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ICICI Pru Cash Advantage ..................................................................... page ICICI Prudential Retirement Income Solution III ............................................ICICI Pru Elite Life II .......................................................................................ICICI Pru Elite Wealth II .................................................................................ICICI Pru Guaranteed Wealth Protector ........................................................ICICI Pru Savings Suraksha ............................................................................ICICI Prudential Retirement Income Solution IV ...........................................ICICI Pru Wealth Builder II ............................................................................

0103050709111315

Child ..................................................................................................... page Wealth creation ............................................................................................Retirement planning ....................................................................................

171819

Funds .................................................................................................... page 20

SALES KITProducts & Solutions

Strictly for internal circulation only

ICICI Pru Cash Advantage

Get a regular cash benefit to meet everyday needs+

Get a lump sum to achieve your goals

Liquidity

Guarantee

Payout term commences immediately after the premium payment term (PPT)

÷ Guaranteed Cash Benefit (GCB) equal to 1% of Guaranteed Maturity Benefit (GMB) every month throughout the payout term of 10 years

÷ Guaranteed Maturity Benefit (GMB) at the end of the policy term

Guaranteedprotection

Get a life cover for the entire policy

Tax benefits

Avail tax benefits on premiums paid and benefits received as per the prevailing tax laws

Limited premium

payment termPay premiums for 5, 7 or 10 years as per your choice

1. At policy inception, you choose your premium, premium payment option, premium payment mode, Sum Assured and cash benefit mode.

2. Your GCB and GMB are calculated using the parameters as mentioned earlier along with your age and gender.3. GCB is payable in advance during the payout term. Payout term begins as soon as the premium payment term is

over and terminates at the end of the policy term.4. In the unfortunate event of death of the life assured during the policy term, death benefit is payable to the

nominee.5. On survival of the life assured till the end of the policy term, Guaranteed Maturity Benefit (GMB) is payable along

with vested reversionary bonuses (RB) plus terminal bonus, if any.

Guaranteed Benefits

Key features

How does the policy work?

01


ICICI Pru Cash Advantage

Premium payment option

Premium Payment Term

Minimum annual premium

Minimum age at entry

5 pay 7 pay 10 pay

5 years 7 years 10 years

Payout Term

Policy term (PPT + Payout term) 15 years 17 years 20 years

Rs 30,000 Rs 18,000 Rs 12,000

3 years 1 year 0

GMB*(annual premium payment mode)

Rs 74,451 Rs 65,364 Rs 63,881

Maximum age at entry 60 years

10 years

Sum Assured on death

Cash benefit mode

Maximum annual premium

Man/ Max age at maturity

Premium payment mode Annual/ Half-yearly/ Monthly

Unlimited

Age at entry (years)

< 45

45 to 54

> 54

Sum Assured multiple

10

7 or 10

7

18/ 80

Annual/ Monthly

÷ These GMBs are for a male life assured and will be different for female lives

Policy details at a glance

02

Non-stop income =Non stop

HAPPINESS


ICICI Prudential Retirement Income Solution III

How does the solution work?

÷ Choose modal premium, premium payment mode and cash benefit mode (annually monthly)÷ Pay premiums for 10 years÷ Get cash benefits from year 11 to year 20÷ Get lifelong income for you and spouse, starting from 21st year÷ Leave a lumpsum for your nominee

35 yrs

PremiumsRs 1 lakh p.a.for 10 years

45 yrs

Cash BenefitRS 61 K p.a.for 10 years

55 yrs

Rs 1.1 Lakh p.a.for life

75 yrs

Rs 1.1 Lakh p.a.continues to spouse

Death ofPolicy holder

80 yrs

Death ofSpouse

Rs 14 lakhs paid tonominee on death of last

surviving partner

Assumptions: Age at entry is 35 years; Policy holder lives till age 75 and spouse lives for 5 more years after that; Rate of investment return: 8%; Annuity option: Joint life, Last Survivor with Return of Purchase Price

How does RIS III work?

BenefitsAssumed Rate of Return

8%

4%

Guaranteed Cash Benefits

(Year 11 to 20)

Rs 60,895 p.a.

Rs 60,895 p.a.

Expected Yearly Annuity

(Year 21 onwards)

Rs 111,496

Rs 52,537

This solution is a combination of ICICI Pru Cash Advantage (UIN:105N132V01) and ICICI Pru Immediate Annuity (UIN: 105Noo9V06). These products are also available without this combination solution and its not mandatory to apply for this combination only

03


ICICI Prudential Retirement Income Solution III


Minimum Annual Premium

Maximum Annual Premium

Premium payment term

Policy Tem (Cash Advantage)

Sum Assured on Death

Min/ Max Age at Entry

Min/ Max Age at Maturity

Premium Payment Mode

Cash Benefit Mode

Rs 50,000

Unlimited

10 years

20 years

7 or 10 times based on age at entry

25/ 60 years

45/ 80 years

Annual/ Half-Yearly/ Monthly

Annual/ Monthly

Terms and conditions1 This combination solution comprises of 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 to apply for this combination only. Please go through the individual benefit illustrations of the product that you have topurchase at inception of the solution.

2 This is not a product brochure. Please go through the product brochure of ICICI Pru Cash Advantage (UIN:105N132V01) and ICICI Pru Immediate Annuity (UIN: 105N009V06) for understanding of the risk factors, product terms and conditions as briefly indicated below:ICICI Pru Cash Advantage: Premium payment term, Guaranteed Cash Benefit, reversionary bonus terminal bonus, death benefit, maturity benefit, premium discontinuance, policy revival and surrender etc.ICICI Pru Immediate Annuity: Annuity options, Purchase price etc.

3 The individual products under this solution have certain product features like Annuity options, Maturity Benefit etc. which offer options beyond the ones assumed in the benefit illustrations shown here. Your choice with respect to these will not be restricted to what has been shown here and you will be able to choose from all the options available at the time of purchase of the respective products.

4 Guaranteed Cash Benefit will be either 1% p.m. or 11.5% p.a. of GMB of ICICI Pru Cash Advantage for monthly and yearly cash benefit modes respectively. This will be payable only if all premiums are paid as per the premium payment term and the policy is in-force when such payment becomes due.

5 For the purpose of illustration, the Company has assumed 8% and 4% as the rates of investment returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy depends on a number of factors including future investment performance.

6 The regular income benefit through ICICI Pru Immediate Annuity plan will be applicable subject to the following conditions.÷ It shall be your sole responsibility to approach the Company after maturity of ICICI Pru Cash Advantage and utilize its maturity benefit to purchase

ICICI Pru Immediate Annuity or any other similar product as may be available with the Company at that point of time.÷ Annuity rates are not guaranteed and hence 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.÷ You shall have the flexibility to choose any of the annuity options offered by the Company at the time of vesting of the product.

7 The benefit of this combination solution shall accrue only if you continue to pay premiums for the entire premium payment term.8 It is not mandatory for you purchase ICICI Pru Immediate Annuity or a similar product with the maturity benefit of ICICI Pru Cash Advantage, if you do

not wish to get the regular income benefit.9 The benefits available under this solution shall be as per the product policy terms and conditions.10 Service Tax and education cess as per applicable rates will be charged over and above the policy premiums. The tax laws are subject to amendments

from time to time 11 For ICICI Pru Cash Advantage, as per the Finance Act 2012, all policies issued from April 1, 2012, with premium to sum assured ratio of less than 1:10 and

where death benefit at any time is less than 10 times premium, will not be eligible for tax benefit under section 10 (10D) of the Income Tax Act. Further tax benefit u/s 80C for such policy will be limited only up to 10% of Sum Assured. Tax benefits under the policy are subject to conditions under Sec.10 (10D) and Sec. 80C of the Income Tax Act, 1961.

04


ICICI Pru Elite Life II

Unit linked plan exclusively

for ELITE customers

Key features

Get better value for money

Optimize returns

Invest as per your risk appetite

Manage your investments

Insure your family

Flexibilityof premium

payment

Wealth boosters

Pay premiums for a limited period or for the entire policy term

Wealth Boosters equal to 1.5% of the Fund Value will be allocated as extra units at the end of every 5th policy year starting from the end of the 10th policy year

Choice of protection

levelEnjoy the safety of a life cover based on your desired level of protection

Tax benefits

Choice of portfoliostrategies

Choose a personalised portfolio strategy from÷ Fixed Portfolio Strategy: Option to allocate your savings in the funds of your choice÷ LifeCycle based Portfolio Strategy: A unique and personalised strategy to create an

ideal balance between equity and debt, based on your age

Lower effective FMC

Get Loyalty Additions which reduce your effective Fund Management Charge (FMC)

Avail tax benefits on premiums paid and benefits received as per the prevailing tax laws

Income benefit rider

Get additional protection with Rider:÷ Under this rider, 10% of the rider Sum Assured will be payable on each policy

anniversary following death till the end of the policy term.

Year FMCLoyalty

addition rateApproximate

effective FMC*

6 to 10

11 onwards

1.35%

1.35%

0.30%

0.50%

1.05%

0.85%

Please refer the rider brochure available on our website for more details

05


ICICI Pru Elite Life II

One Pay

Note: Sum Assured multiples in between the maximum and minimum limits are not available in One Pay optionFive Pay & Regular Pay

Minimum Premium

RsFor Five Pay and Regular Pay: Rs. 2,00,000 p.a. for Yearly and Half-yearly modeRs. 3,00,000 p.a. for Monthly mode

. 2,00,000 for One Pay

Premium Payment Term One Pay, Five Pay & Regular Pay

Policy Term

Min / max age at entry

Minimum entry age: 0Maximum entry age: One Pay and Regular Pay: 69 yearsFive Pay: 55 years

Min / max age at maturity

Minimum maturity age: 18Maximum maturity age: One Pay and Regular Pay: 79 yearsFive Pay: 75 years

Premium payment options Ages Policy term

One Pay

Five Pay

Regular Pay

All ages

0 years - 43 years

44 years - 55 years

0 years - 43 years

44 years - 55 years

56 years and above

10 years

10 years to 30 years




10 years

Sum Assured

Age at entry Min. S.A. Max. S.A.

