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Plans
- TERM INSURANCE
  ICICI Pru iProtect Smart (Bestseller)^`~Lumpsum Payout
  
  Claims amount paid out in single instalments (lumpsum)
  
  Up to 5%^`⁼ Online Discount (Lifetime)
  
  Affordable High Life Cover^!a to protect your family
  
  Up to 15%² Salaried Discount (For 1^st Year premium)
  
  Tax benefit^{^} on premiums paid and tax-free^{^} claims payout
  
  Optional 34 Critical Illnesses^## rider & Accidental Death Benefit⁹ rider
  
  Brochure
  
  Know More
  
  ICICI Pru iProtect Smart Monthly Income Payout
  
  Claims amount paid in monthly instalments
  
  Up to 5%^`⁼ Online Discount (Lifetime)
  
  Up to 30%^*² discount on premiums for monthly income payout (Lifetime)
  
  Up to 15%² Salaried Discount (For 1^st Year premium)
  
  In-built Terminal Illness Benefit^3A and Permanent Disability Waiver⁵
  
  Optional 34 Critical Illnesses^## rider & Accidental Death Benefit⁹ rider
  
  Brochure
  
  Know More
  
  W/II/1316/2023-24
  
  ICICI Pru iProtect Smart (Term Plan for Women)
  
  Affordable High Life Cover^!a to protect your family
  
  Flat 15%^F Discount for Women on Life Cover (Lifetime)
  
  Up to 5%^`= Online Discount (Lifetime)
  
  Up to 15%² Salaried Discount (For 1st Year premium)
  
  34 Critical Illnesses Cover^## (Optional)
  
  Tax benefit^{^} on premiums paid and tax-free^{^} claims payout
  
  Brochure
  
  Know More
  
  W/II/0354/2024-25
  
  ICICI Pru iProtect Super (New)(No income documents required^I)
  
  Affordable Life cover¹ to protect your family: No Income Documents Required^I
  
  12-month Premium Break^P @ ₹0 extra cost
  
  Terminal Illness Benefit⁶ and 100% Premium Refund³ option @ ₹0 extra cost
  
  Optional Additional Accidental Death⁴ and Disability⁵ rider
  
  On 1^st Year Premium: 5%^! Online Discount & 7%^L Loyalty Discount
  
  Flat 15%^F Lifetime Female Discount
  
  Brochure
  
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- Term Insurance with Returns
  ICICI Pru iProtect Smart – Smart Exit Option(Optional Return)
  
  Affordable High Life Cover^2a to protect your family
  
  Flexibility to exit early^ō and get back total premiums paid^S1
  
  Optional 34 Critical Illnesses^## rider of up to ₹ 1 crore
  
  Optional Accidental Death Benefit⁹ rider of up to ₹ 2 crore
  
  In-built Terminal Illness Benefit⁴ and Permanent Disability Waiver⁵
  
  Tax benefit^{^} on premiums paid and tax-free^{^} claims payout and returns
  
  Special discount² on first year’s premium for salaried customers
  
  Brochure
  
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  ICICI Pru Protect N Gain (New)(Market Linked Return)
  
  Potential to grow your wealth with Market Linked Returns
  
  Life cover¹ up to 125x of Annual Premium⁷
  
  Return of Mortality and premium allocation charges²
  
  Unlimited tax-free^* partial withdrawals⁴ allowed, that too free of cost
  
  Take control of your investments with unlimited free fund switches⁶
  
  Tax benefit^* on premiums paid and tax-free* claims payout and returns
  
  Brochure
  
  Know More
  
  ICICI Pru iProtect Smart Return of Premium(Guaranteed³ Return)
  
  High life cover¹ to protect your family
  
  Guaranteed³ 100% return of premium³ on survival
  
  Tax* benefit on premiums paid u/s 80C
  
  Optional Accidental Death Rider⁴ of up to ₹ 3 crore
  
  Optional Accidental Total and Permanent Disability Rider⁵ of up to ₹ 3 crore
  
  15%^F lower premiums for women (lifetime)
  
  Brochure
  
  Know More
  
  W/II/1208/2024-25
  
  ICICI Pru iProtect Super (New)(No income documents required^I)
  
