Iciciprulife - Wealth Builder

12/8/13 GenerateOutput

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Gross Yield 10%

Projected Net Yield 8.60%

Gross Yield 6%

Benefit Illustration of ICICI Pru Wealth Builder - unitlinked insurance plan

osttx / Page 1 of3

This shall form a part of the policy document

Prepared For : Mr.

Kumar

Product Features

Name of the Product :ICICI Pru WealthBuilder

Mode Of Premium Payment : Yearly Unique Identification No. : 105L129V01

Age : 27 Years Amount of Base Installment premium : Rs.24,000/- Proposal No. : _________

Sum Assured1 : Rs.240,000/- Annualised Base Premium : 24,000 Policy No. : _________

Policy Term : 20 Years Annualised Rider Premium : 0Proposer from J&K / NRI and

communication address not ofIndia

: No

Premium Payment Term : 20 YearsTotal Annualised Premium

(Base+Rider): 24,000 SalesChannel : Proprietary

Premium PaymentOption

: Regular Pay Service Tax Rate : 12.36%

Funds Opted for :

Maximiser V : 100%

Statement of various premium, charges and commissions in respect of the unit linked benefits along with growth of the fund over the duration of thepolicy with assumed rate of interest (Gross Yield) as mentioned.

PolicyYear

Annualised

Premium2

PremiumAllocation

Charge3

Amountavailable

forinvestment

(out ofPremium)

MortalityCharge

PolicyAdminCharge

ServiceTax

OtherCharge

FundbeforeFMC

FundManagment

Charge

InvestmentGuarantee

Charge

Loyalty

Additions4Fund at

End 5Surrender

Value 6Death

Benefit 6Commission/

Brokerage

1 24000 720 23280 348 1354 338 0 23442 313 0 0 23129 0 263129 0

2 24000 480 23520 350 1354 349 0 49120 643 0 0 48477 0 288477 0

3 24000 240 23760 350 1354 364 0 77236 1005 0 0 76232 0 316232 0

4 24000 240 23760 350 1354 413 0 107699 1396 0 0 106303 0 346303 0

5 24000 240 23760 358 1354 466 0 140695 1821 0 0 138874 138874 378874 0

6 24000 0 24000 367 1354 495 0 176729 2284 0 0 174445 174445 414445 0

7 24000 0 24000 382 1354 559 0 215752 2786 0 0 212966 212966 452966 0

8 24000 0 24000 398 1354 628 0 258011 3329 0 0 254682 254682 494682 0

9 24000 0 24000 420 1354 703 0 303771 3918 0 0 299853 299853 539853 0

10 24000 0 24000 446 1354 786 0 353317 4555 0 6310 355073 355073 595073 0

11 24000 0 24000 475 1354 885 0 413890 5334 0 2762 411318 411318 651318 0

12 24000 0 24000 509 1354 988 0 475582 6128 0 3202 472656 472656 712656 0

13 24000 0 24000 552 1354 1100 0 542853 6993 0 3665 539525 539525 779525 0

14 24000 0 24000 595 1354 1222 0 616194 7936 0 4170 612428 612428 852428 0

15 24000 0 24000 636 1354 1354 0 696160 8965 0 4721 691917 691917 931917 0

16 24000 0 24000 677 1354 1498 0 783355 10086 0 5322 778591 778591 1018591 0

17 24000 0 24000 730 1354 1655 0 878422 11309 0 5977 873090 873090 1113090 0

18 24000 0 24000 794 1354 1828 0 982064 12642 0 6691 976113 976113 1216113 0

19 24000 0 24000 869 1354 2017 0 1095048 14096 0 7470 1088422 1088422 1328422 0

20 24000 0 24000 955 1354 2223 0 1218212 15680 0 8319 1210851 1210851 1450851 0

PolicyYear

Annualised

Premium2

PremiumAllocation

Charge3

Amountavailable forinvestment

(out ofPremium)

