IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

Features of ICICI Pru LifeTime Classic

ICICI Pru LifeTime Classic is a plan which is designed to give you life cover and help you grow
your wealth over the long-term. This policy is unit linked which means that the benefits you
receive will depend on the performance of the fund(s) you have selected.

This document has been designed to explain you some of the key features of your policy. For a
complete understanding on these features we request you to go through the Policy Document.

1 How does this plan work?

At the time of entering this policy, you would have made three important choices:
The premium amount that you will pay, i.e. Premium amount
The number of years for which you will pay premium, i.e. Premium Payment term
The number of years after which your policy matures i.e. Policy term
Your premium will get invested in the funds of your choice, after deduction of charges. Your investment
10 years i.e. in Jan
will grow as per the returns earned by these funds. At the end of 46 Mar2071
2027 your policy will mature
and a lump sum amount which is equal to your fund value will be paid out to you.

201
2 What is the premium that I have to pay and for how many years?
6 ____________________
Your policy premium is to be paid every month/ 6 months for 10
10 years. Your premium amount is
` 15,000/-
1111

3 How will my money be invested in this policy?

You have chosen Fixed Portfolio Strategy. This means that the funds will be invested in your policy as
per your choice.
This plan comes with a suite of multiple funds. You can also switch from one fund to another and
make 4 switches in a year free of cost. Over time, the fund value reflects the returns earned by the
fund(s) selected by you.
For details of the funds that you are currently invested in refer your Premium receipt. To know more
about your investment strategy refer Part E of your Policy Document.

4 What are the benefits that I get from this policy?

(A) Maturity Benefit: At the end of your Policy term, i.e. in Jan
Mar2071
2027 you will get your Fund
Value as the Maturity Benefit. Your Fund Value will be determined by the returns earned
by the fund(s) you have selected. `
There are 2 aspects that can help increase your Fund Value, which are as follows:

Loyalty Additions: Starting from the end of 6th policy year, Jan 2031 we will add extra units worth 0.1% of your
average fund value, till the end of your policy term. Jan 2071
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.

Wealth Boosters: At the end of the 10th policy year, i.e. in Jan
Mar2035
2018, additional units worth 1% of your Fund Value
Value will be added to your policy. It will be added at the end of every fifth policy year starting from the end of
the tenth policy year.
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 enhance your Maturity Benefit. So stay invested and pay all your premiums
to get these benefits. You can choose to get your Maturity Benefit as a lump-sum or spread over a period of time.
As per the features of this policy, the Maturity Benefit you receive will be tax-free subject to conditions under
Section 10(10D) and prevailing tax laws.
(B) Partial Withdrawal Benefit: In case of any sudden requirement of money, you can withdraw money `
`
from your Fund Value. This feature is called Partial Withdrawal. You can make a Partial Withdrawal after
5 years. After Jan
Mar 2030
2015, you can withdraw up to 20% of your Fund Value. For further details refer Part D
- point 5 of your Policy Document.
(C) Life Insurance Benefit: In this policy, if the person whose life is covered dies during the policy term,
we will pay the person specified in your policy (the nominee) a lump-sum.
This amount will depend on three factors:
A. Sum Assured which is `3,00,000/-
10,00,000/-
B. Fund Value at the time of death
C. 105% of total premiums paid till the time of death

The amount paid will be the maximum of A+ B or C

Your nominee can file a claim by visiting the claims section on our website www.iciciprulife.com

5 What are the charges I pay for this policy?

Premium Allocation Charge: It is deducted from the premium amount before allocation of
units to the funds linked to your policy. The premium allocation charge for your policy is as
R GES follows:
CHA
Year 1 Year 2-3 Year 4 Year 5-7 Thereafter
` 6%
Refer to Part E
5% 4.5%
point 1 of the Policy Document to learn about this charge.
4% 2%

Policy Administration Charge: It is levied every month as a percentage of premium. The policy
administration charge for your policy will be as follows:
Year 1-5 0.1% p.m. (1.2% p.a.)
Thereafter 0.20% p.m. (2.40% p.a.)
Refer to Part E point 1 of the Policy Document to learn about this charge.

Fund Management Charge (FMC): This is a percentage of your Fund Value. FMC for Money Market Fund is 0.75%
p.a. For the remaining funds that you can choose from in this policy, the FMC is 1.35% p.a.
Mortality Charge: This is the cost of your life insurance cover. This will vary depending on your age, fund value and
your life insurance cover.

What happens if I pay premiums for lesser number of years than what
6 I had chosen or decide to close the policy before maturity?
It is in your best interest that you pay premiums and stay invested in your policy till Jan
Mar2071
2018. If you stop
paying premiums or close your policy, you will lose benefits such as Loyalty Additions and Wealth Boosters,
amongst others.
If you want to close your policy after completion of 5 years, your fund value will be paid out to you and
your policy will be closed.
If you want to close your policy before completion of 5 years, Fund Value including Top-up Fund Value, if
any, shall be transferred to the Discontinuance Fund after deduction of applicable Discontinuance Charge
and will be paid out at the end of the lock in period. For more details refer to Part D point 14 of your
Policy Document.

