REVERSIONARY BONUS FOR LIFE INSURANCE POLICIES

Money Back Policies are insurance policies in which the insurance company shares a part of its profits with you depending on the performance of your funds. Reversionary Bonus is the bonus declared every year as a percentage of (Guaranteed Maturity Benefit#/Sum Assured* + sum of all earlier declared Revisionary Bonuses). It is payable on death of the life assured or maturity of the policy.

Reversionary Bonus
FY Cash Advantage Savings Suraksha (LP) Savings Suraksha (RP) Future Perfect Anmol Bachat (RP) Series II Lakshya LifeLong Income Sukh Samruddhi Lump sum(LP) Sukh Samruddhi Lump Sum(RP) Sukh Samruddhi Income (LP)
2023 4.50% 2.50% 1.50% 2.50% 1.25% 2.00% 2.50% 1.50% 1.50%
2022 4.50% 2.75% 1.50% 2.50% 1.25% 2.00%      
2021 4.50% 2.75% 1.50% 2.25% 1.25% 1.00%      
2020 4.50% 3.00% 1.75% 2.25% 1.25% 1.00%      
2019 4.75% 3.00% 1.75% 2.25% 1.25%        
2018 4.75% 3.00% 1.75% 2.25% 1.25%        
2017 4.75% 3.00% 1.75% 2.00% 1.25%        
2016 5.00% 3.25% 2.00%              
2015 5.25% 3.50% 2.25%            
2014 5.25% 3.50% 2.25%            

For ICICI Pru Sukh Samruddhi Income plan option, the Reversionary Bonus is declared on a compounding basis as a percentage of Benefit Sum Assured and vested reversionary bonuses.

For ICICI Pru Sukh Samruddhi Lump sum plan option, the Reversionary Bonus is declared on a compounding basis as a percentage of Sum Assured on Maturity and vested reversionary bonuses.

ICICI Pru Lakshya Wealth

Premium Payment Term Policy Term FY2020 FY2021 FY2022 FY2023
5 12 3.00% 3.00% 3.00% 3.00%
5 15 3.40% 3.40% 3.40% 3.40%
5 20 4.70% 4.70% 4.70% 4.70%
5 25 5.90% 5.90% 5.90% 5.90%
5 30 7.20% 7.20% 7.20% 7.20%
7 12 2.30% 2.30% 2.30% 2.30%
7 15 2.80% 2.80% 2.80% 2.80%
7 20 4.00% 4.00% 4.00% 4.00%
7 25 5.10% 5.10% 5.10% 5.10%
7 30 6.40% 6.40% 6.40% 6.40%
10 15 2.10% 2.10% 2.10% 2.10%
10 20 3.20% 3.20% 3.20% 3.20%
10 25 4.40% 4.40% 4.40% 4.40%
10 30 5.60% 5.60% 5.60% 5.60%
12 15 1.70% 1.70% 1.70% 1.70%
12 20 2.90% 2.90% 2.90% 2.90%
12 25 4.10% 4.10% 4.10% 4.10%
12 30 5.30% 5.30% 5.30% 5.30%
Reversionary Bonus One time Bonus (addition to Reversionary bonus)
FY ICICI Pru Forever Life (SP) (Par Pension) ICICI Pru Forever Life (RP) (Par Pension) ICICI Pru Smart Kid (Par Life) ICICI Pru Save 'n' Protect (Par Life) ICICI Pru Cash Bak (Par Life) Anmol Bachat (RP) Series I One time Bonus (Par pension) One time Bonus (Par Life)
2023 - 3.50% 3.00% 2.00% 2.25% -    
2022 3.50% 3.50% 3.00% 2.00% 2.25% -    
2021 3.50% 3.50% 2.75% 2.00% 2.25% 0.90%    
2020 3.25% 3.25% 2.50% 2.00% 2.25% 0.09%    
2019 3.00% 3.00% 2.25% 2.00% 2.00% 0.90%    
2018 2.75% 2.75% 2.00% 2.00% 2.00% 0.90%    
2017 2.75% 2.75% 2.00% 2.00% 2.00% 0.90%    
2016 2.75% 2.75% 2.25% 2.25% 2.25% 1.15%    
2015 3% 3% 2.50% 2.50% 2.50% 1.40%    
2014 2.75% 2.75% 2.25% 2.25% 2.25%    
2013 2.75% 2.75% 2.25% 2.25% 2.25%      
2012 2.75% 2.75% 2.25% 2.25% 2.25%      
2011 3.00% 3.00% 2.50% 2.50% 2.50%      
2010 2.75% 2.75% 2.50% 2.50% 2.50%   1.25% 1.50%
2009 2.50% 2.50% 2.25% 2.25% 2.25%      
2008 3.00% 3.00% 3.00% 3.00% 3.00%      
2007 3.25% 3.25% 3.25% 3.25% 3.25%      

