Term plan with a range of options that you can select as per your budget.
- Get life cover to protect your loved ones at affordable rates
- Get cash payout up to ₹ 1 crore on first diagnosis of 34 critical illnesses (optional)*
- Accidental death benefit up to ₹ 2 crore (optional)**
- Tax benefits^ up to ₹ 54,600 under Section 80C and 80D of the Income Tax Act
- Get covered till the age of 99 years and flexibility to pay for limited term
Ensure your family’s financial security even in your absence with a Life Cover while enjoying tax benefits.
- Cover for individuals with existing health problems
- Choose to receive the benefit amount as a lump sum or as monthly income or a combination of both
- Option to enhance safety net with Accidental Death Benefit**
- Life cover at affordable premiums
- Option to choose additional accidental death benefit
- Tax benefits^
Ensure your family’s financial security even in your absence with a Life Cover while enjoying tax benefits.
- Security of your loved ones’ future even in your absence
- Tax benefits^
Get complete protection from Heart ailments and Cancer for you and your spouse.
- 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
- Financial protection for your loved ones with life insurance cover
- Return of mortality and policy administration charges1
- Enjoy policy benefits till 99 years of age with Whole Life policy term option
- Withdraw money regularly from your policy with SWP2
- Financial protection for your loved ones with life insurance cover
- Return of Total Premium Allocation Charges more than once*
- Value Benefit to reward higher premiums^
- Enjoy policy benefits till 99 years of age with Whole Life policy term option
- Systematic withdrawal plan to withdraw money regularly from your policy~
- 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
- Tax benefits^ on premiums paid and maturity benefit under Sec 80C and Sec 10(10D) of IT Act, 1961
- Life cover to protect your loved ones
- Various choice of funds to invest and grow your money (equity, debt or balanced funds)
- Choice of 4 portfolio strategies*
- Get Loyalty Additions & Wealth Boosters** by just staying invested in the plan
- Get tax benefits^ under Section 80C of Income Tax Act 1961, up to ₹ 46,800
- No risk to capital: 101% Money back guarantee*
- Life cover to protect your loved ones
- Loyalty Additions and Wealth Boosters** for staying invested for the policy term
- Fund expenses at key educational milestones of your child through partial withdrawals any time after completion of 5 policy years.
- Choice of lump sum pay-out and waiver of premium*
- Rewards of Wealth Boosters and Loyalty Additions** for long term investments.
- Security of your loved ones in your absence.
A plan that offers regular additional income for celebrating life and making all those precious moments, a little extra special.
- Your family gets financial protection through life cover
- Guaranteed cash benefits*
- You get Bonus, if any, for staying invested**
- Tax benefits^ on premium paid and benefits received
Offer your savings the opportunity to grow while enjoying the benefits of guaranteed returns.
- Life cover to protect your loved ones
- Guaranteed Maturity Benefit and Guaranteed Additions *
- Get Reversionary and Terminal Bonus, if any, over and above the maturity benefits of the policy**
- Tax benefits^ on premiums paid and benefits received as per Income Tax Act 1961
Get dual assurances of guaranteed benefits and life cover, while complementing your investment corpus with bonuses that offer potentially higher return.
- Guaranteed Additions and Guaranteed Maturity Benefit by staying invested*
- Security of your loved ones with potential for wealth creation and Life Cover
- Get Reversionary and Terminal Bonus, if any, on maturity of the plan**
- Get tax benefits^ under Section 80C and 10(10D) of Income Tax Act 1961
- Get lump sum on maturity along with protection throughout the policy term
- Increase your savings with applicable 4S Guaranteed Value Benefits2
- Get Regular Additions3 added to your corpus throughout the policy term
- Tax benefits1 may be applicable on premiums paid and benefits received as per prevailing tax laws
- Build your retirement corpus as per your risk appetite
- Your capital is protected from market downturns through Assured Benefit*
- Option to increase your investment through Top-Ups**
- Get rewarded with Pension Boosters^
- 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
- 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
- Build your retirement corpus as per your risk appetite
- Protect your savings from market downturns through an Assured Benefit*
- Pay premium only once and get regular pension post retirement
- Get rewarded with Pension Boosters^
- Protection against loan liability for your loved ones
- Premium payment as per your comfort
- Option of Accident and Disability cover* for extra protection
A plan that ensures financial security of your employees or members’ loved ones with a Life Cover.