“The values appearing in this feature document are based on the information provided and the type of cover sought by you in the duly filed proposal
form. It is pertinent to note that any change affected by you in the details provided in the proposal form may lead to a change in the benefits or
premium payable under this policy.” COMP/DOC/Jul/2020/107/3944

ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN: L66010MH2000PLC127837.
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.
Registered Address: 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Reg No: 105. Tax laws are subject to amendments from time to time. Please
refer your policy document for more details of this policy. UIN:105L155V10. COMP/DOC/Jul/2018/317/1481.
Benefit Illustration For ICICI Pru Life Time
Classic
This shall form a part of the policy document

Proposal No :
Name of the Policyholder : Mr. ASHUTOSH KUMAR Name of the Product : ICICI Pru Life Time Classic
Tag Line : A Non-Participating Linked
Individual Savings Life Insurance Plan
Age of the Policyholder : 30-Jun-2000 (24 Years) Gender of the : MALE
Policyholder
Name of the Life Assured : Mr. ASHUTOSH KUMAR Unique Identification No : 105L155V10
Age of the Life Assured : 30-Jun-2000 (24 Years) GST Rate : 18 %
Gender of the Life Assured : MALE
1
Sum Assured : Rs 300,000/- Portfolio Strategy : Fixed
Policy Term : 46 Years Funds Opted for : Value Enhancer Fund: 40 %
: Maximiser Fund V: 30 %
: Mid Cap Hybrid Growth Fund: 30 %
Premium Payment Term : 10 Years Risk Level : High
Amount of Base Instalment Premium : Rs 15,000/- Sales Channel : Agency
Annualised Base Premium : Rs 30,000/-
Premium Payment Option : Limited Pay
Mode of payment of premium : Half-Yearly

How to read and understand this benefit illustration?

This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges and taxes, may
grow over the years of the policy term if the fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% p.a. and 4% p.a. are assumed only
for the purpose of illustrating the flow of benefits if the returns are at this level. It should not be interpreted that the returns under the plan are going
to be either 8% p.a. or 4% p.a.

Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges,
underwriting extra, if any, guarantee charges and cost of rider, if deducted by cancellation of units. It demonstrates the impact of charges exclusive
of taxes on the net yield. Please note that the mortality charges per thousand sum assured in general, increases with age.

The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of
riders etc. The investment risk in this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales literature
carefully.

Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death
benefit, at two assumed rates of return. Part B of this statement presents a detailed break-up of the charges, and other values.

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your Insurer carrying on Life
Insurance business. If your policy offers guaranteed returns then these will be clearly marked "guaranteed" in the illustration table on this page. If
your policy offers variable benefits 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 the upper or lower limits of what you might get back, as the value of your policy is
dependant on a number of factors including actual future investment performance.

