T&C 2. higher. chosen. Minimum Premium. Policy Term. Tax Benefits

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2 You want your investments to work as hard as you do in order to help you achieve your goals. You also want to be rewarded wi life long benefits so at you have e peace of mind you always desired. Presenting ICICI Pru Assure Weal, a whole life insurance and savings product, at rewards you wi a guaranteed addition and also provides you an insurance cover so at your loved ones are taken care of in your absence. Key benefits of ICICI Pru Assure Weal Guaranteed Addition (GA): A Guaranteed addition varying from 12 to 18 of one annual premium is added to your Fund Value at e end of e 15 Policy year* Whole Life: Enjoy e benefits of staying invested roughout your life LifeCycle based Portfolio Strategy: A unique and personalized strategy to create an ideal balance between equity and debt, based on your age Choice of variants: You can choose between two product variants: Assure Weal Super and Assure Weal Plus Partial widrawals: Facility to widraw money for your liquidity needs Tax Benefits: On premiums paid and benefits received, as per prevailing accrue to your Fund Value at e end of e 15 Policy year * You can enjoy a life cover and stay invested for e whole of your life Enjoy e flexibility to access your funds rough partial widrawals In e unfortunate event of dea, your nominee would receive e Sum Assured (reduced by partial widrawals) or e Fund Value, whichever is higher T&C 2 * Based on e number of premiums paid towards e Policy and e variant chosen Minimum Premium Modes of Premium Payment Minimum Sum Assured ICICI Pru Assure Weal at a glance Rs. 12,000 per annum Yearly / Half yearly / Monly 5 X Annual Premium, subject to a minimum of Rs.1,00,000 tax laws How does e policy work? You need to choose e product variant, premium amount, Sum Assured and portfolio strategy for your Policy A Guaranteed Addition as a percentage of one annual premium would Maximum Sum Assured Minimum / Maximum age at entry Policy Term T&C3 Tax Benefits As per e maximum Sum Assured multiples 0 / 55 years Whole Life Premium and any benefit amount received under is Policy will be eligible for tax benefit as per e prevailing Income Tax laws IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

3 Choice of two unique portfolio strategies Wi ICICI Pru Assure Weal, you have e option to choose from two unique portfolio strategies. These are: a. LifeCycle based Portfolio Strategy b. Fixed Portfolio Strategy LifeCycle based Portfolio Strategy Your financial needs are not static in nature and keep changing wi your life stage. It is, erefore, necessary at your product adapts itself to your changing needs. This need is fulfilled by e LifeCycle based Portfolio Strategy Key features of is strategy Age based portfolio management At Policy inception, your investments will be distributed between two funds, Multi Cap Grow Fund and Income Fund, based on your age. As you move from one age band to anoer, we will redistribute your funds based on your age. Age wise portfolio distribution is shown in e table below. Asset allocation details at Policy inception and during Policy term Quarterly rebalancing Your fund allocation might get altered because of market movements. We will review your allocation every quarter and reset it to prescribed limits Safety as you approach e age of 75 As you near e age of 75 years, you need to ensure at shortterm market volatility does not affect your hard earned savings. In order to achieve is, your investments in Multi Cap Grow Fund will be systematically transferred to Income Fund in ten instalments in e last ten quarters prior to your completing 75 years of age Fixed Portfolio Strategy If you wish to manage your investment actively, we have a Fixed Portfolio Strategy. Under is strategy, you must choose your own asset allocation from any of e seven fund options. You can switch between ese funds using our switch option. The details of e funds are given in e table below: Age of Policyholder (years) Multi Cap Grow Fund 85% 75% 65% 55% 45% 35% Income Fund 15% 25% 35% 45% 55% 65% 10

4 Fund Name & Its Objective Asset Allocation % (Min) % (Max) Risk-Reward Profile Opportunities Fund:To generate superior long-term returns from a diversified portfolio of equity and equity related instruments of companies operating in four important types of industries viz., Resources, Investment-related, Consumption-related and Human Capital leveraged industries. Equity & Equity Related Securities Debt, Money Market & Cash High Multi Cap Grow Fund: To generate superior long-term returns from a diversified portfolio of equity and equity related instruments of large, mid and small cap companies. Equity & Equity Related Securities Debt, Money Market & Cash High Bluechip Fund: To provide long-term capital appreciation from equity portfolio predominantly invested in NIFTY scrips. Equity & Equity Related Securities Debt, Money Market & Cash High Multi Cap Balanced Fund: To achieve a balance between capital appreciation and stable returns by investing in a mix of equity and equity related instruments of large, mid and small cap companies and debt and debt related instruments. Equity & Equity Related Securities Debt, Money Market & Cash Moderate Income Fund: To provide accumulation of income rough investment in various fixed income securities. The fund seeks to provide capital appreciation while maintaining a suitable balance between return, safety and liquidity. Debt Instruments Money Market & Cash Low Money Market Fund: To provide suitable returns rough low risk investments in debt and money market instruments while attempting to protect e capital deployed in e fund. Debt Instruments, Money Market& Cash Low Fund Name & Its Objective Dynamic P/E Fund: To provide long term capital appreciation rough dynamic asset allocation between equity and debt. The allocation in equity and equity related securities is [1] determined by reference to e P/E multiple on e NIFTY 50 ; e remainder is to be invested in debt instruments, money market and cash. We also provide you wi e option of systematically investing in our T&C 4 equity funds rough e Automatic Transfer Strategy (ATS). Wi is strategy, you can allocate all or some part of your premium to Money Market Fund and transfer a chosen amount every mon into any one of e following funds Bluechip Fund, Multi Cap Grow Fund or Opportunities Fund. This facility is available only wi e Fixed Portfolio Strategy and is free of charge. ICICI Pru Assure Weal Super No. of annual premiums paid towards e Policy GA at e end of 15 Policy year 12 P / E Range < >20 Benefits in detail Guaranteed Addition (GA) A Guaranteed Addition would accrue to your Fund Value at e end of e 15 Policy year. The GA depends on e variant chosen and e number of one annual premiums paid. This is a percentage of one annual premium, as shown below: Allocation in Equity and Equity related securities 9 to 10 8 to 10 6 to 10 4 to 8 to 4 Risk-Reward Profile % % % % % 17 High Plus GA at e end of 15 Policy year GA will be allocated irrespective of e portfolio strategy chosen. [1] Source: Based on prices and consensus earnings estimates from Bloomberg % % % % 18

5 Additional Allocation of Units Additional units will be allocated every year till e end of e Policy only on payment of due premiums as shown below. This will lead to more an 10 of your premium getting allocated to your Policy. ICICI Pru Assure Weal Dea benefit In e unfortunate event of dea of e Life Assured, e Company shall pay e Sum Assured (reduced by partial widrawals) or e Fund Value, whichever is higher. T&C 2 Top Ups You can decide to increase your savings by investing surplus money over and above your regular premiums, at your convenience. The minimum amount of top-up is Rs.2,000. Top ups can be paid any time as long as all due premiums have been paid. There will be an increase of Sum Assured when you make a top up and you will get an option of choosing an increase of eier 125% or 50 of e top up premium amount. Change in Portfolio Strategy (CIPS) You can change your chosen portfolio strategy once every Policy year. This facility is provided free of cost. Any unutilized CIPS cannot be carried forward to e next Policy year Partial Widrawals Partial widrawals will be allowed after completion of seven Policy years and payment of: Super Plus Policy Year Additional allocation of Units (as a % of regular premium) 6 year onwards 2% 8 year onwards 2% a) at least five full years' premiums in case of Assure Weal Super b) at least seven full years' premiums in case of Assure Weal Plus This option is available irrespective of e portfolio strategy chosen. You will be entitled to make one partial