0 to 39 years

40 years onwards

1.25 X Single premium


10 X Single premium



0 to 44 years

45 years and above

Higher of (10 X Annual Premium) and (0.5 X Policy term X Annual Premium


As per maximum Sum Assured multiples*

*Maximum Sum Assured multiple depends on age. For example for age 18 maximum multiple is 40, for age 69 maximum multiple is 7

÷ For your policy to continue for the entire policy term, premiums must be paid until the end of the selected premium payment term. Please assess whether you can afford to pay these premiums before purchasing the policy.

÷ Please note that by opting for higher Sum Assured multiples your policy will be more protection oriented.


06


ICICI Pru Elite Wealth II

Unit linked plan exclusively

for ELITE customers

Get better value for money

Optimize returns

Invest as per your risk appetite

Manage your investments

Insure your family

Key features

Flexibilityof premium

payment

Choice of portfoliostrategies


Choose a personalised portfolio strategy from÷ Fixed Portfolio Strategy: Option to allocate your savings in the funds of your choice÷ LifeCycle based Portfolio Strategy: A unique and personalised strategy to create an

ideal balance between equity and debt, based on your age

Lower effective FMC

Year FMCLoyalty

addition rateApproximate

effective FMC*

6 to 10

11 onwards

1.35%

1.35%

0.40%

0.60%

0.95%

0.75%

Get Loyalty Additions whichreduce your effective FundManagement Charge (FMC)

Wealth boosters

Wealth Boosters will be allocated as extra units at the end of every 5th policy year starting from the end of the 10th policy year.÷ So for a 30 year policy term, Wealth Boosters will be allocated 5 times÷ Each Wealth Booster will be 1.0% of the average of Fund Values

Choice of protection

level

Enjoy the safety of a life cover based on your desired level of protection

Unlimited free switches

Manage your changing financial priorities and investment outlook with unlimited free switches

Income benefit rider

Under this rider, 10% of the rider Sum Assured will be payable on each policy anniversary following death till the end of the policy term.

Loyaltyadditions

6th policy year onwards, you will get rewarded for paying your premiums regularly.÷ This is in the form of extra units at the end of every policy year÷ Each Loyalty Addition will be equal to 0.40% from year 6 - 10 of the average of the Fund

Values. From 11th year onwards, it will be equal to 0.60%÷ Get an additional Loyalty Addition of 0.25% every year from the end of year 6, if all the

premiums for that year have been paid


* This illustration is for all funds other than Money Market Fund for a One Pay or a Five Pay policy. Also, this illustration does not consider service tax and timing implications.

07

ICICI Pru Elite Wealth II

One Pay


0 to 44 years

45 years and above




Note: Sum Assured multiples in between the maximum andminimum limits are not available in One Pay optionFive Pay & Regular Pay

Minimum PremiumRsRs.5,00,000 p.a. for Five Pay and Regular Pay

.5,00,000 for One Pay

Premium Payment Term One Pay, Five Pay & Regular Pay

Policy Term


Minimum entry age: 0Maximum entry age: One Pay and Regular Pay: 70 yearsFive Pay: 55 years

Min / max age at maturity

Minimum maturity age: 18Maximum maturity age: One Pay and Regular Pay: 80 yearsFive Pay: 75 years

One Pay

Five Pay

Regular Pay

All ages

0 years - 45 years

46 years - 55 years

0 years - 45 years

46 years - 55 years

56 years and above

10 years





10 years

Premium paymentoptions

Ages Policy term

Sum Assured


0 to 41 years

42 years onwards



10 X Single premium



Premium Payment modes Single, Yearly, Half-yearly and Monthly


÷ For your policy to continue for the entire policy term, premiums must be paid until the end of the selected premium payment term. Please assess whether you can afford to pay these premiums before purchasing the policy.

÷ Please note that by opting for higher Sum Assured multiples your policy will be more protection oriented.

08Strictly for internal circulation only


ICICI Pru Guaranteed Wealth Protector

Get the power of

EQUITY LINKED RETURNS CAPITAL PROTECTION

+Key features

Invest in the market

without FEAR

Equity exposure

Capital protection

Enjoy equity exposure of up to 60% through Guaranteed Wealth Protector strategy

Protect your savings from market downturns through an Assured Benefit

Premiumpayment term

Pay premium just once or for a limited period of 5 years

Loyaltyadditions

6th policy year onwards, get rewarded with Loyalty additions÷ This is in the form of extra units at the end of every policy year÷ Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values

Life cover Secure your family’s future with the benefit of life insurance cover

Tax benefits Avail tax benefits on premiums paid and benefits received as perthe prevailing tax laws

Wealth boosterWealth Booster will be allocated as extra units at the end of 10th policy year÷ Wealth Booster will be 1.5% (for One Pay policies) or 3.25% (for 5 pay policies) of the

average of Fund Values.

How would your money be invested?

Your money will be invested in 2 funds Your premium will be allocated in the above funds in the proportions set out below. Your Fund Value will also be rebalanced to achieve these proportions once every policy quarter.