- Life Cover at an affordable cost
- Tax benefits^
Help your employees lead an independent post-retirement life with this plan, which offers regular income for life.
- Meet annuity requirements
- Employees receive regular income for life
- Multiple pay-out options available
- A comprehensive plan which offers multiple options to cover death and terminal illness, accidental death**, critical illness* and disability
- Flexibility to choose between various reducing cover options. Moratorium periods of 3 and 7 years are available
- Flexibility to choose coverage term up to a maximum of 30 years
- Protection at an affordable cost
- Security of your loved ones’ future even in your absence
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Disclaimer
ICICI Pru iProtect Smart
*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.
**Accidental Death benefit(optional) is up to Rs. 2 Crores(Subjected to Underwriting guidelines). ADB is available in Life Plus and All in One options. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit will be equal to the policy term or (80-Age at entry), whichever is lower.
^Tax benefit of `54,600 (`46,800 u/s 80C & `7,800 u/s 80D) 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 and health premium u/s 80D of `25,000. 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 Pru iProtect Smart UIN 105N151V06.
ICICI Pru Saral Jeevan Bima
1Life Cover is the benefit payable on death of the life assured.
2Statutory Taxes, if any, imposed on such insurance plans by the Government of India or any other constitutional tax Authority of India shall be as per the Tax laws and the rate of tax as applicable from time to time. The amount of applicable taxes as per the prevailing rates, shall be payable by You on premiums (for base policy and rider, if any) including extra amount if charged under the policy due to underwriting decisions, which shall be collected separately over and above in addition to the premiums payable by the policyholder. The amount of tax paid shall not be considered for the calculation of benefits payable under the plan. Tax benefits, if any, would may be as per the prevailing provisions of the tax laws in India. The Policyholder or the nominee shall be liable for compliance of applicable tax provisions. ICICI Pru Saral Jeevan Bima UIN 105N183V01.
ICICI Pru iCare II
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru iCare II UIN 105N140V03
ICICI Pru Precious Life
*Subject to the age boundaries and Company’s underwriting policy.
**Accidental Death Benefit (ADB) is available in Life Plus option. In case of death due to an accident ADB will be paid out in addition to Death Benefit. To know more about definitions, terms & conditions applicable for Accidental Death Benefit, kindly refer sales brochure of ICICI Pru Precious Life. ICICI Pru Precious Life UIN : 105N178V01.
ICICI Pru Life Raksha
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru Life Raksha UIN 105N149V02
ICICI Pru POS iProtect Smart
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time.
*Accidental Death Benefit (ADB) is available in Life Plus option. In case of death due to an accident ADB will be paid out in addition to Death Benefit. To know more about definitions, terms & conditions applicable for Accidental Death Benefit, kindly refer sales brochure of ICICI Pru POS iProtect Smart. ICICI Pru POS iProtect Smart UIN 105N173V03
ICICI Pru POS Life Raksha
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru POS Life Raksha UIN 105N174V02
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, 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 Pru Heart Cancer Protect UIN 105N154V03
ICICI Pru Signature Online
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. UIN: 105L177V03
ICICI Pru Signature
* The total of Premium Allocation Charges (excluding Top-up premium allocation charges) deducted in the policy net of taxes will be added back to the Fund Value at the end of 10th policy year. The same amount will be added again at the end of every 5th policy year thereafter.
