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Fact Sheet
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1800-22-2020

The Company

ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, a premier financial
powerhouse, and Prudential plc, a leading international financial services group headquartered in the United
Kingdom. ICICI Prudential was amongst the first private sector insurance companies to begin operations in
December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA).

ICICI Prudential Life's capital stands at Rs. 4,780 crores (as of March, 2009) with ICICI Bank and
Prudential plc holding 74% and 26% stake respectively. For the period April 1, 2008 to March 31, 2009, the
company has posted a growth of 13%, garnering total received premium (new business + renewal)
of Rs 15,356 crores as against Rs 13,563 crores in FY2008 and has underwritten over 9 million policies
since inception. The company has assets held over Rs. 32,000 crores as on March, 2009.

ICICI Prudential Life is also the only private life insurer in India to receive a National Insurer Financial
Strength rating of AAA (Ind) from Fitch ratings. The AAA (Ind) rating is the highest rating, and is a clear
assurance of ICICI Prudential's ability to meet its obligations to customers at the time of maturity or claims.

For the past eight years, ICICI Prudential Life has retained its leadership position in the life insurance
industry with a wide range of flexible products that meet the needs of the Indian customer at every step in
life.

Distribution
ICICI Prudential Life has one of the largest distribution networks amongst private life insurers in India. It
has a strong presence across India with 2099 branches (includung 1,116 micro-offices) and an advisor base
of over 276,000 (as on March, 2009).

The company has 18 bancassurance partners having tie-ups with ICICI Bank, South Indian Bank, Jalgaon
Peoples Co-op Bank, Idukki District Co-op Bank, Wainganga Krishna Gramin Bank, Aryawart Gramin Bank,
Jharkhand Gramin Bank, Narmada Malwa Gramin Bank, Baitarani Gramya Bank, Ratnagiri District Central
Co-op Bank, Seva Vikas Co-op Bank, Sangli Urban Co-Operative Bank, Baramati Co-operative Bank, Ballia
Kshetriya Co-Operative Bank, Renuka Nagrik Sahakari Bank, Amanath Co-Operative Bank, Arvind Sahakari
Bank, Bhandara Urban Co Operative Bank.

Products
Insurance Solutions for Individuals

ICICI Prudential Life Insurance offers a range of innovative, customer-centric products that meet the needs
of customers at every life stage. Its products can be enhanced with up to 4 riders, to create a customized
solution for each policyholder.
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Savings & Wealth Creation Solutions

• Save 'n' Protect is an ideal plan for those who want to accumulate funds on a regular basis while
enjoying insurance protection.

• CashBak is a single policy that combines the triple benefit of protection, savings & periodic
liquidity.

• LifeTime Gold is a unit-linked plan which offers potentially higher returns over the long term with
flexible investment options to help you achieve your goals. It offers 8 fund options - Preserver,
Protector, Return Guarantee Fund, Balancer, Flexi Balanced Multiplier, R.I.C.H and Flexi Growth.

• LifeStage RP is unit linked plan that provides you with an option of lifecycle-based portfolio
strategy that continuously re-distributes your money across various asset classes based on the
customer’s profile, helping him achieve his desired financial goals.

• LifeLink Super is a single premium unit linked insurance which offers attractive premium
allocation along with the opportunity to enjoy potentially high returns over the long term, without
compromising on the protection of your family.

• InvestShield Life New is a unit linked plan that provides premium guarantee and allows the
customer to enjoy the benfits of potentially higher returns while guaranteeing him that he will get
back atleast all the premiums paid by him, while providing protection to your family with a life
insurance cover.

• InvestShield Cashbak is a unit linked plan that provides premium guarantee while maintaing a
balance between return, safety & liquidity.

• Wealth Advantage s a unique whole life single premium unit linked plan that provides long term
coverage upto the age of 70 years and provides you the option to systematically withdraw your
money.