Life SecureFundA debt

oriented fund

2Life Growth

FundAn equity

oriented fund

1

09


ICICI Pru Guaranteed Wealth Protector

Policy term 10 years

Sum Assured multiples

Minimum age at entry 8 years

Maximum age at entry One Pay: 70 yearsFive Pay: 60 years

Premium Payment Term

Minimum/ Maximum Premium

Rs 24,000 for annual mode, Rs 48,000 for half yearly &monthly mode/ Unlimited

Premium payment modes Annual, Half-yearly and Monthly

One Pay, Five Pay

Entry age One Pay

8 to 44

45 to 54

>= 55

1.25 for all ages

Five Pay

10

10 or 7

7

Minimum age at maturity 18 years

Maximum age at entry One Pay: 80 yearsFive Pay: 70 years


Benefits in detail

Death Benefits

Loyalty additions

Maturity Benefits

Wealth booster

In the unfortunate event of your death during the term of the policy, your nominee will receive the Death Benefit.Death Benefit would be the maximum of:

Sum Assured

Minimum Death Benefit*

Fund Value

*Minimum death benefit is 105% of total premium paid

On maturity, you will receive the higher of the following two:

including Loyalty Additionsand Wealth Booster

Fund Value Assured benefit

As described below

Assured Benefit will be calculated as follows:÷ For One Pay: 101% of the Single Premium÷ For Five Pay: 101% of the sum of all premiums paidAssured Benefit is applicable only on maturity of the policy and does not apply on death or surrender

6th policy year onwards, get rewarded with Loyalty additions÷ This is in the form of extra units at the end of every

policy year÷ Each Loyalty Addition will be equal to 0.25% of the

average of the Fund Values

Wealth Booster will be allocated as extra units at the end of 10th policy year÷ Wealth Booster will be 1.5% (for One Pay policies) or

3.25% (for Five Pay policies) of the average of Fund Values

10

* For annual mode


ICICI Pru Savings SurakshaGet Guaranteed Maturity Benefit (GMB)

+Accrued Guaranteed Additions (GAs) at policy maturity

Boost your maturity corpus with reversionary bonuses every year and a terminal bonus

Also, get a life cover to secure your family’s future

Protect your capital and

watch it GROW

Key features

Protection

Flexibility

Get life cover for the entire policy term

Choose premium payment term (PPT), premium payment mode, Sum Assured and policy term as per your need

Savings with comfort ofguarantee

At policy maturity, you will receive:÷ Guaranteed Maturity Benefit (GMB)÷ Accrued Guaranteed Additions (GAs) - During each of the first five policy years, GA

equal to 5% of GMB will accrue to the policy÷ Vested reversionary bonuses, if any÷ Terminal bonus, if any

Tax benefits Avail tax benefits on premiums paid and benefits received as per the prevailing tax laws


Premium payment option

Premium Payment Term (yrs)

Min/ Max age at entry

Min/ Max age at maturity

Sum Assured on death

Limited payRegular pay

5 10

Policy Term (years)

Minimum annual premium (Rs)

0/ 60 years

Premium paying mode Annual/ Half-yearly/ Monthly

7 12

10 - 30 15 - 3012 - 30 17 - 30 10 - 30

30,000 12,00018,000 12,000 12,000

18/ 70 years

Age at entry (years)

< 45

45 to 54

> 54

Sum Assured multiple

10 times annual premium

10 times annual premium or



11


ICICI Pru Savings Suraksha

On survival of the life assured till the end of the policy term for a policy on which all due premiums are paid, maturity benefit will be payable:Maturity Benefit = Guaranteed Maturity Benefit (GMB)

+ accrued Guaranteed Additions+ vested reversionary bonuses, if any+ terminal bonus, if any

Maturity Benefit for a policy on which all due premiums are paid shall be at least equal to the total premiums (excluding any extra mortality premium, service tax and cesses) paid by the policyholder.

Maturity benefit

Guaranteed Additions (GAs)

Guaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium.

On the death of the life assured during the policy term (for a premium paying or fully paid) the following will be payable:Death Benefit = Maximum of (A, B, C),Where A = Sum Assured plus accrued Guaranteed Additions and Bonuses*

B = GMB plus accrued Guaranteed Additions and Bonuses*C = Minimum Death Benefit

Death benefit

*Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any.

Benefits in detail

12

Assumed Rate of Return

Maturity benefit at the end of year 15

Lumpsum payout tonominee on death of the

last surviving partner

Annual incomefrom year 16

8%

4%

Rs 16,87,997

Rs 12,24,060

Rs 16,87,997

Rs 12,24,060

Rs 1,29,061 p.a.

Rs 93,495 p.a.


ICICI Prudential Retirement Income Solution IV

How does the solution work?÷ Choose modal premium, premium payment term and premium payment mode ÷ Pay premiums for 5, 7 or 10 years÷ Get lifelong income for you and spouse, starting from the 16th year÷ Leave a lumpsum for your nominee

Non-stop income =Non stop

HAPPINESS

How does RIS IV work?

