^* Accelerated Critical Illness Benefit (ACI Benefit) is up to Rs.1 Crore (Subjected to underwriting guidelines). Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfillment of the definition of the diagnosed critical illness. The ACI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the ACI Benefit paid. The future premiums payable under the policy will reduce proportionately. If ACI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the ACI Benefit. To know more in detail about ACI Benefit, terms & conditions governing it, kindly refer to sales brochure. ACI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is loweraccc.

^** Accidental Death benefit (ADB) is up to Rs. 2 Crores(Subjected to Underwriting guidelines). ADB is available in Life Plus and All in One options. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit term will be equal to the policy term or (80-Age at entry), whichever is lower

^#A discount as mentioned below, will be offered on first year’s premium of Death Benefit, Terminal Illness and Waiver of Premium on permanent disability (excluding rider premiums, underwriting extra premiums and taxes) to salaried customers opting for sum assured greater than or equal to ₹ 10,000,000:

^{^} 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

Unlike traditional products, Unit Linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. The names of the Company, Product names or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns.

¹Bonus may be declared annually from the first year as ‘Regular Additions’ and will be a percentage of the sum total of the ‘Sum Assured on Maturity’ and the applicable ‘Guaranteed Value Benefits’. Cashback will be in the form of encashment of these Regular Additions.

²Guaranteed Value Benefits will be set at policy inception and will depend on age, policy term, premium, premium payment term and gender.

³Bonus may be declared annually from the first year as ‘Regular Additions’ and will be a percentage of the sum total of the ‘Sum Assured on Maturity and the applicable ‘Guaranteed Value Benefits.

⁴Tax benefits under the policy will be as per the prevailing Income Tax laws. Goods and Services tax will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time.

ICICI Pru iProtect Smart
^*Accelerated Critical Illness Benefit (ACI Benefit) is up to Rs.1 Crore (Subjected to underwriting guidelines). Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfillment of the definition of the diagnosed critical illness. The ACI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the ACI Benefit paid. The future premiums payable under the policy will reduce proportionately. If ACI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the ACI Benefit. To know more in detail about ACI Benefit, terms & conditions governing it, kindly refer to sales brochure. ACI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower.
^**Accidental Death benefit (ADB) is up to Rs. 2 Crores(Subjected to Underwriting guidelines). ADB is available in Life Plus and All in One options. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit term will be equal to the policy term or (80-Age at entry), whichever is lower.
^# A discount as mentioned below, will be offered on first year’s premium of Death Benefit, Terminal Illness and Waiver of Premium on permanent disability (excluding rider premiums, underwriting extra premiums and taxes) to salaried customers opting for sum assured greater than or equal to ₹ 10,000,000:

^{^} 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 . W/II/0884/2024-25

Guaranteed Income for Tomorrow:-
¹This benefit is available under the Early Income plan option.
²Life insurance cover is the benefit payable on death of the life assured.
³Tax benefits under the policy are subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services tax and cesses (if any) will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. Please consult your tax advisor for details, before acting on above.

ICICI Prudential GIFT Plus:-
¹A guaranteed lump sum or regular income will be payable based on the plan option selected.
²Life insurance cover is the benefit payable on death of the life assured.
³Tax benefits under the policy are subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services tax and cesses (if any) will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru Guaranteed Income For Tomorrow

ICICI Prudential iProtect Smart Return of Premium:-
¹Life insurance cover is the benefit payable on death of the life assured.
²A guaranteed lump sum or regular income will be payable based on the option selected.
³Tax benefits under the policy are subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services tax and cesses (if any) will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. Please consult your tax advisor for details, before acting on above.

ICICI Prudential GIFT Pro Plus:-
¹Life insurance cover is the benefit payable on death of the life assured.
²A guaranteed lump sum or regular income will be payable based on the option selected.
³Tax benefits under the policy are subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services tax and cesses (if any) will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. Please consult your tax advisor for details, before acting on above.

ICICI Saral Pension:-
¹Under Joint Life option the Secondary Annuitant shall be the Spouse of the Primary Annuitant.
²Tax benefits under the policy are subject to conditions under Section 80CCC, 115BAC and other provisions of the Income Tax Act,1961. Good and Service 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.

