Personalised proposal for securing

your guaranteed income needs

with

Hi MRIDULA ROY,
Congratulations on taking the first step towards
meeting your guaranteed income and protection needs.

Please go through your personalised ICICI Pru GIFT Pro

proposal and reach out to your financial planner in
case you need any further details.
 Snapshot of your plan

Details of the Life Assured (person covered under the policy):

Name Age Gender

MRIDULA ROY 36 Male

You pay You get

Yearly premium of Guaranteed Income for

` 1,60,000/- for 7 years 30 years + MoneyBack benefit

Aug 18, 2023 Aug 18, 2029 Aug 18, 2032 Aug 18, 2061

Year

Benefits in detail:

Guaranteed
income of ` 99,344/- MoneyBack Benefit of Life Insurance Cover of
every year for 30 years ` 11,20,000/- ` 17,10,400/- * for
starting from Aug 18, 2032 on Aug 18, 2061 8 years i.e. till Aug 18, 2031
to Aug 18, 2061

*This is the minimum life insurance cover available under the product

In this product, your benefits are assured for the entire income period, i.e., even in case
of death of the life assured during the income period, the nominee will continue to receive the Benefits.

Total Guaranteed Benefits (Total Guaranteed Income + MoneyBack Benefit) ` 41,00,320/-

Do you know?

You have the option to take all your future benefits in the form of a lump sum at the end of your policy
term which is on Aug 18, 2031 or any time during the Income Period, at a discounted rate.
For example, If you choose to do so at the end of the policy term, you will receive an amount which
will be called Maturity Sum assured. This amount will be ` 12,29,723/-
 Premium details Payment term Premium Amount

Premium to be paid every year 7 years ` 1,60,000/-

Detailed break-up of premium amount

Yearly Total
Applicable
Yearly
Premium taxes premium

Yearly Premium
during 1st year ` 1,60,000/- ` 7,201/- ` 1,67,201/-

Yearly Premium 1,60,000/- 3,601/- 1,63,601/-

` ` `
from 2 year onwards
nd

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
Tax benefits may be applicable on
premiums paid & benefits received

Please note: The 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 Schedule attached in your welcome kit.
Tax benefits as per prevailing tax laws.

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.. For more details on the risk factors, terms & conditions, please read the policy document.
ICICI Pru GIFT Pro, UIN: 105N201V02. COMP/DOC/Aug/2023/28/3675
 This document is designed to help you understand
who receives the benefits under the policy

Let us understand few terminologies used throughout the document:

Proposer Life Assured Nominee

This is the person who is This is the person whose This is the person
the owner of the policy life is covered under this nominated by the Proposer
and pays premiums insurance policy, to receive benefits in case
under the policy, i.e., MRIDULA ROY . of unfortunate demise of
i.e., MRIDULA ROY . the Life Assured.

To whom benefits are payable

Ø Under this policy, MRIDULA ROY is the Proposer and also the Life Assured.
Ø Hence, all benefits upon maturity under the product will be paid to MRIDULA ROY

Ø In case of unfortunate demise of the Life Assured during the term of the policy, a
lump sum death benefit will be paid to the nominee and the policy will terminate. It is
important you register your nominee with the Company if you have not done so.
Ø In case of unfortunate demise of the Life Assured during the Income Period, the
nominee will continue to receive future benefits under the policy.
In case the policy has been assigned by the Proposer to another person
Ø
(assignee) then the benefits will be paid to the assignee instead of MRIDULA ROY .

For more details, please refer to the terms and conditions which will be provided to you in your welcome kit.

© ICICI Prudential Life Insurance Co. Ltd. All rights reserved. Registered with Insurance Regulatory & Development Authority of India (IRDAI) as Life Insurance
Company. Regn. No. 105. CIN: L66010MH2000PLC127837. Reg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.:
40391600. Customer helpline number - 1860 266 7766. Timings – 10:00 A.M. to 7:00 P.M., Monday to Saturday (except national holidays). Member of the Life
Insurance Council. For more details on the risk factors, term and conditions please read the product brochure carefully before concluding the sale. Trade Logo displayed
above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license. COMP/DOC/Jul/2023/197/3548.

