Unofficial: ICICI Prudential Life Insurance

15/08/2017

05/05/2014

Key Benefits of Car Insurance

Coverage against loss or damage to the insured vehicleCoverage against loss or damage to your vehicle caused by accident, theft, fire, explosion, self ignition, lightning, riots, strikes or act of terrorism, natural calamitiesCoverage against financial liability caused by injury/death of a third party or damage to the property Personal accident cover
What is not covered in Car Insurance?

05/05/2014

ICICI Prudential Life Insurance

13/04/2014

Understanding your needs
All of us need a sound financial plan to achieve our goals in life: buying a house, securing our children’s education,
going on a dream vacation and living comfortably after retirement. If you are looking for such a solution,
ICICI Pru Savings Suraksha is an ideal savings and protection oriented plan for you.
ICICI Pru Savings Suraksha gives you the flexibility to choose a premium payment option based on your needs. You can
pay premiums for a limited period or for the entire policy term.
ICICI Pru Savings Suraksha – Limited Pay
Key Benefits
ICICI Pru Savings Suraksha – Regular Pay
Key Benefits
ICICI Pru Savings Suraksha – Regular Pay provides you:
• Protection - Get life cover for the entire policy term
• Savings with the comfort of guarantees - At maturity of the
policy, you receive:
• Guaranteed Maturity Benefit (GMB)
• Accrued Guaranteed Additions (GAs) - During each of the first
five policy years, GA equal to 5% of GMB will accrue to the policy
• Vested reversionary bonuses, if any
• Terminal bonus, if any
• Flexibility - Choose premium payment mode, Sum Assured and policy
term as per your need
• Tax benefits – Tax benefits apply to premiums paid and benefits
T&C3 received as per the prevailing tax laws
ICICI Pru Savings Suraksha – Limited Pay provides you:
• Protection - Get life cover for the entire policy term
• Savings with the comfort of guarantees - At maturity of the
policy, you receive:
• Guaranteed Maturity Benefit (GMB)
• Accrued Guaranteed Additions (GAs) - During each of the first
five policy years, GA equal to 5% of GMB will accrue to the policy
• Vested reversionary bonuses, if any
• Terminal bonus, if any
• Flexibility - Choose premium payment term, premium payment mode,
Sum Assured and policy term as per your need
• Tax benefits – Tax benefits apply to premiums paid and benefits
T&C3 received as per the prevailing tax laws
2

08/04/2014

ICICI PRU IN THE NEWS RELEASES
ICICI Prudential Life launches ICICI Pru Guaranteed Wealth Protector
Mumbai; March 3, 2014
ICICI Prudential Life launches ICICI Pru Easy Retirement
Mumbai; September 18, 2013
ICICI Prudential Life launches ICICI Pru Cash Advantage
Mumbai; August 01, 2013
ICICI Prudential Life waives the requirement for a Death Certificate from municipal authorities for Uttarakhand victims
Mumbai; July 12, 2013
ICICI Prudential Life launches ICICI Pru Shubh Retirement
Mumbai; January 07, 2013
ICICI Pru iCare Awarded Product of the Year 2012
Mumbai; April 19, 2012
ICICI Prudential Life launches - ICICI Pru Mobile Website
Mumbai; February 28, 2012
ICICI Prudential Life Insurance recognized as the Best Leading Private Player - Life Insurance

