Your family relies on you for everything they need in their life. However before everything else, they look out for care, security and financial stability from you. With life insurance, you can guarantee you’ll always be there for your loved ones, even in your absence. Life insurance plans from ICICI Prudential Life helps you secure your family’s financial future and also fulfil their dreams and aspirations. So, wait no more. Sabse pehle choose from our wide range of plans to lead a worry-free life now and forever.
#SabsePehleLifeInsurance

 

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Term plan with a range of options that you can select as per your budget.

Key Benefits
  • Choose to get life cover as monthly income, lump sum or a combination as per your family’s needs
  • Get claim payout on first diagnosis of 34 critical illnesses (optional)^
  • Get accidental death benefit up to 2 crore (optional)+
  • Longer cover till age 99
Key Benefits
  • Grow your wealth through market linked returns
  • Life cover1 to protect your loved ones
  • Return of Mortality and premium allocation charges2
  • Maturity booster3 at policy maturity to boost your fund value
  • Withdraw money regularly from your policy with SWP4
Key Benefits
  • Ensure right life cover1 to protect yourself adequately at every life-stage2
  • Get 105% of your premium back3 or get monthly income from age 60 on survival/maturity
  • Get claim payout on diagnosis of 64 critical illnesses4 (optional)
  • Accidental death benefit5 cover up to 2 crore (optional)
  • Tax benefit6 as per prevailing tax law
Key Benefits
  • Life cover1 to secure your family
  • Tax benefits2 as per prevailing tax laws
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A protection plan that covers your loved ones and ensures that nothing ever comes in the way of their dreams.

Key Benefits
  • Security of your loved ones’ future even in your absence
  • Tax benefits^
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Ensure your family’s financial security even in your absence with a Life Cover while enjoying tax benefits.

Key Features
  • Cover for individuals with existing health problems
  • Choose to receive the benefit amount as a lump sum or as monthly income or a combination of both
  • Option to enhance safety net with Accidental Death Benefit**
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Ensure your family’s financial security even in your absence with a Life Cover while enjoying tax benefits.

Key Features
  • Security of your loved ones’ future even in your absence
  • Tax benefits^
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Protect your loved ones with a Life Cover while enjoying tax benefits

Key Features
  • Life cover at affordable premiums
  • Option to choose additional accidental death benefit*
  • Tax benefits^
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Ensure your family’s financial security even in your absence with a Life Cover while enjoying tax benefits.

Key Features
  • Security of your loved ones’ future even in your absence
  • Tax benefits^
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Make sure the loans you take to achieve your dreams are taken care of, even in your absence.

Key Features
  • Protection against loan liability for your loved ones
  • Premium payment as per your comfort
  • Tax benefits^
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A plan that secures your family from loan liability while offering you additional protection of Accident and Disability cover.

Key Features
  • Protection against loan liability for your loved ones
  • Premium payment as per your comfort
  • Option of Accident and Disability cover* for extra protection
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Get complete protection from Heart ailments and Cancer for you and your spouse.

Key Features
  • Get the claim amount on diagnosis*
  • No restrictions on your choice of hospital
  • Waiver of future premiums** for Minor conditions of Cancer or Heart for full policy term
  • Get tax benefits^ up to ` 7,800 under Section 80D of the Income Tax Act
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Designed for the preferred customer like you, ICICI Pru Signature offers life cover to secure your family along with flexible investment options to help you achieve your goals.

Key Benefits
  • Financial protection for your loved ones with life insurance cover
  • Return of mortality and policy administration charges1
  • Enjoy policy benefits till 99 years of age with Whole Life policy term option
  • Withdraw money regularly from your policy with SWP2
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Designed for the preferred customer like you, ICICI Pru Signature offers life cover to secure your family along with flexible investment options to help you achieve your goals.

Key Benefits
  • Financial protection for your loved ones with life insurance cover
  • Return of Total Premium Allocation Charges more than once*
  • Value Benefit to reward higher premiums^
  • Enjoy policy benefits till 99 years of age with Whole Life policy term option
  • Systematic withdrawal plan to withdraw money regularly from your policy~
Key Benefits
  • Grow your money mainifold for child's big day with market investment
  • Take out money anytime at key educational milestones of your child
  • Policy will continue uninterrupted`even in absence of parents
  • Tax benefits* under Section 10(10D) and 80C
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Achieve your goals with a single premium plan that invests your complete premium and provides a life insurance cover also .

Key Benefits
  • Invest only once and enjoy benefits for entire policy term
  • 100% amount invested in wide range of funds
  • Choice of multiple funds
  • Up to 10 times life cover* to protect your loved ones
  • Tax benefits^ on premiums paid and maturity benefit under Sec 80C and Sec 10(10D) of IT Act, 1961
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Achieve your financial goals with growth potential of equity, debt and balanced funds along with life cover to protect your loved ones.

Key Benefits
  • Life cover to protect your loved ones
  • Various choice of funds to invest and grow your money (equity, debt or balanced funds)
  • Choice of 4 portfolio strategies*
  • Get Loyalty Additions & Wealth Boosters** by just staying invested in the plan
  • Get tax benefits^ under Section 80C of Income Tax Act 1961, up to ` 46,800
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Achieve your dreams with the best of both worlds - the potential for better returns and capital guarantee**

Key Benefits
  • No risk to capital: 101% Money back guarantee*
  • Life cover to protect your loved ones
  • Loyalty Additions and Wealth Boosters** for staying invested for the policy term
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A plan that safeguards your family’s future with the promise of continued potential wealth creation even when you are not around.

