Benefit Illustration of ICICI Pru SmartKid Premier This shall form a part of the policy document Prepared For

: Mr. Kumar

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Product Features ICICI Pru Unique Name of the Product : SmartKid : 105L120V01 Identification No. Premier Age : 41 Years Service Tax Rate : 12.36% Sum Assured : Rs.500,000/-1 Policy Term : 15 Years

Proposal No. : _________ Policy No. : _________ Proposer from J&K / NRI and : No communication address not of India Coverage option : Single Life chosen

Premium Payment Regular Pay (15 Mode Of Premium : : Yearly Option Years) Payment Amount of Choice of Fixed Portfolio Installment : Rs.50,000/: portfolio strategy Strategy premium Annualised Base Premium : Rs.50,000/: 15 Years Premium PaymentTerm Annualised Rider : Rs.0/SalesChannel : ICICI Bank Premium Total Annualised Funds Opted for Premium : Rs.50,000/: * (Base+Rider) Income Fund : 0% Money Market Fund : 100% Statement of various charges along with growth of the fund expected over the duration of the policy with assumed rate of interest (Gross Yield) as mentioned

Gross Yield 10% (All charges are in rupees) Projected Net Yield 8.88% Annualised Amount available Premium Policy Fund Investment Loyalty Surrender Death

Premium Policy Annualised Allocation Year Premium2 Charge3 1 2 3 4 5 6 7 8 9 10 50000 50000 50000 50000 50000 50000 50000 50000 50000 50000 1000 0 0 0 0 0 0 0 0 0

Amount available Investment Policy Fund Loyalty Fund at Surrender Death Commission/ for Mortality Service Other Admin before FMC Guarantee 5 End investment Charge Tax Charge Value6 Benefit6 Brokerage 4 Additions Charge FMC Charge (out of Premium) 49000 3208 2820 948 0 46531 356 0 0 46175 0 500000 6000 50000 3355 2820 925 0 98283 727 0 0 97556 0 500000 1000 50000 3542 2820 1038 0 154468 1130 0 0 153337 0 500000 1000 50000 3759 2820 1162 0 215449 1568 0 0 213881 0 500000 1000 50000 3999 2820 1297 0 281633 2043 0 0 279590 279590 500000 1000 50000 4254 2820 1443 0 353469 2559 0 0 350910 350910 500000 1000 50000 4520 2820 1601 0 431450 3118 0 0 428332 428332 500000 1000 50000 4786 2820 1769 0 516131 3726 0 0 512405 512405 500000 1000 50000 5044 2820 1948 0 608124 4386 0 0 603738 603738 500000 1000 50000 5466 2820 2159 0 707893 5102 0 12720 715512 715512 525000 1000

Policyholder'sSignature:______________________________

qnexb / Page 2 of 3 Amount Premium available Loyalty Policy Fund Guarantee Surrender Death Commission/ Policy Annualised Allocation for Mortality Service Other Additions Fund at Admin before FMC 2 4 Year Premium investment Charge Tax Charge End Charge Value6 Benefit6 Brokerage 5 Charge FMC Charge 3 (out of Premium) 11 50000 0 50000 6115 2820 2434 0 829833 5978 0 0 823855 823855 577500 1000 12 50000 0 50000 6807 2820 2708 0 947956 6827 0 0 941129 941129 630000 1000 13 50000 0 50000 7543 2820 3004 0 1075833 7746 0 0 1068088 1068088 682500 1000 14 50000 0 50000 8318 2820 3321 0 1214295 8740 0 0 1205555 1205555 735000 1000 15 50000 0 50000 9111 2820 3658 0 1364272 9818 0 24889 1379343 1379343 787500 1000

Gross Yield (All charges are in rupees) Amount

6%

Gross Yield

6%

Premium Policy Annualised Allocation Year Premium 2 Charge 3 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 50000 50000 50000 50000 50000 50000 50000 50000 50000 50000 50000 50000 50000 50000 50000 1000 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(All charges are in rupees) Amount available Investment Loyalty Policy Fund for Mortality Service Other Fund at Surrender Death Commission/ Admin before FMC Guarantee Additions investment Charge Tax Charge End Value6 Benefit6 Brokerage 4 5 Charge FMC Charge (out of Premium) 49000 3208 2820 946 0 44729 349 0 0 44380 0 500000 6000 50000 3355 2820 919 0 92703 699 0 0 92005 0 500000 1000 50000 3542 2820 1023 0 142874 1065 0 0 141809 0 500000 1000 50000 3759 2820 1135 0 195317 1448 0 0 193869 0 500000 1000 50000 3999 2820 1254 0 250120 1848 0 0 248273 248273 500000 1000 50000 4254 2820 1378 0 307386 2266 0 0 305121 305121 500000 1000 50000 4520 2820 1508 0 367224 2703 0 0 364522 364522 500000 1000 50000 4786 2820 1643 0 429764 3159 0 0 426605 426605 500000 1000 50000 5044 2820 1781 0 495151 3636 0 0 491514 491514 500000 1000 50000 5466 2820 1944 0 563340 4135 0 10384 569589 569589 525000 1000 50000 6115 2820 2157 0 645192 4733 0 0 640458 640458 577500 1000 50000 6807 2820 2364 0 719372 5276 0 0 714096 714096 630000 1000 50000 7543 2820 2580 0 796431 5840 0 0 790590 790590 682500 1000 50000 8318 2820 2806 0 876467 6426 0 0 870040 870040 735000 1000 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564 787500 1000

Policyholder'sSignature:______________________________

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IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATION PURPOSE.

