As the head of your family, you have always fulfilled your responsibilities and given your family the

comforts they wanted. You have always been there for them. However, life is full of uncertainties. So, it is important to ensure that your family is protected, should something unfortunate happen to you. Keeping this in mind, we bring to you, ICICI Pru Pure Protect Classic, with which you can insure your life and provide security to your family, at a very affordable cost.

Key Features
Get insurance protection at extremely affordable rates Avail of discounts on premium for high sum assured Enhance your policy with the optional Waiver of Premium Rider and Accidental Death and Disability Benefit Rider Avail of tax benefits as applicable1

Policy at a Glance
Min/Max Entry Age

18-65 years 10-30 years 75 years Rs. 2,400 p.a. Subject to minimum premium as applicable Rs. 24,99,999 Premium paid towards the policy will be eligible for tax benefit under Sec 80C.

Min/Max Term Max. Coverage Age Min, Premium* Min. sum assured Max. sum assured Tax Benefit
*Inclusive of service tax and education cess as applicable.

Illustration:
The table below provides indicative premiums for various age-term combinations for sum assured of Rs. 15,00,000

Age
10 years 30 years 35 years 40 years Rs. 2,920 p.a. Rs. 3,771 p.a. Rs. 5,373 p.a.

Term of the policy

15 years Rs. 3,220 p.a. Rs. 4,255 p.a. Rs. 6,207 p.a. 20 years Rs. 3,587 p.a. Rs. 4,872 p.a. Rs. 7,158 p.a. 30 years Rs. 4,605 p.a. Rs. 6,357 p.a Rs. 9,344 p.a

Premium amounts shown above are inclusive of service tax and education cess as applicable.

Additional features
For added protection of your family against any unfortunate eventualities, we offer you the following benefits at a nominal extra cost.

Accidental Death and Disability Benefit Rider#:

On death of the life assured due to an accident, the beneficiary gets the additional Sum Assured under the Rider. In case of death due to accident while the life assured is using, as a fare paying passenger, authorised public mass surface transport, namely bus or train, operating under terms of such authorisation the benefeciary gets twice the Sum Assured under the rider. In the event of total and permanent disability, 10% of the Rider Sum Assured is paid out every year, for 10 years. Waiver of Premium Rider#: In case of total and permanent disability due to an accident, under this rider the company will pay the remaining premiums till maturity
#

For rider exclusions, please refer to the detailed rider brochure.

How much life insurance do you need?

Beyond all doubt, your life is invaluable. Yet, there is a certain worth that can be attributed to the financial support you offer your parents, spouse or children. This worth is referred to as Human Life Value (HLV). Put simply; it is the present value of your future earnings. In the future, if your family does not have the protective blanket of your presence, they will no longer be able to enjoy the benefits of the income you earned or maintain the current standard of living. Not only that, the payment of loans and other debts in your absence will also pose a huge problem. You should calculate your Human Life Value so you can be adequately insured; so as to provide your family with adequate finances and security even in your absence.

How do you determine your Human Life Value (HLV)?

Your Human Life Value is determined mainly by 3 factors: 1. Your age 2. Current and future expenses 3. Current and future income

As a thumb rule, if you are 30 years of age, you should insure yourself for an amount approximately 10 times your annual income. At 35, your investment should be close to 12 times your income. Of course, the exact amount of insurance will also be determined by the number of people who depend on you, your existing insurance and your life stage. The following table suggests the HLV factor for different age groups. Multiplying the HLV factor corresponding to your age with your current annual income will give the indicative insurance cover that you need.

Age HLV Factor

18-24 6

25-29 8

30-34 10

35-44 12

45-49 10

50-54 8

55-64 6

65-75 4

The Human LIfe Value (HLV) multiple suggested is a simplistic indicator. You can visit us at www.iciciprulife.com and use the Insurance / Human Life Value Calculator to obtain a more accurate value for your reference.

Story of Mr. Shekhar Sharma

Lets look at the story of Mr. Shekhar Sharma. At the age of 35, he is doing well; with an annual income of around Rs. 5 lacs. His family consists of a spouse and two children who depend upon him. When he thinks about his life so far, he feels the satisfaction of having provided good education to his children and the joy of having a loving and supportive family. He has recently purchased his dream house But he knows that his children and spouse completely depend upon him, and if anything were to happen to him, they would lose all they had. He had earlier bought an insurance cover; but that was when he just got married. His liabilities and dependants have increased since then. The amount of life cover that Mr. Sharma should have at this point of time can be calculated as follows: Amount of Insurance (HLV) = HLV factor based on age X current annual income HLV = 12 X 5,00,000 HLV = Rs. 6,000,000. Since Mr. Sharma is already covered to an extent of Rs. 40 lacs, he needs an additional Rs. 20 lacs of cover.

The table below provides indicative annual premiums for ICICI Pru Pure Protect Classic for various terms for Mr. Sharma:

Term of the policy

Sum Assured Rs. 20,000,000 10 years Rs. 4,578 p.a.
15 years Rs. 5,223 p.a. 20 years Rs. 6,047 p.a. 30 years Rs. 8,027 p.a.

*Inclusive of service tax and education cess as applicable.

Terms & Conditions 1. Tax benefits under the policy are subject to conditions under section 80C of the Income Tax Act, 1961. Death Benefit is tax free under Section 10 (10D) of the Income Tax Act, 1961.Service tax and education cess will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. 2. Sum Assured cannot be changed, once chosen at the time of inception of the policy. 3. For further details, on risk factors and terms and conditions please read the policy document and detailed benefit illustration before concluding the sale.

Registered Office: ICICI Prudential Life Insurance Company Limited. ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025 Registration No. 105. This product leaflet is indicative of the terms, conditions, warranties and exceptions contained in the insurance policy. In the event of conflict, if any, between the terms and conditions contained in the brochure and those contained in the policy document, the terms and conditions contained in the policy document shall prevail. For more details on risk factors, terms and conditions please read the policy document before concluding the sale. Insurance is the subject matter of the solicitation. 2008. ICICI Pru Pure Protect Elite: Form No - T20 UIN No.105NO84V01 ADBR. No. 105A018V01. WOPR. No. 105A019V01. Advt no. L/II/330/2008-09.