Key Benefits
  • Comprehensive Protection
  • Premium Waiver Benefit*
  • Life cover
  • Loyalty Additions & Wealth Boosters**
Key Benefits
  • Choice of investment strategy to suit your needs.
  • Rewards of Wealth Boosters and Loyalty Additions** for long term investments.
  • Security of your loved ones with premium waived* in your absence.
Key Benefits
  • Financial protection for your loved ones with life cover
  • Zero Premium allocation charges
  • Return of mortality and policy administration charges1
  • Tax benefits^ as per prevailing tax laws
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Key Benefits
  • Grow your wealth through market linked returns
  • Life cover1 to secure your loved ones
  • Systematic withdrawal plan2 to withdraw money regularly from your policy
  • Choice of 4 portfolio strategies and wide range of funds4
Key Benefits
  • Regular income1 up to 99 years of age followed by a lump sum2 on maturity
  • Option to start receiving income immediately from the end of 1st policy year/month or defer3 it for a few years as per your need
  • Protection through life cover4 till up to 99 years of age
  • Tax benefits5 may be applicable on premiums paid and benefits received as per prevailing tax laws
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Non Linked Participating Individual Life Insurance Savings Product

Key Benefits
  • Choice to avail benefits as either Income or Lump sum
  • Life cover1 for financial protection of your loved ones
  • Option to receive income on any date of your choice with ‘Save the Date’2
  • Option to accumulate income and withdraw it later as per your convenience with ‘Savings Wallet’3
  • Tax benefits4 may be applicable on premiums paid and benefits received as per prevailing tax laws
Key Benefits

     

  • Guaranteed Income2 to help you achieve your financial goals
  • Flexibility to choose Percentage of MoneyBack Benefit4 and when you want to receive MoneyBack Benefit4
  • Life Insurance Cover1 for financial security of your family
  •  

    2 Conditions apply
Key Benefits

  • Guaranteed Income1 to help you achieve your long-term goals
  • Option to get back 110% of total premiums paid2
  • Life insurance cover3 for financial security of your family
  • Tax benefits4 may be applicable on premiums paid and benefits received as per the prevailing tax laws
  • 1Conditions apply

Key Benefits

     

     

  • Guaranteed Income1 to help you achieve your long-term goals
  • Option to get back 110% of total premiums paid2
  • Life insurance cover3 for financial security of your family
  •  

     

    1Conditions apply

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A protection and savings oriented life insurance plan with guaranteed benefits to help you achieve your life goals.

Key Benefits
  • Guaranteed benefits1 in the form of lump sum or regular income to achieve your life goals
  • Option to receive guaranteed income from 2nd year onwards2
  • Life insurance cover3 for financial security of your family
  • Tax benefits4 may be applicable on premiums paid and benefits received as per prevailing tax laws
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A Non-Linked Participating Individual Savings Life Insurance Plan

Key Benefits
  • Life cover to protect your loved ones
  • Guaranteed Maturity Benefit and Guaranteed Additions *
  • Get Reversionary and Terminal Bonus, if declared, over and above the maturity benefits of the policy**
  • Tax benefits may be applicable to premiums paid and benefits received as per the prevailing tax laws
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Protect your loved ones and secure their dreams with guaranteed1 wealth growth.

Key Benefits
  • Grow wealth with Guaranteed Maturity Benefit~
  • Get Guaranteed Additions @9%-11% every year^
  • Secure your loved ones with Life Cover
  • Tax benefits4 may be applicable on premiums paid and benefits received as per the prevailing tax laws
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Get dual assurances of guaranteed benefits and life cover, while complementing your investment corpus with bonuses that offer potentially higher return.

Key Benefits
  • Guaranteed Additions and Guaranteed Maturity Benefit by staying invested*
  • Security of your loved ones with potential for wealth creation and Life Cover
  • Get Reversionary and Terminal Bonus, if any, on maturity of the plan**
  • Get tax benefits^ under Section 80C and 10(10D) of Income Tax Act 1961

Key Benefits
  • Grow your money mainifold for child's big day with market investment
  • Take out money anytime at key educational milestones of your child
  • Policy will continue uninterrupted` even in absence of parents
  • Tax benefits* under Section 10(10D) and 80C
Key Benefits

  • Build your retirement savings with guaranteed benefits1 & bonuses2
  • Tax-free commutation of upto 60% of the vesting benefit3
  • Flexibility of cash withdrawals4
  • Free health check-up5
  • 1 T&C Apply
Key Benefits
  • 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
  • Meet your healthcare and lifestyle needs through additional payout options1
  • Financial security for your family even in your absence, with the Waiver of Premium feature3
  • Annuity plan can cover either single or joint life2
  • Tax benefits as per prevailing tax laws
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Deferred Annuity
Get a guaranteed~ income^^ for life with the option to defer income by upto 10 years. You also have a choice of getting back your purchase price on diagnosis of a Critical illness (CI) or Permanent Disability due to accident (PD).

Key Benefits
  • 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
  • Annuity plan can cover either single or joint life*
  • Flexible payout options to suit your need#
  • Tax benefits^ on premium paid u/s 80CCC of Income Tax Act, 1961
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Immediate Annuity
Get a guaranteed~ income^^ for life immediately. You also have a choice of getting back your purchase price in your survival years1.

Key Benefits
  • Single premium plan to get guaranteed~ income^^ immediately for the rest of your life
  • Annuity plan can cover either single or joint life*
  • Flexible payout options to suit your need#
  • Tax benefits^ on premium paid u/s 80CCC of Income Tax Act, 1961
  • Purchase annuities from your savings or accumulated NPS corpus
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Get a guaranteed~ income^^ for life immediately with the choice to opt for single life or joint life option.

Key Benefits
  • Pay just once and get a guaranteed~ lifelong income^^
  • Continue pension for spouse after you with the Joint Life1 option
  • Purchase Price is returned back to your nominee2
  • Option to avail a loan against your policy3
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A plan that provides equity linked growth while providing a safety net of capital protection.

Key Benefits
  • Build your retirement corpus as per your risk appetite
  • Protect your savings from market downturns through an Assured Benefit*
  • Pay premium only once and get regular pension post retirement
  • Get rewarded with Pension Boosters^
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A plan that provides regular income for you in your golden years with the potential growth of equity and debt funds while ensuring that you do not lose your money no matter what**.

