A solution that covers both parents.

Make it TWICE as secure, with

IN UNIT LINKED POLICIES, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER IN UNIT LINKED POLICIES, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. This advertisement is designed for combination of Benefits of two or more individual and separate products named (1) ICICI Pru Smart Life and (2) ICICI Pru Savings Suraksha and (3) ICICI Pru iCare II. The customer has the choice of purchasing any one or more products as per his/her need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the Insurer and presented in this advertisement. The customer is expected to ask questions, understand and satisfy himself that this combination meets his/her specific needs better before deciding to purchase this combination. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of the individual products mentioned herein.

Building your child's future is a joint effort

When it comes to a child’s upbringing, both parents play an equally important role. From

nurturing to teaching, from sports to life skills, there’s so much each parent inculcates in a

child. Bringing different strengths, unique perspectives, and a healthy balance that ensures

a stable future for the child.

Both husband & wife share equal responsibility in managing both financial as well as family

responsibilities. The biggest challenge today is to muster the finances to match the

mounting costs of education, vocational courses, child’s wedding etc. This is why planning

for the various milestones becomes critically important in the near future. Ensure that your

child’s dreams continue and do not get compromised if either of you is not around.

We, at ICICI Prudential Life understand the need to secure these non-negotiable financial

goals and keeping this in mind, we present an exclusive solution to cater to your needs!

How much will it cost in the future?

Have you planned for it?

Do you know how much will your child’s highereducation/marriage cost in the future?

Cost of Marriage today is

Age at higher education* 20 Years

Present age of the child 10 Years

No. of years left 10 Years

Future cost of higher education#

Current cost of education from premierinstitute

` 30 Lakh

` 49 Lakh

Total minimum investment required to secureyour child’s education is

` 4 Lakh per annum for next 10 years

Approximate annual premium to be investedto achieve the goal##

#Source: Indian School of Business, Hyderabad

30 Lakh

` 4 Lakh

Cost of Education from a Premier Institute#

*Considering need of higher education at age 20 of the child#Considering inflation at 5% annually##Considering 8% Assumed Annual rate on investments

PRESENTING ICICI PRUDENTIALJOINT LIFE SMART PARENTS SOLUTION – AGGRESSIVEA combination of ICICI Pru Smart Life (a unit linked insurance plan; UIN: 105L145V01), ICICI Pru Savings Suraksha (a non-linked insurance plan; UIN: 105N135V01) and ICICI Pru iCare II (a non-linked term insurance plan; UIN: 105N140V01) which offers financial security for some very important needs in your child’s life

What does this solution offer you?

Savings for future goals:

• A lump sum at maturity for higher education, marriage or startup capital for your child’s dream venture

• Security of Guaranteed Maturity Benefit & Guaranteed Additions.

• #Upto 70% equity exposure

Comprehensive Protection: In the unfortunate demise of either parent,the solution provides:

• Lumpsum Benefit: to take care of immediate liabilities & liquidity to pay for the premiums of the surviving parent.

• Smart Benefit: All future premiums payable under ICICI Pru Smart Life policy of the deceased parent will be paid by the company. The company allocates the units equivalent to the premium amount to the policy every year. The nominee will receive the maturity benefit at the end of the policy term, ensuring that the financial goal stays intact.

In this solution, at inception, for each parent you purchase

• ICICI Pru Smart Life

• ICICI Pru Savings Suraksha

• ICICI Pru iCare II

Disclaimers:

• The Unit linked insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year. Please refer to the individual product brochures for terms and conditions on withdrawal/surrender after completion of five years.

• Guaranteed benefits in case of ICICI Pru Savings Suraksha are available only if all premiums are paid as per the premium payment term and the policy is in-force till the completion of entire policy term

• #The equity exposure will depend upon fund selected in ICICI Pru Smart Life.

LET’S SEE HOW THIS SOLUTION CAN HELP YOU UNDERVARIOUS SCENARIOS:Total Premium = `4 Lakh, 1st Smart parent Age= 35 years, 2nd Smart parent Age= 32 years,Fund Choice = Aggressive

Year 1 to 10 ` 4 Lakh per annum

Consolidated premiums payable (inclusive of service tax)

^The total benefits include Maturity Benefit of Savings Suraksha plus Maturity Benefit of Smart Life. *For split of guaranteed and non-guaranteed return please refer the detailed benefit illustration of individual products mentioned above. Tax benefits on premiums paid and benefits received will be applicable as per the prevailing tax laws. If the policy offers guaranteed returns, then these will be clearly marked “guaranteed” in the Benefit Illustration. Since the policy offers variable returns, the given illustration shows two different rates (4% & 8% p.a.) of assumed future investment returns The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of the policy depends on a number of factors including future investment performance. The above information must be read in conjunction with the sales brochure and policy documents. For the purpose of illustration, we have combined the premiums payable and benefits that you may receive under each plan of this solution.

