Life Insurance Plans

Life insurance products assure your family will receive financial support, even in your
absence. Put simply, when you buy insurance you provide your family with a sum of money,
should something happen to you. It thus permanently protects your family from financial
crises.

In addition to serving as a protective cover, when you buy insurance you create a flexible
money-saving scheme, which empowers you to accumulate wealth to buy a new car, get your
children educational solutions, and even retire comfortably.

Today, there is no shortage of investment options for a person to choose from. Given the
plethora of choices, it becomes imperative to make the right choice when investing your hard-
earned money, and online insurance is an ideal choice in today’s technology driven world.
Buying Life insurance online is a way to make a unique investment that helps you to meet
your dual needs - saving for life's important goals, and protecting your assets.

From an investor's point of view, an investment can play two roles - asset appreciation or
asset protection. While most financial instruments have the underlying benefit of asset
appreciation, buying life insurance online gets you the unique reassurance of asset protection,
along with a strong element of asset appreciation.

When you buy life insurance online the core benefit is that the financial interests of one’s
family remain protected from circumstances such as loss of income due to critical illness or
death of the policyholder. Simultaneously, buying life insurance online gives a strong inbuilt
wealth creation proposition. The customer therefore benefits on two counts and online
insurance products occupy a unique space in the landscape of investment options available to
a customer.

As your life stage and therefore your financial goals change, the instrument in which you
invest should offer corresponding benefits pertinent to the new life stage. Online insurance
products are the only investment option that offer specific products tailor-made for different
life stages. You are thus ensured that the benefits offered to the customer reflect the needs of
the customer at that particular life stage, and hence ensures that the financial goals of that life
stage are met.

On the basis of which life stage you are in and the corresponding insurance needs, ICICI
Prudential plans can be categorized into the following three types:
• Education Insurance Plans

• Wealth Creation Plans

• Protection Plans

Education Insurance Plans

One of your most important responsibilities as a parent is to ensure that your child gets the best possible education that
can be provided.

ICICI Prudential offers a wide portfolio of education insurance plans that are designed to provide peace of mind to
you, as a parent, that your child's education will be secure. These plans ensure that money is made available at the crucial
junctures in a child's education - Class X, Class XII, graduation and post-graduation - to fund crucial commitments for
the child's future.

Importantly, education insurance plans ensure that in the unfortunate event of the death of a parent, the child's education
continues unhampered.

Under the education insurance plans platform, ICICI Prudential brings the following products to you. Please click on the
product name to know more about the plans.

Plan Name Plan Type

ICICI Pru SmartKid Regular Premium

Traditiona

Wealth Creation Plans

Wealth Creation Plans give the customer the dual benefit of protection along with the returns on their savings.

We offer market-linked insurance plans (ULIPs) which give the customer the flexibility in choosing the premium amount and also choosing
the underlying fund in which this money is to be invested. As such, ULIPs are ideal for customers who want the protection of a life cover to
be allied to the returns of market linked instrument – giving them an unmatched combination of benefits.

For customers who would prefer low risk options and at the same time would want to get returns on their investment, we offer non-linked
insurance plans. These plans offer returns on the amount invested while ensuring the plan is not affected by the fluctuations in the equity
markets.

Plan Name Plan Type

Traditional
ICICI Pru Guaranteed Savings Insurance Plan

ICICI Pru Whole Life

Traditional

ICICI Pru LifeStage Wealth II

ULIP

ICICI Pru Pinnacle II

ULIP

ICICI Pru LifeTime Premier

ULIP

ICICI Pru LifeLink Wealth SP

ULIP

Protection Plans
The sole objective of these plans, as their name indicates, is to serve the protection needs of the customer and by doing so, safeguard one’s
family from the financial implications of unfortunate circumstances than one cannot foresee.

