Company Profile
Content
Chapter 2 :- Company Profile ICICI PRUDENTIAL LIFE INSURANCE CO. LTD.
ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, one of the foremost financial services companies of India and Prudential plc, one of the leading international financial services group headquartered in the United Kingdom. ICICI Prudential was amongst the first private sector life insurance companies to begin operations in December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA). ICICI Prudential Life's capital stands at Rs. 4,780 crores (as of September 30, 2010) with ICICI Bank and Prudential plc holding 74% and 26% stake respectively. For the period April 1, 2010 to September 30, 2010, the company garnered Rs 7,267 crores of total premiums and has underwritten over 10 million policies since inception. The company has a network of over 1,500 offices and over 1, 60,000 advisors, as on September 30, 2010. The company has assets held over Rs. 65,000 crores as on September 30, 2010. For the past nine years, ICICI Prudential Life has maintained a wide range of Life Insurance products that meet the needs of the Indian customer at every step in life. ICICI Prudential Life recently completed 10 years on the Indian Insurance scape on 12th December 2010. ICICI Prudential website Since the liberalization of Indian Insurance sector, ICICI Prudential Life Insurance has been one of the earliest private players. Since the time, ICICI Pru Life has been the leader in terms of market share as indicated by the IRDA (Insurance Regulatory and Development Authority, the regulator for Indian Insurance Industry) at its website. During 2007-08, the organization's focus on rural business has proved its complex project execution capability and strong partnerships for customer servicing. In June, 2009 ICICI Prudential Life Insurance has decided to snap its tie up with TTK Healthcare to settle insurance claims of its users. ICICI Prudential's life insurance products may be loosely categorized under four forms- Life Plans (further categorised into Term Plans and Wealth Plans), Child Plans, Retirement Plans and Health Plans. Under Life Insurance Plan category it offers term plans like i-Protect online term plan, ICICI Pru Pure-Protect and ICICI Pru LifeGuard, and ULIP wealth plans like ICICI Pru LifeStage Wealth II, ICICI Pru LifeLink Wealth SP, ICICI Pru Pinnacle Super etc.
Under the Child / Education Plan category it offers products like ICICI Pru SmartKid regular premium and ICICI Pru SmartKid Premier Under the Retirement Insurance Plan category it offers products like ICICI Pru Forever Life & ICICI Pru LifeLink Pension SP. Under the Health Insurance Plan category it offers products like ICICI Pru Health Saver & ICICI Pru Hospital Care II.
Board of Directors The ICICI Prudential Life Insurance Company Limited Board comprises reputed people from the finance industry both from India and abroad. Ms. Chanda D. Kochhar, Chairperson Mr. N. S. Kannan, Director Mr. K. Ramkumar, Director Mr. Rajiv Sabharwal, Director Mr. Barry Stowe, Director Mr. Adrian O¶Connor, Director Mr. Keki Dadiseth, Independent Director Prof. Marti G. Subrahmanyam, Independent Director Ms. Rama Bijapurkar, Independent Director Mr. Vinod Kumar Dhall, Independent Director Mr. Sridar Iyengar, Independent Director Mr. Sandeep Bakhshi, Managing Director & CEO Mr. Puneet Nanda, Executive Director Mr. Madhivanan Balakrishnan, Executive Director VISION OF THE COMPANY To be the dominant Life, Health and Pensions player built on trust by world-class people and service. This we hope to achieve by:
y y y
Understanding the needs of customers and offering them superior products and service Leveraging technology to service customers quickly, efficiently and conveniently Developing and implementing superior risk management and investment strategies to offer sustainable and stable returns to our policyholders Providing an enabling environment to foster growth and learning for our employees And above all, building transparency in all our dealings
y y
The success of the company will be founded in its unflinching commitment to 5 core values -Integrity, Customer First, Boundaryless, Ownership and Passion. Each of the values describe what the company stands for, the qualities of our people and the way we work. We do believe that we are on the threshold of an exciting new opportunity, where we can play a significant role in redefining and reshaping the sector. Given the quality of our parentage and the commitment of our team, there are no limits to our growth. MISSION We will leverage our people, technology, speed and financial capital to:
y y y y y y y
be the banker of first choice for our customers by delivering high quality, world-class products and services. expand the frontiers of our business globally. play a proactive role in the full realisation of India¶s potential. maintain a healthy financial profile and diversify our earnings across businesses and geographies. maintain high standards of governance and ethics. contribute positively to the various countries and markets in which we operate. create value for our stakeholders.
http://www.irda.gov.in/ADMINCMS/cms/frmGeneral_Layout.aspx?page=PageNo585&flag=1&m id=Products%20offered%20%3E%3E%20Life%20Insurers 11/08/2011
Products of ICICI Pru Life from its origin
Financial Name of the Product Year
Remarks, if any, by IRDA
2000-01 ICICIPru Forever Life -Regular Premium Deferred Pension 2002-03 ICICIPru Forever Life -Regular Premium 2000-01 ICICIPru Forever Life -Single Premium Deferred Pension ICICIPru Single Premium Bond - Single Premium Endowment Bond with Guaranteed Additions 2000-01 Save "n' Protect 2002-03 Save "n' Protect ICICIPru Cashbak -Anticipated Endowment Assurance with 2000-01 Deferred Participation in profits 2000-01 Withdrawn Withdrawn
2002-03 ICICIPru Cashbak ICICIPru Life Guard -Level Term Assurance with Return of 2000-01 Premiums 2004-05 ICICIPru Life Guard -Level Term Assurance with Return of Premiums
2000-01 ICICIPru Life Guard -Single Premium Level Term Assurance 2004-05 ICICIPru Life Guard -Single Premium Level Term Assurance 2001-02 2001-02 2006-07 2008-09 2008-09 2009-10 2001-02 2003-04 2001-02 2003-04 2001-02 2001-02 2002-03 2002-03 2002-03 2002-03 2002-03 2004-05 2002-03 2002-03 2003-04 2002-03 2002-03 ICICI Pru Salaam Zindagi LifeTime Immediate Pension ICICI Pru Immediate Annuity ICICI Pru Immediate Annuity ICICI Pru Immediate Annuity ICICI Pru Immediate Annuity ICICIPru-ReAssure ICICIPru-ReAssure ICICIPRu-Assure Invest ICICIPRu-Assure Invest ICICI Pru Life Link ICICI-Pru Life Time ICICI-Pru Smart Kid ICICI-Pru Smart Kid ICICI-Pru Life Time Pension ICICI-Pru Life Link Pension LifeGuard Level Term Assurance LifeGuard Level Term Assurance Easy Life ICICI Pru Group Term Insurance ICICI Pru Group Term Insurance ICICI Pru Suraksha - Single Premium ICICI Pru Suraksha - Regular Premium
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2002-03 ICICIPru Mitr - Regular Premium Without Profit Endowment Plan 2002-03 2006-07 2010-11 2003-04 2006-07 2003-04 ICICI Pru Group Gratuity ICICI Pru Group Gratuity ICICI Pru Group Gratuity ICICI Pru Group Superannuation Plan ICICI Pru Group Superannuation ICICI Pru Secure Plus Withdrawn
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2003-04 2003-04 2003-04 2003-04 2003-04 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2005-06 2005-06 2006-07 2010-11 2005-06 2006-07 2006-08 2005-06 2005-06 2006-07 2005-06 2006-07 2005-06 2005-06 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07
ICICI Pru Cash Plus ICICI Pru Secure Plus Pension ICICI Pru Smart Kid - Unit Linked(RP) ICICI Pru Smart Kid - Unit Linked(SP) ICICI Pru Group Term Insurance with Profit Sharing ICICI Pru LifeTime II ICICI Pru LifeTime Pension-II ICICI Pru LifeLink II ICICI Pru LifeLink Pension II ICICI Pru Smart Kid (SP) II ICICI Pru Smart Kid (RP) II ICICI Pru Premier Life Suraksha Kavach ICICI Pru Group Leave Encashment Plan ICICI Pru Invest Shield Gold ICICI Pru Invest Shield Cash ICICI Pru Invest Shield Life ICICI Pru Invest Shield Pension ICICI Pru Home Assure ICICI Pru Group Gratuity Plus ICICI Pru Group Gratuity Plus ICICI Pru Group Gratuity Plus ICICI Pru Group Gratuity Platinum ICICI Pru Group Gratuity Platinum ICICI Pru Group Gratuity Platinum ICICI Pru Golden Years ICICI Pru Group Superannuation plus ICICI Pru Group Superannuation plus ICICI Pru Group Superannuation Platinum ICICI Pru Group Superannuation Platinum Health Assure Health Assure Plus Cancer Care Life Link Super Life Time Plus Lifetime Super Pension Lifetime Super Life Link Super Pension Smartkid New UL RP
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2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2007-08 2007-08 2007-08 2007-08 2007-08 2007-08 2007-08 2007-08 2007-08 2010-11 2007-08 2010-11 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2009-10 2009-10 2009-10
Smartkid New Unit Linked Single Premium Cashplus Premier Life Gold Investsheild Cashbak Investsheild Life - New Diabetes Care (Critical Illness Insurance) Diabetes Care Plus (Critical Illness + Life Insurance) ICICI Pru Credit Assure Cancer Care Plus Hospital Care ICICI Pru New Group Superannuation ICICI Pru New Group Superannuation Plus ICICI Pru New Group Superannuation Platinum Crisis Cover LifeStage RP Premier Life Pension LifeStage Pension Diabetes Assure ICICI Pru LifeTime Gold Diabetes Care Active Diabetes Care Active ICICI Pru Group leave Encashment ICICI Pru Group leave Encashment ICICI Pru Group leave Encashment Plus ICICI Pru Group leave Encashment Plus ICICI Pru Sarv Jana Suraksha ICICI Pru Life MediAssure ICICI Pru Life Stage Assure ICICI Pru Pure Protect ICICI Pru Wealth Advantage ICICI Pru Anmol Nivesh ICICI Pru Health Saver ICICI Pru SecureSave ICICI Pru Group Superannuation Suraksha ICICI Pru Group Gratuity Suraksha ICICI Pru Group Leave Encashment Suraksha ICICI Pru Life Stage Assure Pension ICICI Pru Assure Life ICICI Pru Elite Pension
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2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2010-11 2000-01 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11
ICICI Pru Pinnacle ICICI Pru Life Time Maxima ICICI Pru premier Wealth ICICI Pru Assure Wealth ICICI Pru Elite pension II ICICI Pru Life Stage Pension Advantage ICICI Pru Life Time pension Maxima ICICI Pru Assure Pension ICICI Pru Life Stage Wealth ICICI Pru Smart Kid Maxima ICICI Pru Ace ICICI Pru Smart Kid Assure ICICI Pru Structured Annuity ICICI Pru Hospital Care II ICICI Pru Save 'n' Protect - Single Premium ICICI Pru iProtect ICICI Pru Guaranteed Savings insurance Plan ICICI pru Whole Life ICICI Pru Future Secure ICICI Pru Group Term Plan ICICI Pru LifeLink Wealth SP ICICI Pru Life Time Premier ICICI Life Link Pension SP ICICI Pinnacle II ICICI Pru Life Stage Wealth II ICICI Pru Smart Kid Premier ICICI Pru Pinnacle Super
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Financial Name of the Rider Year 2000-01 2000-01 2000-01 2000-01 2000-01 2002-03 2002-03 2002-03 Accident and Disability Benefit Rider Critical Illness Benefit Rider (Accelarated) Critical Illness Rider (Standalone) Major Surgical Assistance Rider Level Term Insurance Rider Accidental Death and Disability Benefit Rider Single Premium Accident and Disability Rider Single Premium Term Rider
Remarks, if any, by IRDA
2002-03 Income Benefit Rider 2002-03 Accident and Disability Benefit Rider With Group Term Assurance Critical Illness Rider (Additional Benefit) With Group Term Assurance 2002-03 Accident Benefit Rider 2003-04 Accident Benefit Rider with Group Term Assurance 2002-03 2003-04 Critical Illness Rider (Accelerated) With Group Term Assurance 2003-04 2003-04 2006-07 2006-07 2006-07 2006-07 2006-07 2007-08 2007-08 2010-11 Critical Illness Benefit Rider (Accelerated) (with ICICI Pru Secure Plus, Cash Plus, Secure Plus Pension) Waiver of Premium Rider Critical Illness Rider Accident Death and Disability Benefit Rider Waiver of Premium Rider Income Benefit Rider Diabetes Enhanced Benefit Rider Death Benefit Rider Diabetes Enhanced Benefit Rider ICICI Pru Waiver of Premium on Critical Illness Rider
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ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, one of the foremost financial services companies of India and Prudential plc, one of the leading international financial services group headquartered in the United Kingdom. ICICI Prudential was amongst the first private sector life insurance companies to begin operations in December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA). ICICI Prudential Life's capital stands at Rs. 4,780 crores (as of September 30, 2010) with ICICI Bank and Prudential plc holding 74% and 26% stake respectively. For the period April 1, 2010 to September 30, 2010, the company garnered Rs 7,267 crores of total premiums and has underwritten over 10 million policies since inception. The company has a network of over 1,500 offices and over 1, 60,000 advisors, as on September 30, 2010. The company has assets held over Rs. 65,000 crores as on September 30, 2010. For the past nine years, ICICI Prudential Life has maintained a wide range of Life Insurance products that