*The Sum Assured is a fixed minimum amount guaranteed on maturity
#
Guaranteed Maturity Benefit (GMB) is equal to the fixed amount that you receive at the time of maturity.

REVERSIONARY BONUS FOR WHOLE LIFE POLICIES:

Whole Life Policies are insurance plans for which your Life Cover lasts for your entire lifetime. Revisionary Bonuses for these policies are declared regularly and are paid at the time of death claim. For the policies mentioned below, the Reversionary bonus is declared on a Simple Interest basis as a percentage of the Sum Assured.

POLICY NAME: ICICI PRU WHOLE LIFE

Premium Payment Term FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023
Up to 15 years 3.50% 3.50% 3.50% 3.50% 3.50% 3.25% 3.00% 3.00% 3.00% 3.00% 3.25% 3.25% 3.25%
16 to 20 years 3.90% 3.90% 3.90% 3.90% 3.90% 3.65% 3.40% 3.40% 3.40% 3.40% 3.65% 3.65% 3.65%
21 to 25 years 4.70% 4.70% 4.70% 4.70% 4.70% 4.45% 4.20% 4.20% 4.20% 4.20% 4.45% 4.45% 4.45%
26 years and above 5.10% 5.10% 5.10% 5.10% 5.10% 4.85% 4.60% 4.60% 4.60% 4.60% 4.85% 4.85% 4.85%

POLICY NAME: ICICI PRU FUTURE SECURE

Policy Term FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023
Up to 15 years 3.60% 3.60% 3.60% 3.60% 3.60% 3.35% 3.10% 3.10% 3.10% 3.10% 3.35% 3.35% 3.35%
16 to 20 years 4.00% 4.00% 4.00% 4.00% 4.00% 3.75% 3.50% 3.50% 3.50% 3.50% 3.75% 3.75% 3.75%

CASH BONUS

Cash Bonus is the bonus declared every year as a percentage of Annualized premium. It is payable basis the chosen income frequency. Cash Bonus is applied through the simple bonus method.

ICICI Pru Gold

For ICICI Pru Gold, the Cash Bonus is declared as a percentage of Annualized Premium.

