Potential to grow your money Security for family

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1 IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER. This advertisement is designed for combination of benefits of two or more individual and separate products named (1) ICICI Pru Smart Life, and (2) ICICI Pru iprotect Smart. The customer has the choice of purchasing any one or more products as per his/her need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the Insurer and presented in this advertisement. The customer is expected to ask questions, understand and satisfy himself that this combination meets his/her specific needs better before deciding to purchase this combination. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of the individual products mentioned herein. Potential to grow your money Security for family In one plan

2 Your future is defined by your goals for yourself and your loved ones. You would like to ensure that nothing comes in the way of achieving these goals - like buying the perfect house for your family or enrolling your child in a foreign university. Whatever be your goal, you would not want to compromise for any of these important milestones in your life. We, at ICICI Prudential Life, understand this need to secure these financial goals. Keeping this in mind we present a solution to cater to your needs. Presenting ICICI Prudential Bhavishya Nidhi Solution. This solution is a combination of ICICI Pru Smart Life (a unit-linked insurance plan; UIN: 105L145V01) and ICICI Pru iprotect Smart (a non-linked term insurance plan; UIN: 105N151V01) that offers you the following benefits: Key Benefits Savings A lump sum at maturity that can be used for higher education, marriage or as the start-up capital for your child s dream venture. Premium Waiver Benefit Potential to create wealth with equity and debt exposure for your child s future and secure it with waiver of premium benefit (provided all due premiums have been paid), in case of your unfortunate absence. Life Cover Avail protection against unfortunate death, Terminal illness and Critical Illness. Critical Illness Receive lump sum on first occurrence of covered 34 Critical Illnesses irrespective of the actual medical expenses*. Only medical documents confirming diagnosis to be submitted. Tax Benefit Avail tax benefits under Sec 80C, 10 (10D) and 80D of the Income Tax Act, * The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses covered, please refer to the Sales brochure. In this solution, you purchase ICICI Pru Smart Life (a unit-linked insurance plan; UIN: 105L145V01) and ICICI Pru iprotect Smart (a non-linked term insurance plan; UIN: 105N151V01).

3 What You Pay? Assuming your age as 30 years, you will pay premiums till age 40. Years 1 to 10 Premiums payable (exclusive of service tax) ICICI Pru Smart Life ICICI Pru iprotect Smart (Life & Health) Total Premium ` 95,421 p.a. ` 4,579 p.a. ` 1,00,000 p.a. The premiums shown here are exclusive of Service Tax and other applicable cesses. Tax rates are subject to change from time-to-time and shall be levied in addition to the above-mentioned premium. What You Receive on Survival (when the Policy Term ends)? At the end of year 11, you will receive the Maturity Benefit of ICICI Pru Smart Life Plan as illustrated below: Assumed rate of return 8% 4% Maturity benefit of ICICI Pru Smart Life ` 12,78,095 ` 10,26,186 For illustration purpose, the Company has assumed 8% p.a. and 4% p.a. as rates of investment return. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits of what you might receive, as the value of policy depends on several factors including future investment performance. Pay ` 1,00,000 p.a. for 10 years Maturity benefit ` 8% ARR* or ` 4% ARR* 30 Years 40 Years Total premiums payable is `10,00,000 and total benefits receivable after 10 years is 8% ARR* or 4% ARR* *ARR stands for Assumed Rate of Return. For illustration purpose, the Company has assumed 8% p.a. and 4% p.a. as the rate of returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits of what you might receive, as the value of the policy depends on several factors including future investment performance.

