25 Feb 2036 25 Jan 2066

Your guaranteed income will MoneyBack Benefit of Life Insurance Cover of

increase every year by 5% p.a. ₹ 1182440/- ₹ 1227212/- *for
simple interest. Your income will on Jan 25, 2066 12 Years i.e. till 25 Jan 2036
start from 25 Feb 2036 and will be
paid every year till
25 Jan 2066 The income will be
₹ 88580/- in the 1st year and
₹ 217021 / - in the last year

*This is the minimum life insurance cover available under the product

88580/- 93009/- 97438/-

Total Guaranteed Benefits(Total Guaranteed Income + Money Back Benefit) ₹ 5766455/-

You have the option to take all your future benefits in the form of a lump sum at the end of your policy term which is on
25 Feb 2036 or any time during the Income Period, at a discounted rate. For example, If you choose to do so at the end
of the policy term, you will receive an amount which will be called Maturity Sum assured. This amount will be ₹1625582.

Yearly 10 years ₹ 114800/-

Yearly Total
Applicable Yearly
Premium taxes Premium
Yearly Premium
₹ 114800/- ₹ 5166/- ₹ 119966/-
during 1st year
Yearly Premium
₹ 114800/- ₹ 2583/- ₹ 117383/-
from 2nd year onwards

₹ 7.72 Cr ₹ 2.36 Lakh Cr

March 31, 2023 March 31, 2023

₹ 2.50 Lakh Cr
March 31, 2023

105N201V02
 Proposer
This is the person who is the
owner of the policy and pays
premiums under the policy, i.e.,
ABC
Life Assured
This is the person whose life is
covered under this insurance
policy, i.e., ABC
Nominee
This is the person nominated
by the Proposer to receive
benefits in case of unfortunate
demise of the Life Assured.

Under this policy, ABC is the Proposer and also the Life Assured.

Hence, all benefits upon maturity under the product will be paid to ABC

In case of unfortunate demise of the Life Assured during the term of the policy, a lump sum death
benefit will be paid to the nominee and the policy will terminate. It is important you register your nominee
with the Company if you have not done so.

In case of unfortunate demise of the Life Assured during the Income Period, the nominee will
continue to receive future benefits under the policy.

In case the policy has been assigned by the Proposer to another person (assignee) then the
benefits will be paid to the assignee instead of ABC
 Benefit Illustration of ICICI Pru GIFT Pro Date: 1/25/2024 5:20:15 PM
IP :

Name of the Policyholder : ABC Name of the Product : ICICI Pru GIFT Pro
Age of the Policyholder at policy : 36 years Tag Line : A Non-Linked Non-Participating
inception Individual Savings Life Insurance
Plan
Gender of the Policyholder : Male
Unique Identification No. : 105N201V02
Name of the Life Assured : ABC
GST Rate for Year 1 : 4.5%
Age of the Life Assured at policy : 36 years
inception GST Rate For Year 2 : 2.25%
Onwards
Gender of the Life Assured : Male
Sales Channel : Policy Bazaar
Policy Term : 12 Years
Premium Payment Term : 10 Year
Annualized Premium : Rs. 114800/-
Frequency of Premium Payment : Yearly

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

Policy Details

Option of Low Cover Income Booster chosen : No

Sum Assured on Death (at inception of the policy) : Rs. 1227212

Guaranteed Income option chosen by you (Level Guaranteed Income or

Increasing Guaranteed Income at simple interest of 5% p.a.
Increasing Guaranteed Income) :

Option of Save the Date selected (Yes/No) : No

MoneyBack Benefit percentage chosen by you : 100%

Year of MoneyBack Benefit chosen by you : At the end of 42 years

Summary of Benefits payable

During year 1: ₹ 7382

Guaranteed Income as per frequency chosen by you :
During last year: ₹ 18085

Frequency of Guaranteed Income : Monthly

During year 1: ₹ 88580

Guaranteed Income payable in a year :
During last year: ₹ 217021

Income Period : 30 years

MoneyBack Benefit : Rs. 1182440

Premium Summary

Base Plan Riders Total Instalment Premium

Instalment Premium without GST and Cesses, if any Rs. 114800/- - Rs. 114800/-

Instalment Premium with first year GST and Cesses, if any Rs. 119966/- - Rs. 119966/-

Instalment Premium with GST and Cesses, if any 2nd year onwards Rs. 117383/- - Rs. 117383/-
 Guaranteed Benefits Non-Guaranteed Benefits

Policy Annualized Min.

Special Surrender Surrender Value
Year premium Guaranteed MoneyBack Maturity Benefit Death Guaranteed
Value Payable
Income (A) Benefit (B) (A+B) Benefit Surrender
(D) (Higher of C and D)
Value (C)

1 114800 0 0 0 1227212 0 0 0

2 114800 0 0 0 1227212 68880 122504 122504

3 114800 0 0 0 1227212 120540 202629 202629

4 114800 0 0 0 1227212 229600 297807 297807

5 114800 0 0 0 1227212 287000 410459 410459

6 114800 0 0 0 1227212 344400 543074 543074

7 114800 0 0 0 1227212 401800 698561 698561

8 114800 0 0 0 1227212 551040 880285 880285

9 114800 0 0 0 1227212 723240 1091855 1091855

10 114800 0 0 0 1337366 918400 1337366 1337366

11 0 0 0 0 1474403 1033200 1474403 1474403

12 0 0 0 0 1625582 1033200 1625582 1625582

13 0 88580 0 88580 0 0 0 0

14 0 93009 0 93009 0 0 0 0

15 0 97438 0 97438 0 0 0 0

16 0 101867 0 101867 0 0 0 0

17 0 106296 0 106296 0 0 0 0

18 0 110725 0 110725 0 0 0 0

19 0 115154 0 115154 0 0 0 0

20 0 119583 0 119583 0 0 0 0

21 0 124012 0 124012 0 0 0 0

22 0 128441 0 128441 0 0 0 0

23 0 132870 0 132870 0 0 0 0

24 0 137299 0 137299 0 0 0 0

25 0 141728 0 141728 0 0 0 0

26 0 146157 0 146157 0 0 0 0

27 0 150586 0 150586 0 0 0 0

28 0 155015 0 155015 0 0 0 0

29 0 159444 0 159444 0 0 0 0

30 0 163873 0 163873 0 0 0 0

31 0 168302 0 168302 0 0 0 0

32 0 172731 0 172731 0 0 0 0

33 0 177160 0 177160 0 0 0 0

34 0 181589 0 181589 0 0 0 0

35 0 186018 0 186018 0 0 0 0

36 0 190447 0 190447 0 0 0 0

37 0 194876 0 194876 0 0 0 0

38 0 199305 0 199305 0 0 0 0

39 0 203734 0 203734 0 0 0 0
40 0 208163 0 208163 0 0 0 0

41 0 212592 0 212592 0 0 0 0

42 0 217021 1182440 1399461 0 0 0 0

Note: Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if
any and Goods and Service Tax and Cesses.
Note:
1. In case of death of the Life Assured during Income Period, the Claimant shall continue to receive the benefits as and when due

2. The Claimant shall also have an option to receive future benefits as a lump sum benefit which will be the present value of future payouts.
Please refer the policy document for more details.The Guaranteed Income, MoneyBack Benefit, surrender values and Death Benefit
mentioned above are illustrated assuming that the event occurs at the end of the year

3. Please refer to your sales brochure and policy document for more details
Important points to note:
Example To understand When Do benefits become payable (If Save the Date Is Not chosen) : If your last annual premium is paid
On Jan 15, 2031 Then Guaranteed Income will start from :
• For Annual mode Jan 15, 2033
• For Monthly mode: Feb 15, 2032
The surrender values and Death Benefit mentioned above are illustrated assuming that the event occurs at the end of the year.
Please refer to your sales brochure and policy document for more details.

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

premiums, and benefits under the policy fully to the prospect / information with respect to the above, have understood the above
policyholder. statement before entering into the contract.

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