Why wealth plans?

As an individual who doesn’t desire the best from life? You

would undoubtedly want to plan your finances such that
you can achieve all your goals - a car, a beautiful home and
of course, the comfort and contentment of your family. All
of these goals are long term in nature. Wealth insurance
plans have been designed to ensure that you can save for
these long term goals along with the benefit of life cover
and  provide protection to your family.
What is wealth insurance?

Wealth insurance ensures that you receive a lumpsum amount of money at the
maturity of the Policy. In the unfortunate event of death during the term of the
policy, your family receives lumpsum amount, called the Sum Assured. Thus it
combines the benefits of protection and saving in a single instrument.

Why do I need wealth insurance?

 Regular savings : Insurance inculcates the habit of regular and disciplined

savings, which is the key to successful long term financial planning. Pay
your premiums regularly and enjoy the uninterrupted benefits of wealth
insurance.
 Protection : Wealth insurance provides the protective benefit of a life
cover, which keeps your family secure, always.

 Tax benefits : Apart from protection and savings, wealth insurance plans
also offer tax benefits as per prevailing tax laws.

How much savings do I need?

Please consult a financial planner for the same. You can also visit our website
www.iciciprulife.com and using the Savings Calculator to know the amount needed for

saving. You can also send a request you ICICI Prudential to send a financial
advisor to your place to help you understand wealth plans better.
Why should I start planning my wealth savings now?

 Savings need to be started at the earliest so that you can enjoy the benefits
of long term planning
 Unfortunate events do not knock your door when they come. Hence, it is
better to be prepared and ensure that the financial needs of your loved ones
are taken care of, in the unfortunate event of your death.
 The earlier you start planning with wealth insurance, the earlier the goals of
your life can be attained

TRADITIONAL WEALTH PLAN

A Quick Look

ICICI Pru Future Secure, a participating endowment life

insurance plan that helps you save for specific goals in the
future, while providing protection for your family from
financial distress in case of your untimely demise. Thus the
dual benefit of savings and protection it helps you ensure a
secure future for your loved ones.
ICICI Pru Future Secure at a glance

Minimum/ Maximum
0 / 60 years
age at entry

Minimum/ Maximum
18 / 70 years
age at entry

Minimum/ Maximum
10 / 30 years
policy term

Minimum Sum
Rs. 1,00,000
Assured

Payment modes Monthly, Half yearly or Yearly

15 days for monthly mode of payment, 30 days for

Grace Period
yearly and half yearly modes of payment

How can I benefit from ICICI Pru Future Secure?

Life cover throughout the policy term, as chosen by you

 Wealth creation through regular bonus additions declared at the end of
each financial year
 Maturity benefit, payable at the end of the term, equal to Sum Assured
plus vested reversionary bonuses and terminal bonus, if any
 Enhanced coverage through optional riders – Accident and Disability
Benefit Rider, Critical Illness Rider and Income Benefit Rider

 Tax benefits on the premium paid and benefits received under the policy,
as per the prevailing Income Tax laws
How does ICICI Pru Future Secure work?

Chose your policy term (10 to 30 yrs) and Sum Assured (minimum SA = Rs. 1,00,000)
 Regular bonus additions at the end of each financial year accrue to your
policy
 At the end of the policy term you receive, maturity benefit = SA + Vested
Reversionary Bonuses + Terminal Bonus, if any

 During the policy term, in case of unfortunate death of the Life Assured, the
nominee gets SA + Vested Reversionary Bonuses + Terminal Bonus, if any

Benefit Illustration

The below illustration highlights estimated benefits that would be available to an

individual on survival till the end of the policy term.

Benefits Returns (@ 6% p.a.) Returns (@ 10% p.a.)

Guaranteed Sum Assured Rs. 1,00,000 Rs. 1,00,000
Estimated vested bonus Rs. 19,400 Rs. 41,500
Estimated terminal bonus Rs. 21,097 Rs. 26,403
Estimated maturity amount Rs. 140,497 Rs. 167,903

“Some benefits are guaranteed and some benefits are variable with returns based
on the future investment performance of the Company. If your policy offers
guaranteed returns then these will be clearly marked “guaranteed” in the Benefit
Illustration on this page. If your policy offers variable returns then the illustrations
on this page will show two different rates of assumed future investment returns.
These assumed rates of return are not guaranteed and they are not upper or lower
limits of what you might get back as the value of your policy is dependent on a
number of factors including future investment performance.”

