Secure your hard earned assets. This is a non-linked non-participating protection oriented insurance plan
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1 Secure your hard earned assets This is a nonlinked nonparticipating protection oriented insurance plan
2 ICICI Pru Loan Protect a NonParticipating NonLinked Term Insurance Plan ICICI Pru Loan Protect is a nonparticipating term insurance product. It provides life cover to an individual who has taken a mortgage or auto loan from a bank or any other financial institution. Mortgage loans include: Home Loan, Home equity (Loan against property), Commercial property loan, Land loan, Loan against rent receivables. Auto loans are loans taken for the purchase of a car. Key Features Life Cover: Choose between Fixed and Reducing Cover as per your need: Fixed Cover: Sum Assured chosen at inception of the policy will be paid, in case of death during the policy term. Reducing Cover: At inception of the policy, the death benefit will be equal to Sum Assured. Death benefit will reduce monthly starting from the beginning of the second policy month. In case of death during the policy term, death benefit applicable at the time of death will be paid. ICICI Pru Loan Protect at a glance Minimum/ Maximum Age at Entry Minimum Sum Assured ` 500,000 Minimum /Maximum Policy Term Minimum / Maximum Age at Maturity Premium Payment Term Death Benefit Options Premium Payment Mode Grace Period Tax Benefit 18 / 65 years (Age completed birthday) 5 / 30 years 23 / 70 years (Age completed birthday) Single premium / 5 years 1. Fixed Cover 2. Reducing Cover Annual 30 days Get tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income T&C3 Tax laws Policy term: You can choose a policy term that is lesser than or equal to the loan tenure. Flexible Premium Payment Term: Pay premium only once or for a limited period of 5 years Multiple applicants can be covered under the same loan. Tax benefit: Get tax benefits on the premiums paid and benefits T&C3 received under the policy, as per the prevailing Income Tax laws
3 ICICI Pru Loan Protect how does it work? 1. Choose your policy term: You can choose a policy term that is lesser than or equal to the loan tenure, from the below mentioned options: Loan type Premium payment term Policy terms (in years) Mortgage loan Single premium 5/10/15/20/25/30 Five years 520, 25, 30 Auto loan Single premium 5/10/15/20/25/30 Five years 5/10/15/20/25/30 If the loan tenure is less than 5 years, then you can choose a policy term of 5 years. Year Policy term: 5 years Policy term: 10 years Premium Death Benefit Premium Death Benefit Not applicable* If the policy term selected is less than the loan tenure, life cover will only be provided till the end of the policy term and not till the end of the loan tenure. Example 1: for a 30 year old healthy male with Sum Assured equal to, and outstanding loan tenure of 10 years, the death benefit (in ` Lacs) each year, for a Reducing Cover option is: Year Policy term: 5 years Policy term: 10 years Premium Death Benefit Premium Death Benefit Not applicable* ` 26.1 lakh ` 21.4 lakh ` 15.6 lakh ` 8.6 lakh ` 28.9 lakh ` 27.7 lakh ` 26.1 lakh ` 24.2 lakh ` 21.9 lakh ` 19.1 lakh ` 15.6 lakh ` 11.4 lakh ` 6.3 lakh Example 2: for a 30 year old healthy male with Sum Assured equal to Rs. 30 lakh, and outstanding loan tenure of 10 years, the death benefit (in Rs. Lacs) each year, for a Fixed Cover option is: *The policy terminates after 5 years and all rights, benefits and interests under the policy stand extinguished 2. Choose premium payment term: You can choose to pay premium just once or for a limited period of five years. 3. Choose Sum Assured: You can choose a Sum Assured that is equal to or lower than the total outstanding loan amount. 4. Choose death benefit option: You can also choose from the following death benefit options, as per your need: Fixed Cover: Death benefit is equal to Sum Assured, as chosen by you, for the entire policy term. Reducing Cover: At inception of the policy, the death benefit will be equal to Sum Assured. Death benefit will reduce monthly starting from the beginning of the second policy month.. Irrespective of the outstanding loan tenure at the time the proposal is received, the reduction schedule will depend on the policy term. In case of death during the policy term, death benefit applicable at the time of death will be paid The death benefit will be as described above, irrespective of the loan repayments actually made and irrespective of the outstanding loan amount at the time of death. Please refer to the customized Benefit Illustration to get details of year wise death benefit values. 5. Pay premiums for the chosen premium payment term and enjoy the policy benefits for the entire policy term, as described in the following section.