MortalityCharge

PolicyAdminCharge

ServiceTax

OtherCharge

FundbeforeFMC

FundManagment

Charge

InvestmentGuarantee

Charge

Loyalty

Additions4Fund at

End 5Surrender

Value 6

DeathBenefit

6

Commission/Brokerage

1 24000 720 23280 348 1354 337 0 22562 307 0 0 22255 0 262255 0

2 24000 480 23520 350 1354 346 0 46387 618 0 0 45769 0 285769 0

3 24000 240 23760 350 1354 357 0 71547 947 0 0 70600 0 310600 0

4 24000 240 23760 350 1354 400 0 97816 1290 0 0 96525 0 336525 0

5 24000 240 23760 358 1354 445 0 125232 1649 0 0 123583 123583 363583 0

6 24000 0 24000 367 1354 463 0 154131 2027 0 0 152104 152104 392104 0

7 24000 0 24000 382 1354 514 0 184285 2421 0 0 181864 181864 421864 0

8 24000 0 24000 398 1354 567 0 215748 2832 0 0 212915 212915 452915 0

9 24000 0 24000 420 1354 622 0 248571 3262 0 0 245309 245309 485309 0

10 24000 0 24000 446 1354 681 0 282809 3709 0 5175 284275 284275 524275 0

11 24000 0 24000 475 1354 751 0 323996 4248 0 2216 321963 321963 561963 0

12 24000 0 24000 509 1354 820 0 363827 4769 0 2511 361569 361569 601569 0

13 24000 0 24000 552 1354 893 0 405674 5316 0 2808 403166 403166 643166 0

14 24000 0 24000 595 1354 969 0 449629 5891 0 3121 446858 446858 686858 0

15 24000 0 24000 636 1354 1049 0 495802 6495 0 3449 492756 492756 732756 0

16 24000 0 24000 677 1354 1132 0 544309 7130 0 3794 540973 540973 780973 0

17 24000 0 24000 730 1354 1221 0 595255 7796 0 4157 591616 591616 831616 0

18 24000 0 24000 794 1354 1316 0 648753 8496 0 4537 644795 644795 884795 0

19 24000 0 24000 869 1354 1416 0 704924 9231 0 4937 700630 700630 940630 0



19 24000 0 24000 869 1354 1416 0 704924 9231 0 4937 700630 700630 940630 0

20 24000 0 24000 955 1354 1522 0 763890 10002 0 5356 759244 759244 999244 0

osttx / Page 2 of 3

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATION PURPOSE.

ICICI Pru Wealth Builder is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or returns.

Multi Cap Growth Fund(ULIF 085 24/11/09 LMCapGro 105), Bluechip Fund (ULIF 087 24/11/09 LBluChip 105), Opportunities Fund(ULIF 086 24/11/09LOpport 105), Multi Cap Balanced Fund(ULIF 088 24/11/09 LMCapBal 105), Income Fund(ULIF 089 24/11/09 LIncome 105), Money Market Fund(ULIF090 24/11/09 LMoneyMkt 105) and Maximiser V Fund(ULIF 114 15/03/11 LMaximis5 105) are the names of the different fund options and do not inany 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). Rider Premium is payable separately.

3 Includes Top up charge (if any).

4 At the end of every policy year, starting from the end of the 10th policy year, there will be Loyalty Additions to the policy, provided all due premiums

have been paid. The Loyalty Additions will be calculated as a percentage of the average of the Fund Value on the last day of eight policy quarterspreceding the said allocation, depending upon the premium payment option chosen.

5 On maturity of the policy, the following shall be payable:

Fund Value = Prevailing NAV on the day of maturity X Units at maturity

6 The Death Benefit and Surrender Values illustrated assume that the event occurs at the end of the policy year.

7 Rider Premium is inclusive of service tax. Rider Premium is payable throughout the Rider Term.

Disclaimers osttx / 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 policyoffers variable returns then the illustration on this page will show two different rates of assumed future investment returns. These assumedrates 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 isdependant 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 thecalculations. These are in accordance with the guidelines issued by the Life Insurance Council and in no way signify our expectations ofinvestment return on the funds. For each of the funds, the actual investment return may be higher or lower than the above rates based onthe asset classes and the risk taken.

3. The Net yields have been calculated after applying all the charges (except service tax, education cess, charge for investment guarantee,mortality charges and rider premium).

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 funds willbe 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 fromtime to time and may also be affected by changes in the general level of interest rates.

7. If premium payment is discontinued before the completion of five policy years, the Fund Value, including Top up Fund Value, if any, shall betransferred to the discontinued policy fund after deduction of applicable discontinuance charge. At the end of the fifth policy year, thediscontinued policy fund value shall be paid to the Policyholder. All guarantees, rights, benefits and interests under the Policy will beextinguished’ can be added for more clarity to the policyholder.

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 theamount available for investment in the current year. Rider Premium is not included in the Fund Value calculations.

9. The funds do not offer a guaranteed or assured return .

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 onthe basic mortality charge. 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 includes tax on all applicable charges.

16. Service tax rate and amounts shown are inclusive of the applicable education cess.

17. The Policyholder shall be required to pay service tax, education cess or any other form of taxes or charges or levies as per prevailing lawsand regulations, whichever applicable. Tax laws are subject to amendment from time to time.

18. An additional charge of Rs.2.50 per Rs.1,000 Sum Assured will be levied per annum in case of a non-standard age proof. This will becharged by cancellation of units.

19. For ICICI Pru Waiver of Premium on Critical Illness Rider, an additional rider premium loading of 15% for ages less than or equal to 40years, 25% for ages greater than 40 years and less than or equal to 55 years and 35% for ages greater than 55 years would be levied incase of a non-standard age proof. The premium rates for this rider are reviewable from time to time subject to prior approval from IRDA.Any change in the above premiums will take place subject to IRDA approval and after giving notice to the policyholder. This rider does notacquire any surrender value.

20. Commission/ Brokerage, as mentioned in the table above, only indicates the amount payble, if any, to the agent / broker, and is not aseparate charge in the policy.

21. For any further clarifications, please feel free to contact your advisor or FSC or e-mail us on [email protected].

22. Insurance is the subject matter of this solicitation.

I ________________________________________, having received the information with respect to the above,have understood the aboveillustration before entering into the contract.

Marketing official's Signature: Policyholder's Signature:______________________________



Marketing official's Signature: Policyholder's Signature:______________________________

Company Seal:

Place

Date:

ICICI Prudential Life Insurance Company Limited.1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025

Email: [email protected]

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Iciciprulife - Wealth Builder