Mega life insurance. Life Insurance Plans - Best Life Insurance Policies in 2018 - ICICI Prudential

ICICI Pru iProtect Smart Life insurance products.

*The critical illness benefit is an accelerated benefit & the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses covered, please refer to the sales brochure.

**Available only under Life Plus and All in One option. Maximum amount that can be availed is Rs. 2 Crore and will be paid as a lump sum.

^Tax benefit of ` 54,600 ( ` 46,800 u/s 80C & ` 7,800 u/s 80D) is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of ` 1,50,000 and health premium u/s 80D of ` 25,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru iProtect Smart UIN 105N151V03.

^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru iCare II UIN 105N140V02

^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru Life Raksha UIN 105N149V01

ICICI Pru POS iProtect Smart

^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru POS iProtect Smart UIN 105N173V01

ICICI Pru POS Life Raksha

^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru POS Life Raksha UIN 105N174V01

ICICI Pru Heart Cancer Protect

*Lump sum is paid out on diagnosis of any of the listed conditions. Payout is based on level of condition. Total payout in the policy cannot exceed 100% of Sum Assured of cover selected. Refer to the sales brochure to know about payouts at different level of condition.

**Company shall waive all future premiums on a claim of Minor condition under the chosen cover or on diagnosis of Permanent Disability (PD) of the Life Assured due to Accident. If both Cancer cover and Heart cover are chosen such waiver is allowed on a minor/major condition claim under either Cancer cover or Heart cover; or on the diagnosis of PD. This benefit is available only if Policy is in force as on the date of diagnosis of the condition/at the time of accident.

^Tax benefit of ` 7,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on health premium u/s 80D of ` 25,000. Tax benefits under the policy are subject to conditions under Section 80D, 10(10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru Heart Cancer Protect UIN 105N154V01

Sum Assured multiples in between the minimum and maximum limits are not available

Tax benefit of ` 46,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of ` 1,50,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

Nothing herein contained shall operate to destroy or impede the right of any creditor to be paid out of the proceeds of any policy of assurance, which may have been effected with intent to defraud creditors. In case of any third party claim in the Courts of India with regards to the insurance proceeds, the amount shall be subject to the judiciary directions. Please seek professional legal advice for the applicability of this provision. ICICI Pru1 Wealth UIN:105L175V01

ICICI Pru LifeTime Classic

* The Policyholder can have funds in only one of the Portfolio Strategies. ** The Company will allocate extra units as below provided all due premiums have been paid:

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For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year

Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above.

Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.

Loyalty Additions and Wealth Boosters will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.

The allocation of Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.

If the premium payment is discontinued any time after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above.

^Tax benefit of ` 46,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of ` 1,50,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru LifeTime Classic UIN 105L155V02 ICICI Pru Unit Linked accidental Death Rider UIN 105A025V01

ICICI Pru Elite Life Super

*There is no upper cap on number of switches during the policy term.

**The Policyholder can have funds in only one of the Portfolio Strategies.

The Company will allocate extra units as below provided all due premiums have been paid:

For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year.

Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above.

Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.

Loyalty Additions and Wealth Boosters will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.

The allocation of Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.

If the premium payment is discontinued any time after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above. ICICI Pru Elite Life Super UIN 105L156V01 ICICI Pru Unit Linked accidental Death Rider UIN 105A025V02

ICICI Pru Elite Wealth Super

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*The Policyholder can have funds in only one of the Portfolio Strategies.

The Company will allocate extra units as below provided all due premiums have been paid:

For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year.

Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above.

Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.

Loyalty Additions and Wealth Boosters will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.

The allocation of Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.

If the premium payment is discontinued any time after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above. ICICI Pru Elite Wealth Super UIN 105L157V01 ICICI Pru Unit Linked accidental Death Rider UIN 105A025V02

ICICI Pru Guaranteed Wealth Protector

*On Maturity, you will receive higher of Fund Value or Assured Benefit. Assured Benefit which will be 101% of total premium paid which is applicable only on maturity of the policy & does not apply on death or surrender.

**Loyalty Additions will be allocated as extra units at the end of every policy year, starting from the end of the sixth policy year, provided monies are not in Discontinued Policy (DP) Fund. Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values on the last business day of the last eight policy quarters. Loyalty Additions will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation. The allocation of Loyalty Addition units is guaranteed and shall not be revoked by the Company under any circumstances. Wealth Booster will be allocated as extra units at the end of the tenth policy year. Wealth Booster will be a percentage of the average of Fund on the last business day of the last eight policy quarters (1.50% for One pay and 3.25% for Five pay). Wealth Booster will be allocated between the funds in the same proportion as the value of total units held in each fund at the time of allocation. The allocation of Wealth Booster units is guaranteed and shall not be revoked by the Company under any circumstances. ICICI Pru Guaranteed Wealth Protector UIN 105L143V01

*Under this benefit, following the date of death of the life assured, provided all due premiums have been paid, units equivalent to the installment premium will be allocated by the Company on the subsequent premium due dates. This benefit is not applicable for the One Pay option. On death of the Life Assured, the following conditions apply:

The Fund Value including Top up Fund Value, if any, will remain invested in the respective funds and portfolio strategies as on date of death of the Life Assured.