08/04/2014

• Top ups
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
T&C5 date . The minimum amount of Top up is ` 2000. This value is
subject to change from time to time as per rules of the Company, subject
to prior approval from the Insurance Regulatory and Development
Authority (IRDA).
You will have the flexibility to invest Top ups in Easy Retirement Balanced
Fund and Easy Retirement Secure Fund in any proportion of your choice.
Treatment of Top ups will be in accordance with applicable regulations,
guidelines and circulars.
• Premium Redirection
At the inception of the policy you will specify the proportions in which
premiums are to be invested in Easy Retirement Balanced Fund and Easy
Retirement Secure Fund. At the time of payment of subsequent premiums,
the proportions may be changed without any charge. This will not count as
a switch.
• Switch
You have the option to switch units between Easy Retirement Balanced
Fund and Easy Retirement Secure Fund as and when you choose,
depending on your financial priorities and investment outlook. The
minimum switch amount is ` 2000.
• Increase/Decrease of premium payment term
Provided all due premiums have been paid, you will have the option to
increase the premium payment term by notifying the Company.
Provided at least five years’ premiums have been paid, you will have the
option to decrease the premium payment term by notifying the Company.
Increase or decrease in premium payment term must always be in
multiples of one year.
• Assured Benefit:
On vesting, i.e. maturity, you will be entitled to the Assured Benefit or
T&C10 Fund Value whichever is higher. This benefit amount can be
T&C 5 utilised only as per T&C 3. Alternatively, you can choose to postpone
your vesting date.
Assured Benefit = 101% of the (sum of all premiums
paid and Top ups, if any)
Benefits during the Accumulation Phase
• How will your funds be invested:
ICICI Pru Easy Retirement allows you the choice of two fund options. You
can switch between these funds using our switch option. The details of the
funds are given in the table below:
Fund Names &
Objectives
Risk
Reward
Profile
Moderate
Equity &
Equity
Related
Securities
Debt
Money
Market &
Cash
Asset
Allocation
Debt
Money
Market &
Cash
%
(Min)
0 %
20 %
0 %
40 %
0 %
%
(Max)
50 %
70 %
50 %
100 %
60 %
Low
Easy Retirement Balanced
Fund: To provide long term capital
appreciation through investment in
equity while providing capital
protection. Investment will be in a
mix of equity and equity related
instruments of large, mid and small
cap companies and debt, money
market and cash.
SFIN: ULIF 132 02/11/12
ERBF 105
Easy Retirement Secure
Fund: To achieve a balance
between capital protection and
returns by investing in a mix of debt,
money market and cash.
SFIN: ULIF 133 02/11/12
ERSF 105

08/04/2014

Male Female Male Female
(Charge/ 1000 SA) (Charge/ 1000 SA) (Charge/ 1000 SA) (Charge/ 1000 SA)
0 0 0 51 6.51 5.35
1 0 0 52 7.15 5.91
2 0 0 53 7.85 6.51
3 0 0 54 8.60 7.15
4 0 0 55 9.39 7.85
5 0 0 56 10.23 8.60
6 0 0 57 10.93 9.39
7 0.72 0.72 58 11.83 10.23
8 0.72 0.72 59 12.93 10.93
9 0.75 0.72 60 14.21 11.83
10 0.77 0.72 61 15.69 12.93
11 0.85 0.75 62 17.37 14.21
12 0.96 0.77 63 19.25 15.69
13 1.02 0.85 64 21.32 17.37
14 1.08 0.96 65 22.42 19.25
15 1.13 1.02 66 25.30 21.32
16 1.17 1.08 67 28.51 22.42
17 1.22 1.13 68 32.09 25.30
18 1.26 1.17 69 36.08 28.51
19 1.29 1.22 70 40.51 32.09
20 1.33 1.26 71 45.44 36.08
21 1.35 1.29 72 50.92 40.51
22 1.38 1.33 73 57.00 45.44
23 1.40 1.35 74 63.75 50.92
24 1.42 1.38 75 71.25 57.00
25 1.43 1.40 76 79.58 63.75
26 1.45 1.42 77 88.81 71.25
27 1.45 1.43 78 99.06 79.58
28 1.46 1.45 79 110.44 88.81
29 1.46 1.45 80 123.07 99.06
30 1.46 1.46 81 137.1 110.44
31 1.49 1.46 82 152.68 123.07
32 1.53 1.46 83 168.04 137.1
33 1.59 1.49 84 182.77 152.68
34 1.66 1.53 85 198.73 168.04
35 1.75 1.59 86 216.02 182.77
36 1.86 1.66 87 234.76 198.73
37 1.98 1.75 88 255.06 216.02
38 2.12 1.86 89 277.03 234.76
39 2.30 1.98 90 300.83 255.06
40 2.48 2.12 91 326.58 277.03
41 2.65 2.30 92 354.45 300.83
42 2.82 2.48 93 384.6 326.58
43 3.04 2.65 94 417.21 354.45
44 3.31 2.82 95 452.46 384.6
45 3.62 3.04 96 490.56 417.21
46 3.98 3.31 97 531.72 452.46
47 4.39 3.62 98 576.18 490.56
48 4.85 3.98 99 623.3 531.72
49 5.35 4.39
50 5.91 4.85
Age Age
Mortality charges
(Applicable to all unit linked products, subject to the cover ceasing age)