POS – ICICI Pru Saral Pension:-
¹Under Joint Life option the Secondary Annuitant shall be the Spouse of the Primary Annuitant.
²Tax benefits under the policy are subject to conditions under Section 80CCC, 115BAC and other provisions of the Income Tax Act,1961. Good and Service 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 Prudential POS GIFT Plus:-
¹A guaranteed lump sum or regular income will be payable based on the plan option selected.
²Life insurance cover is the benefit payable on death of the life assured.
³Tax benefits under the policy are subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services tax and cesses (if any) will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. Please consult your tax advisor for details, before acting on above.

ICICI Pru Guaranteed Income For Tomorrow (Long-term):-
¹Guaranteed benefits will be payable subject to all due premiums being paid.
²This benefit is available under Income with 110% ROP plan option.
³Life insurance cover is the benefit payable on death of the life assured during the policy term.
⁴Tax benefits under the policy are subject to prevailing conditions and 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 Guaranteed Income For Tomorrow (Long-term) POS:-
¹Guaranteed Income will be payable subject to all due premiums being paid.
²This benefit is available under Assured Income with 110% ROP plan option.
³Life insurance cover is the benefit payable on death of the life assured during the policy term.
⁴Tax benefits under the policy are subject to prevailing conditions and 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. ADVT: E/II/1447/2022-23

ICICI Pru Guaranteed Pension Plan Flexi:-
¹Please refer the product brochure for more details.
²Under Joint Life option the Secondary Annuitant can be either the spouse/child/parent/sibling of the Primary Annuitant.

ICICI Pru Gold:-

¹ In plan option ‘Immediate income’ and ‘Immediate income with Booster’, starting from the first policy year, you will receive a regular income at the end of every policy year/month, as chosen by you, provided the policy is in-force. In ‘deferred Income’ plan option, you will receive regular income at the end of every year/month, starting from end of deferment period as chosen by you, provided the policy is in-force. You can start this income as early as 2nd policy year or as late as Premium Payment Term plus 1 year. This regular income will comprise the following:

• Guaranteed Income (GI) and
• Income which will be linked to Bonus, if declared; referred to as Cash Bonus (CB)

You will receive this income till the date of maturity, death, surrender or lapse of the policy, whichever happens first

² For all plan options, Maturity Benefit will be sum of:

• Sum Assured on Maturity, plus
• Balance in the Savings Wallet (if any), plus
• Terminal Bonus (if declared)

The Sum Assured on Maturity shall be the sum of Annualised Premium payable under the policy.

³ ICICI Pru Gold offers three plan options namely ‘Immediate Income’ and ‘Immediate Income with booster’ and ‘Deferred Income’. The customer can choose any one of the three available options. Please refer to sales brochure for more details

⁴ Life cover is the benefit payable on death of the life assured during the policy term. For all plan options, Death Benefit is equal to:

• Sum Assured on Death, plus
• Balance in the Savings Wallet (if any), plus
• Interim Survival Benefit (if any), plus
• Terminal Bonus (if declared)

Where, the Sum Assured on Death is the highest of:

• 7 times the Annualised Premium
• 105% of the Total Premiums Paid as on the Date of Death
• Death Benefit multiple times Annualised Premium

⁵ Tax benefits under the policy are subject to prevailing conditions and 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 Protect N Gain:-

¹Life cover is the benefit payable on death of the life assured during the policy term. Death Benefit will be highest of:

²Starting from the 11th policy year, you will receive 2X/3X of return of mortality and 2X of policy administration charges (excluding taxes), at the beginning of each month, till the end of the policy term. These will be added in the form of units to the Fund Value.

³At policy maturity, an addition, known as Maturity Booster in the form of extra units (Units mean a specific portion or part of the Unit Linked Fund(s) in which you have saved your money) will be made to boost your Fund Value. This Maturity Booster will be equal to 20% percentage of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.

⁴Systematic Withdrawal Plan is allowed only after the first five policy years.

⁵Available through mandatory rider ‘ICICI Pru Accidental Death and Disability rider’. Please refer to the rider brochure for more details.