Only the Fund Management Charge and Policy Administration Charge will be levied. Units will be allocated as if Premium Allocation Charges are being deducted. Life Insurance Cover will not apply and mortality charges will not be deducted.

The policy cannot be surrendered. No policy alterations will be allowed. The Nominee will not be eligible for making partial withdrawals, paying top up premiums, performing switches, renewing Automatic Transfer Strategy (ATS), redirecting premium, effecting a change in portfolio strategy, opting for settlement option, increasing or decreasing premium payment term, increasing or decreasing Sum Assured, increasing or decreasing policy term.

**Loyalty Additions are applicable from the 6th policy year onwards in the form of extra units at the end of every policy year. Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values. You get an additional Loyalty Addition of 0.25% every year from the end of year 6 if all premiums for that year have been paid. Wealth Boosters will be allocated as extra units at the end of every 5th policy year starting from the end of the 10th policy year. Each Wealth Booster will be 3.25% for Regular Pay policies and 1.5% for Single Pay policies of the average of the Fund Values. ICICI Pru SmartLife UIN 105L145V02

ICICI Pru SmartKid Solution with ICICI Pru SmartLife

*Under this benefit, following the date of death of the life asured, provided all due premiums have been paid, units equivalent to the installment premium will be allocated by the Company on the subsequent premium due dates. This benefit is not applicable for the One Pay option. On death of the Life Assured, the following conditions apply:

Holiday insurance

The Fund Value including Top up Fund Value, if any, will remain invested in the respective funds and portfolio strategies as on date of death of the Life Assured.

Only the Fund Management Charge and Policy Administration Charge will be levied. Units will be allocated as if Premium Allocation Charges are being deducted. Life Insurance Cover will not apply and mortality charges will not be deducted.

The policy cannot be surrendered. No policy alterations will be allowed. The Nominee will not be eligible for making partial withdrawals, paying top up premiums, performing switches, renewing Automatic Transfer Strategy (ATS), redirecting premium, effecting a change in portfolio strategy, opting for settlement option, increasing or decreasing premium payment term, increasing or decreasing Sum Assured, increasing or decreasing policy term.

**Loyalty Additions are applicable from the 6th policy year onwards in the form of extra units at the end of every policy year. Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values. You get an additional Loyalty Addition of 0.25% every year from the end of year 6 if all premiums for that year have been paid. Wealth Boosters will be allocated as extra units at the end of every 5th policy year starting from the end of the 10th policy year. Each Wealth Booster will be 3.25% for Regular Pay policies and 1.5% for Single Pay policies of the average of the Fund Values.

^Tax benefit of ` 46,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of ` 1,50,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru SmartLife UIN 105L145V02

ICICI Pru Easy Retirement

*On vesting, i.e. maturity, you will be entitled to the Assured Benefit or Fund Value whichever is higher and is payable provided all due premiums as per the premium payment term shown above are paid. Assured Benefit will be 101% of total premium paid which is applicable only on maturity of the policy and does not apply on death or surrender. Fund Value is the total value of the money that is invested in a fund of your choice.

**You can invest any available money in the form of Top ups in this policy provided all due premiums have been paid. The provision to pay Top ups will be available up to five years prior to your original or postponed vesting date. The minimum amount of Top up is Rs. 2000.

^On completion of the 10th policy year and on completion of every 5th policy year thereafter, there will be a guaranteed Pension Booster, provided at least five years’ premiums have been paid. This will be equal to 5% of the average daily total Fund Value over the preceding 12 months. The guaranteed Pension Boosters will be allocated between Easy Retirement Balanced Fund and Easy Retirement Secure Fund in the proportion of the values of total units held in each fund at the time of allocation. Pension Boosters will be made by allocation of extra units. Pension boosters shall not be taken back under any circumstances. ICICI Pru Easy Retirement UIN 105L133V02

ICICI Pru Immediate Annuity

^Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru Immediate Annuity UIN 105N009V11

^Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

ICICI Pru Loan Protect 105N142V01, ICICI Pru Loan Protect Plus 105N150V01, ICICI Pru Group Term Plus 105N119V04, ICICI Pru Group Gratuity 105L023V03, ICICI Pru Group Superannuation 105L024V02, ICICI Pru Group Leave Encashment Plan 105L039V01, ICICI Pru Group Superannuation 105L024V02, ICICI Pru Group Loan Secure 105N152V02, ICICI Pru Group Insurance Scheme for Pradhan Mantri Jeevan Jyoti Bima Yojana 105G146V01. ICICI Pru Shubh Raksha Credit 105N159V01. ICICI Pru Shubh Raksha Credit 105N159V01. ICICI Pru Shubh Raksha One 105N158V01. ICICI Pru Shubh Raksha Life 105N160V01.

^Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

ICICI Pru Sarv Jan Suraksha 105N081V03, ICICI Pru Anmol Bachat 105N139V02

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