Assumed rate of return* Lump sum to be paid to you(at the end of the year 10)

8% ` 49,73,114

4% ` 40,52,541

Details of the benefits

Total premiums payable is ` 40 Lakh and total benefitsreceivable is ` 49,73,114^

Therefore your child’s future goals are secured with the Maturity benefits considering current cost at ` 30 Lakh and

5% annual rate of inflation

Scenario 1: What do you get on maturity as a survival benefit

Year 1 Year 10

Maturity Benefit of ` 49,73,114assuming at a return of 8%*

Pay ` 4 Lakh perannum for 10 years

Scenario 2: In the unfortunate demise of 1st Smart parent

Pay ` 2.2 Lakhper annum for

10 years

1st Smart parent ICICI Pru Smart Life policy continues, and the premium

is paid by the company

Age 35

Maturity Benefit of Smart Life of ` 19,77,662 paid to the nominee assuming at a return of 8% (B)*

Age 45

Death Benefit of` 72,41,664 paid on death of the

1st parent (A)

ICICI Pru SavingsSuraksha

Total Death Benefit

7,60,104 72,41,664

Details of the Death benefits (Assuming Death after 6th policy year)

ICICI Pru iCare II ICICI Pru Smart Life

14,81,56150,00,000

At the end of the policy term:

Total MaturityBenefit^

Maturity Benefit

19,77,6628% 16,36,156 42,25,5786,11,760

15,87,5434% 13,13,742 34,19,5605,18,275

Assumed Rateof Return

ICICI PruSmart Life

ICICI PruSmart Life

ICICI Pru Savings Suraksha

(2nd Smart Parent)(1st Smart Parent) (2nd Smart Parent)

Therefore, the child’s future goals are secured even after unfortunate demise of 1st Smart parent

Death Benefit:Nominee will receive a Death Benefit from iCare II, Smart Life & Savings Suraksha.

Total Benefit A B= + C+ ` 1,14,67,242=

2nd Smart parent

Age 32 Age 42

Maturity Benefit of ` 22,47,916assuming a return of 8% (C)*

Pay ` 1.8 Lakh perAnnum for 10 years

^The total benefits include Maturity Benefit of Savings Suraksha plus Maturity Benefit of Smart Life. *For split of guaranteed and non-guaranteed return please refer the detailed benefit illustration of individual products mentioned above. In the unfortunate event of Life Assured’s death during the policy term, the nominee will receive a lump sum consisting of the death benefits of ICICI Pru iCare II, ICICI Pru Smart Life & ICICI Pru Savings Suraksha. Tax benefits on premiums paid and benefits received will be applicable as per the prevailing tax laws. If the policy offers guaranteed returns, then these will be clearly marked “guaranteed” in the Benefit Illustration. Since the policy offers variable returns, the given illustration shows two different rates (4% & 8% p.a.) of assumed future investment returns. The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of the policy depends on a number of factors including future investment performance. The above information must be read in conjunction with the sales brochure and policy documents. For the purpose of illustration, we have combined the premiums payable and benefits that you may receive under each plan of this solution.

Year 1 to 10 ` 4 Lakh per annum

Consolidated premiums payable (inclusive of service tax)

Death Benefit:Nominee will receive a Death Benefit from iCare II, Smart Life & Savings Suraksha

ICICI PruSavings Suraksha

Total Death Benefit

6,22,370 68,34,550

Details of the Death benefits (Assuming Death after 6th policy year)

ICICI Pru iCare II ICICI Pru Smart Life

12,12,18050,00,000

Therefore, your child’s future goals are secured even after unfortunate demise of 2nd Smart parent

Pay ` 1.8 Lakhper annum

2nd Smart parent ICICI Pru Smart Life policy continues, and the premium

is paid by the company

Age 32

Maturity Benefit of ` 16,36,156 paid to the nominee

assuming at a return of 8% (C)*

Age 42

Death Benefit of ` 68,34,550 paid on death of the 1st parent (B)

1st Smart parent

Age 35 Age 45

Maturity Benefit of ` 27,25,197assuming a return of 8% (A)*

Pay ` 2.2 Lakh perannum for 10 years

Scenario 3: In the unfortunate demise of 2nd Smart parent

^The total benefits include Maturity Benefit of Savings Suraksha plus Maturity Benefit of Smart Life. For split of guaranteed and non-guaranteed return please refer the detailed benefit illustration of individual products mentioned above In the unfortunate event of Life Assured’s death during the policy term, the nominee will receive a lump sum consisting of the death benefits of ICICI Pru iCare II, ICICI Pru Smart Life & ICICI Pru Savings Suraksha. Tax benefits on premiums paid and benefits received will be applicable as per the prevailing tax laws. If the policy offers guaranteed returns, then these will be clearly marked “guaranteed” in the Benefit Illustration. Since the policy offers variable returns, the given illustration shows two different rates (4% & 8% p.a.) of assumed future investment returns The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of the policy depends on a number of factors including future investment performance. The above information must be read in conjunction with the sales brochure and policy documents. For the purpose of illustration, we have combined the premiums payable and benefits that you may receive under each plan of this solution.

