Icici 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 s t a g e . I t s 1 3 p r o d u c t s c a n b e e n h a n c e d w i t h u p t o 4 r i d e r s , t o c r e a t e a c u s t o m i z e d solution for each policyholder. Savings Solutions: ICICI Pru Save n Protect is a traditional endowment savings plan that offers life protection along with adequate returns.

ICICI Pru Cashback Plans: is an anticipated endowment policy ideal for meeting milestone expenses like a child's marriage, expenses for a child's higher education or purchase of an asset. Protection Solutions:ICICI Pru LifeGuard i s a p r o t e c t i o n p l a n , w h i c h o f f e r s l i f e saver at very low cost. It is available in 3 options - level term assurance, level term assurance with return of premium and single premium. Child Solutions: ICICI Pru Smart Kid provides guaranteed educational benefits to ac h i l d a l o n g w i t h l i f e i n s u r a n c e c o v e r f o r t h e p a r e n t w h o p u r c h a s e s t h e p o l i c y. T h e policy is designed to provide money at important milestones in the child's life. Market-linked Solutions: ICICI Pru Life Link is a single premium Market Linked I n s u r a n c e P l a n w h i c h c o m b i n e s l i f e i n s u r a n c e c o v e r w i t h t h e o p p o r t u n i t y t o s t a y invested in the stock market. ICICI Pru LifeTime o f f e r s c u s t o m e r s t h e f l e x i b i l i t y a n d c o n t r o l t o c u s t o m i z e the policy to meet the changing needs at different life stages. It offers 3 i n v e s t m e n t options - Growth Plan, Income Plan and Balanced Plan. Retirement Solutions: ICICI Pru Forever Life i s a r e t i r e m e n t p r o d u c t t a r g e t e d a t individuals in their thirties. Market-linked retirement products ICICI Pru Lifetime Pension is a regular premium market-linked pension planICICI Pru LifeLink Pension is a single premium market-linked pension plan. Single Premium Solutions:ICICI Pru AssureInvest i s a s i n g l e p r e m i u m s a v i n g s product with life cover for terms of 5, 7 or 10 years

.ICICI Pru ReAssure is a retirement product for senior citizens who are on the verge of retirement or have just retired. ICICI Prudential also launched ''Salaam Zindagi'',a social sector group insurance policy targeted at the economically underprivileged sections of the society. Group Insurance Solutions: ICICI Prudential also offers Group Insurance Solutions for companies seeking to enhance benefits to their employees. ICICI Pru Group Gratuity Plan: ICICI Pru''s group gratuity plan helps employers fund their statutory gratuity obligation in a scientific manner. The plan can also be c u s t o m i z e d t o s t r u c t u r e s c h e m e s t h a t c a n p r o v i d e b e n e f i t s b e yo n d t h e s t a t u t o r y obligations. ICICI Pru Group Superannuation Plan: I C I C I P r u o f f e r s a f l e x i b l e d e f i n e d contribution superannuation scheme to provide a retirement kitty for each member of the group. Employees have the option of choosing from various annuity options or opting for a partial commutation of the annuity at the time of retirement. ICICI Pru Group Term Plan :IC IC I Pru''s flexible group term solution h e l p s provide affordable 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 Pru Life offers flexible riders, which can be added tithe basic policy at a marginal cost, depending on the specific needs of the customers

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 sum assured under the policy. If the death occurs while traveling in an authorized mass transport vehicle, the beneficiary will be entitled to twice the sum assured as additional benefit 2.Accident benefit: This rider option pays the sum assured under the rider on death due to accident. 3. Critical Illness Benefit:protects the insured against financial loss in the event of 9 s p e c i f i e d c r i t i c a l i l l n e s s e s . B e n e f i t s a r e p a ya b l e t o t h e i n s u r e d f o r m e d i c a l expenses prior to death. 4.Major Surgical Assistance Benefit: p r o v i d e s f i n a n c i a l s u p p o r t i n t h e e v e n t o f m e d i c a l e m e r g e n c i e s , e n s u r i n g t h a t b e n e f i t s a r e p a ya b l e t o t h e l i f e a s s u r e d f o r medical expenses incurred for surgical procedures. Cover is offered against different surgical procedures.