08/04/2014

Understanding your needs
All of us need a sound financial plan to achieve our goals in life: buying a house, securing our children’s education,
going on a dream vacation and living comfortably after retirement. If you are looking for such a solution,
ICICI Pru Savings Suraksha is an ideal savings and protection oriented plan for you.
ICICI Pru Savings Suraksha gives you the flexibility to choose a premium payment option based on your needs. You can
pay premiums for a limited period or for the entire policy term.
ICICI Pru Savings Suraksha – Limited Pay
Key Benefits
ICICI Pru Savings Suraksha – Regular Pay
Key Benefits
ICICI Pru Savings Suraksha – Regular Pay provides you:
• Protection - Get life cover for the entire policy term
• Savings with the comfort of guarantees - At maturity of the
policy, you receive:
• Guaranteed Maturity Benefit (GMB)
• Accrued Guaranteed Additions (GAs) - During each of the first
five policy years, GA equal to 5% of GMB will accrue to the policy
• Vested reversionary bonuses, if any
• Terminal bonus, if any
• Flexibility - Choose premium payment mode, Sum Assured and policy
term as per your need
• Tax benefits – Tax benefits apply to premiums paid and benefits
T&C3 received as per the prevailing tax laws
ICICI Pru Savings Suraksha – Limited Pay provides you:
• Protection - Get life cover for the entire policy term
• Savings with the comfort of guarantees - At maturity of the
policy, you receive:
• Guaranteed Maturity Benefit (GMB)
• Accrued Guaranteed Additions (GAs) - During each of the first
five policy years, GA equal to 5% of GMB will accrue to the policy
• Vested reversionary bonuses, if any
• Terminal bonus, if any
• Flexibility - Choose premium payment term, premium payment mode,
Sum Assured and policy term as per your need
• Tax benefits – Tax benefits apply to premiums paid and benefits
T&C3 received as per the prevailing tax laws
2

07/04/2014

ICICI Prudential Life InsuranceLogin: As a Customer As an Advisor As a Partner As a Corporate Buy OnlineOur ProductsAbout UsWhy ICICI Pru LifeCustomer ServiceClaimsFund PerformanceI AM NEW HERE NEED HELP
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ALL PLANSTERM PLANSWEALTH PLANSRETIREMENT PLANSmore ICICI Pru iCare II Term Insurance PlanGender: MaleAge: 30 yearsPremium Payment Option: YearlyPolicy Term: 20 years
Check your premium nowYourSum Assured:
3,00,000
3,00,000Your annualPREMIUM:
2,811
Net of taxGet an additional Accidental Death Benefit of Rs. 3,00,000. An additional death benefit is equal to Sum Assured or Rs. 50 lakhs, whichever is lower, payable only in case of death due to accident.Disclaimer
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A Life insurance plan ensures your family's financial security, even in your absence. Use the Life Insurance Calculator to evaluate Life insurance premiums and learn more about Life Insurance. Retirement & pension plans help you provide for your financial needs in your post retirement years. A Retirement Calculator is the ideal place to start when deciding on a pension plan. Evaluate your Retirement Options now. ULIPs, or Unit Linked Insurance Plans, are fast gaining popularity. Benefits include flexibility, Transparency, Liquidity, and Fund Options. Click here to learn more about ULIP Plans.
Reg. Off.: ICICI Pru Life Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600.