Risk factors and warning statements

• Linked insurance products/ annuity products with variable pay-out options are different from traditional insurance products and are subject to the risk factors.
• The premium paid in linked insurance policies or the annuity offered under the annuity policies with variable annuity pay-out option are subject to investment risks associated with capital markets and publicly available index. The annuity amount/ NAVs of the unis may go up or down based on the performance of fund and factors influencing the capital market/ publicly available index and the insured is responsible for his/her decisions.
• ICICI Prudential Life Insurance in only the name of the Life Insurance Company and ICICI Pru Signature Assure is only the name of the linked insurance contract and does not in anyway indicate the quality of the contract, its future prospects or returns.
• Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company.
• The various funds offered under this contract are the names of the funds and do not in any way, indicate the quality of these plans, their future prospects and returns

In a Unit Linked Insurance Plan, the investment risk in investment portfolio is borne by the Policyholder. Unit linked Insurance products do not offer any liquidity during the first five years of the contract.

• Available through additional rider ‘ICICI Pru Linked Accidental Death and Disability Rider’. Please refer to the rider brochure for more details.
• Life Cover is the benefit payable on death of the life assured during the policy term. Death Benefit will be highest of: A) Sum Assured, including Top-up Sum Assured, if any B) 105% of the total premiums paid C) Fund Value including the Top-up Fund Value, if any.
• Starting from the 11th policy year, you will receive 2X of return of premium allocation charges (excluding taxes) in Life option, at the beginning of each month, till the end of the policy term. These will be added in the form of units to the Fund Value.
• Starting from the 11th policy year, you will receive 1.5X of return of mortality charges (excluding taxes) in Life option, at the beginning of each month, till the end of the policy term. These will be added in the form of units to the Fund Value. From 26th year onwards, you will receive 3.5X of return of mortality charges (excluding taxes) in Life option respectively, at the beginning of each month, till the end of the policy term.
• At policy maturity, an addition, known as Maturity Booster in the form of extra units (Units mean a specific portion or part of the Unit Linked Fund(s) in which you have saved your money) will be made to boost your Fund Value. do
• The onboarding process of ICICI Pru Protect N Gain is on basis of no income documentation with minimum declared income requirement of 3 Lakh up to sum assured 1cr. For higher sum assured, the guidelines would differ. These are the current underwriting guidelines and are subject to change.
• Starting from the 11th policy year, you will receive 1X of return of mortality charges (excluding taxes) in ) option, at the beginning of each month, till the end of the policy term. These will be added in the form of units to the Fund Value. From 26th year onwards, you will receive 2.5X of return of mortality charges (excluding taxes) in Grow option, at the beginning of each month, till the end of the policy term.
• From the 11th policy year, the premium allocation charges deducted 120 months earlier will be added back to the fund value as additional units, in the same manner and frequency as they were deducted.
• Policies issued on or after February  01, 2021 where aggregate premium(including top-up premiums and rider premiums) payable during the term of the policy/policies in respect of Unit linked life insurance policies more than Rs 2.5 lakh per year per person is not exempt u/s 10(10D). Tax benefits/tax-free returns under the policy are subject to conditions under Sections 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Taxes, if any will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. Please consult your tax advisor for more details.
• The investments in the funds are subject to market and other risks and there can be no assurance that the objectives of the funds will be achieved.
• Systematic Withdrawal Plan  may be opted for  supplementary income needs. Under this, one can get the facility to withdraw a pre-determined percentage of your fund value regularly. This can help meet specific needs such as child’s education or money for monthly health related expenses.