Year 1 to 10 ` 4 Lakh per annum

Consolidated premiums payable (inclusive of service tax)

At the end of the policy term:

Total Benefit A B= + C+ ` 1,11,95,903=

Total MaturityBenefit^

Maturity Benefit

16,36,1568% 7,47,535 43,61,35319,77,662

13,13,7424% 6,32,981 35,34,26615,87,543

Assumed Rateof Return

ICICI PruSmart Life

ICICI PruSmart Life

ICICI Pru Savings Suraksha

(2nd Smart Parent)(2nd Smart Parent) (1st Smart Parent)

POLICY AT A GLANCE

Premium payment Term (PPT)

Policy Term

Minimum Annual Premium

Maximum Annual Premium

Sum Assured on Death

Minimum Age at entry

Maximum Age at entry

Premium payment Mode

10 Years

10 Years

` 4,00,000

Unlimited

` 50 Lakh (for iCare II) + 10 times ofannual premium for other products

(Smart Life + Savings Suraksha)

20 Years

49 Years

Annual / Half-yearly / Monthly

Joint Life Smart Parents

• This combination solution comprises set of policies across one or more products of the company. These products are also available individually with the Company and it is not mandatory for the customer to apply for this combination only. The customer isrequested to go through the individual benefit illustrations of the products in the solution.

• This is not a product brochure. The customer is requested to go through the product brochure of ICICI Pru Smart Life (UIN: 105L145V01), ICICI Pru Savings Suraksha (UIN: 105N135V01) and ICICI Pru iCare II (UIN: 105N140V01) & to take decision to opt for this combination after having fully understood the risk factors, product terms and conditions as briefly indicated below:

• ICICI Pru Savings Suraksha: Reversionary Bonus, Terminal Bonus, Premium Discontinuance, Surrender, Policy revival, Death Benefit, Guaranteed Maturity Benefit (GMB) etc.

• ICICI Pru Smart Life: Investment strategy, Funds, Premium Discontinuance, Policy revival, Loyalty Additions, Wealth Boosters, Surrender, Charge structure, Death benefit, Maturity benefit etc.

• ICICI Pru iCare II: Death benefit

• The individual products under this solution have certain product features like Sum Assured, Death Benefit option, etc. which offer options beyond the ones assumed in the benefit illustrations shown here. My choice with respect to these will not be restricted to what has been shown here and I will be able to choose from all the options available at the time of purchase of the respective products.

• The individual products under this solution have certain product features like Sum Assured, Death Benefit option, etc. which offer options beyond the ones assumed in the benefit illustrations shown here. The customer's choice with respect to these will not be restricted to what has been shown here and he will be able to choose from all the options available at the time of purchase of the respective products.

• For the purpose of illustration, the Company has assumed different rates of investment returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits of what the customer might get back, as the value of the policy depends on a number of factors including future investment performance.

• The benefit of this combination solution shall accrue only if the customer continues to pay premiums for the entire premium payment term.

• The benefits available under this combination solution shall be as per the policy terms and conditions of the respective products.

TERMS & CONDITIONS:

ICICI PruSmart Life is a Unit linked insurance plan. ICICI Pru Savings Suraksha is a non-linked participating insurance plan. ICICI Pru iCare II is aa non-linked term insurance plan. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values and the customer shall be responsible for his/her decision. The name of the Company, Product names or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns. Investments are subject to market risk. © 2015, ICICI Prudential Life Insurance Co. Ltd. Registered Address: ICICI Prulife Towers, 1089, AppasahebMarathe Marg, Prabhadevi, Mumbai - 400025. Reg. No.: 105. Insurance is the subject matter of the solicitation. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. CIN: U66010MH2000PLC127837. UIN: ICICI Pru Smart Life (UIN: 105L145V01), ICICI Pru Savings Suraksha (UIN: 105N135V01) and ICICI PruiCare II (UIN: 105N140V01) Call us on 1-860-266-7766 (10am-7pm, Monday to Saturday, except national holidays. Valid only for calls made from India). You can email us at lifeline@iciciprulife.com or visit us at www.iciciprulife.com. Trade Logo displayed above belongs to M/s ICICI Bank Ltd & Prudential IP services Ltd which shall be used by ICICI Prudential Life Insurance Company Ltd under Registered License No.: 105. Advt.: L/II/786/2015-16,

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERSIRDAI clarifies to public that• IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.• IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.