widrawal, every ree Policy years, up to a maximum of 2 of Fund Value. For example, a partial widrawal can be done once from e 8 to 10 Policy year, once from e 11 to 13 Policy year and so on. Partial widrawals are free of cost. The minimum partial widrawal amount T&C 5 is Rs. 2,000. Increase or Decrease in Sum Assured T&C 6 You can choose to increase or decrease your Sum Assured. Switch between e funds in Fixed Portfolio Strategy: You have e option to switch among e seven funds as and when you choose depending on your financial priorities. The minimum switch amount is Rs. 2,000. Cover Continuance Option (CCO): This option ensures at your Policy and all its benefits continue in case you are unable to pay your premiums, any time after payment of: a) e first five years' premiums in case of Assure Weal Super b) e first seven years' premiums in case of Assure Weal Plus T&C 7 All applicable charges will be automatically deducted. Surrender Value This Policy acquires Surrender Value on payment of more an one year's premium. The Surrender Value is payable only after completion of ree Policy years or whenever e Policy is surrendered ereafter Value is Fund Value of e Policy at e time it is payable. T&C 8. The Surrender The surrender shall extinguish all rights, benefits and interests under e Policy

6 Illustration Amt. of Instalment Premium: Rs.20,000 Sum Assured: Rs. 100,000 Age at entry: 30 years Mode of premium payment: Yearly Portfolio Strategy: Fixed Term of illustration: 20 years Fund Management Charge (FMC) The following fund management charges will be adjusted from e NAV on a daily basis: Assure Weal Super 6% p.a. 1 p.a. Assure Weal Plus 6% p.a. 1 p.a. Fund Value Rs. 6,34,380 Rs. 9,61,590 Rs. 6,32,053 Rs. 9,56,342 This illustration is for a healy male wi 10 of his investments in Multi Cap Grow Fund. The above are illustrative values, net of all charges, service tax and education cess. Since your Policy offers variable returns, e given illustration shows two different rates (6% and 1 p.a. as per e guidelines of T&C 9 Life Insurance Council) of assumed future investment returns Additional Protection wi Riders You can furer customize your Policy wi optional riders, to enjoy additional protection, as given below: Rider charges for chosen riders will be recovered rough cancellation of units. For furer details, please refer to e Rider Brochure Charges under e Policy Premium Allocation Charge This charge will be deducted from e premium amount at e time of premium payment and units will be allocated ereafter. It will be levied as shown below Riders Accidental Dea and Disability Benefit Rider (ADBR) Critical Illness Benefit Rider (CIBR) ICICI Pru Assure Weal Super Plus Yr Benefits In e event of dea or disability due to an accident, e rider benefit amount would be paid accordingly In e event of e Life Assured contracting any of e specified critical illnesses, e rider benefit amount would be paid. Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8+ All top up premiums are subject to a premium allocation charge of 1%. Fund FMC Opportunities Fund, Multi Cap Grow Fund, Bluechip Fund, Dynamic P/E Fund, Multi Cap Balanced Fund, Income Fund 1.35% p.a Policy Administration Charge Mortality Charge Money Market Fund 0.75% p.a There will be a fixed Policy administration charge of Rs. 50 per mon, levied nd from e 2 to 10 Policy year, post which no Policy administration charge would be levied*. It will be charged regardless of e premium payment status. Mortality charges will be deducted on a monly basis on e life cover. Life cover is e difference between e Sum Assured (reduced by partial widrawals) and Fund Value at e time of deduction of charges. Mortality charges are applicable only if e Sum Assured (reduced by partial widrawals) exceeds Fund Value at e time of deduction of charges. Indicative annual charges per ousand life cover for a healy male and female life are as shown below*: Age (yrs) Male (Rs.) Female (Rs.) Switching Charge Miscellaneous Charges Four free switches are allowed every Policy year. Subsequent switches would be charged at e rate of Rs.100 per switch*. Any unutilized free switch cannot be carried forward to e next Policy year. If ere are any Policy alterations during e Policy term, ey will subject to a miscellaneous charge of Rs. 250 per alteration*. *These charges will be made by redemption of units.