How can I buy this plan?

We offer several options for you to buy as per your convenience. Choose from one of
the following:

 Meet an advisor
  Visit your nearest branch

ICICI Pru Guaranteed Savings Insurance Plan

A Quick look

Life has many important milestones: your house, your child’s education and marriage,
your retirement kitty. It would be your dream to achieve them all with certainty.
However, this would need careful planning and a regular savings approach.

ICICI Pru Guaranteed Savings Insurance Plan is a non-participating limited

premium endowment life insurance plan that allows you to enjoy the benefits of a long
term savings plan ensuring that you and your family are free of any financial worries.
Key Things To Know

Key Aspect

Things That You
Should Know

No, ICICI Pru Guaranteed Savings Insurance Plan is not a

Is this plan a ULIP ULIP. In this plan you get a Guaranteed Maturity Benefit
which is not linked to market movements

No, ICICI Pru Guaranteed Savings Insurance Plan is Regular

Is this a one-time
Premium plan in which you need to invest premiums regularly
payment plan
over a period of time.

How many years

You have a choice of paying premiums regularly for 7 or 10
do I need to pay
years
premiums

On maturity, you will get the sum of all premiums paid along
What is the kind of with regular additions which will be declared at the beginning
returns I can expect of every policy year. To check regular additions declared in
the past click here 

What Do I Get From This Plan?

You Pay (Rs.)             18,000                                                

You Get (Rs.)           Fund value at the end of Fund value at  the end of

term @    6% yield (Rs.) term   @    8.43 % yield (Rs.)   
 2,12,044 2,66,853

30
Age
Years                                                                                                      

Premium
Paying 7 Years
Term

Policy 15 Years
Term

Annual
Premium 18,000
(Rs.)

Sum
Assured 1,26,000
(Rs.)

ICICI Pru Guaranteed Savings Insurance Plan at a glance

Minimum / Maximum age

0 / 60 years
at entry

Minimum / Maximum
18 / 75 years
maturity age

Premium payment term 7 years 10 years

Policy term 15 years 20 years

Minimum Annual Premium

18,000 12,000
(Rs.)
 Sum Assured Annual Premium X Premium Paying Term

Premium paying modes Yearly / Half Yearly / Monthly

15 days for monthly mode, 30 days for yearly and

Grace Period
half yearly modes

How can I benefit from this Plan?

Limited pay: You have a choice of paying premiums for either 7 or 10 years, while
enjoying a long term savings benefit under the plan.
 Guaranteed benefits: Receive guaranteed benefit at the end of the policy
term in form of Guaranteed Maturity Benefit (GMB) (conditions apply*)
o In the beginning, the GMB would be equal to sum of all premiums
payable under the plan.
o This GMB would increase every year by guaranteed Regular
Additions (RA), to increase your savings payable at maturity of
plan. The Regular Addition expressed as a percentage of the SA,
will be declared at the beginning of every policy year

Year 2010-11 Regular Addition

October'10 - December'10 3.9%

January'11 - March'11 4.1%

o Regular Addition (RA) mentioned above is a percentage of the Sum
Assured.
 Additional maturity benefit: Receive additional amount in form of
Maturity Addition (MA) at the end of the policy term.
 Death Benefit:Receive a Guaranteed Death Benefit (GDB) equal to the
sum of all premiums paid till date compounded at the rate of 5 percent per
annum (conditions apply*)
 Easy to purchase: Easy and hassle free application process with no
medical underwriting.
 Tax benefits: Tax benefits on the premium paid and benefits received
under the policy, as per the prevailing Income Tax laws.

*RA will accrue at the end of each policy year. It will be disclosed at the start of
that policy year. The RA shall be calculated as percentage of the SA. This
percentage is guaranteed to be 50% of the annualised gross redemption yield
(GRY) of the 10-year G-Sec, rounded down to the lower 0.2%,as at the Review
Date immediately preceding the start of the policy year. The Review Date shall be
the 7th of the first month of every quarter. In case the 7th is not a working day, the
 GRY of the next working day shall be considered for this purpose

Benefits in detail

Benefit Illustration

This illustration highlights estimated benefits that would be available to an

individual on survival till the end of premium paying term.

