2 You have always worked hard to fulfil your family's needs your children's education, your parents' medical expenses or that dream family vacation. To be able to meet these responsibilities, you need a comprehensive financial solution which provides regular cash flow to meet your recurring expenses while building a corpus for your long term financial goals. ICICI Prudential introduces ICICI Pru Cash Advantage, a unique savings and protection oriented plan which offers you a guaranteed amount every month for 10 years, a guaranteed lump sum at maturity, along with bonuses and life cover that provides financial security to your family in case of your death. ICICI Pru Cash Advantage - A comprehensive solution for your needs ICICI Pru Cash Advantage provides you, Liquidity Payout term commences immediately after premium payment term (PPT) Conditions Apply 4 Guarantees Guaranteed Cash Benefit (GCB) equal to 1% of GMB every month throughout the payout term of 10 years Guaranteed Maturity Benefit (GMB) at the end of the policy term Protection Life cover for the entire policy term Limited premium payment term Choice of paying premiums for 5, 7 or 10 years Tax benefits - Tax benefits apply to premiums paid and benefits T&C3 received as per the prevailing tax laws ICICI Pru Cash Advantage is a participating life insurance plan.
3 ICICI Pru Cash Advantage at a glance Premium payment option 5 pay 7 pay 10 pay Premium payment term (PPT) Payout term 5 years 7 years 10 years 10 years Policy term (PPT + Payout term) 15 years 17 years 20 years 4. In the unfortunate event of death of the life assured during the policy term, death benefit is payable to the nominee. 5. On survival of the life assured till the end of the policy term, Guaranteed Maturity Benefit (GMB) is payable along with vested T&C5 reversionary bonuses (RB) plus terminal bonus, if any. Minimum annual premium Minimum age at entry GMB* for: minimum entry age, minimum annual premium, annual premium payment mode Maximum age at entry Maximum annual premium ` 30,000 ` 18,000 ` 12,000 3 years 1 years 0 ` 74,451 ` 65,364 ` 63, years Unlimited Sum Assured on death Min/Max age at maturity Age at entry <45 45 to 54 >54 Sum Assured multiple 10 7 or / 80 Premium payment mode Cash benefit mode Annual / Half-yearly / Monthly Annual / Monthly * These GMBs are for a male life assured and will be different for female lives How does ICICI Pru Cash Advantage work? 1. At policy inception, you choose your premium, premium payment option, premium payment mode, Sum Assured and cash benefit mode. 2. Your GCB and GMB are calculated using the above mentioned parameters along with your age and gender. For example: For a male life aged 35 years, with a PPT of 10 years, policyterm of 20 years, premium of ` 50,000 paid annually the GMB is ` 2,64,760. An illustration of the total benefits that you can receive is shown in the benefit illustration. 3. GCB is payable in advance during the payout term T&C4. Payout term begins as soon as the premium payment term is over and terminates at the end of the policy term.
