Personalised proposal

for securing your retirement goals

LIFELONG INCOME LIQUIDITY

SAVINGS RETIREMENT GUARANTEED
FULFIL DREAMS PLANNING
FINANCIAL FREEDOM

CHOOSE YOUR RETIREMENT AGE PENSION PLAN

FLEXIBILITY CONTINUE YOUR LIFESTYLE

Joint Life With Return Of Premium Wop

Congratulation zy ,
You have taken the first step towards securing your
retirement by investing in
ICICI Pru Guaranteed Pension Plan Flexi.

To know more about your policy, please read on…

Key feature(s):
Guaranteed* income for life

Extend income to your spouse#

Total premiums paid, returned^ to the nominee

Waiver of future premiums&

 How does your plan work:

You pay You get

Yearly premiums of
1 Policy Year Yearly Income Policy Year Yearly Income
14 ` 1,88,290/- 29 ` 1,88,290/-
2,00,000/- for 12 years
19 ` 1,88,290/- 34 ` 1,88,290/-
(Total: 24,00,000/- )
24 ` 1,88,290/-

Other features of the plan:

`
Option to change the Option to receive the
premium payment frequency return of premium as income2

Option to
Top-up to save more
3 withdraw funds4 Loan against policy5
after retirement begins

Why choose us:

9.84 Cr 3.08 Lakh Cr 2.87 Lakh Cr

lives covered as on assets under management benefits paid till
June 30, 2024 as on June 30, 2024 June 30, 2024

More than 1 Lakh Quick claim

retirement dreams secured till settlement
Mar 31, 2024
*The income/annuity amount is guaranteed for life and payable after the deferment period. For increasing income: Your income increases every year by 5% of the income
in the first payout year. #Joint life may be opted with either spouse, child, parent, or sibling. ^If the Return of Premium option is chosen, you can get back your total
premiums paid in case of death of the annuitant. &Applicable for joint life options. Future premiums will be waived in the event of primary annuitant's death, and
applicable benefits will continue for secondary annuitant. **A minimum of 100% guaranteed moneyback can be availed anytime before the retirement income starts.
Premiums are exclusive of taxes. 2Under this option, the death benefit shall become payable in form of structured regular income over a period of 5 years. Fore more
1

details please refer to the policy document. 3This option can be chosen anytime during the deferment period only and while the policy is in-force. The additional annuity
payable will be calculated as per the then prevailing annuity rates and age of the Annuitant at the time of top-up. 4Minimum withdrawal amount is ₹ 5000 and maximum
withdrawal amount will e lower of 60% of Total premiums paid and Surrender Value. A total of 3 withdrawals would be permitted during the entire policy tenure and
future annuity payouts would be reduced accordingly This feature is not available with Increasing Annuity options. 5This feature is available for all options with Return of
Purchase Price. Loan amount of up to 60% of Surrender Value can be obtained. The interest rate would be equal to 10 year G-sec + 1.50%.
*The data represents the active policyholders as of June 30, 2024, since the inception of the policies of ICICI Pru Saral Pension, ICICI Pru Guaranteed Pension Plan Flexi,
ICICI Pru Guaranteed Pension Plan.

ICICI Prudential Life Insurance Company. IRDAI Regn No. 105. CIN:L66010MH2000PLC127837. ICICI Prudential Life Insurance Company Limited. Registered
Address:1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025.. For more details on the risk factors, terms & conditions, please read the policy document.
ICICI Pru Guaranteed Pension Plan Flexi. UIN: 105N187V07 . COMP/DOC/Oct/2024/1410/7368
 Benefit Illustration Of ICICI Pru Guaranteed Pension Plan
Flexi

A Non-Participating Non-Linked Individual Savings Deferred Annuity

Product
Prepared for Mr. zy
Proposer/ Policyholder : Mr. zy Name of the Product : ICICI Pru Guaranteed Pension
Plan Flexi
Age of the Policyholder : 25-Dec-1958 (66 years) Tag Line : A Non - Participating Non-Linked
Individual Savings Deferred
Annuity Product
Annuity (Deferred/Immediate) : Deferred
Gender of the Policyholder : MALE Unique Identification No. : 105N187V07
Primary Annuitant : Mr. zy Applicable Tax for Year 1 : 4.5%
Age of Primary Annuitant : 25-Dec-1958 (66 years) Applicable Tax For Year 2 : 2.25%
Onwards
Gender of the Primary Annuitant : MALE Sales Channel : Agency
Secondary Annuitant : Mr.
Age of Secondary Annuitant : 25-Dec-1989 (35 years)
Gender of the Secondary Annuitant : Male
Relationship of Secondary annuitant : Son
with the Primary Annuitant
Amount of Instalment Premium : Rs. 200,000/- Loyalty Booster : No
(without GST and cesses, if any)
Frequency of Premium Payment : Yearly Benefit Enhancer : No
Premium Payment Term : 12 Years
Deferment Period (from policy : 13 Years
inception)

