Introducing
An exclusive Unit Linked Insurance Plan for HNIs
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.
Key features of ICICI Pru Elite Life
Get best value for money
Optimize returns
Reducing effective Fund Management Charge
Invest as per your risk appetite
Nine funds with different risk-return profiles

Equity oriented, debt oriented, balanced and Dynamic P/E Fund
Manage your investments
Unlimited free switches, ATS & premium redirection
Insure your family
Get higher of Sum Assured or Fund Value on death
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.
ICICI Pru Elite Life at a glance
Minimum Premium
Rs. 200,000
Premium Payment Term
One Pay & Five Pay
Policy Term
10 to 30 years

Sum Assured

One Pay
Age at entry
Sum Assured
0 to > 60 years
125% of SA
Five Pay
Age
Minimum Sum Assured
Maximum Sum Assured
8 to <45 yrs
Higher of 10 and (0.5 X Term)
As per sustainability matrix
>= 45 yrs
10
As per sustainability matrix
Min / max age at entry
One Pay – 0 / 70 years
Five Pay – 8 / 70 years
Min / max age at maturity
18 / 80 years
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.
Reduction of effective FMC
Reduction in FMC is the most efficient way to optimize
returns
Year
6 to 10
11 onwards
FMC
1.35%
1.35%
Approximate effective FMC*
1.10%
0.75%

Effective FMC will be reduced by allocating Loyalty
Additions from sixth year onwards

And it will further reduce from 11th year onwards
*
1. Benefits of reduced FMC will be passed on by allocating Loyalty Additions at the end of the policy
years
2. This illustration is for all funds other than RGF and Money Market Fund.
3. Also, this illustration does not consider service tax and timing implications.
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.
Loyalty Additions
Long term customer behavior to be awarded through Loyalty
Additions

Get rewarded with Loyalty Additions at the end of every policy
year starting from the end of the sixth policy year

It will be a percentage of the average of daily fund values in
that same year

This Loyalty Addition will reduce the effective FMC
Year
6 to 10
11 onwards
Loyalty Addition
(% of average Fund Value)
0.25%
0.60%
FMC
Approximate effective FMC*
1.35%
1.35%
1.10%
0.75%
*
1. This illustration is for all funds other than RGF and Money Market Fund.
2. Also, this illustration does not consider service tax and timing implications.
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.
Other benefits
Features
Details
Death benefit
Higher of Sum Assured or Fund Value
Surrender
Allowed after five years without any charge
Partial withdrawal
One partial withdrawal per year starting from sixth
policy year
Top-up
Allowed any time other than the last five years of
the policy term
Unlimited switches – Unique proposition for HNIs
to manage asset allocation effectively
Investment related
features
 ATS
 Premium redirection

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.
Charge structure
Charge
Details
One Pay – 3%
Premium allocation
 Five Pay – 3% from year 1 to 5
charge
 Top-up premium – 2%

Charged only during the first five policy years
Policy admin charge  One Pay – Rs. 60 p.m.
 Five Pay – Rs. 500 p.m.
Mortality charge
Miscellaneous
charge
Will be deducted on a monthly basis on the Sum at
Risk.
Sum at Risk = Sum Assured - applicable partial
withdrawals - Fund Value
Rs. 250 per alteration
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.
Fund management charges
Fund
FMC p.a.
Maximiser V
1.35%
Opportunities Fund
1.35%
Multi Cap Growth Fund
1.35%
Bluechip Fund
1.35%
Dynamic P/E Fund
1.35%
Multi Cap Balanced Fund
1.35%
Income Fund
1.35%
Money Market Fund
0.75%
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.
Thank You