Cash Bonus Rates for Immediate Income plan
PPT\ Age at Entry 5 6 7 8 9 10 11 12
Up to 25 years 14.00% 16.50% 18.50% 20.50% 20.75% 22.50% 23.75% 25.50%
26 to 30 years 14.00% 16.50% 18.50% 20.50% 21.00% 23.00% 24.50% 26.00%
31 to 35 years 14.00% 16.50% 18.50% 20.75% 21.75% 23.75% 25.00% 27.00%
36 to 40 years 14.00% 16.25% 18.50% 20.75% 22.00% 24.00% 25.00% 27.00%
41 to 45 years 13.00% 15.50% 18.00% 20.00% 22.25% 24.00% 25.00% 26.50%
46 to 50 years 12.00% 14.75% 17.50% 20.00% 23.00% 25.50% 26.00% 26.50%
51 to 55 years NA 12.50% 16.75% 19.00% 21.75% 25.00% 24.75% 24.50%
56 to 60 years NA NA 14.25% 17.00% 20.25% 23.50% 23.50% 22.50%
Cash Bonus Rates for Immediate Income with Booster plan
Premium Payment Term\ Age at Entry 5 6 7 8 9 10 11 12
Up to 25 years NA 16.50% 18.50% 20.50% 20.75% 22.50% 23.75% 25.50%
26 to 30 years NA 16.50% 18.50% 20.50% 21.00% 23.00% 24.50% 26.00%
31 to 35 years NA 16.50% 18.50% 20.75% 21.75% 23.75% 25.00% 27.00%
36 to 40 years NA 16.25% 18.50% 20.75% 22.00% 24.00% 25.00% 27.00%
41 to 45 years NA 15.50% 18.00% 20.00% 22.25% 24.00% 25.00% 26.50%
46 to 50 years NA 14.75% 17.50% 20.00% 23.00% 25.50% 26.00% 26.50%
51 to 55 years NA NA 16.75% 19.00% 21.75% 25.00% 24.75% 24.50%
56 to 60 years NA NA NA 17.00% 20.25% 23.50% 23.50% 22.50%
Cash Bonus Rates for Deferred Income plan
Deferred by 1 Year
Premium Payment Term\ Age at Entry 5 6 7 8 9 10 11 12
Up to 25 years NA NA 20.25% 22.50% 22.75% 24.75% 26.00% 27.75%
26 to 30 years NA NA 20.25% 22.50% 23.00% 25.25% 26.75% 28.50%
31 to 35 years NA NA 20.25% 22.75% 23.75% 26.00% 27.25% 29.50%
36 to 40 years NA NA 20.50% 23.00% 24.25% 26.50% 27.50% 29.50%
41 to 45 years NA NA 20.00% 22.25% 24.50% 26.50% 27.50% 29.25%
46 to 50 years NA NA 18.75% 22.25% 25.50% 28.00% 28.50% 29.25%
51 to 55 years NA NA NA 21.00% 24.25% 27.75% 27.25% 27.00%
56 to 60 years NA NA NA NA 22.75% 26.25% 26.25% 25.25%

There will be additional benefit payable for policies with Annualized Premium more than ₹ 50,000. The additional guaranteed income rate, expressed as % of Annualized Premium, for each premium band threshold is provided in the table below:

Annualized Premium 50,000 100,000 200,000 300,000 500,000 ≥ 1,000,000
Additional rate 0.00% 0.75% 1.00% 1.75% 2.00% 2.00%

TERMINAL BONUS

Terminal Bonus or Final additional bonus is paid at maturity or at the time of death claim. After declaring reversionary bonuses, if there are still additional profits available in the policy, they are declared as Terminal Bonus.

For the below participating policies, the terminal bonus is declared as a percentage of the Sum Assured.

FY 2023

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Cashbak Series II 105N005V02 15 20.0%
ICICI Pru Cashbak Series II 105N005V02 20 & above 40.0%
ICICI Pru Smartkid Series I 105N014V01 21 70.0%
ICICI Pru Smartkid Series I 105N014V01 22 & above 75.0%
ICICI Pru Smartkid Series II 105N014V02 12 17.5%
ICICI Pru Smartkid Series II 105N014V02 13 22.5%
ICICI Pru Smartkid Series II 105N014V02 14 25.0%
ICICI Pru Smartkid Series II 105N014V02 15 30.0%
ICICI Pru Smartkid Series II 105N014V02 16 35.0%
ICICI Pru Smartkid Series II 105N014V02 17 40.0%
ICICI Pru Smartkid Series II 105N014V02 18 47.5%
ICICI Pru Smartkid Series II 105N014V02 19 52.5%
ICICI Pru Smartkid Series II 105N014V02 20 57.5%
ICICI Pru Smartkid Series II 105N014V02 21 & above 60.0%
ICICI Pru Save 'n' Protect Series I 105N004V01 10 5.0%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 to 15 20.0%
ICICI Pru Save 'n' Protect Series I 105N004V01 16 20.0%
ICICI Pru Save 'n' Protect Series I 105N004V01 17 30.0%
ICICI Pru Save 'n' Protect Series I 105N004V01 18 30.0%
ICICI Pru Save 'n' Protect Series I 105N004V01 19-21 47.5%
ICICI Pru Save 'n' Protect Series I 105N004V01 22 & above 50.0%
ICICI Pru Save 'n' Protect Series I 105N004V01 23 50.0%
ICICI Pru Save 'n' Protect Series II 105N004V02 10 10.0%
ICICI Pru Save 'n' Protect Series II 105N004V02 11 12.5%
ICICI Pru Save 'n' Protect Series II 105N004V02 12 15.0%
ICICI Pru Save 'n' Protect Series II 105N004V02 13 20.0%
ICICI Pru Save 'n' Protect Series II 105N004V02 14 22.5%
ICICI Pru Save 'n' Protect Series II 105N004V02 15 22.5%
ICICI Pru Save 'n' Protect Series II 105N004V02 16 25.0%
ICICI Pru Save 'n' Protect Series II 105N004V02 17 30.0%
ICICI Pru Save 'n' Protect Series II 105N004V02 18 40.0%
ICICI Pru Save 'n' Protect Series II 105N004V02 19 42.5%
ICICI Pru Save 'n' Protect Series II 105N004V02 20 45.0%
ICICI Pru Save 'n' Protect Series II 105N004V02 21 & above 47.5%
ICICI Pru Whole Life 105N116V01 10 - 11 35.0%
ICICI Pru Whole Life 105N116V01 12 & above 40.0%
ICICI Pru Future Secure 105N117V01 12 & above 40.0%
ICICI Pru Forever Life Regular Premium Series I 105N001V01 21 & above 80.0%
ICICI Pru Forever Life Regular Premium Series II 105N001V02 13 & above 80.0%
ICICI Pru Savings Suraksha - Regular pay 105N135V01 10 & above 15.5%
ICICI Pru Savings Suraksha - Limited pay 105N135V01 10 & above 15.5%