Key Benefits
  • Build your retirement corpus as per your risk appetite
  • Your capital is protected from market downturns through Assured Benefit*
  • Option to increase your investment through Top-Ups**
  • Get rewarded with Pension Boosters^
Key Features
  • Protection against accidental death1 and disabilities2.
  • Get cover of up to the sum assured3 of the base policy.
  • Flexible payment and rider coverage term combinations.
Key Features
  • Protection against accidental death1 and disabilities2.
  • Get cover of up to the sum assured3 of the base policy.
  • Flexible payment and rider coverage term combinations.
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Key Features
  • Life cover in addition to the base policy's cover in the event of death due to accident
  • Sum Assured equal to base plan coverage
  • Available with ICICI Pru Signature, ICICI Pru Lifetime Classic and ICICI Pru Smart Life
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Key Features
  • COVID-19 Hospitalization Benefit: get 25% of the rider Sum Assured on hospitalization* for minimum 72 hours due to COVID-19
  • Life Insurance Cover: Covers death due to any reason#
  • Corona Protect rider is available with ICICI Pru Guaranteed Income for Tomorrow
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Key Features
  • COVID-19 Hospitalization Benefit: Get 25% of the rider Sum Assured on hospitalization* for minimum 72 hours due to COVID-19
  • Life Insurance Cover: Covers death due to any reason#
  • Corona Protect Plus rider is available with ICICI Pru Lifetime Classic
Key Features
  • Protection against critical illnesses3 accidental death2 and disabilities1
  • Get cover of up to the sum assured of the base policy
  • Flexible payment and rider coverage term combinations
  • Available as rider with base product
Key Features
  • Protection against critical illnesses3 accidental death2 and disabilities1
  • Get cover of up to the sum assured of the base policy
  • Flexible payment and rider coverage term combinations
  • Available as rider with base product
Key Features
  • Protection against accidental death1 and disabilities2
  • Option to add the rider benefit to base master policy at inception or at any subsequent master policy renewal of the base master policy
  • Flexibility to pay premiums in single pay, yearly (annual), half-yearly, quarterly or monthly mode
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A plan that ensures financial security of your employees or members’ loved ones with a Life Cover.

Key Features
  • Life Cover at an affordable cost
  • Tax benefits^
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Help your employees lead an independent post-retirement life with this plan, which offers regular income for life.

Key Features
  • Meet annuity requirements
  • Employees receive regular income for life
  • Multiple pay-out options available
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Key Features
  • A comprehensive plan which offers multiple options to cover death and terminal illness, accidental death**, critical illness* and disability
  • Flexibility to choose between various reducing cover options. Moratorium periods of 3 and 7 years are available
  • Flexibility to choose coverage term up to a maximum of 30 years
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Key Features
  • The Government of India introduced PMJJBY as a low premium insurance scheme
  • This scheme is available to eligible savings bank account holders in the age group of 18 to 50 years
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Key Features
  • Offers protection to members availing of a loan
  • Simplified on boarding process
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Key Features
  • Offers protection to members at an affordable cost
  • Simplified on boarding process
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Key Features
  • Offers protection to members at an affordable cost
  • Simplified on boarding process
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Key Features
  • Offers protection to members availing of a loan
  • Choice of coverage options and benefit options to suit the members’ needs
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Key Features
  • ICICI Pru Super Protect – Life, a comprehensive plan that offers insurance protection at affordable cost to the members of your group in case of their unfortunate death.
  • Choice of coverage options and benefit options to suit the members’ needs
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Key Features
  • Helps trusts and organisations to manage their funds based Group Superannuation Schemes
  • Provides an option to manage Defined Benefit and Defined Contribution Schemes
  • Provides an option to invest in a variety of funds
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Key Features
  • Helps trusts and organisations to manage their funds based Defined Benefit Schemes
  • Provides an option to manage Group Gratuity, Leave Encashment, Post-Retirement Medical Benefit or Benevolent Schemes
  • Provides an option to invest in a variety of funds
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Key Features
  • Helps trusts and organisations to manage their funds based Group Defined Benefit Schemes
  • Provides an option to manage Group Gratuity, Post-retirement Medical Benefit Schemes or Leave Encashment Schemes
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Key Features
  • Helps trusts and organisations to manage their funds based Group Superannuation Schemes
  • Provides an option to manage Defined Benefit and Defined Contribution Schemes
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A plan that secures your loved ones against unforeseen circumstances at an affordable cost.

Key Features
  • Affordable life cover to protect your family
  • Protection at an affordable cost
  • Security of your loved ones’ future even in your absence
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A plan that protects and grow your savings and provides you a life cover.

Key Features
  • Savings with comfort of guarantees
  • Protection at affordable cost
  • Flexibility of payment
  • Tax benefits^
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Dual benefit of Life and Health Insurance in one proposition

Key Features
  • Life cover1 till the age of 85 years
  • Option of getting a life cover as monthly income or lump sum as per your family’s needs
  • Waiver of future premiums2 in case of permanent disability due to an accident
  • Cashless hospitalisation3 at any of our network providers/hospitals
  • Pre and post hospitalisation4 expenses covered
  • Day care5 treatment: covers expenses for hospitalisation where 24 hours of hospitalisation isn’t required
  • Tax benefits6 may be applicable on premiums paid and benefits received as per prevailing tax laws

Pure Protection Plans

These are the simplest form of life insurance plans. They offer a financial cover for a specific period or term. In case of an unfortunate event within this term, these policies pay a predetermined amount to your dependents. This helps you secure their needs in your absence.

 

 

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Protection + Savings & Retirement Plans

These are insurance plans that go beyond providing protection. Retirement plans help you save for you retirement, whereas Protection + Savings plans help you create wealth while offering the benefit of a Life Cover.

 

 

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Group Plans

Group Insurance Plans are life insurance solutions which are especially crafted for members belonging to a professional, financial or cultural organization. Our range of Group Plans offer you various benefits that suit your needs.

 

 

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Rural Plans

Our rural business initiative has played a very important role in reaching the underserved segment through rural insurance plans. Along with hassle-free and simple procedures, these plans offer a Life Cover at low premiums.

