Lifetime Premier

• Trigger Portfolio Strategy: Option to choose a unique portfolio strategy to protect gains made in equity markets from any future equity market volatility while maintaining a pre-defined asset allocation
• Flexible premium payment options: You can either pay premium throughout the policy term or for a limited period
• Loyalty Additions: Paid at the end of every five policy years, starting from the 10th policy year, irrespective of the premium payment status
• Top up: Flexibility to invest surplus money over and above your regular premiums
• Automatic Transfer Strategy: Helps you eliminate the need to time your investment
• Tax Benefits: On premiums paid and benefits received as per prevailing tax laws

• You need to choose the premium amount, premium payment option, policy term, portfolio strategy and sum assured for your policy.
• After deducting the premium allocation charges, the balance amount will be invested in the portfolio strategy of your choice.
• In the unfortunate event of death of the Life Assured during the term of the policy, your nominee will receive Sum Assured plus Fund Value subject to Minimum Death Benefit.
• At maturity, the Fund Value including Top up Fund Value will be paid.
• Alternatively, settlement option can be chosen.

With ICICI Pru LifeTime Premier, you have the option to choose from two unique portfolio strategies. These are:

• Trigger Portfolio Strategy: For you, maintaining a pre-defined asset allocation is a dynamic process and is a function of constantly changing markets. The Trigger Portfolio Strategy enables you to take advantage of substantial equity market swings and invest on the principle of "buy low, sell high". This strategy also allows you to protect gains made from equity market investments from any future equity market volatility, in a systematic manner. Under this strategy, your investments will initially be distributed between two funds - Multi Cap Growth Fund, an equity oriented fund, and Income Fund, a debt oriented fund - in a 75%:25% proportion. The fund allocation may subsequently get altered due to market movements. We will re-balance or re-allocate funds in the portfolio based on a pre-defined trigger event.
• Fixed Portfolio Strategy: If you wish to manage your investment actively, we have a Fixed Portfolio Strategy. Under this strategy, you must choose your own asset allocation from any of the eight funds options. You may switch between these funds using the switch option.

We offer several options for you to buy as per your convenience. Choose from one of the following:

• Send me an advisor
• Visit your nearest branch
• Chat with an executive