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Benefit Illustration of ICICI Pru LifeStage Wealth II

This shall form a part of the policy document

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Prepared For : Product Features


Name of the Product : ICICI Pru LifeStage Wealth II Age : 33 Years Sum Assured 1 : Rs.1,000,000/ Premium Payment Option : Regular Pay (20 Years) Amount of Base Installment premium : Rs.100,000/ Annualised Base Premium : Rs.100,000/ Annualised Rider Premium : Rs.0/ Total Annualised Premium (Base+Rider) : Rs.100,000/

Mr. Kumar

Unique Identification No. : 105L118V01 Service Tax Rate : 10.30% Policy Term : 20 Years Mode Of Premium Payment : Yearly Choice of portfolio strategy : Fixed Portfolio Strategy SalesChannel : Proprietary Funds Opted for * : Bluechip Fund:100%

Proposal No. : _________ Policy No. : _________ Proposer from J&K : No

Statement of various charges alongwith growth of the fund expected over the duration of the policy with assumed rate of interest as mentioned Gross Yield Net Yield 10% 8.65%

Amount (All charges are in rupees) Premium available Policy Fund Fund Guarantee Loyalty Policy Annualised Allocation for Mortality Service Other Fund at Surrender Death Commission/ Admin before Managment Year Premium 2 Tax Charges End Charge 4 Additions 5 Value 6 Benefit 6 Brokerage 3 investment Charge Charge FMC Charge Charge (out of Premium) 1 100000 2000 98000 1590 1087 5640 0 98971 1320 0 0 97651 0 1097651 0 2 100000 0 100000 1660 1033 5640 0 208519 2729 0 0 205790 0 1205790 0 3 100000 0 100000 1750 1199 5640 0 327135 4255 0 0 322881 0 1322881 0 4 100000 0 100000 1860 1381 5640 0 455556 5906 0 0 449650 0 1449650 0 5 100000 0 100000 1980 1577 5640 0 594591 7695 0 0 586897 586897 1586897 0 6 100000 0 100000 2120 1791 5640 0 745106 9631 0 0 735475 735475 1735475 0 7 100000 0 100000 2300 2026 5640 0 908014 11726 0 0 896288 896288 1896288 0 8 100000 0 100000 2480 2278 5640 0 1084355 13995 0 0 1070360 1070360 2070360 0 9 100000 0 100000 2650 2548 5640 0 1275263 16450 0 0 1258813 1258813 2258813 0 10 100000 0 100000 2820 2840 5640 0 1481960 19109 0 26483 1489334 1489334 2489334 0 11 100000 0 100000 3040 3197 5640 0 1734783 22361 0 11583 1724005 1724005 2724005 0 12 100000 0 100000 3310 3566 5640 0 1992105 25671 0 13416 1979850 1979850 2979850 0 13 100000 0 100000 3620 3970 5640 0 2272626 29279 0 15349 2258696 2258696 3258696 0 14 100000 0 100000 3980 4412 5640 0 2578341 33212 0 17456 2562585 2562585 3562585 0 15 100000 0 100000 4390 4895 5640 0 2911491 37498 0 19753 2893745 2893745 3893745 0 16 100000 0 100000 4850 5424 5640 0 3274523 42168 0 22255 3254610 3254610 4254610 0 17 100000 0 100000 5350 6000 5640 0 3670119 47258 0 24982 3647844 3647844 4647844 0 18 100000 0 100000 5910 6628 5640 0 4101184 52803 0 27954 4076334 4076334 5076334 0 19 100000 0 100000 6510 7313 5640 0 4570907 58846 0 31192 4543253 4543253 5543253 0 20 100000 0 100000 7150 8057 5640 0 5082773 65431 0 34720 5052062 5052062 6052062 0

Gross Yield Premium Policy Annualised Allocation 2 Year Premium Charge 3 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 2000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

6%

Amount available Policy Fund Fund Guarantee Loyalty for Mortality Service Other Fund at Surrender Death Commission/ Admin before Managment investment Charge Tax Charges End Charge 4 Additions 5 Value 6 Benefit 6 Brokerage Charge FMC Charge (out of Premium) 98000 1590 1084 5640 0 95258 1293 0 0 93964 0 1093964 0 100000 1660 1022 5640 0 196942 2623 0 0 194319 0 1194319 0 100000 1750 1174 5640 0 303032 4010 0 0 299021 0 1299021 0 100000 1860 1335 5640 0 413698 5458 0 0 408241 0 1408241 0 100000 1980 1502 5640 0 529134 6967 0 0 522167 522167 1522167 0 100000 2120 1679 5640 0 649527 8542 0 0 640985 640985 1640985 0 100000 2300 1867 5640 0 775051 10184 0 0 764868 764868 1764868 0 100000 2480 2062 5640 0 905935 11896 0 0 894039 894039 1894039 0 100000 2650 2263 5640 0 1042425 13681 0 0 1028744 1028744 2028744 0 100000 2820 2472 5640 0 1184773 15543 0 21695 1190925 1190925 2190925 0 100000 3040 2726 5640 0 1356136 17784 0 9279 1347630 1347630 2347630 0 100000 3310 2977 5640 0 1521649 19950 0 10506 1512205 1512205 2512205 0 100000 3620 3243 5640 0 1695443 22223 0 11743 1684962 1684962 2684962 0 100000 3980 3526 5640 0 1877839 24610 0 13041 1866270 1866270 2866270 0 100000 4390 3826 5640 0 2069225 27114 0 14403 2056514 2056514 3056514 0 100000 4850 4144 5640 0 2270012 29742 0 15832 2256102 2256102 3256102 0 100000 5350 4479 5640 0 2480640 32499 0 17332 2465473 2465473 3465473 0 100000 5910 4835 5640 0 2701552 35390 0 18905 2685067 2685067 3685067 0 100000 6510 5209 5640 0 2933236 38422 0 20555 2915368 2915368 3915368 0 100000 7150 5602 5640 0 3176204 41603 0 22285 3156886 3156886 4156886 0