ICICI Pru GIFT Pro

¹ Life Insurance Cover is the benefit payable on death of the Life Assured during the policy term

² Guaranteed Benefits will be payable subject to all due premiums being paid

³ Level Income and Increasing Income are income options available under GIFT Pro. Guaranteed Benefits will be payable subject to all due premiums being paid. Under Level Income, the Guaranteed Income will remain constant throughout the income period. If Increasing Income is selected, the Guaranteed Income will increase at a simple interest rate of 5% p.a. You can either opt for Level Income or Increasing Income option. This option has to be selected at inception and cannot be changed later

⁴ You can choose to receive any percentage from 0% to 100% of the sum total of all annualized premiums payable by you as MoneyBack Benefit. This will be paid as a Lump sum amount. Additionally, you also have the flexibility to choose any year, on or after the maturity date of the policy up to the last income year, to receive this MoneyBack Benefit. Your Guaranteed Income amount will be adjusted based on the MoneyBack Benefit % and payout year selected by you

⁵ If you opt for “Low Cover Income Booster” the sum assured on death will be lower and your guaranteed income will be increased

⁶ You have an option to receive Guaranteed Income every year on a Special Date of your choice preceding the due date of first GI pay-out during the Income Period, if you have opted for annual mode of income. The Special date can be chosen to coincide with any date such as, Date of Maturity, birth date or anniversary date etc. Payment of Guaranteed Income will commence from this Special Date and all further GIs will be paid every year on this Special Date chosen. You can select the Special Date at policy inception or any time before two months of the completion of the policy term

⁷ Tax benefits may be applicable on premiums paid and benefits received as per the prevailing tax laws

ICICI Pru GIFT Pro POS

¹ Life Insurance Cover is the benefit payable on death of the Life Assured during the policy term

² Guaranteed Benefits will be payable subject to all due premiums being paid

³ Level Income and Increasing Income are income options available under GIFT Pro. Under Level Income, the Guaranteed Income will remain constant throughout the income period. If Increasing Income is selected, the Guaranteed Income will increase by 5% p.a of the base income

⁴ You can choose to receive any percentage from 0% to 100% of the sum total of all annualized premiums payable by you as MoneyBack Benefit. This will be paid as a one time Lump sum amount. Additionally you also have the flexibilty to choose any year, on or after the maturity date of the policy up to the last income year, to receive this MoneyBack Benefit. Your Guaranteed Income amount will be adjusted based on the MoneyBack Benefit % and payout year selected by you. You can opt for these flexibilities at the inception of the policy. MoneyBack Benefit % and payout year cannot be changed later

⁵ Low cover income booster at the inception of the policy, you can choose to opt for “Low Cover Income Booster” wherein you will be able to receive increased income for opting a lower life cover

⁶ You have an option to receive GI every year on a Special Date of your choice preceding the due date of first GI pay-out during the Income Period. The Special date can be chosen to coincide with any date such as, Date of Maturity, birth date or anniversary date etc. Payment of GI will commence from this Special Date and all further GIs will be paid every year on this Special Date chosen. In case You opt for a Special Date, the GI payable each year would be adjusted by multiplying the GI amount with a discount loading factor, varying by the policy month in which the Special Date falls

⁷ Tax benefits under the policy are subject to conditions under 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 more details

ICICI Pru Signature Selecte

^* The total of Premium Allocation Charges (excluding Top-up premium allocation charges) deducted in the policy net of taxes will be added back to the Fund Value at the end of 10th policy year. The same amount will be added again at the end of every 5th policy year thereafter

^~ Systematic Withdrawal Plan is allowed only after the first five policy years, provided the monies are not in the discontinued policy fund

⁺ Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to conditions under 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 more details

ICICI Pru Gold Pension Savings

¹ Guaranteed benefit is the Assured Benefit, i.e., 105% of the total premiums paid

² Bonuses are in the form of regular bonus, loyalty accumulation and terminal bonus

³ Minimum 40% of the vesting benefit must be mandatorily used to purchase an annuity plan

⁴ Special withdrawals are allowed on the occurrence of certain events and can be availed after the completion of 3 policy years. Please refer the product brochure for the terms and conditions

⁵ Complimentary health check-up can be availed after the completion of 3 policy years and on attaining at least 50 years of age

ICICI Pru Platinum

¹ Life cover is the benefit payable on death of the Life Assured during the policy term

² Systematic Withdrawal Plan is allowed only after completion of five policy years

³ Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961

⁴ Past performance of funds is not indicative of future performance

ICICI Pru Smart Kid Guarantee

¹ Life Insurance Cover is the benefit payable on death of the Life Assured during the policy term. Sum assured is dependent on the age of the policy holder. Please refer to sales brochure for more detail

