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TOP SELLING ONLINE PLANS

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ENDOWMENT PLANS

RETIREMENT PLANS

PROTECTION + HEALTH

ICICI Pru iProtect Smart (Term Plan)

Protect your loved ones with a large cover at affordable rates

Health cover against 34 critical illnesses (optional)#

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ICICI Pru Signature Online (ULIP Plan)

Provides financial protection for your loved ones with a life insurance cover

Return of mortality and policy administration charges1

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ICICI Pru Guaranteed Income For Tomorrow (Savings Plan)

Get Guaranteed Benefits^^ in the form of Lump Sum or Regular Income

Option to avail Benefits from 2nd year onwards**

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^^ ** ##* T&C Apply

ICICI Pru Heart Cancer Protect (Health Plan)

Get the claim amount on diagnosis*

No restrictions on your choice of hospital

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ICICI Pru Signature Online

Provides financial protection for your loved ones with a life insurance cover

Return of mortality and policy administration charges1

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ICICI Pru1 Wealth

ICICI Pru1 Wealth

Invest only once and enjoy benefits for the entire policy term

100% amount invested in a wide range of funds

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ICICI Pru Sukh Samruddhi

ICICI Pru Sukh Samruddhi

Choice to avail benefits either as Income or Lump sum

Life cover1 for financial protection of your loved ones

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ICICI Pru Guaranteed Income For Tomorrow (Long-term)

ICICI Pru Guaranteed Income For Tomorrow (Long-term)

Get 100% Guaranteed1 Income for a long-term period of upto 30 years^

Option to get 110% of the total premiums paid2

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1 ^ ^ ~ Conditions apply

ICICI Pru Guaranteed Income For Tomorrow (Savings Plan)

ICICI Pru Guaranteed Income For Tomorrow

Get Guaranteed Benefits^^ in the form of Lump Sum or Regular Income

Option to avail Benefits from 2nd year onwards**

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ICICI Pru Savings Suraksha

ICICI Pru Savings Suraksha (Endowment Plan)

Guaranteed1 returns with company performance linked bonuses3

5% Guaranteed Additions2 for the first 5 years

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123Conditions apply

ICICI Pru Assured Savings Insurance Plan(Savings Plan)

ICICI Pru Assured Savings Insurance Plan

Get Guaranteed Maturity Benefit~ at the end of the policy term, irrespective of market interest rates.

Enjoy Tax Benefits under Sections 80C and 10(10D)*

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~ * ` T&C Apply

ICICI Pru Guaranteed Pension Plan Flexi

ICICI Pru Guaranteed Pension Plan Flexi

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

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^^ 132 T&C Apply

ICICI Pru Guaranteed Pension Plan - Deferred Annuity

ICICI Pru Guaranteed Pension Plan - Deferred Annuity

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

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^^ *#^ T&C Apply

ICICI Pru Guaranteed Pension Plan - Immediate Annuity

ICICI Pru Guaranteed Pension Plan - Immediate Annuity

Single premium plan to get guaranteed^^ income immediately for the rest of your life

Annuity plan can cover either single or joint life*

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^^ *#^ T&C Apply

ICICI Pru Signature Online

ICICI Pru Signature Online

Get tax-free^ benefits for your retirement as a lump sum or regular income

Enjoy Tax Benefits under Sections 80C and 10(10D)^

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ICICI Pru Signature Online

ICICI Pru Saral Pension

Pay just once and get a guaranteed^^ lifelong income

Continue pension for your spouse after you with the Joint Life1 option

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^^ 123 T&C Apply

ICICI Pru iProtect Return of Premium (Term Plan)

Ensure the right life cover1 to protect yourself adequately at every lifestage2

Get 105% of your premium back3 or get monthly income from age 60 on survival/maturity

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ICICI Pru iProtect Smart (Term Plan)

Protect your loved ones with a large cover at affordable rates

Health cover against 34 critical illnesses (optional)#

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ICICI Pru Heart Cancer Protect (Health Plan)

Get the claim amount on diagnosis*

No restrictions on your choice of hospital

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ICICI Pru SmartKid with Smart Life

Systematic investment plan for your child of any age

Grow your money mainifold for child's big day with market investment in 15 funds

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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 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.

~ T&C Apply

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

#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 - December 2015 till date.
~Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.

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 is equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. Only a doctor's certificate confirming the 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 upto the age of 75 years.
**Accidental Death Benefit is upto ₹ 2 Crore. Accidental Death Benefit is optional and available in Life Plus and All in One options. Accidental Death Benefit is only applicable upto the 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 3:00 pm on a working day- Original policy certificate, copy of death certificate by the 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 3:00 pm will be considered for ULIP policies. Interest will be paid on the 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 the death claim has been received. In case of a 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/- under Section 80C is calculated at the highest tax slab rate of 31.20% (including cess excluding surcharge as per old tax regime) on life insurance premium under Section 80C of ₹ 1,50,000/- and health premium under Section 80D of ₹ 25,000/-. Tax Benefits are subject to conditions under Sections 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods 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 the 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 life claims under life insurance claims, subject to applicable terms and conditions of the policy contract and extant regulatory framework. COVID-19 life claims is not included in the Critical Illness Benefit covered under IProtect Smart.
##5% discount on premium is applicable only for Regular and Limited pay policies. In the case of Single Pay, discount applicable is 2% of Single Premium.
ICICI Pru iProtect Smart UIN: 105N151V06.


ICICI Pru Saral Jeevan Bima
1Life Cover is the benefit payable on the death of the life assured.
2On the death of the Life Assured after the expiry of the Waiting Period but before the stipulated date of maturity and provided the Policy is in force, the Death Benefit amount payable as a lump sum is: For Regular premium or Limited premium payment policy, “Sum Assured on Death” which is the highest of: 10 times of annualised premium; or 105% of all the premiums paid as on the date of death; or Absolute amount assured to be paid on death. For Single premium policy, “Sum Assured on Death” which is the higher of: 125% of the Single Premium or Absolute amount assured to be paid on death.
3Statutory 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 be as per the prevailing provisions of the tax laws in India. The Policyholder or the nominee shall be liable for the compliance of applicable tax provisions.
ICICI Pru Saral Jeevan Bima UIN: 105N183V01.


ICICI Pru Heart Cancer Protect
*Lump sum is paid out on diagnosis of any of the listed conditions. Payout is based on the level of condition. The total payout in the policy cannot exceed 100% of the 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 the diagnosis of Permanent Disability (PD) of the Life Assured due to an 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 the policy is in force as on the date of diagnosis of the condition/at the time of the accident.
^Tax Benefit of ₹ 7,800/- is calculated at the highest tax slab rate of 31.2% (including Cess excluding surcharge) on health premium under Section 80D of ₹ 25,000/-. Tax Benefits under the policy are subject to conditions under Sections 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 the 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 the policy term, premium, premium payment term, age and gender.
*Tax Benefits of ₹ 54,600/- (₹ 46,800/- under Section 80C & ₹ 7,800/- under Section 80D) is calculated at the highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium under Section 80C of ₹ 1,50,000/- and health premium under Section 80D of ₹ 25,000/-. Tax Benefits under the policy are subject to conditions under Sections 80C, 80D, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods 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 the above.
`Life Cover is the benefit payable on the death of the life assured.
ICICI Pru Assured Savings Insurance Plan UIN: 105N144V08.

ICICI Pru Savings Suraksha
1Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on the policy term, premium, premium payment term, Sum Assured and gender. Your GMB may be lower than your Sum Assured. GMB is the Sum Assured on maturity.
3 Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any. 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 allocated 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. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A Contingent reversionary bonus may be declared every financial year and will accrue only to a policy if it becomes paid-up. A contingent reversionary bonus will be a part of the paid-up benefit and will be paid on maturity or earlier death. A terminal bonus may also be payable at maturity or on earlier death.
2Guaranteed 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.
*Tax Benefit of ₹ 46,800/- is calculated at the highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium under Section 80C of ₹ 1,50,000/-. Tax Benefits under the policy are subject to conditions under Sections 80C, 80D, 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 the above.
+Life Cover is the benefit payable on the death of the life assured during the policy term.
ICICI Pru Savings Suraksha UIN: 105N135V02.