Part A: Year on year summary of charges deducted under the policy, fund value, surrender value and the death benefit payable at the end of
respective years, at two assumed rates of return i.e. 4% p.a. & 8% p.a.
(Amount in Rupees.)
At 4% p.a. Gross Investment Return At 8% p.a. Gross Investment Return
Policy Annualized Mortality Other Applicabl Fund at End Surrender Death Benefit Mortality Other Applicabl Fund at End Surrender Death Benefit
Year Premium Charge Charges* e Taxes of Year Value Charge Charges* e Taxes of Year Value
1 30,000 336 2,430 498 27,546 0 327,546 336 2,425 497 28,359 0 328,359
2 30,000 335 2,499 511 56,117 0 356,117 335 2,498 511 58,907 0 358,907
3 30,000 335 2,877 580 85,375 0 385,375 335 2,896 583 91,412 0 391,412
4 30,000 336 3,117 623 115,516 0 415,516 336 3,170 633 126,183 0 426,183
5 30,000 339 3,368 670 146,560 146,560 446,560 339 3,475 689 163,365 163,365 463,365
6 30,000 344 4,136 809 178,084 178,084 478,084 344 4,316 842 202,673 202,673 502,673
7 30,000 352 4,553 886 210,389 210,389 510,389 352 4,828 936 244,532 244,532 544,532
8 30,000 362 4,388 859 244,215 244,215 544,215 362 4,780 930 289,846 289,846 589,846
9 30,000 375 4,836 943 278,872 278,872 578,872 375 5,369 1,039 338,093 338,093 638,093
10 30,000 401 5,295 1,030 317,238 317,238 617,238 401 5,997 1,157 392,934 392,934 692,934
11 0 431 4,912 967 323,818 323,818 623,818 431 5,827 1,133 417,110 417,110 717,110
12 0 455 4,999 987 330,536 330,536 630,536 455 6,141 1,194 442,831 442,831 742,831
13 0 482 5,088 1,008 337,389 337,389 637,389 482 6,476 1,260 470,194 470,194 770,194
14 0 513 5,178 1,030 344,377 344,377 644,377 513 6,832 1,330 499,299 499,299 799,299
15 0 549 5,271 1,053 354,947 354,947 654,947 549 7,211 1,405 535,286 535,286 835,286
16 0 590 5,410 1,086 362,284 362,284 662,284 590 7,679 1,497 568,536 568,536 868,536
17 0 635 5,507 1,112 369,751 369,751 669,751 635 8,111 1,583 603,895 603,895 903,895
18 0 686 5,606 1,139 377,344 377,344 677,344 686 8,571 1,676 641,495 641,495 941,495
19 0 744 5,706 1,167 385,057 385,057 685,057 744 9,060 1,775 681,470 681,470 981,470
20 0 810 5,807 1,198 396,743 396,743 696,743 810 9,580 1,881 730,834 730,834 1,030,834
21 0 886 5,961 1,239 404,773 404,773 704,773 886 10,223 2,011 776,453 776,453 1,076,453
22 0 975 6,067 1,274 412,899 412,899 712,899 975 10,816 2,135 824,934 824,934 1,124,934
23 0 1,078 6,174 1,312 421,106 421,106 721,106 1,078 11,446 2,268 876,445 876,445 1,176,445
24 0 1,198 6,281 1,353 429,375 429,375 729,375 1,198 12,116 2,410 931,163 931,163 1,231,163
25 0 1,337 6,390 1,398 441,986 441,986 741,986 1,337 12,827 2,564 998,656 998,656 1,298,656
26 0 1,496 6,556 1,457 450,422 450,422 750,422 1,496 13,705 2,752 1,060,967 1,060,967 1,360,967
27 0 1,677 6,666 1,509 458,853 458,853 758,853 1,677 14,515 2,931 1,127,113 1,127,113 1,427,113
28 0 1,878 6,776 1,565 467,255 467,255 767,255 1,878 15,374 3,123 1,197,320 1,197,320 1,497,320
29 0 2,098 6,885 1,625 475,605 475,605 775,605 2,098 16,286 3,328 1,271,829 1,271,829 1,571,829
30 0 2,334 6,994 1,687 488,645 488,645 788,645 2,334 17,255 3,546 1,363,716 1,363,716 1,663,716
31 0 2,582 7,164 1,763 496,953 496,953 796,953 2,582 18,449 3,807 1,448,467 1,448,467 1,748,467
32 0 2,840 7,272 1,829 505,160 505,160 805,160 2,840 19,550 4,053 1,538,421 1,538,421 1,838,421
33 0 3,104 7,379 1,895 513,257 513,257 813,257 3,104 20,719 4,313 1,633,908 1,633,908 1,933,908
34 0 3,374 7,484 1,963 521,235 521,235 821,235 3,374 21,961 4,586 1,735,284 1,735,284 2,035,284
35 0 3,648 7,587 2,031 534,303 534,303 834,303 3,648 23,278 4,875 1,860,407 1,860,407 2,160,407
36 0 3,929 7,758 2,113 542,146 542,146 842,146 3,929 24,905 5,220 1,975,850 1,975,850 2,275,850
37 0 4,219 7,859 2,183 549,837 549,837 849,837 4,219 26,406 5,544 2,098,455 2,098,455 2,398,455
38 0 4,524 7,959 2,256 557,356 557,356 857,356 4,524 28,000 5,888 2,228,669 2,228,669 2,528,669
39 0 4,850 8,055 2,332 564,674 564,674 864,674 4,850 29,692 6,253 2,366,962 2,366,962 2,666,962
40 0 5,203 8,149 2,413 577,406 577,406 877,406 5,203 31,490 6,643 2,537,676 2,537,676 2,837,676
41 0 5,592 8,315 2,513 584,340 584,340 884,340 5,592 33,710 7,115 2,695,182 2,695,182 2,995,182
42 0 6,022 8,403 2,606 590,933 590,933 890,933 6,022 35,757 7,563 2,862,416 2,862,416 3,162,416
43 0 6,504 8,486 2,708 597,116 597,116 897,116 6,504 37,930 8,044 3,039,950 3,039,950 3,339,950
44 0 7,044 8,563 2,819 602,808 602,808 902,808 7,044 40,238 8,559 3,228,382 3,228,382 3,528,382
45 0 7,651 8,634 2,941 613,946 613,946 913,946 7,651 42,686 9,112 3,460,867 3,460,867 3,760,867
46 0 8,331 8,776 3,090 618,521 618,521 918,521 8,331 45,708 9,782 3,675,132 3,675,132 3,975,132
*Includes Premium Allocation Charge, Policy Administration Charge, Fund Management Charge, if any. See Part B for details.

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR
ILLUSTRATIVE PURPOSE

I, __________________________________, have explained I, __________________________________, having received

the premiums, charges and benefits under the policy fully to the the information with respect to the above, have understood the
prospect / policyholder. above statement before entering into the contract.
Place : ____________ Place : ____________
Date : ____________ Signature of Agent / Intermediary / Official Date : ____________ Signature of Prospect / Policyholder