4 Benefits in detail Death benefit On death of the life assured during the policy term, for a premium paying or T&C11 fully paid policy, irrespective of the Guaranteed Cash Benefits paid, the following benefits are payable to the nominee. Death Benefit = Maximum of (A,B,C) Where A = Sum Assured plus Bonuses* B = GMB plus Bonuses* C = Minimum Death Benefit *Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any. Minimum Death Benefit is equal to 105% of sum of premiums paid till date (excluding extra mortality premiums, service tax and cesses, if any). All policy benefits cease on payment of the death benefit. Cash Benefit Throughout the payout term, Guaranteed Cash Benefit (GCB) is payable in T&C4 T&C11 advance, provided the life assured is alive and the policy is fully paid. GCB can be received in monthly or annual instalments. GCB is a percentage of the Guaranteed Maturity Benefit (GMB) and depends on cash benefit mode as per the table below. Cash benefit mode Monthly Annual Maturity Benefit On survival of the life assured till the end of the policy term for a fully paid T&C11 policy, Maturity Benefit is payable. Maturity Benefit = Maximum of (A, B) Where, A = Guaranteed Maturity Benefit plus vested reversionary bonuses, if any plus terminal bonus, if any B =100.1% of total premiums paid (excluding any extra mortality premium, service tax and cesses) less GCBs received Guaranteed Cash Benefit 1% of GMB 11.5% of GMB Please note, GMB is the Sum Assured on Maturity and will be calculated, at inception, based on your premium, premium payment option, premium payment mode, Sum Assured, cash benefit mode, age and gender. For example, if an annual premium of ` 50,000 is paid for a premium payment term of 10 years, the Maturity Benefit plus the sum of GCBs received during the policy term will be at least 100.1% of the total premiums paid (` 500,500 = ` 50,000 x 10 x 100.1%). Examples ICICI Pru Cash Advantage Child s education solution Amit is a 30 year old banking professional who was recently blessed with a daughter. He understands his responsibilities towards his daughter s education as well as the need to protect his daughter s future in case anything unfortunate befalls him. To meet these requirements, he buys ICICI Pru Cash Advantage with a PPT of 10 years and annual premium of ` 100,000. His policy benefits are: 1. Guaranteed Cash Benefit of ` 5,307 per month for his daughter's school education 2. Guaranteed Maturity Benefit of ` 5.31 lakh plus bonuses of # ` 9.31 lakh for his daughter's college education 3. Life cover of ` 10 lakh for himself for the next 20 years. # Illustrative vested reversionary bonuses plus terminal bonus for assumed returns at 8%. For assumed returns at 4%, the bonuses would be ` 1.60 lakh. ICICI Pru Cash Advantage An ideal gift for your loved ones Mr. Zubin is a 65 year old ex-serviceman. Doting on his 12 year old grandson Rahul is what he enjoys most. He wants to gift Rahul something which will benefit him throughout his college education. Mr. Zubin gifts a policy of ICICI Pru Cash Advantage to Rahul with a PPT of 5 years and annual premium of ` 50,000. Rahul can expect to get: 1. Guaranteed Cash Benefit of ` 1,235 per month from age 17 till he is Guaranteed Maturity Benefit of ` 1.23 lakh plus bonuses of ## ` 1.39 lakh on attaining age 26 ## Illustrative vested reversionary bonuses plus terminal bonus for assumed returns at 8%. For assumed returns at 4%, the bonuses would be `. 0.17lakh.
5 What other benefits do you get? Loans You can also avail of loans under this policy after the policy acquires a surrender value. Loans of up to 80% of the surrender value can be availed. The Company shall be entitled to call for repayment of the loan with all due interest by giving three months' notice if the amount outstanding is greater than the surrender value and if the policy is in paid-up state. In the event of failure to repay by the required date, the policy will be foreclosed Benefit Illustration Age at entry: 35 years Premium payment term: 10 years Annual premium: ` 50,000 Cash benefit mode: Monthly Policy term: 20 years Premium payment mode: Annual 8% Sum Assured: ` 5,00,000 These illustrations are for a healthy male life assured. If your policy offers guaranteed returns, then these will be clearly marked guaranteed in the Benefit Illustration on this page. Since your policy offers variable returns, the given illustration shows different rates of assumed future investment returns. The maturity benefit of your policy is dependent on a number of factors, including future performance. The above are illustrative maturity values, net of all charges, service tax and education cess. What happens if you discontinue your premiums? Your policy will acquire a surrender value on payment of: At least 2 full years premium if the 5 pay option or the 7 pay option is chosen At least 3 full years premium if the10 pay option is chosen 4% Total Guaranteed Cash Benefit ` 3,17,712 ` 3,17,712 Guaranteed Maturity Benefit (A) ` 2,64,760 ` 2,64,760 Vested reversionary