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CashBak

" ' C ' C ' PR l . .DEN1 lAL~1LIFE INSURAN

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In yo ur life , you a lw ays lo ok fo rw ard to ce rta in m iles tones . It m ay be th e b irth o f a ch ild in your fam ily , the edu ca tion o f you r ch ild ren o r

p urc ha sin g a n ew h om e. T he se m ile sto ne s h av e fin an cia l lia bilitie s a tta ch ed to th em . W h at y ou re qu ire is a n in su ra nc e p olic y th at n ot o nly

p ro vid es y ou r fa m ily w ith a de qu ate c ov er a ga in st a ny u nfo rtu na te e ve nt h ap pe nin g w ith y ou r life , b ut a ls o p ro vid es y ou w ith liq uid ity to ta ke

c ar e o ffin a nc ia l r eq uir em e n ts a tth e se m ile st on es .

K e e p in g t hi s i n m i n d, I C IC I P r ud e n ti al L if e I ns u ra n c e, o ff er s y o u CashBak, a s in gle p o lic y th a t c om b in e s t he trip le b e ne fit o f p ro te ctio n , s av in g s

and pe r iod ic l iq u id i ty .

Wh at is C ashB ak?

C as hB ak is a fix ed te rm p olic y o f 1 5 o r 2 0 y ea rs , in w hic h p re miu ms a re

p a ya ble b y y ou th ro ug h ou t th e te rm o f t he p olic y. In t u rn , s u rv iv al b e ne fit

p aym en ts are m ade to you a t regu la r in te rva ls , to p rov ide you w ith

liq uid ity . F ull S u m A s su re d, a lo ng w ith th e g ua ra nte ed a dd itio ns a t th e

ra te o f 3 .5 % c om po un de d a nn ua lly fo r th e firs t 4 y ea rs a nd th e v es te d

bonuses wou ld be payab le on dea th , irrespective o f the surv iva l

b e n ef it s p a id .

H ow d oes CashBak w ork?

The surv iva l bene fits payab le are as shown in the tab le ahead .

O n t he dea th o f th e L ife A ssured , the ben efic ia ry w ill ge t the fu ll S um

A s su re d, th e g u ara n te e d b on u se s a n d th e v es te d b o nu se s , ir re sp e ctiv e

o f t h e s ur viv al b en e fits a lr ea dy p aid .

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P olic y T erm 1 5 y ea rs P olic y T er m 2 0 y ea rs

A t end o f yea r S u rv iva l P aym ent a s a % of bas ic Sum A ssu red A t e nd of y ear S urv iv al P ay m en t a s a % o f b as ic S um A ss ure d

3 10% 4 10%

6 15% 8 15%

9 20% 12 20 %

12 25 % 16 25 %

15 (Ma tu ri ty )5 0%, gua ran teed add it io n s ,

2 0 (Ma tu ri ty )5 0%, gua ran teed add it io n s ,

p lus vested bonuses p lus vested bonuses

I l lustration

S um A ss ure d: R s . 1 ,0 0,0 00 A ge a t en try: 30 years

G uaran te ed Su rviva l B en efits (Pa id at the e nd o f the pe rio d)

3 Y e ar s RS.10 ,000

6 Y e ar s R s . 1 5, 00 0

9 Y e ar s R s . 2 0 ,0 0 0

1 2 Y e ar s R s . 2 5 ,0 0 0

T erm : 1 5 y ea rs A n nu al P re m iu m : R s . 9 ,2 63

Re tu rns Re tu rnsBenef i ts

(@ 6%p.a .) (@ 10% p. a .)