Part B: Detailed summary of year on year charges deducted and benefit payable at two assumed rates of return i.e. 4% p.a. & 8% p.a.
respectively.
Gross Yield 8% p.a. Net Yield 6.73 % (Amount in Rupees.)
Policy Annualized Premium Annualized Mortality Applicabl Policy Fund FMC Loyalty Wealth Fund at End Surrender Death
Year Premium Allocation premium - Charge e Taxes Admin before Additions Boosters5 of Year6 Benefit7an Benefit7
4 d8
(AP)2 Charge Premium Charge FMC
(PAC)3 allocation
charge
1 30,000 1,800 28,200 336 497 360 28,672 265 0 0 28,359 0 328,359
2 30,000 1,500 28,500 335 511 360 59,659 638 0 0 58,907 0 358,907
3 30,000 1,500 28,500 335 583 360 92,634 1,036 0 0 91,412 0 391,412
4 30,000 1,350 28,650 336 633 360 127,907 1,460 0 0 126,183 0 426,183
5 30,000 1,200 28,800 339 689 360 165,624 1,915 0 0 163,365 163,365 463,365
6 30,000 1,200 28,800 344 842 720 205,501 2,396 190 0 202,673 202,673 502,673
7 30,000 1,200 28,800 352 936 720 247,963 2,908 231 0 244,532 244,532 544,532
8 30,000 600 29,400 362 930 720 293,928 3,460 275 0 289,846 289,846 589,846
9 30,000 600 29,400 375 1,039 720 342,871 4,049 322 0 338,093 338,093 638,093
10 30,000 600 29,400 401 1,157 720 394,970 4,677 372 3,483 392,934 392,934 692,934
11 0 0 0 431 1,133 720 423,136 5,107 406 0 417,110 417,110 717,110
12 0 0 0 455 1,194 720 449,228 5,421 431 0 442,831 442,831 742,831
13 0 0 0 482 1,260 720 476,986 5,756 457 0 470,194 470,194 770,194
14 0 0 0 513 1,330 720 506,511 6,112 486 0 499,299 499,299 799,299
15 0 0 0 549 1,405 720 537,914 6,491 516 5,031 535,286 535,286 835,286
16 0 0 0 590 1,497 720 576,748 6,959 553 0 568,536 568,536 868,536
17 0 0 0 635 1,583 720 612,617 7,391 587 0 603,895 603,895 903,895
18 0 0 0 686 1,676 720 650,759 7,851 624 0 641,495 641,495 941,495
19 0 0 0 744 1,775 720 691,312 8,340 663 0 681,470 681,470 981,470
20 0 0 0 810 1,881 720 734,423 8,860 704 6,866 730,834 730,834 1,030,834
21 0 0 0 886 2,011 720 787,666 9,503 755 0 776,453 776,453 1,076,453
22 0 0 0 975 2,135 720 836,847 10,096 802 0 824,934 824,934 1,124,934
23 0 0 0 1,078 2,268 720 889,102 10,726 852 0 876,445 876,445 1,176,445
24 0 0 0 1,198 2,410 720 944,611 11,396 905 0 931,163 931,163 1,231,163
25 0 0 0 1,337 2,564 720 1,003,561 12,107 962 9,382 998,656 998,656 1,298,656
26 0 0 0 1,496 2,752 720 1,076,289 12,985 1,032 0 1,060,967 1,060,967 1,360,967
27 0 0 0 1,677 2,931 720 1,143,391 13,795 1,096 0 1,127,113 1,127,113 1,427,113
28 0 0 0 1,878 3,123 720 1,214,612 14,654 1,164 0 1,197,320 1,197,320 1,497,320
29 0 0 0 2,098 3,328 720 1,290,198 15,566 1,237 0 1,271,829 1,271,829 1,571,829
30 0 0 0 2,334 3,546 720 1,370,413 16,535 1,314 12,814 1,363,716 1,363,716 1,663,716
31 0 0 0 2,582 3,807 720 1,469,387 17,729 1,408 0 1,448,467 1,448,467 1,748,467
32 0 0 0 2,840 4,053 720 1,560,640 18,830 1,496 0 1,538,421 1,538,421 1,838,421
33 0 0 0 3,104 4,313 720 1,657,508 19,999 1,589 0 1,633,908 1,633,908 1,933,908
34 0 0 0 3,374 4,586 720 1,760,347 21,241 1,687 0 1,735,284 1,735,284 2,035,284
35 0 0 0 3,648 4,875 720 1,869,542 22,558 1,792 17,483 1,860,407 1,860,407 2,160,407
36 0 0 0 3,929 5,220 720 2,004,389 24,185 1,921 0 1,975,850 1,975,850 2,275,850
37 0 0 0 4,219 5,544 720 2,128,764 25,686 2,041 0 2,098,455 2,098,455 2,398,455
38 0 0 0 4,524 5,888 720 2,260,859 27,280 2,167 0 2,228,669 2,228,669 2,528,669
39 0 0 0 4,850 6,253 720 2,401,150 28,972 2,302 0 2,366,962 2,366,962 2,666,962
40 0 0 0 5,203 6,643 720 2,550,137 30,770 2,444 23,848 2,537,676 2,537,676 2,837,676
41 0 0 0 5,592 7,115 720 2,734,110 32,990 2,621 0 2,695,182 2,695,182 2,995,182
42 0 0 0 6,022 7,563 720 2,903,760 35,037 2,783 0 2,862,416 2,862,416 3,162,416
43 0 0 0 6,504 8,044 720 3,083,858 37,210 2,956 0 3,039,950 3,039,950 3,339,950
44 0 0 0 7,044 8,559 720 3,275,013 39,518 3,139 0 3,228,382 3,228,382 3,528,382
45 0 0 0 7,651 9,112 720 3,477,861 41,966 3,334 32,526 3,460,867 3,460,867 3,760,867
46 0 0 0 8,331 9,782 720 3,728,217 44,988 3,574 0 3,675,132 3,675,132 3,975,132

Gross Yield 4% p.a. (Amount in Rupees.)