 

 

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ICICI Pru iProtect Smart
*Accelerated Critical Illness Benefit (ACI Benefit) is up to Rs.1 Crore (Subjected to underwriting guidelines). 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.
**Accidental Death benefit (ADB) is up to Rs. 2 Crores(Subjected to Underwriting guidelines). ADB is available in Life Plus and All in One options. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit term will be equal to the policy term or (80-Age at entry), whichever is lower.
^Tax benefit of `54,600 (`46,800 u/s 80C & `7,800 u/s 80D) 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 and health premium u/s 80D of `25,000. 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 Pru iProtect Smart UIN . W/II/1058/2023-24

ICICI Pru Saral Jeevan Bima
1Life Cover is the benefit payable on death of the life assured.
2Statutory 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 .


ICICI Pru iCare II
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru iCare II UIN


ICICI Pru Precious Life
*Subject to the age boundaries and Company’s underwriting policy.
**Accidental Death Benefit (ADB) is available in Life Plus option. In case of death due to an accident ADB will be paid out in addition to Death Benefit. To know more about definitions, terms & conditions applicable for Accidental Death Benefit, kindly refer sales brochure of ICICI Pru Precious Life. ICICI Pru Precious Life UIN : .


ICICI Pru Life Raksha
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru Life Raksha UIN 105N149V02


ICICI Pru POS iProtect Smart
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time.
*Accidental Death Benefit (ADB) is available in Life Plus option. In case of death due to an accident ADB will be paid out in addition to Death Benefit. To know more about definitions, terms & conditions applicable for Accidental Death Benefit, kindly refer sales brochure of ICICI Pru POS iProtect Smart. ICICI Pru POS iProtect Smart UIN


ICICI Pru POS Life Raksha
^Tax benefits under the policy are subject to conditions u/s 80C, 80D and 10(10D) of the Income Tax Act, 1961. Service tax and applicable cesses will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru POS Life Raksha UIN


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, 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 Pru Heart Cancer Protect UIN

ICICI Pru Signature Online
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. UIN:

ICICI Pru Signature
* The total of Premium Allocation Charges (excluding Top-up premium allocation charges) deducted in the policy net of taxes will be added back to the Fund Value at the end of 10th policy year. The same amount will be added again at the end of every 5th policy year thereafter.

^Value Benefit is 5% of the annual premium and will be added to the fund value as extra units on receipt of 2nd year’s premium for Premier Plan and on receipt of 2nd year and 6th year’s premiums for Exclusive Plan. For non-annual modes of premium payment, value benefit will be added as and when modal premiums are received for Premier and Exclusive plan option.

Policy Year Plan option
Premier Exclusive
2 5% 5%
6 - 5%

Value Benefit in 6th policy year is not applicable for premium payment term of 5 years.
Value Benefit is not applicable for Single Pay policies and on top-up premiums.
Value Benefit 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.

~ Systematic Withdrawal Plan is allowed only after the first five policy years, provided the monies are not in the discontinued policy fund. UIN:

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 1.25 times Single Premium 1.25 times Single Premium

^ 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.

^^ Nothing herein contained shall operate to destroy or impede the right of any creditor to be paid out of the proceeds of any policy of assurance, which may have been effected with intent to defraud creditors. In case of any third party claim in the Courts of India with regards to the insurance proceeds, the amount shall be subject to the judiciary directions. Please seek professional legal advice for the applicability of this provision. ICICI Pru1 Wealth UIN:.

ICICI Pru LifeTime Classic
* The Policyholder can have funds in only one of the Portfolio Strategies. ** The Company will allocate extra units as below provided all due premiums have been paid:

Premium payment term Loyalty Additions Wealth Boosters
(End Of Year 6 And 7) (End Of Year 8 And Onwards) (End Of Every 5th Year, Starting From The End Of 10th Policy Year)
5 years – 6 years 0.10% 0.10% 1%
7 years – 9 years 0.15% 0.30% 1%
10 years and above 0.15% 0.30% 2%
Single Pay 0.25% 0.25% 1.5%
  • For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year
  • 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 as mentioned in the table above.
  • Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.
  • Loyalty Additions and Wealth Boosters 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 Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.
  • If the premium payment is discontinued any time after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above.

^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 Pru LifeTime Classic UIN ICICI Pru Unit Linked Accidental Death Rider UIN


ICICI Pru Guaranteed Wealth Protector
*On Maturity, you will receive higher of Fund Value including Loyalty Additions and Wealth Booster or Assured Benefit. Assured Benefit which will be 101% of the sum of all premiums paid. Assured Benefit is applicable only on maturity of the policy & does not apply on death or surrender.
**Loyalty Additions will be allocated as extra units at the end of every policy year, starting from the end of the sixth policy year, provided monies are not in Discontinued Policy (DP) Fund. Each Loyalty Addition will be equal to 0.25% of the average of the Fund Values on the last business day of the last eight policy quarters. Loyalty Additions 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 Loyalty Addition units is guaranteed and shall not be revoked by the Company under any circumstances. Wealth Booster will be allocated as extra units at the end of the tenth policy year. Wealth Booster will be a percentage of the average of Fund on the last business day of the last eight policy quarters (1.50% for One pay and 3.25% for Five pay and Seven Pay). Wealth Booster will be allocated between 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. ICICI Pru Guaranteed Wealth Protector UIN


ICICI Pru Smart Life Plan and ICICI Pru SmartCouple Plan with ICICI Pru Smart Life
*Under this benefit, following the date of death of the life assured, provided all due premiums have been paid, units equivalent to the installment premium will be allocated by the Company on the subsequent premium due dates. This benefit is not applicable for the One Pay option. On death of the Life Assured, the following conditions apply:

  • The Fund Value including Top up Fund Value, if any, will remain invested in the respective funds and portfolio strategies as on date of death of the Life Assured.
  • Only the Fund Management Charge and Policy Administration Charge will be levied. Units will be allocated as if Premium Allocation Charges are being deducted. Life Insurance Cover will not apply and mortality charges will not be deducted.
  • The policy cannot be surrendered. No policy alterations will be allowed. The Nominee will not be eligible for making partial withdrawals, paying top up premiums, performing switches, renewing Automatic Transfer Strategy (ATS), redirecting premium, effecting a change in portfolio strategy, opting for settlement option, increasing or decreasing premium payment term, increasing or decreasing Sum Assured, increasing or decreasing policy term.