FY 2022

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 10%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 to 15 30%
ICICI Pru Save 'n' Protect Series I 105N004V01 16 to 18 35%
ICICI Pru Save 'n' Protect Series I 105N004V01 19 45%
ICICI Pru Save 'n' Protect Series I 105N004V01 20 45%
ICICI Pru Save 'n' Protect Series I 105N004V01 21 and above 55%
ICICI Pru Save 'n' Protect Series II 105N004V02 10 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 11 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 12 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 13 30%
ICICI Pru Save 'n' Protect Series II 105N004V02 14 35%
ICICI Pru Save 'n' Protect Series II 105N004V02 15 35%
ICICI Pru Save 'n' Protect Series II 105N004V02 16 40%
ICICI Pru Save 'n' Protect Series II 105N004V02 17 45%
ICICI Pru Save 'n' Protect Series II 105N004V02 18 50%
ICICI Pru Save 'n' Protect Series II 105N004V02 19 and above 55%
ICICI Pru Smartkid Series I 105N014V01 20 and above 75%
ICICI Pru Smartkid Series II 105N014V02 10 20%
ICICI Pru Smartkid Series II 105N014V02 11 20%
ICICI Pru Smartkid Series II 105N014V02 12 25%
ICICI Pru Smartkid Series II 105N014V02 13 30%
ICICI Pru Smartkid Series II 105N014V02 14 35%
ICICI Pru Smartkid Series II 105N014V02 15 40%
ICICI Pru Smartkid Series II 105N014V02 16 45%
ICICI Pru Smartkid Series II 105N014V02 17 50%
ICICI Pru Smartkid Series II 105N014V02 18 60%
ICICI Pru Smartkid Series II 105N014V02 19 and above 65%
ICICI Pru Cashbak Series I 105N005V02 20 50%
ICICI Pru Cashbak Series II 105N005V02 15 25%
ICICI Pru Cashbak Series II 105N005V02 20 45%
Future Secure 105N117V01 11 and above 45%
Whole Life 105N116V01 10 and above 45%
Forever Life Regular Premium Series I 105N001V01 20 and above 55%
Forever Life Regular Premium Series II 105N001V02 11 20%
Forever Life Regular Premium Series II 105N001V02 12 25%
Forever Life Regular Premium Series II 105N001V02 13 & 14 30%
Forever Life Regular Premium Series II 105N001V02 15 40%
Forever Life Regular Premium Series II 105N001V02 16 45%
Forever Life Regular Premium Series II 105N001V02 17 50%
Forever Life Regular Premium Series II 105N001V02 18 and above 55%