35 yrs

PremiumsRs 1 lakh p.a.for 10 years

45 yrs 50 yrs

Rs 1.3 Lakh p.a.for life

75 yrs

Rs 1.3 Lakh p.a.continues to spouse

Death ofPolicy holder

80 yrs

Death ofSpouse

Rs 17 lakhs paid tonominee on death of last

surviving partner

Assumptions: Age at entry is 35 years; Policy holder lives till age 75 and spouse lives for 5 more years after that; Rate of investment return: 8%; Annuity option: Joint life, Last Survivor with Return of Purchase Price

This solution is a combination of ICICI Pru Savings Suraksha (UIN:105N135V01) and ICICI Pru Immediate Annuity (UIN: 105N009V06). These products are also available without this combination solution and its not mandatory to apply for this combination only

13


ICICI Prudential Retirement Income Solution IV


Minimum Annual Premium

Maximum Annual Premium

Premium payment term

Policy Tem (Savings Suraksha)

Sum Assured on Death

Min/ Max Age at Entry

Min/ Max Age at Maturity

Premium Payment Mode

Cash Benefit Mode

Rs 50,000

Unlimited

5/ 7/ 10 years

15 years

7 or 10 times based on age at entry

30/ 55 years

45/ 70 years

Annual/ Half-Yearly/ Monthly

Annual/ Monthly

1 This combination solution comprises a 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 to apply for this combination only. Please go through the individual benefit illustrations of the product that you have to purchase at inception of the solution.

2 This is not a product brochure. Please go through the product brochure of ICICI Pru Savings Suraksha (UIN: 105N135V01) and ICICI Pru Immediate Annuity (UIN: 105N009V06) for understanding the risk factors, product terms and conditions as briefly indicated below:a. ICICI Pru Savings Suraksha: Premium payment term, reversionary bonus, terminal bonus, death benefit, maturity benefit, premium discontinuance,

policy revival and surrender etc.b. ICICI Pru Immediate Annuity: Annuity options, Purchase price etc.

3 The individual products under this solution have certain product features like Annuity options, Maturity Benefit etc.which offer options beyond the ones assumed in the benefit illustrations shown here. Your choice with respect to these will not be restricted to what has been shown here and you will be able to choose from all the options available at the time of purchase of the respective products.

4 For ICICI Pru Savings Suraksha, as per the Finance Act 2012, all policies issued from April 1, 2012, with premium to sum assured ratio of less than 1:10 and where death benefit at any time is less than 10 times premium, will not be eligible for tax benefit under section 10 (10D) of the Income Tax Act. Further tax benefit u/s 80C for such policy will be limited only up to 10% of Sum Assured. Tax benefits under the policy are subject to conditions under Sec.10 (10D) and Sec. 80C of the Income Tax Act, 1961.

5 For the purpose of illustrations, we have assumed 8% and 4% as the rates of investment returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy depends on a number of factors including future investment performance.

6 The regular income benefit through ICICI Pru Immediate Annuity (UIN: 105N009V06) plan will be applicable subject to the following conditions.÷ It is your sole responsibility to utilize the maturity benefit of ICICI Pru Savings Suraksha to purchase ICICI Pru Immediate Annuity subject to the

availability of the plan at that point of time.÷ Annuity rates are subject to change from time to time. Your actual annuity amount will depend on the prevailing annuity rates at the time of

purchase of ICICI Pru Immediate Annuity plan.÷ You have the flexibility to choose any of the annuity options offered by ICICI Prudential at the time of your vesting.

7 It is not mandatory to purchase ICICI Pru Immediate Annuity or a similar product with the maturity benefit of ICICI Pru Savings Suraksha, if you do not wish to get the regular income benefit.

8 The benefits available under this solution shall be as per the product policy terms and conditions.9 Service Tax and education cess as per applicable rates will be charged over and above the policy premiums. The tax laws are subject to amendments

from time to time.

Terms and conditions

14


ICICI Pru Wealth Builder II

15

÷ Decide your premium amount and the premium payment option÷ Select the Sum Assured as per your protection needs÷ Choose 1 of the two available portfolio strategies÷ On maturity of your policy, receive your maturity benefit as a lump sum or as a structured payout

through settlement option to meet your financial goals÷ In case of your unfortunate death during the policy term, your family will get the death benefit



A plan thatdoublesWEALTH for you

Automatic Transfer strategy

Multiple fund options

Optimise your returns with ATS. It systematically transfers your money from debt to equity at regular intervals to help you tide over market fluctuations.

You can also invest in the funds of your choice from a diverse suite of 7 funds

Flexibility ofpremium payment


6th policy year onwards, get rewarded for paying your premiums regularly.÷ This is in the form of extra units at the end of every policy year÷ Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values÷ Get an additional Loyalty Addition of 0.25% every year from the end of year 6, if all

the premiums for that year have been paid

Loyalty additions

Choose the level of protection that suits your needsChoice of protection level

Wealth Boosters will be allocated as extra units at the end of every 5th policy year starting from the end of the 10th policy year.÷ So for a 30 year policy term, Wealth Boosters will be allocated 5 times÷ Each Wealth Booster will be 1.5% for One Pay policies and 3.25% for Limited Pay and

Regular Pay policies of the average of Fund Values

Wealth boosters

Under this rider, 10% of the rider Sum Assured will be payable on each policy anniversary following death till the end of the policy term.

