Personalized proposal for securing your goals

with

Hi SHOUMIK SHOUMIK,
Congratulations on taking the first step of fulfilling your
life goals with a lump sum payout on maturity and a life
insurance cover.

Please go through the details of your quote and contact

your advisor who will assist you to purchase this plan.
 Snapshot of your plan

You pay SHOUMIK SHOUMIK

Yearly premium ` 1,00,000/-
for 10 years. 43 years / Male

Age 43 52 53
Years

You get:

Life Insurance Cover of Maturity benefit of:

` 10,00,000/- At 8% ARR*: ` 12,42,902/-
for entire policy term At 4% ARR*: ` 10,48,015/-
(at the end of the policy term)

Total Guaranteed Bonuses (B) You will receive

Benefit (A) Assumed rate of returns* Bonus Amount (A+B)

8% ` 2,89,794/- ` 12,42,902/-
` 9,53,108/-
4% ` 94,907/- ` 10,48,015/-

Benefit Benefit term Benefit amount

At 8% ARR*: ` 12,42,902/-
Maturity benefit At the end of the policy term At 4% ARR*: ` 10,48,015/-

` 10,00,000/- ^
Life Insurance Cover 10 years

Premium details Payment term Premium Amount

Premium to be paid every year 10 years ` 1,00,000/-

* For the purpose of illustration, the Company has assumed 8% and 4% as rates of investment returns. The returns shown in the illustration are not guaranteed and they are not the
upper or lower limits that you may get, as the value of the policy depends on a number of factors including future investment performance.
^ Life insurance cover shown is the Sum Assured on Death. Death Benefit is the highest of (1. Sum Assured on death plus accrued Guaranteed Additions and Bonuses, 2. GMB plus
accrued Guaranteed Additions and Bonuses, 3. 105% of total premiums received up to the date of death)
Tax benefits as per prevailing tax laws.
 Detailed break-up of premium amount

Total
Instalment Applicable
Instalment
Premium taxes
Premium
Instalment Premium
` 1,00,000/- ` 4,501/- ` 1,04,501/-
for 1st year

Instalment Premium
` 1,00,000/- ` 2,251/- ` 1,02,251/-
from 2st year onwards

Why choose us:

7.72 Cr ` 2.36 Lakh Cr

Lives covered as on Benefits paid till
March 31, 2023 March 31, 2023

` 2.50 Lakh Cr 24 hrs claim settlement

Assets under management as on Quick claim settlement
March 31, 2023 process available

Tax Saving
Get tax benefits on premium
paid & benefits

ICICI Prudential Life Insurance Company. IRDAI Regn No. 105. CIN:L66010MH2000PLC127837.

ICICI Prudential Life Insurance Company Limited. Registered Address:1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025. ICICI Pru Savings
Suraksha, UIN: 105N135V03. For more details on the risk factors, term & conditions please read the policy document. COMP/DOC/Mar/2022/253/7724.
 Marks 9 years of consistently
declaring bonuses.

Bonus History of ICICI Pru Savings Suraksha

Bonus rate as per Bonus amount as per Bonus amount
Bonus rate
Year Benefit Illustration Benefit Illustration at declared
declared
at ARR of 8% ARR of 8% (In `) (In `)
FY 14 2.00% 3.50% 12055 21096
FY 15 2.00% 3.50% 12296 21834
FY 16 2.00% 3.25% 12542 20984
FY 17 2.00% 3.00% 12793 20000
FY 18 2.00% 3.00% 13048 20599
FY 19 2.00% 3.00% 13309 21217
FY 20 2.00% 3.00% 13576 21854
FY 21 2.00% 2.75% 13847 20634
FY 22 2.00% 2.75% 14124 21201
Total
accumulated 1,17,590 1,89,419
amount

At 4% ARR, the revisionary bonus as per Benefit Illustration is 0. ARR here stands for Assumed rate of return.
Since the policy also offers variable returns, the given illustration shows two different rates of assumed future
investment returns.
Past performance is not indicative of future returns.

Keep saving, keep growing!!

The above calculations are depicted for a 35-year-old male who purchased ICICI Pru Savings Suraksha (UIN: 105N135V03) in FY 14, paying
annual premium of ` 1 Lakh for 7 years with a policy term of 12 years.

