Assure Wealth_Leaflet Final - ICICI Prudential Life Insurance

ICICI PruAssure WealthAssure the sparkle in her eyeremains foreverYou have always strived hard to give the best of comforts to your family. Don’t you wish that they continue withthe same lifestyle forever? Hence, we present to you, ICICI Pru Assure Wealth, a whole life insurance and savingsULIP that rewards you with a guaranteed addition and also provides you an insurance cover so that the long termfinancial goals of your loved ones are taken care of even in your absence.Key benefits of ICICI Pru Assure WealthEnjoy the twin benefits of life cover and staying investedwith our Whole Life policyOption to select Dynamic P/E Fund: A unique fund that usesreference to price-earning multiple of NIFTY 50, to determineasset allocation between equity and debtYou can choose between two variants: Super and PlusA Guaranteed Addition varying from 120% to 180% of oneannual premium is added to your Fund Value at the end of1the 15th Policy yearICICI Pru Assure WealthSuperPlus2Guaranteed Addition120% to 170%140% to 180%Redistribute your investment automatically between equity &debt; based on your age by opting for LifeCycle basedPortfolio StrategyGet additional allocation of units to your policy whichresults in more than 100% allocation of your premium tofunds. This is done only on payment of due premiums asindicated below:Additional allocation of unitsICICI Pru Assure WealthPrem. Allocation(as a % of regular premium)SuperPlus2%, 6th year onwards2%, 8th year onwardsEnsure liquidity with our Partial Withdrawal facility102% ofpremium paidGet tax benefits on premiums paid and any benefits3received under the policy as per the prevailing tax lawsHow does the policy work?Choose the product variant, premium amount, SumAssured and portfolio strategy for your policy.your life.You have the flexibility to access your funds through partialwithdrawals.Guaranteed Addition as a percentage of one annualpremium would be added to your Fund Value at the end of In the unfortunate event of death, your nominee would1the 15th policy year .receive the Sum Assured (net of applicable partial4You can enjoy a life cover and stay invested for the whole of withdrawals) or the Fund Value, whichever is higher .IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Eligibility CriteriaMin PremiumModes of Premium PaymentMin Sum AssuredMax Sum AssuredMin / Max Age at EntryPolicy TermRs. 12,000 p.a.Yearly, Half-yearly, Monthly5 x Annual Premium,subject to a minimum of Rs.1,00,000As per the maximumSum Assured multiples0 / 55 years(Age completed birthday)Whole LifeIllustrationAnnual Premium : Rs. 20,000 Mode of premium payment : Yearly Sum Assured : Rs. 1,00,000Portfolio Strategy : Fixed Age at entry : 30 years Term of illustration : 20 yearsICICI Pru Assure Wealth SuperReturns Rs. 624,554 @ 6% p.a. Rs. 946,085 Rs. 6,34,380Returns @ 10% p.a. Rs. 9,61,590This illustration is for a healthy male with 100% of his investments in Multi Cap Growth Fund. The above are illustrative values, net of all charges, service tax and educationcess. Since your Policy offers variable returns, the given illustration shows two different rates (6% and 10% p.a. as per the guidelines of Life Insurance Council) of assumed5future investment returns .Charges under the policyFund Management Charge (FMC): The following fund management charges will be adjusted from the NAV on a daily basis:FundFMCOpportunities Fund, Multi Cap Growth Fund, Bluechip Fund, Dynamic P/E Fund,Multi Cap Balanced Fund, Income Fund*Policy Administration Charge : There will be a fixed policy administration charge of Rs. 50 per month, levied from the 2nd to 10th policy year, postwhich NO policy administration charge would be levied*. It will be charged regardless of the premium payment status.Mortality Charge: Mortality charges will be deducted on a monthly basis on the life cover. Life cover is the difference between the Sum Assured (netof applicable partial withdrawals) and Fund Value at the time of deduction of charges*.Switching Charge: Four free switches are allowed every policy year. Subsequent switches would be charged at the rate of Rs. 100 per switch*. Anyunutilised free switch cannot be carried forward to the next policy year.Miscellaneous Charge: If there are any policy alterations during the policy term, they will subject to a miscellaneous charge of Rs. 250 per alteration*Terms and ConditionsPlusRs. 6,32,053Rs. 9,56,342Premium Allocation Charge: This charge will be deducted from the premium amount at the time of premium payment and units will be allocatedthereafter. It will be levied as shown below:ICICI Pru Assure Wealth Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8+Super100% 4% 4% 4% 4% 0% 0% 0%Plus100% 4% 4% 4% 4% 4% 4% 0%All top up premiums are subject to a premium allocation charge of 1% only.1.35% p.a.Money Market Fund0.75% p.a.*These charges will be made by redemption of units.1. Guaranteed Addition is based on the on the number of premiums paid from time to time. Tax laws are subject to amendments from time totowards the Policy and the variant chosentime.2. The Guaranteed Addition will be paid only on payment of at least 5 full 4. In case the life assured is below 7 years at the time of death, only Fundyears’ premium in case of the Super variant and at least 7 full years’Value would be payable.premium in case of the Plus variant.5. The returns shown in the benefit illustration are not guaranteed and they3. Tax benefits under the policy are subject to conditions under Sec. 80C are not the upper or lower limits of what you might get back, as the valueand Sec 10(10D) of the Income Tax Act,1961. Service tax and educationof your Policy depends on a number of factors including futurecess will be charged extra as per applicable rates and company policyinvestment performance.For more information, please call:Registered Office: ICICI Prudential Life Insurance Company Limited, ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400 025. Reg. No. 105www.iciciprulife.comwww.insurancenowsimple.com© 2009, ICICI Prudential Life Insurance Co. Ltd. Insurance is the subject matter of the solicitation. For more details on the risk factors, term and conditions please read sales brochure carefully before concluding thesale. 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 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. Investments are subject to market risk. This product leaflet is indicative ofthe terms, conditions, warranties and exceptions in the insurance policy. In the event of conflict, if any between the terms & conditions contained in this leaflet and those contained in the policy documents, the terms& conditions contained in the Policy Document shall prevail. Form No: ICICI Pru Assure Wealth (Variant: Plus) - U72; ICICI Pru Assure Wealth (Variant: Super) – U73; UIN - 105L098V01. Advt No. L/II/849/2009-10.