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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 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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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 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 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 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 Section 80C and 10(10D)*

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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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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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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 Section 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 spouse after you with the Joint Life1 option

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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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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 a 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

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

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#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 - Dec 2015 till date.

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 equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. Only doctor's certificate confirming 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 up to age of 75 years.
**Accidental Death benefit is up to ₹2 Crore/-. Accidental Death Benefit is optional and available in Life Plus and All in One options. Accidental Death Benefit is only applicable up to 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 3pm on a working day- Original policy certificate, copy of death certificate by 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 3pm will be considered for ULIP policies. Interest will be paid on 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 death claim has been received. In case of 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/- (₹46,800/- u/s 80C) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge as per old tax regime)on life insurance premium u/s 80C of ₹1,50,000/- and health premium u/s 80D of ₹25,000. Tax benefits subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good 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 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 policy contract and extant regulatory framework. COVID-19 life claims is not included in Critical Illness benefit covered under IProtect Smart.
##5% discount on premium is applicable only for Regular and Limited pay policies. In 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 death of the life assured.
2On death of the Life Assured after the expiry of 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 annualized 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 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 may be as per the prevailing provisions of the tax laws in India. The Policyholder or the nominee shall be liable for 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 level of condition. Total payout in the policy cannot exceed 100% of 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 diagnosis of Permanent Disability (PD) of the Life Assured due to 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 Policy is in force as on the date of diagnosis of the condition/at the time of accident.
^Tax benefit of ₹7,800/- is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on health premium u/s 80D of ₹25,000/-. Tax benefits under the policy are subject to conditions under Section 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 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 policy term, premium, premium payment term, age and gender.
*Tax benefits of ₹54,600/-(₹46,800/- u/s 80C & ₹7,800/- u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge) on life insurance premium u/s 80C of ₹1,50,000/- and health premium u/s 80D of ₹25,000/-. 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. Good 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 above.
ICICI Pru Assured Savings Insurance Plan UIN 105N144V08.

ICICI Pru Signature Online
^Tax benefits under the policy are subject to conditions under Section 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 above.
1Amount equal to 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 is not applicable for Whole Life option.
2Systematic Withdrawal Plan is allowed only after the first five policy years.
*Tax benefits of ₹54,600/- (₹46,800/- u/s 80C & ₹7,800/- u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge) on life insurance premium u/s 80C of ₹1,50,000 and health premium u/s 80D of ₹25,000. 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. Good 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 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 is not applicable for Whole Life option.
ICICI Pru Signature Online UIN 105L177V02.

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, 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 highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of `1,50,000/-. Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) 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 above. ICICI Pru1 Wealth UIN:105L175V02

 

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 the product brochure

^Tax benefits under the policy are subject to conditions under Section 80CCC, 115BAC and other provisions of the Income Tax Act,1961. Good 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 above. ICICI Pru Guaranteed Pension Plan UIN.105N181V01

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

3 Please refer the product brochure for more details. ICICI Pru Saral Pension UIN.105N184V01

ICICI Pru Guaranteed Income For Tomorrow

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

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

*Tax benefits of ₹54,600/- (₹46,800/- u/s 80C & ₹7,800/- u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge) on life insurance premium u/s 80C of ₹1,50,000/- and health premium u/s 80D of ₹25,000/-. 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. Good 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 above.

ICICI Pru Guaranteed Income For Tomorrow UIN 105N182V02.

 


#Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfillment 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 ACI Benefit, terms & conditions governing it, kindly refer to 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 (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 first GI pay-out, 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 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 first GI pay-out 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 u/s 80C is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge) on life insurance premium u/s 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. Good 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 above

4Life Cover is the benefit payable on 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: 105N185V01

W/II/4451/2021-22

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