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Benefit Illustration of ICICI Pru SmartKid Premier qnexb / Page 1 of 3 This shall
Benefit Illustration of ICICI Pru SmartKid Premier
qnexb / Page 1 of 3
This shall form a part of the policy document
Prepared For : Mr. Kumar

Product Features

ICICI Pru Name of the Product : SmartKid Premier Age : 41 Years

Unique

: 105L120V01

Identification No. Service Tax Rate : 12.36%

Sum Assured : Rs.500,000/- 1

Policy Term : 15 Years

Premium Payment Option

Regular Pay (15

: Years)

Amount of Installment : Rs.50,000/- premium Annualised Base

: Rs.50,000/-

Premium Annualised Rider Premium Total Annualised Premium (Base+Rider)

: Rs.0/-

: Rs.50,000/-

Mode Of Premium Payment : Yearly

Choice of

Fixed Portfolio

portfolio strategy : Strategy

Premium

Term : 15 Years

Payment

SalesChannel : ICICI Bank

Funds Opted for *

:

Proposal No. :

Policy No. :

Proposer from J&K / NRI and communication address not of India Coverage option chosen

: No

: Single Life

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

(All charges are in rupees)

Gross Yield

10%

Projected Net Yield

8.88%

Amount

available Policy Year Annualised Premium 2 Premium Allocation Charge 3 for investment
available Policy Year Annualised Premium 2 Premium Allocation Charge 3 for investment
available Policy Year Annualised Premium 2 Premium Allocation Charge 3 for investment
available Policy Year Annualised Premium 2 Premium Allocation Charge 3 for investment
available Policy Year Annualised Premium 2 Premium Allocation Charge 3 for investment
available Policy Year Annualised Premium 2 Premium Allocation Charge 3 for investment
available Policy Year Annualised Premium 2 Premium Allocation Charge 3 for investment
available Policy Year Annualised Premium 2 Premium Allocation Charge 3 for investment
available Policy Year Annualised Premium 2 Premium Allocation Charge 3 for investment
available Policy Year Annualised Premium 2 Premium Allocation Charge 3 for investment

available

Policy

Year

Annualised

Premium 2

Premium

Allocation

Charge 3

for

investment

Mortality

Charge

Policy

Admin

Service

Tax

Other

Charge

Fund

before

FMC

FMC

Investment

Guarantee

Loyalty

Additions 5

Fund at

End

Value 6

 

Charge

Charge 4

(out of

Premium)

Surrender

Death

Benefit 6

Commission/

Brokerage

1 50000

1000

49000

3208

2820

948

0

46531

356

0

0

46175

0

500000

6000

2 50000

0

50000

3355

2820

925

0

98283

727

0

0

97556

0

500000

1000

3 50000

0

50000

3542

2820

1038

0

154468

1130

0

0

153337

0

500000

1000

4 50000

0

50000

3759

2820

1162

0

215449

1568

0

0

213881

0

500000

1000

5 50000

0

50000

3999

2820

1297

0

281633

2043

0

0

279590

279590

500000

1000

6 50000

0

50000

4254

2820

1443

0

353469

2559

0

0

350910

350910

500000

1000

7 50000

0

50000

4520

2820

1601

0

431450

3118

0

0

428332

428332

    500000 1000 50000 0 50000 4786 2820 1769 0 516131 3726 0 0
   

500000

1000

50000

0

50000

4786

2820

1769

0

516131

3726

0

0

512405

512405

500000

1000

50000

0

50000

5044

2820

1948

0

608124

4386

0

0

603738

603738

500000

1000

50000

0

50000

5466

2820

2159

0

707893

5102

0

12720

715512

715512

525000

1000

50000 5466 2820 2159 0 707893 5102 0 12720 715512 715512 525000 1000 8 9 10
50000 5466 2820 2159 0 707893 5102 0 12720 715512 715512 525000 1000 8 9 10

8

9

10

50000 5466 2820 2159 0 707893 5102 0 12720 715512 715512 525000 1000 8 9 10
50000 5466 2820 2159 0 707893 5102 0 12720 715512 715512 525000 1000 8 9 10
50000 5466 2820 2159 0 707893 5102 0 12720 715512 715512 525000 1000 8 9 10
50000 5466 2820 2159 0 707893 5102 0 12720 715512 715512 525000 1000 8 9 10
50000 5466 2820 2159 0 707893 5102 0 12720 715512 715512 525000 1000 8 9 10

Policyholder's Signature:

qnexb / Page 2 of 3

Premium Allocation Charge 3 0 0

Premium

Allocation

Charge 3

0

0

0

Amount

available

for

investment

(out of

Premium)

