ICICI Pru Lakshya Wealth Insurance Plan Calculator

Savings Plan with Capital Guarantee

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Creating your personal application

Savings Plan with Premium Protection6

Create wealth and protect
your loved ones

Achieve your goals starting with just ₹ 2,500 p.m.
  • Premium protection6 with Sum Assured on Maturity5
  • Bonuses2 in the form of Regular Additions
  • Life Cover throughout the policy term
  • Tax Benefits u/s 80C and 10(10D)*
percent

Additional Guaranteed Value Benefits1 for women

Read Plan Details Benefit Illustrations Download Brochurebrochure

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Key benefits of ICICI PRU Lakshya Wealth

Key benefits of
ICICI PRU Lakshya Wealth

Lump Sum Benefit

Get lump sum amount on maturity to fulfill your dreams.

Premium Protection6

Premium protection6 with Sum Assured on Maturity5

Bonuses2

Enjoy bonuses2 in the form of Regular Additions, if declared, every year and one time Terminal Bonus, if declared, on maturity to grow your wealth

Protection

Get life cover throughout the policy term to secure your family’s future.

Tax Benefits3

Tax Benefits on premiums paid and benefits received as per prevailing tax laws

Get rewarded with applicable Guaranteed Value Benefits (GVBs)1
1.
Start Early
Start your savings now rather than later.
2.
Save More
Higher the premium, higher the benefit.
3.
Stay More
More benefit for long term savings and protection.
4.
SHE
Additional benefits for women to promote saving.

How does the plan work?

Sanjay is a 30 year old IT professional. Recently married, Sanjay understands the importance of planning ahead so that he can fulfill the dreams of his loved ones. He decides to invest in ICICI Pru Lakshya to fulfill his dream of buying a house for his family in the future.

Sanjay invests ₹ 1 lakh for 10 years in ICICI Pru Lakshya Wealth & chooses a policy term of 20 years.

Get Double Benefit
Age 30 Age: 30 Age 45 Age: 50

Policy Term

(years)

20

Rupee Rupee
money
down-line
maturity-amount
Total Benefit ₹ 25,17,350
Sum Assured on Maturity5
GVB
Accrued Regular Additions
Terminal Bonus
Sum Assured on Maturity5

₹10 Lakh

+
GVB

₹2,65,000

+
Accrued Regular Additions

₹6,83,100

+
Terminal Bonus

₹5,69,250

₹ 10 Lakh

+

₹ 2,65,000

+

₹ 6,83,100

+

₹ 5,69,250

He also gets tax benefits3 on both premiums paid and benefits received.

Unfortunately, if Sanjay passes away at the end of the 11th year of policy, his nominee will receive ₹ 13,94,479# as Death Benefit.
The Death Benefit/Maturity Benefit can be received either as lump sum payout or regular income

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits these will be clearly marked 'guaranteed' in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

Varun, a 30 year old self employed runs a small business. His income changes according to his business profits. He also pays a good amount of money as taxes on his earnings & bank deposit. He also has very little life cover. He is looking to invest his savings in a safe plan every year to safeguard his family’s future needs along with saving of taxes and ensuring financial security for family.

Get 4G benefit
Age 30 Age: 30 Age 45 Age: 45

Policy Term

(years)

15

Rupee Rupee
money
down-line
Get Maturity amount ₹ 12.93 Lakh

Guaranteed Additions (GA) ₹ 8.4 Lakh

Guaranteed Maturity Benefit (GMB) ₹ 4.53 Lakh

Guaranteed Protection (SA) of 10 Lakh

Guaranteed Tax Benefit 80C & 10 (10D)*

4Gs 4Gs
maturity-amount

In just 4 easy steps buys ICICI Pru Life Assured Savings Insurance Plan online.

He pays just ₹ 1,00,000 every year as premium for 7 years. At the end of the 15th year, he will receive a guaranteed lump sum amount of ₹ 12.93 Lakh (with 1% Additional GMB for online buyers). The entire maturity amount is tax free. He will also get a deduction of ₹ 1,00,000 from his Taxable income every year u/s 80C. Thus getting a net effective return of 2.68 times on his investment (including tax saving).

This plan also provides a life cover of 10 Lakh for the entire policy term, such that if anything were to happen to Varun during this period his family will receive a lump sum amount called as Death Benefit.

Now Varun can concentrate on his business and take it to newer heights knowing that his future is secured.

Vivek is a 40 year old senior corporate executive. Vivek is looking to retiring at the age of 55 and wants to accumulate a big corpus of close to 1 Crore for his retirement income. He wants to invest in a plan regularly for some years which will give him a corpus of 1 Crore on retirement as a tax-free guaranteed lump sum.