IRDAI Reg No: 105. CIN: L66010MH2000PLC127837. ICICI Prudential Life Insurance Co. Ltd. Registered Address: 1089, Appasaheb Marathe Marg, Prabhadevi,
Mumbai-400025. COMP/DOC/May/2022/255/0364.
 Benefit Illustration for ICICI Pru Saving Suraksha

Name of the Prospect / Policyholder : Mr. SHOUMIK SHOUMIK Name of the Product : ICICI Pru Savings Suraksha
Date of Birth(Age) : 01-Jan-1980 (43 Years) Tag Line : Non Linked Participating Life
Individual Savings Product
Gender of the PolicyHolder : MALE Unique Identification No. : 105N135V03
Name of the Life Assured : Mr. SHOUMIK SHOUMIK GST Rate and Cesses, if any for : 4.5%
Year 1
Date of Birth(Age) : 01-Jan-1980 (43 Years) GST Rate and Cesses, if any for : 2.25%
Year 2 Onwards
Gender of the Life Assured : MALE Sales Channel : ICICI Securities
Policy Term : 10 Years
Premium Payment Term : Regular Pay 10 Years
Amount of Instalment Premium : Rs 100,000/-
Mode of payment of Premium : Yearly

How to read and understand this benefit illustration?

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8%
p.a. and 4% p.a.

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 benefits these will be clearly marked 'guaranteed' in the illustration table on this page. If your
policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns, of 8% p.a. and
4% p.a. 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 dependent on a number of factors including future investment performance.

Policy Details
Policy Option NA Sum Assured at Maturity (Guaranteed Maturity Benefit): 762,486
Bonus Type Compound Sum Assured on Death (at inception of the policy): 1,000,000

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without Applicable Taxes Rs 100,000/- - Rs 100,000/-
Instalment Premium with first year Applicable Taxes Rs. 104,501/- - Rs. 104,501/-
Instalment Premium with Applicable Taxes 2nd year onwards Rs. 102,251/- - Rs. 102,251/-

Statement of various benefits over the duration of the policy with assumed gross interest rate as mentioned

Benefit summary
Benefits @ 4% Benefits @ 8%
Total Guaranteed Maturity Benefit (A)=(i)+(ii) 953,108 953,108

Guaranteed Maturity Benefit (i) 762,486 762,486

Guaranteed Additions (ii) 190,622 190,622

Estimated accumulated reversionary bonus 0 96,601

Estimated Terminal Bonus 94,907 193,193

Estimated Total Maturity Amount 1,048,015 1,242,902

(All charges are in Rupees)

Benefit Details
Guaranteed Benefits Non-guaranteed benefits @ Non-guaranteed benefits @ 8% Total Benefits including guaranteed and non-
4% guaranteed benefits
Maturity Benefit Death Benefit
Sur Surrender Death Maturity Re Ac Cas Surrender Rev. Bonus Acc. Rev. Ca Surrender Total Total Total Death Total Death
viv Benefit Benefit Benefit v. c. h Benefit Bonus sh Benefit Maturity Maturity Benefit @ Benefit @
Pol Single/A GA Acc. GA al Bo Re Bon Bo Benefit @ Benefit @ 4% 8%
. Yr nnualise Be nus v. us nus 4% 8% (7+10+Termi (7+14+Termi
d nefi Bo (8+10+Termi (8+14+Termi nal Bonus, if nal Bonus, if
Premium t nus nal Bonus, if nal Bonus, if any ) any)
any) any)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
1 100000 38,124 38,124 NA 0 1,038,124 0 0 0 NA 0 9,150 9,150 NA 0 0 0 1,038,124 1,047,274
2 100000 38,124 76,249 NA 80,200 1,076,249 0 0 0 NA 80,200 9,259 18,409 NA 86,360 0 0 1,076,249 1,094,658
3 100000 38,124 114,373 NA 135,872 1,114,373 0 0 0 NA 135,872 9,371 27,780 NA 146,509 0 0 1,114,373 1,142,153
4 100000 38,124 152,497 NA 281,925 1,152,497 0 0 0 NA 281,925 9,483 37,263 NA 298,261 0 0 1,152,497 1,189,761
5 100000 38,124 190,622 NA 365,859 1,190,622 0 0 0 NA 365,859 9,597 46,860 NA 389,387 0 0 1,190,622 1,237,482
6 100000 0 190,622 NA 448,312 1,190,622 0 0 0 NA 529,886 9,713 56,573 NA 572,894 0 0 1,190,622 1,247,194
7 100000 0 190,622 NA 535,765 1,190,622 0 0 0 NA 645,474 9,828 66,401 NA 712,397 0 0 1,190,622 1,257,023
8 100000 0 190,622 NA 628,218 1,190,622 0 0 0 NA 765,789 9,947 76,348 NA 862,342 0 0 1,190,622 1,266,969
9 100000 0 190,622 NA 847,171 1,190,622 0 0 0 NA 891,174 10,066 86,414 NA 1,023,747 0 0 1,190,622 1,277,035
10 100000 0 190,622 NA 938,124 1,190,622 953,108 0 0 NA 990,970 10,187 96,601 NA 1,166,704 1,048,015 1,242,902 1,190,622 1,299,396