meet the needs of the Indian customer at every step in life. ICICI Prudential Life recently completed 10 years on the Indian Insurance scape on 12th December 2010. ICICI Prudential website Since the liberalization of Indian Insurance sector, ICICI Prudential Life Insurance has been one of the earliest private players. Since the time, ICICI Pru Life has been the leader in terms of market share as indicated by the IRDA (Insurance Regulatory and Development Authority, the regulator for Indian Insurance Industry) at its website. During 2007-08, the organization's focus on rural business has proved its complex project execution capability and strong partnerships for customer servicing. In June, 2009 ICICI Prudential Life Insurance has decided to snap its tie up with TTK Healthcare to settle insurance claims of its users. ICICI Prudential's life insurance products may be loosely categorized under four forms- Life Plans (further categorised into Term Plans and Wealth Plans), Child Plans, Retirement Plans and Health Plans. Under Life Insurance Plan category it offers term plans like i-Protect online term plan, ICICI Pru Pure-Protect and ICICI Pru LifeGuard, and ULIP wealth plans like ICICI Pru LifeStage Wealth II, ICICI Pru LifeLink Wealth SP, ICICI Pru Pinnacle Super etc.
Under the Child / Education Plan category it offers products like ICICI Pru SmartKid regular premium and ICICI Pru SmartKid Premier Under the Retirement Insurance Plan category it offers products like ICICI Pru Forever Life & ICICI Pru LifeLink Pension SP. Under the Health Insurance Plan category it offers products like ICICI Pru Health Saver & ICICI Pru Hospital Care II.
Board of Directors The ICICI Prudential Life Insurance Company Limited Board comprises reputed people from the finance industry both from India and abroad. Ms. Chanda D. Kochhar, Chairperson Mr. N. S. Kannan, Director Mr. K. Ramkumar, Director Mr. Rajiv Sabharwal, Director Mr. Barry Stowe, Director Mr. Adrian O¶Connor, Director Mr. Keki Dadiseth, Independent Director Prof. Marti G. Subrahmanyam, Independent Director Ms. Rama Bijapurkar, Independent Director Mr. Vinod Kumar Dhall, Independent Director Mr. Sridar Iyengar, Independent Director Mr. Sandeep Bakhshi, Managing Director & CEO Mr. Puneet Nanda, Executive Director Mr. Madhivanan Balakrishnan, Executive Director VISION OF THE COMPANY To be the dominant Life, Health and Pensions player built on trust by world-class people and service. This we hope to achieve by:
y y y
Understanding the needs of customers and offering them superior products and service Leveraging technology to service customers quickly, efficiently and conveniently Developing and implementing superior risk management and investment strategies to offer sustainable and stable returns to our policyholders Providing an enabling environment to foster growth and learning for our employees And above all, building transparency in all our dealings
y y
The success of the company will be founded in its unflinching commitment to 5 core values -Integrity, Customer First, Boundaryless, Ownership and Passion. Each of the values describe what the company stands for, the qualities of our people and the way we work. We do believe that we are on the threshold of an exciting new opportunity, where we can play a significant role in redefining and reshaping the sector. Given the quality of our parentage and the commitment of our team, there are no limits to our growth. MISSION We will leverage our people, technology, speed and financial capital to:
y y y y y y y
be the banker of first choice for our customers by delivering high quality, world-class products and services. expand the frontiers of our business globally. play a proactive role in the full realisation of India¶s potential. maintain a healthy financial profile and diversify our earnings across businesses and geographies. maintain high standards of governance and ethics. contribute positively to the various countries and markets in which we operate. create value for our stakeholders.
