Why is ICICI Pru Future Perfect Endowment Plan special?

ICICI Pru Future Perfect grows your wealth with the promise of protecting your money. This is done through two guaranteed features in the plan called Guaranteed Additions (GA) and Guaranteed Maturity Benefit (GMB). At the end of the policy term, you receive a sum that includes Guaranteed Maturity Benefit (GMB), Guaranteed additions (GA) and additional bonuses declared by the company, if any. Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.

What are Guaranteed Additions?

Guaranteed Additions (GAs) are additional benefit that will be added throughout the policy term, if all premiums due till that year are paid. GAs as a percentage of annualized premium is set out in the following table:

Policy year/PPT 5 years or 7 years 10 years, 15 years or 20 years
1 - 5 8% 10%
6 - 10 10% 12%
11 - 15 12% 15%
16 onwards 15% 18%

During Premium Paying Term(PPT) GA will accrue on premium payment* and after PPT, GA will accrue at the beginning of policy year.

* In case of 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.

What is Guaranteed Maturity Benefit?

Guaranteed Maturity Benefit (GMB) is the guaranteed lump sum payable at the end of the policy term. Your GMB will be set at policy inception and will depend on age, policy term, premium amount, premium payment term and gender. Your GMB may be lower than your Sum Assured on death.

ICICI Pru Future Perfect provides you and your family all-round protection. In case of an unfortunate event during the policy term, your family receives a lump sum amount. This amount ensures that even in your absence, your loved ones are able to live the life you planned for them.

How much money will my family receive in my absence?

Your family will receive the higher of:

  • A fixed Sum Assured including Guaranteed Additions and Bonuses*

  • Guaranteed Maturity Benefit including Guaranteed Additions and Bonuses*

  • Minimum Life Cover that is equal to 105% of sum of premiums paid till date **

*Consists of vested reversionary bonuses, interim bonus and terminal bonus, if any.
.
**Including extra Mortality Premiums and excluding taxes. The cost of providing a Life Cover under the policy is called Mortality Premium.

With this plan, you can reduce your taxable income by investing up to 1.5 lakh under Section 80C. This will help you save tax. The money you get on maturity or death is also completely tax-free*.

*Tax benefits under the policy are subject to conditions under Section 80C, 10(10D) and other provisions of the Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time.

Product Snapshot

In our day to day lives, we strive towards achieving our goals: purchasing a flat, securing our children’s future needs, dream vacation in an exotic location and living peacefully after retirement. We bring you an ideal savings and protection oriented plan, ICICI Pru Future Perfect to help you fulfill these goals.

ICICI Pru Future Perfect gives you the dual assurances of guaranteed benefits and life cover, while complementing your investment corpus with bonuses that offers potentially higher returns. You have the flexibility to choose a premium payment option based on your needs.

How much premium can I pay?

You need to pay a minimum of `30,000 per year.

Can I pay the premiums yearly, half-yearly or monthly?

Yes, you can choose to pay your premiums yearly, half-yearly or monthly.

How long does the policy last?

The policy can continue from 10 to 15 years*.

At what age can I start this plan?

The minimum age of the Life Assured is 3 years and the maximum age should not be more than 45 years.

How old should I be when the plan reaches maturity?

The minimum age of the Life Assured at policy maturity should be 18 years. But, the maximum age should not exceed 60 years.

How much premium can I pay?

You need to pay a minimum of `30,000 per year.

Can I pay the premiums yearly, half-yearly or monthly?

Yes, you can choose to pay your premiums yearly, half-yearly or monthly.

How long does the policy last?

The policy can continue from 12 to 17 years*.

At what age can I start this plan?

The minimum age of the Life Assured is 1 year and the maximum age should not be more than 55 years.

How old should I be when the plan reaches maturity?

The minimum age of the Life Assured at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.

How much premium can I pay?

You need to pay a minimum of `30,000 per year.

Can I pay the premiums yearly, half-yearly or monthly?

Yes, you can choose to pay your premiums yearly, half-yearly or monthly.

How long does the policy last?

The policy can continue from 15 to 20 years*.

At what age can I start this plan?

The minimum age of the Life Assured is 90 days and the maximum age should not be more than 55 years.

How old should I be when the plan reaches maturity?

The minimum age of the Life Assured at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.

How much premium can I pay?

You need to pay a minimum of `30,000 per year.

Can I pay the premiums yearly, half-yearly or monthly?

You can choose to pay your premiums yearly, half-yearly or monthly.

How long does the policy last?

The policy can continue from 20 to 25 years*.

At what age can I start this plan?

The minimum age of the Life Assured is 90 days and the maximum age should not be more than 50 years.