Policy

Annualised

Year

Premium 2

11

50000

12

50000

13

50000

14

50000

0

Mortality

Charge

50000 6115

50000 6807

50000 7543

50000 8318

Charge 50000 6115 50000 6807 50000 7543 50000 8318 15 50000 0 50000 9111 Policy Admin
Charge 50000 6115 50000 6807 50000 7543 50000 8318 15 50000 0 50000 9111 Policy Admin
Charge 50000 6115 50000 6807 50000 7543 50000 8318 15 50000 0 50000 9111 Policy Admin
Charge 50000 6115 50000 6807 50000 7543 50000 8318 15 50000 0 50000 9111 Policy Admin

15

50000 0

50000 9111

6807 50000 7543 50000 8318 15 50000 0 50000 9111 Policy Admin Charge 2820 2820 2820
6807 50000 7543 50000 8318 15 50000 0 50000 9111 Policy Admin Charge 2820 2820 2820
6807 50000 7543 50000 8318 15 50000 0 50000 9111 Policy Admin Charge 2820 2820 2820
6807 50000 7543 50000 8318 15 50000 0 50000 9111 Policy Admin Charge 2820 2820 2820

Policy

Admin

Charge

2820

2820

2820

2820

Service

Other

Tax

Charge

2434

0

2708

0

3004

0

3321

0

Fund

before

FMC

FMC

829833

5978

947956

6827

1075833

7746

1214295

8740

Guarantee

Charge 4

0

0

0

0

Loyalty

Additions

5

Fund at

End

Surrender

Value 6

Death

Benefit 6

Commission/

Brokerage

0

823855

823855

577500

1000

0

941129

941129

630000

1000

0

1068088

1068088

682500

1000

0

1205555

1205555

735000

1000

2820

3658 0

1364272

9818 0

24889

1379343 1379343

787500 1000

Gross Yield

6%

(All charges are in rupees)

Fund Investment Guarantee Charge 4 0 0 0 0 0 0 0 0 0 0
Fund
Investment
Guarantee
Charge 4
0
0
0
0
0
0
0
0
0
0

0

0

0

Policy

Annualised

Year

Premium 2

1

50000

2

50000

3

50000

4

50000

5

50000

6

50000

7

50000

8

50000

9

50000

10

50000

11

50000

12

50000

13

50000

14

50000

 

Amount

available

Premium

Allocation

Charge 3

for

investment

(out of

Premium)

1000

49000

0

50000

0

50000

0

50000

0

50000

0

50000

0

50000

0

50000

0

50000

0

50000

0

50000

0

50000

0

50000

0

50000

 

Policy

Mortality

Charge

Admin

Charge

3208

2820

3355

2820

3542

2820

3759

2820

3999

2820

4254

2820

4520

2820

4786

2820

5044

2820

5466

2820

6115

2820

6807

2820

7543

2820

8318

2820

Service

Other

Tax

Charge

946

0

919

0

1023

0

1135

0

1254

0

1378

0

1508

0

1643

0

1781

0

1944

0

2157

0

2364

0

2580

0

2806

0

before

FMC

FMC

44729

349

92703

699

142874

1065

195317

1448

250120

1848

307386

2266

367224

2703

429764

3159

495151

3636

563340

4135

645192

4733

719372

5276

796431

5840

876467

6426

0

Loyalty

Additions

5

Fund at

End

Surrender

Value 6

Death

Benefit 6

0

44380

0

500000

0

92005

0

500000

0

141809

0

500000

0

193869

0

500000

0

248273

248273

500000

0

305121

305121

500000

0

364522

364522

500000

0

426605

426605

500000

0

491514

491514

500000

10384

569589

569589

525000

0

640458

640458

577500

0

714096

714096

630000

0

790590

790590

682500

0

870040

870040

735000

790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035
790590 682500 0 870040 870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035

15

50000 0

50000 9111

2820

3039 0

959608

7035 0

17991

970564 970564

787500

870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564
870040 735000 15 50000 0 50000 9111 2820 3039 0 959608 7035 0 17991 970564 970564

1000

Policyholder's Signature:

qnexb / Page 3 of 3

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. 1 Includes Top up Sum Assured (if any). 2 Includes Top up premium (if any). Rider Premium is payable separately. 3 Includes Top up charge (if any). 4 Charge for investment guarantee of 0.25% p.a. is applicable only for the Return Guarantee Fund. 5 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. 6 The Death Benefit and Surrender Values illustrated assume that the event occurs at the end of the policy year. 8 Rider Premium is inclusive of service tax. Rider Premium is payable throughout the Rider Term.

Policyholder's Signature:

 

qnexb /

Disclaimers

Page 4

of 3

========

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 extinguishedcan 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.

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

understood the above illustration before entering into the contract.

Marketing official's Signature:

Signature:

Company Seal:

Place

Date:

,(Name)

having received the information with respect to the above,have

Policyholder's

ICICI Prudential Life Insurance Company Limited. 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025 Email: lifeline@iciciprulife.com www.iciciprulife.com