Under the Protection Plans platform, ICICI Prudential brings to you the following products:

Plan Name Plan Type

iProtect (Buy online now) Traditional

Pure Protect Traditional

LifeGuard Traditional

Save'n'Protect Traditional

CashBak Traditional

Home Assure Tradition

Premium Guarantee Plans

The latest addition to the life insurance product portfolio of ICICI Prudential is the Premium Guarantee plan -
InvestShield Life New. Premium Guarantee plans are the ideal insurance-cum-investment option for customers who
want to enjoy the potentially higher returns(over the long term) of a market linked instrument, but without taking any
market risk.

Under the Premium Guarantee Plans platform, ICICI Prudential brings to you the following products:

Plan Name Plan Type

InvestShield Life New Unit Linked

InvestShield CashBak Unit Linked

ICICI Pru Pension Plan

ICICI prudential retirement solutions also known as ICICI Pru pension plans
have been designed to cater to the diverse requirements that
characterize each individual. A retirement plan is an assurance of regular
income source to continue with your present lifestyle. ICICI Prudential
understands the importance of a pension plan for you and brings
innovative and customized products and plans to suit each customer.

Retirement solutions by ICICI Prudential include pension plans, lifetime

gold schemes, ICICI prudential power fund and many such services. A list
of popular pension plans by ICICI prudential includes:

ICICI Prudential Life Stage Pension Plan:

There is no premium allocation charge and the entire amount you pay as
regular premiums is meant for investment only. The money invested thus
is re-distributed continuously across various asset groups, which are
based on the stages of your life and your risk tolerance. This plan enables
you for a customized retirement solution.

ICICI Prudential Premier Life Pension Plan:

This plan will not only take care of your need after retirement but also
make you richer when you retire. You can customize your investment by
decreasing the premium contributions or by making top ups at any time.
At retirement, you are entitled for a regular income for the rest of your
life.

ICICI Prudential Life Time Super Pension Plan:

It is a cost-effective plan to help you save systematically. It is a unit-

linked pension policy and let you earn a fixed income after retirement.

ICICI Prudential Life Link Super Pension:

It is a retirement plan based on single premium. In this plan, you can make
a lump-sum investment rather than paying premiums at regular intervals.

ICICI Prudential Forever Life Plan:

It is a pension plan with an added advantage of insurance cover. Before

retirement you are provided with protective cover for life and after that
you are entitled for regular pensions.

ICICI Prudential Immediate Annuity Plan:

It is a single premium product and let you earn annuity income for entire life. The
distinguishing feature of this plan is that you can start earning right after paying the
premium. Moreover, the pension is guaranteed till you or your spouse is alive.

Health Product Suite

Health Product Suite:

Under Health Product Suite, ICICI Prudential offers plans under the following major need categories:

Hospitalisation Plans
• Hospital Care

Critical Illness Plans

• Crisis Cover

• HealthAssure Plus

Cancer Products
• Cancer Care

• Cancer Care Plus

Diabetes Products
• Diabetes Care

• Diabetes Care Plus

• Diabetes Assure

Preamble on ICICI pru’s Rural Business

Initiative
ICICI Prudential covers more than 6,50,000 lives across as many as 17 states in
India. Both our rural plans, Suraksha and Suraksha Kavach, are tailored to meet the
unique requirements of rural investors. The plans offer:

1. Life Cover
2. Low and Affordable Premiums
3. Hassle Free Procedure

ICICI Pru Group Solutions Advantage

ICICI Prudential offers a suite of Group Insurance plans that provide both
you and your employees with a host of benefits:
1. Group Super Annuation: This flexible plan for both, defined benefit and defined
contribution, provides retirement & tax benefits applicable to an approved superannuation
trust. Read more
2. Group Gratuity Plan: This hassle-free plan enables you to effortlessly fund your statutory
gratuity obligation. Read more
3. Annuity Solutions: This suite of retirement plans enables you to provide your employees
with a steady income all through their retired lives. Read more
4. Group Term Insurance Plan: This insurance plan provides affordable cover to all your
employees. Read more
5. Group Term Insurance in lieu of EDLI: This plan is certified by Employee Provident
Fund Organistion (EPFO) as a superior alternative to Employee's Deposit Linked Insurance
Scheme. Read more
Preamble on ICICI pru’s Rural Business Initiative
ICICI Prudential covers more than 6,50,000 lives across as many as 17
states in India. Both our rural plans, Suraksha and Suraksha Kavach, are
tailored to meet the unique requirements of rural investors. The plans
offer:
• Life Cover
• Low and Affordable Premiums
• Hassle Free Procedure
Riders
ICICI Prudential gives you the freedom to form your very own
comprehensive insurance policy by adding the rider benefits to the basic
life insurance policy. Add from the following list of benefits to increase the
scope of your policy, at a nominal c
Critical Illness Benefit Rider
This rider provides protection against 9 critical illnesses, namely: Major
organ transplants, Complete renal failure, Stroke, Paralysis, Heart attack,
Valve replacement surgery, Major surgery of the aorta, CAGS (Bypass) and
Cancer

Benefits paid on contracting the illness

Accelerated benefits (available with Save‘n’Protect and CashBak) : If the

policyholder is diagnosed with any of the specified illnesses, then the
policyholder is paid the entire sum assured under the rider. The policy
along with all the riders (to the extent of the Rider Sum Assured) is then
terminated. However, the remainder of the base policy continues till the
end of the term. The policyholder will have to continue paying his
premiums for the remainder of the policy.

tandalone benefits (available with LifeTime Super,PremierLife

Gold,LifeTime Plus,ForeverLife, Group Term Plan) : If the policyholder is
diagnosed with any of the specified illnesses, he/she is paid the rider Sum
Assured and the rider terminates. However, the base policy continues till
maturity. Premiums paid under this rider are eligible for tax benefits under
Section 80D.

For a detailed list of exclusions / conditions, please ask for our rider
brochure.
Accident Disability Benefit Rider
Benefits payable on death due to an accident

If the policyholder dies due to an accident, 100% of the rider sum assured
is paid in addition to the basic sum assured.

In case the policyholder dies in a land surface, mass public transport

system wherein the policyholder was traveling as a fare-paying passenger,
then 200% of the rider sum assured is paid.

Benefits payable in case of permanent disability due to an accident

If the policyholder survives an accident but becomes permanently disabled

then the premium for the basic plan is completely waived off to the extent
of the rider sum assured.
Plus, 10% of the rider sum assured is paid for the next 10 years, which
helps in providing that extra money and takes care of sudden financial set
back that occurs after a tragic disability.

Accident & Disability Benefit rider is available with LifeTime

Super,PremierLife Gold,LifeTime Super Pension,LifeTime Plus,SmartKid
New ULRP,Save n’ Protect, Cashbak, ForeverLife,LifeGuard ROP, LifeGuard
WROP, Group Term Plan.
Premiums paid under this rider are eligible for tax benefits under Section
80C.

For a detailed list of exclusions / conditions, please ask for our rider
brochure.
Income Benefit Rider
In case of death of the life assured during the term of the policy, 10% of
the rider sum assured is paid annually to the beneficiary, on each policy
anniversary till maturity of the rider. Income Benefit rider is available with
SmartKid Child Plans.

Premiums paid under this rider are eligible for tax benefits under Section
80C.

For a detailed list of exclusions / conditions, please ask for our rider
brochure.
Waiver of Premium Rider (WOP)
On total and permanent disability due to an accident, all future premiums
for both the base policy and rider(s) will be waived till the end of the term
of the rider or death of the life assured, if earlier.

Waiver of Premium rider is available with LifeTime Super,LifeTime

Plus,LifeTime Super Pension,SmartKid New ULRP,LifeGuard ROP,LifeGuard
WROP.

Premiums paid under this rider are eligible for tax benefits under Section
80C.

For a detailed list of exclusions / conditions, please ask for our rider
brochure.