One of the best ways to
Grow and Protect Your Money
Save for the future
Whether you are saving for a big purchase, a specific goal or for your child’s future, this plan is a good place to start.
Save with 'guaranteed' comfort
Get Guaranteed Maturity Benefit (GMB) and Guaranteed Additions (GAs) on maturity of the plan.
To get this personalised quote share your contact details
Guaranteed Benefits of ICICI Pru Savings Suraksha (at Maturity)
Guaranteed additions for first 5 years
Right from the first year of your policy. Saving Suraksha adds a Guaranteed Addition to the value of your policy. This is paid on Maturity or Death, whichever occurs first.
Guaranteed Maturity Benefit
This additional amount is guaranteed to you at Maturity of your policy.
TOTAL GUARANTEED BENEFITS ON MATURITY
You can see the value of Guaranteed Benefits year-wise, as you proceed to fill up the application form
Guaranteed Benefits are available only if all premiums are paid as per the premium payment terms & the policy is inforce till the completion of entire policy term
Guaranteed Additions [GAs] totaling 5% of GMB each year will accure during the first five policy years if all due premiums are paid. GAs accure on payment of due premium.
Premiums paid for this plan will enjoy tax benefit every year
Estimated tax benefit
TOTAL TAX BENEFIT
Tax saved under section 80C is calculated by applying tax rate on premium paid or Rs.1,50,000 or 10% of Sum Assured whichever is lower.
Estimated Tax benefit under section 10(10D) is arrived by using the following formula: (Total Estimated Death/ Maturity Benefit - Sum of all annual premiums paid)* Tax rate
The quantum of Income tax benefits mentioned in the illustration is based on rate of tax which is currently prescribed as per current Finance Act. The rate used for calculation of the income tax benefits is inclusive of the applicable cess. This rate is subject to change as per the provisions of the Finance act for the future years, as a result of which the quantum of tax benefits illustrated may either reduce or increase in future. Tax benefits are subject to conditions specified under section 80C and 10(10D) of the Income Tax Act, 1961 and are subject to amendments from time to time.
It is always advisable to a customer to take an independent view from his tax experts. ICICI Prudential Life Insurance Company Limited will not be responsible in cases where any tax benefits as stated above are denied to the policyholder.
Disclaimer: Applicable Taxes as per prevailing tax laws.
Check Our Score Card
Claim Settlement Ratio~97.88%
~Claim settlement ratio is for FY 2017-18 and computed basis individual claims settled over total individual claims for the financial year.
Benefits paid`1,14,744 CR
As per Financial Statements (Schedule 4- Benefits paid (Gross)) of the Company, Benefits paid since inception upto year ended March 31, 2018.
Sum Assured`8,22,564 CR
Total Sum Assured figure for FY 2017-18. The source for this number is Annual Report FY 2017-18.
Assets Under Management`1,46,129 CR
Total assets under management, held at Sept 30, 2018
We support multiple payment options and your transactions are totally secure.
Credit Card Debit Card Netbanking Wallets UPI BharatQR
#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 allocated 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. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. Contingent reversionary bonus may be declared every financial year and will accrue only to a policy if it becomes paid-up. Contingent reversionary bonus will be a part of the paid up benefit and will be paid on maturity or earlier death. A terminal bonus may also be payable at maturity or on earlier death.
^ (1) Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on policy term, premium, premium payment term, Sum Assured and gender.
(2) 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.
~Claim statistics are for FY 2017-18 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to Public Disclosures in our Website.
+ Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) 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.
?ARR: Assumed Rate of Returns. Returns shown are at 4% p.a. and 8% p.a. as per IRDAI guidelines. If the policy offers guaranteed returns, then these will be clearly marked “guaranteed” in the Benefit Illustration. Since the policy offers variable returns, the given illustration shows two different rates of assumed future investment returns. The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of policy depends on a number of factors including future investment performance.
*Subject to maximum age at maturity boundary conditions. ICICI Pru Savings Suraksha UIN:105N135V01.
ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN: L66010MH2000PLC127837
© 2016, ICICI Prudential Life Insurance Company Limited. Registered Address:- 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. Call us on 1-860-266-7766 (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India). 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. Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) 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. W/II/2923/2018-19