² Guaranteed Benefits will be payable subject to all due premiums being paid

³ The Rider Benefit will be applicable if the Life Assured named under the WoP rider has become totally, continuously, and permanently disabled as a result of an Accident within the Rider Term i.e., Accidental Total Permanent Disability and should mandatorily satisfy at least one condition outlined within the following three conditions. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer to the sales brochure of ICICI Pru Non-Linked Waiver of Premium Rider

⁴ A Life Assured shall be regarded as terminally ill only if he/she is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners specializing in treatment of such illness, is highly likely to lead to death within 6 months. The Terminal Illness must be diagnosed and confirmed by medical practitioners registered with the Indian Medical Association and approved by the Company

⁵ The Rider Benefit will be applicable on the Life Assured named under the WoP rider being diagnosed with any of the 15 covered critical illnesses within the rider term by a Medical Practitioner. To know more about definitions, terms & conditions applicable for critical illness, kindly refer to the sales brochure of ICICI Pru Non-Linked Waiver of Premium Rider

⁶ Level Income and Increasing Income are income options available under ICICI Pru GIFT Pro. Guaranteed Benefits will be payable subject to all due premiums being paid. Under Level Income, the Guaranteed Income will remain constant throughout the income period. If Increasing Income is selected, the Guaranteed Income will increase at a simple interest rate of 5% p.a. You can either opt for Level Income or Increasing Income option. This option has to be selected at inception and cannot be changed later

⁷ You can choose to receive any percentage from 0% to 100% of the sum total of all annualized premiums payable by you as MoneyBack Benefit. This will be paid as a Lump sum amount. Additionally, you also have the flexibilty to choose any year, on or after the maturity date of the policy up to the last income year, to receive this MoneyBack Benefit. Your Guaranteed Income amount will be adjusted based on the MoneyBack Benefit % and payout year selected by you

^* Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to conditions under 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 more details

ICICI Pru Smart Kid Growth

¹ Amount equal to total of mortality charges and policy administration charges deducted in the policy will be added back to the fund value at maturity, provided all due premiums have been received. This amount 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. This shall exclude any extra mortality charges and taxes levied on the charges deducted as per prevailing tax laws. Return of Mortality Charges and Policy Administration Charges is not applicable for Whole Life option

² Systematic Withdrawal Plan is allowed only after the first five policy years

³ Past performance is not indicative of future performance

SmartKid Growth is the combination of an individual product and a rider, ICICI Pru Signature (Online) and ICICI Pru Linked Waiver of Premium. It is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale. ICICI Pru Signature (UIN: ) and ICICI Pru Waiver of Premium (UIN: 105A045V01)

ICICI Pru iProtect Supreme

¹ Life Cover is the benefit payable on death of the life assured during the policy term

² 100% return of premiums refers to the total of all premiums paid under the base product, excluding any extra premium, any rider premium i.e. ICICI Pru Non-linked Accidental Death and Disability Rider, and taxes, if any

³ You can choose to increase the level of life cover at the key milestones of marriage and child birth/ adoption of child without any medicals, provided no claim has been admitted for any benefits (including rider benefits) under the policy and the policy is in force
On exercising the option, You will have to pay an additional premium for the additional Sum Assured for the outstanding term of the policy based on the then age of the Life Assured. This feature is available only with Regular premium payment option. Such increase in sum assured is only applicable to base product life cover and not rider cover

⁴ Premiums for female lives are lower by 15% as compared to male lives

⁵ A discount as follows will be offered on first year’s premium of Death Benefit, Terminal Illness (excluding rider premiums, underwriting extra premiums and taxes) to salaried customers opting for sum assured greater than or equal to ₹10,000,000:

⁶ ICICI Pru Non-linked Accidental Death and Disability Rider:
For Accidental Death cover option: If the life assured covered by this benefit option passes away, due to an accident which happens within the coverage term, the Accidental Death Sum Assured will be paid out as a lump sum to the nominee. This amount will be payable if the accident occurs within the coverage term set under this benefit option, but death occurs beyond the Coverage term (however within 180 days from the date of the accident), provided the option is in-force or in grace period at the time of accident. On payment of the Accidental Death Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished
For Accidental Disability cover option: If the life assured covered by this benefit option become totally, continuously, and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider brochure and policy document

⁷ Tax benefits under the policy are subject to conditions under Sections 80C, 10(10D), 115BAC 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 more details

