^#The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses covered, please refer to the sales brochure.

^**Tax benefit of Rs 54,075 is calculated at highest tax slab rate of 30.9% (including Cess) on insurance premium u/s 80C/80CCC of Rs 1,50,000 and health premium u/s 80D of Rs 25,000. Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Service tax and Swach Bharat cess and other applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time.

²The non-medical limit depends on age(upto 50 yrs) & health status.

³Tax benefits are subject to conditions of section 80C, 80CCC, 80D, 10(10D) and 10(10A) of the Income Tax Act, 1961 and are subject to amendments made thereto from time to time. Service Tax and Swach Bharat cess and other applicable cesses will be charged extra as per applicable rates.

⁴Premiums paid under policy are eligible for tax benefit under Section 80CCC and commutation is tax free under section 10(10A) of the Income Tax Act, 1961. On commutation you can receive up to one third of the accumulated value

⁵Available only in Life Plus and All in One option

⁶Available only in Life Option

⁷The Maximum equity exposure in this plan will be 60% or 45% depending on your age at entry. Over the time period, allocation to the equity will gradually decrease in order to provide capital protection

⁸8On Maturity, you will receive higher of Assured Benefit or fund value.
Assured Benefit will be 101% of total premium paid which is applicable only on maturity of the policy and does not apply on death or surrender

⁹Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters. An additional Loyalty Addition of 0.25% is paid every year from the end of year 6 if all premiums for that year have been paid. Each Wealth Booster will be a percentage of the average of Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters as shown in the table below.

¹⁰ Wealth booster - Each addition will be equal to 1% of the percentage of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.

¹¹A Loyalty Addition will be allocated at the end of every policy year starting from the end of the sixth policy year. Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as shown in the table below.

An additional loyalty addition of 0.25% is paid every year from the end of year 6 if all premiums for that year have been paid. For Wealth Boosters, each addition will be equal to 1.50% of the percentage of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.

¹²Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as shown in the table below.

An additional loyalty addition of 0.25% is paid every year from the end of year 6 if all premiums for that year have been paid. The additional loyalty additions will also be calculated as described above.

¹³ Guaranteed cash benefit will be equal to 1 % of the GMB. Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any This is a regular payout which you will receive each month of the 10 year period, starting from the beginning of the payout phase. Your regular payout will be equal to 1 % of the GMB. You can also chose to receive this payout every year instead of every month. In this case your regular payout will be 11.5% of GMB.

¹⁴ Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any

¹⁵ Guaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium.

Condition Apply:
Guaranteed benefits are available only if all premiums are paid as per the premium payment term and the policy is inforce till the completion of entire policy term.

ICICI Prudential Easy Retirement - On vesting, i.e. maturity, the Policyholder will be entitled to the Assured Benefit or Fund Value including Top up Fund Value, if any, whichever is higher.

It includes Reversionary bonuses which may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus if any, may also be payable at maturity or on earlier death. Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any