IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

Features of ICICI Pru Smart Life plan

ICICI Pru Smart Life is a plan which is designed to grow your savings with market linked
returns and to fulfill your financial goals even in your absence with Smart Benefit and Life
Insurance Benefit.

This policy is unit linked which means that the benefits you receive will depend on the
performance of the fund(s) you have selected. This document has been designed to help
you understand your policy better by explaining some of its key features. Do go through
your Policy Document for complete details of your policy.

1 How does this policy work?

At the time of entering this policy, you would have made three important choices:
The premium that you will pay
The number of years after which your policy matures i.e. Policy term.
Premium payment term i.e. whether you will pay premium only once or for each year of the
Policy term
Since your policy benefits primarily depend on these three factors, please make sure that these details
are mentioned correctly in your Policy certificate.
Your premium will get invested in a fund of your choice. Your investment will grow as per the returns earned by the
fund(s) chosen by you. On completion of the Policy Term, the fund value at that point in time will be paid to you.

2 What fund options do I have?

This policy comes with a suite of multiple funds. Depending on your investment preference you can
choose one or more funds. You can also switch from one fund to another. You can make 4 switches
in a year, free of cost.
If you don t want to choose a specific fund, you can opt for:
Lifecycle based portfolio strategy 2 (refer Section 2.2 under Investment and Fund details of your
policy document)
Over time, the fund value reflects the returns earned by the fund(s) selected by you.

3 What are the benefits that I get from this policy?

Maturity Benefit: At the end of your policy term, you will get your Fund Value as the Maturity
Benefit. Your Fund Value will be determined by the returns earned by the fund(s) you have
selected.
There are 2 aspects that can help increase your Fund Value:
`
 Loyalty Additions: Starting from the end of 6th year, we will add 0.25% to your fund value if you stay
invested for that year. Apart from staying invested, if you also pay your premium for that year, you will get
an additional 0.25%.

 Wealth Boosters: Starting from the end of 10th year, we will add 3.25% to your fund value once every 5
years for Regular Pay policies and 1.5% for One Pay policies. For example, if your policy term is 20 years,
you will get this in the 10th, 15th and 20th year.

Loyalty additions and Wealth Boosters enhance your Maturity Benefit. So stay invested and pay all your
premiums to get these benefits. You can choose to get your Maturity Benefit as a lump-sum or spread over a
period of time through settlement option. As per the features of this policy, the Maturity Benefit you receive will
be tax-free subject to conditions under Section 10(10D) and prevailing tax laws.
 Life Insurance Benefit: This comprises of a Lump-sum Benefit and a Smart Benefit.
a. Lump-sum Benefit
In this policy, if the person whose life is covered dies during the policy term, we will pay
the person specified in your policy (the nominee) a lump-sum.
This amount would be the maximum of the following 2 sums and will be paid out as a
lump-sum:
1. Sum Assured This amount would be specified in your Policy Certificate
2. 105% of total premiums paid till the time of death
The Nominee or any other family member can initiate the process of receiving this amount by visiting
http://www.iciciprulife.com/insurance-claim.html
b. Smart Benefit:
If it is a Regular Pay or Limited Pay policy, the policy will continue and the future premiums will be paid by the
Company. The nominee will receive the fund value at the end of the policy term. (refer Part C, section 1.2 of your
policy document) For a One Pay policy, the nominee will get the Fund Value at the end of the policy term.

Partial Withdrawal Benefit: In case of any sudden requirement of money, you can withdraw money from your fund
value. This feature is called Partial Withdrawal. You can make a partial withdrawal after 5 years. In any year, you can
withdraw up to 20% of your Fund Value. Do note that making a Partial Withdrawal will not have an impact on the Sum
Assured or the Minimum Death Benefit. Partial Withdrawals are free of cost.

4 What are the charges I pay?

Premium Allocation Charge: is deducted from the premium you pay. This charge is calculated as a
percentage of the premium and will vary as per your premium payment mode.
Premium Payment mode Year 1 Year 2 Year 3 Year 4 to 5 Year 6 onwards
ES
CHARG Annual 6% 5% 4% 4% 2%
Half-yearly / Monthly 4% 4% 3.5% 3% 2%

` For One pay policies, the premium allocation charge is 3%. For more details, refer section 1.1 under
Charges of your policy document.
Policy Administration Charge: is levied every month as a percentage of premium. The charge will be:
Premium payment term Period Charges
Regular Pay/ Limited Pay Entire Policy Term 0.21% of annual premium per month
One Pay 1 to 5 years ` 60 per month for the 1st 5 policy years.

Fund Management Charge (FMC): is a percentage of your Fund Value. FMC for Money Market Fund is
0.75% p.a. For the remaining funds that you can choose from in this policy, the FMC is 1.35% p.a.
Mortality Charge: This is the cost of your life insurance cover. This will vary depending on the
remaining premium payment term and the life insurance cover that the policy offers.

What happens if I pay premiums for lesser number of years than

5 what I had chosen or decide to close the policy prematurely?
`
` It is in your best interest that you pay premiums and stay invested for the number of years as selected by
you. If you stop paying premiums or close your policy, you will lose benefits such as Smart Benefit and
Loyalty Additions, amongst others.
If you close your policy after completion of 5 years, your fund value will be paid out to you and your policy
will be closed.
If you close your policy before completion of 5 years, then there can be a lot of scenarios depending on
how many years you have paid premiums, whether you intend to resume paying premiums later etc.
For complete details on the various scenarios, refer section 2.2 under Non forfeiture benefits section of
your Policy document.

6 What benefit will I get with an Accidental Death Rider on my policy?

The rider on your policy, if chosen, provides an additional Life Insurance cover in case of an `
accidental death of the life assured in the policy. The details of the exact cover amount is
mentioned in your Policy certificate.
` +
ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN: L66010MH2000PLC127837.
Registered Address: 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Reg No: 105. Tax laws are subject to amendments from time to time. Please refer your policy
document for more details of this policy. UIN: 105L145V08. Comp/doc/Dec/2014/1301.
 Benefit Illustration for ICICI Pru Smart Life Date: 18-Mar-2024 23:45:41
This shall form a part of the policy document

Proposal No :
Name of the Policyholder : Mr. Name of the Product : ICICI Pru Smart Life
Tag Line : A Linked Non Participating
Individual Savings Life
Insurance Plan
Age of the Policyholder : 10-Aug-1990 (33 Years) Gender of the Policyholder : MALE
Name of the Life Assured : Mr. Unique Identification No. : 105L145V08
Age of the Life Assured : 10-Aug-1990 (33 Years) Applicable tax Rate : 18%
Gender of the Life Assured : MALE
Sum Assured1 : Rs 1,200,000/- Portfolio Strategy : Fixed
Policy Term : 25 Years Funds opted for : Value Enhancer Fund: 100%
Premium Payment Term : 10 Years Risk Level : High
Premium Payment Option : Limited Pay
Amount of Base Installment Premium : Rs 10,000/- Sales Channel : BOL
Mode of payment of premium : Monthly Annualised Base Premium : Rs 120,000

How to read and understand this benefit illustration?

This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges and taxes, may
grow over the years of the policy term if the fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% p.a. and 4% p.a. are assumed
only for the purpose of illustrating the flow of benefits if the returns are at this level. It should not be interpreted that the returns under the plan are
going to be either 8% p.a. or 4% p.a.
Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges,
underwriting extra, if any, guarantee charges and cost of rider, if deducted by cancellation of units. It demonstrates the impact of charges exclusive
of taxes on the net yield. Please note that the mortality charges per thousand sum assured in general, increases with age.

The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of
riders etc. The investment risk in this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales
literature carefully.
Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death
benefit, at two assumed rates of return. Part B of this statement presents a detailed break-up of the charges, and other values.

Part A (Amount in Rupees.)