ICICI Pru Pru1 Wealth

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year

^{^} 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

i. Linked insurance products are different from the traditional insurance products and are subject to the risk factors

ii. The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions

iii. ICICI Prudential Life Insurance Company Limited is only the name of the Life Insurance Company and ICICI Pru1 Wealth is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns

iv. Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company

v. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns

^{^^} 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: 105L175V06

ICICI Pru LifeTime Classic

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year

^* 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:

^{^} 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

i. Linked insurance products are different from the traditional insurance products and are subject to the risk factors

ii. The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions

iii. ICICI Prudential Life Insurance Company Limited is only the name of the Life Insurance Company and ICICI Pru LifeTime Classic is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns

iv. Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company

v. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns

ICICI Pru Signature Online

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year

¹ Amount equal to total of mortality charges and policy administration charges deducted in the policy will be added back to the fund value at maturity, provided all due premiums have been received. This amount 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. This shall exclude any extra mortality charges and taxes levied on the charges deducted as per prevailing tax laws. Return of Mortality Charges and Policy Administration Charges is not applicable for Whole Life option

² Systematic Withdrawal Plan is allowed only after the first five policy years

⁴ 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 the above policy years

i. Linked insurance products are different from the traditional insurance products and are subject to the risk factors

ii. The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions

iii. ICICI Prudential Life Insurance Company Limited is only the name of the Life Insurance Company and ICICI Pru Signature online is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns

iv. Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company

v. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns

ICICI Pru Signature

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year

^* The total of Premium Allocation Charges (excluding Top-up premium allocation charges) deducted in the policy net of taxes will be added back to the Fund Value at the end of 10th policy year. The same amount will be added again at the end of every 5th policy year thereafter

^{^} Value Benefit is 5% of the annual premium and will be added to the fund value as extra units on receipt of 2nd year’s premium for Premier Plan and on receipt of 2nd year and 6th year’s premiums for Exclusive Plan. For non-annual modes of premium payment, value benefit will be added as and when modal premiums are received for Premier and Exclusive plan option

^~ Systematic Withdrawal Plan is allowed only after the first five policy years, provided the monies are not in the discontinued policy fund

i. Linked insurance products are different from the traditional insurance products and are subject to the risk factors

ii. The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions

iii. ICICI Prudential Life Insurance Company Limited is only the name of the Life Insurance Company and ICICI Pru Signature is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns

iv. Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company

v. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns

ICICI Pru iProtect Smart Return of Premium

¹ Life Cover is the benefit payable on death of the life assured during the policy term

² 100% return of premiums refers to the total of all premiums paid under the base product, excluding any extra premium, any rider premium and taxes, if any

³ Premiums for female lives for life cover (Death Benefit) are lower by 15% as compared to male lives

⁴ Accidental death benefit option available through the ICICI Pru Non-linked Accidental Death and Disability Rider : Under this option, if the person whose life is covered by this benefit option (known as the Life Assured) passes away, due to an accidental death which happens within the Coverage term such that death happens 180 days from the date of accident, the sum assured for ADB will be paid out as a lump sum to the person specified (known as the Claimant) in the policy, provided the benefit option is in-force at the time of the accident. Maximum Sum Assured available under Accidental Death Benefit option will be up to three times the Sum Assured on Death at inception for the base policy (capped at ₹ 3 Crore)

⁵ Accidental total and permanent disability benefit option available through the ICICI Pru Non-linked Accidental Death and Disability Rider : if the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident ie., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. Maximum Sum Assured available under Accidental Total and Permanent Disability Benefit option will be up to the Sum Assured on Death at inception for the base policy (capped at ₹ 3 Crore. For more details, kindly refer to the Rider policy document

ICICI PRU iProtect Super

¹ Life Cover is the benefit payable on death of the life assured during the policy term

² Under this feature, the policyholder can avail a Cover Continuance Benefit under the product for a period extending up to 12 months from the due date of first unpaid premium (“Cover Continuance Benefit Period”). The Cover Continuance Benefit Period shall commence only from the policy anniversary. During this Cover Continuance Benefit Period, the premium (including the rider(s) premium, additional premium (if any) for the other inbuilt benefits, any underwriting extra premium, loadings for modal premiums, applicable taxes, cesses and levies, etc. if any) due and payable for the said period will be deferred (“Deferred Amount”) but the risk cover under the policy and rider(s) will continue as per the terms and conditions of the policy and rider(s), respectively. In case of any claim under the Policy on the happening of any insured event during this period, the policyholder will receive the eligible claim amount under the policy after deducting all the deferred amount.

