Let the happy times last forever with

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1 IN UNIT LINKED POLICIES, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. This advertisement is designed for combination of benefits of two or more individual and separate products named (1) ICICI Pru Elite Life II and (2) ICICI Pru Immediate Annuity. 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. Let the happy times last forever with This solution is a combination of ICICI Pru Elite Life II (a unit linked insurance plan; UIN 105L141V01) and ICICI Pru Immediate Annuity plan (a non-linked insurance plan; UIN 105N009V06). These products are also available without this combination solution.

2 As an elite individual, you have enjoyed the best that life has to offer. You would want to ensure that your retirement years are just as memorable. For this, your income planning for your post retirement years has to be truly best in class and should provide you with the greatest value for your hard earned savings. Keeping this in mind, we present ICICI Prudential Elite Income Solution - designed exclusively for preferred customers like you. Through this solution you can create the required retirement corpus, get regular income for yourself and your spouse starting from your chosen retirement age and also leave a legacy for your child.

3 What does this solution offer? Building corpus for income: Wealth creation with multiple fund options - Choose fund options as per your risk appetite and manage your investments actively through features like unlimited switches, Automatic Transfer Strategy (ATS) and premium redirection Optimize your returns through Loyalty Additions allocated at the end of every policy year starting from the end of the sixth policy year Income: Avail the option to enjoy lifelong regular income for you and your spouse Life Cover: Secure your family's future through life cover and leave a legacy for your child Liquidity: Avail partial withdrawal facility to manage any emergency ICICI Prudential Elite Income Solution at a glance Category Premium Payment Term Minimum Age at Entry Maximum Age at Entry Minimum Annual premium Maximum Annual premium Maximum Age at Maturity Premium payment frequency 5 Pay Regular Pay 5 years PPT = Policy term 15 years 15 years 55 years 65 years ` 2,00,000 Unlimited 75 years Yearly/ Half-yearly

4 How does this solution work? In this solution you purchase an ICICI Pru Elite Life II policy at inception and you have the option to purchase an immediate annuity plan on maturity of this policy. Currently, we are offering ICICI Pru Immediate Annuity. Year This solution works in two phases: Premiums payable 6 to % 0.30% 1.05% 11 onwards Year 1 to Year % Building corpus for income Phase In this phase, customer will purchase an ICICI Pru Elite Life II plan. For the policyholder age 30, premium payment term of 5 years & policy term of 15 years, policyholder will pay 5 annual premium every year till age 35. During the policy term of 15 years, policy holder can invest his money in any of the available seven funds and manage them actively by using features like unlimited switches, Automatic Transfer Strategy and premium redirection. FMC Loyalty Addition Approximate effective FMC 0.50% ` 2,00,000 p.a. Also starting from the end of the sixth year, policyholder will get Loyalty Additions every policy year. The Loyalty Additions paid at the end of the year will be a percentage of the average of daily fund values in that same policy year. The Loyalty Addition will effectively reduce the Fund Management Charge (FMC) for policy as shown below: 0.85% The illustration is for all funds other than the Money Market Fund (SFIN: ULIF /11/09 LMoneyMkt 105). Also this illustration does not consider Service Tax and timing implications. Pay premium of ` 2,00,000 p.a. for 5 years Maturity amount of ` 8% ARR* or ` 4% ARR* Maturity benefit1 to be paid after 15 years 30 years 35 years 45 years *ARR stands for Assumed Rate of Return. Maturity benefit includes loyalty additions & Wealth boosters, if any. The policyholder will also get an additional loyalty addition of 0.25% from the end of the sixth year, if all premiums for that year have been paid. Starting from the tenth policy year, policyholder will get wealth boosters every fifth year. The wealth boosters paid at the end of the year will be 1.50% of the average fund values including Top-up fund value if any, on the last day of, last eight policy quarters.