Value Benefit is 5% of the annual premium and will be added to the fund value as extra units on receipt of 2nd year’s premium for Premier Plan and on receipt of 2nd year and 6th year’s premiums for Exclusive Plan. For non-annual modes of premium payment, value benefit will be added as and when modal premiums are received for Premier and Exclusive plan option.
| Policy Year | Plan option | |
|---|---|---|
| Premier | Exclusive | |
| 2 | 5% | 5% |
| 6 | - | 5% |
Value Benefit in 6th policy year is not applicable for premium payment term of 5 years.
Value Benefit is not applicable for Single Pay policies and on top-up premiums.
Value Benefit 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.
Systematic Withdrawal Plan is allowed only after the first five policy years, provided the monies are not in the discontinued policy fund. UIN: 105L177V03
ICICI Pru Unit Linked Accidental Death Rider UIN 105A025V01<
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 | 1.25 times Single Premium | 1.25 times Single Premium |
^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.
Nothing herein contained shall operate to destroy or impede the right of any creditor to be paid out of the proceeds of any policy of assurance, which may have been effected with intent to defraud creditors. In case of any third party claim in the Courts of India with regards to the insurance proceeds, the amount shall be subject to the judiciary directions. Please seek professional legal advice for the applicability of this provision. ICICI Pru1 Wealth UIN:105L175V03.
ICICI Pru LifeTime Classic
* The Policyholder can have funds in only one of the Portfolio Strategies.
** The Company will allocate extra units as below provided all due premiums have been paid:
| Premium payment term | Loyalty Additions | Wealth Boosters | |
|---|---|---|---|
| (End of year 6 and 7) | (End of year 8 and onwards) | (End of every 5th year, starting from the end of 10th policy year) | |
| 5 years – 6 years | 0.10% | 0.10% | 1% |
| 7 years – 9 years | 0.15% | 0.30% | 1% |
| 10 years and above | 0.15% | 0.30% | 2% |
| Single Pay | 0.25% | 0.25% | 1.5% |
- For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year
- Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above.
- Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters
- Loyalty Additions and Wealth Boosters 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 Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.
- If the premium payment is discontinued any time after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above.
^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 Pru LifeTime Classic UIN 105L155V06 ICICI Pru Unit Linked Accidental Death Rider UIN 105A025V01
ICICI Pru Guaranteed Wealth Protector
*On Maturity, you will receive higher of Fund Value including Loyalty Additions and Wealth Booster or Assured Benefit. Assured Benefit which will be 101% of the sum of all premiums paid. Assured Benefit is applicable only on maturity of the policy & does not apply on death or surrender.
**Loyalty Additions will be allocated as extra units at the end of every policy year, starting from the end of the sixth policy year, provided monies are not in Discontinued Policy (DP) Fund. 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. Loyalty Additions 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 Loyalty Addition units is guaranteed and shall not be revoked by the Company under any circumstances. Wealth Booster will be allocated as extra units at the end of the tenth policy year. Wealth Booster will be a percentage of the average of Fund on the last business day of the last eight policy quarters (1.50% for One pay and 3.25% for Five pay and Seven Pay). Wealth Booster will be allocated between 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. ICICI Pru Guaranteed Wealth Protector UIN 105L143V02
ICICI Pru SmartLife
*Under this benefit, following the date of death of the life assured, provided all due premiums have been paid, units equivalent to the installment premium will be allocated by the Company on the subsequent premium due dates. This benefit is not applicable for the One Pay option. On death of the Life Assured, the following conditions apply:
- The Fund Value including Top up Fund Value, if any, will remain invested in the respective funds and portfolio strategies as on date of death of the Life Assured.
- Only the Fund Management Charge and Policy Administration Charge will be levied. Units will be allocated as if Premium Allocation Charges are being deducted. Life Insurance Cover will not apply and mortality charges will not be deducted.