At 4% p.a. Gross Investment Return At 8% p.a. Gross Investment Return
Poli Annualized Mortality Other Applicab Fund at Surrender Death Mortality Other Applicable Fund at Surrender Death Commis
cy Premium Charge Charges* le Taxes End of Year Value Benefit Charge Charges* Taxes End of Year Value Benefit sion
Yea payable
r to
intermed
iary10
1 120,000 3,669 7,420 1,996 109,226 0 1,200,000 3,669 7,432 1,998 111,497 0 1,200,000 0
2 120,000 3,731 10,104 2,490 219,518 0 1,200,000 3,731 10,178 2,504 228,470 0 1,200,000 0
3 120,000 3,792 11,018 2,666 333,052 0 1,200,000 3,792 11,217 2,702 353,463 0 1,200,000 0
4 120,000 3,861 11,976 2,851 449,896 0 1,200,000 3,861 12,367 2,921 486,968 0 1,200,000 0
5 120,000 3,934 13,574 3,151 569,405 569,405 1,200,000 3,934 14,231 3,270 628,786 628,786 1,200,000 0
6 120,000 4,007 14,019 3,245 696,004 696,004 1,200,000 4,007 15,022 3,425 784,148 784,148 1,200,000 0
7 120,000 4,066 15,751 3,567 826,144 826,144 1,200,000 4,066 17,192 3,826 949,991 949,991 1,200,000 0
8 120,000 3,938 17,532 3,865 960,156 960,156 1,200,000 3,938 19,509 4,220 1,127,262 1,127,262 1,200,000 0
9 120,000 3,792 19,367 4,169 1,098,170 1,098,170 1,200,000 3,792 21,986 4,640 1,316,760 1,316,760 1,200,000 0
10 120,000 3,639 21,257 4,481 1,276,510 1,276,510 1,260,000 3,639 24,634 5,089 1,562,889 1,562,889 1,260,000 0
11 0 3,969 20,429 4,392 1,301,335 1,301,335 1,260,000 3,969 24,791 5,177 1,656,548 1,656,548 1,260,000 0
12 0 4,410 20,765 4,531 1,326,371 1,326,371 1,260,000 4,410 26,095 5,491 1,755,894 1,755,894 1,260,000 0
13 0 4,687 21,105 4,643 1,351,728 1,351,728 1,260,000 4,687 27,480 5,790 1,861,405 1,861,405 1,260,000 0
14 0 5,242 21,447 4,804 1,377,083 1,377,083 1,260,000 5,242 28,949 6,154 1,973,145 1,973,145 1,260,000 0
15 0 5,846 21,789 4,974 1,447,177 1,447,177 1,260,000 5,846 30,504 6,543 2,156,011 2,156,011 1,260,000 0
16 0 6,514 22,742 5,266 1,473,457 1,473,457 1,260,000 6,514 33,052 7,122 2,285,421 2,285,421 1,260,000 0
17 0 7,232 23,095 5,459 1,499,605 1,499,605 1,260,000 7,232 34,853 7,575 2,422,482 2,422,482 1,260,000 0
18 0 7,636 23,449 5,595 1,525,953 1,525,953 1,260,000 7,636 36,764 7,992 2,568,023 2,568,023 1,260,000 0
19 0 8,404 23,803 5,797 1,552,069 1,552,069 1,260,000 8,404 38,790 8,495 2,722,150 2,722,150 1,260,000 0
20 0 9,198 24,154 6,003 1,628,399 1,628,399 1,260,000 9,198 40,936 9,024 2,974,452 2,974,452 1,260,000 0
21 0 10,030 25,191 6,340 1,655,196 1,655,196 1,260,000 10,030 44,452 9,807 3,153,115 3,153,115 1,260,000 0
22 0 10,874 25,550 6,556 1,681,729 1,681,729 1,260,000 10,874 46,940 10,407 3,342,522 3,342,522 1,260,000 0
23 0 11,756 25,905 6,779 1,707,899 1,707,899 1,260,000 11,756 49,578 11,040 3,543,250 3,543,250 1,260,000 0
24 0 12,688 26,255 7,010 1,733,636 1,733,636 1,260,000 12,688 52,373 11,711 3,755,976 3,755,976 1,260,000 0
25 0 13,671 26,599 7,249 1,815,241 1,815,241 1,260,000 13,671 55,335 12,421 4,104,306 4,104,306 1,260,000 0

*Includes Premium Allocation Charge, Policy Admin Charge, Fund Management Charge and Rider Charges, if any. See Part B for details.
IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR
ILLUSTRATIVE PURPOSE

I,__________________________________ , have explained the I,______________________________(name), having received the

premiums,charges 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.
Place: Place:
Date: Signature of Agent / Intermediary / Official Date: Signature of Prospect / Policyholder

Part B Gross 8% p.a. Net Yield 7.08% (Amount in Rupees.)