About The Partners: ICICI Bank (NYSE:IBN) is Indias second largest bank with an asset base of Rs.1 0 6 8 1 2 c o r e . I C I C I B a n k p r o v i d e s a b r o a d s p e c t r u m o f f i n a n c i a l s e r v i c e s t o individuals and companies. This includes mortgages, car and personal loans, credit a n d d e b i t c a r d s , c o r p o r a t e a n d a g r i c u l t u r a l f i n a n c e . T h e B a n k s e r v i c e s a g r o w i n g customer base of more than 7 million customer accounts and 5 million bondholders accounts through a multi-channel access network. This includes about 450 branches a n d e x t e n s i o n counters, 1675 ATMs, call centres and Internet b a n k i n g . ICICI Bank posted a net profit of Rs.1, 206 crore for the year ended March 31, 2003. ICICI Bank is the only Indi an company to be rated above the country rating by the international rating agency Moodys and the o n l y I n d i a n company to be awarded an investment grade international c r e d i t r a t i n g . T h e B a n k enjoys the highest AAA (or equivalent) rating from all leading Indian rating agencies. E s t a b l i s h e d i n 1 8 4 8 , Prudential plc i s a l e a d i n g i n t e r n a t i o n a l f i n a n c i a l s e r v i c e s company in the UK, with some US$250 billion funds under management and more than 16 million customers worldwide. Prudential has brought to market an integrated range of financial services products that now includes life assurance, pensions, mutual funds, banking, investment management and general insurance. In Asia, Prudential isUK''s largest life insurance company with a vast network of 22 life and mutual fund operations in twelve countries - China, Hong Kong, India, Indonesia, Japan, Korea, Malaysia, the Philippines, Singapore, Taiwan, Thailand and Vietnam. Since 1923, Prudential has championed customer-centric products and services, supported by over 60,000 staff and agents across the region. Insurance Plans: Savings Plans: Most endowment policies are a good way of saving for the future. A policy can be designed to make your savings grow and have them available to you at the end of a fixed number of years. Or, a policy could provide you with an income every three or four years.

You can browse through these policies to find one that best suits your needs: Smart Kid -a superior way to guarantee your childs future no matter what the uncertainty Lifetime- a complete market-linked insurance plan that adapts itself to your changing protection and investment needs, throughout a lifetime. Save'n' Protect- a traditional endowment savings plan that offers both high returns and protection.

CashBak - an endowment savings plan that allows you to get back substantial survival benefits without having to wait till the maturity date.

Depending on your particular needs, Savings Plans could allow you to do one or more of the following: Plan For Tangibles: buy that fashionable car, that huge refrigerator, etc. Plan For A Cosy Nest: b y f a c i l i t a t i n g t h e p u r c h a s e o f t h a t h o m e yo u h a v e always dreamt of. Plan For Milestones: ensure a good education for your children, childrens wedding, etc. Save on Deferred Taxes: because the interest income and maturity benefits of the Policy are tax exempt. Lifestyle Planning: m a i n t a i n yo u r l i f e s t yl e - e v e n i f yo u r i n c o m e w a s t o reduce in the future. Legacy Creation: buy property; invest in shares, bonds, etc. for your children or grandchildren. Attain Greater Heights: e n s u r e t h a t yo u r c h i l d r e n ' s e d u c a t i o n c o n t i n u e s undisrupted. Protection Plans We all hope to live a full life till a ripe old age... to ensure our children's sustenance a n d h e a l t h y g r o w t h . B u t w h a t i f a s u d d e n d i s a b i l i t y o r i l l n e s s s t r i k e s ? B e s i d e s t h e grief and the pain, such an event also completely disrupts life for all the people who a r e f i n a n c i a l l y d e p e n d e n t o n u s . O u r l i f e i n s u r a n c e p o l i c i e s o f f e r a c o m p r e h e n s i v e range of protection benefits: Lifeguard- A l o w c o s t - h i g h p r o t e c t i o n p l a n t h a t o f f e r s p r o t e c t i o n o v e r s pecified period. Riders- Additional benefits that one can add on to the policy. The rider can be opted for at the time of taking the basic policy. Additional premium is charged for each rider. An insurance policy can be tailor made to provide protection to you and your loved ones. If something were to happen to you, it can help: Safeguard Your Better Half: ensure life's continuity for your loved one.

Dear and Near Ones: ensure continuity of lifestyle for your dependents. A t t a i n G r e a t e r H e i g h t s : e n s u r e y o u r c h i l d r e n ' s e d u c a t i o n c o n t i n u e s undisrupted. Unforeseen circumstances: bear the cost of fighting an illness, disability, etc. Retirement Plans Most of you picture yourselves enjoying the fruits of labor after retirement, going on your dream vacation, or helping your children's career take wing. But do you realize t h a t f i n a n c i n g a l l t h i s w i l l m o s t l i k e l y d e p e n d p a r t l y o n yo u r p e r s o n a l s a v i n g s ? Because personal savings and investments represent a significant source of retirement income for many people, you can never save too much. Currently, you are at a stage where you are juggling many roles, as nurturing parents, dutiful caregivers to elders, supportive life partners, while trying to maintain a career. It is too easy to get carried away handling and solving the day -today problems to not look into your retirement needs. It may also seem too far away to be of concern. But a look at the issues below will make the need for some strategic planning at this stage amply clear. Today, thanks to a healthier lifestyle and advances in medicine, the average Indian lives longer. This makes the challenge of accumulating enough money for retirement even more difficult, since it may have to last longer. Also, with the falling interest rate s c e n a r i o a n d t h e r i s i n g c o s t s o f m e d i c a l e x p e n s e s r e t i r e m e n t m e a n s m o n e t a r y uncertainty for most of us. More so, because there is also the ever-persistent evil of inflation, which erodes your purchasing power. The graph below illustrates how much Rupees will 10,000/- amount to after some years: