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Overview

‣ ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank - one of India's foremost financial services companies-and Prudential plc - a leading international

financial services group headquartered in theUnited Kingdom.

‣ Operations started in December 2000

‣ Nation-wide reach includes 1,960 branches(inclusive of 1,096 micro-offices), over237,000 advisors; and 6 bancassurancepartners.

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Type of Insurance Plans

‣ Insurance plan are spread across multiple categories,catering different needs of different individuals.Insurance

Plans can be broadly divided into following threecategories.

• Life Insurance

• Retirement Plans

• Health Insurance

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Life Insurance Plan

‣ Life insurance products assure your family willreceive financial support, even in your absence.

Life Insurance Plan can be further divided into followingcategories

• Education Insurance Plans

• Wealth Creation Plans

• Protection Plans

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Life Insurance Plan

‣ Educational Insurance Plan- ICICI Pru SmartKid Assure

- ICICI Pru SmartKid Maxima

- ICICI Pru SmartKid Regular

Premium

‣ Wealth Creation Plan

- ICICI Pru LifeStage Wealth

- ICICI Pru ACE- ICICI Pru Premier Wealth

- ICICI Pru Assure Wealth

- ICICI Pru LifeTime Maxima

- ICICI Pru Pinnacle

‣ Protection Plans

- Pure Protect

- LifeGuard

- Save'n'Protect

- CashBak

- Home Assure

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Health Insurance

‣ Health insurance policies insure you againstseveral illnesses and guarantee you stayfinancially secure should you ever requiretreatment.

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Health Insurance Products

‣ Comprehensive health coverage

- Health Saver

‣ Hospitalisation coverage

- MediAssure

- Hospital Care

‣ Critical Illness coverage

- Crisis Cover

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Unit Link Insurance Plan -ULIP

‣ Retirement

‣ Wealth

- Single premium - Regular premium plan

- Guarantee plans – Non guarantee plans

- Life Stage based – Non life Stage based

‣ Children’s Education

‣ Health

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ULIP Charges

‣ Policy administration charges

‣ Premium allocation charges

‣ Mortality charges

‣ Fund management charges

‣ Riders

‣ switch

‣ Top up

‣ Surrender

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Comparative StudyULIP Policies

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Minimum Premium Amount

Policy NamePolicy Name Min Premium AmountMin Premium Amount(p.a)(p.a)

Mortality charges (30Mortality charges (30yrs)yrs)

Education Solutions

ICICI Pru SmartKid Assure Rs. 15,000 1.46

ICICI Pru SmartKid Maxima Rs. 12,000 1.46

Wealth Creation Plans

ICICI Pru LifeStage Wealth Rs. 20,000 1.46

ICICI Pru ACE Rs. 18,000 1.46

ICICI Pru Premier Wealth Rs. 18,000 1.46

ICICI Pru Assure Wealth Rs. 12,000 1.46

ICICI Pru LifeTime Maxima Rs. 24,000 1.46

ICICI Pru Pinnacle Rs. 50,000 1.46Retirement Solutions

ICICI Pru LifeTime Pension Maxima Rs. 10,000 1.46

ICICI Pru LifeStage PensionAdvantage

Rs. 15,000 1.46

ICICI Pru Elite Pension II Rs. 3,00,000 1.46

ICICI Pru Assure Pension Rs. 15,000 1.46

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Premium Allocation ChargesPolicy NamePolicy Name 1st Year1st Year 2nd Year2nd Year 3rd Year3rd Year 4th Year4th Year 5th Year5th Year 6th Year6th Year

Education Solutions

ICICI Pru SmartKid Assure 100% Nil Nil Nil Nil Nil

ICICI Pru SmartKid Maxima 15% 10% 8% 6% 6% 4%onward

Wealth Creation Plans

ICICI Pru LifeStage Wealth Nil Nil Nil Nil Nil NilICICI Pru ACE Nil Nil Nil Nil Nil Nil

ICICI Pru Premier Wealth 6% 4% 4% Nil Nil Nil

ICICI Pru Assure Wealth 100% 4% 4% 4% 4% Nil

ICICI Pru LifeTime Maxima 8% 3% 3% Nil Nil Nil

ICICI Pru Pinnacle 14% 4% 2% Nil Nil Nil

Retirement Solutions

ICICI Pru LifeTime PensionMaxima

20% 6% Nil Nil Nil Nil

ICICI Pru LifeStage PensionAdvantage

Nil Nil Nil Nil Nil Nil

ICICI Pru Elite Pension II 15% Nil Nil Nil Nil Nil

ICICI Pru Assure Pension 100% Nil Nil Nil Nil Nil

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Fund Management Charges(FMC)

Policy NamePolicy Name Money market FundMoney market Fund Other FundsOther Funds

Education Solutions

ICICI Pru SmartKid Assure 0.75 p.a. 1.35 p.a.

ICICI Pru SmartKid Maxima 0.75 p.a. 1.35 p.a.

Wealth Creation Plans

ICICI Pru LifeStage Wealth 0.75 p.a. 1.35 p.a.

ICICI Pru ACE 0.75 p.a. 1.35 p.a.

