IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

Features of ICICI Pru1 Wealth

ICICI Pru1 Wealth is a plan which is designed to give you life cover and help you grow
your wealth over the long-term. This policy is unit linked which means that the benefits
you receive will depend on the performance of the fund(s) you have selected.
This document has been designed to help you understand your policy better by explain-
ing some of its key features.
The complete details of all the features is available in the Policy Document. Do go through
that document as well to get a complete understanding of your policy.

How does this plan work?

1 At the time of entering this policy, you would have made two important choices:
The premium amount that you will pay, i.e. One Time Premium amount
The number of years after which your policy matures i.e. Policy Term
Your premium will get invested in the funds of your choice. Your investment will grow
as per the returns earned by these funds. At the end of 10 years i.e. in Jul
Mar2031
2027 your
policy will mature and a lump sum amount which is equal to your fund value will be paid
out to you.

What is the premium that I have to pay and for how many
2 years?
You don t have to pay any more premiums, as you have already paid a one-time
201
8
premium of ` 1,00,000/-
10,000/-.

How will my money be invested in this policy?

3 Your money will be invested in the funds selected by you. This plan comes with a
suite of 7 funds. You can switch from one fund to another as many times as you want
without any charge. Over time, the fund value reflects the returns earned by the
fund(s) selected by you.
For details of the funds that you are currently invested in refer your Premium receipt.
 What are the benefits that I get from this policy?
4 (A) Partial Withdrawal Benefit: In case of any sudden requirement of money, you can
withdraw money from your fund value. This feature is called Partial Withdrawal. You can
make a partial withdrawal after 5 years. After Jul
Mar2026
2015, you can withdraw up to 20% of
`
`

your fund value. For further details refer Part D of your Policy document
(B) Wealth Boosters: At the end of your policy term, extra units worth 2.75% of the premium
`
amount and Top up amount, minus partial withdrawal amount (if applicable), will be added
to your policy fund value.
`
(C) Maturity Benefit: At the end of your policy term, i.e. in Jul
Mar2031
2018, you will receive a lump `
sum amount equal to your policy fund value.
(D) Life Insurance Benefit: In this policy, if the person insured dies during the policy
term, we will pay the person specified in your policy (the nominee) a lump-sum.
The amount paid will be the maximum of the 3 following:
Your Sum Assured which is ` 1,25,000/-
1,00,000/-
Fund Value at the time of death
105% of the premium amount paid inclusive of Top up if any
The nominee or any other family member
Girish Kumarcan
Raoinitiate the process of receiving this amount by
visiting the claims section of our website, www.iciciprulife.com

What charges do I have to pay for this policy?

5 This policy has only 2 charges:

Fund Management Charge (FMC): This is a percentage of your Fund Value. FMC for
RGE
S
Money Market Fund is 0.75% p.a. For the remaining 6 funds that you can choose CHA
from in this policy, the FMC is 1.35% p.a.
Mortality Charge: This is the cost of your life insurance cover. This will vary depend-
ing on your age, fund value and your life insurance cover.
`

`
What happens if I decide to close my policy before the `

6 end of the policy term?

It is in your best interest that you stay invested in your policy till the end of your
policy term, i.e Jul
Mar2031
2021.
If you want to close your policy after completion of 5 years, your fund value will be paid out to you
and your policy will be closed.
If you want to close your policy before completion of 5 years, your fund value after deduction of
discontinuance charges will be transferred to discontinuance fund. For complete details, please
refer to Part D Point 9 of your Policy Document.

“The values appearing in this feature document are based on the information provided and the type of cover sought by you in the duly filed
proposal form. It is pertinent to note that any change affected by you in the details provided in the proposal form may lead to a change in the
benefits or premium payable under this policy.” COMP/DOC/Jul/2020/107/3944

ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN: L66010MH2000PLC127837.
Unit linked insurance products are subject to market risk, which affect the Net Asset Values & 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.
Registered Address: 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Reg No: 105. Tax laws are subject to amendments from time to time.
Please refer your policy document for more details of this policy. UIN: 105L175V02. COMP/DOC/Jul/2018/97/1397.
 Benefit Illustration for ICICI Pru1 Wealth
This shall form a part of the policy document
Proposal No : OS17215982
Name of the Policyholder : Ms. SURIYAKALA P Name of the Product : ICICI Pru1 Wealth
Tag Line : Unit Linked Life Individual
Product
Age of Policyholder : 12-Jun-1960 (61 Years) Gender of the Policyholder : FEMALE
Name of the Life Assured : Mr. GOPINATH P Unique Identification No. : 105L175V02
Age of Life Assured : 02-Jun-1984 (37 Years) Applicable tax Rate : 18%
Gender of the Life Assured : MALE
Sum Assured : Rs 125,000/- Portfolio Strategy : Fixed
Policy Term : 10 Years Funds opted for : Maximiser Fund V: 60%
: Multi Cap Growth Fund: 40%
Premium Payment Term : One Pay Risk Level : High
Amount of Base Instalment : Rs 100,000/- Sales Channel : Agency
Premium
Premium Payment Option : Single pay Annualised Base Premium : Rs 100,000/-

How to read and understand this benefit illustration?

