Key Benefits

  • Get up to Rs.1 crore in case of 34 critical illness*
  • Protection against disability.
  • Option to get sum assured as lump sum or monthly income.

 

*The critical illness benefit is an accelerated benefit & the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses covered, please refer to the sales brochure.ICICI Pru iProtect Smart: UIN - 105N151V01. ** Subject to realization of payment & documents. W/II/0586/2016-17

IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
 

Starts at just Rs. 2000/- p.m.

Key Benefits
  • 7 funds to invest
  • Life cover
  • Loyalty Additions^
  • Wealth Boosters+

Key Benefits
  • Comprehensive Protection
  • Premium Waiver Benefit~
  • Life cover
  • Loyalty Additions^ & Wealth Boosters+
  • 8 funds to invest

Key Benefits
  • Zero risk to capital: 101% Money back guarantee*
  • Life cover
  • Loyalty Additions^
  • Wealth Boosters+

Minimum Premium Rs. 1,00,000/- p.a.

Key Benefits
  • Comprehensive Protection
  • Premium Waiver Benefit~
  • Life cover
  • Loyalty Additions^ & Wealth Boosters+
  • 8 funds to invest

Minimum Premium Rs. 2,00,000/- p.a.

Key Benefits
  • Unlimited tax free fund switches
  • 7 funds to invest
  • Life cover
  • Loyalty Additions^ & Wealth Boosters+

Minimum Premium Rs. 5,00,000/- p.a.

Key Benefits
  • Unlimited tax free fund switches
  • 7 funds to invest
  • Life cover
  • Loyalty Additions^ & Wealth Boosters+

 

*101% Money back guarantee - On Maturity, you will receive higher of Assured Benefit or fund value. 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.

^Loyalty Additions are applicable from the 6th policy year onwards. This is 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 Regular Pay policies and 1.5% for Single Pay policies of the average of the Fund Values

~Company pays all due premium in your absence provided all due premium have been paid. **Partial withdrawals are allowed after the completion of five policy years provided monies are not in DP Fund. You can make unlimited number of partial withdrawals as long as the total amount of partial withdrawals in a year does not exceed 20% of the Fund Value in a policy year. The partial withdrawals are free of cost.

Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. The names of the Company, Product names or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns.ICICI Pru Smart Life: UIN - 105L145V01

For wealth builder II and GWP - Each Loyalty Addition will be equal to 0.25% 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. An additional Loyalty Addition of 0.25% is paid every year from the end of year 6 if all premiums for that year have been paid. Each Wealth Booster will be a percentage of the average of Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.ICICI Pru Wealth Builder II: UIN -105L139V01,ICICI Pru Guaranteed Wealth Protector: UIN - 105L143V01

For Elite Life II: A Loyalty Addition will be allocated at the end of every policy year starting from the end of the sixth policy year.Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any. An additional loyalty addition of 0.25% is paid every year from the end of year 6 if all premiums for that year have been paid. For Wealth Boosters, each addition will be equal to 1.50% of the percentage 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.ICICI Pru Elite Life II: UIN - 105L141V01

For Elite Wealth II - 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 An additional loyalty addition of 0.25% is paid every year from the end of year 6 if all premiums for that year have been paid. The additional loyalty additions will also be calculated as described above.Wealth booster - Each addition will be equal to 1% of the percentage 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.ICICI Pru Elite Wealth II: UIN - 105L140V01

** Subject to realization of payment & documents

W/II/0586/2016-17

 

Key Benefits
  • A Money Back Plan
  • Easy liquidity
  • Guaranteed cash benefits#
  • Life Cover

Key Benefits
  • A Traditional Savings Plan
  • Life Cover
  • Guaranteed Maturity Benefit*
  • Guaranteed Additions^ for staying invested

#Guaranteed benefits are available only if all premiums are paid as per the premium payment term & the policy is inforce till the completion of entire policy term includes Reversionary bonuses which 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 if any, may also be payable at maturity or on earlier death.ICICI Pru Cash Advantage: UIN - 105N132V01,ICICI Pru Savings Suraksha: UIN - 105N135V01

This is a regular payout which you will receive each month of the 10 year period, starting from the beginning of the payout phase. Your regular payout will be equal to 1 % of the GMB(Guaranteed Maturity Benefit). You can also chose to receive this payout every year instead of every month. In this case your regular payout will be 11.5% of GMB.

*Guaranteed benefits are available only if all premiums are paid as per the premium payment term & the policy is inforce till the completion of entire policy term

^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.

Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any.

** Subject to realization of payment & documents

W/II/0586/2016-17

 
IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
 

Key Benefits
  • Monthly pension for life
  • Capital Protection^^
  • Pension Boosters
  • Low charges

 

^^On vesting (maturity), you will be entitled to the Assured Benefit or Fund Value, whichever is higher. The Assured Benefit amount shown assumes all due premiums as per the premium payment term are paid. On maturity, you will receive higher of Assured Benefit or fund value. 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.

Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. The names of the Company, Product names or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns.

Pension booster for easy retirement -- On completion of the tenth policy year and on completion of every fifth 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 including Top up Fund Value, if any, over the preceding 12 months.ICICI Pru Easy Retirement: UIN - 105L133V01

** Subject to realization of payment & documents

W/II/0586/2016-17

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