4 ICICI Pru Loan Protect benefits in detail 1. Death Benefit: For an inforce policy, death benefit will be payable on death of the Life Assured during the policy term. The amount payable as death benefit will depend upon the death benefit option chosen by you at the inception of the policy. The death benefit for Fixed Cover option is in line with regulations, reproduced below. Minimum death benefit: One Pay Five Pay, where the policy term is five years or more but less than ten years Five Pay, where the policy term is greater than or equal to 10 years For this product: Age at entry less than 45 years Highest of 125% of the single premium or any absolute amount assured to be paid on death. Highest of 5 times the Highest of 10 times the Age at entry 45 years and above Highest of 110% of the single premium or any absolute amount assured to be paid on death. Highest of 5 times the Highest of 7 times the Sum Assured, as chosen by you, is the absolute amount assured to be paid on death in the above definitions. For One Pay, Sum Assured as chosen by you is always greater than 125%/110% of single premium, as applicable. For Five Pay, Sum Assured as chosen by you is always greater than 5/10/7 times annual premium, as applicable and 105% of premiums paid. 2. Surrender Value: For One Pay option, Surrender Value will be payable if you voluntarily terminate the policy. For the Five Pay option, Surrender Value will be payable if: a. You voluntarily terminate the policy, or b. You discontinue paying premiums and do not revive the policy within the applicable revival period. The expiry of the grace period will mark the discontinuance of the policy. However, the benefit will be will terminate. Benefit illustration Age Gender Outstanding loan tenure Outstanding loan amount Policy term Premium payment option Premium amount for Fixed Cover Premium amount for Reducing Cover *Note: payable only at the end of the revival period. Depending on the year of policy discontinuance, Surrender Value may be zero. 3. Grace period: A grace period of 30 days is allowed under the policy. If the due premium is not paid within the grace period, the policy will lapse and the cover will cease. 4. Revival of the policy: A policy, which has lapsed for nonpayment of premium within the grace period, may be revived within two years from the due date of the first unpaid premium. If the policy is not revived within this period then the applicable Surrender Value will be paid and the policy 30 years Male 10 years ` 30 lac 10 years Five Pay Fixed Cover Reducing Cover Premium and death benefit amounts are in rupees One Pay ` 34,560 ` 28,020 The premium amounts shown are exclusive of Goods & Services Tax and T&C3 Cess (if any). The above illustration is for a healthy male life. Years
5 Terms & Conditions 1. Suicide clause: If the Life assured, whether sane or insane, commits suicide within one year from the date of commencement of this policy, the Policyholder or nominee, as applicable, will be entitled to 80% of the premiums paid till the date of death. In the case of a reinstated policy, if the Life Assured, whether sane or insane, commits suicide within one year of the date of reinstatement of the policy, the Policyholder or nominee, as applicable, will be entitled to 80% of the premiums paid till the date of death. On the above payment, the policy will terminate and all rights, benefits and interests under the policy will stand extinguished. 2. Freelook period: If you are not satisfied with the terms and conditions of this policy, please return the policy document to the Company for cancellation within 15 days from the date you received it, if your policy is not purchased through Distance marketing* 30 days from the date you received it, if your policy is purchased through Distance marketing* On cancellation of the policy during the freelook period, we will return the premiums paid, subject to the deduction of: Stamp duty under the policy Expenses borne by the Company on medical examination, if any Proportionate risk premium for the period of cover The policy will terminate on payment of this amount and all rights, benefits and interests under this policy will stand extinguished. *Distance marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the following modes: (i) Voice mode, which includes telephonecalling (ii) Short Messaging service (SMS) (iii) Electronic mode which includes , internet and interactive television (DTH) (iv) Physical mode which includes direct postal mail and newspaper & magazine inserts and (v) Solicitation through any means of communication other than in person. 3. Tax benefits: Tax benefits under the policy will be as per the prevailing Income Tax laws. Goods & Services Tax and Cess (if any) will be charged extra as per prevailing rates. The tax laws are subject to amendments from time to time. 4. Death benefit option and Sum Assured chosen at inception of the policy cannot be changed. 5. There will be no exclusions under this product. 6. Since this is a protection product with no element of savings, there is no paidup value on this product. 7. You may assign your policy. 8. Nomination Requirements: The Life Assured, where he/she is the holder of the policy, may, at any time before the Termination date of the policy, make a nomination (under section 39 of the Insurance Act, 1938) for the purpose of payment of the moneys secured by the policy in the event of his death. Where the nominee is a minor, he may also appoint an appointee i.e. a person to receive the money during the minority of the nominee. Any change of nomination, which may be effected before the
6 Termination Date of policy shall also be communicated to the Company. 9. Assignment Requirements: The product shall comply with section 38 of the Insurance Act. An assignment of the policy (under Section 38 of the Insurance Act, 1938) may be made by an endorsement upon the policy itself or by a separate instrument signed in either case by the assignor specifically stating the fact of assignment and duly attested. The first assignment may be only made by the Policyholder. Such assignment shall be effective, as against the Company, from and upon the service of a notice upon the Company and the Company recording the assignment in its books. Assignment will not be permitted where policy is under the Married Women s Property Act, The Company does not express itself upon the validity of or accepts any responsibility for the assignment or nomination in recording the assignment or registering the nomination or change in nomination. 11. Section 41: In accordance to the Section 41 of the Insurance Act, 1938, no person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees. 12. Section 45: No policy of life insurance effected before the commencement of the Insurance Act, 1938 shall after the expiry of two years from the date of commencement of this Act and no policy of life insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal.
7 About ICICI Prudential Life Insurance ICICI Prudential Life Insurance Company Limited is a joint venture between ICICI Bank Limited and Prudential Corporation Holdings Limited, a part of the Prudential group. ICICI Prudential began its operations in Fiscal 2001 after receiving approval from Insurance Regulatory Development Authority of India (IRDAI) in November ICICI Prudential Life Insurance has maintained its focus on offering a wide range of products that meet the needs of the Indian customer at every step in life. ICICI Prudential Life Insurance Company Limited. IRDAI Regn. No CIN: L66010MH2000PLC BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI clarifies to the 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. Registered Address: ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Trade Logo displayed above belongs to ICICI Bank Limited & Prudential IP Services Limited and used by ICICI Prudential Life Insurance Company Limited under license. ICICI Pru Loan Protect Form No.T34, T35, T36, T37. UIN: 105N142V02. Advt No.: L/IC/947/
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