ICICI Pru LifeStage Wealth II

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Everybody loves choices!!!

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 How about insurance?? How often do I have to pay?Where can I invest my money? How long do I have to pay??How much do I need to invest? I need Choices…

Presents

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 A choice of choices! Choice of premium payment options Regular pay and Limited pay for 5, 7 or 10 years Choice of premium payment modes Yearly, Half yearly and Monthly Choice of three portfolio strategies Fixed, LifeCycle and Trigger 100% Allocation from 2nd year onwards Loyalty Additions at the end of every policy year, starting from the 10th policy year Enhanced protection – Sum Assured PLUS Fund Value on death Dynamic P/E Fund

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Multiple premium payment options Choose the premium payment option best suited for you: Regular pay- Pay premiums till the end of policy term Limited pay 5- Pay premiums only for 5 years Limited pay 7- Pay premiums only for 7 years Limited pay 10- Pay premiums only for 10 years

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Choice of portfolio strategy Option to choose from three unique portfolio strategies: Trigger Portfolio Strategy LifeCycle Portfolio Strategy Fixed Portfolio Strategy D y n a m i c P / E F u n d Click the boxes

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Loyalty Additions Paid at the end of every policy year from the 10 th year onwards Premium payment optionYear 10Year 11 onwards Regular Pay2%0.75% Limited Pay 5, Limited Pay 7, Limited Pay 10 2%0.5% Policy year Annual premium (Rs.) Loyalty addition (Rs.) 6% p.a. Loyalty addition (Rs.) 10% p.a. 1050,000 10,955 13, ,000 4,686 5, ,000 5,307 6, ,000 5,934 7, ,000 6,591 8, ,000 7,283 9,983 An illustration:

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan % allocation from year 2 onwards Policy Year Premium Allocation Charge Premium Allocated Year 12%98% Year 2 & thereafter0%100% 0% Premium Allocation charge from 2nd year onwards to ensure maximum growth for your funds

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Enhanced protection * In case the Life Assured is above 75 years at the time of death, only the Fund Value would be payable. Death Benefit = Sum Assured PLUS Fund Value

ICICI Pru LifeStage Wealth II at a glance FeaturesICICI Pru LifeStage Wealth II Premium payment term (PPT) and Minimum Premium Maximum PremiumRs. 100,000 p.a. Policy Term10 / 15 / 20 / 25 / 30 years Premium payment options Minimum annual premium Regular payRs. 24,000 Limited pay 5Rs. 48,000 Limited pay 7Rs. 36,000 Limited pay 10Rs. 24,000

ICICI Pru LifeStage Wealth II at a glance FeaturesICICI Pru LifeStage Wealth II Modes of Premium PaymentYearly, Half-yearly, Monthly Minimum Sum Assured for age at entry below 45 years Higher of (10 × annual premium) and (0.5 × Policy Term × annual premium) Minimum Sum Assured for age at entry 45 years & above 10 × annual premium Min/ Max age at entry*7 / 65 years Min/ Max age at maturity*18 / 75 years *Age completed birthday At a glance

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Charge structure Premium Allocation Charges: Top up allocation charge: 2% of top up premium Policy Administration Charges (per month): Year 1Year 2 onwards 2%0% Year 1 to PPT0.47% Thereafter0.10%

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Charge structure FundOpportunities Fund (ULIF /11/09 LOpport 105), Multi Cap Growth Fund (ULIF /11/09 LMCapGro 105), Bluechip Fund (ULIF /11/09 LBluChip 105), Multi Cap Balanced Fund (ULIF /11/09 LMCapBal 105), Income Fund (ULIF /11/09 LIncome 105), Dynamic P/E Fund (ULIF /01/10 LDynmicPE 105) Return Guarante e Fund (ULIF /12/08 LRGF1 105) * Money Market Fund ( ULIF /11/09 LMoneyMkt 105) FMC1.35% p.a.1.25% p.a. 0.75% p.a. * There will be an additional charge of 0.25% p.a. towards the cost of investment guarantee for the Return Guarantee Fund Fund management charges:

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 How does the plan work? You need to choose the following for your Policy  Premium  Premium payment mode – Annual, half-yearly of monthly  Premium payment term  Policy term  Portfolio strategy – Fixed, LifeCycle or Trigger  Sum Assured After deducting the premium allocation charges, the balance amount will be invested in the portfolio strategy of your choice At maturity, the Fund Value including Top up Fund Value, if any, will be paid. Alternatively, Settlement Option can be chosen In the unfortunate event of death during the term of the policy, your nominee will receive Sum Assured plus Fund Value A choice of Choices!

