This advertisement is designed for combination of benefits of two or more

individual and separate products named (1) ICICI Pru Savings Suraksha, (2)
ICICI Pru iCare II and (3) ICICI Pru Immediate Annuity. The customer has the
choice of purchasing any one or more products as per his/her need and
choice and there is no compulsion whatsoever that these products are to be
taken together as suggested by the Insurer and presented in this
advertisement. The customer is expected to ask questions, understand and
satisfy himself that this combination meets his/her specific needs better
before deciding to purchase this combination. This benefit illustration is the
arithmetic combination and chronological listing of combined benefits of
individual products. The customer is advised to refer to the detailed sales
brochure of the individual products mentioned herein.

Guaranteed maturity benefit on your investment

Regular income Security for your family
 Presenting ICICI Prudential Family Income Solution -
Conservative, a combination of ICICI Pru Savings
Suraksha (a non-linked insurance plan; UIN:
105N135V01), ICICI Pru iCare II (a non-linked term
insurance plan; UIN: 105N140V01) and ICICI Pru
Immediate Annuity (a non-linked insurance plan; UIN:
105N009V06). This solution protects your hard earned
money as well as takes care of your family’s security.

Your need Our solution

Retire early,
Retire happy Build a retirement corpus with a
Guaranteed Maturity Benefit (GMB)
and Guaranteed Additionsconditions apply*
Regular income
after retirement,
Option to have lifelong income for you
for whole of life
and your spouse. Once the income starts,
the amount is guaranteedconditions apply# for life!

Leave a
legacy for Option to have your entire corpus
your children returned to your children, after the
death of you and your spouse
Family to be
financially secure
even if you are In the unfortunate event of your death,
not around option to receive a lifelong income or a
lump-sum, depending on your nominee

* Guaranteed benefits are payable only if you pay all premiums as per the premium payment
term chosen by you and the policy remains in-force till the date of maturity. GMB is the
guaranteed amount payable on maturity of ICICI Pru Savings Suraksha, as set out in the
individual benefit illustration of the product.
# Guaranteed lifelong income will be provided if you opt to purchase an immediate annuity
plan at the end of the 10th policy year.
In this solution, you purchase an ICICI Pru Savings Suraksha and an ICICI Pru iCare II option
II at inception. You have the option to purchase an immediate annuity plan on maturity of this
policy. Currently, we are offering ICICI Pru Immediate Annuity.
 Assuming you pay:

Consolidated
Year
Year 1
2 to 10 premiums
payable
(inclusive of
service tax)
` 2,50,000
` 2,46,474 p.a.

The premium amounts shown here are inclusive of service tax and education cess,
as per the prevalent rates. Tax laws are subject to change from time to time.

What you get on survival

till the end of the policy term:

At the end of the 10th year, you can use the Maturity Benefit
of ICICI Pru Savings Suraksha to purchase an ICICI Pru
Immediate Annuity policy and choose “Joint Life Last
Survivor with Return of Purchase Price” annuity option. The
benefits of choosing this option are:
Lifetime Income: You will receive a regular income as long as
you are alive. After you, your spouse will continue receiving the
same regular income as long as she will be alive.

Legacy: The purchase price of ICICI Pru Immediate Annuity

(legacy amount) will be returned to your nominee, after the
death of you or your spouse, whichever is later.

Please refer to the illustration below

for more details:

Details of projected benefits

8% Assumed rate of return 4%

Amount used to purchase
` 27,87,507 IA* (Maturity benefit of ` 23,53,760
ICICI Pru Savings Suraksha)

Lifetime income for you

` 2,09,099 ` 1,76,563
and your spouse

Lump sum to be paid to

` 27,87,507 ` 23,53,760
your nominee

The above illustration is for a 40 year old healthy male

 Age: 40 years

Pay ` 2,50,000 for the

first year and
` 2,46,474 p.a from the
2nd to the 10th year.