**Loyalty Additions are applicable from the 6th policy year onwards 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 Limited/Regular Pay policies and 1.5% for Single Pay policies of the average of the Fund Values. ICICI Pru Smart Life UIN

ICICI Pru Guaranteed Income For Tomorrow (Long-term)
1Guaranteed Income will be payable subject to all due premiums being paid. ICICI Pru Guaranteed Income For Tomorrow (Long-term) offers four plan options namely 'Income' and 'Income with 110% ROP'. The customer can choose any plan option from the four available options. Please refer to the product brochure for more details.
2This benefit is available under Income with 110% ROP plan option.
3Life insurance cover is the benefit payable on death of the life assured during the policy term.
4Tax 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 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 (Long-term) UIN


ICICI Pru Guaranteed Income For Tomorrow (Long-term) POS
1Guaranteed Income will be payable subject to all due premiums being paid.
2This benefit is available under Assured Income with 110% ROP plan option.
3Life insurance cover is the benefit payable on death of the life assured during the policy term.
4Tax 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 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 (Long-term) UIN . ADVT: W/II/1690/2022-23


ICICI Pru Guaranteed Income For Tomorrow
1A guaranteed lump sum or regular income will be payable based on the plan option selected.
2This benefit is available under the Early Income plan option.
3Life insurance cover is the benefit payable on death of the life assured.
4Tax 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 applicable rates. The tax laws are subject to amendments from time to time. Please consult your tax advisor for details, before acting on above. ICICI Pru Guaranteed Income For Tomorrow UIN


ICICI Pru Savings Suraksha
*Your Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on policy term, premium, premium payment term, Sum Assured on death and gender. Your GMB may be lower than your Sum Assured on death. Guaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium.
**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 applied 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, if any. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Savings Suraksha UIN ADVT: W/II/0898/2023-24


ICICI Pru Assured Savings Insurance Plan
^Guaranteed Additions (GAs) rate will be 9% for policy term of 10 years, 10% for policy terms of 12 & 15 years and 11% for policy term of 16 & 20 years. GAs will be added to the policy at the end of every policy year if all due premiums have been paid. Each GA will be calculated as GA rate multiplied by the total premiums paid till date (excluding extra mortality premiums, Goods & Services Tax and Cess (if any)).
~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 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, 10(10D) , Sec 115BAC and other provisions of the Income Tax Act, 1961. Goods & Services Tax and Cess (if any) will be charged extra by redemption of units, as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. All policies issued from April 1, 2012, with sum assured (cover on death) less than 10 times of annual premium will not be eligible for tax benefit u/s 10(10D). Further tax benefit u/s 80C will be limited only up to 10% of Sum Assured. Please seek professional tax advice for applicability of tax benefits on premiums paid and benefits received. ICICI Pru Assured Savings Insurance Plan UIN: ADVT: W/II/1313/2023-24


ICICI Pru Future Perfect
*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 (GAs) is a percentage of annualized premium. 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.
** 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 applied through the compounding bonus method. All reversionary bonuses will be declared as a proportion of the sum of the GMB and the accrued reversionary bonuses, if any. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death.
^Tax benefits as per prevailing tax laws. Tax laws are subject to amendment from time to time. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Future Perfect Form No. E21 UIN

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/0926/2022-23

 

ICICI Pru Easy Retirement
*On vesting, i.e. maturity, you will be entitled to the Assured Benefit or Fund Value whichever is higher and is payable provided all due premiums as per the premium payment term shown above are paid. 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. Fund Value is the total value of the money that is invested in a fund of your choice.
**You can invest any available money in the form of Top ups in this policy provided all due premiums have been paid. The provision to pay Top ups will be available up to five years prior to your original or postponed vesting date . The minimum amount of Top up is ` 2000.
^On completion of the 10th policy year and on completion of every 5th 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 over the preceding 12 months. The guaranteed Pension Boosters will be allocated between Easy Retirement Balanced Fund and Easy Retirement Secure Fund in the proportion of the values of total units held in each fund at the time of allocation. Pension Boosters will be made by allocation of extra units. Pension boosters shall not be taken back under any circumstances. ICICI Pru Easy Retirement UIN 105L133V03


ICICI Pru Easy Retirement Single Premium
^On completion of the 10th policy year and on completion of every 5th 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 over the preceding 12 months. The guaranteed Pension Boosters will be allocated between Easy Retirement Balanced Fund and Easy Retirement Secure Fund in the proportion of the values of total units held in each fund at the time of allocation. Pension Boosters will be made by allocation of extra units. Pension boosters shall not be taken back under any circumstances.
* On vesting, i.e. maturity, you will be entitled to the Assured Benefit or Fund Value whichever is higher and is payable provided all due premiums as per the premium payment term shown above are paid. 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. Fund Value is the total value of the money that is invested in a fund of your choice. ICICI Pru Easy Retirement Single Premium UIN - 105L138V03


ICICI Pru Guaranteed Pension Plan
~T&C apply
^^Annuity will be payable in arrears. The frequency of annuity payments can be monthly, half-yearly, quarterly or annually as chosen by the annuitant at the time of purchasing the annuity. The annuity amount chosen at policy inception is guaranteed for life.
1There are 3 Annuity options available where you can get back your premium while you are alive, after attaining a certain age. To know more in details, please refer the product brochure.
*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.


ICICI Pru Guaranteed Pension Plan Flexi
1 Please refer the product brochure for more details.
2 Under 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.
^^ T&C Apply. ICICI Pru Guaranteed Pension Plan Flexi UIN -


ICICI Pru Saral Pension Plan
~T&C apply
^^Annuity will be payable in arrears. The frequency of annuity payments can be monthly, half-yearly, quarterly or annually as chosen by the annuitant at the time of purchasing the annuity. The annuity amount chosen at policy inception is guaranteed for life.
1Under Joint Life option the Secondary Annuitant shall be the Spouse of the Primary Annuitant.
2The 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.
3Please refer the product brochure for more details.
4Tax 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 Saral Pension Plan UIN.


