BUY LIFE INSURANCE ONLINE!

TOP SELLING ONLINE PLANS

ULIP PLANS

ENDOWMENT PLANS

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PROTECTION + HEALTH

Product features
  • Protect your loved ones with a large cover at affordable rates
  • Health cover against 34 critical illnesses (optional)#
  • Accidental death benefit up to `2 crore (optional)**
  • Whole life insurance: Lasts till 99 years of age##
  • Save up to 65% on premiums with the limited pay option^
  • Tax benefit^^ up to `54,600
Product features
  • Provides financial protection for your loved ones with a life insurance cover
  • Return of mortality and policy administration charges1
  • Get tax ^ benefit on the premiums paid u/s 80C and receive maturity amount tax-free^ subject to Section10(10D)
  • Withdraw money regularly from your policy with Systematic Withdrawal Plan (SWP)2
  • Entire premium amount without any deductions is invested in the funds of your choice
  • Enjoy policy benefits till 99 years of age with the whole life policy term option
  • With the Fixed Portfolio Strategy make unlimited free switches between the funds
Product features
  • Get Guaranteed Benefits^^ in the form of Lump Sum or Regular Income
  • Option to avail Benefits from 2nd year onwards**
  • Get Income on a special date with Save the Date feature##
  • Enjoy Tax Benefits under Section 80C and 10(10D)*
  • Secure your family financially with Life Cover
Product features
  • Get the claim amount on diagnosis*
  • No restrictions on your choice of hospital
  • Waiver of future premiums** for minor conditions of cancer or heart for full policy term
  • Get tax^ benefits up to `7,800 under Section 80D of the Income Tax Act
  • Get an Instant Premium Payment Receipt^^
  • Get covered up to 40 years without any increase in premium amount$

In unit linked plans, the investment risk in the investment portfolio is borne by the policyholder.

Product features
  • Provides financial protection for your loved ones with a life insurance cover
  • Return of mortality and policy administration charges1
  • Get tax ^ benefit on the premiums paid u/s 80C and receive maturity amount tax-free^ subject to Section10(10D)
  • Withdraw money regularly from your policy with Systematic Withdrawal Plan (SWP)2
  • Entire premium amount without any deductions is invested in the funds of your choice
  • Enjoy policy benefits till 99 years of age with the whole life policy term option
  • With the Fixed Portfolio Strategy make unlimited free switches between the funds
Product features
  • Premium starts at ₹ 50,000/-
  • Invest only once and enjoy benefits for entire policy term
  • 100% amount invested in wide range of funds
  • Choice of 7 funds (3 equity, 3 debt, 1 balanced)
  • Up to 10 times life cover* to protect your loved ones
  • Get Wealth Boosters** as a percentage of your single premium
  • Tax benefits^ on premiums paid and maturity benefit under Sec 80C and Sec 10(10D) of IT Act, 1961
Product features
  • Get Guaranteed Benefits^^ in the form of Lump Sum or Regular Income. ^^ T&C
  • Option to avail Benefits from 2nd year onwards**
  • Get Income on a special date with Save the Date feature##
  • Enjoy Tax Benefits under Section 80C and 10(10D)*
  • Secure your family financially with Life Cover
Product features
  • Get Guaranteed Maturity Benefit~ at the end of the policy term, irrespective of market interest rates. ~ T&C
  • Enjoy Tax Benefits under Section 80C and 10(10D)*
  • Get Life Cover for the entire policy term to secure your family financially
Product features
  • Single premium plan to get guaranteed income for life with the option to defer income by upto 10 years
  • Lock in the current interest rates for the annuity to be received later
  • Annuity plan can cover either single or joint life*
  • Flexible payout options to suit your need#
  • Tax benefits^ on premium paid u/s 80CCC of Income Tax Act, 1961
Product features
  • Single premium plan to get guaranteed income immediately for the rest of your life
  • Annuity plan can cover either single or joint life*
  • Flexible payout options to suit your need#
  • Tax benefits^ on premium paid u/s 80CCC of Income Tax Act, 1961
  • Purchase annuities from your savings or accumulated NPS corpus
Product features
  • Get tax-free^ benefits for your retirement as a lump sum or regular income
  • Enjoy Tax Benefits under Section 80C and 10(10D)^
  • Get periodic wealth boosters# equal to 3.25% for staying invested in the plan
  • Secure your family’s future with life cover up to 99 years of age
  • Enjoy Zero Premium Allocation Charges and return of charges at maturity+
Product features
  • Pay just once and get a guaranteed lifelong income
  • Continue pension for spouse after you with the Joint Life1 option
  • Purchase Price is returned back to your nominee2
  • Option to avail a loan against your policy3
Product features
  • Protect your loved ones with a large cover at affordable rates
  • Health cover against 34 critical illnesses (optional)#
  • Accidental death benefit up to `2 crore (optional)**
  • Whole life insurance: Lasts till 99 years of age##
  • Save up to 65% on premiums with the limited pay option^
  • Tax benefit^^ up to `54,600
Product features
  • Get the claim amount on diagnosis*
  • No restrictions on your choice of hospital
  • Waiver of future premiums** for minor conditions of cancer or heart for full policy term
  • Get tax^ benefits up to `7,800 under Section 80D of the Income Tax Act
  • Get an Instant Premium Payment Receipt^^
  • Get covered up to 40 years without any increase in premium amount$