Pol. Yr - Policy Year, GA - Guaranteed Additions, Acc. GA - Accumulated Guaranteed Additions, Rev. Bonus - Reversionary Bonus, Acc. Rev. Bonus -
Accumulated Reversionary Bonus
Notes: Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders,
if any, and Applicable taxes

Disclaimers
===========

1. ICICI Pru Savings Suraksha is a savings and protection oriented plan.

2. ICICI Pru Savings Suraksha is only the name of the policy and does not in any way indicate the quality of the policy,
its future prospects or returns.
3. The above illustration is applicable to a standard life (from medical, life style and occupation point of view).
4. The main objective of the illustration is that the policyholder is able to understand the features of the product and the
nature of benefits under different circumstances with some level of quantification.
5. Once reversionary bonus is declared in any year and added to the policy, the bonus so added is guaranteed.
6. The Guaranteed surrender benefit shown above reflects the guaranteed surrender value excluding the cash value of
accrued vested reversionary bonuses.
7. The policy will acquire a surrender value after payment of two full years' premium. The surrender value payable will be
Guaranteed Surrender Value plus cash value of accrued vested reversionary bonuses, if any, plus cash value of
accrued GAs, at the point of surrender or Non Guaranteed Surrender Value, whichever is higher.The displayed Non
Guaranteed Surrender Values are only indicative. These may change from time to time subject to approval from
IRDAI. The policyholder is advised to check the Non Guaranteed surrender value payable with the company before
surrendering.
8. The 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 surrender values will be lower than those illustrated above if
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.
9. Bonuses are indicative given gross returns of 4% and 8% and are at the discretion of the Company. Bonuses will vary
depending on the performance of the participating fund. They may also vary at a policy level and reflect your sum
assured, premium payment term, policy term and age.
10. For the purpose of illustrations, we have assumed 4% and 8% as the lower and the higher rates of investment returns
respectively, in the calculations. These are in accordance with the guidelines issued by IRDAI and in no way signify
our expectations of investment returns. The actual investment return may be higher or lower than the above rates.
11. The investment returns assumed should not be construed to be the range within which investment returns will fall.
12. The death benefit illustrated assume that the event occurs at the end of the policy year.
13. The loan amount available will be 80% of the surrender value.
14. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail.
15. The above information must be read in conjunction with the sales brochure and policy document.
16. As per the Finance Act 2012, all policies issued from April 1, 2012, with premium to sum assured ratio of less than
1:10 and where death benefit at any time is less than 10 times premium, will not be eligible for tax benefit under
section 10 (10D) of the Income Tax Act. Further tax benefit u/s 80C for such policy will be limited only up to 10% of
Sum Assured. Tax benefits under the policy are subject to conditions under Sec. 10 (10D) and Sec. 80C of the
Income Tax Act, 1961.
17. GST and Cesses, if any, shown above will be charged extra as per applicable rates. Tax laws are subject to
amendments from time to time.
18. For any further clarifications, policyholder can contact the advisor / FSC or e-mail us on lifeline@iciciprulife.com

I __________________________________, having received the information I _______________________________, have explained the

with respect to the above,have understood the above illustration before above illustration and the terms and conditions of this product to
entering into the contract. the Policyholder.

Policyholder's Signature :______________________________ Marketing official's Signature :______________________________

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