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATION PURPOSE. ICICI Pru LifeStage Wealth II is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or returns. * Please note below the SFIN of the funds. 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), Dynamic P/E Fund(ULIF 097 11/01/10 LDynmicPE 105), Multi Cap Balanced Fund(ULIF 088 24/11/09 LMCapBal 105), Income Fund(ULIF 089 24/11/09 LIncome 105)and Money Market Fund(ULIF 090 24/11/09 LMoneyMkt 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.
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Includes Top Up Sum Assured (if any) Includes Top Up premium (if any) Includes Top Up charge (if any) Charge for investment guarantee of 0.25% p.a. is applicable only for the Return Guarantee Fund. At the end of every policy year, starting from the end of the 10th policy year, there will be Loyalty Additions to the policy, provided all due premiums have been paid. The Loyalty Additions will be calculated as a percentage of the average of the Fund Value on the last day of eight policy quarters preceding the said allocation, depending upon the premium payment option chosen. The Death Benefit and Surrender Values illustrated assume that the event occurs at the end of the policy year.

Disclaimers dkzpz / Page 2 of 3 Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy offers guaranteed returns then these will be clearly marked ''guaranteed'' in the illustration table on this page. If your policy offers variable returns then the illustration on this page will show two different rates of assumed future investment returns. These assumed rates of returns are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy as it is dependant on a number of factors including future investment performance. For the purpose of illustrations, we have used 6% and 10% as the lower and the higher rates of investment returns respectively, in the calculations. These are in accordance with the guidelines issued by the Life Insurance Council 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. The projected yields have been calculated after applying all the charges (except service tax, education cess, charge for investment guarantee and mortality charges) This document is for illustration purposes only. The investments in the units are subject to market and other risks and there can be no assurance that the objectives of the fund will be achieved. The unit value of the units of the fund 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. In case premium payment is discontinued before the completion of five policy years, the Fund Value, including Top up Fund Value, if any, shall be transferred to the discontinued policy fund after deduction of applicable discontinuance charge. At the end of the fifth policy year, the discontinued policy fund value shall be paid to the Policyholder. If premium payment is discontinued after the completion of five policy years, the Fund Value, including Top up Fund Value, if any, will be paid to the Policyholder. 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. The fund options do not offer a guaranteed or assured return except for the Return Guarantee Fund which gives a minimum guaranteed return by the way of a guaranteed NAV at the time of termination of the tranche. Past Performance of any plan/ fund of the company is not necessarily indicative of the future performance of any of the plans. The above information must be read in conjunction with the sales brochure & policy document. This illustration is based on the terms and conditions of the life insurance policy as on date of the illustration. 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. Tax Benefits would be available as per the prevailing Income Tax laws. Service tax rate and amounts shown are inclusive of the applicable education cess. The policyholder shall be required to pay Service Tax, Education Cess or any other form of taxes or charges or levies as per prevailing laws and regulations, whichever applicable as per Company's policy. Tax laws are subject to amendment from time to time. For the Product, an additional charge of Rs.2.50 per Rs.1,000 Sum Assured will be levied on an annual basis in case of a non -standard age proof. This will be charged via cancellation of units. 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. For ICICI Pru Waiver of Premium on Critical Illness Rider, an additional rider premium loading of, 15% for ages less than or equal to 40 years, 25% for ages greater than 40 years and less than or equal to 55 years and 35% for ages greater than 55 years would be levied in case of a non -standard age proof. The premium rates for this rider are reviewable from time to time subject to prior approval from IRDA. Any change in the above premiums will take place subject to IRDA approval and after giving notice to the policyholder. This rider does not acquire any surrender value. For any further clarifications, please feel free to contact your advisor/FSC or e -mail us on lifeline@iciciprulife.com Insuranceisthesubjectmatterofthissolicitation.

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I ________________________________________, having received the information with respect to the above,have understood the above illustration before entering into the contract.

Marketingofficial'sSignature:Policyholder'sSignature:______________________________ Company Seal:

Marketingofficial'sSignature:Policyholder'sSignature:______________________________ Company Seal: Place Date:


ICICI Prudential Life Insurance Company Limited. 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025 Email: lifeline@iciciprulife.com www.iciciprulife.com