  Affordable Life cover¹ to protect your family: No Income Documents Required^I
  
  12-month Premium Break^P @ ₹0 extra cost
  
  Terminal Illness Benefit⁶ and 100% Premium Refund³ option @ ₹0 extra cost
  
  Optional Additional Accidental Death⁴ and Disability⁵ rider
  
  On 1^st Year Premium: 5%^! Online Discount & 7%^L Loyalty Discount
  
  Flat 15%^F Lifetime Female Discount
  
  Brochure
  
  Know More
- ULIP (UNIT LINKED INSURANCE PLANS)
  ICICI Pru Signature Assure (New)
  
  Create wealth with market-linked returns
  
  Life cover¹ + premium waiver² + income³ benefit to financially protect your loved ones
  
  Tax^* benefits u/s 80C and 10(10D)
  
  Loyalty additions⁴ of 2.5% of fund value
  
  Access to make withdrawals¹³ from fund
  
  Brochure
  
  Know More
  
  T&C Apply
  
  ICICI Pru Signature (Popular)
  
  Financial protection for your loved ones with life cover
  
  Tax benefits u/s 80C & 10(10D)⁴
  
  Return of mortality and policy administration charges¹
  
  Withdraw money regularly from your policy with SWP³
  
  Brochure
  
  Know More
  
  For offline Signature refer to Offline Signature Brochure
  
  ICICI Pru Protect N Gain(Market Linked Return)
  
  Potential to grow wealth through market linked returns^*
  
  Life cover¹ to secure your loved ones
  
  Systematic withdrawal plan⁴ to withdraw money regularly from your policy
  
  Tax benefits⁶ as per prevailing tax laws
  
  Return of Mortality and Premium allocation charges⁴
  
  Maturity booster⁵ to boost your fund value
  
  Brochure
  
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  ICICI Pru Platinum
  
  Potential to grow wealth through market linked returns
  
  Level of life cover² as per your choice
  
  Systematic withdrawal plan³ to withdraw money regularly from your policy
  
  Tax benefits^* as per prevailing tax laws
  
  Choice of 4 portfolio strategies and wide range of funds⁴
  
  Know More
  
  Brochure
  
  ICICI Pru Signature Pension
  
  Build your retirement corpus through market-linked returns and live a stress-free life after retirement
  
  Tax-free commutation of up to 60% of the vesting benefit¹
  
  Flexibility of Partial Withdrawals²
  
  Choice of 3 portfolio strategies and a wide range of funds³
  
  Low-cost charge structure with return of charges at vesting⁴
  
  Brochure
  
  Know More
  
  ICICI Pru1 Wealth
  
  Invest only once and enjoy benefits for entire policy term
  
  100% amount invested in wide range of funds
  
  Choice of multiple funds
  
  Life cover to protect your loved ones
  
  Tax benefits up to ` 46,800 u/s 80(C) and 10(10D)
  
  Brochure
  
  ICICI Pru LifeTime Classic
  
  Premium starts at `2500/- p.m.
  
  Invest in your choice of equity, debt or balanced funds
  
  Choice of 4 portfolio strategies
  
  Life cover to protect your loved ones
  
  Get rewarded with Loyalty Additions & Wealth Boosters
  
  Tax benefits up to `46,800 u/s 80C and 10(10D)
  
  Brochure
  
  Know More
  
  ICICI Pru Smart Goal Assure
  
  Grow your wealth through market linked returns
  
  Goal Assurance with Future Secure² (i.e. Waiver of Premium)
  
  Financial security for your family in your absence with life cover⁶ and Family Income⁵
  
  Return³ of premium allocation charges and policy administration charges at maturity
  
  Assurance of protecting your investments through Maturity Protect⁴
  
  Choice of 4 portfolio strategies and wide range of funds¹
  
  Tax benefits⁷ as per prevailing tax laws
  
  Brochure
  
  Know More
- ULIP WITH CAPITAL GUARANTEE
  Signature Capital Guarantee II Solution
  
  Market-linked returns¹² + 100% security⁹ of investment
  
  Life Cover⁴ to financially protect your loved ones in your absence
  
  Wealth boosters¹ addition to boost your returns
  
  Tax² benefits u/s 80C and 10(10D)
  