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATION PURPOSE. ICICI Pru SmartKid Premier is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or returns. * Please note below the SFIN of the funds. Multi Cap Growth Fund(ULIF 085 24/11/09 LMCapGro 105), Bluechip Fund (ULIF 087 24/11/09 LBluChip 105), Opportunities Fund(ULIF 086 24/11/09 LOpport 105), Dynamic P/E Fund(ULIF 097 11/01/10 LDynmicPE 105), Multi Cap Balanced Fund(ULIF 088 24/11/09 LMCapBal 105), Income Fund(ULIF 089 24/11/09 LIncome 105)and Money Market Fund(ULIF 090 24/11/09 LMoneyMkt 105) are the names of the different fund options and do not in any manner indicate the quality of the fund, its future prospects or returns.
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Includes Top up Sum Assured (if any). Includes Top up premium (if any). Rider Premium is payable separately. Includes Top up charge (if any). Charge for investment guarantee of 0.25% p.a. is applicable only for the Return Guarantee Fund.

At the end of every fifth policy year, starting from the end of the 10th policy year, there will be Loyalty Additions to the policy, provided all due premiums have been paid. The Loyalty Additions will be calculated as 2% of the average of the Fund Value on the last day of eight policy quarters preceding the said allocation.
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The Death Benefit and Surrender Values illustrated assume that the event occurs at the end of the policy year. Rider Premium is inclusive of service tax. Rider Premium is payable throughout the Rider Term.

 Policyholder'sSignature:______________________________ Disclaimers ======== 1. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy offers guaranteed returns then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable returns then the illustration on this page will show two different rates of assumed future investment returns. These assumed rates of returns are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy as it is dependant on a number of factors including future investment performance. 2. For the purpose of illustrations, we have used 6% and 10% as the lower and the higher rates of investment returns respectively, in the calculations. These are in accordance with the guidelines issued by the Life Insurance Council and in no way signify our expectations of investment return on the funds. For each of the funds, the actual investment return may be higher or lower than the above rates based on the asset classes and the risk taken. 3. The Net yields have been calculated after applying all the charges (except service tax, education cess, charge for investment guarantee, mortality charges if any). 4. This document is for illustration purposes only. 5. The investments in the units are subject to market and other risks and there can be no assurance that the objectives of any of the funds will be achieved. 6. The unit value of the units of each of the funds can go up or down depending on the factors and forces affecting the financial markets from time to time and may also be affected by changes in the general level of interest rates. 7. In case premium payment is discontinued before the completion of five policy years, life cover under the policy and any rider cover, if any, shall ceased and the Fund Value, including Top up Fund Value, if any, shall be transferred to the discontinued policy fund after deduction of applicable discontinuance charge. At the end of the fifth policy year, the discontinued policy fund value shall be paid to the Policyholder. All guarantees, rights, benefits and interests under the Policy will be extinguished can be added for more clarity to the policyholder. 8. If premium payment is discontinued after the completion of five policy years, the Fund Value, including Top up Fund Value, if any, will be paid to the Policyholder. 9. Fund Value at start shall be: For 1st year, it is the amount available for investment; thereafter, it is previous year's end Fund Value plus the amount available for investment in the current year. Rider Premium is not included in the Fund Value calculations. 10. The fund options do not offer a guaranteed or assured return except for the Return Guarantee Fund which gives a minimum guaranteed return by the way of a guaranteed NAV at the time of termination of the tranche. 11. Past performance of any plan/ fund of the company is not necessarily indicative of the future performance of any of the plans. 12. The above information must be read in conjunction with the sales brochure & policy document. 13. This illustration is based on the terms and conditions of the life insurance policy as on date of the illustration. 14. This benefit illustration is merely an example and is based on the data provided by you in the application form. The illustration is based on the basic mortality charge. However the illustration could change in case we charge extra premium based on underwriting guidelines. 15. Tax Benefits would be available as per the prevailing Income Tax laws. 16. Service tax includes tax on all applicable charges. 17. Service tax rate and amounts shown are inclusive of the applicable education cess. 18. The Policyholder shall be required to pay service tax, education cess or any other form of taxes or charges or levies as per prevailing laws and regulations, whichever applicable. Tax laws are subject to amendment from time to time. 19. For the Product, an additional charge of Rs.2.50 per Rs.1,000 Sum Assured will be levied on an annual basis in case of a non standard age proof. This will be charged via cancellation of units. qnexb / Page 4 of 3

18. The Policyholder shall be required to pay service tax, education cess or any other form of taxes or charges or levies as per prevailing laws and regulations, whichever applicable. Tax laws are subject to amendment from time to time. 19. For the Product, an additional charge of Rs.2.50 per Rs.1,000 Sum Assured will be levied on an annual basis in case of a non standard age proof. This will be charged via cancellation of units. 20. Commission/ Brokerage, as mentioned in the table above, only indicates the amount payble, if any, to the agent / broker, and is not a separate charge in the policy. 21. For any further clarifications, please feel free to contact your advisor or FSC or e-mail us on lifeline@iciciprulife.com. 22. Insurance is the subject matter of this solicitation. I ________________________________________,(Name) having received the information with respect to the above,have understood the above illustration before entering into the contract. Marketingofficial'sSignature:Policyholder's Signature:______________________________ Company Seal: Place Date: ICICI Prudential Life Insurance Company Limited. 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025 Email: lifeline@iciciprulife.com www.iciciprulife.com