Guaranteed
Wealth Protector

Key Benefits of ICICI Pru Guaranteed Wealth Protector

• Avail the potential for high returns through equity participation.
• Protect your savings from market downturns through an Assured Benefit.
• Pay premium just once or for a limited period of 5 years.
• Get rewarded with Loyalty Additions and Wealth Booster.
• Get tax benefits on premiums paid and benefits received, as per prevailing tax laws.

Benefits in detail:

• Maturity Benefit: On maturity, you will receive A or B, whichever is higher.
  Where,
  A = Fund Value including Loyalty Additions and Wealth Booster
  B = Assured Benefit
  Assured Benefit for the policy will be as follows:
  
  • In case of One Pay, 101% of the Single Premium
  • In case of Five Pay, 101% of the sum of all premiums paid
  Assured Benefit is applicable only on maturity of the policy and does not apply on death or surrender.
• Death Benefit
  In the unfortunate event of death of the Life Assured during the term of the policy, provided monies are not in DP Fund, the following will be payable:
  Death Benefit = A or B or C, whichever is highest
  Where,
  A = Sum Assured
  B = Minimum Death Benefit
  C = Fund Value
  The Minimum Death Benefit is 105% of the total premiums paid.
  
• Loyalty Additions: Starting from the end of the 6th policy year, Loyalty Additions will be allocated at the end of every year. Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values on the last business day of the last eight policy quarters. This will be added in the form of extra units.
• Wealth Boosters A Wealth Booster will be allocated as extra units at the end of the tenth policy year. Wealth Booster will be 3.25% (for Five Pay) or 1.5% (for One Pay) of the average of Fund on the last business day of the last eight policy quarters.
  

How does the plan work?

1. At policy inception, you choose your premium, premium payment term and premium payment mode.
2. You pay premiums towards the policy to accumulate funds while enjoying the safety net of an Assured Benefit.
3. Your money will be invested according to the Guaranteed Wealth Protector strategy. There are two funds under this strategy:
   • Life Growth Fund, an equity oriented fund
   • Life Secure Fund, a debt oriented fund
   The ratio of allocation to these two funds will depend upon your age at entry and the number of policy years completed. At the start of the policy, a higher portion of your money will be invested in Life Growth Fund. Over time the allocation to Life Secure Fund will be increased. Please refer to the product brochure for more details.
4. Enjoy life cover throughout the policy term. At maturity, you will receive the maturity benefit.

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