How old should I be when the plan reaches maturity?

The minimum age of the Life Assured at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.

How much premium can I pay?

You need to pay a minimum of ` 30,000 per year.

Can I pay the premiums yearly, half-yearly or monthly?

Yes, you can choose to pay your premiums yearly, half-yearly or monthly.

How long does the policy last?

The policy can continue from 25 to 30 years*.

At what age can I start this plan?

The minimum age of the Life Assured is 90 days and the maximum age should not be more than 45 years.

How old should I be when the plan reaches maturity?

The minimum age of the Life Assured at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.

* Subject to maximum age at maturity boundary conditions.

#Your Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on age, policy term, premium, premium payment term and gender. Your GMB may be lower than your Sum Assured on death. ICICI Pru Future Perfect UIN:.

W/II/0963/2024-25

 

 

#ARR is Assumed rate of returns.

These illustrations are for a healthy male life assured. The guaranteed benefits under the policy are clearly marked as “guaranteed”. The reversionary bonuses and terminal bonuses are not guaranteed and are dependent on future performance. The benefits in the illustration given above are indicative and are shown at different rates of assumed future investment returns. The maturity benefit of your policy is dependent on a number of factors, including future performance.

The actual asset allocation of ICICI Pru Future Perfect product in Equity is 37.88% as on June 30, 2025. The equity portfolio is as follows:
NIC Industry Weight*
Financial service activities, except insurance and pension funding 30.58%
Infrastructure 10.31%
Computer programming, consultancy and related activities 9.46%
Manufacture of coke and refined petroleum products 6.81%
Manufacture of motor vehicles, trailers and semi-trailers 5.22%
Manufacture of pharmaceuticals,medicinal chemical and botanical products 4.23%
Manufacture of chemicals and chemical products 3.61%
Mutual Fund - Liquid 3.32%
Manufacture of Basic Metals 2.83%
Insurance, reinsurance and pension funding, except compulsory social security 2.38%
Manufacture of tobacco products 2.33%
Manufacture of other non-metallic mineral products 1.78%
Retail trade, except of motor vehicles and motorcycles 1.70%
Information service activities 1.67%
Manufacture of other transport equipment 1.55%
Other manufacturing 1.49%
Human health activities 1.39%
Manufacture of food products 1.36%
Wholesale trade, except of motor vehicles and motorcycles 1.20%
Manufacture of beverages 0.87%
Air transport 0.79%
Manufacture of computer, electronic and optical products 0.71%
Repair and installation of machinery and equipment 0.54%
Manufacture of electrical equipment 0.47%
Food and beverage service activities 0.47%
Real estate activities 0.41%
Extraction of crude petroleum and natural gas 0.38%
Electricity, gas, steam and air conditioning supply 0.30%
Manufacture of wearing apparel 0.28%
Accommodation 0.26%
Manufacture of paper and paper products 0.19%
Housing Industry 0.18%
Manufacture of rubber and plastics products 0.14%
Land transport and transport via pipelines 0.13%
Employment activities 0.12%
Other financial activities 0.12%
Office administrative, office support and other business support activities 0.11%
Architecture and engineering activities; technical testing and analysis 0.11%
Motion picture, video and television programme production, sound recording 0.10%
Mining of metal ores 0.10%
Grand Total 100.00%
EQUITY SECURITY NAME WEIGHT*
HDFC Bank Limited 11.69%
Reliance Industries Limited 6.81%
Bharti Airtel Limited 5.43%
Infosys Limited 4.69%
Larsen & Toubro Limited 4.17%
Axis Bank Limited 2.90%
Tata Consultancy Services Limited 2.68%
IDFC First Bank Limited 2.59%
Mahindra & Mahindra Limited 2.50%
ITC Limited 2.33%
UTI Bank ETF 1.98%
Bajaj Finance Limited 1.70%
State Bank Of India 1.68%
