ICICI Pru iProtect Smart

Tax benefits

  • Up to  54,075 under Section 80C and 80D**
  • Get an Instant Tax Certificate on premium payment
Product features

  • Get up to 1 crore in case of 34 critical illnesses*
  • Protection against permanent disability due to accident
  • Option to get sum assured as lump sum or monthly income

In unit linked plans, the investment risk in the investment portfolio is borne by the policyholder.

ICICI Pru Wealth Builder II

Tax benefits

  • Up to 46,350 under Section 80C of the Income Tax Act^^
  • Get an Instant Tax Certificate on premium payment
Product features

  • Invest in equity, debt and balanced funds
  • Get Loyalty Additions^ & Wealth Boosters by staying invested
  • Protect your loved ones with life cover

ICICI Pru Smart Kid

Tax benefits

  • Up to 46,350 on premium paid^^
  • Get an Instant Tax Certificate on premium payment
Product features

  • Life cover + Premium Waiver Benefitto secure your child's future
  • Invest in equity, debt and balanced funds
  • Get Loyalty Additions^ & Wealth Boosters+ 

 

 

ULIP PLANS


In unit linked plans, the investment risk in the investment portfolio is borne by the policyholder.

ICICI Pru Wealth Builder II

Starts at just 2000/- p.m.

  • Choice of 7 funds (equity, debt and balanced) to invest and grow your money
  • Life cover to protect your loved ones
  • Get Loyalty Additions^ & Wealth Boosters by just staying invested in the plan

ICICI Pru Smart Kid

  • Choice of 8 funds (equity, debt and balanced) to invest and grow your money
  • Premium Waiver Benefitand Life cover to secure your child's future
  • Get Loyalty Additions^ & Wealth Boosters+ by just staying invested in the plan

ICICI Pru Guaranteed Wealth Protector

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

ICICI Pru Smart Life

Starts at 1,00,000/- p.a.

  • Comprehensive Protection
  • Premium Waiver Benefit~
  • Life cover
  • Loyalty Additions^ & Wealth Boosters+

ICICI Pru Elite Life

Starts at 2,00,000/- p.a.

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

ICICI Pru Elite Wealth

Starts at 5,00,000/- p.a.

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

 

ENDOWMENT PLANS

ICICI Pru Cash Advantage

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

ICICI Pru Savings Suraksha

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

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

 


In unit linked plans, the investment risk in the investment portfolio is borne by the policyholder.
 

ICICI Pru Easy Retirement

  • Monthly pension for life
  • Capital Protection*
  • Pension Boosters#
  • Low charges

ICICI Pru Immediate Annuity

  • Receive regular income for life
  • Option to increase your pay-out amount
  • Get discount on purchased price, depending up on the annual payout amount+

 

 

ICICI Pru iProtect Smart

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

ICICI Prudential Smart Health Cover

  • Protection against 34 Critical illnesses.
  • No increase in premium as you grow older.
  • Receive lump sum CI Benefit amount irrespective of the actual billing^

 

#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.

^^Tax Benefit of Rs. 46,350 is calculated at the highest tax slab rate of 30.90% on premium of Rs. 1,50,000 under section 80C of income Tax Act, 1961.

**Tax benefit of Rs. 54,075 is calculated at highest tax slab rate of 30.9% (including Cess) on insurance premium u/s 80C/80CCC of Rs.1,50,000 and health premium u/s 80D of Rs.25,000. Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Service tax and swachh bharat cess will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time.

This is only a provisional certificate and does not communicate acceptance or commencement of risk under proposal submitted by you. This document may be used as a proof for claiming deductions while filing your tax returns subject to provisions of relevant tax sections and acceptance of risk, i.e. on policy issuance by the company. For any confirmation / impact analysis customer is advised to refer the matter to his Tax consultant.

ICICI Pru iProtect Smart
*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.

ICICI Pru Wealth Builder II
^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 ICICI Pru Wealth Builder II: UIN-105L139V01

ICICI Pru Smart Life
~Company pays all due premium in your absence provided all due premium have been paid. ^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 ICICI Pru Smart Life: UIN-105L145V01

ICICI Pru Guaranteed Wealth Protector
*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. ^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 Guaranteed Wealth Protector: UIN-105L143V01.

ICICI Pru 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.

ICICI Pru 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. 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.

ICICI Pru Cash Advantage & ICICI Pru Savings Suraksha
#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

ICICI Pru Future Perfect
##Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity. Your Guaranteed Maturity Benefit (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 (GA) are a percentage of the Annualized premium. During PPT: GA will accrue on premium payment and after PPT: GA will accrue at the beginning of policy year.- 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.UIN:105N153V01

*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.

ICICI Pru 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.UIN - 105L133V02.

^Only medical documents confirming diagnosis to be submitted. ICICI Prudential Smart Health Cover is designed with Life & Health variants of ICICI Pru iProtect Smart.

You can choose to purchase other variants of the product as per your needs and there is no compulsion to purchase this variant as suggested by the Insurer and as presented in this advertisement.

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. Advt- W/II/1189/2016-17

ICICI Pru Immediate Annuity
+You would be further eligible for a discount on the purchase price, depending up on annual payout amount under the plan chosen by you.

Annuity Band Annuity Payment Mode -Monthly Other Annuity Payment Modes
100-24,000 - -
24,000-48,000 1.5% 0.4%
48,000-120,000 2.5% 0.6%
>=120,000 3% 0.7%

UIN: 105N009V07

Back to Top