Age at entry: 30 years                                         Premium paying mode: Yearly

Premium paying term: 7 years                              Policy term: 15 years

 
 

Sum Assured (SA)   Rs. 1,75,000

Year 1 Regular Addition (RA) * 4% of SA Rs. 7,000

Year 2 Regular Addition (RA) * 4% of SA Rs. 7,000

Year 3 Regular Addition (RA) * & onwards… 4% of SA Rs. 7,000

Accumulated RAs   Rs. 1,05,000

(A) Guaranteed Maturity Benefit (GMB)   Rs. 2,80,000

(B) Maturity Addition (MA) *   Rs. 74,292

Estimated Total Maturity Benefit (A+B)   Rs. 3,54,292

“If your policy offers guaranteed returns, then these will be clearly marked
“guaranteed” in the Benefit Illustration on this page. These assumed rates for the
RA and the MA are projected assuming a gross interest rate of 8% for this
illustration only. The maturity benefit of your policy is dependent on a number of
factors, including future performance.”

How does the Plan work?

Select your premium paying term- 7 years or 10 years.

  Choose your Premium or Sum Assured (SA)
o (SA = Premium * premium payment term).
 At maturity of the policy, you will receive sum of:
o Sum Assured (SA)- which is sum of all premiums in the policy
o Regular Additions(RA)
 This guaranteed addition, expressed as a percentage of the SA, will be
declared at the beginning of every policy year (conditions apply*)

Year 2010-11  

October'10 - December'10 3.9%

January'11 - March'11 4.1%

 Regular Addition (RA) mentioned above is a percentage of the Sum
Assured.
o Maturity Addition (MA)- A lumpsum amount expressed as a
percentage of the SA
 On death during the term of the policy, while the policy is in force
o Receive a Guaranteed Death Benefit (GDB) (conditions apply*)-
which is sum of all premiums paid till date compounded at the rate
of 5 percent per annum.

*RA will accrue at the end of each policy year. It will be disclosed at the start of
that policy year. The RA shall be calculated as percentage of the SA. This
percentage is guaranteed to be 50% of the annualised gross redemption yield
(GRY) of the 10-year G-Sec, rounded down to the lower 0.2%,as at the Review
Date immediately preceding the start of the policy year. The Review Date shall be
the 7th of the first month of every quarter. In case the 7th is not a working day, the
GRY of the next working day shall be considered for this purpose.

Regular Addition Rates

                                    

October'10 - December'10 3.9%

January'11 - March'11 4.1%

April'11 - June'11 3.9%

 July’11 – Sept’11 4.1%

October’11 – December’11 4.3%

January'12 - March'12 4.1%

 Regular Addition (RA) mentioned above is a percentage of the Sum
Assured.
 These rates would be declared at the beginning of every policy year and
would be guaranteed once declared. RA would accrue to the policy at the
end of each policy year.

 RA percentage is guaranteed to be 50% of the annualised gross redemption

yield (GRY) of the 10-year G-Sec, rounded down to the lower 0.2%,as at
the Review Date immediately preceding the start of the policy year. The
Review Date shall be the 7th of the first month of every quarter. In case the
7th is not a working day, the GRY of the next working day shall be
considered for this purpose.

How can I buy this plan?

We offer several options for you to buy as per your convenience. Choose from one
of the following:

 Buy Online in 3 easy steps  

 Meet an advisor

  
Visit your nearest branch

ICICI Pru iAssure Single Premium

A Quick Look

You want to enjoy life without any tension or worries. But you can only do so when
your tomorrow is assured. This assurance gives you the freedom to enjoy your life.

Presenting ICICI Pru iAssure Single Premium, a conventional non-participating single

premium product that provides you Guaranteed Maturiy Benefit and also offers a life
cover to take care of your loved ones in your absence.
Guaranteed Maturity Benefit

The Guaranteed Maturity Benefit will depend on your age, gender, premium amount,
policy term, Sum Assured multiple and the Reference Rates applicable at policy
inception. Also this guarantee will not be applicable in case of policy surrender.

Reference Rates:-
 The Reference Rates are intended to be calculated by reference to the annualized
INBMK G-sec benchmark and the AAA benchmark yields of appropriate terms
from Reuters. The Reference Rates are intended to be the weighted average of
these benchmark yields rounded down to the nearest multiple of 20 basis points.
The following benchmarks and weights are intended to be used to calculate the
Reference Rate.