- The policy cannot be surrendered. No policy alterations will be allowed. The Nominee will not be eligible for making partial withdrawals, paying top up premiums, performing switches, renewing Automatic Transfer Strategy (ATS), redirecting premium, effecting a change in portfolio strategy, opting for settlement option, increasing or decreasing premium payment term, increasing or decreasing Sum Assured, increasing or decreasing policy term.
**Loyalty Additions are applicable from the 6th policy year onwards in the form of extra units at the end of every policy year. Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values. You get an additional Loyalty Addition of 0.25% every year from the end of year 6 if all premiums for that year have been paid. Wealth Boosters will be allocated as extra units at the end of every 5th policy year starting from the end of the 10th policy year. Each Wealth Booster will be 3.25% for Limited/Regular Pay policies and 1.5% for Single Pay policies of the average of the Fund Values. ICICI Pru SmartLife UIN 105L145V06
ICICI Pru SmartKid Solution with ICICI Pru SmartLife
*Under this benefit, following the date of death of the life assured, provided all due premiums have been paid, units equivalent to the installment premium will be allocated by the Company on the subsequent premium due dates. This benefit is not applicable for the One Pay option. On death of the Life Assured, the following conditions apply:
- The Fund Value including Top up Fund Value, if any, will remain invested in the respective funds and portfolio strategies as on date of death of the Life Assured.
- Only the Fund Management Charge and Policy Administration Charge will be levied. Units will be allocated as if Premium Allocation Charges are being deducted. Life Insurance Cover will not apply and mortality charges will not be deducted.
- The policy cannot be surrendered. No policy alterations will be allowed. The Nominee will not be eligible for making partial withdrawals, paying top up premiums, performing switches, renewing Automatic Transfer Strategy (ATS), redirecting premium, effecting a change in portfolio strategy, opting for settlement option, increasing or decreasing premium payment term, increasing or decreasing Sum Assured, increasing or decreasing policy term.
**Loyalty Additions are applicable from the 6th policy year onwards in the form of extra units at the end of every policy year. Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values. You get an additional Loyalty Addition of 0.25% every year from the end of year 6 if all premiums for that year have been paid. Wealth Boosters will be allocated as extra units at the end of every 5th policy year starting from the end of the 10th policy year. Each Wealth Booster will be 3.25% for Limited/Regular Pay policies and 1.5% for Single Pay policies of the average of the Fund Values. ICICI Pru SmartLife UIN 105L145V06
ICICI Pru Guaranteed Income For Tomorrow
1A guaranteed lump sum or regular income will be payable based on the plan option selected.
2This benefit is available under the Early Income plan option.
3Life insurance cover is the benefit payable on death of the life assured.
4Tax 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 applicable rates. The tax laws are subject to amendments from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru Guaranteed Income For Tomorrow UIN 105N182V02
ICICI Pru Cash Advantage
*Guaranteed Cash Benefit (GCB) is payable in advance during the payout term provided the life assured is alive and the policy is fully paid, payout term begins as soon as the premium payment term is over and terminates at the end of the policy term. GCB can be received in monthly or annual installments. GCB is a percentage of the Guaranteed Maturity Benefit (GMB) and depends on cash benefit mode opted. It is equal to 1% of GMB every month throughout the payout term of 10 years for monthly mode and 11.5% of GMB every year for annual payout mode.
**Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Cash Advantage Form No.: E10, UIN 105N132V02
ICICI Pru Savings Suraksha
*Your Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on policy term, premium, premium payment term, Sum Assured on death and gender. Your GMB may be lower than your Sum Assured on death. Guaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium.
**Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonuses will be applied through the compounding bonus method. All reversionary bonuses will be declared as a proportion of the sum of the GMB and the vested reversionary bonuses, if any. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Savings Suraksha UIN 105N135V02
ICICI Pru Assured Savings Insurance Plan
^Guaranteed Additions (GAs) rate will be 9% for policy term of 10 years and 10% for policy term of 15 years. GAs will be added to the policy at the end of every policy year if all due premiums have been paid. Each GA will be calculated as GA rate multiplied by the total premiums paid till date (excluding extra mortality premiums, Goods & Services Tax and Cess (if any)).