bonuses (B) ` 2,51,970 0 Terminal bonus (c) ` 1,99,480 ` 72,520 Total maturity benefit (A+B+C) ` 7,16,209 ` 3,37,280 Please note, if you discontinue your premiums before your policy has acquired a surrender value, no benefits will be payable under the policy. If the policy has acquired a surrender value and no future premiums are paid, the policy may continue as a paid-up policy with reduced benefits as explained below: Paid-up Sum Assured = Sum Assured X (Total number of premiums paid) (Total number of premiums payable) Paid-up Guaranteed Cash Benefit = GCB X (Total number of premiums paid) (Total number of premiums payable) Paid-up Guaranteed Maturity Benefit = GMB X (Total number of premiums paid) (Total number of premiums payable) On death of the life assured when the policy is paid-up, the nominee will receive the Paid-up Sum Assured, vested reversionary bonuses and T&C5 contingent reversionary bonus, if any. On maturity of a paid-up policy, you will receive the Paid-up Guaranteed Maturity Benefit, vested reversionary bonuses and contingent reversionary T&C5 bonus, if any. A paid-up policy will not be entitled to future bonuses. What happens if you discontinue your policy? If your policy has acquired a surrender value as described in the previous section and you choose to discontinue your policy, you will be entitled to the surrender value which is the higher of, Guaranteed Surrender Value (GSV) plus cash value of vested bonuses, if any Cash value of vested bonuses = Guaranteed Cash Value Factors For Vested Bonuses X Vested bonuses Guaranteed Cash Value Factors For Vested Bonuses convert the face value of vested bonuses, payable on maturity or earlier death, to their expected present value. These factors are guaranteed. Non Guaranteed Surrender Value (NGSV) Please note, if your policy has not acquired a surrender value and you choose to discontinue your policy, no benefits will be payable under the policy. Revival of the policy A policy which has discontinued payment of premiums may be revived subject to underwriting and the following conditions : The application for revival is made within 2 years from the due date of the first unpaid premium and before the termination date of policy. Revival will be based on the prevailing Board approved underwriting policy.
6 The policyholder furnishes, at his own expense, satisfactory evidence of health of the life assured as required by the Company. The arrears of premiums together with interest at such rate as the Company may charge for late payment of premiums are paid. The revival of the policy may be on terms different from those applicable to the policy before premiums were discontinued; for example, extra mortality premiums or charges may be applicable. The revival will take effect only if it is specifically communicated by the Company to the policyholder. On revival of the policy, the paid-up benefits will be restored to the benefits under the plan as if the policy had been premium paying. If reduced Guaranteed Cash Benefits have been paid since premium discontinuance, then the unpaid balance amount will be paid to the policyholder. Terms and Conditions 1. Free look period: If you are not satisfied with the terms and conditions of this policy, please return the policy document to the Company for cancellation within 15 days from the date you received it, if your policy is neither solicited nor purchased through Distance marketing* 30 days from the date you received it, if your policy is either solicited or purchased through Distance Marketing* On cancellation of the policy during the freelook period, we will return the premium paid subject to the deduction of: a. Stamp duty paid under the policy, b. Expenses borne by the Company on medical examination, if any. The policy shall terminate on payment of this amount and all rights, benefits and interests under this policy will stand extinguished. * Distance marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the following modes: (i) Voice mode, which includes telephone-calling (ii) Short Messaging service (SMS) (iii) Electronic mode which includes , internet and interactive television (DTH) (iv) Physical mode which includes direct postal mail and newspaper & magazine inserts and (v) Solicitation through any means of communication other than in person. 2. Suicide clause: If the life assured whether sane or insane, commits suicide within one year from the date of commencement of this policy, 80% of the premiums paid will be payable. Where the policy is revived, if the life assured, whether sane or insane, commits suicide within one year from the date of reinstatement of the policy, the maximum of (A, B) will be payable. Where, A = 80% of premiums paid till the date of death and B = applicable surrender value. 3. Tax benefits: Tax benefits under the policy are subject to prevailing tax laws. Service tax and education cess will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. 