Life insurance is a simple way to make sure that your loved ones receive the required security and protection in your absence. It helps you in creating a large pool of funds that can be used by your loved ones for children’s education, marriage, purchasing a house, or any other milestone in life. It also provides your spouse or parents with the means to live their life as they desire.

A life insurance plan is a necessary tool and it can be bought online in a matter of a few minutes.

Why should you buy life insurance online?

  • Life insurance provides your family with financial security in case of an unfortunate event. When you are not around to take care of your family members yourself, the sum assured from a life insurance plan can substitute your income and give your family the funds to lead their lives with dignity
  • The payout from a life insurance can help your children cover the costs of higher education, marriage expenses, and many other needs, such as starting a business, purchasing a house, car, and more
  • Life insurance offers you financial security after retirement. Guaranteed savings plans, Unit Linked Insurance Plans, annuity plans, or endowment plans can let you save periodically to ensure a steady source of monthly income after you retire
  • Thanks to the accelerated critical illness# benefit option, you can get better hospitalisation facilities if you fall sick. This benefit can be added to a life insurance plan to ensure that you get the best of treatment even when you are low on income. You can claim instant payouts on the diagnosis of an illness
  • Life insurance can help you cater to financial emergency needs, such as an illness, home renovation, and more. In addition to this, the payouts from a life insurance policy can also be used to cover changing lifestyle requirements

Benefits of buying life insurance online

  • Compare plans easily:

    When you buy life insurance online, you can easily compare different life insurance plans and pick the one that is most suited to your needs and requirements. It takes just a couple of minutes to compare different types of plans and to eliminate the need to consult with several insurance agents in person

  • Transparency:

    The process to buy life insurance online is very systematic and safe. You can be sure that the documents and proofs you upload on the website along with your application form are directly submitted to the insurance company with no chances of misuse or breach of trust

  • Sum assured:

    Insurance company websites have detailed information on the life insurance plan you want to buy. Right from the policy brochure to highlighting the benefits of a certain plan or reading customer feedback, you can find everything online. This gives you a clear idea about the life insurance plans you choose, the premiums to be paid, and the sum assured amount you or your loved ones will get in the event of a claim. There are no uncertainties and everything is presented to you in a clear and concise manner

  • Claim Settlement Ratio :

    When you compare plans online, you can also compare the Claim Settlement Ratio of different insurance providers. Analysing the Claim Settlement Ratio helps you gauge the performance of the insurer. The higher the Claim Settlement Ratio, the better are the chances of your claims getting settled. A high Claim Settlement Ratio is a mark of trust and reliability and can be easily found online for comparison

  • 24x7 customer support:

    In case of any doubts or queries about buying a life insurance policy or raising a claim for one, you can contact customer support. Some insurers offer 24x7 customer support services for customers to solve any kind of issue. You can get your queries solved promptly and seek assistance whenever needed

COMP/DOC/Jun/2021/146/6038

Disclaimers

#Top Selling tax saving plan refers to ICICI Prudential Life Insurance plans which are bought by customers through the website with our Zero-Paper-Process. Source: Company BuyOnline data - Dec 2015 till date.