5 year Reference 10 year Reference

Rate  Rate

Asset Class Benchmark Term Weight Term Weight

Reuters INBMK
G-Sec 10 50% 30 65%
G-sec

AAA Corporate Reuters INBMK

5 50% 10 35%
Bonds AAA

The Reference Rates and the applicable GMB factors for new business will be
declared on the 15th of each calendar month or on the next working day if the 15th
is a holiday. The Reference Rates and the GMB factors will be valid till the 14th of
the next calendar month. However, we may change the Reference Rate and the
GMB Factors more frequently than once a month if movements in the benchmarks
result in a change of more than 20 basis points in the Reference Rate during the
above mentioned period.

ICICI Pru iAssure Single Premium at a glance

Term 5 or 10 years

Term (years) Age (years)

Minimum age at entry 5 13

10 8
 Maximum age at entry 70 years

Minimum age at Maturity 18 years

Term (years) Age (years)

Maximum age at maturity 5 75

10 80

Premium payment term Single Premium

Minimum Sum Assured* 125% of Single Premium

Age at entry (last SA (% of Single

birthday) Premium)

Maximum Sum Assured*

8 to 55 500%

56 to 70 125%

Minimum Premium Rs. 20,000

* If the Sum Assured under the policy is less than 500% of Single Premium:

 Tax benefit u/s 80C will be limited only up to 20% of Sum Assured

 Tax benefits u/s 10(10D) will not be available and benefits received under
the policy will be taxable

How does the plan work?

In this plan you pay premium only once and enjoy the life cover throughout the term
along with a guaranteed maturity benefit at the end of term. The plan is offered for a
term of 5 years and 10 years. In the unfortunate event of the death of the Life Assured
during the term of the policy, the nominee shall receive Sum Assured or the Guaranteed
Maturity Benefit, whichever is higher. At maturity, the Guaranteed Maturity Benefit,
declared at policy inception, is paid to the policyholder. Also, you can avail tax benefit
on the premiums paid and the benefits received, as per prevailing tax laws.

Benefits in detail

Guaranteed Maturity benefit (GMB): At maturity, you will receive the

Guaranteed Maturity Benefit declared at policy inception. The Guaranteed Maturity
Benefit will depend on your age, gender, premium amount, policy term, Sum Assured
multiple and the Reference Rates applicable at policy inception. Also this guarantee
will not be applicable in case of Policy surrender.
Guaranteed Maturity Benefit = Single Premium amount X Guaranteed
Maturity Benefit Factor. 

 Death benefit

In the unfortunate event of the death of the Life Assured during the term of the
policy, the nominee shall receive Sum Assured or the Guaranteed Maturity Benefit,
whichever is higher.

 Loans

Loans are available after the policy has attained a Surrender Value. A loan amount
of up to 80% of the Surrender Value can be availed. The interest rate charged for
policy loans will be the 10 year Reference Rate + 200 basis points. The policy will
be foreclosed in case the outstanding policy loan with accrued interest exceeds the
Surrender Value.

 Surrender Value

Surrender is not allowed during the first policy year. The Surrender Value will be
the higher of the Guaranteed Surrender Value (GSV) and the Non Guaranteed
Surrender Value (NGSV).

After the first policy year, the Non Guaranteed Surrender Value will depend on the
then applicable Reference Rate and the term outstanding to maturity at the time of
surrender.

The Guaranteed Surrender Value will be 20% of the GMB if the term remaining to
maturity is greater than 5 years and 40% of the GMB if the term remaining to
maturity is less than or equal to 5 years.
 Can I take a loan against this policy?

Yes, a loan amount of up to 80% of the Surrender Value can be availed. The interest
rate charged for policy loans will be the 10 year Reference Rate + 200 basis points. The
policy will be foreclosed in case the outstanding policy loan with accrued interest
exceeds the Surrender Value.

How can I buy this plan?

We offer several options for you to buy as per your convenience. Choose from one of
the following:

 Meet an advisor  
 Visit your nearest branch  

 Visit our website to buy online  

ICICI Pru Whole Life

A Quick look

You always strive to provide the best for your family, you set goals to buy a car, a
house, get married, secure your children’s education, go for that dream vacation and
secure a better life after retirement. Most importantly, you want to ensure your family
receives all these benefits during your lifetime and also in case you are not around.

ICICI Pru Whole Life, a participating endowment life insurance plan with a unique
double advantage of savings and protection that not only allows you to meet your
goals but also seeks to ensure that your dear ones will continue to live their lives in
comfort without financial worries in case of unforeseen eventuality.
ICICI Pru Whole Life at a glance

     

        

Term Whole life

Minimum / Maximum age at

0 / 60 years
entry
 Minimum / Maximum age at end
30 / 70 years
of premium paying term

Minimum / Maximum premium

10 / 30 years
payment term

Minimum Sum Assured Rs. 1,00,000

Minimum Premium Rs. 6,000 per annum

Premium paying modes Yearly / Half yearly or Monthly

15 days for monthly mode, 30 days for

Grace Period
yearly and half yearly modes

How can I benefit from ICICI Pru Whole Life?

