"The premium of Rs. 375 p.m. has been approximately calculated for a 21 year old healthy female for a life cover of Rs.50 lakh for the ICICI Pru iProtect Smart – Life Option under the regular income payout option for a policy term of 27 years is Rs. 4,374 p.a. (inclusive of all taxes)

“”” The premium for 22 years old healthy male for a life cover of Rs 1cr for the ICICI Pru life iProtect Smart –life option under regular income payout option for a policy term of 20 years is Rs 629 p.m.(inclusive all taxes)

The premium for 22 years old healthy female for a life cover of Rs 50 lakhs for the ICICI Pru life iProtect Smart –life option under regular income payout option for a policy term of 20 years is Rs 370 p.m.(inclusive all taxes).

2The premium of Rs. 490 p.m. has been approximately calculated for a 18 year old healthy male life with monthly mode of payment and premiums paid regularly for the policy term of 18 years with income payout option with Life Cover of Rs 1 crore. Goods and Services tax and/or applicable cesses (if any) as per applicable rates will be charged extra.

3A Life Assured shall be regarded as Terminally Ill only if that Life Assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners’ specializing in treatment of such illness, is highly likely to lead to death within 6 months. The terminal illness must be diagnosed and confirmed by medical practitioners’ registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment.

5On diagnosis of Permanent Disability (PD) due to an accident, the future premiums under your policy for all benefits are waived. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer sales brochure of ICICI Pru iProtect Smart.

6Policy issuance is also subject to individual case eligibility criteria.

7Savings in yearly mode of premium payment are in the form of Modal Loadings. For monthly and Half-yearly mode of premium payment, modal loadings are 2.5% and 1.25% respectively.

8Our Life insurance policies cover COVID-19 claims under life insurance claims, subject to applicable terms and conditions of policy contract and extant regulatory framework. COVID-19 is not included in Critical Illness benefit covered under IProtect Smart.

99Accidental Death benefit (ADB) is up to Rs. 2 Crores. ADB is available in Life Plus and All in One options. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit will be equal to the policy term or (80-Age at entry), whichever is lower.

12Additional premium will be calculated based on the increased Sum Assured and outstanding policy term as per your age at the time of each such increase.

# Subject to realization of payment and documents. Policy can be purchased in 3 steps: 1. Generating premium quote 2. Filling basic details and answering health related questions 3. Premium payment.

^Tax benefits of Rs. 54,600(Rs. 46,800 u/s 80C & Rs. 7,800 u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge as per old tax regime)on life insurance premium u/s 80C of Rs. 1,50,000 and health premium u/s 80D of Rs. 25,000. Tax benefits subject to conditions under Section 80C, 80D,10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good and Service tax and Cesses, if any will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

^^As per internal data of users who have visited iciciprulife.com in the month of November, 2019 and checked their premium for term insurance product, iProtect Smart.

~This is computed basis individual claims settled over total individual claims for the financial year. For details, refer to the Annual Report for FY2018-19 on our Website.This is computed basis individual claims settled over total individual claims for the financial year. For details, refer to the Annual Report for FY2018-19 on our Website.

`As per Financial Statements (Schedule 4- Benefits paid (Gross))of the company, benefits paid since inception up to March 31, 2019.

¶Calculation of 85 years is based on the existing life years , that is, 85 years of age minus your current age.

-The Average Claims TAT for FY2019 for Death Claim (Individual) is 2.34 days. Non-Investigated Claims from Last Document received to Disbursal date.

##Critical Illness Benefit (CI Benefit) is optional and available under Life and Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Only doctor’s certificate confirming diagnosis needs to be submitted. The benefit is payable only on the fulfillment of the definition of the diagnosed critical illness. The CI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the CI Benefit paid. The future premiums payable under the policy will reduce proportionately. If CI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. To know more in detail about CI Benefit, terms & conditions governing it, kindly refer to sales brochure. CI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower.

**The percentage saving computed is purely in terms of premium paid over the term (Difference between 5 years Limited and Regular pay) of the policy and does not account for time & other factors that may happen during this period. It is one of the many features that the product offers and you can opt for it based on your individual needs. The percentage saving is for ICICI Pru iProtect Smart - Life Option for ₹ 1 Crore life cover for a 26 year old healthy Male for a policy term of 58 years with lump sum payout option. The annual premium for 5 years Limited Pay option will be ₹ 85,762 & the monthly premium will be ₹ 7,324. The premium amounts are inclusive of taxes.