Sun Pharmaceutical Inds. Limited 1.61%
Hindustan Unilever Limited 1.59%
Titan Company Limited. 1.49%
Kotak Mahindra Bank Limited 1.41%
Hindalco Industries Limited 1.34%
Bajaj Finserv Bank Nifty ETF 1.34%
Ultratech Cement Limited 1.30%
Eternal Limited 1.30%
HCL Technologies Limited 1.17%
Maruti Suzuki India Limited 1.16%
UCO Bank 1.05%
HDFC Life Insurance Company Limited 0.88%
Trent Limited 0.83%
Tata Steel Limited 0.80%
Interglobe Aviation Limited 0.79%
Bank Of India 0.77%
Star Health & Allied Insurance Co Limited 0.76%
SBI Life Insurance Co. Limited 0.75%
Bajaj Finserv Limited 0.74%
Max Healthcare Institute Limited 0.74%
TVS Holdings Limited 0.71%
Bharat Electronics Limited 0.71%
Apollo Hospitals Enterprise Limited 0.65%
Cipla Limited 0.62%
Britannia Industries Limited 0.61%
Bharat Petroleum Corp Limited 0.59%
Bank of Maharashtra 0.57%
Union Bank of India 0.55%
Hindustan Aeronautics Limited 0.54%
Tata Motors Limited 0.54%
Nestle India Limited 0.53%
Bajaj Auto Limited 0.51%
Indusind Bank Limited 0.49%
City Union Bank 0.49%
Indian Bank 0.47%
Jindal Steel & Power Limited 0.47%
Varun Beverages Limited 0.47%
Avenue Supermarts Limited 0.47%
Godrej Consumer Products Limited 0.46%
Asian Paints Limited 0.46%
Lupin Limited 0.44%
DLF Limited 0.41%
Samvardhana Motherson International Limited 0.39%
Persistent System Limited 0.39%
Eicher Motors Limited 0.39%
PNB Housing Finance Limited 0.39%
Torrent Pharmaceuticals Limited 0.38%
Oil & Natural Gas Corporation Limited 0.38%
NTPC Limited 0.35%
LTIMindtree Limited 0.35%
Aurobindo Pharma Limited 0.35%
Dr. Reddys Laboratories Limited 0.34%
Endurance Technologies Limited 0.34%
SRF Limited 0.33%
Havells India Limited 0.32%
RBL Bank Limited 0.32%
United Spirits Limited 0.32%
Honasa Consumer Limited 0.31%
GAIL (India) Limited 0.30%
Hero Motocorp Limited 0.30%
Jio Financial Services Limited 0.29%
FSN E-Commerce Ventures Limited 0.28%
Ambuja Cements Limited 0.28%
UPL Limited 0.28%
Glenmark Pharmaceuticals Limited 0.28%
PB Fintech 0.27%
AU Small Finance Bank Limited 0.26%
Sona BLW Precision Forgings Limited 0.26%
Page Industries Limited 0.24%
Shriram Finance Limited 0.24%
Marico Limited 0.23%
Grasim Industries Limited 0.22%
JSW Steel Limited 0.21%
Kajaria Ceramics Limited 0.20%
PI Industries Limited 0.20%
Max Financial Services Limited 0.20%
KPR Mill Limited 0.19%
Hindustan Petroleum Corp. Limited 0.18%
L&T Finance Limited 0.18%
The Jammu & Kashmir Bank Limited 0.18%
BSE Limited 0.18%
Restaurant Brand Asia 0.16%
Westlife Foodworld Limited 0.16%
HDB Financial Services Limited 0.16%
Muthoot Microfin Limited 0.15%
Crompton Greaves Consumer Elect. 0.15%
Ashok Leyland Limited 0.15%
Creditaccess Grameen Limited 0.15%
Motherson Sumi Wiring India Limited 0.14%
Astral Limited 0.14%
Delhivery Limited 0.13%
ITC Hotels Limited 0.12%
Rural Electrification Corpn. Limited 0.12%
Sapphire Foods India Limited 0.12%
Power Finance Corpn. Limited 0.12%
UTI Asset Management Company Limited 0.12%
Go Fashion (India) Limited 0.12%
Divis Laboratories Limited 0.11%
Sagility India Limited 0.11%
Swiggy Limited 0.11%
Indus Towers Limited 0.11%
KPIT Technologies Limited 0.11%
PVR Inox Limited 0.10%
Coforge Limited 0.10%
Can Fin Homes Limited 0.10%
NMDC Limited 0.10%
IPCA Laboratories Limited 0.09%
The Indian Hotels Company Limited 0.09%
Housing & Urban Development Corporation 0.09%
Cello World Limited 0.09%
Craftsman Automation Limited 0.08%
Radico Khaitan Limited 0.08%
Dabur India Limited 0.08%
Hexaware Technologies Limited 0.08%
Quess Corp Limited 0.06%
Chalet Hotels Limited 0.05%
Indostar Capital Finance (Indostar) Limited 0.04%
Digitide Solutions Limited 0.04%
Vedant Fashions 0.04%
Vishal Mega Mart 0.03%
Ujjivan Small Finance Bank Limited 0.03%
Jubilant Foodworks Limited 0.03%
India Shelter Finance Corporation Limited 0.02%
Bluspring Enterprises Limited 0.02%
Suryoday Small Finance Bank Limited 0.00%

* % on total equity portfolio

COMP/DOC/Jul/2022/217/0818

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