  Brochure
  
  Know More
  
  ICICI Pru Save N Grow
  
  100% Capital guarantee¹ + market-linked returns²
  
  22 diverse fund options across equity, balanced and debt
  
  Protect your loved ones financially with a life cover⁴
  
  Tax³ benefits u/s 80C and 10(10D)
  
  Boost your returns with maturity boosters⁶
  
  Tax³ benefits u/s 80C and 10(10D)
  
  Brochure
- Guaranteed Return Plans
  ICICI Pru GIFT ProGuaranteed Income Plan
  
  Guaranteed Income² to help you achieve your financial goals
  
  Flexibility to choose Percentage of MoneyBack Benefit⁴ and when you want to receive MoneyBack Benefit⁴
  
  Life Insurance Cover¹ for financial security of your family
  
  Brochure
  
  Know More
  
  ²Conditions apply
  
  ICICI Pru Guaranteed Income For TomorrowGuaranteed Lumpsum Plan
  
  Guaranteed benefits¹ in the form of lump sum
  
  Life insurance cover² for financial security of your family
  
  Tax benefits³ may be applicable on premiums paid and benefits received as per prevailing tax laws
  
  Brochure
  
  Know More
- Child Plans
  ICICI Pru Smart Kid Growth
  
  Grow wealth through market-linked returns
  
  Life Cover^/ to financially protect your loved ones in your absence
  
  Build a corpus for your child’s future education expenses
  
  Safeguard your child’s future in case of parent’s sudden demise
  
  Tax^* Benefits u/s 80C & 10(10D)
  
  T&C Apply
  
  ICICI Pru Smart Kid Guarantee
  
  Guaranteed^{^} tax-free^* returns with 103% Moneyback at the end
  
  Policy continues^` in the parent’s absence
  
  Premiums are waived^` off on parent’s critical illness
  
  Flexibility to choose income period^$ of your choice
  
  T&C Apply
- RETIREMENT AND PENSION PLANS
  ICICI Pru Signature Pension (New)(Market Linked Return)
  
  Build your retirement corpus through market-linked returns and live a stress-free life after retirement
  
  Tax-free commutation of up to 60% of the vesting benefit¹
  
  Flexibility of Partial Withdrawals²
  
  Choice of 3 portfolio strategies and a wide range of funds³
  
  Low-cost charge structure with return of charges at vesting⁴
  
  Brochure
  
  Know More
  
  ICICI Pru Guaranteed Pension Plan FlexiRegular Premium Future Income
  
  A regular-pay deferred annuity plan that helps you gradually build the retirement savings and provide guaranteed income for life
  
  Flexible premium paying terms and deferment periods
  
  Choice of increasing annuity options that will give you inflation hedged retirement income in your golden years
  
  Flexibility to withdraw up to 60% of total premiums paid as lumpsum
  
  Financial security for your family even in your absence, with the Waiver of Premium feature³
  
  Annuity plan can cover either single or joint life²
  
  Tax benefits as per prevailing tax laws
  
  Brochure
  
  Know More
  
  ICICI Pru Saral Pension PlanSingle Premium Immediate Income
  
  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
  
  Brochure
  
  Know More
  
  ICICI Pru Gold Pension Savings Plan
  
  Build your retirement savings with guaranteed benefits¹ & bonuses²
  
  Tax-free commutation of upto 60% of the vesting benefit³
  
  Flexibility of cash withdrawals⁴
  
  Free health check-up⁵
  
  Know More
  
  Brochure
  
  ¹ T&C Apply
  
  ICICI Pru Guaranteed Pension PlanDeferred Annuity
  
  Single premium plan to get guaranteed income for the rest of your life
  
  Option to defer income by up to 10 years
  
  Annuity plan can cover either single or joint life
  
  Flexible payout options to suit your need
  
  Tax benefits^{^} on premium paid u/s 80CCC and commutation u/s 10(10A) of Income Tax
  