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy

Policy Details
Annuity Option (Plan option Joint Life With Return Of Premium Annuity as per frequency chosen by you : Rs. 188,290
selected by You) : Wop
Percentage of annuity to Secondary 100% Frequency of annuity payments : Yearly
Annuitant on death of the Primary
Annuitant (if Applicable)
Waiver of Premium benefit option, if Yes Guaranteed Annuity payable in a year : Rs. 188,290
selected
Benefits Payable on Death(Rs.) : Refer column "Death Benefit (Rs.)
(Benefit amount payable on death
of last surviving Annuitant)" in policy
year wise details given below

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST 200,000 - 200,000
Instalment Premium With first year GST 209,001 - 209,001
Instalment Premium With GST from 2nd year onwards 204,501 - 204,501

Policy Year Annual Premium (Rs.) Guaranteed Benefits Surrender Benefits, if any
Annuity payments Accrued Guaranteed Death Guaranteed Special Surrender Surrender Value (Rs.)
(Rs.) Additions (Rs.) Benefit(Benefit Surrender Value Value (Rs.)
amount payable on (Rs.)
death of last
surviving
Annuitant) (Rs.)
1 200,000 0 12,000 212,000 30,000 88,320 88,320
2 200,000 0 36,000 436,000 120,000 190,011 190,011
3 200,000 0 72,000 672,000 210,000 306,582 306,582
4 200,000 0 120,000 920,000 400,000 439,695 439,695
5 200,000 0 180,000 1,180,000 500,000 591,175 591,175
6 200,000 0 252,000 1,452,000 600,000 763,031 763,031
7 200,000 0 336,000 1,736,000 700,000 957,468 957,468
8 200,000 0 432,000 2,032,000 928,000 1,176,916 1,176,916
9 200,000 0 540,000 2,340,000 1,188,000 1,424,032 1,424,032
10 200,000 0 660,000 2,660,000 1,480,000 1,701,750 1,701,750
11 200,000 0 792,000 2,992,000 1,804,000 2,013,281 2,013,281
12 200,000 0 936,000 3,336,000 2,160,000 2,362,157 2,362,157
13 0 0 1,080,000 3,480,000 2,160,000 2,540,555 2,540,555
14 0 188,290 1,080,000 3,480,000 0 2,555,038 2,555,038
15 0 188,290 1,080,000 3,291,710 0 2,554,004 2,554,004
16 0 188,290 1,080,000 3,103,420 0 2,552,895 2,552,895
17 0 188,290 1,080,000 2,915,130 0 2,551,731 2,551,731
18 0 188,290 1,080,000 2,726,840 0 2,550,476 2,550,476
 19 0 188,290 1,080,000 2,538,550 0 2,549,151 2,538,550
20 0 188,290 1,080,000 2,400,000 0 2,547,731 2,400,000
21 0 188,290 1,080,000 2,400,000 0 2,546,222 2,400,000
22 0 188,290 1,080,000 2,400,000 0 2,544,661 2,400,000
23 0 188,290 1,080,000 2,400,000 0 2,543,088 2,400,000
24 0 188,290 1,080,000 2,400,000 0 2,541,439 2,400,000
25 0 188,290 1,080,000 2,400,000 0 2,539,693 2,400,000
26 0 188,290 1,080,000 2,400,000 0 2,537,848 2,400,000
27 0 188,290 1,080,000 2,400,000 0 2,535,923 2,400,000
28 0 188,290 1,080,000 2,400,000 0 2,533,911 2,400,000
29 0 188,290 1,080,000 2,400,000 0 2,531,785 2,400,000
30 0 188,290 1,080,000 2,400,000 0 2,529,570 2,400,000
31 0 188,290 1,080,000 2,400,000 0 2,527,247 2,400,000
32 0 188,290 1,080,000 2,400,000 0 2,524,811 2,400,000
33 0 188,290 1,080,000 2,400,000 0 2,522,292 2,400,000
34 0 188,290 1,080,000 2,400,000 0 2,519,670 2,400,000
35 0 188,290 1,080,000 2,400,000 0 2,516,938 2,400,000

Annuity will be payable For As Long As either Of the Annuitants are alive.