Yield
Policy Annualised Premium Annualized Mortality Applic Policy Rider Fund FMC Loyalty Wealth Fund at end of Surrender Lump Sum
Year Premium(A Allocation premium - Charge able Admin Charges4 before FMC Additions5 Boosters6 year7 Value8and9 Benefit8
P)2 Charge(P Premium Taxes Charge
AC)3 Allocation
charge
1 120,000 3,600 116,400 3,669 1,998 3,024 0 112,451 808 0 0 111,497 0 1,200,000
2 120,000 4,800 115,200 3,731 2,504 3,024 0 231,248 2,354 0 0 228,470 0 1,200,000
3 120,000 4,200 115,800 3,792 2,702 3,024 0 358,174 3,993 0 0 353,463 0 1,200,000
4 120,000 3,600 116,400 3,861 2,921 3,024 0 493,745 5,743 0 0 486,968 0 1,200,000
5 120,000 3,600 116,400 3,934 3,270 3,024 0 637,762 7,607 0 0 628,786 628,786 1,200,000
6 120,000 2,400 117,600 4,007 3,425 3,024 0 792,228 9,598 3,245 0 784,148 784,148 1,200,000
7 120,000 2,400 117,600 4,066 3,826 3,024 0 959,856 11,768 4,021 0 949,991 949,991 1,200,000
8 120,000 2,400 117,600 3,938 4,220 3,024 0 1,139,027 14,085 4,856 0 1,127,262 1,127,262 1,200,000
9 120,000 2,400 117,600 3,792 4,640 3,024 0 1,330,555 16,562 5,748 0 1,316,760 1,316,760 1,200,000
10 120,000 2,400 117,600 3,639 5,089 3,024 0 1,578,855 19,210 6,702 43,565 1,562,889 1,562,889 1,260,000
11 0 0 0 3,969 5,177 3,024 0 1,678,395 21,767 3,837 0 1,656,548 1,656,548 1,260,000
12 0 0 0 4,410 5,491 3,024 0 1,778,949 23,071 4,169 0 1,755,894 1,755,894 1,260,000
13 0 0 0 4,687 5,790 3,024 0 1,885,844 24,456 4,419 0 1,861,405 1,861,405 1,260,000
14 0 0 0 5,242 6,154 3,024 0 1,999,052 25,925 4,684 0 1,973,145 1,973,145 1,260,000
15 0 0 0 5,846 6,543 3,024 0 2,183,472 27,480 4,966 64,552 2,156,011 2,156,011 1,260,000
16 0 0 0 6,514 7,122 3,024 0 2,315,487 30,028 5,367 0 2,285,421 2,285,421 1,260,000
17 0 0 0 7,232 7,575 3,024 0 2,454,290 31,829 5,751 0 2,422,482 2,422,482 1,260,000
18 0 0 0 7,636 7,992 3,024 0 2,601,739 33,740 6,097 0 2,568,023 2,568,023 1,260,000
19 0 0 0 8,404 8,495 3,024 0 2,757,891 35,766 6,463 0 2,722,150 2,722,150 1,260,000
20 0 0 0 9,198 9,024 3,024 0 3,012,337 37,912 6,850 89,056 2,974,452 2,974,452 1,260,000
21 0 0 0 10,030 9,807 3,024 0 3,194,596 41,428 7,405 0 3,153,115 3,153,115 1,260,000
22 0 0 0 10,874 10,407 3,024 0 3,386,408 43,916 7,935 0 3,342,522 3,342,522 1,260,000
23 0 0 0 11,756 11,040 3,024 0 3,589,771 46,554 8,412 0 3,543,250 3,543,250 1,260,000
24 0 0 0 12,688 11,711 3,024 0 3,805,291 49,349 8,917 0 3,755,976 3,755,976 1,260,000
25 0 0 0 13,671 12,421 3,024 0 4,156,582 52,311 9,452 122,880 4,104,306 4,104,306 1,260,000

Gross 4% p.a. (Amount in Rupees.)

