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Benefit Illustration of ICICI Pru Guaranteed Savings Insurance Plan

This shall form a part of the policy document.

Prepared For :
Unique Identification No. : 105N114V02

Mr. Vasudeo Joshi

Product Summary ICICI Pru Guaranteed Savings Insurance Plan Name of the Product: 47Years Age of the life assured: 10Years PremiumPaymentTerm: 20Years Policy Term: Yearly Mode of Premium Payment: Rs.5000000 Sum Assured: Rs.500000 Installment amount: Rs.15450 Service tax and cesses, as applicable, per instalment payment: Rs.515450 Total premium payable at inception: Rs.500000 Annual premium (excl. Tax): Rs.515450 Annual premium (incl. Tax): Benefit Summary Scenario 1 @ 6% Sum Assured Estimated Regular Additions (RAs) till end of the term Estimated Maturity Addition Estimated Maturity Benefit Policy Annualised Age Year Premium
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 l l l 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 0 0 0 0 0 0 0 0 0 0 Rs.5000000 Rs.3000000 Rs.2751731 Rs.10751731

Proposal No. :_________ Policy No. :_________

Scenario 2 @ 8%
Rs.5000000 Rs.4000000 Rs.5422212 Rs.14422212

Estimated Regular Additions


150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000 150000

Detailed benefit illustration Assumed gross interest rate of 6% Estimated Estimated Estimated Guaranteed Estimated Maturity Surrender Regular Death Benefit loan available Addition value Additions
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2751731 5000000 5000000 5000000 5000000 5000000 5000000 5000000 5013282 5788946 6603394 6933563 7280241 7644253 8026466 8427789 8849179 9291638 9756220 10244031 10756232 0 0 441890 653835 906320 1205232 1557201 1969684 2451066 3010758 3326656 3673828 4055258 4474204 4934228 5439221 5993433 6601509 7268519 0 0 0 353512 523068 725056 964186 1245761 1575747 1960852 2408606 2661325 2939063 3244207 3579363 3947383 4351377 4794747 5281207 5814815 0 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000 200000

Assumed gross interest rate of 8% Estimated Estimated Guaranteed Maturity Surrender Death Benefit Addition value
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5422212 5000000 5000000 5000000 5000000 5000000 5000000 5000000 5013282 5788946 6603394 6933563 7280241 7644253 8026466 8427789 8849179 9291638 9756220 10244031 10756232 0 0 350000 525000 718176 979592 1297696 1682371 2145023 2698803 3053503 3452155 3900002 4402897 4967371 5600710 6311044 7107438 8000000 0

Estimated loan available


0 0 280000 420000 574541 783674 1038157 1345897 1716018 2159042 2442802 2761724 3120001 3522317 3973896 4480568 5048835 5685950 6400000 0

ICICI Pru Guaranteed Savings Insurance Plan is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or returns. The above illustration is applicable to a standard life (from medical, life style and occupation point of view). The main objective of the illustration is that the client is able to understand the features of the product and the nature of benefits under different circumstances with some level of quantification. l Regular Addition (RA) once declared is guaranteed.

The above illustration is applicable to a standard life (from medical, life style and occupation point of view). The main objective of the illustration is that the client is able to understand the features of the product and the nature of benefits under different circumstances with some level of quantification. l Regular Addition (RA) once declared is guaranteed. l The above amounts assume that all premiums are paid when due. Further, the above Guaranteed Death Benefit (GDB) and Surrender Values are illustrated assuming that all the instalment premiums payable in a policy year are paid and that the event occurs at the end of the policy year. The benefits payable will be lower than those illustrated above if death or surrender takes place before the end of the policy year or if all the instalment premiums payable in that policy year have not been paid. l The above estimated maturity benefit is based on RA every year and a Maturity Addition (MA). The rates of the RA and MA are not guaranteed and vary year on year. The rate for RA is guaranteed to be 50% of the annualised Gross Redemption Yield (GRY) of the 10 -year G -Sec as at the Review Date immediately preceding the policy anniversary. The Review Date shall be the 7th of the first month of every quarter. In case the 7th is not a working day, the GRY of the next working day shall be considered for this purpose. l The amounts above are indicative and are based on the age, premium term, policy term, payment frequency and sum assured chosen. This may change at a policy level based on the actual premium paid, premium payment term, policy term opted for and the age of the policyholder. l For the purpose of illustrations we have assumed 6% and 8% as the lower and the higher rates 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 actual rates. The actual rate may be higher or lower than the above rates. For calculating RA, we have assumed the GRY of a 10 Year G -Sec as 6% and 8% for Scenario 1 and Scenario 2 respectively.
l l

Disclaimers ======== 1.The policy acquires a surrender value if premiums are paid for at least 3 consecutive policy years. The guaranteed surrender value will be equal to thirty five percent of all premiums paid excluding the first year premium, all extra premiums and premiums for rider benefits. The present value of accrued vested reversionary bonuses, if any, will be paid along with the guaranteed surrender value. The company, at its discretion, may also pay non -guaranteed surrender value which may be higher. 2.The above information must be read in conjunction with the sales brochure and policy document. 3.Tax Benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time. 4.Service tax and cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. 5.For any further clarifications, please feel free to contact your advisor / FSC or e -mail us on lifeline@iciciprulife.com As required by the Life Insurance Council please note "Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your Insurer carrying on Life Insurance business. 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 illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependant on a number of factors including future investment performance".

I ________________________________________, having received the information with respect to the above,have understood the above illustration before entering into the contract.

Marketingofficial'sSignature:Policyholder'sSignature:______________________________ CompanySeal: Place Date:


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

Disclaimers ======== 1.The policy acquires a surrender value if premiums are paid for at least 3 consecutive policy years. The guaranteed surrender value will be equal to thirty five percent of all premiums paid excluding the first year premium, all extra premiums and premiums for rider benefits. The present value of accrued vested reversionary bonuses, if any, will be paid along with the guaranteed surrender value. The company, at its discretion, may also pay non -guaranteed surrender value which may be higher. 2.The above information must be read in conjunction with the sales brochure and policy document. 3.Tax Benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time. 4.Service tax and cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. 5.For any further clarifications, please feel free to contact your advisor / FSC or e -mail us on lifeline@iciciprulife.com As required by the Life Insurance Council please note "Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your Insurer carrying on Life Insurance business. 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 illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependant on a number of factors including future investment performance".

I ________________________________________, having received the information with respect to the above,have understood the above illustration before entering into the contract.

Marketingofficial'sSignature:Policyholder'sSignature:______________________________ CompanySeal: Place Date:


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