Incomebenefit rider


Tax benefit Avail tax benefits on premiums paid and benefits received as per the prevailing tax laws


ICICI Pru Wealth Builder II

16

One Pay


0 to 44 years

45 years and above




Note: Sum Assured multiples in between the maximum and minimum limits are not available in One Pay optionLimited Pay & Regular Pay

Minimum Premium One Pay: Rs 48,000Limited Pay & Regular Pay: Rs 48,000

Policy Term


Minimum entry age: 0Maximum entry age: One Pay: 69 years; Limited Pay: 55 years;Regular Pay: 65 years

Min / max age at maturityMinimum maturity age: 18Maximum maturity age: One Pay: 79 years; Limited Pay: 69 years;Regular Pay: 75 years

Age Policy term

0 - 3940 - 5455 and above

10, 15, 20, 2510, 1510

Sum Assured


0 to 33 years34 years onwards



10 X Single premium



One Pay: 10 yearsLimited Pay & Regular Pay

Policy Payment Term

Premium payment option Premium payment term

One PayLimited PayRegular Pay

Single premium5, 7 or 10 yearsEqual to policy term

Maximum Premium Unlimited

Premium payment modes Single, Annual, Half-yearly and Monthly


SALES KITSelling stories


Your child’s future

Story No. 1

Future cost of educationHave you thought of/ planned and saved enough for your kid's education considering today's rate of inflation and what would it be later?

Average cost of higher studies abroad is Rs. 20,00,000

Cost of education today

Period Cost15 years hence Rs. 1.25 Cr

Future cost of education

Apko apne bache ka bhavishya kitna pyara hai?An early start to regular savings can secure your child’s higher education against rising costs

Concern: Rising cost of weddingsAll parents start dreaming of their kid's wedding the day baby is born & parallely start saving for the biggest occasion of their lives.

An Indian wedding is an extravagant affair!

Jewellery Gifts Functions

Today’s cost of a wedding is Rs. 50,00,000

Rising cost of a wedding

Period Cost15-20 years hence Rs. 1.3-1.4 Cr

Future cost of wedding

Are you saving enough to gift a memorable wedding to your child??

Story No. 2

17

Wealth creation

Story No. 1

Customer needs can be short term (<=5 years) or long term (>=10 years)

Short term Long term

Mobile phone Vacation House Car Education Marriage Retirement Health

Postpone, Decline or Adjust

What if you did not have money at any juncture (short and long term) goals, what will you choose?

Are you really prepared??

Story No. 2

Pick up any current affair and ask the customer what he/she feels about it. For instance, right now the burning topic amongst everyone is “Elections”

Build on that and pitch ICICI Pru Guaranteed Wealth Protector with the punch line

“Return Aapka, Risk Mera”

Let us understand IPRU Funds returns vs IPRU funds vs MF funds

ICICI Pru Elite Wealth II as a product is a better proposition for a customer vs MFs and MF + Term in 10 years plus scenario (explain this with an illustration)

The RIY of ICICI Pru Elite Wealth II which includes all charges like Policy Admin Charges, FMC etc plus mortality and Service Tax is better than MF and MF + Term.

Story No. 3

Strictly for internal circulation only 18

Retirement planning

Story No. 1

Survival storyYou ever thought with growing inflation, will you be able to feed yourself 2 proper meals per day post retirement. Today, a basic meal for one person / day costs Rs. 200.

A B C D

Duration No. of days Per day cost Total cost (for 2 people)

Daily 1 200 400

Yearly 365 400 1.46L

Cost for 20 years 7300 400 29.2L

Cost of food if inflation rises @ 10%:

After 10 years Rs 500 per person

After 20 years Rs 1300 per person

Are you really prepared??

Story No. 2

Have you planned your 2nd innings well enough?

As this basic question to the customer

India (then) 36 Cr

India (now) 121 Cr

Population

12%

77%

Literacy rate

Life ExpectancyThen: A person used to start working at age of 20 and retire at 58 which means a person used to earn for 38 years and spend rest of 10 years of his age post retirement conveniently with money he used to get as pension including the security of staying in a joint family

Today: An individual starts his career at age of 27-28 and retires at age of 50 which means 25 years of working. Number of working years. He / she has to survive another 27 years without any security and pension

Have you planned your retirement?


SALES KITFunds

Funds


The performance of our equity funds has been superior as compared to the performance of gold and silver in last 1 year, 2 years and 5 years

Performance - 1 year (Equity funds v/s Gold v/s Silver)


30%

25%

20%

15%

10%

5%

0%

-5%

Ending June 30, 2014Annualized returns for Series II

Maximiser Flexi growth RICH Multiplier GOLD SilverDynamic P/E

10%

30%

40%

20%

0%

-10%

Maximiser Flexi growth RICH Multiplier Dynamic P/E Gold Silver

Ending June 30, 2014Series II


Ending June 30, 2014Annualised returns for Series II


Maximiser Flexi growth RICH Multiplier GOLD Silver

15%

10%

5%

0%

Maximiser & Protector has outperformed the benchmark for multiple time periods

Fund performance Benchmark40.0%

30.0%

20.0%

10.0%

0.0%

1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years

Ending March 31, 2014Annualized returns for Series II

Funds

Performance - Maximiser (1 year to 10 years)


Performance - Protector (1 year to 10)

Maximiser fund has been among the better performing insurance funds (1 year, 3 years and 5 years)

10.0%

8.0%

6.0%

4.0%

2.0%

0.0%

Ending June 30, 2014Annualized returns for Series II

Performance - 1 year (Maximiser)