Annualized Premium Annualized Mortality Applicabl Policy Fund FMC Loyalty Wealth Fund at End Surrender Death
Premium Allocation premium - Charge e Taxes Admin before Additions Boosters5 of Year6 Benefit7an Benefit7
4 d8
Policy (AP)2 Charge Premium Charge FMC
Year (PAC)3 allocation
charge
1 30,000 1,800 28,200 336 498 360 27,865 270 0 0 27,546 0 327,546
2 30,000 1,500 28,500 335 511 360 56,871 639 0 0 56,117 0 356,117
3 30,000 1,500 28,500 335 580 360 86,575 1,017 0 0 85,375 0 385,375
4 30,000 1,350 28,650 336 623 360 117,176 1,407 0 0 115,516 0 415,516
5 30,000 1,200 28,800 339 670 360 148,693 1,808 0 0 146,560 146,560 446,560
6 30,000 1,200 28,800 344 809 720 180,698 2,216 169 0 178,084 178,084 478,084
7 30,000 1,200 28,800 352 886 720 213,496 2,633 201 0 210,389 210,389 510,389
8 30,000 600 29,400 362 859 720 247,835 3,068 235 0 244,215 244,215 544,215
9 30,000 600 29,400 375 943 720 283,021 3,516 269 0 278,872 278,872 578,872
10 30,000 600 29,400 401 1,030 720 319,059 3,975 304 2,869 317,238 317,238 617,238
11 0 0 0 431 967 720 328,765 4,192 321 0 323,818 323,818 623,818
12 0 0 0 455 987 720 335,585 4,279 327 0 330,536 330,536 630,536
13 0 0 0 482 1,008 720 342,543 4,368 334 0 337,389 337,389 637,389
14 0 0 0 513 1,030 720 349,638 4,458 341 0 344,377 344,377 644,377
15 0 0 0 549 1,053 720 356,866 4,551 348 3,451 354,947 354,947 654,947
16 0 0 0 590 1,086 720 367,819 4,690 359 0 362,284 362,284 662,284
17 0 0 0 635 1,112 720 375,400 4,787 366 0 369,751 369,751 669,751
18 0 0 0 686 1,139 720 383,109 4,886 374 0 377,344 377,344 677,344
19 0 0 0 744 1,167 720 390,940 4,986 381 0 385,057 385,057 685,057
20 0 0 0 810 1,198 720 398,888 5,087 389 3,858 396,743 396,743 696,743
21 0 0 0 886 1,239 720 410,958 5,241 401 0 404,773 404,773 704,773
22 0 0 0 975 1,274 720 419,209 5,347 409 0 412,899 412,899 712,899
23 0 0 0 1,078 1,312 720 427,541 5,454 417 0 421,106 421,106 721,106
24 0 0 0 1,198 1,353 720 435,937 5,561 425 0 429,375 429,375 729,375
25 0 0 0 1,337 1,398 720 444,375 5,670 434 4,301 441,986 441,986 741,986
26 0 0 0 1,496 1,457 720 457,308 5,836 446 0 450,422 450,422 750,422
27 0 0 0 1,677 1,509 720 465,869 5,946 455 0 458,853 458,853 758,853
28 0 0 0 1,878 1,565 720 474,401 6,056 463 0 467,255 467,255 767,255
29 0 0 0 2,098 1,625 720 482,880 6,165 472 0 475,605 475,605 775,605
30 0 0 0 2,334 1,687 720 491,285 6,274 480 4,763 488,645 488,645 788,645
31 0 0 0 2,582 1,763 720 504,557 6,444 493 0 496,953 496,953 796,953
32 0 0 0 2,840 1,829 720 512,892 6,552 501 0 505,160 505,160 805,160
33 0 0 0 3,104 1,895 720 521,114 6,659 509 0 513,257 513,257 813,257
34 0 0 0 3,374 1,963 720 529,216 6,764 517 0 521,235 521,235 821,235
35 0 0 0 3,648 2,031 720 537,188 6,867 525 5,219 534,303 534,303 834,303
36 0 0 0 3,929 2,113 720 550,450 7,038 538 0 542,146 542,146 842,146
37 0 0 0 4,219 2,183 720 558,261 7,139 546 0 549,837 549,837 849,837
38 0 0 0 4,524 2,256 720 565,898 7,239 554 0 557,356 557,356 857,356
39 0 0 0 4,850 2,332 720 573,330 7,335 561 0 564,674 564,674 864,674
40 0 0 0 5,203 2,413 720 580,521 7,429 568 5,651 577,406 577,406 877,406
41 0 0 0 5,592 2,513 720 593,302 7,595 581 0 584,340 584,340 884,340
42 0 0 0 6,022 2,606 720 599,999 7,683 588 0 590,933 590,933 890,933
43 0 0 0 6,504 2,708 720 606,280 7,766 594 0 597,116 597,116 897,116
44 0 0 0 7,044 2,819 720 612,063 7,843 600 0 602,808 602,808 902,808
45 0 0 0 7,651 2,941 720 617,255 7,914 605 6,030 613,946 613,946 913,946
46 0 0 0 8,331 3,090 720 628,027 8,056 616 0 618,521 618,521 918,521
IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR
ILLUSTRATION PURPOSE.