ICICI Pru Signature Online
^Tax Benefits under the policy are subject to conditions under Sections 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 the above.
1Amount equal to the 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 are not applicable for the Whole Life option.
2Systematic Withdrawal Plan is allowed only after the first five policy years.
*Tax Benefits of ₹ 54,600/- (₹ 46,800/- under Section 80C & ₹ 7,800/- under Section 80D) is calculated at the highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium under Section 80C of ₹ 1,50,000/- and health premium under Section 80D of ₹ 25,000/-. Tax Benefits under the policy are subject to conditions under Sections 80C, 80D,10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods 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 the 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 are not applicable for the Whole Life option.
`Life Cover is the benefit payable on the death of the life assured during the policy term.
ICICI Pru Signature Online UIN: 105L177V03.

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, the 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 the highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium under Section 80C of `1,50,000/-. Tax Benefits under the policy are subject to conditions under Sections 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961. Goods 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 the above.
*Life Cover is the benefit payable on the death of the life assured.
ICICI Pru1 Wealth UIN:105L175V03

 

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 to the product brochure

^Tax Benefits under the policy are subject to conditions under Sections 80CCC, 115BAC and other provisions of the Income Tax Act, 1961. Goods 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 the above.
*Life Cover is the benefit payable on the death of the life assured.
ICICI Pru Guaranteed Pension Plan UIN: 105N181V02.

ICICI Pru Guaranteed Pension Plan Flexi

1 Please refer to the product brochure for more details.

2 Under the Joint Life option, the Secondary Annuitant can be either the spouse/child/parent/sibling of the Primary Annuitant.

3 Applicable for Joint Life options only. ICICI Pru Guaranteed Pension Plan Flexi UIN: 105N187V03.

ICICI Pru Saral Pension Plan
1 Under the 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 to the product brochure for more details

3 Please refer to the product brochure for more details. ICICI Pru Saral Pension Plan UIN : 105N184V04.

ICICI Pru Guaranteed Income For Tomorrow

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

**Benefits from the 2nd year onwards are 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 the first income to coincide with any special date. This option is available only for Income and Early Income options.

*Tax Benefits of ₹ 46,800/- under Section 80C is calculated at the highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium under Section 80C of ₹ 1,50,000/-. 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. Goods and Service Tax and Cesses, if any, will be charged extra as per prevailing rates. The tax-free income is subject to conditions specified under Section 10(10D) and other applicable provisions of the Income Tax Act, 1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on the above.

#Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on the first occurrence of any of the 34 illnesses covered. Medical documents confirming the diagnosis of critical illness need to be submitted. The benefit is payable only on the fulfilment 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 the ACI Benefit and terms & conditions governing it, kindly refer to the sales brochure. ACI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower.

ICICI Pru Guaranteed Income For Tomorrow UIN: 105N182V05.

ICICI Pru Guaranteed Income For Tomorrow (Long-term)

1Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.

^ICICI Pru Guaranteed Income For Tomorrow (Long-term) offers 4 options in income period namely 15, 20, 25 and 30 years. The customer can choose any plan option from the four available options. Please refer to the brochure for more details

2ICICI Pru Guaranteed Income For Tomorrow (Long-term) offers two plan options namely, 'Income' and ‘Income with 110% ROP’. The customer can choose any plan option from the two available options. Please refer to the brochure for more details

3Save the Date: The policyholder has the option to receive GIs on any one date, succeeding the due date of the first GI payout, to coincide with any special date such as birth date or anniversary date. This option needs to be selected at policy inception or before the completion of the premium payment term and is only available with the annual mode of income. The GIs payable from the special date will be increased for the deferment period i.e. the period between the due date of the first GI payout and the special date, at an interest rate of 3.00% p.a. compounded monthly. Any change in interest rate will be subject to prior approval from IRDAI. The last GI will be paid on the date of maturity of the policy and not on the special date. Therefore, the interest rate mentioned above shall not be applicable for the last GI

*Tax benefits of ₹ 46,800/- under Section 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium under Section 80C of ₹ 1,50,000/-. Tax benefits under the policy are subject to conditions under Sections 80C, 80D,10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Service Tax and Cesses, if any, will be charged extra as per prevailing rates. The tax-free income is subject to conditions specified under Section 10(10D) and other applicable provisions of the Income Tax Act, 1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on the above

4Life Cover is the benefit payable on the death of the life assured during the policy term

5Additional Benefit is offered for online sales: For Income Plan option, 1.5% of Guaranteed Income is applicable. For Income with 110% ROP Plan option, 2% of Guaranteed Income is applicable. ICICI Pru Guaranteed Income For Tomorrow (Long-term) UIN: 105N185V06.