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Maturity benefit Settlement option At maturity the Fund Value including the Top up Fund Value, if any, shall be payable. You can also opt for the Settlement Option available Click the box

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Death benefit Sum Assured plus Fund Value 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

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Partial withdrawals 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

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Surrender value Surrenders are not allowed during the first five policy years On surrender 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

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Top ups You can decide to increase your investment by investing additional money over and above your regular premiums, at your convenience 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 Top-up premiums can be paid anytime during the term of the policy except during the last five years of the policy term Minimum top-up amount is Rs. 2,000

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Increase in sum assured Allowed only on policy anniversaries before the policy anniversary on which the life assured is age 60 Cost of any medical reports and charges will be borne by the policyholder and recovered by redemption of units Such increases would be allowed in multiples of Rs 1,000

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Decrease in sum assured Allowed only on policy anniversaries subject to the minimum SA restrictions

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Automatic transfer strategy (ATS) ATS is a strategy that will help you mitigate any risk arising from market volatility Invest your premium as a lump sum amount in 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

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Other benefits Premium re-direction Available only under fixed portfolio strategy Switch Four free switches every policy year Available only under fixed portfolio strategy CIPS (Change in Portfolio strategy) Allowed once every policy year and it is free of cost

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Sustainability matrix Age at entryMaximum SA multiple of yearly premium 0 – – – – – >46 10

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Premiums are invested in proportion given below: The Trigger event is the upward or downward movement in NAV of Multi Cap Growth Fund by 15% It is an event based portfolio rebalancing strategy Trigger portfolio strategy What is the strategy? What is an event? Initial asset allocation: 25%Income Fund 75%Multi Cap Growth Fund

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 In case there are no gains to be capitalized On the occurrence of trigger event Working of the strategy Fund value in Multi Cap Growth Fund in excess of 3 times of Income Fund fund value is considered as gains Gains made are transferred to Money Market Fund to protect them from future market volatility Funds in Multi Cap Growth Fund and Income Fund are redistributed in a 75% : 25% proportion No transfer to or from Money Market Fund will be done

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Trigger Portfolio Strategy C a p i t a l i z e Gains P r o t e c t Gains Book gains when markets move up !!! Protect these gains when markets move down !!! Buy low and Sell high !!!

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan Fixed Portfolio Strategy This portfolio strategy offers the flexibility of allocating investments as per customer’s choice Customers can choose their own asset allocation using any of the following eight available funds:  Multi Cap Growth Fund  Opportunities Fund  Bluechip Fund  Dynamic P/E Fund  Multi Cap Balanced Fund  Income Fund  Return Guarantee Fund  Money Market Fund

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Introducing… A unique fund that uses reference to price- earning multiple of a basket of 50 large cap stocks, to determine asset allocation between equity and debt It uses rules based on the movement of P/E ratio: To capitalize on the upside potential, and To limit the downside risk Dynamic P/E fund

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 P/E based rule for dynamic asset allocation Low P/E Good opportunity to buy Attractive market valuation indicatesmeans Increase equity exposure To capitalize on the upside potential

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 P/E based rule for dynamic asset allocation High P/E Good opportunity to sell Unattractive market valuation indicatesmeans Decrease equity exposure Implementing the wisdom of “buy low, sell high” To limit the downside risk

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Dynamic P/E Fund Fund Objective: To provide long term capital appreciation through dynamic asset allocation between equity and debt. The allocation to equity and equity related securities is determined by reference to the P/E multiple * of a basket of 50 large cap stocks ; the remainder is to be invested in debt instruments, money market and cash Asset allocation: P/E Range<1414 to 1616 to 1818 to 20>20 Allocation to Equity and Equity related securities 90% - 100% 80% - 100% 60% - 100% 40% - 80% 0% - 40% Allocation to debt instruments, money market and cash 0% - 10% 0% - 20%0% - 40% 20% - 60% 60% - 100% Markets at attractive valuation Higher allocation to equities * Based on 1 year forward looking earnings estimate

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Dynamic P/E Fund Fund Objective: To provide long term capital appreciation through dynamic asset allocation between equity and debt. The allocation to equity and equity related securities is determined by reference to the P/E multiple * of a basket of 50 large cap stocks ; the remainder is to be invested in debt instruments, money market and cash. Asset allocation: P/E Range<1414 to 1616 to 1818 to 20>20 Allocation to Equity and Equity related securities 90% - 100% 80% - 100% 60% - 100% 40% - 80% 0% - 40% Allocation to debt instruments, money market and cash 0% - 10% 0% - 20%0% - 40% 20% - 60% 60% - 100% Markets at unattractive valuation Lower allocation to equities * Based on 1 year forward looking earnings estimate

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 LifeCycle Based Portfolio Strategy Initial allocation based on customer’s age Table Table Rebalancing on a quarterly basis to maintain asset allocation As age progresses, allocation changed to suit change in lifestage In the last 10 quarters corpus shifted from equity to debt to ensure safety of your money as you approach the age of 75

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Age based allocation table Age BandAllocation Multi Cap Growth Fund Income Fund 0 – 2585%15% 26 – 3575%25% 36 – 4565%35% 46 – 5555%45% 56 – 6545%55% 66 – 8035%65%

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Flowchart for lifecycle based strategy NAV CHANGES ALTER THE EQUITY-DEBT RATIO WITH CHANGE IN AGE, ALLOCATION IS ALTERED Customer Policy Inception EQUITY 75% DEBT 25% ALLOCATIONS BASED ON AGE Every Quarter PORTFOLIO REBALANCING 75% 25% 50% 75% 25% Age = 30 Every shift in age band DEBT EQUITY 65% 35% Age = 36 TOWARD THE END OF TERM Last 10 quarter s 65% 35% 100% SAFETY

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. ver.2 – w.e.f. Jan. 12 Settlement Option At maturity, you can choose to take the Fund Value as a structured benefit You can opt to get payments on a yearly, half yearly, quarterly or monthly (through ECS) basis, over a period of one to five years, post maturity At any time during the settlement period, you have the option to withdraw the entire Fund Value During the settlement period, the investment risk in the investment portfolio is borne by the policyholder.