Life cover of double Sum Assured and vested reversionary bonuses, if any, during the
premium paying term
 Wealth creation through regular bonus additions declared at the end of
each financial year
 Survival benefit of Sum Assured plus vested reversionary bonuses and
terminal bonus, if any, at the end of the premium paying term
 Additional life cover for the chosen Sum Assured post premium payment
term, for whole life
 Enhanced coverage through riders: Accident and Disability Benefit
Rider, Critical Illness Rider and an Income Benefit Rider

 Avail of tax benefits on the premium paid and benefits received under the
policy, as per the prevailing Income Tax laws. Service tax and education
cess will be charged extra, as per applicable rates. The tax laws are subject
to amendments from time to time.

How does the plan work?

Triple advantage of ICICI Pru Whole Life

 Survival benefit: Create a corpus to meet your desired goal at the end of a
chosen premium paying term. You are entitled to the chosen Sum Assured
and all the bonuses declared, if any, during the premium paying term.
  Life cover benefit: In case of your untimely demise during your premium
paying years, your family would receive twice the Sum Assured along
with all bonuses accumulated during the premium paying term of the
policy.

 Whole life cover benefit: You are also entitled to an additional Sum
Assured payable in case death occurs after the completion of the premium
paying term or on completion of 100 years of age, whichever is earlier,
allowing you to leave a legacy to your dear ones.

How can I buy this plan?

We offer several options for you to buy as per your convenience. Choose from one
of the following:

 Meet an advisor

 Visit your nearest branch

ICICI Pru Save'n'Protect

A Quick Look

All through your life, you have certain responsibilities; your children’s education,
marriage expenses and many more. For this you need a plan that offers you both, savings
and protection. Keeping this in mind, ICICI Prudential offers you ICICI Pru Save n’
Protect- a participating endowment life insurance plan for those who want to
accumulate funds on a regular basis while enjoying insurance protection.
ICICI Pru Save'n'Protect at a glance

           

Minimum Premium Rs. 6,000 p.a.

Modes of Premium Payment Yearly /  Half yearly /  Monthly

Minimum / Maximum Sum Assured Rs. 50,000 / Rs. 1,00,00,000

Minimum / Maximum age at entry 0  / 60 years

Minimum / Maximum age at maturity 18 / 70 years

 Minimum / Maximum Policy Term 10 / 30 years

How does this plan work?

It is a fixed term policy that combines savings with life cover. In this plan, you pay
premium regularly during the term. On the death of the life assured after the age of
7 years, the beneficiary will get the Sum Assured, the guaranteed additions @3.5%
compounded annually for the first 4 years and the vested bonuses. On death of the
Life Assured upto age 7 years, the basic premium paid will be returned without
interest. Once the policy matures, i.e. at the end of the term, you can get the full
Sum Assured and Guaranteed Additions @ 3.5% compounded annually for the first
4 years as well as the vested bonuses. Also, avail tax benefits on the premiums paid
and benefits received, as per prevailing laws.

Benefits in detail

 Maturity Benefit : Once the policy matures, i.e. at the end of the term, you
can get the full Sum Assured and Guaranteed Additions @ 3.5%
compounded annually for the first 4 years as well as the vested bonuses.
 Death benefit : On the death of the life assured after the age of 7 years, the
beneficiary will get the Sum Assured, the guaranteed additions @3.5%
compounded annually for the first 4 years and the vested bonuses. On death
of the Life Assured upto age 7 years, the basic premium paid will be
returned without interest.
 Extended Life Cover : The plan also offers the unique feature of an
additional extended cover for 5 years after maturity of the policy, for 50%
of the Sum Assured without any further payment of premium.
 Additional Rider Benefits : This is an additional benefit which can be
availed along with the base plan, by paying a marginal extra cost. The
riders offered are:
o Accident and Disability Benefit Rider
o Accident Benefit Rider

o Critical Illness Benefit Rider

Can I take a loan against my policy?

Yes, you can take a loan under the policy to meet your requirements. This will be
dependent on the paid-up value your policy acquires. Interest is charged on the
amount of loan availed.