45.0%

30.0%

15.0%

0.0%

Ending June 30, 2014

Funds

1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 YearsSB

I Lif

e Eq

uit

y Fu

nd

Pen

sio

n M

axim

iser

Fu

nd

(Se

ries

2)

HD

FC L

ife

Pen

sio

n G

row

th F

un

d

HD

FC L

ife

Gro

wth

Fu

nd

Baj

aj A

llian

z Eq

uit

y P

lus

Fun

d

Rel

ian

ce L

ife

Equ

ity

Fun

d

Max

imis

er F

un

d (

Seri

es 5

)

Baj

aj A

llian

z Eq

uit

y G

row

th F

un

d

Max

imis

er F

un

d (

Seri

es 5

)

Bir

lasu

nlif

e M

axim

iser

Fu

nd

Ko

tak

Life

Agg

Gro

wth

Fu

nd

BSE

10

0

Max

Lif

e G

row

th S

up

er F

un

d

Can

ara

HSB

C L

ife

Equ

ity

Fun

d

TATA

AIA

Eq

uit

y Fu

nd

SBI L

ife

Equ

ity

Ind

ex F

un

d

PN

B M

et L

ife

Mu

ltip

lier

Fun

d


Performance - 3 years (Maximiser)

Ending June 30, 2014Annualised returns

Performance - 5 years (Maximiser)

Ending March 31, 2014Annualized returns

18.0%

6.0%

0.0%

Baj

aj A

llian

z Eq

uit

y G

row

th F

un

d

Baj

aj A

llian

z Eq

uit

y P

lus

Fun

d

Pen

sio

n M

axim

iser

Fu

nd

(Se

ries

2)

SBI L

ife

Equ

ity

Fun

d

Max

imis

er F

un

d (

Seri

es 2

)

Rel

ian

ce L

ife

Equ

ity

Fun

d

Ko

tak

Life

Agg

Gro

wth

Fu

nd

SBI L

ife

Equ

ity

Ind

ex F

un

d

TATA

AIA

Eq

uit

y Fu

nd

BSE

10

0

Can

ara

HSB

C L

ife

Equ

ity

Fun

d

Max

Lif

e G

row

th S

up

er F

un

d

HD

FC L

ife

Gro

wth

Fu

nd

HD

FC L

ife

Pen

sio

n G

row

th F

un

d

PN

B M

et L

ife

Mu

ltip

lier

Fun

d

Bir

lasu

nlif

e M

axim

iser

Fu

nd

18.0%

6. 0%

0. 0%

Baj

aj A

llian

z Eq

uit

y G

row

th F

un

d

Baj

aj A

llian

z Eq

uit

y P

lus

Fun

d

SBI L

ife

Equ

ity

Fun

d

Max

imis

er F

un

d (

Seri

es 2

)

Pen

sio

n M

axim

iser

Fu

nd

(Se

ries

2)

Rel

ian

ce L

ife

Equ

ity

Fun

d

Ko

tak

Life

Agg

Gro

wth

Fu

nd

TATA

AIA

Eq

uit

y Fu

nd

Max

Lif

e G

row

th S

up

er F

un

d

BSE

10

0

HD

FC L

ife

Gro

wth

Fu

nd

HD

FC L

ife

Pen

sio

n G

row

th F

un

d

PN

B M

et L

ife

Mu

ltip

lier

Fun

d

Bir

lasu

nlif

e M

axim

iser

Fu

nd

Funds

12.0%

12.0%


Performance - 1 year (Protector/Income)

Funds

8.0 0%

6.0 0%

4. 00%

2. 00%

0. 00%

I Pru

Pro

tect

or

II

I Pru

Pen

sio

n P

rote

cto

r II

Max

Sec

ure

d

I Pru

Pen

sio

n In

com

e

I Pru

Inco

me

SBI B

on

d P

ensi

on

Baj

aj B

on

d P

ensi

on

SBI B

on

d

Baj

aj B

on

d

Tata

AIA

Inco

me

Bir

la In

com

e

CR

ISIL

HD

FC S

ec M

angd

Pen

sio

n

Rel

ian

ce P

ure

Deb

t I

HD

FC S

ec M

ngd

Inv

Life

II

Ko

tak

Dyn

amic

Bo

nd

PN

B M

etLi

fe P

rote

cto

r

Can

ara

HSB

C D

ebt

Performance - 3 years (Protector/ Income)


10.00%

8.00%

6.00%

4.00%

2.00%

0.00%

I Pru

Pro

tect

or

II

I Pru

Pen

sio

n P

rote

cto

r II

I Pru

Pen

sio

n In

com

e

Max

Sec

ure

d

I Pru

Inco

me

SBI B

on

d P

ensi

on

SBI B

on

d

Baj

aj B

on

d P

ensi

on

Ko

tak

Dyn

amic

Bo

nd

HD

FC S

ec M

angd

Pen

sio

n

Tata

AIA

Inco

me

Baj

aj B

on

d

HD

FC S

ec M

ngd

Inv

Life

II

Bir

la In

com

e

CR

ISIL

Rel

ian

ce P

ure

Deb

t I

Can

ara

HSB

C D

ebt

PN

B M

etLi

fe P

rote

cto

r


Protector/ Income fund has been among the better performing insurance funds (1 year, 3 years and 5 years)