~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 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, 10(10D) , Sec 115BAC and other provisions of the Income Tax Act, 1961. Goods & Services Tax and Cess (if any) will be charged extra by redemption of units, as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. All policies issued from April 1, 2012, with sum assured (cover on death) less than 10 times of annual premium will not be eligible for tax benefit u/s 10(10D). Further tax benefit u/s 80C will be limited only up to 10% of Sum Assured. Please seek professional tax advice for applicability of tax benefits on premiums paid and benefits received. ICICI Pru Assured Savings Insurance Plan UIN:105N144V08
ICICI Pru Future Perfect
*GMB will be set at policy inception and will depend on age, policy term, premium, premium payment term and gender. Your GMB may be lower than your Sum Assured on death. Guaranteed Additions (GAs) is a percentage of annualized premium. For monthly premium frequency, 1/12th times GA will be accrued every month on premium payment. For half yearly premium frequency, 0.5 times GA will be accrued on premium payment.
** Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonuses will be applied through the compounding bonus method. All reversionary bonuses will be declared as a proportion of the sum of the GMB and the accrued reversionary bonuses, if any. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Future Perfect Form No. E21 UIN 105N153V02
ICICI Pru Lakshya Wealth
1Tax benefits under the policy will be as per the prevailing Income Tax laws. Goods and Services tax will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time.
2Guaranteed Value Benefits will be set at policy inception and will depend on age, policy term, premium, premium payment term and gender.
3Bonus may be declared annually from the first year as ‘Regular Additions’ and will be a percentage of the sum total of the ‘Sum Assured on Maturity and the applicable ‘Guaranteed Value Benefits’. ICICI Pru Lakshya Wealth UIN 105N179V01
ICICI Pru Lakshya Lifelong Income
1Tax benefits under the policy will be as per the prevailing Income Tax laws. Goods and Services tax will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. ICICI Pru Lakshya Lifelong Income UIN 105N179V01
ICICI Pru Easy Retirement
*On vesting, i.e. maturity, you will be entitled to the Assured Benefit or Fund Value whichever is higher and is payable provided all due premiums as per the premium payment term shown above are paid. Assured Benefit will be 101% of total premium paid which is applicable only on maturity of the policy and does not apply on death or surrender. Fund Value is the total value of the money that is invested in a fund of your choice.
**You can invest any available money in the form of Top ups in this policy provided all due premiums have been paid. The provision to pay Top ups will be available up to five years prior to your original or postponed vesting date . The minimum amount of Top up is ` 2000.
^On completion of the 10th policy year and on completion of every 5th policy year thereafter, there will be a guaranteed Pension Booster, provided at least five years’ premiums have been paid. This will be equal to 5% of the average daily total Fund Value over the preceding 12 months. The guaranteed Pension Boosters will be allocated between Easy Retirement Balanced Fund and Easy Retirement Secure Fund in the proportion of the values of total units held in each fund at the time of allocation. Pension Boosters will be made by allocation of extra units. Pension boosters shall not be taken back under any circumstances. ICICI Pru Easy Retirement UIN 105L133V03
ICICI Pru Easy Retirement Single Premium
^On completion of the 10th policy year and on completion of every 5th policy year thereafter, there will be a guaranteed Pension Booster, provided at least five years’ premiums have been paid. This will be equal to 5% of the average daily total Fund Value over the preceding 12 months. The guaranteed Pension Boosters will be allocated between Easy Retirement Balanced Fund and Easy Retirement Secure Fund in the proportion of the values of total units held in each fund at the time of allocation. Pension Boosters will be made by allocation of extra units. Pension boosters shall not be taken back under any circumstances.