ICICI Pru iProtect Smart
#The critical illness benefit is an optional, accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. The future premiums payable for the residual CI Benefit will reduce proportionately. In case the CI Benefit equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. Only doctor's certificate confirming diagnosis needs to be submitted. On payment of Angioplasty, if the CI Benefit is more than ₹ 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout. To know more about the illnesses covered, please refer to the product brochure. Critical Illness Benefit is only applicable up to age of 75 years.
**Accidental Death benefit is up to ₹ 2 Crore. Accidental Death Benefit is optional and available in Life Plus and All in One options. Accidental Death Benefit is only applicable up to age of 80 years.
&Day 1 is counted from the day of receiving the last document. All due premiums in the policy must have been paid and the policy must have been active for a continuous period of 3 years. Mandatory document to be submitted at Branch Office before 3pm on a working day- Original policy certificate, copy of death certificate by local authority, Nominee’s current address proof, photo identity proof, Cancelled cheque, Copy of bank passbook, Copy of medico legal cause of death, Medical records (Admission notes, Discharge / Death summary, Test reports, etc.). For accidental death – Copy of FIR, Panchanama, Inquest report, Driving license. Claim documents submitted prior to 3pm will be considered for ULIP policies. Interest will be paid on claim amount for every day of delay beyond 1 working day. Applicable only for non-investigative death claims. Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. In case of breach in regulatory turnaround time, interest will be paid as per IRDAI regulations.Total claim amount of all the policies is less than or equal to 1.5 crore.
^^Tax benefits of ₹ 46,800 (₹ 46,800 u/s 80C) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge as per old tax regime)on life insurance premium u/s 80C of ₹ 1,50,000 and health premium u/s 80D of ₹ 25,000. Tax benefits subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good and Service 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. Please consult your tax advisor for details, before acting on above.
^The percentage saving computed is purely in terms of premium paid over the policy term (Difference between Limited and Regular pay) of the policy and does not account for time & other factors that may happen during this period. It is one of the many features that the product offers and you can opt for it based on your individual needs.
~~Our Life insurance policies cover COVID-19 claims under life insurance claims, subject to applicable terms and conditions of policy contract and extant regulatory framework. COVID-19 is not included in Critical Illness benefit covered under IProtect Smart.
##5% discount on premium is applicable only for Regular and Limited pay policies. In case of Single Pay, discount applicable is 2% of Single Premium.
ICICI Pru iProtect Smart UIN 105N151V06.


ICICI Pru Heart Cancer Protect
*Lump sum is paid out on diagnosis of any of the listed conditions. Payout is based on level of condition. Total payout in the policy cannot exceed 100% of Sum Assured of cover selected. Refer to the sales brochure to know about payouts at different level of condition.
**Company shall waive all future premiums on a claim of Minor condition under the chosen cover or on diagnosis of Permanent Disability (PD) of the Life Assured due to Accident. If both Cancer cover and Heart cover are chosen such waiver is allowed on a minor/major condition claim under either Cancer cover or Heart cover; or on the diagnosis of PD. This benefit is available only if Policy is in force as on the date of diagnosis of the condition/at the time of accident.
^Tax benefit of ₹ 7,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on health premium u/s 80D of ₹ 25,000. Tax benefits under the policy are subject to conditions under Section 80D, 80C, 10(10D), 115BAC and other 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. Please consult your tax advisor for details, before acting on above.
$Premiums are guaranteed only for 3 years. They may change after that subject to company experience and IRDA approval.
ICICI Pru Heart Cancer Protect UIN 105N154V03.


ICICI Pru Assured Savings Insurance Plan
~Guaranteed Maturity Benefit (GMB): Your GMB will be set at policy inception and will depend on policy term, premium, premium payment term, age and gender.
*Tax benefits of ₹ 54,600(₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge) on life insurance premium u/s 80C of ₹ 1,50,000 and health premium u/s 80D of ₹ 25,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good and Service 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. Please consult your tax advisor for details, before acting on above.
ICICI Pru Assured Savings Insurance Plan UIN 105N144V08.


