Some things last FOREVER Some relationships like marriage

Some things last FOREVER… Some relationships like…. …marriage This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 1

Some things last FOREVER… Some relationships like…. …marriage …friendship This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 2

Some things last FOREVER… Some relationships like…. …marriage …friendship …parenthood This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 3

Some things last FOREVER… Some assets like…. …your own home This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 4

Some things last FOREVER… Presenting an Insurance plan… …which lasts FOREVER This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 5

FOREVER? ? ? But does a plan that lasts FOREVER imply that…. …I need to PAY FOREVER? …I get no benefits during my lifetime? …my goals remain unfulfilled if I die during my earning years? NO! This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 6

Presenting ICICI Pru Whole Life… With ICICI Pru Whole Life, you… Pay only for a limited term And get benefits for a lifetime Get a lump sum payout at the end of this term To help you meet your financial goals Get double cover during your earning years To fulfill your goals even in your absence Get covered for the remaining years of your life To leave your family an inheritance This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 7

ICICI Pru Whole Life: the plan for life…. DOUBLE Sum Assured coverage during PPT Pay regular premiums for a limited term Savings kitty End of premium paying term Get regular bonus additions Whole life cover To achieve your GOALS To leave an INHERITANCE For your TODAY!! For your family’s TOMORROW!! This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 8

Key benefits Whole life cover Double Sum Assured Insurance protection till age 100 Get a cover of double the sum assured until your premium paying term (PPT) Savings benefit Lump sum benefit which includes sum assured and all accumulated bonuses at end of PPT Enhanced coverage Enhance your coverage through riders –ADBR, CIR and IBR Tax benefits Get tax benefits under Section 80 C & 10(10 D) of Income Tax Act, 1961 This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 9

How does the plan work? ì You need to choose the following: Sum Assured (SA) ì Reversionary bonuses (Declared per year till PPT) Terminal bonus (At the end of PPT) Insurance cover during PPT: Double Sum Assured ì Mode of premium payment At the end of PPT you will receive: Sum Assured ì Premium payment term (PPT) Reversionary bonuses (Declared regularly till PPT) Insurance coverage for whole of your life after PPT: Sum Assured This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 10

ICICI Pru Whole Life at a glance Policy term Whole life Min / Max premium payment term 10 / 30 years Min/ Max age at entry* 0 / 60 years Min/ Max age at end of premium payment term* 30 / 70 years Modes of Premium Payment Yearly, Half yearly or Monthly *Lower terms are not available at higher ages. Please check Login Assistant to check eligibility of your case. *Age completed birthday This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 11

Product details Benefits during PPT Benefits after PPT Product pitches Enhanced protection with riders Discounts and loadings Policy discontinuance and revival This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 12

Product details Benefits during PPT Benefits after PPT Product pitches Enhanced protection with riders Discounts and loadings Policy discontinuance and revival This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 13

Savings Benefits: Achieve your goal Invest regularly in a secure savings plan Child’s Your Goal House Education Marriage 30 yrs 45 yrs Increase your savings corpus through yearly bonus additions Unfortunate death 2 X SA + Accrued bonuses At the end of savings period SA + Acc. Bonus + TB Achieve your goals NO MATTER WHAT!!! This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 14

Savings benefit Helps you create a corpus to meet your desired goal at the end of the PPT Reversionary bonus Sum Assured (SA) Terminal bonus Declared as a % of SA at end of every policy year and added to the SA ì Bonus once declared is guaranteed Reversionary bonus ì Terminal bonus ì Payable on death or at the end of PPT ì Terminal bonus is not guaranteed * The rate of the bonus will depend upon the performance of the participating This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI fund Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 15

How is the reversionary bonus calculated? ì It will be calculated basis simple interest method ì Example : For Rs. 1 Lac SA and assumed bonus rate of 4% every year) Year Sum Assured (Rs) Bonus amount (Rs) for the year Sum Assured including bonus additions Year 1 1, 000 4, 000 1, 04, 000 Year 2 1, 000 4, 000 1, 08, 000 Year 3 1, 000 4, 000 1, 12, 000 Year 4 1, 000 4, 000 1, 16, 000 Year 5 1, 000 4, 000 1, 20, 000 Year 10 1, 000 4, 000 1, 40, 000 This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 16

