GenerateOutput Page 1 of 3

Benefit Illustration of ICICI Pru Ace rlpoe / Page 1 of 3

This shall form a part of the policy document
Prepared For :
PolicyBazaar

Product Features Riders

ICICI Pru Unique
Name of the Product : : 105L105V01 ADBR : Rs.0 Proposal No. : _________
Ace Identification No.
Age : 30 Years Service Tax Rate : 10.30% CIBR : Rs.0 Policy No. : _________
1 Proposer NRI/
Sum Assured : Rs.100,000/- Policy Term : 10 Years
from J&K
: No

Premium Payment Mode Of Premium

: 10 Years : Yearly
Term Payment
Amount of Installment Choice of portfolio
: Rs.20,000/- : Fixed
premium strategy
Multi Cap Growth
      Funds Opted for :
Fund : 100%

Statement of various charges alongwith growth of the fund expected over the duration of the policy with assumed rate of
interest as mentioned

Gross Yield 10%

Net Yield 8.44%

(All charges are in rupees)

Amount
Premium Additional available Policy Other Fund Loyalty
Policy Annualised Allocation for Mortality Service Guarantee
Addition Fund at Surrender Death
Allocation Admin Charge before FMC
Year Premium 2 investment Charge Tax Charge 5 End Value Benefit
Charge 3 of Units (out of
Charge 4 FMC 6

Premium)
1 20000 0 0 20000 116 115 720 0 20986 275 0 0 20711 0 100000
2 20000 0 0 20000 87 142 720 0 43758 568 0 0 43190 0 100000
3 20000 0 0 20000 53 171 720 0 68476 885 0 0 67591 60832 100000
4 20000 0 0 20000 15 202 720 0 95308 1230 0 0 94078 89374 100000
5 20000 0 0 20000 0 239 720 0 124405 1604 0 0 122801 122801 122801
6 20000 0 400 20400 0 282 720 0 156378 2015 0 0 154363 154363 154363
7 20000 0 400 20400 0 328 720 0 191029 2461 0 0 188568 188568 188568
8 20000 0 400 20400 0 377 720 0 228582 2944 0 0 225638 225638 225638
9 20000 0 400 20400 0 431 720 0 269278 3467 0 0 265811 265811 265811
10 20000 0 400 20400 0 490 720 0 320368 4034 0 6985 316334 316334 316334
                 

rlpoe / Page 2 of 3

Gross Yield 6%
Amount
Premium Additional available Policy Other Fund Loyalty
Policy Annualised for Mortality Service Guarantee Fund at Surrender Death
2 Allocation Allocation Admin Charge before FMC 5 Addition
Year Premium 3 of Units investment Charge Tax 4 Charge 6 End Value Benefit
Charge FMC

http://loginassistant.iciciprulife.com/admin/GenerateOutput.aspx?HProduct=ACE&FName... 1/25/2010
GenerateOutput Page 2 of 3

Year Premium 2 investment Charge Tax Charge 5 End Value Benefit

Charge 3 of Units (out of
Charge 4 FMC 6

Premium)
1 20000 0 0 20000 117 114 720 0 20211 270 0 0 19941 0 100000
2 20000 0 0 20000 89 140 720 0 41345 546 0 0 40799 0 100000
3 20000 0 0 20000 59 166 720 0 63449 835 0 0 62614 56353 100000
4 20000 0 0 20000 26 194 720 0 86572 1137 0 0 85435 81163 100000
5 20000 0 0 20000 0 224 720 0 110748 1452 0 0 109296 109296 109296
6 20000 0 400 20400 0 258 720 0 136420 1788 0 0 134632 134632 134632
7 20000 0 400 20400 0 294 720 0 163230 2138 0 0 161092 161092 161092
8 20000 0 400 20400 0 332 720 0 191229 2504 0 0 188725 188725 188725
9 20000 0 400 20400 0 371 720 0 220469 2887 0 0 217582 217582 217582
10 20000 0 400 20400 0 413 720 0 256736 3286 0 5730 253450 253450 253450