7 Terms and Conditions Freelook period: A period of 15 days is available to e Policyholder to review e Policy. If e Policyholder does not find e Policy suitable, e Policy document must be returned to e Company wiin 15 days from e date of receipt of e same. On cancellation of e Policy during e freelook period, we will return e premium paid by e Policyholder subject to e deduction of: a. Stamp duty under e Policy b. Expenses borne by e Company on medical examination, if any The Policy shall terminate on payment of is amount and all rights, benefits and interests under is Policy will stand extinguished Dea benefit: In case e life assured is below 7 years at e time of dea, only Fund Value would be payable. Tax benefits under e Policy will be as per e prevailing Income Tax laws. Service tax and education cess will be charged extra by redemption of units, as per applicable rates. The tax laws are subject to amendments from time to time. Automatic Transfer Strategy (ATS): The minimum transfer amount under ATS is Rs. 2,000. ATS would be executed by redeeming e required number of units from Money Market Fund at e applicable unit value, and allocating new units in Bluechip Fund, Multi Cap Grow Fund or Opportunities Fund at e applicable unit value. At inception, you can opt st for a transfer date of eier 1 or 15 of every mon. If e date is not mentioned, e funds will be switched on e 1st day of every mon. If 1st or 15 of e mon is a non-valuation date, en e next working day's NAV would be applicable. Once selected, ATS would be regularly processed for e whole of life or until e Company is notified, rough a written communication, to discontinue e same. ATS would not be applicable if Fund Value of Money Market Fund is less an e nominated transfer amount. 5. Partial Widrawals: The minimum Fund Value post widrawal should be equal to at least 11 of one year's premium, else e Policy will be terminated and e balance Fund Value will be paid to e Policyholder. Partial widrawals are allowed only if e Life Assured is at least 18 years of age. There is a lock-in-period of ree years for each top up premium from e date of payment of at top up premium for e purpose of partial widrawals. However, for top up premiums paid in e last 3 years before Maturity Date, no partial widrawals will be allowed. Partial widrawals will have e following effect on your Sum Assured: a. Before e age of 60 years, Sum Assured payable on dea is reduced to e extent of partial widrawals made in e preceding two years After e age of 60 years, Sum Assured payable on dea is reduced to e extent of all partial widrawals made after attaining age 58 Increase or Decrease in Sum Assured: An increase in Sum Assured is allowed, subject to underwriting, if all due premiums till date have been paid before e Policy anniversary on which e life assured is aged 60 years completed birday. Any medical costs for is purpose would be borne by e Policyholder and will be levied by cancellation of units. Decrease in Sum Assured is allowed up to e minimum allowed under e given Policy. Such increases or decreases would be allowed on Policy anniversaries and in multiples of Rs. 1,000, subject to limits. Cover Continuance Option (CCO):If opted for, all applicable charges will be automatically deducted from e units available in your fund(s). The foreclosure condition mentioned in e terms and conditions will continue to be applicable. Additional allocation of units will not apply in case e cover continuance option is chosen. Premium Discontinuance: Surrender Value is Fund Value. The Policy acquires a surrender value on payment of more an one year's premium. However, it is only payable after completion of ree Policy years. If a surrender is sought wiin e first ree years, it will be paid at e end of e ird Policy year and will equal Fund Value at at time. Before payment of ree full years' premiums, if any premium is not paid wiin e grace period, Life Insurance Cover will cease and mortality charges will not be deducted. The Policy may be revived wiin two years (subject to underwriting, where applicable) from e date when e first unpaid premium was due so long as e Policy has not been terminated. During is period, e Policyholder will continue to be invested in e respective unit funds and Fund Value will be payable in case of dea of e Policyholder. If e Policy is not revived wiin is period, it will be foreclosed at e end of e ird Policy year or at e end of e revival period, whichever is later, by paying Surrender Value as per e Policy terms and conditions. For Assure Weal Super: If premiums have been paid for more an ree years but less an five years, Life Insurance Cover will continue for a period of two years from e date when e first unpaid premium was due so long as e Policy has not been terminated. The Policyholder can resume payment of premium any time during is period and e Policyholder will continue to be invested in e respective unit funds. If e premium payment is not resumed wiin e period of two years from e due date of e first unpaid premium, e Policy will be foreclosed by payment of Surrender Value as per e Policy terms and conditions.