BEWARE OF SUSPICIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.
Public receiving such phone calls are requested to lodge a police complaint.
 Benefit Illustration of ICICI Pru GIFT Pro

Name of the Policyholder : Mr. MRIDULA ROY Name of the Product : ICICI Pru GIFT Pro
Age of the Policyholder at policy : 06-Sep-1986 (36 years) Tag Line : A Non-Linked Non-Participating
inception Individual Savings Life
Insurance Plan
Gender of the Policyholder : MALE
Name of the Life Assured : Mr. MRIDULA ROY Unique Identification No. : 105N201V02
Age of the Life Assured at policy : 06-Sep-1986 (36 years) GST Rate for Year 1 : 4.50%
inception
Gender of the Life Assured : MALE GST Rate For Year 2 Onwards : 2.25%
Policy Term : 8 years Sales Channel : Proprietary
Premium Payment Term : 7 years
Annualized Premium : Rs. 160,000/-
Frequency of premium payment : Yearly

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

Policy Details
Option of Low Cover Income Booster chosen : No
Sum Assured on Death (at inception of the policy) : Rs. 1,710,400
Guaranteed Income option chosen by you (Level Guaranteed Income or Increasing Level Guaranteed Income
Guaranteed Income) :
Option of Save the Date selected (Yes/No) : No
MoneyBack Benefit percentage chosen by you : 100%
Year of MoneyBack Benefit chosen by you : At the end of 38 years

Summary of Benefits payable

Guaranteed Income as per frequency chosen by you : Rs. 99,344
Frequency of Guaranteed Income : Annual
Guaranteed Income payable in a year : Rs. 99,344
Income Period : 30 years
MoneyBack Benefit : Rs. 1,120,000

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST and Cesses, if any Rs. 160,000/- - Rs. 160,000/-
Instalment Premium with first year GST and Cesses, if any Rs. 167,201/- - Rs. 167,201/-
Instalment Premium with GST and Cesses, if any 2nd year onwards Rs. 163,601/- - Rs. 163,601/-

Policy Annualized Guaranteed Benefits Non-Guaranteed Benefits

year premium
Guaranteed MoneyBack Benefit Maturity Benefit Death Benefit Min. Guaranteed Special Surrender Value Surrender Value
Income (A) (B) (A+B) Surrender Value (C) (D) Payable (Higher of C
and D)
1 160,000 0 0 0 1,710,400 0 0 0
2 160,000 0 0 0 1,710,400 96,000 195,631 195,631
3 160,000 0 0 0 1,710,400 168,000 323,540 323,540
4 160,000 0 0 0 1,710,400 320,000 475,657 475,657
5 160,000 0 0 0 1,710,400 400,000 655,530 655,530
6 160,000 0 0 0 1,710,400 480,000 867,166 867,166
7 160,000 0 0 0 1,710,400 1,008,000 1,115,359 1,115,359
8 0 0 0 0 1,710,400 1,008,000 1,229,723 1,229,723
9 0 99,344 0 99,344 0 0 0 0
10 0 99,344 0 99,344 0 0 0 0
11 0 99,344 0 99,344 0 0 0 0
12 0 99,344 0 99,344 0 0 0 0
13 0 99,344 0 99,344 0 0 0 0
14 0 99,344 0 99,344 0 0 0 0
15 0 99,344 0 99,344 0 0 0 0
16 0 99,344 0 99,344 0 0 0 0
17 0 99,344 0 99,344 0 0 0 0
18 0 99,344 0 99,344 0 0 0 0
19 0 99,344 0 99,344 0 0 0 0
20 0 99,344 0 99,344 0 0 0 0
21 0 99,344 0 99,344 0 0 0 0
22 0 99,344 0 99,344 0 0 0 0
23 0 99,344 0 99,344 0 0 0 0
24 0 99,344 0 99,344 0 0 0 0
25 0 99,344 0 99,344 0 0 0 0
 26 0 99,344 0 99,344 0 0 0 0
27 0 99,344 0 99,344 0 0 0 0
28 0 99,344 0 99,344 0 0 0 0
29 0 99,344 0 99,344 0 0 0 0
30 0 99,344 0 99,344 0 0 0 0
31 0 99,344 0 99,344 0 0 0 0
32 0 99,344 0 99,344 0 0 0 0
33 0 99,344 0 99,344 0 0 0 0
34 0 99,344 0 99,344 0 0 0 0
35 0 99,344 0 99,344 0 0 0 0
36 0 99,344 0 99,344 0 0 0 0
37 0 99,344 0 99,344 0 0 0 0
38 0 99,344 1,120,000 1,219,344 0 0 0 0

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

Note:
1. In case of death of the Life Assured during Income Period, the Claimant shall continue to receive the benefits as and when due.
2. The Claimant shall also have an option to receive future benefits as a lump sum benefit which will be the present value of future payouts. Please
refer the policy document for more details.The Guaranteed Income, MoneyBack Benefit, surrender values and Death Benefit mentioned above are
illustrated assuming that the event occurs at the end of the year.
3. Please refer to your sales brochure and policy document for more details.

Important points to note:

Example To understand When Do benefits 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 mentioned above are illustrated 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