Features of ICICI Pru Guaranteed Income For Tomorrow

(Long-term)
ICICI Pru Guaranteed Income For Tomorrow (Long-term) is designed to give you
guaranteed benefits and help you achieve your life goals. It also provides financial
protection to your family in case of your unfortunate demise. Read on to know
more about the benefits of this policy.

What are the benefits of this policy?

1. Guaranteed Income: From Dec

Feb 2033
20xx till Dec
Feb 2057
20yy a yearly
, you will receiveyearly guaranteed income of `

` 88,861/-
<1,00,000/->.

2. Life Insurance Benefit: Your policy term is till Dec

Feb 2057
20XX . If the person whose life is covered by this
policy (known as the Life Assured) passes away during the policy term, a lump sum amount will be
10,00,000/-
paid to the person specified in your policy (nominee). This amount will be ` 10,00,000/- *.
The nominee or any family member can initiate the process of receiving this amount by visiting
www.iciciprulife.com/claims.
*This is the minimum amount payable. Please refer to the Benefit Illustration for Life Insurance Benefit during the policy term.
3. 110% Return of Premium: In Dec
Feb 2057
2031 , along with the last income installment you will also receive
110% of the premiums paid by you which is equal to ` 11,00,000/-
<11,00,000/->.

4. Tax Benefit: You can avail tax benefits on the premiums you pay towards this plan and the benefits `
you receive, as per the prevailing conditions and provisions of the Income Tax Act, 1961. Tax laws are
subject to amendments made thereto from time to time.

What is the premium you need to pay in your policy?

You have to pay premium of ` 1,00,000/-
1,00,000/- six
every year
months 10 for 10 years, <Jun
up to Dec 2030
2030>.

What do you need to do to enjoy complete policy benefits?

It is in your best interest that you pay premiums till Dec
Jun 2030
2030 and stay invested
Jun Dec 2057
till2032 `
`
in this policy so that you enjoy all the benefits of this policy.
If you stop paying premiums after paying for at least two full years, your policy will continue with
reduced benefits.
If you stop paying premiums in the first two years, no benefits will be payable.

Please note: The Guaranteed Income mentioned here is an indicative amount based on the date on which you applied for
this policy. The exact income will be as per the date of issuance of your policy and is specified in the Policy Certificate
attached in your welcome kit.
IRDAI Reg No: 105. CIN: L66010MH2000PLC127837. ICICI Prudential Life Insurance Co. Ltd. Registered Address: 1089, Appasaheb Marathe Marg, Prabhadevi,
Mumbai-400025. UIN105N185V01. COMP/DOC/Oct/2021/1910/6769
 Benefit Illustration of ICICI Pru Guaranteed Income For Date: 26-Dec-2021 14:00:53
Tomorrow (Long-term)

Name of the Policyholder : Mr. Name of the Product : ICICI Pru Guaranteed Income
For Tomorrow (Long-term)
Age of the Policyholder at policy : 01-Feb-1981 (40 years) Tag Line : A Non-Linked Non-Participating
inception Individual Life Insurance
Savings Plan
Gender of the Policyholder : MALE
Name of the Life Assured : Mr. Unique Identification No. : 105N185V01
Age of the Life Assured at policy : 01-Feb-1981 (40 years) Applicable Tax for Year 1 : 4.5%
inception
Gender of the Life Assured : MALE Applicable Tax For Year 2 Onwards : 2.25%
Policy Term : 36 years Sales Channel : BOL
Premium Payment Term : 10 years
Amount of Instalment Premium (Without : Rs. 100,000/-
GST and cesses if any)
Frequency of premium payment : Yearly

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy.

