1. 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. 2 Parents have a strange reaction to their children crying. The first time it happens, their joy knows no bounds. From that moment on, they live to never let it happen again! 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. 3 There are two lasting gifts we can give our children. One is roots. The other is wings. 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. 4 Parents- Every child’s roots You hold them close when they need to feel safe You hold their hand as they take their first steps You teach them their first few lessons 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. 5 Now, are you prepared to give your child wings?? 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. 6 Education- A child’s wings Key to a bright future Opens doors to realizing your child’s dreams and ambitions Higher the education, better are the chances of success 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. 7 Cost of wings… EducationYearly Fee Primary SchoolRs. 20,000 High SchoolRs. 25,000 CollegeRs. 50,000 Higher Education*Rs. 5,00,000 And this is today!! *The annual fees for one of India’s top B-schools is Rs. 6,00,000 p.a. 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. 8 Higher Education TodayRs. 5,00,000 5 years henceRs. 7,00,000 10 years henceRs. 10,00,000 15 years henceRs.14,00,000 20 years henceRs.20,00,000 Are you really prepared?? Inflation assumed @ 7% p.a. 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. 9 You need a solution that… Saves Allows you to systematically invest your savings to provide the best opportunities for your child 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. 10 Changing family structures Earlier- Joint families Combined household income Children were responsibility of the whole family Now- Nuclear families Lesser or no financial support

11. 11 Double income families Both the parents contribute in equal measure towards: A more secure lifestyle Higher disposable income per household Higher dependency on each earning member 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. 12 Different shades of parenthood A child is a joint responsibility… It takes a father AND a mother to parent a child!! 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. 13 You need a solution that… Saves Allows you to systematically invest your savings to provide the best opportunities for your child Secures Provides all-round protection for your child’s future 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. 14 The problem… Unforeseen death of parent Unpaid Loans Child’s Future Future Family Income Emotional Loss 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.

15. 15 In your absence… Your child studies in the best school in the city today Will your family be able to afford that tomorrow ? Don’t you think that emergency expenses could wipe out the savings you made for your child’s education ? You have made some savings for your child’s education 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. 16 You need a solution that… Saves Allows you to systematically invest your savings to provide the best opportunities for your child Secures Provides all-round protection for your child’s future Insures Ensures that your child’s future is not compromised by unforeseen events 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. 17 You need… 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. 18 A solution that ensures… OUR child is taken care of, even without me AND OUR savings for our child’s future are not used elsewhere AND OUR child’s future continues as planned at all times Joint Life option Lump sum Death Benefit Payer Waiver Benefit 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. 19 Coverage Options Single life – Insurance coverage for yourself Joint life* – Insurance coverage for both you and your spouse in the same policy. *The Death Benefit, in case of Joint Life, will only be payable in the event of death of either of the parents, whichever is earlier 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. 20 Death Benefit In the event of unfortunate death of the parent during the term of the policy, the following benefits shall be paid: Sum Assured subject to the Minimum Death Benefit Payer Waiver benefit: All future premiums payable under the policy will be waived by the Company At the end of the Policy Term, the nominee will receive the maturity benefit. 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. 21 ICICI Pru SmartKid Premier in detail 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. 22 Definitions Single Life optionJoint Life option Parent1:  Proposer  Life Assured  Policyholder  Primary proposer  Life Assured  Policyholder Parent 2: NA  Secondary Proposer  Life Assured ChildNominee In Joint Life option, either of the parents can be the Primary Proposer. The other parent is the Secondary Proposer Premium is paid by the Primary proposer In Joint Life option, Primary Proposer is the policyholder and has the right to carry out transactions and receive payouts 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.

23. 23 How does the policy work ? Since parents provide the economic support for the child’s education, the life of the parents are insured under this policy Child is the beneficiary of the policy Parents contribute the premium regularly which is invested in Unit-Linked funds generating potentially high returns over the long 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 presentation to a prospect or general public at large.

24. 24 How does the policy work ? Partial withdrawals are allowed to provide money at key educational milestones of the child Maturity Benefit – Fund Value is provided at the maturity of the policy Alternatively, you can select Settlement Options 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. 25 Features of ICICI Pru SmartKid Premier Key Features: Coverage options – Choice between Single life – Insurance coverage for yourself Joint life – Insurance coverage for both you and your spouse in the same policy Comprehensive protection for child’s education – Sum Assured paid immediately on death PLUS waiver of all future premiums Choice of three portfolio strategies – Fixed, LifeCycle and Trigger Flexible premium payment options Loyalty Additions at the end of every fifth policy year, starting from the 10th year Child education solution Product Category: 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. 26 ICICI Pru SmartKid Premier at a glance Premium payment options Minimum annual premium Regular payRs. 18,000 Limited pay 5Rs. 48,000 Limited pay 7Rs. 36,000 Limited pay 10Rs. 18,000 FeaturesICICI Pru SmartKid Premier Minimum Premium Maximum PremiumRs. 100,000 p.a. Policy Term10 / 15 / 20 / 25 years Premium payment term (PPT) Premium payment options Minimum annual premium Regular payRs. 18,000 Limited pay 5Rs. 48,000 Limited pay 7Rs. 36,000 Limited pay 10Rs. 18,000 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.