ICICI Pru Sukh Samruddhi

1 Life cover: Life cover is the benefit payable on death of the life assured during the policy term. For income plan option, Death Benefit will be higher of:
Sum Assured on Death + Accrued Reversionary Bonus, if declared + Interim Reversionary Bonus, if declared + Terminal Bonus, if declared; or
105% of total premiums paid up to the date of death
Where, Sum Assured on Death is
For Age 0 to 50: Higher of 10.5 X Annualized Premium or PPT X Annualized Premium
For Age 51 to 60: Higher of 10 X Annualized Premium or PPT X Annualized Premium
For Lump sum plan option, Death Benefit will be higher of:
Sum Assured on Death + Accrued Reversionary Bonuses, if declared + Interim Reversionary Bonus, if declared + Terminal Bonus, if declared; or
105% of total premiums paid up to the date of death
Where, Sum Assured on Death is
For Limited Pay
For Age 0 to 50: Higher of 10.5 X Annualized Premium or PPT X Annualized Premium
For Age 51 to 60: Higher of 10 X Annualized Premium or PPT X Annualized Premium
For Regular Pay:
For Age 0 to 50: 10.5 X Annualized Premium
For Age 51 to 60: 10 X Annualized Premium

2 Save the date: Under ‘Income’ plan option, you can choose to receive guaranteed income on any one date succeeding the due date of first income to coincide with any special date. This option needs to be selected at policy inception and can be changed any time before the completion of premium payment term. If you have chosen a specific date to receive Guaranteed Income, the income, as applicable, payable from this date will be increased for the deferment period i.e. for completed number of months between the due date of first pay-out and the specific date chosen, at an interest rate equal to Reverse Repo Rate, compounded monthly. This interest rate on GIs will be reviewed twice every year on 1st of June and 1st of December, and will be set equal to Reverse Repo Rate published on RBI’s website. This option to receive GIs on any one date can be availed by both in-force as well as paid-up policies. The last GI will be paid on the date of maturity of the policy and not on the special date chosen by You and therefore, the interest rate mentioned above shall not be applicable for the last GI. It can be chosen only if annual frequency of Guaranteed income is selected under ‘Income’ plan option.

3 Savings Wallet: You have an option to accumulate Guaranteed Incomes (GIs), instead of taking as payment during the policy term. The GIs will be accumulated at an interest rate equal to Reverse Repo Rate published by RBI, compounded daily. This interest rate on GIs will be reviewed twice every year on 1st of June and 1st of December, and will be set equal to Reverse Repo Rate published on RBI’s website. You also have an option to withdraw, completely or partially, the accumulated GIs anytime during the Income Term. This option is only available under Income Plan option.

4 Tax benefits: Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to conditions under 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 more details. ICICI Pru Sukh Samruddhi UIN 105N188V01, W/II/0931/2022-23