Guaran teed S um A ssu red (50% ) R s. 50 ,000 R S .50 ,000

A c c umu la te d Gu a ra n te e d A d d it io n R S .1 4 )52 R s. 1 4 )52

E s tim at ed A c c umu la te d Bo n us

(No t Gua r an te ed )R s . 2 0 .4 2 0 R s . 6 1 ,9 0 4

E stim a ted To ta l M a tu rity Am oun t R s. 85 ,1 72 R s. 1 ,26 ,656

In a bo ve illu stra tio ns s om e b en efits a re g ua ra nte ed a nd s om e b en efits a re v aria ble w ith re tu rn s b as ed o n th e fu tu re p erfo rm a nc e o f th e c om p an y If

y ou r p olic y o ffe rs g u ara n te ed re tu rn s th e n th e se w ill b e c le a rly m a rk e d " gu a ra n te ed " in th e illu str atio n ta b le o n th is p ag e . If y ou r p o lic y o ffe rs v ar ia b le

re tu rn s th en th e illu stra tio ns o n th is p ag e w ill s ho w tw o d iffe re nt ra te s o f a ss um e d fu tu re in ve stm e nt re tu rn s. T he se a ss um e d ra te s o f re tu rn a re n ot

gu aran teed and th ey are no t the up per or low er lim its o f w hat you m ig ht ge t bac k, as the va lue o f your po licy is d ep en de nt o n a n um be r o f fa cto rs

in clu din g fu tu re in ve stm en t p erfo rm an ce . T he re tu rn s s ho wn a re b as ed o n a n a nn ua l g ua ra nte ed a dd itio ns o f @ 3.5% p a. o n the S um A ssured

c om p ou nd ed a nn ua lly fo r th e firs t 4 y ea rs a nd a nn ua l b on us es fro m th e 5 year onw ards . S erv ice tax a nd edu ca tion ce ss w ill b e charged a s pe r

a p p li ca b le r at es .

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What ad dit io nal fe ature s d oe s this po licy o ffe r

you?

F o r p ro te ct io n t o y ou r fa m ily a ga in st a ny u nfo rtu na te h ea lt h h az ar ds o r

e ve ntu ality , w e o ffer y ou th e fo llow in g rid ers at a n om ina l e xtra co st

w ith th is p la n:

Cri t ical Illness Rider : T his r id er p ro vid es p ro te ctio n a ga in st 9 c ritic al

illn es se s, n am ely : M a jo r o rg an tra ns pla nts , C om p le te re na l fa ilu re ,

S tro ke , P ara lys is , H ea rt a tta ck , V alve re plac em ent s urg ery, M ajo r

s urg ery o f th e a orta , C A BG S (B yp as s s urge ry) a nd C anc er. If yo u a re

d ia gn os ed w it h a ny o f t he s pe cif ie d illn es se s, th en y ou will b e p aid th e

e n tir e S um As s ur ed u n de r t h e r id e r.

T he po lic y a lo ng w ith al l the ride rs (to the exten t o f the R ider S um

A s su re d) is th en t er m in at ed . H o we ve r, th e re m ain de r o f t h e b as e p olic y

cont inues till the end of the te rm . You wi l l ha ve to c on tin ue pa yin g

p rem ium s f or th e r em a in de r o f th e p olic y.

A cc id en t a nd D isab ility B en efit : O n death due to acciden t, the

nom inee gets add itiona l Sum A ssured unde r the rider. In case o f

acc iden ta l dea th w hile trave lling by m ass surface transpo rt, the

nominee wi l l g et tw ic e th e S um A s su re d u nd er th e rid er. A c cid en ts c an

a lso im pa ir one 's capac ity to ea rn, in such an event o f to ta l and

p erm a ne nt d is ab ility , 1 0% o f t he S um A ss ure d is p aid o ut e ve ry y ea r f or

1 0 ye ars. A ls o, th e pre mium s fo r the b ase po lic y a re w aive d up to th e

e x te n t o f r id e r c o ve r.

A cc id en t B en efit R id er: O n d ea th d ue to a cc id en t th e n om in ee g ets

a d dit io n al S um As s ur ed u n de r t h e r id e r.

F o r rid e r e x cl us io n s, p le a se r ef er to t he d e ta il ed r id e r b ro c hu re .