8 In case of discontinuance of premium after paying five full years' premium, if e premium payment is not resumed wiin e period of two years from e due date of e first unpaid premium, e Policyholder will have e option of continuing e Policy wiout any furer payment of premium. Life Insurance Cover would be maintained and mortality charges levied subject to e foreclosure conditions as described in clause 11 below. However, if e Policyholder does not choose to continue e Life Insurance Cover, e Policy will be foreclosed by payment of Surrender Value as per e Policy terms and conditions, after expiry of two years from e date of first unpaid premium. For Assure Weal Plus: If premiums have been paid for more an ree years but less an seven years, Life Insurance Cover will continue for a period of two years from e date when e first unpaid premium was due so long as e Policy has not been terminated. The Policyholder can resume payment of premium any time during is period and e Policyholder will continue to be invested in e respective unit funds. If e premium payment is not resumed wiin e period of two years from e due date of e first unpaid premium, e Policy will be foreclosed by payment of Surrender Value as per e Policy terms and conditions. In case of discontinuance of premium after paying seven full years' premium, if e premium payment is not resumed wiin e period of two years from e due date of e first unpaid premium, e Policyholder will have e option of continuing e Policy wiout any furer payment of premium. Life Insurance Cover would be maintained and mortality charges levied subject to e foreclosure conditions as described in clause 11 below. However, if e Policyholder does not choose to continue e Life Insurance Cover, e Policy will be foreclosed by payment of Surrender Value as per as per e Policy terms and conditions, after expiry of two years from e date of unpaid premium. 9. The returns shown in e benefit illustration are not guaranteed and ey are not e upper or lower limits of what you might get back, as e value of your Policy depends on a number of factors including future investment performance. 10. Increase or Decrease in premium: Increase or decrease of premium will not be allowed under is product. 11. Foreclosure condition: If premiums have been paid for ree full Policy years and after ree Policy years have elapsed since inception, wheer or not e Policy is premium paying, if Fund Value falls below 11 of one year's premium, e Policy shall be terminated by paying Fund Value. 12. Grace Period: The grace period for payment of premium is 15 days for monly mode of premium payment and 30 days for oer frequencies of premium payment. 13. Suicide Clause: If e Life Assured, wheer sane or insane, commits suicide wiin one year from e date of issue of is Policy, no benefit will be payable. If e Life Assured, wheer sane or insane, commits suicide wiin one year from e effective date of increase in Sum Assured, en e amount of increase shall not be considered in e calculation of e dea benefit. 14. Unit Pricing: When appropriation/expropriation price is applied e Net Asset Value (NAV) of a Unit Linked Life Insurance Product shall be computed as, market value of investment held by e fund plus/less e expenses incurred in e purchase/sale of e assets plus e value of any current assets plus any accrued income net of fund management charges less e value of any current liabilities less provisions, if any. This gives e net asset value of e fund. Dividing by e number of units existing at e valuation date (before any new units are created/cancelled), gives e unit price of e fund under consideration. 15. Assets in e unit fund are valued daily on a mark to market basis. 16. If premiums for e second year onwards are received by outstation cheques, e NAV of e clearance date or due date, whichever is later, will be used for allocation of premium. 17. Transaction requests (including renewal premiums by way of local cheques, demand draft, switches, etc.) received before e cut-off time will be allocated e same day's NAV and ose received after e cut-off time will be allocated e next day's NAV. The cut-off time will be as per IRDA guidelines from time to time, which is currently 3:00 p.m. For all transactions on e last day of e financial year, e NAV of at day would be applicable, irrespective of e cut-off time. 18. No loans are allowed under is Policy 19. All renewal premiums received in advance will be allocated units at e NAV prevailing on e date on which such premiums become due. However, e status of e premium received in advance shall be communicated to e Policyholder.