ICICI Pru Premier Wealth 0.75 p.a. 1.35 p.a.

ICICI Pru Assure Wealth 0.75 p.a. 1.35 p.a.

ICICI Pru LifeTime Maxima 0.75 p.a. 1.35 p.a.

ICICI Pru Pinnacle 0.75 p.a. 1.35 p.a.

Retirement Solutions

ICICI Pru LifeTime Pension Maxima 0.75 p.a. 1.35 p.a.

ICICI Pru LifeStage PensionAdvantage

0.75 p.a. 1.35 p.a.

ICICI Pru Elite Pension II 0.75 p.a. 1.35 p.a.

ICICI Pru Assure Pension 0.75 p.a. 1.35 p.a.

here will be an additional charge for the investment guarantee of 0.25%

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Policy Administration ChargePolicy NamePolicy Name Policy Administration ChargesPolicy Administration Charges Applicable YearsApplicable Years

Education Solutions

ICICI Pru SmartKid Assure Rs. 60 per month 2 to 5 year

ICICI Pru SmartKid Maxima Rs. 80 per month 1 to 5 year

Wealth Creation Plans

ICICI Pru LifeStage Wealth 2.64% to 2.16% of sum assured PerMonth

1 to 5 year

ICICI Pru ACE Rs. 60 per month Term of the Policy

ICICI Pru Premier Wealth 0.4% to 0.3% per month of AnnulPremium

1 to 5 year

ICICI Pru Assure Wealth Rs. 50 per month 2 to 10 year

ICICI Pru LifeTime Maxima 0.90% per month (< 1,00,000) 1 to 5 year

ICICI Pru Pinnacle 0.6% to 0.40% per month of AnnulPremium

1 to 3 year

Retirement Solutions

ICICI Pru LifeTime PensionMaxima

0.75% to 0.3% per month of AnnualPremium

1 to 5 year

ICICI Pru LifeStage PensionAdvantage

1.1% to 0.9% per month of AnnualPremium

1 to 5 years

ICICI Pru Elite Pension II 0.4% per month of Annual Premium 1 to 3 year

ICICI Pru Assure Pension Rs. 60 per month 2 to 5 year

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Other Charges

Policy NamePolicy Name Switching ChargesSwitching Charges MiscellaneousMiscellaneousChargesCharges

Education Solutions

ICICI Pru SmartKid Assure 4 Free, Next Rs 100 per switch Policy Alteration Rs 250

ICICI Pru SmartKid Maxima 4 Free, Next Rs 100 per switch Policy Alteration Rs 250

Wealth Creation Plans

ICICI Pru LifeStage Wealth 4 Free, Next Rs 100 per switch Policy Alteration Rs 250

ICICI Pru ACE 4 Free, Next Rs 100 per switch Policy Alteration Rs 250

ICICI Pru Premier Wealth 4 Free, Next Rs 100 per switch Policy Alteration Rs 250

ICICI Pru Assure Wealth 4 Free, Next Rs 100 per switch Policy Alteration Rs 250

ICICI Pru LifeTime Maxima 4 Free, Next Rs 100 per switch Policy Alteration Rs 250

ICICI Pru Pinnacle N/A Policy Alteration Rs 250Retirement Solutions

ICICI Pru LifeTime PensionMaxima

4 Free, Next Rs 100 per switch Policy Alteration Rs 250

ICICI Pru LifeStage PensionAdvantage

4 Free, Next Rs 100 per switch Policy Alteration Rs 250

ICICI Pru Elite Pension II 4 Free, Next Rs 100 per switch Policy Alteration Rs 250

ICICI Pru Assure Pension 4 Free, Next Rs 100 per switch Policy Alteration Rs 250

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Policy NamePolicy Name AdditionaAdditionall

AllocatioAllocatio

nn

LoyalityLoyalityAddAdd

MaturityBenefit

s

CoverCoverContinuContinu

ee

SwitchSwitch StrategStrategyy

ChangeChange

ss

 Top TopUpUp

FlexiFlexiRetireRetireDateDate

+/-+/-SumSum

AssuredAssured

SettleSettlementment

OptionsOptions

GarunGarunteeteeAddAdd

Education

SmartKidAssure

 Y N Y Y Y Y Y N Y Y N

SmartKidMaxima

N N Y Y Y Y Y N Y Y Y

Wealth

LifeStageWealth

 Y N Y N Y Y Y N N Y N

ACE  Y Y Y Y Y Y Y N Y Y N

Premier Wealth  Y Y Y N Y Y Y N Y Y N

Assure Wealth  Y N N Y Y Y Y N Y N Y

LifeTime

Maxima

 Y Y N Y Y Y Y Y Y N N

Pinnacle  Y N N N N N N N Y N Y

Retirement

PensionMaxima

 Y Y N Y Y Y Y Y Y N N

PensionAdvantage

 Y N N N Y Y Y Y Y N N

Elite Pension II N Y N Y Y Y Y N N N

Assure Pension  Y N N Y Y Y Y Y Y N Y

Comparison of Policy Benefits

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Comparative Analysis

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Comparative Analysis

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Comparative Analysis

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Thank You!!