http://www.irda.gov.in/ADMINCMS/cms/frmGeneral_Layout.aspx?page=PageNo585&flag=1&m id=Products%20offered%20%3E%3E%20Life%20Insurers 11/08/2011
Products of ICICI Pru Life from its origin
Financial Name of the Product Year
Remarks, if any, by IRDA
2000-01 ICICIPru Forever Life -Regular Premium Deferred Pension 2002-03 ICICIPru Forever Life -Regular Premium 2000-01 ICICIPru Forever Life -Single Premium Deferred Pension ICICIPru Single Premium Bond - Single Premium Endowment Bond with Guaranteed Additions 2000-01 Save "n' Protect 2002-03 Save "n' Protect ICICIPru Cashbak -Anticipated Endowment Assurance with 2000-01 Deferred Participation in profits 2000-01 Withdrawn Withdrawn
2002-03 ICICIPru Cashbak ICICIPru Life Guard -Level Term Assurance with Return of 2000-01 Premiums 2004-05 ICICIPru Life Guard -Level Term Assurance with Return of Premiums
2000-01 ICICIPru Life Guard -Single Premium Level Term Assurance 2004-05 ICICIPru Life Guard -Single Premium Level Term Assurance 2001-02 2001-02 2006-07 2008-09 2008-09 2009-10 2001-02 2003-04 2001-02 2003-04 2001-02 2001-02 2002-03 2002-03 2002-03 2002-03 2002-03 2004-05 2002-03 2002-03 2003-04 2002-03 2002-03 ICICI Pru Salaam Zindagi LifeTime Immediate Pension ICICI Pru Immediate Annuity ICICI Pru Immediate Annuity ICICI Pru Immediate Annuity ICICI Pru Immediate Annuity ICICIPru-ReAssure ICICIPru-ReAssure ICICIPRu-Assure Invest ICICIPRu-Assure Invest ICICI Pru Life Link ICICI-Pru Life Time ICICI-Pru Smart Kid ICICI-Pru Smart Kid ICICI-Pru Life Time Pension ICICI-Pru Life Link Pension LifeGuard Level Term Assurance LifeGuard Level Term Assurance Easy Life ICICI Pru Group Term Insurance ICICI Pru Group Term Insurance ICICI Pru Suraksha - Single Premium ICICI Pru Suraksha - Regular Premium
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2002-03 ICICIPru Mitr - Regular Premium Without Profit Endowment Plan 2002-03 2006-07 2010-11 2003-04 2006-07 2003-04 ICICI Pru Group Gratuity ICICI Pru Group Gratuity ICICI Pru Group Gratuity ICICI Pru Group Superannuation Plan ICICI Pru Group Superannuation ICICI Pru Secure Plus Withdrawn
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2003-04 2003-04 2003-04 2003-04 2003-04 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2004-05 2005-06 2005-06 2006-07 2010-11 2005-06 2006-07 2006-08 2005-06 2005-06 2006-07 2005-06 2006-07 2005-06 2005-06 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07
ICICI Pru Cash Plus ICICI Pru Secure Plus Pension ICICI Pru Smart Kid - Unit Linked(RP) ICICI Pru Smart Kid - Unit Linked(SP) ICICI Pru Group Term Insurance with Profit Sharing ICICI Pru LifeTime II ICICI Pru LifeTime Pension-II ICICI Pru LifeLink II ICICI Pru LifeLink Pension II ICICI Pru Smart Kid (SP) II ICICI Pru Smart Kid (RP) II ICICI Pru Premier Life Suraksha Kavach ICICI Pru Group Leave Encashment Plan ICICI Pru Invest Shield Gold ICICI Pru Invest Shield Cash ICICI Pru Invest Shield Life ICICI Pru Invest Shield Pension ICICI Pru Home Assure ICICI Pru Group Gratuity Plus ICICI Pru Group Gratuity Plus ICICI Pru Group Gratuity Plus ICICI Pru Group Gratuity Platinum ICICI Pru Group Gratuity Platinum ICICI Pru Group Gratuity Platinum ICICI Pru Golden Years ICICI Pru Group Superannuation plus ICICI Pru Group Superannuation plus ICICI Pru Group Superannuation Platinum ICICI Pru Group Superannuation Platinum Health Assure Health Assure Plus Cancer Care Life Link Super Life Time Plus Lifetime Super Pension Lifetime Super Life Link Super Pension Smartkid New UL RP