9 20. Section 41: In accordance to e Section 41 of e Insurance Act, 1938, no person shall allow or offer to allow, eier 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 e whole or part of e commission payable or any rebate of e premium shown on e 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 wi e published prospectuses or tables of e insurer. Provided at acceptance by an insurance agent of commission in connection wi 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 wiin e meaning of is sub-section if at e time of such acceptance e insurance agent satisfies e prescribed conditions establishing at he is a bona fide insurance agent employed by e insurer. Any person making default in complying wi e provisions of is section shall be punishable wi fine which may extend to five hundred rupees. 21. Section 45: No policy of life insurance effected before e commencement of is Act shall after e expiry of two years from e date of commencement of is Act and no policy of life insurance effected after e coming into force of is Act shall, after e expiry of two years from e date on which it was effected be called in question by an insurer on e ground at statement made in e proposal or in any report of a medical officer, or referee, or friend of e insured, or in any oer document leading to e issue of e policy, was inaccurate or false, unless e insurer shows at such statement was on a material matter or suppressed facts which it was material to disclose and at it was fraudulently made by e policy-holder and at e policy-holder knew at e time of making it at e statement was false or at it suppressed facts which it was material to disclose: Provided at noing in is section shall prevent e 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 e terms of e policy are adjusted on subsequent proof at e age of e life insured was incorrectly stated in e proposal. 22. For furer details, refer to e Policy document and detailed benefit illustration. Revision of charges The Company reserves e right to revise e following charges at any time during e term of e Policy. Any revision will apply wi prospective effect, subject to prior approval from IRDA and if so permitted by e en prevailing rules, after giving a notice to e Policyholders. The following limits are applicable: Fund management charge may be increased to a maximum of 2.5 per annum of e net assets for e fund Total Policy Administration Charge may be increased to a maximum of Rs.240 per mon Miscellaneous charge may be increased to a maximum of Rs. 500 per alteration Switching charge may be increased to a maximum of Rs. 200 per switch The Policyholder who does not agree wi an increase in charges shall be allowed to widraw e units in e funds at e en prevailing Fund Value. Mortality charges, premium allocation charges and surrender charges are guaranteed for e term of e Policy. Risks of investment in e units of e funds The Life Assured should be aware at e investment in e units is subject to e following risks: a. ICICI Pru Assure Weal is a Unit-Linked Insurance Policy (ULIP) and is different from traditional products. Investments in ULIP's are subject to investment risks. b. ICICI Prudential Life Insurance Company Limited, ICICI Pru Assure Weal, Super, Plus, Opportunities Fund, Multi Cap Grow Fund, Bluechip Fund, Dynamic P/E Fund, Multi Cap Balanced Fund, Income Fund and Money Market Fund are only names of e Company, Policy, variants and funds respectively and do not in any way indicate e quality of e Policy, funds or eir future prospects or returns. c. The investments in e funds are subject to market and oer risks and ere can be no assurance at e objectives of any of e Funds will be achieved.

10 d. The premium paid in unit linked insurance policies are subject to investment risks associated wi capital markets and debt markets and e NAVs of e units may go up or down based on e performance of fund and factors influencing e capital market and e insured is responsible for his/her decisions. e. The past performance of oer funds of e Company is not necessarily indicative of e future performance of any of ese funds. f. The funds do not offer a guaranteed or assured return. About ICICI Prudential Life Insurance ICICI Prudential Life Insurance Company Limited, a joint venture between ICICI Bank and Prudential plc. was one of e first companies to commence operations when e insurance industry was opened in year Since inception, it has written over 10 million policies and has over 237,000 advisors and 6 bank partners. For more information, call our customer service toll free number on from your MTNL or BSNL lines. (Call Centre Timings: 9:00 A.M. to 9:00 P.M. Monday to Saturday, except National Holidays) To know more, please visit Registered Office: ICICI Prudential Life Insurance Company Limited, ICICI PruLife Towers, 1089, Appasaheb Marae Marg, Prabhadevi, Mumbai , ICICI Prudential Life Insurance Co. Ltd. Insurance is e subject matter of e solicitation. Tax benefits under e policy are subject to conditions under Sec. 80C and Sec 10(10D) of e Income Tax Act, Service tax and education cess will be charged extra as per applicable rates and company policy from time to time. Tax laws are subject to amendments from time to time. This product brochure is indicative of e terms, conditions, Ver. No. 02/Premier warranties Life Pension/JAS/Repro/w.e.f. and exceptions in e 18 insurance Apr 2008 policy. In e event of conflict, if any between e terms & conditions contained in is brochure and ose contained in e policy documents, e terms & conditions contained in e Policy Document shall prevail. Reg. No Form No. ICICI Pru Assure Weal (variant Plus) U72; (variant Super) U73; UIN 105L098V01; Advt No-L/IC/900/