ICICI Pru LifeTime Classic is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or returns.

Multi Cap Growth Fund (ULIF 085 24/11/09 LMCapGro 105), Bluechip Fund (ULIF 087 24/11/09 LBluChip 105), Opportunities Fund (ULIF 086
24/11/09 LOpport 105), Multi Cap Balanced Fund (ULIF 088 24/11/09 LMCapBal 105), Income Fund(ULIF 089 24/11/09 LIncome 105), Money
Market Fund (ULIF 090 24/11/09 LMoneyMkt 105), Maximiser V (ULIF 114 15/03/11 LMaximis5 105, Maximise India Fund (ULIF 136 11/20/14 MIF
105), Active Asset Allocation Balanced Fund (ULIF 138 15/02/17 AAABF 105), Value Enhancer Fund (ULIF 139 24/11/17 VEF 105), Focus 50 Fund
(ULIF 142 04/02/19 FocusFifty 105), India Growth Fund (ULIF 141 04/02/19 IndiaGrwth 105), Mid Cap Fund (ULIF 146 28/06/22 MidCapFund 105),
Secure Opportunities Fund (ULIF 140 24/11/17 SOF 105), Balanced Advantage Fund (ULIF 144 03/06/21 BalanceAdv 105), Sustainable Equity
Fund (ULIF 145 03/06/21 SustainEqu 105), Mid Cap Hybrid Growth Fund (ULIF 147 050123 MCHybrdGrt 105), Constant Maturity Fund (ULIF 148
050123 ConstntMat 105), Mid Cap Index Fund (ULIF 149 050723 McIndxFund 105), Mid Cap 150 Momentum 50 Index Fund (ULIF 151 180124
McMomentum 105), Multicap 50 25 25 Index Fund (ULIF 152 220224 MultiCapIF 105), MidSmall Cap 400 Index Fund (ULIF 153 150424
MidSmal400 105) and MidSmallCap 400 Momentum Quality 100 Index Fund (ULIF 156 251024 MscMomQual 105) are the names of the different
fund options and do not in any manner indicate the quality of the fund, its future prospects or returns.

1.Includes Top-up Sum Assured (if any)

2.Includes Top-up premium (if any)

3.Includes allocation charge on Top-up premium (if any)

4.Allocated at the end of every policy year starting from the end of the sixth policy year. The Loyalty Addition paid at the end of the year will be

a percentage of the average of daily fund values in that same policy year. Loyalty Addition will be made by allocation of units.

5.Allocated at the end of every fifth policy year starting from the end of the tenth policy year. Wealth Boosters paid at the end of the year will be

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

Boosters will be made by allocation of units.

6.Includes Top-up Fund Value (if any)

7.The Death Benefit and Surrender Values illustrated assume that the event occurs at the end of the policy year.

8. i. If a policy is surrendered during the first five policy years, the Fund Value including Top-up Fund Value, if any, after deduction of

Discontinuance Charge, shall be transferred to Discontinued Policy Fund (DP Fund) and the risk cover shall cease. The Policyholder may

revive the policy by paying overdue premiums within a three year revival period from the date of first unpaid premium. If the policy is not

revived, the nominee or the Policyholder, as the case may be, will be entitled to the DP Fund Value on the earlier of death and expiry of the

lock-in period. The Policyholder may choose to stay invested in the DP Fund till the end of the revival period or the expiry of the lock-in period,

whichever is later.

ii.On surrender of the policy after the completion of five policy years, the Policyholder is entitled to the Fund Value including Top-up Fund

Value, if any.

Disclaimers

1. Refer the sales brochure for explanation of terms used in this illustration.
2. Fund management charge is based on the specific fund option(s) chosen.
3. In case rider charges are collected explicitly through collection of rider premium, and not by way of cancellation of units,
then, such charges are not considered in this illustration.
4. For the purpose of illustrations, we have used 4% and 8% as the lower and the higher rates of investment returns
respectively, in the calculations. These are in accordance with the guidelines issued by IRDAI and in no way signify our
expectations of investment return on the funds. For each of the funds, the actual investment return may be higher or lower
than the above rates based on the asset classes and the risk taken.
5. The net yield has been calculated after applying all the charges (except Service Tax and applicable cesses, mortality
charges).
6. This document is for illustration purposes only.
7. The investments in the units are subject to market and other risks and there can be no assurance that the objectives of
any of the funds will be achieved.
8. The unit value of the units of each of the funds can go up or down depending on the factors and forces affecting the
financial markets from time to time and may also be affected by changes in the general level of interest rates.
9. For policies other than Single Premium, in case you do not pay premiums for the full premium payment term, your Policy
will be discontinued or will become paid-up depending on the premiums paid previously. Please read sales literature for
more details.
10. Wealth Boosters, Loyalty Additions and Fund at End are as at the end of the applicable policy year. No Wealth Boosters
or Loyalty Additions will be allocated if the policy is discontinued by any means during the year.
11. Fund Value at start shall be: For 1st year, it is the amount available for investment; thereafter, it is previous year's end
Fund Value plus the amount available for investment in the current year.
12. The funds do not offer a guaranteed or assured return.
13. Past performance of any plan/ fund of the Company is not necessarily indicative of the future performance of any of the
plans.
14. The above information must be read in conjunction with the sales brochure and policy document.
15. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail.
16. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a
purchase.
17. This illustration is based on the terms and conditions of the life insurance policy as on date of the illustration.
18. This benefit illustration is merely an example and is based on the data provided by you in the application form. The
illustration is based on the basic mortality charge. However the illustration could change in case we charge extra premium
based on underwriting guidelines.
19 Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to conditions under
provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per
prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for
more details.
20 For any further clarifications, please feel free to contact your advisor or FSC or e-mail us on [email protected].