FY 2021

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 15%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 to 15 30%
ICICI Pru Save 'n' Protect Series I 105N004V01 16 to 18 35%
ICICI Pru Save 'n' Protect Series I 105N004V01 19 to 20 50%
ICICI Pru Save 'n' Protect Series I 105N004V01 21 and above 55%
ICICI Pru Save 'n' Protect Series II 105N004V02 10 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 11 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 12 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 13 30%
ICICI Pru Save 'n' Protect Series II 105N004V02 14 to 15 35%
ICICI Pru Save 'n' Protect Series II 105N004V02 16 40%
ICICI Pru Save 'n' Protect Series II 105N004V02 17 45%
ICICI Pru Save 'n' Protect Series II 105N004V02 18 50%
ICICI Pru Save 'n' Protect Series II 105N004V02 19 and above 60%
ICICI Pru Smartkid Series I 105N014V01 19 65%
ICICI Pru Smartkid Series I 105N014V01 20 and above 75%
ICICI Pru Smartkid Series II 105N014V02 10 & 11 20%
ICICI Pru Smartkid Series II 105N014V02 12 25%
ICICI Pru Smartkid Series II 105N014V02 13 30%
ICICI Pru Smartkid Series II 105N014V02 14 35%
ICICI Pru Smartkid Series II 105N014V02 15 40%
ICICI Pru Smartkid Series II 105N014V02 16 45%
ICICI Pru Smartkid Series II 105N014V02 17 50%
ICICI Pru Smartkid Series II 105N014V02 18 60%
ICICI Pru Smartkid Series II 105N014V02 19 and above 65%
ICICI Pru Cashbak Series I 105N005V02 20 50%
ICICI Pru Cashbak Series II 105N005V02 15 25%
Future Secure 105N117V01 10 and above 45%
Whole Life 105N116V01 10 and above 45%
Forever Life Regular Premium Series I 105N001V01 19 and above 55%
Forever Life Regular Premium Series II 105N001V02 10 & 11 25%
Forever Life Regular Premium Series II 105N001V02 12 to 14 35%
Forever Life Regular Premium Series II 105N001V02 15 40%
Forever Life Regular Premium Series II 105N001V02 16 45%
Forever Life Regular Premium Series II 105N001V02 17 50%
Forever Life Regular Premium Series II 105N001V02 18 and above 55%

FY 2020

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 15%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 to 15 25%
ICICI Pru Save 'n' Protect Series I 105N004V01 16 to 18 40%
ICICI Pru Save 'n' Protect Series I 105N004V01 19 and above 45%
ICICI Pru Save 'n' Protect Series II 105N004V02 10 and 11 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 12 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 13 to 16 30%
ICICI Pru Save 'n' Protect Series II 105N004V02 17 35%
ICICI Pru Save 'n' Protect Series II 105N004V02 18 and above 40%
ICICI Pru Smartkid Series I 105N014V01 18 and above 55%
ICICI Pru Smartkid Series II 105N014V02 10 & 11 15%
ICICI Pru Smartkid Series II 105N014V02 12 20%
ICICI Pru Smartkid Series II 105N014V02 13 & 14 30%
ICICI Pru Smartkid Series II 105N014V02 15 35%
ICICI Pru Smartkid Series II 105N014V02 16 45%
ICICI Pru Smartkid Series II 105N014V02 17 and above 50%
ICICI Pru Cashbak Series I 105N005V02 20 50%
ICICI Pru Cashbak Series II 105N005V02 15 25%
ICICI Pru Anmol Bachat Series I 105N139V01 5 10%
Future Secure 105N117V01 10 45%
Whole Life 105N116V01 10 35%
Forever Life Regular Premium Series I 105N001V01 18 and above 50%
Forever Life Regular Premium Series II 105N001V02 10 & 11 25%
Forever Life Regular Premium Series II 105N001V02 12 to 14 35%
Forever Life Regular Premium Series II 105N001V02 15 40%
Forever Life Regular Premium Series II 105N001V02 16 45%
Forever Life Regular Premium Series II 105N001V02 17 and above 50%