* On vesting, i.e. maturity, you will be entitled to the Assured Benefit or Fund Value whichever is higher and is payable provided all due premiums as per the premium payment term shown above are paid. Assured Benefit will be 101% of total premium paid which is applicable only on maturity of the policy and does not apply on death or surrender. Fund Value is the total value of the money that is invested in a fund of your choice. ICICI Pru Easy Retirement Single Premium UIN - 105L138V03
ICICI Pru Guaranteed Pension Plan
1There are 3 Annuity options available where you can get back your premium while you are alive, after attaining a certain age. To know more in details, please refer the product brochure.
*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.105N181V02
ICICI Pru Saral Pension Plan
1Under Joint Life option the Secondary Annuitant shall be the Spouse of the Primary Annuitant.
2The 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.
3Please refer the product brochure for more details.
4Tax 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 Saral Pension Plan UIN.105N184V01
ICICI Pru Corona Protect Rider
# Death due to reasons other COVID-19 will also be covered here. For more details on exclusions under this, please refer to the brochure.
* Hospitalization admission in a Hospital for a minimum period of seventy two (72) consecutive 'In-patient care’ hours for the treatment of COVID-19. Please refer to the terms and conditions for detailed definition of Hospital.
^ Tax benefits may be applicable on premium paid and benefits received as per the prevailing tax laws. ICICI Pru Corona Protect Rider - 105B040V01.
ICICI Pru Corona Protect Plus Rider
# Death due to reasons other COVID-19 will also be covered here. For more details on exclusions under this, please refer to the brochure.
* Hospitalization admission in a Hospital for a minimum period of seventy-two (72) consecutive hours for the treatment of COVID-19. Please refer to the terms and conditions for detailed definition of Hospital
^ Tax benefits may be applicable on premium paid and benefits received as per the prevailing tax laws. ICICI Pru Corona Protect Plus Rider - 105A041V01
ICICI Pru Group Plans
^Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (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 Pru Loan Protect 105N142V02, ICICI Pru Loan Protect Plus 105N150V03, ICICI Pru Group Term Plus 105N119V06, ICICI Pru Group Loan Secure 105N152V03, ICICI Pru Group Insurance Scheme for Pradhan Mantri Jeevan Jyoti Bima Yojana 105G146V01. ICICI Pru Shubh Raksha Credit 105N159V01. ICICI Pru Shubh Raksha One 105N158V02. ICICI Pru Shubh Raksha Life 105N160V02 ICICI Pru Super Protect - Credit 105N176V01 ICICI Pru Super Protect Life 105N180V01. ICICI Pru Group Unit Linked Superannuation - 105L136V02. ICICI Pru Group Unit Linked Employee Benefit Plan - 105L137V02. ICICI Pru Group Suraksha Plus - 105N147V02. ICICI Pru Group Suraksha Plus Superannuation - 105N148V02.
ICICI Pru Loan Protect Plus
*AD Benefit is equal to Death Benefit. If this benefit is selected, in case of death of the Life Assured due to accident, AD Benefit will be payable in addition to Death Benefit. To know more about definitions, term
ICICI Pru Group Loan Secure
**AD Benefit is equal to Death Benefit. If this benefit is selected, in case of death of the member due to accident, AD Benefit will be payable in addition to Death Benefit. On payment of this benefit, member’s risk cover will cease.
*The critical illness benefit is an accelerated benefit & the death benefit will be reduced by the critical illness cover paid to the policyholder. ICICI Pru Group Loan Secure 105N152V03
ICICI Pru Rural Plans
^Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (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 Pru Sarv Jan Suraksha 105N081V04, ICICI Pru Anmol Bachat 105N139V03
Unit Linked products are different from traditional insurance products and are subject to the risk factors.
The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/ her decisions. ICICI Prudential Life Insurance is only the name of the Life Insurance Company and the unit linked insurance products and does not in any way indicate the quality of the products, its future prospects and returns.
Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the Insurance company.
The various funds offered under this products are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
W/II/3772/2021-22