ICICI Pru Corona Protect Rider
# Death due to reasons other COVID-19 will also be covered here. For more details on exclusions under this, please refer to the brochure.
* Hospitalization admission in a Hospital for a minimum period of seventy two (72) consecutive 'In-patient care’ hours for the treatment of COVID-19. Please refer to the terms and conditions for detailed definition of Hospital.
^ Tax benefits may be applicable on premium paid and benefits received as per the prevailing tax laws. ICICI Pru Corona Protect Rider - 105B040V01.


ICICI Pru Corona Protect Plus Rider
# Death due to reasons other COVID-19 will also be covered here. For more details on exclusions under this, please refer to the brochure.
* Hospitalization admission in a Hospital for a minimum period of seventy-two (72) consecutive hours for the treatment of COVID-19. Please refer to the terms and conditions for detailed definition of Hospital
^ Tax benefits may be applicable on premium paid and benefits received as per the prevailing tax laws. ICICI Pru Corona Protect Plus Rider - 105A041V01


ICICI Pru Group Plans
^Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (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 Pru Loan Protect 105N142V02, ICICI Pru Loan Protect Plus 105N150V03, ICICI Pru Group Term Plus , ICICI Pru Group Loan Secure 105N152V03, ICICI Pru Group Insurance Scheme for Pradhan Mantri Jeevan Jyoti Bima Yojana 105G146V01. ICICI Pru Shubh Raksha Credit 105N159V01. ICICI Pru Shubh Raksha One 105N158V02. ICICI Pru Shubh Raksha Life 105N160V02 ICICI Pru Super Protect - Credit 105N176V01 ICICI Pru Super Protect Life 105N180V01. ICICI Pru Group Unit Linked Superannuation - 105L136V02. ICICI Pru Group Unit Linked Employee Benefit Plan - 105L137V02. ICICI Pru Group Suraksha Plus - 105N147V02. ICICI Pru Group Suraksha Plus Superannuation - 105N148V02, ICICI Pru Group Immediate Annuity Plan - 105N009V21


ICICI Pru Loan Protect Plus
*AD Benefit is equal to Death Benefit. If this benefit is selected, in case of death of the Life Assured due to accident, AD Benefit will be payable in addition to Death Benefit. To know more about definitions, terms & conditions applicable for Accidental Death Benefit, kindly refer sales brochure of ICICI Pru Loan Protect Plus. ICICI Pru Loan Protect Plus 105N150V03


ICICI Pru Group Loan Secure
**AD Benefit is equal to Death Benefit. If this benefit is selected, in case of death of the member due to accident, AD Benefit will be payable in addition to Death Benefit. On payment of this benefit, member’s risk cover will cease.
*The critical illness benefit is an accelerated benefit & the death benefit will be reduced by the critical illness cover paid to the policyholder. ICICI Pru Group Loan Secure 105N152V03


ICICI Pru Rural Plans
^Tax benefits under the policy are subject to conditions under Section 80C, 80CCC, 10(10A), (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 Pru Sarv Jan Suraksha , ICICI Pru Anmol Bachat Advt No: W/II/0673/2023-24

SmartKid with ICICI Pru 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 uninterrupted.
* 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.
UIN:105L145V08.

ICICI Pru EzyGrow
1 Return of Mortality and Policy Administration charges from 6th year.
^ Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961.
ICICI EzyGrow UIN: . Advt No: W/II/0533/2023-24

iShield
1 Life cover is the benefit payable on death of the Life Assured during the policy term.
2 Permanent Disability: On diagnosis of Permanent Disability (PD) due to an accident, the future premiums under your policy for all benefits are waived. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer sales brochure of ICICI Pru iProtect Smart.

3 The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed, for the period and to the extent of the Sum Insured as specified in the Schedule to this Policy. The Policy covers Reasonable and Customary Charges incurred towards medical treatment taken during the Policy Period for an Illness, Accident or condition described below if this is contracted or sustained by an Insured / Insured Person during the Policy Period and subject always to the Sum Insured, any subsidiary limit specified in the schedule of Benefits, the terms, conditions, limitations and exclusions mentioned in the Policy and eligibility as per the insurance plan opted by insured and stated in as stated in the Schedule

4 This benefit covers relevant medical expenses incurred during a period up to the number of days as specified in the Schedule of benefits forming part of this Policy, prior to hospitalization or day care treatment for treatment of Disease, Illness contracted or Injury sustained for which the Insured / Insured Person was hospitalized, giving rise to an admissible claim under this Policy. This benefit is a part of benefit available under ‘In-patient treatment’ and is limited to the available Sum Insured under ‘In-patient treatment’. Pre-hospitalization Medical Expenses can be claimed as reimbursement only.

iShield UIN: ICIHLIP24028V012324. ADV/17800

ICICI Pru Gold
1 In plan option ‘Immediate income’ and ‘Immediate income with Booster’, starting from the first policy year, you will receive a regular income at the end of every policy year/month, as chosen by you, provided the policy is in-force
In ‘deferred Income’ plan option, you will receive regular income at the end of every year/month, starting from end of deferment period as chosen by you, provided the policy is in-force. You can start this income as early as 2nd policy year or as late as Premium Payment Term plus 1 year
This regular income will comprise the following:


  • Guaranteed Income (GI) and
  • Income which will be linked to Bonus, if declared; referred to as Cash Bonus (CB)

2 For all plan options, Maturity Benefit will be sum of:

  • Sum Assured on Maturity, plus
  • Balance in the Savings Wallet (if any), plus
  • Terminal Bonus (if declared)

3 ICICI Pru Gold offers three plan options namely ‘Immediate Income’ and ‘Immediate Income with booster’ and ‘Deferred Income’. The customer can choose any one of the three available options. Please refer to sales brochure for more details

4 Life cover is the benefit payable on death of the life assured during the policy term. For all plan options, Death Benefit is equal to:

  • Sum Assured on Death, plus
  • Balance in the Savings Wallet (if any), plus
  • Interim Survival Benefit (if any), plus
  • Terminal Bonus (if declared)

