Assure Wealth

ICICI Pru

Assure the sparkle in her eye remains forever

You have always strived hard to give the best of comforts to your family. Dont you wish that they continue with the same lifestyle forever? Hence, we present to you, ICICI Pru Assure Wealth, a whole life insurance and savings ULIP that rewards you with a guaranteed addition and also provides you an insurance cover so that the long term financial goals of your loved ones are taken care of even in your absence. Key benefits of ICICI Pru Assure Wealth
Enjoy the ? twin benefits of life cover and staying invested with our Whole Life policy
? select Dynamic P/E Fund: A unique fund that uses Option to

debt; based on your age by opting for LifeCycle based Portfolio Strategy
? Get additional allocation of units to your policy which

reference to price-earning multiple of NIFTY 50, to determine asset allocation between equity and debt
? You can choose between two variants: Super and Plus ? A Guaranteed Addition varying from 120% to 180% of one

results in more than 100% allocation of your premium to funds. This is done only on payment of due premiums as indicated below:
ICICI Pru Assure Wealth Super Plus Additional allocation of units Prem. Allocation (as a % of regular premium) 2%, 6th year onwards 2%, 8th year onwards 102% of premium paid

annual premium is added to your Fund Value at the end of the 15th Policy year1
ICICI Pru Assure Wealth Super Plus Guaranteed Addition 120% to 170% 140% to 180%
2

? Ensure liquidity with our Partial Withdrawal facility ? benefits on premiums paid and any benefits Get tax

? your investment automatically between equity & Redistribute

received under the policy as per the prevailing tax laws3

How does the policy work?

? the product variant, premium amount, Sum Choose

your life.
? the flexibility to access your funds through partial You have

Assured and portfolio strategy for your policy.

? Guaranteed Addition as a percentage of one annual

withdrawals.
? In the unfortunate event of death, your nominee would

premium would be added to your Fund Value at the end of the 15th policy year1.
? You can enjoy a life cover and stay invested for the whole of

receive the Sum Assured (net of applicable partial withdrawals) or the Fund Value, whichever is higher4.

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Eligibility Criteria
Min Premium Rs. 12,000 p.a. Modes of Premium Payment Yearly, Half-yearly, Monthly Min Sum Assured 5 x Annual Premium, subject to a minimum of Rs.1,00,000 Max Sum Assured As per the maximum Sum Assured multiples Min / Max Age at Entry 0 / 55 years (Age completed birthday) Policy Term Whole Life

Illustration
Annual Premium Portfolio Strategy : Rs. 20,000 : Fixed Mode of premium payment : Yearly Age at entry : 30 years Plus Rs. 6,32,053 Rs. 9,56,342 Sum Assured : Rs. 1,00,000 Term of illustration : 20 years

ICICI Pru Assure Wealth Super Returns @ 6% p.a. Rs. 624,554 Rs. 946,085 Rs. 6,34,380 Returns @ 10% p.a. Rs. 9,61,590

This illustration is for a healthy male with 100% of his investments in Multi Cap Growth Fund. The above are illustrative values, net of all charges, service tax and education cess. Since your Policy offers variable returns, the given illustration shows two different rates (6% and 10% p.a. as per the guidelines of Life Insurance Council) of assumed future investment returns 5.

Charges under the policy

Premium Allocation Charge: This charge will be deducted from the premium amount at the time of premium payment and units will be allocated thereafter. It will be levied as shown below: Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8+ ICICI Pru Assure Wealth 0% 100% 4% 4% 4% 4% 0% 0% Super 0% 100% 4% 4% 4% 4% 4% 4% Plus All top up premiums are subject to a premium allocation charge of 1% only. Fund Management Charge (FMC): The following fund management charges will be adjusted from the NAV on a daily basis: Fund FMC Opportunities Fund, Multi Cap Growth Fund, Bluechip Fund, Dynamic P/E Fund, Multi Cap Balanced Fund, Income Fund 1.35% p.a.
*

Money Market Fund 0.75% p.a.

Policy Administration Charge : There will be a fixed policy administration charge of Rs. 50 per month, levied from the 2nd to 10th policy year, post which NO policy administration charge would be levied*. It will be charged regardless of the premium payment status. Mortality Charge: Mortality charges will be deducted on a monthly basis on the life cover. Life cover is the difference between the Sum Assured (net of applicable partial withdrawals) and Fund Value at the time of deduction of charges*. Switching Charge: Four free switches are allowed every policy year. Subsequent switches would be charged at the rate of Rs. 100 per switch*. Any unutilised free switch cannot be carried forward to the next policy year. Miscellaneous Charge: If there are any policy alterations during the policy term, they will subject to a miscellaneous charge of Rs. 250 per alteration*
*

These charges will be made by redemption of units.

Terms and Conditions

1. Guaranteed Addition is based on the on the number of premiums paid towards the Policy and the variant chosen 2. The Guaranteed Addition will be paid only on payment of at least 5 full years premium in case of the Super variant and at least 7 full years premium in case of the Plus variant. 3. Tax benefits under the policy are subject to conditions under Sec. 80C and Sec 10(10D) of the Income Tax Act,1961. Service tax and education cess will be charged extra as per applicable rates and company policy from time to time. Tax laws are subject to amendments from time to time. 4. In case the life assured is below 7 years at the time of death, only Fund Value would be payable. 5. The returns shown in the benefit illustration are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your Policy depends on a number of factors including future investment performance.

For more information, please call:

Registered Office: ICICI Prudential Life Insurance Company Limited, ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400 025. Reg. No. 105

www.iciciprulife.com www.insurancenowsimple.com
2009, ICICI Prudential Life Insurance Co. Ltd. Insurance is the subject matter of the solicitation. For more details on the risk factors, term and conditions please read sales brochure carefully before concluding the sale. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values and 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. Investments are subject to market risk. This product leaflet is indicative of the terms, conditions, warranties and exceptions in the insurance policy. In the event of conflict, if any between the terms & conditions contained in this leaflet and those contained in the policy documents, the terms & conditions contained in the Policy Document shall prevail. Form No: ICICI Pru Assure Wealth (Variant: Plus) - U72; ICICI Pru Assure Wealth (Variant: Super) U73; UIN - 105L098V01. Advt No. L/II/849/2009-10.