CashBak a t -a -g lance

M in im um / M a xim um E n try A g e 1 6 - 5 5 y ea rs

M in im u m / M a xim u m M a tu rit y A g e 3 1 - 7 0 y ea rs

M in im um / M a xim um P o lic y T e rm 1 5 - 2 0 y ea rs

M in im um / M a xim um P re m iu m R s. 6 ,0 00 p er a nn um / N o L im it

M in im um / M ax im um Sum A ssu red M in im um o f R s. 7 5,000 / N o L im it

P a ym en t m o d es Y e arly / H a lf y ea rly / M o nt hly

TaxBenef i t ' P re m iu m p aid to wa rd s th e p olic y

a n d c ri ti ca l i ll n es s b e n e fi t r id e r w i ll

b e e lig ib le fo r ta x b en efit u nd er

S e ct io n 8 0 C a n d 8 0 0 r es p ec tiv e ly .

A ny am oun t rece ived unde r the

p o lic y w ill b e e li gib le f or t ax b e ne fit

u n d e r s e c t io n 1 0 ( 1 00 ) .

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Is a lo an av ailab le ag ain st this p olic y?

No l oa n s a re a v ail ab le u n de r t his p o lic y .

Wh at is yo ur e xit o ptio n?

Yo ur p o lic y a cq uire s a p aid -u p v alu e a fte r p re m ium s h av e b ee n p aid fo r 3

y ea rs . A g ua ra nte ed s urre nd er v alu e is p ay ab le to y ou if y ou d ec id e to

te rm in ate y ou r p olic y a fte r 3 y ea rs ' p re m iu m s a re p aid . H ow ev er, th e

ins ura nc e p ro te ction p ro vid ed u nde r th is p olicy w ill a lso c ea se . T he

gua ran teed su rrende r va lue is equa l to 35% of a ll p rem ium s paid

e xc lu din g th e firs t y ea r p re m iu m, a ll e xtra p re miu m a nd p re m iu m s fo r

r id e r b e ne fit s r ed u ce d b y t he s u rv iv a l b e ne fit p a id t o d a te .

W hat are the cond it io ns / exclusions

applicable?

1 . Su ic ide: If the L ife A ssured com mits su ic ide w he the r sane o r

in sa ne , w ith in o ne ye ar fro m th e da te of c om m en ce men t o f t his

po licy, the po licy sha ll be vo id and the prem ium s pa id w ill be

re fu nd ed a fte r d ed uc tin g th e e xp en se s in cu rre d b y th e c om p an y

fo rt he is su e o f t he p olic y.

2 . Tax bene fits unde r the po licy are sub jec t to cond itions under

section 80C , 800 , 1 0(1 00 ) of the Incom e T ax A ct 1 96 1. S erv ice

ta x an d e du ca tio n c es s w ill b e c ha rg ed e xtra , a s p er a pp lic ab le

ra te s. T he ta x la w s a re s ub je ct to a m en dm en ts fro m tim e to tim e .

3 . Sum A ssu red canno t be changed , once chosen a t the tim e o f

in c ep tio n o f t h e p o lic y .

4 . A pe riod of 1 5 days is ava ilab le to the po licyho lde r du ring w hich

the po licy can be rev iew ed. If the po licyho lde r does not

f in d th e p olic y s uita ble , th e c om p an y w ill r ef un d th e p rem ium a ft er

d ed uc tin g p ro po rtio na te p re m ium o n th e p er io d a t r is k, e xp en se s

in c ur re d f or me d ic a l e x am i na ti on a n d s tamp d u ty .

5 . In acco rdance to the Section 41 o f the Insurance A ct 1 938 , no

p er so n s ha ll a llo w o r o ff er t o a llo w , e ith er d ir ec tly o r in dir ec tly , a s

an inducem ent to any pe rson to take o r renew or con tinue an

in su ra nc e in re sp ec t o f a ny k in d o f r is k r ela tin g to liv es o r p ro pe rty

in In dia , a ny re ba te o f t he w ho le o r p art o f th e c omm is sio n p ay ab le

or any reba te of the p rem ium show n on the po licy, no r sha ll any

pe rso n ta kin g ou t or re ne win g o r co ntin uin g a po lic y a cc ep t an y

re ba te , e xc ep t s uc h re ba te a s m a y b e a llo we d in a cc ord an ce w ith

the pub lished p rospectuses o r tab les o f the insu rer.

