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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 Mar


Feb 2034
20xx till Mar
Feb 2063
20yy a yearly
, you will receiveyearly guaranteed income of `

` 30,830/-
<1,00,000/->.

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


Feb 2063
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 ` 3,50,000/- *.
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 Mar
Feb 2063
2031 , along with the last income installment you will also receive
110% of the premiums paid by you which is equal to ` 3,85,000/-
<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 ` 35,000/-
1,00,000/- six
every year
months 10 for 10 years, <Jun
up to Mar 2031
2030>.

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


It is in your best interest that you pay premiums till Mar
Jun 2031
2030 and stay invested
Jun Mar 2063
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. UIN105N185V03. COMP/DOC/Oct/2021/1910/6769
Benefit Illustration of ICICI Pru Guaranteed Income For
Tomorrow (Long-term)

Proposal No : OS18838529
Name of the Policyholder : Mrs. SHILPI Name of the Product : ICICI Pru Guaranteed Income
For Tomorrow (Long-term)
Age of the Policyholder at policy : 13-Sep-1995 (26 years) Tag Line : A Non-Linked Non-Participating
inception Individual Life Insurance
Savings Plan
Gender of the Policyholder : FEMALE
Name of the Life Assured : Mrs. SHILPI Unique Identification No. : 105N185V03
Age of the Life Assured at policy : 13-Sep-1995 (26 years) Applicable Tax for Year 1 : 4.5%
inception
Gender of the Life Assured : FEMALE Applicable Tax For Year 2 Onwards : 2.25%
Policy Term : 41 years Sales Channel : Corporate Agent
Premium Payment Term : 10 years
Amount of Instalment Premium (Without : Rs. 35,000/-
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. 30,830
selected by You)
Sum Assured on Death (at Rs. 350,000 Frequency of Guaranteed Income: Yearly
inception of the Policy) :
Guaranteed Income payable in a year : Rs. 30,830
Income Period : 30 years
Benefit payable on maturity (110% Return of Premium) : Rs. 385,000

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST and Cesses, if any Rs. 35,000/- - Rs. 35,000/-
Instalment Premium with First Year GST and Cesses, if any Rs. 36,576/- - Rs. 36,576/-
Instalment Premium with GST and Cesses, if any 2nd Year Onwards Rs. 35,789/- - Rs. 35,789/-

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 35,000 0 0 350,000 0 0 0
2 35,000 0 0 350,000 21,000 21,000 21,000
3 35,000 0 0 350,000 36,750 36,750 36,750
4 35,000 0 0 350,000 70,000 61,671 70,000
5 35,000 0 0 350,000 87,500 84,996 87,500
6 35,000 0 0 350,000 105,000 112,461 112,461
7 35,000 0 0 350,000 122,500 144,633 144,633
8 35,000 0 0 350,000 140,000 182,234 182,234
9 35,000 0 0 350,000 157,500 226,032 226,032
10 35,000 0 0 367,500 192,500 276,921 276,921
11 0 0 0 367,500 192,500 305,276 305,276
12 0 30,830 0 367,500 192,500 336,574 336,574
13 0 30,830 0 367,500 161,670 337,100 337,100
14 0 30,830 0 367,500 148,340 337,637 337,637
15 0 30,830 0 367,500 117,510 338,273 338,273
16 0 30,830 0 367,500 86,680 338,952 338,952
17 0 30,830 0 367,500 55,850 339,691 339,691
18 0 30,830 0 367,500 42,520 340,539 340,539
19 0 30,830 0 367,500 11,690 341,468 341,468
20 0 30,830 0 367,500 0 342,445 342,445
21 0 30,830 0 367,500 0 343,556 343,556
22 0 30,830 0 367,500 0 344,796 344,796
23 0 30,830 0 367,500 0 346,167 346,167
24 0 30,830 0 367,500 0 347,660 347,660
25 0 30,830 0 367,500 0 349,298 349,298
26 0 30,830 0 367,500 0 351,107 351,107
27 0 30,830 0 367,500 0 353,097 353,097
28 0 30,830 0 367,500 0 355,281 355,281
29 0 30,830 0 367,500 0 357,735 357,735
30 0 30,830 0 367,500 0 360,382 360,382
31 0 30,830 0 367,500 0 363,355 363,355
32 0 30,830 0 367,500 0 366,596 366,596
33 0 30,830 0 370,187 0 370,187 370,187
34 0 30,830 0 374,159 0 374,159 374,159
35 0 30,830 0 378,492 0 378,492 378,492
36 0 30,830 0 383,309 0 383,309 383,309
37 0 30,830 0 388,599 0 388,599 388,599
38 0 30,830 0 394,449 0 394,449 394,449
39 0 30,830 0 400,896 0 400,896 400,896
40 0 30,830 0 407,988 0 407,988 407,988
41 0 30,830 385,000 415,830 0 415,830 415,830

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: lifeline@iciciprulife.com
www.iciciprulife.com

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