50 years

Income of
` 2,09,099 p.a.
for you and spouse

Income of
Death of Policyholder ` 2,09,099 p.a.
for your spouse

Nominee gets lump

Death of spouse
sum of ` 27,87,507

Total premiums payable is ` 24,68,266 and

total benefits receivable is ` 90,60,477^

* IA stands for ICICI Pru Immediate Annuity

This illustration assumes that you choose to use the Maturity Benefit of ICICI Pru Savings
Suraksha to purchase ICICI Pru Immediate Annuity with ‘Joint Life Last Survivor with Return
of Purchase Price’ annuity option.
Please note that purchase of ICICI Pru Immediate Annuity or a similar product will be subject
to its availability at the time of purchase and you can opt for any annuity option available at
that time. The annuity amounts have been calculated with your and your spouse’s age to be
40 years and 35 years respectively and are based on indicative annuity rates. Annuity rates
are not guaranteed and are subject to change from time to time. The actual annuity amount
will depend on the prevailing annuity rates at the time of purchase of ICICI Pru Immediate
Annuity or a similar product. Please contact us or visit our website for details.
^ Assuming you live till age 75 years and your spouse lives for 5 more years after that.
 Death benefit during
the policy term:

Payment of lump sum: Your nominee will receive a lump sum

consisting of the death benefits of ICICI Pru iCare II and ICICI
Pru Savings Suraksha.
If the death happens due to an accident, there will be an
additional lump-sum in the form of the Accidental Death
Benefit of ICICI Pru iCare II.

Example
Continuing with our earlier example, in the unfortunate event of
death of the policyholder at the end of the 3rd policy year,
following death benefit will be payable:

Details of projected benefits

8% Assumed rate of return 4%

Guaranteed lump sum
` 50,00,000 to be paid on death (Death ` 50,00,000
Benefit of ICICI Pru iCare II)

Additional guaranteed lump

sum to be paid on accidental
` 50,00,000 ` 50,00,000
death (Accidental Death
Benefit of ICICI Pru iCare II)

Death Benefit of ICICI Pru

` 25,85,560 ` 25,45,015
Savings Suraksha
 Additional option if nominee is
aged 45 years or above at the time
of death of the policyholder:

If the nominee is aged 45 years or above at the time of death

of the policyholder, he or she will have the option to use a
part of this benefit amount to purchase an ICICI Pru
Immediate Annuity policy with “Life Annuity with Return of
Purchase Price” annuity option. The benefits of choosing this
option are the following:

Lifetime Income: Your nominee will receive a regular income

as long he or she is alive.

Legacy: The purchase price of ICICI Pru Immediate Annuity

(legacy amount) will be returned after the death of the nominee.

In the above example, if

• the policyholder dies at the end of the 3rd policy year

• the nominee chooses to receive the death benefit of ICICI

Pru iCare II as a lump sum and uses the rest to purchase an

annuity with the option mentioned above following benefits

would be payable:
 Details of projected benefits
if nominee is aged 45 years at the time of the death of the policyholder

8% Assumed rate of return 4%

Guaranteed lump sum to
` 50,00,000 ` 50,00,000
be paid to your nominee

Amount used to purchase

` 25,85,560 IA* (Death Benefit of ` 25,45,015
ICICI Pru Savings Suraksha)

Lifetime income for your

` 1,94,234 p.a. ` 1,91,188 p.a.
nominee

Lump sum to be paid

` 25,85,560 ` 25,45,015
after death of nominee

* IA stands for ICICI Pru Immediate Annuity

Please note that purchase of ICICI Pru Immediate Annuity or a similar product will be subject
to its availability at the time of purchase and the eligibility of the nominee for the said
product. The nominee can opt for any annuity option available at that time. The annuity
amounts are based on indicative annuity rates. Annuity rates are not guaranteed and are
subject to change from time to time. The actual annuity amount will depend on the
prevailing annuity rates at the time of purchase of ICICI Pru Immediate Annuity or a similar
product. Please contact us or visit our website for details.
If your policy offers guaranteed returns, then these will be clearly marked “guaranteed” in
the Benefit Illustration. Since your policy offers variable returns, the given illustration shows
two different rates (4% & 8% p.a.) of assumed future investment returns The returns shown
above are not guaranteed and they are not the upper or lower limits of what you might get
back, as the maturity value of your policy depends on a number of factors including future
investment performance. The above information must be read in conjunction with the sales
brochure and policy documents.
For the purpose of illustration, we have combined the premiums payable and benefits
that you may receive under each plan of this solution. To know the details of this
solution, please go through the “Terms and conditions”.
 Solution at-a-glance