6 . In acco rdance to the Section 45 o f the Insurance A ct 1 938 , no

p olic y o f life in su ra nc e s ha ll a fte r th e e xp iry o f t w o y ea rs fro m th e

da te on w hich it w as effe cte d, b e ca lle d in qu estio n by a n ins urer

on gro un d th at a s ta te men t m ade in prop osa l o f in su ra nce o r an y

re po rt o f a m e dic al o ffic er o r a re fe re e, o rfr ie nd o f t he in su re d, o r in

any o the r docum ent lead ing to the issue o f the po licy , was

inaccura te or fa lse , un less the insu re r show s that such

sta te me nts w as o n m ate ria l m atte r o r su ppres se d fa cts w hic h it

w as m a te ria l to d is clo se a nd th at it w as fra ud ule ntly m a de b y t he

p olic yh old er a nd th at th e p olic yh old er k ne w a t th e tim e o f m a kin g

it th at th e s ta te m en t w as fa ls e o r th at it s up pre ss ed fa cts w h ic h it

wa s ma te ria l t o d is cl os e .

7 . Fo r furthe r de ta ils , re fe r to the po licy docum en t and de ta iled

bene f it i ll u s tra t ion .

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Abo ut IC IC I P ru de ntial L ife In su ran ce

IC IC I P ruden tia l L ife Insurance C om pany L im ited, a jo in t venture betw een IC IC I B ank and P rud entia l p ic ., w as on e of the firs t co mpan ies to

c omm en ce o pe ra tio ns w he n th e in su ra nc e in du stry w as o pe ne d in th e y ea r 2 00 0. S in ce in ce ptio n, it h as w ritte n o ve r 5 .9 m illio n p olic ie s a nd

has a netw ork o f over 1 ,000 offices, 2 ,6 3,0 00 ad visors and 22 bank partners. It is a lso the on ly life insurer in Ind ia to be assigned A AA lin d)

c re dit r ati ng b y F it ch R a tin g s.

LIFE INSURAN

F o r m o re i nfo rm a tio n ,

P le ase c all o ur C usto me r S erv ic e T oll-fre e n um be r 1800-22-2020 fro m yo ur M TN L o r B SN L lin e.

(C all C en tre T im in gs: 9 .00 a .m . to 9.0 0 p .m .,M o nd ay to S atu rd ay , e xc ep t N atio na l H o lid ay s)

V is it u s at www. ic ic ip ru l i f e .com

Re gi ste re d O ff ic e: IC IC I P r u de nt ia l L if e I ns ur an ce Compa n y L im it ed , I CI CI P r u L ife T ower s, 1 0 89 , A p pa sa h eb Ma ra th e Ma rg , P r ab ha de vi , M umba i 4 00 0 2 5.

Ca shB ak is a t r ad it io na l, a nti cip a te d, e nd owme nt p oli cy . T h is s al es b ro ch ur e is in d ic at iv e o fth e te rm s , c on d it io ns , w a rr an ti es a nd e xc ep tio n s c on ta in ed i n t he

in su ra nc e p olic y. F or f ur th er d eta ils , p le as e r efe r to th e p olic y d oc um en t. In th e e ve nt o f c on flic t, if a ny , b etw e en th e te rm s a nd c on ditio ns c on ta in ed in th is

s ale s b ro ch ur e a n d t h os e c on ta in e d in th e p ol ic y d oc ume nt , t he te rm s a nd c on di ti on s c on ta in ed i n t he p ol ic y d oc ume nt s ha ll p re va il. I ns ur an ce is th e s ub je ct

m a tte r o f t he s oli cit at io n. © 2 00 7, IC IC I P r ud en tia l L ife In su ra nc e C omp an y L im ite d, C as hB ak : F orm N o . A 0 1, A 0 2, U IN 1 05 N o. 05 V0 2. C as hB ak : A D B R :

1o5Bo01V01 /ABR : 1o5B012V01 /C IR : 1o5Bo02V01 , Ad v t. No . : U IC /182 /2 oo7- o8

V eL N o. 0 4/C as hb ak E ng lis h/S D/J AS / w .e .t. 15 D ec 2 00 7