I, __________________________________, have explained I, __________________________________, having received

the premiums, charges and benefits under the policy fully to the the information with respect to the above, have understood the
prospect / policyholder. above statement before entering into the contract.
Place : ____________ Place : ____________
Date : ____________ Signature of Agent / Intermediary / Official Date : ____________ Signature of Prospect / Policyholder

ICICI Prudential Life Insurance Company Limited.

1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025
[email protected]
www.iciciprulife.com
CUSTOMER INFORMATION SHEET/KNOW YOUR
POLICY
This document provides key information about your policy. You are also advised to go
through your policy document.
In this policy, the investment risk in investment portfolio is borne by the policyholder

SR Title Description Policy Clause

No Number
(Please refer to applicable Policy Clause
Number in next column)
1 Name of Insurance ICICI Pru LifeTime Classic Policy schedule
Product and Unique
Identification Number
UIN: 105L155V10
(UIN)
2 Application number Policy schedule
/Policy number
3 Type of Insurance A Non-Participating Linked Individual Savings Policy schedule
Policy Life Insurance Plan

4 Basic Policy details Policy schedule

Installment Premium- 15,000/-

Mode of premium payment- Half-Yearly

Sum Assured on Death -

3,00,000/-
Premium payment Term- 10 years

Policy Term - 46 years

5 Policy Benefits payable on maturity- Part C -Clause 1

Coverage/benefits and 2 , Part D-
payable On survival of the Life Assured till the Date of Clause 13
Maturity, We will pay the Fund Value including
Loyalty Additions, Wealth Boosters and Top-up
Fund Value if any, to the policyholder provided
the policy has not already been terminated.

For more information refer to Part C, Clause 2

of policy document .

Benefits payable on death-

On death of the Life Assured, provided monies
are not in the Discontinued Policy Fund,Death
Benefit will be:
 In case of all Single Pay policies and
Limited Pay and Regular Pay policies for
age at entry greater than or equal to 50
years,
Death Benefit = A or B or C whichever is
highest.

 In case of Limited Pay and Regular Pay

policies, for age at entry less than 50
years,
Death Benefit = (A+B) or C whichever is
higher

Where,
A = Sum Assured including Top-up Sum
Assured, if any
B = Fund Value including Top-up Fund Value, if
any as available on date of intimation of death
or Date of Foreclosure or Date of Maturity
whichever is earlier
C = Minimum Death Benefit

Refer to Part C, Clause 1 of policy document for

more information.

Surrender benefits-

On Surrender during the Lock-in Period , the

Fund Value including Top up fund value if any ,
after deduction of applicable Discontinuance
Charge, shall be credited to the Discontinued
Policy Fund and risk cover and rider cover, if
any, shall cease .

After the completion of the lock-in period, on

the receipt of intimation by Us that you wish to
surrender the Policy , You will receive Surrender
value equal to the Fund Value including Top-up
Fund Value, if any as on the date of surrender
Refer to Part D, Clause 13 of policy document.

Lock-in period for Linked Insurance products-

Five consecutive completed years from the date
of commencement of risk.

6 Options available (in Partial Withdrawal Part D – Clause

case of Linked Irrespective of the portfolio strategy you select, 2,3,5 and 10
Insurance Products) partial withdrawals will be allowed after
completion of Lock-in period and subject to
payment of all due premiums provided the
monies are not in DP Fund.
Refer to the policy document Part D- Clause 5
for more information

Top –ups

You have an option to pay Top-up premiums

any time during the term of the policy, except
in the last five years before the date of
maturity Refer to the policy document Part D-
Clause 3 for more information

Switches

If you select the Fixed Portfolio Strategy you

have an option to switch units between the
funds available under this plan. Switches are
not available under other Portfolio Strategies.
Refer to the policy document Part D- Clause 2
for more information

Settlement

You have an option to receive the Maturity

Benefit as a structured payout over a period
of up to 5 years after maturity. This option has
to be chosen before the Date of Maturity.
Refer to the policy document Part D- Clause
10 for more information

7 Option available (in Not applicable

case of Annuity
product)
8 Riders opted, if any Rider Policy
Document and
NA
Policy Schedule