Funds

Performance - 5 years (Protecor/ Income)


Performance Maximiser v/s Mutual funds (1 year)


9.00%

6.00%

0.00%

I Pru

Pro

tect

or

II

I Pru

Pen

sio

n P

rote

cto

r II

Max

Sec

ure

d

SBI B

on

d P

ensi

on

Baj

aj B

on

d P

ensi

on

SBI B

on

d

Baj

aj B

on

d

HD

FC S

ec M

angd

Pen

sio

n

Ko

tak

Dyn

amic

Bo

nd

Tata

AIA

Inco

me

HD

FC S

ec M

ngd

Inv

Life

II

Bir

la In

com

e

Rel

ian

ce P

ure

Deb

t I

CR

ISIL

Can

ara

HSB

C D

ebt

PN

B M

etLi

fe P

rote

cto

r

60.0%

40.0%

20.0%

0.0%

3.00%

Rel

ian

ce G

row

th F

un

d

HD

FC t

op

20

0

Bir

la S

L Fr

on

tlin

e Eq

uit

yFu

nd

Pen

sio

n M

axim

iser

Fu

nd

(Ser

ies

2)

UTI

Op

po

rtu

nit

ies

Fun

d

Max

imis

er F

un

d (

Seri

es 2

)

Max

imis

er F

un

d (

Seri

es 5

)

DSP

BR

To

p 1

00

Eq

uit

y Fu

nd

-Reg

BSE

10

0

Fran

klin

Ind

ia B

luec

hip

Fu

nd

ICIC

I Fo

cuss

ed B

lue

Ch

ip

SBI B

luec

hip

Fu

nd

- R

eg

The performance of Maximiser and Protector/ Income funds has been either competitive or superior to mutual fund peers (1 year, 3 years and 5 years)


Funds

Performance - Maximiser vs Mutual funds (3 years)

18.0%

15.0%

12.0%

9.0%

3.0%

0.0%

Performance –Maximiser vs Mutual funds (5 years)

Pen

sio

n M

axim

iser

Fu

nd

(Ser

ies

2)

Max

imis

er F

un

d (

Seri

es 5

)

ICIC

I Fo

cuss

ed B

lue

Ch

ip

UTI

Op

po

rtu

nit

ies

Fun

d

HD

FC t

op

20

0

SBI B

lueC

hip

Fu

nd

-Reg

BSE

10

0

Fran

klin

Ind

ia B

luec

hip

Fu

nd

Rel

ian

ce G

row

th F

un

d

DSP

BR

To

p 1

00

Eq

uit

y Fu

nd

-Reg

Bir

la S

L Fr

on

tlin

e Eq

uit

y Fu

nd

20.0%

15.0%

10.0%

5.0%

0.0%


UTI

Op

po

rtu

nit

ies

Fun

d

SBI B

lueC

hip

Fu

nd

-Reg

Bir

la S

L Fr

on

tlin

e Eq

uit

y Fu

nd

Pen

sio

n M

axim

iser

Fu

nd

(S

erie

s 2

)

Fran

klin

Ind

ia B

luec

hip

Fu

nd

Max

imis

er F

un

d (

Seri

es 2

)

HD

FC t

op

20

0

DSP

BR

To

p 1

00

Eq

uit

y Fu

nd

-Reg

BSE

10

0

Rel

ian

ce G

row

th F

un

d

ICIC

I Fo

cuss

ed B

lue

Ch

ip


6.0%


FundsFunds

Performance - Protector/ Income vs Mutual funds (3 years)


Performance - Protector/ Income vs Mutual funds (5 years)

Ending March 31, 2014Annualised returns

UTI

Bo

nd

Fu

nd

I Pru

Pro

tect

or

II

Tem

ple

ton

Ind

ia IB

A

I Pru

Pen

sio

n p

rote

cto

r II

SBI M

agn

um

Inco

me

Fun

d

CR

ISIL

Ko

tak

Bo

nd

Sch

eme

- P

lan

A

ICIC

I Pru

den

tial

Inco

me

Fun

d

Bir

la S

un

life

Inco

me

Fun

d

TATA

Inco

me

Fun

d -

Pla

n A

Rel

ian

ce In

com

e Fu

nd

- R

etai

l

IDFC

SSI

F -

Invt

Pla

n

HD

FC In

com

e Fu

nd

12.0%

10.0%

8.0%

6.0%

4.0%

2.0%

0.0%

TI P

ru P

ensi

on

Inco

me

Tem

ple

ton

Ind

ia IB

A

I Pru

Pro

tect

or

II

I Pru

Pen

sio

n P

rote

cto

r II

UTI

Bo

nd

Fu

nd

SBI M

agn

um

Inco

me

Fun

d

I Pru

Inco

me

Rel

ian

ce In

com

e Fu

nd

- R

etai

l

HD

FC In

com

e Fu

nd

ICIC

I Pru

den

tial

Inco

me

Fun

d

Ko

tak

Bo

nd

Sch

eme

- P

lan

A

CR

ISIL

Bir

la S

un

Lif

e In

com

e P

lus

Tata

Inco

me

Fun

d -

Pla

n A

IDFC

SSI

F -

Invt

Pla

n

10.0%

8.0%

6.0%

4.0%

2.0%

0.0%

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