Min / Max annual premium ` 1.5 lakh / Unlimited

Min / Max age at entry 35 / 54 years

Premium payment term Regular Pay

Policy term 10 years

Payment frequency Annual, Half yearly, Monthly

Sum Assured ICICI Pru Savings Suraksha:

10 times of annual premium;
ICICI Pru iCare II:
If age at entry is <=45: ` 50 lakh
If age at entry is 46 - 50: ` 25 lakh
If age at entry is 51 - 54: ` 15 lakh

Terms & Conditions

• This combination solution comprises set of policies across one or more products of the
company. These products are also available individually with the Company and it is not
mandatory for the customer to apply for this combination only. The customer is
requested to go through the individual benefit illustrations of the products in this
solution.
• This is not a product brochure. The customer is requested to separately go through the
product brochure of ICICI Pru Savings Suraksha (UIN: 105N135V01), ICICI Pru iCare II
(UIN: 105N140V01) and ICICI Pru Immediate Annuity (UIN: 105N009V06) and to take the
decision to opt for this combination solution after having fully understood the risk
factors, product terms and conditions as briefly indicated below:
- ICICI Pru Savings Suraksha: Guaranteed Maturity Benefit, Sum Assured, Guaranteed
Additions, Reversionary bonus, Terminal Bonus, Premium Discontinuance, Policy
revival, Surrender, Paid up, Death benefit, Maturity benefit etc.
- ICICI Pru iCare II: Death benefit, Accidental Death benefit, Premium Discontinuance,
Policy revival, Surrender etc.
- ICICI Pru Immediate Annuity: Annuity options, Purchase price etc.
• The individual products under this solution have certain product features like Sum
Assured, Death Benefit option, Annuity option etc. which offer options beyond the ones
assumed in the benefit illustrations shown here. The customer’s choice with respect to
these will not be restricted to what has been shown here and he will be able to choose
from all the options available at the time of purchase of the respective products.
• 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 of what the customer might get back, as the value of the policy depends on a
number of factors including future investment performance.
• The benefit of this combination solution shall accrue only if the customer continue to pay
premiums for the entire premium payment term.
 • The benefits available under this combination solution shall be as per the policy terms and
conditions of the respective products.
• The premium shall comprise of base premium, service tax and education cess, as per
applicable rates. Please refer Benefit Illustration for the details of the actual premium amount.
• The regular income benefit through ICICI Pru Immediate Annuity plan will be applicable subject
to the following conditions:
- It shall be the sole responsibility of the Policyholder or the nominee, as applicable, to
approach the Company on maturity or death to purchase ICICI Pru Immediate Annuity or
any other similar product as may be available with the Company at that point in time.
- It is not mandatory to purchase ICICI Pru Immediate Annuity or a similar product with the
maturity benefit or death benefit, if the Policyholder or the nominee, as applicable, does not
wish to get the regular income benefit.
- Annuity rates are subject to change from time to time. The actual annuity amount will
depend on the prevailing annuity rates at the time of purchase of ICICI Pru Immediate
Annuity plan.
- The policyholder or the nominee, as applicable, will have the flexibility to choose any of the
annuity options offered by ICICI Prudential at that point in time.

ICICI Pru Savings Suraksha is a non-linked savings and protection oriented plan. ICICI Pru
iCare II is a non-linked non-participating term insurance plan. ICICI Pru Immediate Annuity is
a non-linked non-participating insurance plan.
IN ULIPs THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER
ICICI Prudential Life Insurance Company Limited. IRDA Regn. No. 105. CIN: U66010MH2000PLC127837.
Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net
Asset Values and the customer shall be responsible for his/her decision. The name 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. Investments are subject to market risk.
© 2014, ICICI Prudential Life Insurance Co. Ltd. Registered Address: ICICI Prulife Towers, 1089, Appasaheb
Marathe Marg, Prabhadevi, Mumbai-400025. Insurance is the subject matter of the solicitation. For more
details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding
a sale. UIN: ICICI Pru Savings Suraksha (UIN: 105N135V01), ICICI Pru iCare II (UIN: 105N140V01), ICICI Pru
Immediate Annuity (UIN: 105N009V06) Advt No.: L/II/312/2014-15.
Call us on 1-860-266-7766 (10am - 7pm, Monday to Saturday, except national holidays. Valid only for calls
made from India)

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDA clarifies to public that
IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products
nor invest premiums.
IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a
police complaint along with details of phone call, number.