Policy Details
Policy Option (Plan Option Income with 110% ROP Guaranteed Income as per frequency chosen by you : Rs. 88,861
selected by You)
Sum Assured on Death (at Rs. 1,000,000 Frequency of Guaranteed Income: Yearly
inception of the Policy) :
Guaranteed Income payable in a year : Rs. 88,861
Income Period : 25 years
Benefit payable on maturity (110% Return of Premium) : Rs. 1,100,000

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST and Cesses, if any Rs. 100,000/- - Rs. 100,000/-
Instalment Premium with First Year GST and Cesses, if any Rs. 104,501/- - Rs. 104,501/-
Instalment Premium with GST and Cesses, if any 2nd Year Onwards Rs. 102,251/- - Rs. 102,251/-

Policy year Annualized premium Guaranteed Benefits Non-Guaranteed Benefit Surrender Value Payable
(Higher of A and B)
Survival Benefit (Guaranteed Maturity Benefit Death Benefit(Life Min. Guaranteed Special Surrender Value
Income) Insurance Benefit) Surrender Value (A) (B)
1 100,000 0 0 1,000,000 0 0 0
2 100,000 0 0 1,000,000 60,000 60,000 60,000
3 100,000 0 0 1,000,000 105,000 105,000 105,000
4 100,000 0 0 1,000,000 200,000 179,232 200,000
5 100,000 0 0 1,000,000 250,000 247,052 250,000
6 100,000 0 0 1,000,000 300,000 326,797 326,797
7 100,000 0 0 1,000,000 350,000 420,357 420,357
8 100,000 0 0 1,000,000 400,000 529,694 529,694
9 100,000 0 0 1,000,000 495,000 656,911 656,911
10 100,000 0 0 1,050,000 550,000 804,776 804,776
11 0 0 0 1,050,000 550,000 887,254 887,254
12 0 88,861 0 1,050,000 550,000 978,156 978,156
13 0 88,861 0 1,050,000 511,139 980,507 980,507
14 0 88,861 0 1,050,000 422,278 983,077 983,077
15 0 88,861 0 1,050,000 333,417 985,780 985,780
16 0 88,861 0 1,050,000 294,556 988,854 988,854
17 0 88,861 0 1,050,000 205,695 992,287 992,287
18 0 88,861 0 1,050,000 116,834 996,081 996,081
19 0 88,861 0 1,050,000 27,973 1,000,214 1,000,214
20 0 88,861 0 1,050,000 0 1,004,745 1,004,745
21 0 88,861 0 1,050,000 0 1,009,752 1,009,752
22 0 88,861 0 1,050,000 0 1,015,259 1,015,259
23 0 88,861 0 1,050,000 0 1,021,301 1,021,301
24 0 88,861 0 1,050,000 0 1,028,094 1,028,094
25 0 88,861 0 1,050,000 0 1,035,417 1,035,417
26 0 88,861 0 1,050,000 0 1,043,646 1,043,646
27 0 88,861 0 1,052,614 0 1,052,614 1,052,614
28 0 88,861 0 1,062,552 0 1,062,552 1,062,552
29 0 88,861 0 1,073,545 0 1,073,545 1,073,545
30 0 88,861 0 1,085,532 0 1,085,532 1,085,532
31 0 88,861 0 1,098,864 0 1,098,864 1,098,864
32 0 88,861 0 1,113,502 0 1,113,502 1,113,502
 33 0 88,861 0 1,129,692 0 1,129,692 1,129,692
34 0 88,861 0 1,147,534 0 1,147,534 1,147,534
35 0 88,861 0 1,167,158 0 1,167,158 1,167,158
36 0 88,861 1,100,000 1,188,861 0 1,188,861 1,188,861

Note: Annualised Premium excludes underwriting extra premium, the premiums paid towards the riders, if any, Goods and Service Tax and Cesses, if
any.

Important points to note:

Example to understand when does Guaranteed Income become payable (if Save the Date is not chosen):
If your last annual premium is paid on Jan 15, 2031 then Guaranteed Income will start from
• For Annual mode: Jan 15, 2034 • For Monthly mode: Feb 15, 2033
The surrender values and Death Benefit (Life Insurance Benefit) mentioned above are illustarted assuming that the event occurs at the end of the year.
Please refer to your sales brochure and policy document for more details.

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

the premiums, 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