Yield
Annualised Premium Annualized Mortality Applic Policy Rider Fund FMC Loyalty Wealth Fund at End of Surrender Lump Sum
Premium(A Allocation premium - Charge able Admin Charges4 before FMC Additions5 Boosters6 Year7 Value8and9 Benefit8
Policy P)2 Charge(P Premium Taxes Charge
Year AC)3 Allocation
charge
1 120,000 3,600 116,400 3,669 1,996 3,024 0 110,166 796 0 0 109,226 0 1,200,000
2 120,000 4,800 115,200 3,731 2,490 3,024 0 222,208 2,280 0 0 219,518 0 1,200,000
3 120,000 4,200 115,800 3,792 2,666 3,024 0 337,529 3,794 0 0 333,052 0 1,200,000
4 120,000 3,600 116,400 3,861 2,851 3,024 0 456,211 5,352 0 0 449,896 0 1,200,000
5 120,000 3,600 116,400 3,934 3,151 3,024 0 577,606 6,950 0 0 569,405 569,405 1,200,000
6 120,000 2,400 117,600 4,007 3,245 3,024 0 703,219 8,595 2,927 0 696,004 696,004 1,200,000
7 120,000 2,400 117,600 4,066 3,567 3,024 0 834,774 10,327 3,555 0 826,144 826,144 1,200,000
8 120,000 2,400 117,600 3,938 3,865 3,024 0 970,236 12,108 4,207 0 960,156 960,156 1,200,000
9 120,000 2,400 117,600 3,792 4,169 3,024 0 1,109,745 13,943 4,878 0 1,098,170 1,098,170 1,200,000
10 120,000 2,400 117,600 3,639 4,481 3,024 0 1,289,624 15,833 5,569 36,199 1,276,510 1,276,510 1,260,000
11 0 0 0 3,969 4,392 3,024 0 1,318,768 17,405 3,105 0 1,301,335 1,301,335 1,260,000
12 0 0 0 4,410 4,531 3,024 0 1,344,048 17,741 3,257 0 1,326,371 1,326,371 1,260,000
13 0 0 0 4,687 4,643 3,024 0 1,369,743 18,081 3,320 0 1,351,728 1,351,728 1,260,000
14 0 0 0 5,242 4,804 3,024 0 1,395,439 18,423 3,383 0 1,377,083 1,377,083 1,260,000
15 0 0 0 5,846 4,974 3,024 0 1,465,872 18,765 3,446 44,801 1,447,177 1,447,177 1,260,000
16 0 0 0 6,514 5,266 3,024 0 1,493,144 19,718 3,580 0 1,473,457 1,473,457 1,260,000
17 0 0 0 7,232 5,459 3,024 0 1,519,602 20,071 3,687 0 1,499,605 1,499,605 1,260,000
18 0 0 0 7,636 5,595 3,024 0 1,546,303 20,425 3,753 0 1,525,953 1,525,953 1,260,000
19 0 0 0 8,404 5,797 3,024 0 1,572,771 20,779 3,818 0 1,552,069 1,552,069 1,260,000
20 0 0 0 9,198 6,003 3,024 0 1,649,449 21,130 3,883 50,482 1,628,399 1,628,399 1,260,000
21 0 0 0 10,030 6,340 3,024 0 1,677,325 22,167 4,027 0 1,655,196 1,655,196 1,260,000
22 0 0 0 10,874 6,556 3,024 0 1,704,168 22,526 4,141 0 1,681,729 1,681,729 1,260,000
23 0 0 0 11,756 6,779 3,024 0 1,730,692 22,881 4,207 0 1,707,899 1,707,899 1,260,000
24 0 0 0 12,688 7,010 3,024 0 1,756,777 23,231 4,272 0 1,733,636 1,733,636 1,260,000
25 0 0 0 13,671 7,249 3,024 0 1,838,723 23,575 4,336 56,371 1,815,241 1,815,241 1,260,000
IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR
ILLUSTRATION PURPOSE.
ICICI Pru Smart Life is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or
returns.
Multi Cap Growth Fund(ULIF 085 24/11/09 LMCapGro 105), Bluechip Fund (ULIF 087 24/11/09 LBluChip 105), Opportunities Fund(ULIF 086
24/11/09 LOpport 105), Multi Cap Balanced Fund(ULIF 088 24/11/09 LMCapBal 105), Income Fund(ULIF 089 24/11/09 LIncome 105), Money
Market Fund(ULIF 090 24/11/09 LMoneyMkt 105), Maximiser V(ULIF 114 15/03/11 LMaximis5 105, Maximise India Fund (ULIF 136 11/20/14
MIF 105),Active Asset Allocation Balanced Fund (ULIF 138 15/02/17 AAABF 105), Value Enhancer Fund (ULIF 139 24/11/17 VEF 105),
Secure Opportunities Fund ( ULIF 140 24/11/17 SOF 105),India Growth Fund (ULIF 141 04/02/19 IndiaGrwth 105), Mid Cap Fund (ULIF 146
28/06/22 MidCapFund 105), Focus 50 fund (ULIF 142 04/02/19 FocusFifty 105), Balanced Advantage Fund (ULIF 144 03/06/21 BalanceAdv
105), Sustainable Equity Fund (ULIF 145 03/06/21 SustainEqu 105), Mid Cap Hybrid Growth Fund (ULIF 147 050123 MCHybrdGrt 105),
Constant Maturity Fund (ULIF 148 050123 ConstntMat 105), Mid Cap Index Fund (ULIF 149 050723 McIndxFund 105), Mid Cap 150
Momentum 50 Index Fund (ULIF 151 180124 McMomentum 105) and Multicap 50 25 25 Index Fund (ULIF 152 220224 MultiCapIF 105) are
the names of the different fund options and do not in any manner indicate the quality of the fund, its future prospects or returns.