4. Guaranteed benefits are available only if all premiums are paid as per the premium paying term and the policy is in-force till the completion of entire policy term opted. Guaranteed Cash Benefit is payable at the beginning of each policy month during the payout term in case the cash benefit mode is monthly and at the beginning of each policy year during the payout term in case the cash benefit mode is annual. 5. Reversionary bonuses may be declared every financial year and will accrue T&C11 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. Contingent reversionary bonus may be declared every financial year and will accrue only when a policy is made paid-up or a fully paid policy is surrendered. Contingent reversionary bonus, if any, will be paid on maturity, surrender or earlier death. A terminal bonus may also be payable at maturity or on earlier death. 6. Grace period: A grace period for payment of premium of 15 days applies for monthly premium payment mode and 30 days for other modes. 7. GMB and premium payment option chosen at policy inception cannot be changed. 8. You may elect to receive Guaranteed Cash Benefit on a monthly or annual basis. You should inform the Company before the date on which the first Guaranteed Cash Benefit is due, to change the cash benefit mode. You can switch the cash benefit mode from monthly to annual or vice versa during the payout term provided you communicate this to the Company before the policy anniversary on which the change will take effect.
7 9. The Company shall pay the benefits through ECS, Direct Debit, Cheque or any other payment mode available at the time of benefit payment The basis for computing the cash value of vested reversionary bonuses and for non guaranteed surrender value shall be reviewed from time to time and may be revised with the prior approval of the Regulator. 11. A fully paid policy is a policy for which all premiums have been paid, as per the PPT selected, and no further premiums are due. A premium paying policy is policy for which all due premiums have been paid till date, but future premiums are payable for the rest of the PPT. 12. Nomination: The Life assured, where he or she is the holder of the policy, may, at any time before the Maturity or Termination date of the policy, make a nomination (under Section 39 of the Insurance Act, 1938) for the purpose of payment of the monies secured by the policy in the event of his death. Where the nominee is a minor, he may also appoint an appointee i.e. a person to receive the money during the minority of the nominee. Any change of nomination, which may be effected before the termination of the policy shall also be communicated to the Company. The product shall comply with Section 39 of the Insurance Act. 13. Assignment: An assignment of the policy (under Section 38 of the Insurance Act, 1938) may be made by an endorsement upon the policy itself or by a separate instrument signed in either case by the assignor specifically stating the fact of assignment and duly attested. The first assignment may be only made by the policyholder. Such assignment shall be effective, as against the Company, from and upon the service of a written notice upon the Company and the Company recording the assignment in its books. Assignment will not be permitted where policy is under the Married Women's Property Act, The product shall comply with Section 38 of the Insurance Act. The Company does not express any opinion on the validity of nor does it accept any responsibility of nomination or assignment. 14. Section 41: In accordance with Section 41 of the Insurance Act, 1938, no person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees. 15.Section 45: No policy of life insurance effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no policy of life insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal. 16. In case of fraud or misrepresentation, the policy shall be cancelled immediately by paying the surrender value, subject to the fraud or misrepresentation being established by the Company in accordance with Section 45 of the Insurance Act, For further details, please refer to the policy document and the benefit illustration.
8 About ICICI Prudential Life Insurance ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, a premier financial powerhouse, and Prudential plc, a leading international financial services group. ICICI Prudential began its operations in December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA). ICICI Prudential Life Insurance has maintained its focus on offering a wide range of flexible products that meet the needs of the Indian customer at every step in life. ICICI Prudential Life Insurance Company Limited. IRDA Regn. No CIN: U66010MH2000PLC BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDA clarifies to public that IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number. 2014, Registered Address: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Tax laws are subject to amendments from time to time. ICICI Pru Cash Advantage Form No.: E10, UIN:105N132V01. Advt. No.: L/IC/180/
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