ICICI Pru iProtect Return of Premium
1 Life cover is the death benefit payable on the death of the Life Assured during the policy term. For ‘Return of Premium’ plan option, Death Benefit will be the highest of a) Sum Assured on Death b) Basic Sum Assured to be paid on death c) (Applicable only for limited pay and regular pay) 105% of the total Premiums Paid till the date of death. Where Sum Assured on Death is 7 X Annualised Premium for regular pay and limited pay and 1.25 X Single Premium for single pay; For ‘Income Benefit’ plan option, Death Benefit will be the highest of a) Sum Assured on Death b) 105% of the total premiums Paid till the date of death c) Basic Sum Assured to be paid on death, less total Survival Benefit paid till the date of death. Where, Sum Assured on Death is 10 X Annualised Premium. For ‘Return of Premium with Life-stage cover’ & ‘Early Return of Premium with Life-stage cover’ plan options, Death Benefit will be the highest of a) Sum Assured on Death b) 105% of the total premiums paid till the date of death c) Absolute amount assured to be paid on death where, Sum Assured on Death is 7 X Annualised Premium
2 Life-stage cover: In the case of Life-stage cover, Absolute amount assured to be paid on death will be based on the age of the Life Assured as provided below.
i. In the first policy year, Absolute amount assured to be paid on death will be the same as Basic Sum Assured as chosen by You at inception.
ii. From the second policy year till the policy anniversary after the Life Assured attains the age of 55, 5% of the Basic Sum Assured gets added on every policy anniversary to the Basic Sum Assured. This amount cumulatively shall be the Absolute amount assured to be paid on death. The Absolute amount assured to be paid on death remains constant till the next policy anniversary. In case the Absolute amount assured to be paid on death becomes twice the Basic Sum Assured during this period of increment, it stays constant at that level, till the policy anniversary after the Life Assured attains the age of 56 years.
iii. On the policy anniversary after the Life Assured attains 56 years of age, the Absolute amount assured to be paid on death shall revert back to Basic SA. This will continue till the policy anniversary after the Life Assured attains the 60 years of age.
iv. On the policy anniversary after the Life Assured attains 60 years of age, the absolute amount assured to be paid on death shall be 50% of the Basic Sum Assured and continues at the same level till the end of the policy term.
3 Premium back refers to the total of all premiums received, excluding premiums for optional benefits i.e. Accidental Death Benefit, Critical Illness Benefit, extra premium, any rider premium and taxes, if any, upon the full payment of policy premiums
4 Critical Illness: CI Benefit is an additional optional benefit chosen at inception and is available with ‘Life and health’ and ‘All in One’ benefit options. The CI Sum Assured is paid as a lump sum upon the Life Assured being diagnosed on the first occurrence of any of the covered 60 major Critical Illnesses within CI Benefit term. 25% of the CI Sum Assured or ₹ 500,000/- whichever is lower is paid as a lump sum upon the Life Assured being diagnosed on the first occurrence of any of the covered 4 minor Critical Illnesses within CI Benefit term. CI Benefit is available for Single Pay and Limited Pay and is lower of (15 years, policy term). For regular pay, the CI benefit term will be lower of (policy term, 40 years) subject to a maximum cover ceasing age of 85 years. CI Benefit can be less than or equal to the Basic Sum Assured chosen by You at inception for Return of Premium Plan and Income Benefit Plan. CI Benefit can be less than or equal to 50% of the Basic Sum Assured chosen at inception for Return of Premium with Life-stage Cover Plan and Early Return of Premium with Life-stage Cover Plan. CI Benefit is a pure risk benefit and does not have Survival or Maturity Benefit. Premiums paid corresponding to CI Benefit shall be excluded from Survival or Maturity Benefit
5 Accidental Death Benefit: ADB Benefit is an additional optional benefit and is available with ‘Life Plus’ and ‘All in One’ benefit options. In the event of the Life Assured’s death due to an Accident, ADB will be payable as a lump sum. ADB is available for the policy term or till the age of 80 years, whichever is lower. For Return of Premium Plan and Income Benefit Plan, ADB can be less than or equal to the Basic Sum Assured as per the plan option. For Return of Premium with Life-stage Cover Plan and Early Return of Premium with Life-stage Cover Plan, ADB can be less than or equal to 50% of the Basic Sum Assured chosen at inception. ADB is a pure risk benefit and does not have Survival or Maturity Benefit. Premiums paid corresponding to ADB shall be excluded from Survival or Maturity Benefit
6 Tax benefits may be available as per the prevailing tax laws. Tax benefits under the policy are subject to prevailing conditions and 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 made thereto from time to time. Please consult your tax advisor for details, before acting on the above. ICICI Pru iProtect Return of Premium(UIN: 105N186V01), A Non-Linked, Non-Participating Individual Life insurance Savings product.

ICICI Pru SmartKid with Smart Life
` Company pays all due premiums in your absence provided all due premiums have been paid. Units will continue to be allocated as if the premiums are being paid – to ensure that your savings for your desired goal continues uninterrupte
* 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. 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 more details.
+ Partial withdrawals are allowed after the completion of five policy years provided monies are not in Discontinued Policy 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. For the purpose of partial withdrawals, lock in period for Top-up premiums will be five years from date of payment or any such limit prescribed by IRDAI from time to time. Partial withdrawal will not be allowed if it results in termination of the policy. ICICI Pru SmartKid with Smart Life UIN 105L145V06 (W/II/0452/2022-23)

W/II/0035/2022-23

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