Where, the Sum Assured on Death is the highest of:

  • 7 times the Annualized Premium
  • 105% of the Total Premiums Paid as on the Date of Death
  • Death Benefit multiple times Annualized Premium

5 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 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 Gold A Non-Linked Participating Individual Life Insurance Savings plan. UIN 105N190V02. ADVT: W/II/0941/2023-24

ICICI Pru iProtect Return of Premium
1 Life cover is the death benefit payable on 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 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 case of Life-stage cover, Absolute amount assured to be paid on death will be based on 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 age 55, 5% of 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 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 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 Basic Sum Assured and continues at the same level till 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 first occurrence of any of the covered 60 major Critical Illnesses within CI Benefit term. 25% of the CI Sum Assured or INR 500,000.00 whichever is lower is paid as a lump sum upon the Life Assured being diagnosed on 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 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 the 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 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 the 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 above. ICICI Pru iProtect Return of Premium(UIN: ), W/II/4176/2021-22, A Non-Linked, Non-Participating Individual Life insurance Savings product.

ICICI Pru Unit Linked Accidental Death Rider

* Units equivalent to the premium will be deducted from the fund value

^ 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 above.ICICI Pru Unit Linked Accidental Death Rider UIN: . ADVT: W/II/0012/2023-24

ICICI Pru Non-Linked Accidental Death and Disability Rider

1Accidental death benefit option: If the life assured covered by this benefit option passes away, due to an accident which happens within the coverage term, the Accidental Death Sum Assured will be paid out as a lump sum to the nominee. This amount will be payable if the accident occurs within the coverage term set under this benefit option, but death occurs beyond the Coverage term (however within 180 days from the date of the accident), provided the option is in-force or in grace period at the time of accident. On payment of the Accidental Death Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished.

2Accidental total and permanent disability benefit option: If the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider policy document.

3It refers to life cover available under the base policy at inception. Life cover is the benefit payable on death of the Life Assured during the policy term.

4Tax 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 Non-Linked Accidental Death and Disability Rider. UIN: 105B042V01. ADVT: W/II/0270/2023-24

ICICI Pru Linked Accidental Death and Disability Rider

1Accidental death benefit option: If the life assured covered by this benefit option passes away, due to an accident which happens within the coverage term, the Accidental Death Sum Assured will be paid out as a lump sum to the nominee. This amount will be payable if the accident occurs within the coverage term set under this benefit option, but death occurs beyond the Coverage term (however within 180 days from the date of the accident), provided the option is in-force or in grace period at the time of accident. On payment of the Accidental Death Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished.

2Accidental total and permanent disability benefit option: If the life assured covered by this benefit option become totally, continuously and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider policy document.

3It refers to life cover available under the base policy at inception. Life cover is the benefit payable on death of the Life Assured during the policy term.

4Tax 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 Linked Accidental Death and Disability Rider. UIN: 105A043V01. ADVT: W/II/0272/2023-24

ICICI Pru Protect N Gain

1Life cover is the benefit payable on death of the life assured during the policy term. Death Benefit will be highest of:

  • Sum Assured, including Top-up Sum Assured, if any
  • 105% of the total premiums paid
  • Fund Value including the Top-up Fund Value, if any
  • 2Starting from the 11th policy year, you will receive 2X/4X of return of mortality and 2X of policy administration charges (excluding taxes), at the beginning of each month, till the end of the policy term. These will be added in the form of units to the Fund Value.

    3At policy maturity, an addition, known as Maturity Booster in the form of extra units (Units mean a specific portion or part of the Unit Linked Fund(s) in which you have saved your money) will be made to boost your Fund Value. This Maturity Booster will be equal to 20% 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.

    4Systematic Withdrawal Plan is allowed only after the first five policy years.

    5Available through mandatory rider ‘ICICI Pru Accidental Death and Disability rider’. Please refer to the rider brochure for more details.

    ICICI Pru Protect N Gain UIN: . ADVT: W/II/1199/2023-24

    ICICI Pru GIFT Pro

    1Life Insurance Cover is the benefit payable on death of the Life Assured during the policy term.

    2Guaranteed Benefits will be payable subject to all due premiums being paid.

    3Level Income and Increasing Income are income options available under GIFT Pro. Under Level Income, the Guaranteed Income will remain constant throughout the income period. If Increasing Income is selected, the Guaranteed Income will increase by 5% p.a of the base income.

    4You can choose to receive any percentage from 0% to 100% of the sum total of all annualized premiums payable by you as MoneyBack Benefit. This will be paid as a one time Lump sum amount. Additionally you also have the flexibilty to choose any year, on or after the maturity date of the policy up to the last income year, to receive this MoneyBack Benefit. Your Guaranteed Income amount will be adjusted based on the MoneyBack Benefit % and payout year selected by you. You can opt for these flexibilities at the inception of the policy. MoneyBack Benefit % and payout year cannot be changed later.

    5Low cover income booster at the inception of the policy, you can choose to opt for “Low Cover Income Booster” wherein you will be able to receive increased income for opting a lower life cover.

    6You have an option to receive GI every year on a Special Date of your choice preceding the due date of first GI pay-out during the Income Period. The Special date can be chosen to coincide with any date such as, Date of Maturity, birth date or anniversary date etc. Payment of GI will commence from this Special Date and all further GIs will be paid every year on this Special Date chosen. In case You opt for a Special Date, the GI payable each year would be adjusted by multiplying the GI amount with a discount loading factor, varying by the policy month in which the Special Date falls.

    7Tax 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 GIFT Pro (UIN: )

    Unit Linked products are different from traditional insurance products and are subject to the risk factors.

    The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/ her decisions. ICICI Prudential Life Insurance is only the name of the Life Insurance Company and the unit linked insurance products and does not in any way indicate the quality of the products, its future prospects and returns.

    Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the Insurance company.