1. Includes Top up Sum Assured (if any).

2. Includes Top up premium (if any).
3. Includes allocation charge on Top-up premium (if any)
4. Includes rider charges (if any)
5. Allocated at the end of every policy year starting from the end of the sixth policy year. Each Loyalty Addition will
be a percentage of the average of the Fund Values including Top-up Fund Value, if any, on the last day of the last
eight policy quarters. Loyalty Addition will be made by allocation of units.
6. Allocated at the end of every fifth policy year starting from the end of the tenth policy year. Each Wealth Booster
will be a percentage of the average of the Fund Values including Top-up Fund Value, if any, on the last day of the last
eight policy quarters. Wealth Boosters will be made by allocation of units.
7. Includes Top-up Fund Value (if any)
8. The Lump Sum Benefit and Surrender Values illustrated assume that the event occurs at the end of the policy
year.
9. i. If the policy is surrendered during the first five policy years, the Fund Value including Top-up Fund Value, if any,
after deduction of Discontinuance Charge, shall be transferred to Discontinued Policy Fund (DP Fund) and the risk
cover shall cease. The Policyholder may revive the policy by paying overdue premiums within a two year revival
period from the Date of Discontinuance. If the policy is not revived, the nominee or the Policyholder, as the case may
be, will be entitled to the DP Fund Value on the earlier of death and expiry of the lock-in period. The Policyholder may
choose to stay invested in the DP Fund till the end of the revival period or the expiry of the lock-in period, whichever
is later.
ii. On surrender of the policy after the completion of five policy years, the Policyholder is entitled to the Fund Value
including Top-up Fund Value, if any.
10. Includes commissions for Top-ups (if any)

Disclaimers

1. For the purpose of illustrations, we have used 4% and 8% as the lower and the higher rates of investment returns
respectively, in the calculations. These are in accordance with the guidelines issued by IRDA of India and in no way
signify our expectations of investment return on the funds. For each of the funds, the actual investment return may be
higher or lower than the above rates based on the asset classes and the risk taken.
2. The net yield has been calculated after applying all the charges (except service tax, education cess and mortality
charges).
3. This document is for illustration purposes only.
4. The investments in the units are subject to market and other risks and there can be no assurance that the objectives of
any of the funds will be achieved.
5. The unit value of the units of each of the funds can go up or down depending on the factors and forces affecting the
financial markets from time to time and may also be affected by changes in the general level of interest rates.
6. Fund Value at start shall be: For 1st year, it is the amount available for investment; thereafter, it is previous year's end
Fund Value plus the amount available for investment in the current year.
7. The funds do not offer a guaranteed or assured return.
8. Past performance of any plan/ fund of the Company is not necessarily indicative of the future performance of any of the
plans.
9. The above information must be read in conjunction with the sales brochure and policy document.
10. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.
11. This illustration is based on the terms and conditions of the life insurance policy as on date of the illustration.
12. This benefit illustration is merely an example and is based on the data provided by you in the application form. The
illustration is based on the basic mortality charge. However the illustration could change in case we charge extra premium
based on underwriting guidelines.
 13. Applicable taxes includes tax on all applicable charges.
14. The Policyholder shall be required to pay Goods & Services Tax and cesses, if any as per prevailing tax laws and
regulations, whichever applicable. Tax laws are subject to amendment from time to time.
15. For the product, an additional charge of Rs.2.50 per Rs.1,000 sum at risk will be levied on an annual basis in case of a
non-standard age proof. This will be charged via cancellation of units.
16. Commission/ Brokerage, as mentioned in the table above, only indicates the amount payble, if any, to the agent / broker,
and is not a separate charge in the policy.
17. Tax benefits under the policy are subject to conditions under Section 80C and 10(10D) of the Income Tax Act, 1961. Tax
will be deducted at source on payouts made under all taxable policies subject to conditions as per Section 194DA
(applicable on polices issued to resident Indian) or 195 (applicable for policies issued to Non-resident) of Income Tax Act,
1961. Goods & Services Tax and applicable cesses will be charged extra as per prevailing rates. Tax laws are subject to
amendments from time to time.
18. For any further clarifications, please feel free to contact your advisor or FSC or e-mail us on lifeline@iciciprulife.com.
19. Insurance is the subject matter of this solicitation.

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

premiums,charges 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.
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