• LifeStage Assure a unit linked insurance plan that provides Guaranteed Maturity Addition of
100%- 450% of first year premium based on the term and number of premiums paid, with the
additional advantage of a lifecycle based portfolio strategy that allocates the investor’s money
across various asset classes based on his age and risk appetite.

Protection Solutions

• Pure Protect is a flexible and affordable term product, with which you can ensure your life and
provide total security for your family in case of an unfortunate event.

• LifeGuard is a protection plan, which offers life cover at low cost. It is available in 2 options –level
term assurance with return of premium & single premium.

• HomeAssure is a mortgage reducing term assurance plan designed specifically to help customers
cover their home loans in a simple and cost-effective manner.

Child Plans

• SmartKid New ULRP The policy is designed to provide money at key educational milestones in
the child's life. SmartKid plans are also available in traditional form.

Retirement Solutions

• ForeverLife is a traditional retirement product that offers guaranteed returns for the first 4 years.

• LifeTime Super Pension is a regular premium unit linked pension plan that helps one accumulate
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over the long term and offers 5 annuity options (life annuity, life annuity with return of purchase
price, joint life last survivor annuity with return of purchase price, life annuity guaranteed for 5,10
and 15 years & for life thereafter, joint life, last survivor annuity without return of purchase price)
at the time of retirement.

• LifeStage Pension is a regular premium unit linked pension plan that provides you with a unique
lifecycle-based strategy that continuously re-distributes your money across various asset classes
based on your age and risk profile.

• LifeLink Super Pension is a single premium unit linked pension plan.

• Immediate Annuity is a single premium annuity product that guarantees income for life at the
time of retirement. It offers the benefit of 5 payout options.

Health Solutions

• Hospital Care is a fixed benefit plan covering various stages of treatment – hospitalisation, ICU,
procedures & recuperating allowance. It covers a range of medical conditions (900 surgeries) and
has a long term guaranteed coverage upto 20 years.

• Crisis Cover is a 360-degree product that will provide long-term coverage against 35 critical
illnesses, total and permanent disability, and death.

• Diabetes Care Active is a long term insurance policy created for individuals with Type II diabetes
and pre-diabetes. It offers long term (upto 20 years) control over diabetes through a specially
designed Wellness Programme including regular health checkups and a Diabetes Coach to facilitate
diabetes management. It also provides you coverage against seven major critical illnesses.

• Cancer Care is a regular premium plan that pays cash benefit on the diagnosis as well as at
different stages in the treatment of various cancer conditions.

• MediAssure is a health insurance policy that provides assured insurability till age 75 years,
assured coverage for accepted pre-existing illnesses after 2 years and an assured price for 3 years.

• Health Saver provides comprehensive hospitalization cover and reimburses all other medical
expenses by building a health fund.

Group Insurance Solutions

ICICI Prudential also offers Group Insurance Solutions for companies seeking to enhance benefits to their
employees.

• Group Gratuity Plan: ICICI Prudential Life's group gratuity plan helps employers fund their
statutory gratuity obligation in a scientific manner and also avail of tax benefits as applicable to
approved gratuity funds.

• Group Superannuation Plan: ICICI Prudential Life offers a flexible market linked scheme that
provides substantial benefits to both employers and employees. Both defined contribution (DC) and
defined benefit (DB) schemes are offered to optimise returns for members of the trust and
rationalise cost. Members have the option of choosing from various annuity options or opting for a
partial commutation of the annuity at the time of retirement.

• Group Immediate Annuities: CICI Prudential Life realises the importance of prudent retirement
planning. With this in mind, we have developed a suite of annuity products that not only give you
an income for life but also provide you options to match your needs. In addition to the annuities
offered to existing superannuation customers, we offer immediate annuities to superannuation
funds not managed by us.

• Group Term Plan: ICICI Prudential Life's flexible group term solution helps provide an affordable
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cover to members of a group. The cover could be uniform or based on designation/rank or a

multiple of salary. The benefit under the policy is paid to the beneficiary nominated by the member
on his/her death.

Flexible Rider Options

ICICI Prudential Life offers flexible riders, which can be added to the basic policy at a marginal cost,
depending on the specific needs of the customer.