Product details Benefits during PPT Benefits after PPT Product pitches Enhanced protection with riders Discounts and loadings Policy discontinuance and revival This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 17

Whole life benefit: Legacy for your family Sum Assured for life with no additional premiums End of PPT Inheritance Emergency fund Age 100 Leave a legacy for your wife or child ì Lump sum payout of SA in case of your demise anytime after PPT till age 100 years ì On survival till 100 years of age, SA will be payable as a maturity benefit Avail a loan facility equivalent to 80% of the surrender value in case of an emergency This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 18

Product benefits in detail Benefits during PPT Benefits after PPT Product pitches Enhanced protection with riders Discounts and loadings Policy discontinuance and revival This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 19

Selling tips Power of Whole life Get tax free inflation adjusted pension This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 20

Case study Meet Mr. Karan Age 35 years Profession Garment trader Income Rs. 20 lacs per annum Wife – Sunaina ì Daughter – Richa (8 years old) ì Dependents This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 21

Mr. Karan’s concerns… ì Richa is the most important person in my life ì Her marriage is my MOST important responsibility ì I would want her to be married by age 23 yrs ì I need to save 20 lacs for her marriage I am worried about who will take care of her in case I am not around This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 22

Solution Mr. Karan’s most important responsibility – Richa’s marriage is secured, even if he is not around Richa’s marriage Premium of Rs 1 lac p. a. Payout of Rs 20 lac Age 49 35 99 In case Karan dies… After age 49 yrs…. Family gets Rs. 21 lac + vested bonus Mr. Karan has a ICICI Pru Whole life cover of Rs 10. 5 lac Rincha’s marriage is secured Double cover in earning years!! 23

Power of Whole life 1 He does not need to pay any further premiums 2 He may find it difficult a life cover to get at later age 3 Whole life cover can be a security for wife 4 Whole life cover can be a gift to Richa 5 He can take an emergency loan at old age This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 24

Selling tips Power of Whole life Get tax free inflation adjusted pension This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 25

Case study Meet Mr. Rahul Khanna Age 40 years Profession Works at a FMCG company in marketing Income Rs. 15 lacs per annum Dependents Wife and two children This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 26

Discussion with Rahul Khanna Age 40 yrs ì Income – 15 lac ì Successful career ì Can save 10% of income ì ì Investments ì 10 lac in FD ì 2 lac in MF ì ì Wants to retire at age of 55 yrs ì Fixed income profile ì Risk averse ì Saving for children Retirement plan to meet expenses ì Worried about inflation This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 27

Solution Tax free pension increasing with inflation ì 15 Whole life policies with total SA of Rs. 19. 8 lacs ì Term – 15, 16, 17, 18… up to 30 years Increasing @ 6% p. a. Premium of Rs. 1. 4 lac p. a. Rs. 4. 5 lac Rs. 2 lac Age 40 55 In case Rahul dies… Family gets Rs. 39. 5 lac + vested bonus Rahul pays Rs. 21. 7 lac Family’s financial needs secured 70 Tax free pension adjusted for inflation Whole of life cover for Rs. 19. 8 lac Total Payout ì Rahul gets Rs. 46. 5 lac Rs. 66 lac ì Family gets Rs. 19. 8 lac This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 28