5 Assumed rate of return Income Phase In this phase, the policholder has the option to use the maturity payout of ICICI Pru Elite Life II to purchase ICICI Pru Immediate Annuity or similar product with Joint Life, Last Survivor # with Return of Premium annuity option. Benefits Maturity benefit of ICICI Pru Elite Life II to be used to purchase ICICI Pru Immediate Annuity Annual income 2 from Age 46 Lump sum payout to nominee on death of the last surviving partner 8% ` 21,72,564 ` 1,38,287 ` 21,72,564 4% ` 13,11,332 ` 83,384 ` 13,11,332 Income of ` 1,38,287 8% ARR or ` 83,384 4% ARR for you and spouse Income of ` 1,38,287 8% ARR or ` 83,384 4% ARR will continue to your spouse Nominee gets lump sum of ` 8% ARR or ` 4% ARR 45 years Purchase Price of ` 8% ARR or ` 4% ARR Death of policyholder Death of spouse # For the purpose of illustration Joint Life, Last Survivor with Return of Premium annuity option has been chosen assuming you live till age 75 years and your wife lives for 5 years more after that. 1. If your policy offers guaranteed returns, then these will be clearly marked guaranteed in the Benefit Illustration. Since policy offers variable returns, the given illustration shows two different rates of assumed future investment returns The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of your policy depends on a number of factors including future investment performance. 2. The regular income for life is calculated assuming that policyholder utilizes the entire maturity benefit amount of your ICICI Pru Elite Life II policy as Purchase Price of ICICI Pru Immediate Annuity policy. 3. Please note that the purchase of ICICI Pru Immediate Annuity or a similar product will be subject to its availability at the time of vesting and policyholder can choose to opt for any annuity option available at the time of the said purchase. The annuity amount is calculated as per the annuity rate applicable as on December 15, The annuity amounts have been calculated assuming policyholder age to be 45 & spouse's age to be 40 years and are based on indicative annuity rates. Annuity rates are not guaranteed and 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 or a similar product. The annuity option assumed is Joint Life Last Survivor with Return of Purchase Price and annuity periodicity to be Yearly. Please contact us or visit our website for details. For the purpose of illustration, we have combined the premiums payable and benefits that you may receive under each plan of this solution.

6 Terms & Conditions 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 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. 2. This is not a product brochure. The customer is requested to go through the product brochure of ICICI Pru Elite Life II (UIN:105L141V01) and ICICI Pru Immediate Annuity (UIN: 105N009V06) and take decision to opt for this combination solution after having fully understood the risk factors, product terms and conditions as briefly indicated below: ICICI Pru Elite Life II: Premium discontinuation, policy revival, loyalty additions, wealth boosters, surrender, partial withdrawal, charge structure, fund options, death benefit, maturity benefit etc. ICICI Pru Immediate Annuity: Applicable annuity rates, available annuity options 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 Elite Life II, 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, For the purpose of illustrations, 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 (UIN: 105N009V06) plan will be applicable subject to the following conditions. It is your sole responsibility to utilize the maturity benefit of ICICI Pru Elite Life II 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 Elite Life II, 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 applicable cesses as per applicable rates will be charged over and above the policy premiums. The tax laws are subject to amendments from time to time. 2015, ICICI Prudential Life Insurance Company Limited. IRDAI Regn No CIN: U66010MH2000PLC Unlike traditional products, unit linked insurance products are subject to market risk, 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. Registered Address:- ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai Insurance is the subject matter of the solicitation. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Trade Logo displayed above belongs to M/s ICICI Bank Ltd & Prudential IP services Ltd. which shall be used by ICICI Prudential Life Insurance Company Ltd under Registered License No.105. ICICI Pru Elite Life II (UIN: 105L141V01) ICICI Pru Immediate Annuity (UIN: 105N009V06). Advt. L/II/1741/ Call us on (10am-7pm, Monday to Saturday, except national holidays. Valid only for calls made from India). Visit us at 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.