1. Accident & disability benefit: If death occurs as the result of an accident during the term of the
policy, the beneficiary receives an additional amount equal to the rider sum assured under the
policy. If an accident results in total and permanent disability, 10% of rider sum assured will be
paid each year, from the end of the 1st year after the disability date for the remainder of the base
policy term or 10 years, whichever is lesser. If the death occurs while travelling in an authorized
mass transport vehicle, the beneficiary will be entitled to twice the sum assured as additional
benefit.

2. Critical illness benefit: Critical Illness Benefit Rider provides protection against 9 critical illnesses
to the policyholder when attached to the basic plan.

3. Waiver of premium: On total and permanent disablement due to accident all future premiums
under the base plan will be waived till the end of the term of the rider or death of assured life, if
earlier.

4. Income benefit rider: In case of death of the Life Assured during the term of the policy, 10% of
the Sum Assured is paid annually to the nominee on each policy anniversary till the maturity of the
rider.

About the Promoters

ICICI Bank
About ICICI Bank: ICICI Bank Ltd (NYSE:IBN) is India's largest private sector bank and the second largest
bank in the country with consolidated total assets of about US$ 95 billion as of March 31, 2009. ICICI
Bank’s subsidiaries include India’s leading private sector insurance companies and among its largest
securities brokerage firms, mutual funds and private equity firms. ICICI Bank’s presence currently spans 19
countries, including India.

Prudential Plc
Established in London in 1848, Prudential plc is a leading internal retail financial services group with
significant operations in Asia, the US and the UK. Prudential has been writing protection and savings
insurance for over 160 years, and today has more than 21 million customers worldwide and over 249 billion
in assets under management (as of December 31, 2008). In Asia, Prudential is the leading Europe-based
life insurer with operations in China, Hong Kong, India, Indonesia, Japan, Korea, Malaysia, the Philippines,
Singapore, Taiwan, Thailand, and Vietnam. Prudential is one of the largest asset management companies in
terms of overall assets sourced in Asia ex-japan, with ?36.8 billion funds under management (as of
December 31, 2008) and operations in ten markets including China, Hong Kong, India, Japan, Korea,
Malaysia, Singapore, Taiwan, Vietnam and United Arab Emirates.

Awards
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ICICI Pru Life ranked as the Most Trusted Pvt Life Insurance brand in the
Brand Equity "Most Trusted Brands 2009" survey

ICICI Prudential Life won a Gold award for AboutULIPS.com and Health Saver
campaign,innovation award for www.taxguru08-09.com and a silver award
for its Insurance yoga campaign at the ICICI Group Marketing Excellence
award.
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Confederation of Indian Industry (CII) - Western Region recently awarded

ICICI Prudential Life a 'Commendation for Strong Commitment to HR
Excellence 2008' at the CII HR Summit 2008.

ICICI Prudential Life Insurance was awarded with the coveted 'ICAI Award for
Excellence in Financial Reporting' by the Institute of Chartered Accountants of
India (ICAI) for the financial year ended March 31, 2008.
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ICICI Prudential Life was awarded the Life Insurance Company of the Year at
the12th Asia Insurance Industry Awards 2008.

ICICI Prudential Life was awarded with two Bronze Effie's in the sevices
catgeory for its Corporate campaign and Retirement Number campaign

ICICI Prudential Life Insurance won the award for the Best Life Insurer-
Runner up at the Outlook Money & NDTV Profit Awards 2008
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ICICI Prudential Life was awarded the SAP ACE 2008 Best Business Objects
Award for its IT practices

ICICI Prudential Life won the Award for Brand Excellence in the Banking and
Financial services category at the Asia Brand Congress 2008

Ms. Shikha Sharma, MD & CEO, ICICI Prudential Life Insurance Co. Ltd. was
adjudged the Businesswoman of the year at The Economic Times Awards for
Corporate Excellence, 2007-08.
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ICICI Prudential Life won the UK Trade & Investment India Business Awards
2008 in the Business Partnership Award-Large Company category