³ Premiums for female lives for life cover (Death Benefit) are lower by 15% as compared to male lives.

⁴ A discount of 5% on first year’s base premium (excluding underwriting extra premium and taxes) will be offered to customers in cases where customer initiates purchase of policies on his own through any ISNP (Insurance Self Network Platform) either owned by the company or intermediary.

⁵ A discount of 7% on first year’s base premium (excluding underwriting extra premium and taxes) will be offered to any existing policyholder who is purchasing this product or to any such policyholder purchasing this product with any of our other products at the same time. This can be availed with appropriate documentary proof provided by the policyholder or through internal validation process.

⁶ Accidental death benefit option available through the rider: Under this option, if the person whose life is covered by this benefit option (known as the Life Assured) passes away, due to an accidental death which happens within the Coverage term such that death happens 180 days from the date of accident, the sum assured for ADB will be paid out as a lump sum to the person specified (known as the Claimant) in the policy, provided the benefit option is in-force at the time of the accident. Maximum Sum Assured available under Accidental Death Benefit option will be up to three times the Sum Assured on Death at inception for the base policy (capped at ₹ 3 Crore).

⁷ Accidental total and permanent disability benefit option available through the rider: If the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. Maximum Sum Assured available under Accidental Total and Permanent Disability Benefit option will be up to the Sum Assured on Death at inception for the base policy (capped at ₹ 3 Crore). For more details, kindly refer to the Rider policy document.

ICICI Pru Saral Jeevan Bima

¹ Life Cover is the benefit payable on death of the life assured during the policy term.

² If the person whose life is covered by this policy (known as the Life Assured) passes away during the term of the policy, the Death benefit will be paid out as a lump sum to the nominee. This Policy will cover death due to accident during the waiting period of 45 days from the date of commencement of risk.

In case of death of the Life Assured other than due to accident during the waiting period, an amount equal to 100% of all premiums received excluding taxes, if any, shall be paid and the sum assured shall not be paid.

³ Tax benefits/Tax free proceeds under the policy are subject to conditions under Section 80C, 10(10D), 115BAC 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 more details.

ICICI Pru Saral Jeevan Bima UIN:

ICICI PRU WISH

¹Critical Illness shall mean any illness, medical event or surgical procedure as specifically defined under Vital Care benefit, Surgical Care benefit and Maternity and Child Care benefit option and whose signs or symptoms first commenced post the specified waiting period after the inception of policy period

²The Basic Sum Assured(lump sum payout) for the contingencies covered under the benefit options is defined as below:

1. 1. Vital Care Sum Assured: Policyholder has option to choose Vital Care Sum Assured at the time of policy inception. For minor critical illness, a fixed % of vital care cover will be payable and for major critical illness, 100% of the available vital care cover will be payable. Policy will terminate after vital care cover exhausts.
2. 2. Surgical Care Sum Assured: This will be fixed at 50% of the Vital Care Sum Assured chosen at inception. On the need of a major surgery, 100% of the surgery cover is payable and surgery care cover terminates. On the need of a minor surgery, 40% of the surgery is payable and surgery care cover terminates. Policy will continue with rest of the applicable benefits with premiums reduced to the extent of surgical care premiums.
3. 3. Maternity Care Sum Assured: This will be fixed at 25% of the Vital Care Sum Assured chosen at inception. On diagnosis of a pregnancy complication or newborn illness, 100% of the maternity cover is payable and maternity care cover terminates. Policy will continue with rest of the applicable benefits with premiums reduced to the extent of maternity care premiums.

³The premium for the product will remain the same throughout the entire premium payment term. In case of any claims under surgical or maternity care cover, the premiums will reduce to the extent to premiums for corresponding surgical or maternity cover.

⁴Tax benefits may be applicable as per prevailing tax laws

ICICI Pru Smart Goal Assure

¹ Past performance of funds is not indicative of future performance

² Following the death of the Life Assured (provided all due premiums have been paid) the company shall waive all future premiums as and when payable under the policy (after the date of death) and the policy shall continue till the end of policy term. Further Units equivalent to the instalment premium will be allocated on each of the subsequent premium due dates by the Company. The prevailing mandate on fund choices shall be used for investing the benefit amounts into the policy.