Note: "Annual premium" is defined as Instalment premium (without taxes) multiplied by the premium payment frequency chosen by the policyholder.

Example to understand when your Annuity will start:

If your last annual premium is paid on Jan 15, 2031, and your deferment period ends on Jan 15, 2032, then Annuity is payable from -
• For Annual mode: Jan 15, 2033 • For Half-yearly mode: July 15, 2032 • For Quarterly mode: April 15, 2032 • For Monthly mode: Feb 15, 2032
These pay-out dates are indicative.

Important points to note:

1.The surrender values and Death Benefit (benefit amount payable on death of the Annuitant) mentioned above are illustrated assuming that the
event occurs at the end of the year, after the accrual of guaranteed additions due and before the payment of annuity due at the end of the respective
year. On death of the primary annuitant during the premium payment term, the future premiums will be waived off and the applicable benefits will
continue to be paid to the secondary annuitant. This benefit of waiver of premium is applicable only in case of death of primary annuitant while the
policy is inforce and premium paying.
2.The displayed Special Surrender Values are not guaranteed and only indicative.
3.The surrender values may be different than those illustrated above on account of multiple factors such as surrender taking place before the end of
the policy year, non-payment of all the instalment premiums payable in that policy year, etc. The policyholder is advised to check the surrender value
payable with the company before surrendering.
Please refer to your sales brochure and policy document for more details.

I __________________________________, (Name) have explained I ______________________________, (Name) having received

the premiums payable, benefits receivable and the terms & condition the information with respect to the above, have understood the
under the product fully to the prospect / policyholder. above statement before entering into the contract.

Place:
Date: Signature of Agent / Intermediary / Official of the Insurer Date: Signature of Prospect / Policyholder

ICICI Prudential Life Insurance Company Limited.

1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025
Email: lifeline@iciciprulife.com
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.

Sl Title Description Policy

No Clause
(Please refer to applicable Policy Clause Number
Number in next column)
1 Name of Insurance Policy schedule
ICICI Pru Guaranteed Pension Plan Flexi
Product and Unique
Identification Number UIN: 105N187V07
(UIN)
2 Policy number Policy schedule

3 Type of Insurance A Non-Participating Non-Linked Individual Policy schedule

Policy Savings Deferred Annuity Product
4 Basic Policy details Premium Instalment (in ₹): 2,00,000/- Policy schedule
Premium Payment frequency: Yearly
Premium payment term: 12 years
5 Policy Benefits payable on maturity- Part C -Clause
Coverage/benefits Not applicable 1
payable Part D-Clause
Benefits payable on death- 2,7
In case of death of Annuitant(s) death
benefit is payable to the Claimant. It will be
based on the annuity option chosen.
Refer to Part C , Clause 1 of policy
document.

Surrender benefits-
You can Surrender the Policy any time after
payment of at least one full policy year’s
Premium(s). Prior to receipt of one full year’s
premium , no surrender value is payable.

Refer to Part D, Clause 2 of policy

document.

Survival Benefits excluding that payable on

maturity- Annuity will be paid for as long as
the Primary Annuitant and/or Secondary
Annuitant is alive, as per the chosen
 annuity option.
Refer to Part C , Clause 1 of policy
document.

Options to policyholders for availing

benefits, if any, covered under the policy-
Under this feature, the Policyholder is
allowed to encash up to 60% of the Total
Premiums Paid less the amount withdrawn
al (if any) as Special Withdrawals over the
lifetime of this Policy and keep the annuity
payments ongoing. This feature is available
only to few annuity options.
Refer to Part D , Clause 7 of policy
document.

Other benefits/options payable, specific to

the policy, if any- Not applicable.