FY 2019

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 15%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 to 15 30%
ICICI Pru Save 'n' Protect Series I 105N004V01 16 to 18 35%
ICICI Pru Save 'n' Protect Series I 105N004V01 19 and above 45%
ICICI Pru Save 'n' Protect Series II 105N004V02 10 and 11 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 12 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 13 to 16 30%
ICICI Pru Save 'n' Protect Series II 105N004V02 17 and above 35%
ICICI Pru Smartkid Series I 105N014V01 17 and above 50%
ICICI Pru Smartkid Series II 105N014V02 10 15%
ICICI Pru Smartkid Series II 105N014V02 11 20%
ICICI Pru Smartkid Series II 105N014V02 12 25%
ICICI Pru Smartkid Series II 105N014V02 13 to 14 35%
ICICI Pru Smartkid Series II 105N014V02 15 35%
ICICI Pru Smartkid Series II 105N014V02 16 and above 45%
ICICI Pru Cashbak Series II 105N005V02 15 25%
ICICI Pru Anmol Bachat Series I 105N139V01 5 10%
ICICI Pru Forever Life Regular Premium Series I 105N001V01 15 and above 35%
ICICI Pru Forever Life Regular Premium Series II 105N001V02 7 to 9 20%
ICICI Pru Forever Life Regular Premium Series II 105N001V02 10 to 11 25%
ICICI Pru Forever Life Regular Premium Series II 105N001V02 12 and above 35%

FY 2018

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 15%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 to 15 30%
ICICI Pru Save 'n' Protect Series I 105N004V01 16 and above 35%
ICICI Pru Save 'n' Protect Series II 105N004V02 10 and 11 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 12 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 13 and above 30%
ICICI Pru Smartkid Series I 105N014V01 16 and above 45%
ICICI Pru Smartkid Series II 105N014V02 10 15%
ICICI Pru Smartkid Series II 105N014V02 11 20%
ICICI Pru Smartkid Series II 105N014V02 12 25%
ICICI Pru Smartkid Series II 105N014V02 13 and above 35%
ICICI Pru Cashbak Series II 105N005V02 15 25%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 15 and above 35%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 7 to 8 20%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 10 to 11 25%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 12 and above 35%

FY 2017

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 15%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 and above 30%
ICICI Pru Save 'n' Protect Series I 105N004V01 16 and above 35%
ICICI Pru Save 'n' Protect Series II 105N004V02 10 and 11 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 12 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 13 and above 30%
ICICI Pru Smartkid Series I 105N014V01 15 and above 45%
ICICI Pru Smartkid Series II 105N014V02 10 15%
ICICI Pru Smartkid Series II 105N014V02 11 20%
ICICI Pru Smartkid Series II 105N014V02 12 25%
ICICI Pru Smartkid Series II 105N014V02 13 and above 35%
ICICI Pru Cashbak Series I 105N005V01 15  35%
ICICI Pru Cashbak Series II 105N005V01 15 25%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 15 and above 35%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 6 to 8 20%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 10 25%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 12 and above 35%
ICICI Pru Forever Life Single Premium 105N002V01 15 35%

FY 2016

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 20%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 and above 30%
ICICI Pru Save 'n' Protect Series II 105N004V02 10 and 11 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 12 and above 25%
ICICI Pru Smartkid Series I 105N014V01 14 and above 35%
ICICI Pru Smartkid Series II 105N014V02 10 15%
ICICI Pru Smartkid Series II 105N014V02 11 20%
ICICI Pru Smartkid Series II 105N014V02 12 and above 25%
ICICI Pru Cashbak Series I 105N005V01 15 and above 35%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 14 and above 35%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 5 to 9 20%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 10 and 11 30%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 12 and above 35%
ICICI Pru Forever Life Single Premium 105N002V01 14 and above 35%

FY 2015

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 30%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 and above 40%
ICICI Pru Save 'n' Protect Series II 105N004V02 8 to 10 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 11 and above 25%
ICICI Pru Smartkid Series I 105N014V01 13 and above 35%
ICICI Pru Smartkid Series II 105N014V02 11 and above 25%
ICICI Pru Cashbak Series I 105N005V01 15 and above 35%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 13 and above 35%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 5 to 9 20%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 10 and above 35%
ICICI Pru Forever Life Single Premium 105N002V01 13 and above 40%

FY 2014

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 11 to 12 25%
ICICI Pru Save 'n' Protect Series I 105N004V01 13 and above 30%
ICICI Pru Save 'n' Protect Series II 105N004V02 8 to 10 15%
ICICI Pru Save 'n' Protect Series II 105N004V02 11 and above 20%
ICICI Pru Smartkid Series I 105N014V01 11 and above 25%
ICICI Pru Smartkid Series II 105N014V02 10 15%
ICICI Pru Smartkid Series II 105N014V02 11 and above 20%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 12 to 13 25%
ICICI Pru Forever Life Regular Premium Series-II 105N001V01 5 to 12 20%
ICICI Pru Forever Life Single Premium 105N002V01 12 to 13 30%

