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ICICI Pru Signature
The total of Premium Allocation Charges (excluding Top-up premium allocation charges) deducted in the policy net of taxes will be added back to the Fund Value at the end of 10th policy year. The same amount will be added again at the end of every 5th policy year thereafter. UIN: 105L177V02

ICICI Pru LifeTime Classic
The Company will allocate extra units as below provided all due premiums have been paid:

Premium payment term Loyalty Additions Wealth Boosters
(End of year 6 and 7) (End of year 8 and onwards) (End of every 5th year, starting from the end of 10th policy year)
5 years – 6 years 0.10% 0.10% 1%
7 years – 9 years 0.15% 0.30% 1%
10 years and above 0.15% 0.30% 2%
Single Pay 0.25% 0.25% 1.5%

For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year.

Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above.

Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.

Loyalty Additions and Wealth Boosters will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.

The allocation of Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.

If the premium payment is discontinued anytime after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above.

The Policyholder can have funds in only one of the Portfolio Strategies. UIN: 105L155V05

ICICI Pru Guaranteed Wealth Protector
* On Maturity, you will receive an amount which is higher of Assured Benefit or fund value. Assured Benefit will be 101% of total premium paid, which is applicable only on maturity of the policy and does not apply on death or surrender.

ICICI Pru1 Wealth
The company will allocate extra units at the end of the policy term, provided monies are not in the DP fund. Wealth Booster will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation. The allocation of Wealth Booster units is guaranteed and shall not be revoked by the Company under any circumstances.

Policy Term 5 Years 10 Years
Wealth Booster 2.50% of Single Premium 2.75% of Single Premium

For 10 year policy term, wealth booster will be 2.75% of single premium including top up premiums less partial withdrawals if any. UIN:105L175V02

ICICI Pru Smart Life

The Company will allocate extra units as below provided all due premiums have been paid:

Benefit When Percentage
Loyalty Additions End of every policy year, starting from the end of the sixth policy year 0.25%
Additional Loyalty Additions End of every policy year, starting from the end of the sixth policy year if the premium for that year has been paid 0.25%
Wealth Boosters End of every fifth policy year, starting from the end of the tenth policy year One Pay: 1.50%
Limited Pay/Regular Pay: 3.25%

Loyalty Additions, Additional Loyalty Additions and Wealth Boosters will be equal to the above percentage of the average of the Fund Values on the last business day of the last eight policy quarters.

These units will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.

Allocation of Loyalty Additions units, Additional Loyalty Additions units and Wealth Boosters units is guaranteed and shall not be revoked by the Company under any circumstances.

The above additions will not be added if your monies are in the DP Fund.

The Policyholder can have funds in only one of the Portfolio Strategies. UIN: 105L145V05

ICICI Pru Smart Kid
Under this benefit, following the date of death of life assured, provided all due premiums have been paid, units equivalent to the installment premium will be allocated by the company on subsequent premium due dates.
Partial withdrawals are allowed after the completion of five policy years provided monies are not in DP fund. You can make unlimited number of partial withdrawals as long as the total amount of partial withdrawals in a year does not exceed 20% of the Fund Value in a policy year. The partial withdrawals are free of cost. DP Funds refer to Discontinued Policy fund and consists of money from lapsed policies. UIN: 105L145V05

Disclaimer:

Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. The names 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.

# As per IRDA Annual Report 2018-19

**Claim statistics are for Financial Year 2019-20 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to Public Disclosures in our Website.

~Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time.

*** These bonuses are added to your savings as a reward for staying invested for a long time.

^Please refer your UliP policy document for detailed information about Loyalty Additions and Wealth Boosters.

##Partial withdrawals are allowed after the completion of five policy years provided monies are not in DP Fund. You can make unlimited number of partial withdrawals as long as the total amount of partial withdrawals in a year does not exceed 20% of the Fund Value in a policy year. The partial withdrawals are free of cost. DP Funds refer to Discontinued Policy fund and consist of money from lapsed policies.

Unit Linked products are different from traditional insurance products and are subject to the risk factors.

The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/ her decisions. ICICI Prudential Life Insurance is only the name of the Life Insurance Company and Unit Linked Insurance is only the name of the unit linked insurance product and does not in any way indicate the quality of the product, its future prospects and returns.

Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the Insurance company.

The various funds offered under this product are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

W/II/3628/2018-19

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