4 What Are You Covered For During The Policy Term? 34 Critical Illnesses You receive a lump sum amount, equal to Critical illness sum assured of `5,00,000 on the first occurrence of any of the 34 covered illnesses*. Death Your nominee will receive `44,54,210, which is equivalent to the Death benefit of ICICI Pru iprotect Smart & ICICI Pru Smart Life #. (This amount is specific for this illustration). Terminal Illness Your nominee will receive `35,00,000 equivalent to the Death benefit of ICICI Pru iprotect Smart. Smart Benefit In case of your unfortunate demise, all future premiums payable under ICICI Pru Smart Life Plan will be paid by the Company. The nominee will receive the maturity benefit at the end of the policy term, ensuring that their financial goal is met. (Provided all due premiums are paid). On payment of CI benefit, Life cover will reduce by the CI benefit paid, and the future premiums will reduce proportionately. *Please refer to the product brochure for the definitions, exclusions and other terms and conditions applicable for Critical Illness, Terminal Illness and Permanent Disability due to accident. # Assuming death in 5 th policy year.

5 Boundary Conditions ICICI Prudential Bhavishya Nidhi - Boundary Conditions Policy Term 10 years Premium Payment Term Same as Policy term Minimum Age at Entry 20 Years Maximum Age at Entry 49 years Minimum Annual premium `1,00,000 per annum Maximum Annual premium Unlimited Premium payment frequency Yearly/ Half-yearly/Monthly 18 to 34 Years 35 to 50 Years Critical Illness Cover (Fixed) `5 Lakh `3 Lakh Terms and Conditions 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 for the customer to apply for this combination only. The customer is requested to go through the individual benefit illustrations of the products in the solution. This is not a product brochure. The customer is requested to go through the product brochure of ICICI Pru Smart Life (UIN:105L145V01) and ICICI Pru iprotect Smart (UIN:105N151V01) and take the decision to opt for this combination solution after having fully understood the risk factors, product terms and conditions as briefly indicated below.» ICICI Pru Smart Life: Investment Strategy, Funds, Premium Discontinuance, Policy Revival, Loyalty Additions, Wealth Boosters, Death Benefit, Maturity Benefit, etc.» ICICI Pru iprotect Smart: Benefit Options, Death Benefit Pay-out Options, Critical Illnesses, Policy Revival, Premium Discontinuance, Surrender, etc. The individual products under this solution have certain product features like Sum Assured, Death Benefit pay-out options, etc., which offer options beyond the ones assumed in the benefit illustrations shown here. Customer s choice with respect to these will not be restricted to what has been shown here and customer will be able to choose from all the options available at the time of purchase of the respective products. Unit-linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in unit-linked insurance products completely or partially till the end of the fifth year.

6 Service Tax and all other cesses (if applicable) as per applicable rates will be charged over and above the policy premiums. The tax laws are subject to amendments from time-to-time. For illustration purpose, the Company has assumed 8% p.a. and 4% p.a. as the rate of returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits of what you might receive, as the value of the policy depends on a number of factors including future investment performance. The benefit of this combination solution shall accrue only if customer continue to pay premiums for the entire premium payment term. Tax benefits under the policy are subject to conditions under Section 80C and Sec 10(10D) of the Income Tax Act, Service Tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time-to-time. Unlike traditional products, unit-linked insurance products are subject to market risks, 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. Unit-linked Insurance products do not offer any liquidity during the first five years of the contract. The Policyholder will not be able to surrender/withdraw the monies invested in unit-linked insurance products completely or partially till the end of the fifth year. The benefits available under this combination solution shall be as per the policy terms and conditions of the respective products. ICICI Prudential Life Insurance Company Limited. IRDAI Regn No CIN: L66010MH2000PLC , ICICI Prudential Life Insurance Company Limited. Registered Address: - ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai Reg No: For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Call us on (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India) or visit us at Trade Logo displayed above belongs to ICICI Bank Limited & Prudential IP Services Limited and used by ICICI Prudential Life Insurance Company Limited under license. UIN: ICICI Pru Smart Life (UIN: 105L145V01) and ICICI Pru iprotect Smart (UIN: 105N151V01). ADVT: L/II/1112/ BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI clarifies to public that: IRDAI or Its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.