FY 2013

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 11 to 12 25%
ICICI Pru Save 'n' Protect Series I 105N004V01 13 and above 30%
ICICI Pru Save 'n' Protect Series II 105N004V02 8 to 10 15%
ICICI Pru Save 'n' Protect Series II 105N004V02 11 and above 20%
ICICI Pru Smartkid Series I 105N014V01 11 to 12 25%
ICICI Pru Smartkid Series II 105N014V02 10 15%
ICICI Pru Smartkid Series II 105N014V02 11 and above 20%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 11 to 12 25%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 5 to 11 20%
ICICI Pru Forever Life Single Premium 105N002V01 11 to 12 30%

FY 2012

Product UIN Terminal Bonus Rate
ICICI Pru Forever Life Regular Premium, Series I 105N001V01 20%
ICICI Pru Forever Life Regular Premium, Series II 105N001V02 15%
ICICI Pru Forever Life Single Premium 105N002V01 25%
ICICI Pru Smartkid Series I 105N014V01 20%
ICICI Pru Smartkid Series II 105N014V02 15%
ICICI Pru Save 'n' Protect Series I 105N004V01 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 15%

FY 2011

Product UIN Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N001V01 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 15%
ICICI Pru Smart kid Series I 105N014V01 20%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 20%
ICICI Pru Forever Life Regular Premium Series-II 105N001V01  
Policy Term:  
up to 7 years 10%
8 years 20%
9 years and above 25%
ICICI Pru Forever Life Single Premium 105N002V01 25%

FY 2010

 

Product UIN Terminal Bonus Rate
ICICI Pru Forever Life Regular Premium, Series I 105N001V01 15%
ICICI Pru Forever Life Regular Premium, Series II 105N001V02 20%
ICICI Pru Forever Life Single Premium 105N002V01 25%
ICICI Pru Save 'n' Protect Series I 105N004V01 15%

FY 2009

 

Product UIN Terminal Bonus Rate
ICICI Pru Forever Life Regular Premium, Series II 105N001V02 5%
ICICI Pru Forever Life Single Premium 105N002V01 10%

CONTINGENT REVERSIONARY BONUS:

Contingent Reversionary Bonus is:

  1. accrued on policies which become paid up in the policy year for which a CRB is declared and is paid out on subsequent claim by death, maturity or surrender
  2. paid when an inforce premium paying policy surrenders in the policy year for which a CRB is declared The contingent reversionary bonus is applicable till the next declaration
Product Premium Payment Term Policy Term 5 years premium paid/ Policy Year 5 6 years premium paid/ Policy Year 6 7 years premium paid/ Policy Year 7 8 years premium paid/ Policy Year 8 9 years premium paid/ Policy Year 9 10 years premium paid/ Policy Year 10 11 years premium paid/ Policy Year 11
ICICI Pru Cash Advantage 5 15 35% 35% 35% 35% 40% 40% 40%
7 17 20% 35% 35% 35% 40% 40% 40%
10 20 20% 30% 35% 40% 45% 50% 50%
ICICI Pru Savings Suraksha LP 5 Less than 15 15% 15% 15% 15% 15% 15% 15%
7 10% 15% 15% 15% 15% 15% 15%
5 15 and above 35% 35% 35% 35% 35% 35% 35%
7 25% 25% 25% 25% 25% 25% 25%
10 10% 15% 15% 15% 20% 20% 20%
12 10% 15% 15% 20% 20% 20% 20%
ICICI Pru Savings Suraksha RP All All 5% 10% 10% 15% 15% 15% 15%
ICICI Pru Future Perfect 5 Less than 15 60% 60% 60% 60% - - -
7 50% 60% 65% 65% - - -
All 15 and above 45% 55% 65% 75% - - -

Past performance not indicative of future performance.

© 2015, ICICI Prudential Life Insurance Co. Ltd. Registered Address: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Reg No: 105. Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions, please read the product brochure carefully before concluding a sale. COMP/DOC/May/2023/185/3052.

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