Snapshot of your plan
Details of the Life Assured (person covered under the policy):
Name Age Gender
NATASHA BISHNOI 30 Female
You pay You get
Yearly premium of
` 1,13,666/- for 7 years
Lump sum on maturity
Year
Oct 2024 Oct 2030 Oct 2064
You get comprehensive protection throughout the policy term
Your benefits
Protection Wealth Creation
Life insurance cover of At the end of the policy term, i.e. in
` 1,00,00,000/- from Oct 2024 Oct 2064 you will get a lump sum
to Oct 2064 maturity benefit equal to your policy fund
+ value. Since the plan offers market linked
returns, below is the lump sum you are
Accidental death cover of
` 1,00,00,000/ from Oct 2024 likely to receive at two different scenarios
to Oct 2064 of assumed rate of return(ARR*):
+ Maturity benefit
Accidental disability cover of At 8% ARR*: `56,88,134/-
` 1,00,00,000/- from Oct 2024 At 4% ARR*: `18,90,055/-
to Oct 2064
You have opted for Life option
ICICI Pru Protect N Gain
Name of the Policyholder : Ms. NATASHA BISHNOI Name of the Product : ICICI Pru Protect N Gain
Age of the Policyholder at : 15-Nov-1993 (30 years) Tag Line : A Non-Participating Linked
policy inception Individual Savings Life Insurance Plan
Gender of the Policyholder : Female
Name of the Life Assured : Ms. NATASHA BISHNOI Unique Identification No. : 105L191V03
Age of the Life Assured at : 15-Nov-1993 (30 years) Plan option chosen : Life
policy inception
Gender of the Life Assured : Female GST Rate : 18%
Sum Assured (Rs.) : Rs. 10,000,000/- Portfolio Strategy chosen : Fixed
Policy Term : 40 years Funds opted for : Value Enhancer Fund: 100 %
Premium Payment Term : 7 years Fund risk profile : High
Amount of Instalment Premium : Rs. 1,19,726/- Systematic Withdrawal Plan, if : No
(Rs.) chosen
Mode of Payment of Premium : Yearly Sales Channel : Corporate Agent
Smoker : Non-smoker
Premium Summary
Base Plan ICICI Pru Linked Accidental ICICI Pru Linked Accidental Total Instalment Premium
Death and Disability Rider Death and Disability Rider Paid
(Accidental Death Benefit (Accidental Total &
option) Permanent Disability
Benefit option)
Instalment Premium without GST and Cesses, if any Rs. 80,000/- Rs. 19,100/- Rs. 14,566/- Rs 113,666/-
Instalment Premium with First Year GST and Cesses, if any Rs. 80,000/- Rs. 22,538/- Rs. 17,188/- Rs. 119,726/-
How to read and understand this benefit?
This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges and taxes, may
grow over the years of the policy term if the fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% p.a. and 4% p.a. are assumed
only for the purpose of illustrating the flow of benefits if the returns are at this level. It should not be interpreted that the returns under the plan are
going to be either 8% p.a. or 4% p.a.; 8% p.a. or 4% p.a. are not the maximum or minimum limits of the returns that can be expected under the
product.
Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges,
underwriting extra, if any, guarantee charges and cost of rider, if deducted by cancellation of units and taxes. It demonstrates the impact of charges
exclusive of taxes on the gross yield. Please note that the mortality charges per thousand sum assured in general, increases with age.
The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of
riders etc. The investment risk in this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales
literature carefully.
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life
insurance business. If your policy offers guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If
your policy offers variable benefits then the illustration on this page will show two different rates of assumed future investment returns, of 8% p.a.
and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value
of your policy is dependant on a number of factors including future investment performance.
Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death
benefit, at two assumed rates of return. Part B of this statement presents a detailed break-up of the charges, and other values.
Part A
(Amount in Rupees)
*Includes Premium Allocation Charge, Policy Administration Charge & Fund Management Charge. See Part B for details.
IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR
ILLUSTRATIVE PURPOSE
I, , have explained the I, , having received the
premiums, charges and benefits under the policy fully to the information with respect to the above, have understood the
prospect / policyholder. above statement before entering into the contract.
Place: Place:
Date: Signature of Agent / Intermediary / Official Date: Signature of Prospect / Policyholder