27. 27 FeaturesICICI Pru SmartKid Premier Modes of Premium PaymentYearly, Half-yearly, Monthly Minimum Sum Assured Higher of (10 × annual premium) and (0.5 × Policy Term × annual premium) Maximum Sum AssuredAs per sustainability matrix Min age* at entry (Parent)20 years Max age* at entry (Parent)60 years for Single Life, 55 for Joint Life Maximum age* at maturity (Parent)70 years for Single Life, 65 years Joint Life Min/ Max age* at entry (Child)0 / 15 years Min/ Max age* at maturity (Child)18 / 25 years *Age completed birthday ICICI Pru SmartKid Premier at a glance 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. 28 Loyalty Additions Calculated as 2% of the average of the policy’s Fund Values on the last day of eight policy quarters preceding the said allocation Paid at the end of every fifth policy year, starting from the 10 th policy year Applicable only if all due premiums have been 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.

29. 29 Maturity benefit At maturity the Fund Value including the Top up Fund Value, if any, shall be payable. You can also opt for the Settlement Option to Receive payouts as monthly (direct credits only), quarterly, half-yearly or annual instalments over a period of up to five years, post maturity At any time during the settlement period, the entire Fund Value may be taken as a lumpsum 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. 30 Minimum Death Benefit Minimum Death Benefit is 105% of the total premiums (including top-up premiums) paid LESS: The amount of partial withdrawals made during the two years immediately preceding the date of death of Life Assured where death occurs before or at age 60 last birthday The amount of all partial withdrawals made after attaining age 58 last birthday where the death of Life Assured occurs after age 60 last 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.

31. 31 Changing the Coverage Option Single Life coverage to Joint Life coverage: Allowed in the event of the Policyholder’s marriage during the Policy Term Joint Life coverage to Single Life coverage: Allowed in the event of legal separation of the Lives Assured during the Policy Term The change shall be effective from the next Policy Anniversary, subject to underwriting 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. 32 Top Ups You have the option to increase your investment by investing additional money over and above your regular premiums, at your convenience Minimum top-up amount is Rs. 2,000 Top-up premiums can be paid anytime during the term of the policy, subject to underwriting, except during the last five years of the policy term, so long as all due premiums have been paid In case you avail of a top up, you will have to increase your Sum Assured by either 125% or 500% of the top up premium amount 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.

33. 33 Partial withdrawals Facility to withdraw money at key educational milestones of the child’s life shall be allowed after completion of 5 policy years Minimum partial withdrawal amount is Rs.2,000 One partial withdrawal allowed every policy year Maximum partial withdrawal amount: 20% of the FV as on the date of partial withdrawal Partial withdrawals are free of cost 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. 34 Increase/Decrease in Sum Assured Increase in Sum Assured Allowed only on policy anniversaries before the policy anniversary on which the parent (or either of the parents in case the Joint life option is chosen) is aged 60 years Such increases would be allowed in multiples of Rs 1,000 Cost of any medical reports and charges will be borne by the policyholder and recovered by redemption of units Decrease in Sum Assured Allowed only on policy anniversaries subject to the minimum SA restrictions 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. 35 Automatic Transfer Strategy (ATS) ATS is a strategy that will help you mitigate any risk arising from market volatility With this strategy, you can invest your premium as a lump sum amount in our Money Market Fund and transfer a chosen amount every month into any one of the following equity funds: Multi Cap Growth Fund / Opportunities Fund / Bluechip Fund ATS can be chosen in the application form itself The minimum transfer amount is Rs.2000 This facility will be available free of charge and if Fixed Portfolio Strategy is chosen 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.

36. 36 Other benefits CIPS (Change in portfolio strategy) Allowed once every policy year and it is free of cost Switch Four free switches every policy year Available only under Fixed Portfolio Strategy Premium redirection Available only under Fixed Portfolio Strategy Surrender Allowed after first five policy years After completion of the fifth policy year, the policy shall terminate and Fund Value including Top up fund value, if any, will be paid to the policyholder 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.

37. 37 Charges Premium Allocation Charges: Top up allocation charge: 2% of top up premium Policy Administration Charges Mortality Charge will be deducted on a monthly basis. It consists of charges for Sum Assured Payer Waiver benefit Year 1Year 2 onwards 2% of the premium paid0% Charged p.m. as a % of annual premium Year 1 to PPT0.47% Thereafter0.10% 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. 38 Fund management charges Fund NameFund Management charge Opportunities Fund1.35% Multi Cap Growth Fund1.35% Bluechip Fund1.35% Multi Cap Balanced Fund1.35% Income Fund1.35% Money Market Fund0.75% Return Guarantee Fund (RGF)* 1.25% *There will be an additional charge of 0.25% p.a. for the investment guarantee for the Return Guarantee Fund. 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.

39. 39 Premium discontinuance charge Year of premium discontinuance Annual premium ≤ Rs. 25,000Annual premium > Rs. 25,000 120% of lower of (AP or FV), subject to a maximum of Rs. 3000 6% of lower of (AP or FV), subject to a maximum of Rs. 6000 215% of lower of (AP or FV), subject to a maximum of Rs. 2000 4% of lower of (AP or FV), subject to a maximum of Rs. 5000 310% of lower of (AP or FV), subject to a maximum of Rs. 1500 3% of lower of (AP or FV), subject to a maximum of Rs. 4000 45% of lower of (AP or FV), subject to a maximum of Rs. 1000 2% of lower of (AP or FV), subject to a maximum of Rs. 2000 5 and onwardsNIL AP – Annualized premium FV – Fund value 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.

40. 40 Thank you 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.