Workings Rahul pays Rs. 21. 7 lac Death Benefit He gets Rs. 46. 5 lac + 19. 8 lac whole life cover Age ( yrs) Net Payout Death Benefit 4, 038, 989 55 200, 000 5, 015, 067 144, 715 4, 122, 064 56 212, 000 4, 834, 723 42 144, 715 4, 205, 138 57 224, 720 4, 649, 954 43 144, 715 4, 288, 212 58 238, 203 4, 459, 579 44 144, 715 4, 371, 286 59 252, 495 4, 262, 551 45 144, 715 4, 454, 361 60 267, 645 4, 055, 606 46 144, 715 4, 537, 435 61 283, 704 3, 861, 863 47 144, 715 4, 620, 509 62 300, 726 3, 659, 877 48 144, 715 4, 703, 583 63 318, 770 3, 448, 922 49 144, 715 4, 786, 657 64 337, 896 3, 228, 394 50 144, 715 4, 869, 732 65 358, 170 2, 991, 477 51 144, 715 4, 952, 806 66 379, 660 2, 755, 516 52 144, 715 5, 035, 880 67 402, 439 2, 508, 257 53 144, 715 5, 118, 954 68 426, 586 2, 249, 238 69 452, 181 2, 702, 683 Age ( yrs) Premium 40 144, 715 41 144, 715 5, 202, 029 This material 54 strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI is Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for 70 + 1, 977, 958 presentation to a prospect or general public at large. 29

Product details Benefits during PPT Benefits after PPT Product pitches Enhanced protection with riders Discounts and loadings Policy discontinuance and revival This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 30

Enhanced protection with riders Critical illness rider Protection against 9 critical illnesses ì Rider SA is payable only on survival for 28 days post the diagnosis of a critical illness ì On death due to an accident rider Sum Assured will be payable ì Twice the SA will be payable, in case of accidental death while traveling by mass transport ì In case of total and permanent disability due to an accident, 10% of the rider SA is paid out every year for 10 years ì Accidental & Disability Benefit Rider Income Benefit Rider ì On death 10% of the rider SA will be paid out every year for the remaining years of PPT This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 31

Product details Benefits during PPT Benefits after PPT Product pitches Enhanced protection with riders Discounts and loadings Policy discontinuance and revival This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 32

Large Sum Assured discount ì Large Sum Assured discounts on the premium* Sum Assured (Rs. ) Rebate per thousand SA Less than 2 lacs Nil 2 lacs to less than 3 lacs 4. 3 3 lacs to less than 5 lacs 5. 7 5 lacs to less than 10 lacs 6. 7 Greater than or equal to 10 lacs 7. 5 This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI *excluding extra premium and its advisors, corporatetowardsbrokers and should not be further circulated or used for Prudential Life Insurance Co. Ltd. or premiums paid agents or rider benefits, if any presentation to a prospect or general public at large. 33

Modal loading ì For premium paying frequency other than yearly, a modal loading will be levied on the premium including any extra premium Mode % of premium Monthly 4. 5% Half yearly 2. 5% Yearly Nil This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 34

Product details Benefits during PPT Benefits after PPT Product pitches Enhanced protection with riders Discounts and loadings Policy discontinuance and revival This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 35

Surrender Value ì The policy will acquire a Guaranteed Surrender Value on payment of premium for at least 3 policy years ì It will be equal to 35% of the base policy premiums paid less the first year's premium. ì Any survival benefits paid, extra premiums paid and premiums paid towards riders shall be excluded. A discounted value of the bonuses allocated will also be added The actual Surrender Value payable will depend on Sum Assured, vested reversionary bonus, policy term This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for and the number of premiums paid. presentation to a prospect or general public at large. ì 36

Paid up policy ì Once the policy has acquired a Surrender Value and no future premiums are paid, the policy may continue as a 'Paid-up' policy for a reduced Sum Assured (Paid -up Sum Assured), as indicated below: Paid-up SA = SA X (Total number of premiums paid / Total number of premiums payable) Bonuses already vested to the policy will be added to this amount ì The policy will however not be eligible for any future bonuses ì The rider benefits will cease to be payable in case of a This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI paid-up policy Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for ì presentation to a prospect or general public at large. 37

Policy revival ì A lapsed policy may be revived subject to the following: ì Allowed within 2 years from the due date of the first unpaid premium and before the end of the PPT ì Revival will be based on the revival norms then applicable ì The Policyholder furnishes, at his own expense, satisfactory evidence of health of the Life Assured, as required by the Company ì The arrears of premiums together with interest, at such rate as the Company may declare from time to time, for late payment of premiums are paid This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and should not be further circulated or used for presentation to a prospect or general public at large. 38