This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges and taxes, may
grow over the years of the policy term if the fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% p.a. and 4% p.a. are assumed
only for the purpose of illustrating the flow of benefits if the returns are at this level. It should not be interpreted that the returns under the plan are
going to be either 8% p.a. or 4% p.a.
Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges,
underwriting extra, if any, guarantee charges and cost of rider, if deducted by cancellation of units. It demonstrates the impact of charges exclusive
of taxes on the net yield. Please note that the mortality charges per thousand sum assured in general, increases with age.

The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of
riders etc. The investment risk in this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales
literature carefully.
Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death
benefit, at two assumed rates of return. Part B of this statement presents a detailed break-up of the charges, and other values.

Part A

(Amount in Rupees.)
At 4% p.a. Gross Investment Return At 8% p.a. Gross Investment Return
Poli Annualized Mortality Other Applicable Fund at Surrender Death Mortality Other Applicable Fund at End Surrender Death Benefit Commissi
cy Premium Charge Charges* Taxes End of Value Benefit Charge Charges* Tax of Year Value on
Year Year payable to
intermedia
ry (Rs.)
1 100,000 18 1,368 249 102,335 0 125,000 17 1,397 254 106,273 0 125,000 1,000
2 0 17 1,400 255 104,725 0 125,000 13 1,484 269 112,945 0 125,000 0
3 0 17 1,433 261 107,173 0 125,000 8 1,577 285 120,043 0 125,000 0
4 0 17 1,466 267 109,678 0 125,000 2 1,677 302 127,595 0 127,595 0
5 0 15 1,501 273 112,244 112,244 125,000 0 1,782 321 135,625 135,625 135,625 0
6 0 14 1,536 279 114,873 114,873 125,000 0 1,894 341 144,160 144,160 144,160 0
7 0 12 1,572 285 117,565 117,565 125,000 0 2,013 362 153,232 153,232 153,232 0
8 0 9 1,608 291 120,325 120,325 125,000 0 2,140 385 162,874 162,874 162,874 0
9 0 5 1,646 297 123,154 123,154 125,000 0 2,275 409 173,124 173,124 173,124 0
10 0 1 1,685 303 128,805 128,805 128,805 0 2,418 435 186,769 186,769 186,769 0

*Includes Premium Allocation Charge, Policy Administration Charge, Fund Management Charge and Rider Charges, if any. See Part B for details.

I, __________________________________, have explained the I, ______________________________, having received the

premiums,charges and benefits under the policy fully to the information with respect to the above, have understood the
prospect / policyholder. above statement before entering into the contract.
Place: Place:
Date: Signature of Agent / Intermediary / Official Date: Signature of Prospect / Policyholder

Part B
 (Amount in Rupees.) Gross Yield 8% p.a. Net Yield 6.71 %
Policy Annualised Premium Annualized Mortality Policy Applicabl Rider Fund FMC Wealth Fund at Surrender Death
Year Premium(AP) Allocation premium - Charge Admin e Taxes Charges4 before FMC Booster5 End of Value7 and 8 Benefit7
2 Charge(PAC Premium Charge Year6
)3 Allocation
charge
1 100,000 0 100,000 17 0 254 0 107,921 1,397 0 106,273 0 125,000
2 0 0 0 13 0 269 0 114,696 1,484 0 112,945 0 125,000
3 0 0 0 8 0 285 0 121,905 1,577 0 120,043 0 125,000
4 0 0 0 2 0 302 0 129,574 1,677 0 127,595 0 127,595
5 0 0 0 0 0 321 0 137,728 1,782 0 135,625 135,625 135,625
6 0 0 0 0 0 341 0 146,395 1,894 0 144,160 144,160 144,160
7 0 0 0 0 0 362 0 155,607 2,013 0 153,232 153,232 153,232
8 0 0 0 0 0 385 0 165,400 2,140 0 162,874 162,874 162,874
9 0 0 0 0 0 409 0 175,808 2,275 0 173,124 173,124 173,124
10 0 0 0 0 0 435 0 186,872 2,418 2,750 186,769 186,769 186,769

(Amount in Rupees.) Gross Yield 4% p.a.