ICICI Prudential Life won the ICICI Group Marketing Excellence Award 2008
in three key categories for its marketing initiatives
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ICICI Prudential Life was awarded the INDY’s Award for Excellence in Mass
Communication in the category of Most Creative Advertisement-Television

India's Most Customer Responsive Insurance Company . Avaya Global

Connect - Economic Times. Customer Responsiveness Awards, 2007

Ms. Shikha Sharma, MD & CEO, ICICI Prudential Life Insurance was adjudged
as one of the 50 Most Powerful Women in Business by The Financial Express.
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Ms. Shikha Sharma, MD & CEO, ICICI Prudential Life Insurance was adjudged
the Entrepreneur of the Year-Manager at the Ernst and Young Entrepreneur
Awards 2007

Ms. Shikha Sharma, MD & CEO, ICICI Prudential Life Insurance was awarded
the Outstanding Businesswoman of the Year at CNBC TV18's India Business
Leader Awards 2007
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ICICI Prudential Life Insurance won the award for the Best Life Insurer-
Runner up at the Outlook Money & NDTV Profit Awards 2007

ICICI Prudential Life’s, retirement solutions campaign for the year 2006-07
was awarded the Bronze Effy trophy in the services category.It also won the
Brand Equity Bravery Award 2007, instituted by Ad club.

ICICI Prudential Life’s website, www.iciciprulife.com was awarded the best

website among private life insurers at the Web 18 and Frost & Sullivan Genius
of the Web Awards 2007 for commendable work in the online.
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Innovation Award for launching Diabetes Care – Prudence Award 2006.

People Award for excellence in training and people development - Prudence
Award 2006

India's Most Customer Responsive Insurance Company. Avaya GlobalConnect

- Economic Times. Customer Responsiveness Awards

Most Trusted Private Life Insurer. The Economic Times - A C Nielsen Survey of
Most Trusted Brands – 2003, 2004 and 2005
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Prudence Customer Centricity Award 2004 & 2005. Prudential Corporation

Asia

Best Life Insurer 2003. Outlook Money Awards 2003 & 2004
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IMM Award for Excellence. Institute of Marketing & Management

Organisation with Innovative HR Practices Indira Group of Institutes

Superbrand 2003-04

Organisation with Innovative HR Practices Asia-Pacific H R Congress Awards

for HR Excellence

Silver Effie for Effectiveness of the ‘Retire from Work not life’ advertising
campaign Effies 2003

Recognitions
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ICICI Prudential Life was recognized as the most trusted brand amongst
private life insurers in the Economic Times-Most Trusted Brand survey 2008.

IMM Award for Excellence. Institute of Marketing & Management

Organisation with Innovative HR Practices. Indira Group of Institutes

Organisation with Innovative HR Practices. Asia-Pacific H R Congress Awards

for HR Excellence

Wealth Creation Plans

Call toll free (MTNL/BSNL)
1800-22-2020

Wealth Creation Plans give the customer the dual benefit of protection along with the potentially higher
returns of market-linked instruments. The most important benefit of ULIPs is the flexibility they give the
customer in choosing the premium amount and also choosing the underlying fund in which this money is to
be invested. Wealth creation plans also offer the customer more liquidity options as compared to traditional
plans. As such, ULIPs are ideal for customers who want the protection of a life cover to be allied to the
returns of market linked instrument – giving them an unmatched combination of benefits.

Under the wealth creation platform, ICICI Prudential brings the following products to you. Please click on the
product name to know more about the plans.

Plan Name Plan Type

ICICI Pru SecureSave Unit Linked

ICICI Pru Wealth Advantage Unit Linked

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ICICI Pru LifeStage Assure Unit Linked

ICICI Pru LifeTime Gold Unit Linked

ICICI Pru PremierLife Gold Unit Linked

ICICI Pru LifeLink Super Unit Linked

ICICI Pru LifeStage RP Unit Linked