Become Crorepati
Age 40 Age: 40 Age 55 Age: 55

Policy Term

(years)

15

Rupee Rupee
money
down-line
Get Maturity amount ₹ 1.10 Crore
You get
Maturity amount
₹ 1.10 Crore
Sum of all
Guaranteed Additions
(GA)

₹ 78 Lakh

+
Guaranteed
Maturity Benefit
(GMB)

₹ 31.72 Lakh

maturity-amount

In just 4 easy steps buys ICICI Pru Life Assured Savings Insurance Plan online.

He pays 1 Lakh per month as premium for 5 years. This plan also provides him a life cover of 1.2 Crore for the entire policy term, such that if anything were to happen to Vivek during this period his family will receive a lump sum amount called as Death Benefit for their needs.

At the age of 55 he will receive a tax-free lump sum guaranteed amount of 1.1 Crore and become a Crorepati. Now, Vivek can work with peace of mind, knowing that his golden years are also secured.

Rohit is the father of a 5 year girl child called Neeta. He wants to save for his daughter’s higher education needs and is worried that his savings may not meet his daughter's educational needs. He does not want to risk his child's future so he is looking for a guaranteed savings plan that gives assured returns on his savings.

Get Double Benefit
Age 5 Neeta's age 5years Age 20 Neeta's age 20years

Policy Term

(years)
Rupee Rupee
money
down-line
Get Maturity amount ₹ 7.87 Lakh
You get
Maturity amount
₹ 7.87 Lakh
Sum of all
Guaranteed Additions
(GA)

₹ 5.04 Lakh

+
Guaranteed
Maturity Benefit
(GMB)

₹ 2.83 Lakh

Lady maturity-amount

In just 4 easy steps buys ICICI Pru Life Assured Savings Insurance Plan online.

He pays just 5,000 per month as premium for 7 years. At the age of 20 his daughter will receives 7.87 Lakh for her higher education needs.

Now Rohit can enjoy stress-free time with his daughter, knowing that her future is secured.

We are happy to help you!

Our experts are happy to answer any questions you may have.

Call us at 1800-209-9777

Call centre hours -

9.30 a.m. - 7.30 p.m. Monday-Saturday

4 simple steps to buy online

1
Choose investment amount

Choose investment amount

Choose our online calculator to decide your investment amount and policy term or choose among our recommended plans.

2
Upload documents

Upload documents

Upload documents to pre-fill application form with details. This will also ensure faster issuance.

3
Make a payment

Make payment

Pay via a range of options including Net Banking/Debit Card/Credit card/Payment Wallets.

4
Plan issued

Plan issued

Congratulations! Get digital Welcome Kit as soon as the plan is issued.

Get guaranteed returns
Receive quote on WhatsApp
₹ 15.7 lakh
&
Life cover ` 15 lakh
You will get 15.7 Lakh at the end of 10 years by investing just ₹ 2500 years
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Other recommended options for you to choose
Other recommended options for you to choose
10 years plan
You get maturity benefits of
₹ 15,33,398
&
Life cover of
₹ 7,50,000
Invest ₹ 75,000 yearly
for 5 years
15 years plan
You get maturity benefits of
₹ 20,33,398
&
Life cover of
₹ 10,00,000
Invest ₹ 1 Lakh yearly
for 5 years
15 years plan
You get maturity benefits of
₹ 25,33,398
&
Life cover of
₹ 15,00,000
Invest ₹ 1.5 Lakh yearly
for 7 years

Back Proceed

1Guaranteed Value Benefits will be set at policy inception and will depend on age, policy term, premium, premium payment term and gender.

2Bonus may be declared annually from the first year as ‘Regular Additions’ and will be a percentage of the sum total of the ‘Sum Assured on Maturity’ and the applicable ‘Guaranteed Value Benefits’. Terminal Bonus may be declared by the Company and will be payable at policy maturity or on death.

3Tax benefits under the policy will be as per the prevailing Income Tax laws. We recommend that you seek professional advice for applicability of tax benefit on premiums paid and benefits received. Goods and Service Tax and Cesses will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time.

#The benefits shown are calculated for 8% Assumed Rate of Return. For benefits at 4% Assumed Rate of Return, please refer the Benefit Illustration. The Death Benefit at 4% amount will be: Rs 11,18,720

5Sum Assured on Maturity is equal to your total contribution throughout the policy term.

6The premiums you pay during the policy term are protected with this benefit.

This advertisement is designed for ICICI Pru Lakshya Wealth which is offered under ICICI Pru Lakshya. The customer has the choice of purchasing other options under ICICI Pru Lakshya as per his/her needs and there is no compulsion to purchase this option as suggested by the Insurer and as presented in this advertisement. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

Comp code - COMP/DOC/Oct/2021/2710/6826.

ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN: L66010MH2000PLC127837. ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. For enquires related to new policies purchased online, please call us on 1-860-266-7766 and select option 4 on our Interactive Voice System. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license. UIN:105N179V01. Advt. No.: W/II/2384/2020-21.

 
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