Policy Annualised Premium Annualized Mortality Policy Applicabl Rider Fund FMC Wealth Fund at Surrender Death
Year Premium(AP) Allocation premium - Charge Admin e Taxes Charges4 before FMC Booster5 End of Value7 and 8 Benefit7
2 Charge(PAC Premium Charge Year6
)3 Allocation
charge
1 100,000 0 100,000 18 0 249 0 103,949 1,368 0 102,335 0 125,000
2 0 0 0 17 0 255 0 106,377 1,400 0 104,725 0 125,000
3 0 0 0 17 0 261 0 108,864 1,433 0 107,173 0 125,000
4 0 0 0 17 0 267 0 111,408 1,466 0 109,678 0 125,000
5 0 0 0 15 0 273 0 114,015 1,501 0 112,244 112,244 125,000
6 0 0 0 14 0 279 0 116,685 1,536 0 114,873 114,873 125,000
7 0 0 0 12 0 285 0 119,420 1,572 0 117,565 117,565 125,000
8 0 0 0 9 0 291 0 122,223 1,608 0 120,325 120,325 125,000
9 0 0 0 5 0 297 0 125,097 1,646 0 123,154 123,154 125,000
10 0 0 0 1 0 303 0 128,043 1,685 2,750 128,805 128,805 128,805

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR
ILLUSTRATION PURPOSE.
ICICI Pru1 Wealth is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or returns.
Multi Cap Growth Fund(ULIF 085 24/11/09 LMCapGro 105), Multi Cap Balanced Fund(ULIF 088 24/11/09 LMCapBal 105), Income Fund(ULIF 089
24/11/09 LIncome 105), Money Market Fund(ULIF 090 24/11/09 LMoneyMkt 105), Maximiser V(ULIF 114 15/03/11 LMaximis5 105, Value Enhancer
Fund (ULIF 139 24/11/17 VEF 105) and Secure Opportunitites Fund (ULIF 140 24/11/17 SOF 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)
3. Includes allocation charge on Top-up premium (if any)

4. Includes rider charges (if any)

5. Allocated at the end of policy term and will be a percentage of the Single Premium. Wealth Booster will be made by allocation of

units.
6. Includes Top-up Fund Value (if any)

7. The Death Benefit and Surrender Values illustrated assume that the event occurs at the end of the policy year.

8. i.If a policy is surrendered during the first five policy years, the Fund Value including Top-up Fund Value, if any, after deduction of

Discontinuance Charge, shall be transferred to Discontinued Policy Fund (DP Fund) and the risk cover shall cease. The nominee or
the Policyholder, as the case may be, will be entitled to the DP Fund Value on the earlier of death and expiry of the lock-in period.
ii. On surrender of the policy after the completion of five policy years, the Policyholder is entitled to the Fund Value including Top-up
Fund Value, if any.
9. Includes commissions for Top-ups (if any).

Disclaimers

1. For the purpose of illustrations, we have used 4% and 8% as the lower and the higher rates of investment returns
respectively, in the calculations. These returns 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.
2. The net yield has been calculated after applying all the charges (except Goods and Services tax and applicable cesses,
mortality charges and rider charges).
3. This document is for illustration purposes only.
 4. 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.
5. 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.
6. Wealth Booster and Fund at End are as at the end of the applicable policy year. No Wealth Booster will be allocated if the
policy is discontinued by any means during the year.
7. 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.
8. The funds do not offer a guaranteed or assured return.
9. Past performance of any plan/ fund of the Company is not necessarily indicative of the future performance of any of the
plans.
10. The above information must be read in conjunction with the sales brochure and policy document.
11. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail.
12 For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a
purchase.
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. Commission/ Brokerage, as mentioned in the table above, reflects a fixed percentage payable to the agent/broker. This
percentage may vary depending on various performance parameters. Commision/brokerage is not a seperate charge in
the policy & this will not impact your illustrated benefits in any way.
16. Tax benefits under the policy are subject to conditions under Section 80C and 10(10D) of the Income Tax Act, 1961. Tax
will be deducted at source on payouts made under all taxable policies subject to conditions as per Section 194DA
(applicable on polices issued to resident Indian) or 195 (applicable for policies issued to Non-resident) of Income Tax Act,
1961, Goods and Services tax and applicable cesses will be charged extra as per prevailing rates. Tax laws are subject to
amendments from time to time.
17. For any further clarifications, please feel free to contact your advisor or FSC or e-mail us on [email protected].

I, __________________________________, have explained the I, ______________________________, having received the

premiums,charges and benefits under the policy fully to the information with respect to the above, have understood the
prospect / policyholder. above statement before entering into the contract.
Place: Place:
Date: Signature of Agent / Intermediary / Official Date: Signature of Prospect / Policyholder

ICICI Prudential Life Insurance Company Limited.

1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025
Email: [email protected]
www.iciciprulife.com