6 Options available (in Not applicable

case of Linked
Insurance Products)
7 Option available (in Type of Deferred annuity option: Policy schedule
case of Annuity a) Single life without Return of Premium
product) b) Joint Life without Return of Premium
c) Single life with Return of Premium
d) Joint Life with Return of Premium
e) Single Life with Return of Premium
on Critical illness (CI) or Permanent
Disability due to accident (PD) or
Death
f) Increasing Annuity for Single Life
with Return of Premium.
g) Increasing Annuity for Joint Life with
Return of Premium

The annuity option applicable to you is

mentioned in policy schedule.

Proportion of annuity amount guaranteed

for variable pay-out option: Not applicable

Any other option: Not applicable

8 Riders opted, if any Not applicable

9 Exclusions (events Suicide: During the Deferment Period, in case Part F,Clause
where insurance death of the Annuitant or death of the last 11
coverage is not survivor in a Joint Life Policy, due to suicide
payable), if any within 12 months from the date of
commencement of risk under the Policy or
from the date of revival of the Policy, as
applicable, the Nominee/legal heir shall be
entitled to at least 80% of the total premiums
paid till the date of death or the surrender
value available as on the date of death
whichever is higher, provided the Policy is in
force. The Policy will terminate on making
such a payment and all rights, benefits and
interests under the Policy will stand
extinguished.
In case of death due to suicide after the
Deferment Period, the above suicide clause
is not applicable and Death Benefit as per
the option chosen will be applicable.

Refer to Part F, Clause 11 of policy

document

10 Waiting /lien Period, if Not Applicable

any
11 Grace Period 15 days-For monthly Part C-Clause
frequency of premium payment 5
30 days- For other frequencies of premium
payment

Refer to Part C, Clause 5 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 Lapse: The Policy shall lapse if premium Part D-Clause
revival of the Policy payment is discontinued before payment of 9,8
premiums for' at least one full years and all Part C -Clause
benefits shall extinguish. In case the lapsed 4
policy is not revived by the end of revival
period, the policy will terminate
Refer to Part D,Clause 9 of policy document

Paid up: If premium payment is

 discontinued before the end of the Premium
Payment Term but after You have paid at
least one full years’ premium, the Policy can
continue as a paid-up Policy with reduced
benefits as described below. ii)Paid-up
Annuity amount = Original Annuity amount
X {number of months for which premiums
are paid / (12 X Premium Payment Term)}
Refer to Part C, Clause 4of policy document

Revival: i)A Policy which has discontinued

payment of Premium may be revived
subject to Board Approved Underwriting
Policy and certain condition.
ii)The application for revival is made within
5 years from the due date of the first unpaid
premium. Revival will be based on the
prevailing Board Approved
Underwriting Policy (BAUP).
Refer to Part D, Clause 8 of policy
document

14 Policy Loan, if For Loans availed during the Deferment Part D -Clause
applicable Period: 3
-Loan amount of up to 60% of the
Surrender Value can be availed.

•For Loans availed after the Deferment

Period citing health related ailments:
-Maximum amount of Loan that can be
granted after the Deferment Period shall be
such that the effective annual interest
amount payable on Loan does not exceed
50% of the annual Annuity amount payable
under the Policy.
-The Loan amount cannot exceed 60% of
the Surrender Value at the time of granting
of loan.

Refer to Part D, Clause 3 of policy

 document

15 Claims/Claims Turn around Time – For TAT details for Part F-Clause
Procedure death claim refer to 10
https://www.iciciprulife.com/contact-
us/our-services-turn-around-times.html

For any assistance on Claims, you can call

Us on 18002660 (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
claimsupport@iciciprulife.com

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/dow
nload-centre.html
16 Policy Servicing Turn around Time – For TAT details for policy Part G
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 18002660
or visit Our website: www.iciciprulife.com.
Alternatively, You may communicate with
 Us at any of our branches or the customer service
helpline number 18002660 or email at
lifeline@iciciprulife.com. For updated contact
details, We request You to regularly check Our
website.
17 Grievances 1. You may write to gro by visiting the grievance Part G
/Complaints redressal page of our website:
https://www.iciciprulife.com/services/grievance-
redressal.html. Alternatively, you can contact
the Grievance redressal officer at our branches
or write to us at gro@iciciprulife.com

2. https://www.iciciprulife.com/services/grievance-
redressal.html

3. Kindly refer the Insurance Ombudsman details

under part G under the ‘Specimen Policy
Document’ available at Download Centre |
ICICI Prulife . This is subject to change from
time to time
Additionally, the contact details of Ombudsman
can be accessed through
https://www.cioins.co.in/Ombudsman
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