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ICICI Pru Savings Suraksha grows your wealth with the promise of protecting your money. This is done through two guaranteed features in the plan called Guaranteed Additions (GA1) and Guaranteed Maturity Benefit (GMB2). At the end of the policy term, you receive a sum that includes Guaranteed Maturity Benefit (GMB2), Guaranteed Additions (GA1) and additional bonuses declared by the company, if any.
Guaranteed Additions (GA1) are equal to 5% of Guaranteed Maturity Benefits (GMB2). These benefits will be added each year for the first five policy years, if all premiums due till that year are paid.
Guaranteed Maturity Benefit (GMB2) is the guaranteed lump sum payable at the end of the policy term.
ICICI Pru Savings Suraksha provides you and your family an all-round protection. In case of an unfortunate event during the policy term, your family receives a lump sum amount. This amount ensures that even in your absence, your loved ones can live the life you planned for them.
Your family will receive the higher of:
Sum Assured on death, plus accrued Guaranteed Additions and Bonuses*
Guaranteed Maturity Benefit, plus accrued Guaranteed Additions and Bonuses*
Minimum Death Benefit
With this plan, you can reduce your taxable income by investing up to ₹1.5 lakh under Section 80C of the Income Tax Act, 1961. This will help you save tax. The money received on maturity or death of policyholder is also completely tax-free*.
*Tax benefits under the policy are subject to conditions under Section 80C, 10(10D) and other provisions of the Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time.
The dreams and goals of your loved ones always come first for you. Providing quality education to your children and financial security to your spouse are some of your non-negotiable life goals. To fulfil these goals, you would want to grow your wealth further. We present ICICI Pru Savings Suraksha, a plan that preserves your wealth and helps you secure the dreams of your loved ones with guaranteed benefits.
The plan allows you to choose the number of years for which you wish to pay premiums. You can opt for either the Five Pay option (payment of premiums for 5 years), Seven Pay option (payment of premiums for 7 years), Ten Pay option (payment of premiums for 10 years), Twelve Pay option (payment of premiums for 12 years) or the Regular Pay option (regular payment of premiums throughout the policy term).
You need to pay a minimum of ₹ 12,000 per year.
Yes, you can choose to pay your premiums yearly, half-yearly or monthly.
The policy term can continue from 10 to 30 years*.
There is no minimum age to start this plan. However, the maximum age should not be more than 60 years.
Your minimum age at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.
You need to pay a minimum of ₹ 12,000 per year.
Yes, you can choose to pay your premiums yearly, half-yearly or monthly.
The policy can continue from 17 to 30 years*.
There is no minimum age to start this plan. However, the maximum age should not be more than 60 years.
Your minimum age at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.
You need to pay a minimum of ₹ 12,000 per year.
Yes, you can choose to pay your premiums yearly, half-yearly or monthly.
The policy can continue from 15 to 30 years*.
There is no minimum age to start this plan. However, the maximum age should not be more than 60 years.
Your minimum age at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.
You need to pay a minimum of ₹ 18,000 per year.
Yes, you can choose to pay your premiums yearly, half-yearly or monthly.
The policy can continue from 12 to 30 years*.
There is no minimum age to start this plan. However, the maximum age should not be more than 60 years.
Your minimum age at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.
You need to pay a minimum of ₹ 30,000 per year.
Yes, you can choose to pay your premiums yearly, half-yearly or monthly.
The policy can continue from 10 to 30 years*.
There is no minimum age to start this plan. However, the maximum age should not be more than 60 years.
Your minimum age at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.