ICICI Pru Signature Online
^Tax benefits under the policy are subject to conditions under Section 80C, 10(10D),115BAC and other 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. Please consult your tax advisor for details, before acting on above.
1Amount equal to total of mortality charges and policy administration charges deducted in the policy will be added back to the fund value at maturity, provided all due premiums have been received. This amount will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation. This shall exclude any extra mortality charges and taxes levied on the charges deducted as per prevailing tax laws. Return of Mortality Charges and Policy Administration Charges is not applicable for Whole Life option.
2Systematic Withdrawal Plan is allowed only after the first five policy years.
*Tax benefits of ₹ 54,600(₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge) on life insurance premium u/s 80C of ₹ 1,50,000 and health premium u/s 80D of ₹ 25,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D,10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good and Service 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.
#Wealth Boosters equal to 3.25% of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters will be allocated as extra units to your policy at the end of every 5th policy year starting from the end of 10th policy year till the end of your policy term.
+Amount equal to total of mortality charges and policy administration charges deducted in the policy will be added back to the fund value at maturity, provided all due premiums have been received. This amount will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation. This shall exclude any extra mortality charges and taxes levied on the charges deducted as per prevailing tax laws. Return of Mortality Charges and Policy Administration Charges is not applicable for Whole Life option.
ICICI Pru Signature Online UIN 105L177V02.


ICICI Pru1 Wealth

* Sum Assured multiples in between the minimum and maximum limits are not available

Age at entry last birthday Minimum Sum Assured Maximum Sum Assured
<= 50 years 1.25 times Single Premium 10 times Single Premium
>50 years 1.10 times Single Premium 1.10 times Single Premium

** The company will allocate extra units at the end of the policy term, provided monies are not in the DP fund. Wealth Booster will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation. The allocation of Wealth Booster units is guaranteed and shall not be revoked by the Company under any circumstances.

Policy Term 5 Years 10 Years
Wealth Booster 2.50% of Single Premium 2.75% of Single Premium
For 10 year policy term, wealth booster will be 2.75% of single premium including top up premiums less partial withdrawals if any.

^ Tax benefit of `46,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of `1,50,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other 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. Please consult your tax advisor for details, before acting on above. ICICI Pru1 Wealth UIN:105L175V02


ICICI Pru Guaranteed Pension Plan
*Joint Life can be either the spouse/child/parent or sibling of the Primary Annuitant.

#You have an option to choose from 8 Immediate Annuity and 3 Deferred Annuity options. To know more about the options in detail, please refer the product brochure

^Tax benefits under the policy are subject to conditions under Section 80CCC, 115BAC and other provisions of the Income Tax Act,1961. Good and Service 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. Please consult your tax advisor for details, before acting on above. ICICI Pru Guaranteed Pension Plan UIN.105N181V01


ICICI Pru Saral Pension
1 Under Joint Life option the Secondary Annuitant shall be the Spouse of the Primary Annuitant.

2 The purchase price, i.e., the price with which you bought the plan is returned to your nominee in case of an unfortunate event. Please refer the product brochure for more details

3 Please refer the product brochure for more details. ICICI Pru Saral Pension UIN.105N184V01


ICICI Pru Guaranteed Income For Tomorrow

^^Guaranteed benefits in the form of lump sum will be payable under Lump Sum Plan option. Guaranteed benefits in the form of regular income will be payable under Income Plan option and Early Income Plan option.

**Benefits from 2nd year onwards is available under the Early Income plan option.

##Save the Date: You can choose to receive income on any one date succeeding the due date of first income to coincide with any special date. This option is available only for Income and Early Income options.

*Tax benefits of ₹ 54,600(₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge) on life insurance premium u/s 80C of ₹ 1,50,000 and health premium u/s 80D of ₹ 25,000. Tax benefits under the policy are subject to conditions under Section 80C, 80D,10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good and Service 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. Please consult your tax advisor for details, before acting on above. ICICI Pru Guaranteed Income For Tomorrow UIN 105N182V02.


#Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfillment of the definition of the diagnosed critical illness. The ACI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the ACI Benefit paid. The future premiums payable under the policy will reduce proportionately. If ACI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the ACI Benefit. To know more in detail about ACI Benefit, terms & conditions governing it, kindly refer to sales brochure. ACI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower.

W/II/3826/2021-22