Life insuranceis the ultimate promise of protection that you can give to your loved ones.
It provides a tax-free payout to your beneficiaries in case of your death so that your family is financially protected in your absence.
our award winning' term plan ICICI Pru iProtect Smart
Option to change nominee later. Save tax up to ₹54,600`
Married without kids
Full claim payout on diagnosis of 34 critical illnesses^. You can choose how your family will get the life cover amount - as lump sum and/or monthly income
Married with kid
Full claim payout on diagnosis of 34 critical illnesses^. Option to increase life cover at the time of 1st & 2nd child birth, without any medicals
ICICI Pru iProtect Smart:
^Critical Illness Benefit is optional and available under Life and Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. The CI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the CI Benefit paid. The future premiums payable under the policy will reduce proportionately. If CI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. To know more in detail about CI Benefit, terms & conditions governing it, kindly refer to sales brochure. Critical Illness benefit is available till age of 75.
'ICICI Pru iProtect Smart won Product of the Year award in 2019 in life insurance category in a survey of over 2800 people by Nielsen across categories
^^Available only under Life Plus and All in One option. Maximum amount that can be availed is `2 Crore and will be paid as a lump sum.
++ A lump sum is paid out on diagnosis of any of the listed conditions. This payout is based on the level of the condition. In any case, the total payout in the policy cannot exceed 100% of the Sum Assured of the cover selected. Please refer to the sales brochure to know about the payouts at different level of condition
`Tax benefits under the respective policies are subject to conditions under Section 80C, 80D, 10(10D) and provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time.
+ The Policyholder can have funds in only one of the Portfolio Strategies.
# Excluding taxes and Top-up Premium Allocation Charges.
UIN details: ICICI Pru iProtect Smart - 105N151V04. ICICI Pru Heart Cancer Protect - 105N154V01. ICICI Pru SmartLife - 105L145V03. ICICI Pru LifeTime Classic - 105L155V02.
1The company will allocate extra units to your ULIP policy provided all due premiums have been paid. To know more in detail, kindly refer to sales brochure of the respective products.
2Tax benefits under the policy are subject to conditions under Section 80C, 10(10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any will be charged extra by the redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time.
*Claim statistics are for FY 2018-19 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to Public Disclosures in our Website. W/II/3484/2018-19.
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