I ALSO UNDERSTAND THAT WHILST 100% OF MY FIRST YEAR PREMIUM WILL BE INVESTED IN UNIT LINKED INVESTMENT
FUNDS THERE ARE CHARGES DURING THE FIRST POLICY YEAR AS GIVEN IN THE BENEFIT ILLUSTRATION.
IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR
ILLUSTRATION PURPOSE.
ICICI Pru Ace is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or
returns.
Opportunities Fund, Multi Cap Growth Fund, Bluechip Fund, Dynamic P/E Fund, Multi Cap Balanced Fund, Income Fund,
Money Market Fund and Return Guarantee Fund are the names of the different fund options and do not in any manner
indicate the quality of the fund, its future prospects or returns.
1 Includes Top Up Sum Assured (if any)
2 Includes Top Up premium (if any)
3 Includes Top Up charge (if any)
4 Includes rider charges (if any)
5 Charge for investment guarantee of 0.25% p.a. is applicable only for the Return Guarantee Fund
6 Loyalty Addition will be allocated at the end of every fifth Policy year, starting from the end of the 10th Policy year. These
additions will be calculated as 2.50% of the average of the policy's Fund Values on the last day of eight policy quarters
preceding the said allocation and will be applicable only if all due premiums have been paid.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Disclaimers rlpoe / Page 3 of 3
========
1. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life
insurance company. If your policy offers guaranteed returns then these will be clearly marked 'guaranteed' in the illustration
table on this page. If your policy offers variable returns then the illustration on this page will show two different rates of
assumed future investment returns. These assumed rates of returns are not guaranteed and they are not the upper or lower
limits of what you might get back as the value of your policy as it is dependant on a number of factors including future
investment performance.
2. For the purpose of illustrations, we have used 6% and 10% as the lower and the higher rates of investment returns
respectively, in the calculations. These are in accordance with the guidelines issued by the Life Insurance Council and in no
way signify our expectations of investment return on the funds. For each of the funds, the actual investment return may be
higher or lower than the above rates based on the asset classes and the risk taken.
3. The projected yields have been calculated after applying all the charges (except service tax, education cess, charge for
investment guarantee, mortality charges and rider charges, if any).
4. This document is for illustration purposes only.
5. The investments in the units are subject to market and other risks and there can be no assurance that the objectives of any
of the fund will be achieved.

http://loginassistant.iciciprulife.com/admin/GenerateOutput.aspx?HProduct=ACE&FName... 1/25/2010
GenerateOutput Page 3 of 3

of the fund will be achieved.

6. The unit value of the units of each of the funds can go up or down depending on the factors and forces affecting the financial
markets from time to time and may also be affected by changes in the general level of interest rates.
7. The surrender value is payable only after completion of three policy years. The illustrated surrender value is not guaranteed.
8. Fund value at start shall be: For 1st year, it is the amount available for investment; thereafter, it is previous year's end Fund
Value plus the amount available for investment in the current year.
9. The fund options do not offer a guaranteed or assured return except for the Return Guarantee Fund which gives a minimum
guaranteed return by the way of a guaranteed NAV at the time of termination of the tranche.
10. Past Performance of any plan/ fund of the company is not necessarily indicative of the future performance of any of the
plans.
11. The above information must be read in conjunction with the sales brochure & policy document.
12. This illustration is based on the terms and conditions of the life insurance policy as on date of the illustration.
13. This benefit illustration is merely an example and is based on the data provided by you in the application form. The
illustration is based on the basic mortality and rider premium charge (if any). However the illustration could change in case
we charge extra premium based on underwriting guidelines.
14. Tax Benefits would be available as per the prevailing Income Tax laws.
15. Service tax rate and amounts shown are inclusive of the applicable education cess.
16. In case of a non standard age proof, an additional charge of Rs.2.50 per Rs.1,000 of Sum Assured will be levied on an annual
basis. For ULIP products, this charge will be deducted via cancellation of units.
17. For any further clarifications, please feel free to contact your advisor/FSC or e-mail us on lifeline@iciciprulife.com.
Insurance is the subject matter of the solicitation.

 
I ________________________________________(Name), having received the information with respect to the above, have
understood the above statement before entering into the contract.

Marketing officials Signature: Policyholders'

Signature:______________________________
Company Seal:
Place
Date:
  ICICI Prudential Life Insurance Company Limited.
1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025
Email: lifeline@iciciprulife.com
www.iciciprulife.com

http://loginassistant.iciciprulife.com/admin/GenerateOutput.aspx?HProduct=ACE&FName... 1/25/2010