kpgzb / Page 1 of

Benefit Illustration of ICICI Pru Pinnacle

3

This shall form a part of the policy document

Prepared For : Bharat

Product Features
Name of the Product : ICICI Pru Pinnacle Unique Identification No. : 105L095V01 Proposal No. : _________
Age : 29 Years Service Tax Rate : 10.30% Policy No. : _________
Sum Assured : Rs.250,000/ - Policy Term : 10 Years Proposer NRI/ from J&K : No
Amount of Installment premium : Rs.50,000/ - Premium Payment Term : 3 Years     
Mode Of Premium Payment : Yearly Pinnacle 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 7.09%
Amount
available Addition
Premium Policy to the Fund Fund
Policy Annualised for Mortality Service Other Guarantee Fund at Surrender Death
Allocation Admin before Managment
Year Premium
Charge
investment Charge Tax
Charge
Charge fund (if
FMC Charge
Charge End 2 Value Benefit
(out of any) 1
Premium)
1 50000 7000 43000 304 1186 3600 - 0 41836 564 42 41272 0 250000
2 50000 2000 48000 234 736 3600 - 0 93228 1225 91 92003 0 250000
3 50000 1000 49000 158 706 3600 - 0 150158 1956 145 148202 142274 250000
4 0 0 0 147 246 0 - 0 162355 2089 155 160266 157061 250000
5 0 0 0 133 264 0 - 0 175601 2260 167 173341 173341 250000
6 0 0 0 117 282 0 - 0 189960 2444 181 187516 187516 250000
7 0 0 0 97 303 0 - 0 205526 2644 196 202882 202882 250000
8 0 0 0 74 324 0 - 0 222405 2861 212 219544 219544 250000
9 0 0 0 44 347 0 - 0 240712 3097 230 237615 237615 250000
10 0 0 0 10 372 0 - 7717 260570 3352 248 264935 264935 264935

Gross Yield 6%
Amount
available Addition
Premium Policy to the Fund Fund
Policy Annualised for Mortality Service Other Guarantee Fund at Surrender Death
Allocation Admin before Managment
Year Premium
Charge
investment Charge Tax
Charge
Charge fund (if
FMC Charge
Charge End 2 Value Benefit
(out of any) 1
Premium)
1 50000 7000 43000 305 1184 3600 - 0 40249 552 41 39697 0 250000
2 50000 2000 48000 238 732 3600 - 0 88115 1178 87 86937 0 250000
3 50000 1000 49000 170 696 3600 - 0 139292 1847 137 137445 131947 250000
4 0 0 0 168 227 0 - 0 145089 1899 141 143190 140326 250000
5 0 0 0 165 236 0 - 0 151164 1978 147 149186 149186 250000
6 0 0 0 163 245 0 - 0 157505 2061 153 155444 155444 250000
7 0 0 0 160 254 0 - 0 164124 2148 159 161976 161976 250000
8 0 0 0 158 264 0 - 0 171029 2238 166 168791 168791 250000
9 0 0 0 154 274 0 - 0 178238 2332 173 175906 175906 250000
10 0 0 0 150 284 0 - 5500 185762 2430 180 188832 188832 250000
 8 0 0 0 158 264 0 - 0 171029 2238 166 168791 168791 250000
9 0 0 0 154 274 0 - 0 178238 2332 173 175906 175906 250000
10 0 0 0 150 284 0 - 5500 185762 2430 180 188832 188832 250000

kpgzb / 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 Pinnacle is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or
returns.
Pinnacle Fund is the name of the fund and does not in any manner indicate the quality of the fund, its future prospects or returns.
1 Additional allocation will be made at the end of the 10th policy year @ 3% of the policy ’s F u n d V a l u e o n t h e d a y o f
maturity.The Guaranteed NAV will not be applicable to the Additional Allocation.
2 At the end of 10 policy years, the higher of the Fund Value (Units X NAV) and Guaranteed Value (Units X Guaranteed NAV)
as on the maturity date, along with the Additional Allocation shall be payable. The Guaranteed NAV will be the highest NAV
recorded on a daily basis in the first 7 years of Pinnacle Fund (from 24/10/2009 to 24/10/2016); subject to a minimum of
Rs.10.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Disclaimers kpgzb / 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 fund. The actual investment return on the fund may be higher or
lower than the above rates.
3. The projected yields have been calculated after applying all the charges ( except mortality charge, service tax and cost of
investment guarantee).
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 the
fund will be achieved.
6. The unit value of the units of the fund 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 policy acquires a surrender value on payment of the first full year's premium, however its 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, amount available for investment, thereafter, previous year's end Fund Value plus
the amount available for investment in the current year.
9. Pinnacle Fund does not offer a guaranteed or assured return. However, the highest NAV recorded on a daily basis in the first
7 years of fund (from 24/10/2009 to 24/10/2016); subject to a minimum of Rs.10, will be guaranteed on maturity.
10. Past Performance of any plan/ fund of the company is not necessarily indicative of the future performance of any of the
plans.
11. In case of non standard age proof, an additional charge of Rs. 2.50 per Rs. 1000 of Sum Assured will be levied on an
annual basis. For ULIP products, this charge will be deducted via cancellation of units.
12. The above information must be read in conjunction with the sales brochure & policy document.
13. This illustration is based on the terms and conditions of the life insurance policy as on date of the illustration.
14. 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 basic mortality charge. However, the illustration could change in case we charge extra premium
based on underwriting guidelines.
15. Tax Benefits would be available as per the prevailing Income Tax laws.
16. For any further clarifications, please feel free to contact your advisor/FSC or e -mail us on lifeline@iciciprulife.com
17. All the charges in the illustration are inclusive of Service Tax and Education Cess applicable as per the current Tax laws.
  Insurance is the subject matter of the solicitation.    

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

Marketing officials Signature:                                                                    Proposer's 
Signature:______________________________
Company Seal:
Place
 Marketing officials Signature:                                                                    Proposer's 
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