³ Return of charges is applicable only where Life Assured survives till the end of the policy term

⁴ This benefit is applicable only where the Life Assured survives till the end of the policy term provided all due premiums have been paid and no partial withdrawals have been made during the policy term

⁵ An amount equal to a 10% of the Sum Assured will be paid out to the nominee as regular income on each subsequent policy anniversaries following the date of death till the end of the policy term

⁶ Life cover is the benefit payable on death of the Life Assured during the policy term

⁷ Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961

ICICI PRU GIFT Select

¹ Life Insurance Cover is the benefit payable on death of the Life Assured during the policy term

² Instant CashBack Benefit amount is paid within one working day of realisation of the first year's premium by the company post issuance of the policy

³ Policyholder can select yearly, half-yearly or monthly premium payment frequency under this policy. The Instant CashBack Benefit is available only to policies where the policyholder chooses to pay premiums with yearly premium payment frequency

⁴ Guaranteed Benefits will be payable subject to all due premiums being paid. Guaranteed income will start based on the income start year chosen by you. In case policyholder has not opted for Instant CashBack Feature, income can start from first year

⁵ Guaranteed Maturity Benefit shall be payable at the completion of the policy term. The Guaranteed Maturity Benefit shall be expressed as a percentage of the sum of Annualized Premium payable under the policy, where the percentage shall be as chosen by the policyholder at inception of the policy

⁶ Level Guaranteed Income and Increasing Guaranteed Income are income options available under ICICI Pru GIFT Select. Under Level Guaranteed Income option, the Guaranteed Income will remain constant throughout the income period. If Increasing Guaranteed Income option is selected, the Guaranteed Income shall increase by 5% every policy year on compounding basis

⁷ Tax benefits under the policy are subject to conditions under 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 more details

ICICI Pru SmartKid Assure

¹ Past performance of funds is not indicative of future performance

² Following the death of the Life Assured (provided all due premiums have been paid) the company shall waive all future premiums as and when payable under the policy (after the date of death) and the policy shall continue till the end of policy term. Further Units equivalent to the instalment premium will be allocated on each of the subsequent premium due dates by the Company. The prevailing mandate on fund choices shall be used for investing the benefit amounts into the policy

³ Loyalty Additions will be allocated as extra units at the end of every fifth policy year starting from the end of the tenth policy year. Each Loyalty Addition will be 2.50% of the average of Fund Values on the last business day of the last eight policy quarters

⁴ This benefit is applicable only where the Life Assured survives till the end of the policy term provided all due premiums have been paid and no partial withdrawals have been made during the policy term

⁵ An amount equal to a percentage of the Sum Assured will be paid out to the nominee as regular income on each subsequent policy anniversaries following the date of death till the end of the policy term. This percentage can vary between 0% and 10% (both inclusive) and once chosen at the time of purchase of the policy, shall remain fixed through the policy term

⁶ Life cover is the benefit payable on death of the Life Assured during the policy term

⁷ Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961

ICICI Pru Linked Accidental Death and Disability Rider

¹ Accidental death benefit option: Under this option, if the person whose life is covered by this benefit option (known as the Life Assured) passes away, due to an accidental death which happens within the Coverage term such that death happens 180 days from the date of accident, the sum assured for ADB will be paid out as a lump sum to the person specified (known as the Claimant) in the policy, provided the benefit option is in-force at the time of the accident. Sum Assured available under Accidental Death Benefit option will be up to three times the Sum Assured on Death at inception for the base policy

² Accidental total and permanent disability benefit option: If the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider policy document

³ Sum assured here refers to life cover available under the base policy at inception. Life cover is the benefit payable on death of the Life Assured during the policy term

⁴ Tax benefits may be available as per prevailing tax laws. Tax laws are subject to amendments made there to from time to time. Please consult your tax advisor for more details

^* Term Benefit Booster Option : Sum Assured under this benefit will be payable in lumpsum to the Claimant in the event of earlier of death or terminal illness of the Life Assured

A Life Assured shall be regarded as Terminally Ill only if that Life Assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners specializing in treatment of such illness, is highly likely to lead to death within 6 months. The Terminal Illness must be diagnosed and confirmed by medical practitioners registered with the Indian Medical Association and approved by the Company. The Company reserves the right to independent assessment