  Know More
  
  Brochure
  
  ICICI Pru Guaranteed Pension PlanImmediate Annuity
  
  Single premium plan to get guaranteed income for the rest of your life
  
  Option to get annuity income as early as next month
  
  Annuity plan can cover either single or joint life
  
  Flexible payout options to suit your need
  
  Tax benefits^{^} on premium paid u/s 80CCC and commutation u/s 10(10A) of Income Tax
  
  Know More
  
  Brochure
- SAVINGS/ ENDOWMENT PLANS
  ICICI Pru Gold (New)
  
  Regular income¹ up to 99 years of age followed by a lump sum² on maturity
  
  Option to start receiving income immediately from the end of 1st policy year/month or defer³ it for a few years as per your need
  
  Protection through life cover⁴ till up to 99 years of age
  
  Tax benefits⁵ may be applicable on premiums paid and benefits received as per prevailing tax laws
  
  Brochure
  
  Know More
  
  ICICI Pru Sukh Samruddhi (New)
  
  Choice to avail benefits as either Income or Lump sum
  
  Life cover¹ for financial protection of your loved ones
  
  Option to receive income on any date of your choice with ‘Save the Date’²
  
  Option to accumulate income and withdraw it later as per your convenience with ‘Savings Wallet’³
  
  Tax benefits⁴ may be applicable on premiums paid and benefits received as per prevailing tax laws
  
  Brochure
  
  Know More
  
  ICICI Pru Future Perfect
  
  Savings with the comfort of guarantee
  
  Flexibility in premium payment term
  
  Security of your loved ones with potential for wealth creation and your Life Cover
  
  Brochure
  
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  ICICI Pru Savings Suraksha
  
  Life cover¹ to protect your loved ones
  
  Guaranteed^* Maturity Benefit² and Guaranteed^* Additions³
  
  Get Reversionary and Terminal Bonus⁴, if declared
  
  Tax⁵ benefits may be applicable to premiums paid and benefits received as per the prevailing tax laws
  
  Brochure
  
  ^*Conditions apply
- Health Insurance Plans
  ICICI Pru Wish (New)
  
  Comprehensive coverage¹ against women specific critical illnesses² and surgeries²
  
  Cover¹ for surgeries² resulting from specific illnesses²
  
  Fixed lump sum¹ pay-out on diagnosis of any of the covered critical illnesses²
  
  Premium remains guaranteed³ throughout the coverage term
  
  Coverage¹ for pregnancy complications and newborn complications through Maternity Care Benefit under Health Care Plus plan option
  
  Premium Sabbatical⁴ Benefit which allows you to get one full year’s premium holiday, while enjoying full policy benefits
  
  Brochure
  
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  ICICI Pru iProtect Smart - Life & Health(Life Cover + Critical Illness Cover)
  
  Up to ₹1 crore 34 Critical Illnesses^## cover (optional)
  
  Adequate Life cover^!a to protect your family
  
  Covers diseases like Cancer, Heart Attack, organ failure, etc
  
  Lumpsum Critical Illness^## claims payout based on diagnostic report
  
  In-built Terminal Illness Benefit³ and Permanent Disability Waiver⁵
  
  Tax benefit^{^} on premiums paid (80C/80D) and tax-free^{^} claims payout (10(10D))
  
  Brochure
  
  Know More
  
  ^*Conditions apply
Term Insurance
Claims
Library
- UNDERSTANDING LIFE INSURANCE
  Insurance Guide
  
  What is Life Insurance?
  
  What is Term Insurance?
  
  What is Health Insurance?
  
  What are ULIPs?
  
  What are Retirement Pension Plans?
  
  What are Child Insurance Plans?
  
  What is Annuity?
  
  What is an Endowment Policy?
  
  What is Critical Illness Insurance?
  
  Guide to Claims Settlement Ratio
  
  What is MWP Act?
  
  What are Riders?
  
  Whole Life Insurance
  
  Life Insurance Plans
  
  Compare Health Insurance
  
  Compare Pension Plans
  
  Annuity Plans
  
  Money Back Policy
  
  Tax Planning
  
  Income Tax Slabs & Rates
  
  Income Tax Calculator
  
  How to Save Income Tax
  
  TDS (Tax Deducted at Source)
  
  Tax Saving Life Insurance Plans
  
  Understanding Section 80C
  
  Understanding Section 80D
  
  Learn about Goods & Services Tax (GST)
  
  How to file ITR online?
  
