This document summarizes the key features of the ICICI Pru Elite Life insurance plan, including that it offers 9 investment funds with different risk-return profiles, unlimited free fund switches, and a death benefit of the higher of the sum assured or fund value. The minimum premium is Rs. 200,000 with a one pay or five pay option over a 10 to 30 year term. Loyalty additions are provided starting the 6th year to reduce the effective fund management charge over time.

1. Introducing
This material is strictly meant forcirculation within the organization/solely fortraining and/oreducation of the employees of ICICI Prudential
Life Insurance Co. Ltd. orits advisors, corporate agents orbrokers and should not be furthercirculated orused forpresentation to a prospect or
general public at large.

2. Key features of ICICI Pru Elite Life
Nine funds with different risk-return profiles
 Equity oriented, debt oriented, balanced and Dynamic P/E Fund
Reducing effective Fund Management Charge
Unlimited free switches, ATS & premiumredirection
Get higherof SumAssured orFund Value on death
This material is strictly meant forcirculation within the organization/solely fortraining and/oreducation of the employees of ICICI Prudential Life Insurance
Co. Ltd. or its advisors, corporate agents orbrokers and should not be furthercirculated orused forpresentation to a prospect orgeneral public at large.

3. ICICI Pru Elite Life at a glance
Minimum Premium Rs. 200,000
Premium Payment Term One Pay & Five Pay
Policy Term 10 to 30 years
Sum Assured
One Pay
Five Pay
Min / max age at entry
One Pay – 0 / 70 years
Five Pay – 8 / 70 years
Min / max age at maturity 18 / 80 years
Age Minimum Sum Assured Maximum Sum Assured
8 to <45 yrs
Higher of 10 and (0.5 X
Term)
As per sustainability matrix
>= 45 yrs 10 As per sustainability matrix
Age at entry Sum Assured
0 to > 60 years 125% of SA
This material is strictly meant forcirculation within the organization/solely fortraining and/oreducation of the employees of ICICI Prudential
Life Insurance Co. Ltd. orits advisors, corporate agents orbrokers and should not be furthercirculated orused forpresentation to a prospect or
general public at large.

4. Reduction of effective FMC
 Effective FMC will be reduced by allocating Loyalty Additions
from sixth year onwards
 And it will further reduce from 11th
year onwards
*
1. Benefits of reduced FMC will be passed on by allocating Loyalty Additions at the end of the policy years
2. This illustration is for all funds other than RGF and Money Market Fund.
3. Also, this illustration does not consider service tax and timing implications.
Year FM C Approximate effective FM C*
6 to 10 1.35% 1.10%
11 onwards 1.35% 0.75%
This material is strictly meant forcirculation within the organization/solely fortraining and/oreducation of the employees of ICICI Prudential
Life Insurance Co. Ltd. orits advisors, corporate agents orbrokers and should not be furthercirculated orused forpresentation to a prospect or
general public at large.

5. Loyalty Additions
Get rewarded with Loyalty Additions at the end of every policy
year starting from the end of the sixth policy year
It will be a percentage of the average of daily fund values in that
same year
This Loyalty Addition will reduce the effective FMC
*
1. This illustration is for all funds other than RGF and Money Market Fund.
2. Also, this illustration does not consider service tax and timing implications.
Year
Loyalty Addition
(% of average Fund Value)
FMC Approximate effective FMC*
6 to 10 0.25% 1.35% 1.10%
11 onwards 0.60% 1.35% 0.75%
This material is strictly meant forcirculation within the organization/solely fortraining and/oreducation of the employees of ICICI Prudential
Life Insurance Co. Ltd. orits advisors, corporate agents orbrokers and should not be furthercirculated orused forpresentation to a prospect or
general public at large.

6. Other benefits
Features Details
Death benefit Higher of Sum Assured or Fund Value
Surrender Allowed after five years without any charge
Partial withdrawal
One partial withdrawal per year starting from sixth
policy year
Top-up
Allowed any time other than the last five years of
the policy term
Investment related
features
Unlimited switches – Unique proposition for HNIs
to manage asset allocation effectively
ATS
Premium redirection
This material is strictly meant forcirculation within the organization/solely fortraining and/oreducation of the employees of ICICI Prudential
Life Insurance Co. Ltd. orits advisors, corporate agents orbrokers and should not be furthercirculated orused forpresentation to a prospect or
general public at large.

7. Charge structure
Charge Details
Premium allocation
charge
One Pay – 3%
Five Pay – 3% from year 1 to 5
Top-up premium – 2%
Policy admin charge
Charged only during the first five policy years
One Pay – Rs. 60 p.m.
Five Pay – Rs. 500 p.m.
Mortality charge
Will be deducted on a monthly basis on the Sum at
Risk.
Sum at Risk = Sum Assured - applicable partial
withdrawals - Fund Value
Miscellaneous charge Rs. 250 per alteration
This material is strictly meant forcirculation within the organization/solely fortraining and/oreducation of the employees of ICICI Prudential
Life Insurance Co. Ltd. orits advisors, corporate agents orbrokers and should not be furthercirculated orused forpresentation to a prospect or
general public at large.

8. Fund management charges
Fund FMC p.a.
Maximiser V 1.35%
Opportunities Fund 1.35%
Multi Cap Growth Fund 1.35%
Bluechip Fund 1.35%
Dynamic P/E Fund 1.35%
Multi Cap Balanced Fund 1.35%
Income Fund 1.35%
Money Market Fund 0.75%
This material is strictly meant forcirculation within the organization/solely fortraining and/oreducation of the employees of ICICI Prudential
Life Insurance Co. Ltd. orits advisors, corporate agents orbrokers and should not be furthercirculated orused forpresentation to a prospect or
general public at large.

9. Thank You

10. Thank You