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2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2006-07 2007-08 2007-08 2007-08 2007-08 2007-08 2007-08 2007-08 2007-08 2007-08 2010-11 2007-08 2010-11 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2008-09 2009-10 2009-10 2009-10
Smartkid New Unit Linked Single Premium Cashplus Premier Life Gold Investsheild Cashbak Investsheild Life - New Diabetes Care (Critical Illness Insurance) Diabetes Care Plus (Critical Illness + Life Insurance) ICICI Pru Credit Assure Cancer Care Plus Hospital Care ICICI Pru New Group Superannuation ICICI Pru New Group Superannuation Plus ICICI Pru New Group Superannuation Platinum Crisis Cover LifeStage RP Premier Life Pension LifeStage Pension Diabetes Assure ICICI Pru LifeTime Gold Diabetes Care Active Diabetes Care Active ICICI Pru Group leave Encashment ICICI Pru Group leave Encashment ICICI Pru Group leave Encashment Plus ICICI Pru Group leave Encashment Plus ICICI Pru Sarv Jana Suraksha ICICI Pru Life MediAssure ICICI Pru Life Stage Assure ICICI Pru Pure Protect ICICI Pru Wealth Advantage ICICI Pru Anmol Nivesh ICICI Pru Health Saver ICICI Pru SecureSave ICICI Pru Group Superannuation Suraksha ICICI Pru Group Gratuity Suraksha ICICI Pru Group Leave Encashment Suraksha ICICI Pru Life Stage Assure Pension ICICI Pru Assure Life ICICI Pru Elite Pension
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2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2009-10 2010-11 2000-01 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11 2010-11
ICICI Pru Pinnacle ICICI Pru Life Time Maxima ICICI Pru premier Wealth ICICI Pru Assure Wealth ICICI Pru Elite pension II ICICI Pru Life Stage Pension Advantage ICICI Pru Life Time pension Maxima ICICI Pru Assure Pension ICICI Pru Life Stage Wealth ICICI Pru Smart Kid Maxima ICICI Pru Ace ICICI Pru Smart Kid Assure ICICI Pru Structured Annuity ICICI Pru Hospital Care II ICICI Pru Save 'n' Protect - Single Premium ICICI Pru iProtect ICICI Pru Guaranteed Savings insurance Plan ICICI pru Whole Life ICICI Pru Future Secure ICICI Pru Group Term Plan ICICI Pru LifeLink Wealth SP ICICI Pru Life Time Premier ICICI Life Link Pension SP ICICI Pinnacle II ICICI Pru Life Stage Wealth II ICICI Pru Smart Kid Premier ICICI Pru Pinnacle Super
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Financial Name of the Rider Year 2000-01 2000-01 2000-01 2000-01 2000-01 2002-03 2002-03 2002-03 Accident and Disability Benefit Rider Critical Illness Benefit Rider (Accelarated) Critical Illness Rider (Standalone) Major Surgical Assistance Rider Level Term Insurance Rider Accidental Death and Disability Benefit Rider Single Premium Accident and Disability Rider Single Premium Term Rider
Remarks, if any, by IRDA
2002-03 Income Benefit Rider 2002-03 Accident and Disability Benefit Rider With Group Term Assurance Critical Illness Rider (Additional Benefit) With Group Term Assurance 2002-03 Accident Benefit Rider 2003-04 Accident Benefit Rider with Group Term Assurance 2002-03 2003-04 Critical Illness Rider (Accelerated) With Group Term Assurance 2003-04 2003-04 2006-07 2006-07 2006-07 2006-07 2006-07 2007-08 2007-08 2010-11 Critical Illness Benefit Rider (Accelerated) (with ICICI Pru Secure Plus, Cash Plus, Secure Plus Pension) Waiver of Premium Rider Critical Illness Rider Accident Death and Disability Benefit Rider Waiver of Premium Rider Income Benefit Rider Diabetes Enhanced Benefit Rider Death Benefit Rider Diabetes Enhanced Benefit Rider ICICI Pru Waiver of Premium on Critical Illness Rider
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