  Understanding Section 80E
  
  Understaing Section 80 on Income Tax Act
  
  Indirect Tax
  
  NRI Corner
  
  1 crore term insurance
  
  Term Insurance for NRI
  
  Tax benefits
  
  NRI GST Refund FAQs
  
  Payment options
  
  FAQs
  
  Claims settlement
  
  Settlement Guidelines
  
  Contact us
  
  Blogs and Articles
  
  Is Income Proof Mandatory For Term Insurance?
  
  Do Single Parents Need Life Insurance?
  
  Do I Need Life Insurance After I Retire?
  
  5 Tips To Reduce Life Insurance Premiums
  
  More Information
  
  Protect Your Policy
  
  Phishing
  
  Fraud Prevention Tips
  
  Citizens' Charter
- UNDERSTANDING FUNDS
  Asset Allocation
  
  Plan Asset Allocation
  
  This section helps you understand the amount of money that you could invest in either equity or debt as per your risk preference.
- FAQS
  Claim FAQs
  
  Claim Related FAQs
  
  Get answers to all your questions regarding claims, their submission and settlement.
  
  Customer Service FAQs
  
  Buy Online
  
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  Policy Servicing
  
  Group Insurance FAQs
  
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  Payouts Related
  
  Pensions(Annuity)
  
  IRDAI and Ombudsman
  
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- TOOLS AND CALCULATORS
  Calculators
  
  Term Insurance Premium Calculator
  
  Income Tax Calculator
  
  Pension Calculator
  
  Child Education Plan Calculator
  
  Power of Compounding Calculator
  
  Retirement Planning Calculator
  
  Home Loan Insurance Calculator
  
  Human Life Value Calculator
  
  HRA Calculator
  
  Cancer Insurance Calculator
  
  EMI Calculator
  
  BMI Calculator(New)
- TESTIMONIALS
  Customer Reviews
  
  Here is what our delighted customers have to say about their online buying experience.
- Guides and handbooks
  Retirement Planning Handbook
  
  When I met my future self: A guide that will help you plan your retirement
  
  Retirement Research
  
  ‘Is India prepared for retirement?’ report highlights the key findings about India’s attitude towards retirement, money and annuity plans
Customer Services
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About Us
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Life Insurance
1 Crore Term Insurance
Term Insurance
- ICICI Pru iProtect Smart
- ICICI Pru Protect N Gain
Retirement Plans
Unit Linked Insurance Plans (ULIPs)
Guaranteed Return Plans
- ICICI Pru GIFT Pro
- ICICI Pru Assured Savings Insurance Plan
Savings Plans
Child Education Insurance Plans
- ICICI Pru Smartkid Plans
Health Insurance Plans
- ICICI Pru iProtect Smart - Life & Health
Insta Plan
- Insta Plan Calculator

What is Term Insurance?

What is Health Insurance?

What is Critical Illness Insurance?

Term Insurance for NRI

Whole Life Insurance
Money Back Policy

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Tools and Calculators

Term Insurance Premium Calculator
Income Tax Calculator
Power of Compounding Calculator
Retirement Planning Calculator
Home Loan Insurance Calculator
Child Education Plan Calculator
Human Life Value Calculator
HRA Calculator
EMI Calculator
Investment Planning Calculator
Cancer Insurance Calculator

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Income Tax Slabs & Rates
How to Save Income Tax
Tax Saving Life Insurance Plans

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© ICICI Prudential Life Insurance Co. Ltd. All rights reserved. Registered with Insurance Regulatory & Development Authority of India (IRDAI) as Life Insurance Company. Regn. No. 105. CIN: L66010MH2000PLC127837.

Reg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600. Customer helpline number - (Help us to serve you better by calling us from your registered mobile number). Timings – 10:00 A.M. to 7:00 P.M., Monday to Saturday (except national holidays). Member of the Life Insurance Council. For more details on the risk factors, term and conditions please read the product brochure carefully before concluding the sale. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license.

BEWARE OF SUSPICIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

irdai cautions public against spurious calls and FICTITIOUS offers