9 Exclusions (events Suicide – Part F, Clause

where insurance 12
coverage is not
payable), if any If the Life Assured, whether sane or insane,
commits suicide for any reason whatsoever
within 12 months from the date of
commencement of the policy or from the date
of revival of the policy, as applicable, the
policy will terminate and only the Fund Value
including Top up Fund Value, if any, as
available on the date of intimation of death or
Date of Foreclosure or Date of Maturity
whichever is earlier, will be payable to the
Claimant

Refer to the policy document Part F- Clause 12

10 Waiting /lien Period, if Not applicable

any
11 Grace Period Monthly – 15 days Part C- Clause 4
Any other premium payment frequency – 30
days
Refer to Part C, Clause 4 of policy document
12 Free Look Period 30 days Part D -Clause
1
Refer to Part D, Clause 1 of policy document
13 Lapse, paid-up and Premium Discontinuance – Part D – Clause
revival of the Policy 14 and 16
Premium discontinuance during Lock-in period
Upon expiry of the grace period, in case of
discontinuance of policy due to non-payment of
premium, the Fund Value including Top-up
Fund Value, if any, shall be credited to the
Discontinued Policy Fund after deduction of
applicable discontinuance charges and the risk
cover and rider cover, if any, shall cease. It will
continue to remain in the Discontinued Policy
Fund till the policy is revived by paying due
premiums.

Premium discontinuance after the Lock-in

period
Upon expiry of the grace period, in case of
discontinuance of policy due to non-payment
of premium after lock in period the policy will
be converted into a reduced paid-up policy
with paid-up sum assured. The policy shall
continue to be in reduced paid-up status
without rider cover, if any, .
Refer to Part D, Clause 14 of policy document
for more information

Policy Revival-
The revival period is three years from the date
of first unpaid premium. Revival will be based
on the prevailing Board approved underwriting
guidelines. Revival is not applicable for Single
Pay policies.
Refer to Part D, Clause 16 of policy document
for more information

14 Policy Loan, if Not applicable

applicable
15 Claims/Claims Turn around Time – For TAT details for death Part F ,Clause
Procedure claim refer to 11
https://www.iciciprulife.com/contact-us/our-
services-turn-around-times.html

For any assistance on Claims, you can call Us

on 1800-2660 (for calls within India) or +91
8069385555 (for calls outside India). You can
also register a health or a death claim by
sending us an email at
[email protected]

The claim form can be downloaded from the

following links:
Digital Claim Form Link:
https://buy.iciciprulife.com/buy/Claim-
Intimation.htm?execution=e2s1

Physical Claim Form Link:

https://www.iciciprulife.com/insurance-
library/life-insurance-claims-related-
faqs.html#linked_content

For information on documents required to

process claims, please refer to the policy
document (Part F, Clause 10) under the section
‘Specimen Policy Document’ available on our
website at
https://www.iciciprulife.com/services/downloa
d-centre.html
16 Policy Servicing Turn around Time – For TAT details for policy Part G ,Clause 1
servicing - refer to
https://www.iciciprulife.com/contact-us/our-
services-turn-around-times.html

For any clarification or assistance, You may

contact Our advisor or call Our customer
service representative (between 10.00 a.m. to
7.00 p.m, Monday to Saturday; excluding
national holidays) on 1800-2660 or visit Our
website: www.iciciprulife.com.
Alternatively, You may communicate with Us
at any of our branches or the customer service
helpline number 1800-2660 or email at
[email protected]. For updated contact
details, We request You to regularly check Our
website.
17 Grievances /Complaints i. Grievance Redressal Officer: Part G , Clause
1
If You do not receive any resolution
from Us or if You are not satisfied
with Our resolution, You may get in
touch with Our designated grievance
redressal officer (GRO) at
[email protected] or 1800-2660.

Address: ICICI Prudential Life

Insurance Company Limited,
Ground Floor & Upper
Basement,
Unit No. 1A & 2A, Raheja
Tipco Plaza,
Rani Sati Marg, Malad (East),
Mumbai-400097

For more details please refer to the

“Grievance Redressal” section on
www.iciciprulife.com.

 IRDAI/(IGMS/Call Centre):
If you are not satisfied with the response
or do not receive a response from us within
15 days, you may approach the Grievance
Cell of the Insurance Regulatory and
Development Authority of India (IRDAI) on
the following contact details:
IRDAI Grievance Call Centre (IGCC) TOLL
FREE NO: 155255 (or) 1800 4254 732

Email ID: [email protected]

You can also register your complaint

online at igms.irda.gov.in
Address for communication for
complaints by fax/paper:
Consumer Affairs Department
Insurance Regulatory and Development
Authority of India
Survey No. 115/1, Financial District,
Nanakramguda, Gachibowli,
Hyderabad, Telangana State – 500032

Ombudsman list: Please refer to the policy

document (Part G) under the section under the
‘Specimen Policy Document’ available at
https://www.iciciprulife.com/services/downloa
d-centre.html

This is subject to change from time to time.

Refer
https://www.iciciprulife.com/services/grievanc
e-redressal.html for more details.

Note: In case of any conflict, the terms and conditions mentioned in the policy
document shall prevail

Declaration by the Policyholder

I have read the above and confirm having noted the details.

Place: (Signature of the Policyholder)

Date