    The various funds offered under this products are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

    W/II/0673/2023-24

    ICICI Pru Linked Waiver of Premium

    1The Rider Benefit will be applicable if the Life Assured named under the WoP rider has become totally, continuously and permanently disabled as a result of an Accident within the Rider Term i.e., Accidental Total Permanent Disability and should mandatorily satisfy at least one condition outlined within the following three conditions. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer to the sales brochure of ICICI Pru Linked Waiver of Premium Rider

    2A Life Assured shall be regarded as terminally ill only if he/she is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners specializing in treatment of such illness, is highly likely to lead to death within 6 months. The Terminal Illness must be diagnosed and confirmed by medical practitioners registered with the Indian Medical Association and approved by the Company

    3The Rider Benefit will be applicable on the Life Assured named under the WoP rider being diagnosed with any of the 15 covered critical illnesses within the rider term by a Medical Practitioner. To know more about definitions, terms & conditions applicable for critical illness, kindly refer to the sales brochure of ICICI Pru Linked Waiver of Premium Rider

    4Tax benefits as per prevailing tax laws

    5Waiver of premium rider has 3 plan options: (i)Life option which will be applicable on the first occurrence of death or terminal illness (ii) Health option- which will be applicable on the first occurrence of Accidental total and permanent disability or diagnosed with any of the covered critical illnesses and (iii) Health & life option- which will be applicable on the first occurrence of terminal illness or Accidental total and permanent disability or diagnosed with any of the covered critical illnesses. Kindly refer to brochure for more details

    ICICI Pru Linked Waiver of Premium UIN: 105A045V01. ADVT: W/II/0979/2023-24

    ICICI Pru Non-Linked Waiver of Premium

    11The Rider Benefit will be applicable if the Life Assured named under the WoP rider has become totally, continuously and permanently disabled as a result of an Accident within the Rider Term i.e., Accidental Total Permanent Disability and should mandatorily satisfy at least one condition outlined within the following three conditions. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer to the sales brochure of ICICI Pru Non-Linked Waiver of Premium Rider

    2A Life Assured shall be regarded as terminally ill only if he/she is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners specializing in treatment of such illness, is highly likely to lead to death within 6 months. The Terminal Illness must be diagnosed and confirmed by medical practitioners registered with the Indian Medical Association and approved by the Company

    3The Rider Benefit will be applicable on the Life Assured named under the WoP rider being diagnosed with any of the 15 covered critical illnesses within the rider term by a Medical Practitioner. To know more about definitions, terms & conditions applicable for critical illness, kindly refer to the sales brochure of ICICI Pru Non-Linked Waiver of Premium Rider

    4Tax benefits as per prevailing tax laws

    5Waiver of premium rider has 3 plan options: (i)Life option which will be applicable on the first occurrence of death or terminal illness (ii) Health option- which will be applicable on the first occurrence of Accidental total and permanent disability or diagnosed with any of the covered critical illnesses and (iii) Health & life option- which will be applicable on the first occurrence of terminal illness or Accidental total and permanent disability or diagnosed with any of the covered critical illnesses. Kindly refer to brochure for more details

    ICICI Pru Non-Linked Waiver of Premium UIN: 105B044V01. ADVT: W/II/0971/2023-24

    ICICI Pru Group Non Linked Accidental Death and Disability Rider

    1Under this option, if the Member whose life is covered by this benefit option passes away, due to an accidental death which happens within the Coverage term such that death happens 180 days from the date of accident, the sum assured for ADB will be paid out as a lump sum to the person specified (known as the Claimant) in the policy, provided the benefit option is in-force at the time of the accident.

    If Accidental Death occurs beyond the Coverage Term, this sum assured will be paid provided the accidental death occurs within 180 days from the date of accident. This is applicable subject to Accident occurring within the Coverage Term and the Benefit Option being in-force at the time of Accident.

    2Under this option, if the Member whose life is covered by this benefit option gets totally, continuously and permanently disabled, due to an accident which happens within the Coverage term of this benefit option such that the disability occurs within 180 days from the date of accident, the Sum Assured for ATPD will be paid out as a lump sum to the person specified (known as Claimant) in the policy.

    If Accidental Total and Permanent Disability occurs beyond the Coverage Term, this sum assured will be paid provided the disability occurs within 180 days from the date of accident. This is applicable subject to Accident occurring within the Coverage Term and the Benefit Option being in-force at the time of Accident. For more details, kindly refer to the Rider policy document.

    3Tax benefits may be available as per prevailing tax laws. Tax laws are subject to amendments made there to from time to time. Please consult your tax advisor for more details.

    ICICI Pru Group Non – Linked Accidental Death and Disability Rider (UIN : 105B046V01). ADVT: W/II/1190/2023-24

    ICICI Pru Gold Pension Savings

    1 Guaranteed benefit is the Assured Benefit, i.e., 105% of the total premiums paid

    2 Bonuses are in the form of regular bonus, loyalty accumulation and terminal bonus

    3 Minimum 40% of the vesting benefit must be mandatorily used to purchase an annuity plan

    4 This can be availed after the completion of 3 policy years and allows you to encash up to 25% of the Total Premiums Paid over the lifetime of your policy. Withdrawals are allowed for the conditions of higher education of children; marriage of children; purchase or construction of a residential house or flat; treatment of critical illnesses; to meet medical and incidental expenses arising out of the disability

    5 Avail periodic complimentary health check-ups during the policy years on attaining 50 years of age and completion of 3 policy years. This service shall be directly provided by third party service provider(s) and the Company will not be liable for any deficiency in service by the service provider. The Company reserves the right to discontinue the service or change the service provider(s) at any time. Please read the policy document to know more

    ICICI Pru Gold Pension Savings Plan (UIN : ). W/II/1282/2023-24

    ICICI Pru Platinum

    1 Life cover is the benefit payable on death of the Life Assured during the policy term

    2 Systematic Withdrawal Plan is allowed only after completion of five policy years

    3 Tax benefits under the policy are subject to conditions under Section 80C, 80D, 10(10D) and other provisions of the Income Tax Act, 1961.

    4 Past performance of funds is not indicative of future performance.

    ICICI Pru Platinum (UIN: 105L192V01). ADVT: W/II/1467/2023-24

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