*Day 1 is counted from the day of receiving the last document. All due premiums in the policy must have been paid and the policy must have been active for a continuous period of 3 years. Mandatory document to be submitted at Branch Office before 3pm on a working day- Original policy certificate, copy of death certificate by local authority, Nominee’s current address proof, photo identity proof, Cancelled cheque, Copy of bank passbook, Copy of medico legal cause of death, Medical records (Admission notes, Discharge / Death summary, Test reports, etc.). For accidental death – Copy of FIR, Panchanama, Inquest report, Driving license. Claim documents submitted prior to 3pm will be considered for ULIP policies. Interest will be paid on claim amount for every day of delay beyond 1 working day. Applicable only for non-investigative death claims. Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. In case of breach in regulatory turnaround time, interest will be paid as per IRDAI regulations.Total claim amount of all the policies is less than or equal to 1.5 crore.

‘5% discount on premium is applicable only for Regular and Limited pay policies. In case of Single Pay, discount applicable is 2% of Single Premium.

+The premium per month has been calculated for a healthy non-smoker male for a life cover of ₹ 1 crore and for a policy term of 30 years under the ICICI Pru iProtect Smart - Life option with regular pay option and regular income payout option. Premium amount will differ according to the age and benefit option chosen.

``Based on number of policies sold online between January 2019 - December 2019, 33% of our online customers purchase the optional critical illness benefit rider with their policy.

ADVT no. - W/II/1546/2020-21

ICICI Pru iProtect Smart UIN 105N151V06. W/II/1716/2020-21

ADVT no. - W/II/1372/2020-21

†The percentage saving computed is purely in terms of premium paid over the term (Difference between 10 years Limited and Regular pay) of the policy and does not account for time & other factors that may happen during this period. It is one of the many features that the product offers and you can opt for it based on your individual needs. The percentage saving is for ICICI Pru iProtect Smart - Life Option for ₹ 50 Lakh life cover for a 20 year old healthy Male for a policy term of 65 years with lumpsum payout option. The annual premium for 10 years Limited pay option will be ₹ 29,866 & the annual premium for Regular Pay option will be ₹11,928. The total payable premium through the term of the policy for 10 years Limited pay option with annual premium will be ₹ 2,98,660 & for Regular pay option with annual premium will be ₹ 7,75,320. The premium amounts are inclusive of taxes.Calculation of 85 years is based on the existing life years, that is, 85 years of age minus your current age.

1The premium of Rs.372 p.m. has been calculated for a 19 year old healthy male for a life cover of Rs.50 lakh for the ICICI Pru iProtect Smart – Life Option under the regular income payout option for a policy term of 25 years is Rs. 4345 p.a.(inclusive of all taxes)

4The premium of Rs.590 p.m. has been approximately calculated for a 18 year old healthy male for a life cover of Rs.1 crore and an accelerated critical illness cover of Rs. 10 lakh under the ICICI Pru iProtect Smart – Life & Health Option for a regular income payout option for a policy term of 13 years is Rs.6,847 p.a. (exclusive of all taxes). Goods and Services tax and/or applicable cesses (if any) as per applicable rates will be charged extra.

11The premium for a 20 year old non-smoker healthy male with a life cover of Rs.2 crore under the ICICI Pru iProtect Smart – Life Option with income payout option for a policy term of 19 years under Regular Pay is Rs. 880 pm (inclusive of all taxes).

=The premium for a 20 year old non-smoker healthy male with a life cover of Rs.2 crore under the ICICI Pru iProtect Smart – Life Option with income payout option for a policy term of 19 years under Regular Pay is Rs. 880 pm (inclusive of all taxes).

++The premium of Rs. 657 p.m. has been approximately calculated for a 23 year old healthy male for a life cover of Rs.1.5 crore for the ICICI Pru iProtect Smart – Life Option under the regular income payout option for a policy term of 24 years is Rs.7,669 p.a. (exclusive of all taxes). Goods and Services tax and/or applicable cesses (if any) as per applicable rates will be charged extra.

© ICICI Prudential Life Insurance Co. Ltd. All rights reserved. Registered with Insurance Regulatory & Development Authority of India (IRDAI) as Life Insurance Company. Regn. No. 105. CIN: L66010MH2000PLC127837. Reg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600. Member of the Life Insurance Council. For more details on the risk factors, term and conditions please read the product brochure carefully before concluding the sale. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license.