1 Calculated for a 35-year-old healthy male with a premium paying term of 15 years and a policy term of 15 years for Regular pay option. The premium shown is exclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted.
2Calculated for a 6-year-old healthy male with a premium paying term of 7 years and a policy term of 15 years for Lump Sum plan option. The premium shown is exclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted.
3Calculated for a 35-year-old healthy male with a premium paying term of 15 years and a policy term of 15 years for Regular pay option. The premium shown is exclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted.
6 Wealth Boosters equal to 3.25% 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 will be allocated as extra units to your policy at the end of every 5th policy year starting from the end of 10th policy year till the end of your policy term.
7 Switches are only applicable for fixed portfolio strategy and not applicable for other portfolio strategies.
8 Systematic Withdrawal Plan is allowed only after the first five policy years. The total withdrawals in a policy year cannot exceed 20% of the fund value.
^Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.
~Additional Maturity Benefit is offered for online sales: For Lump Sum Plan option, 2.5% of Sum Assured on Maturity is applicable for Limited pay. In case of Single Pay in Lump Sum Plan option, 1% of Sum Assured on Maturity is applicable. For Income Plan option, 2.5% of Guaranteed Income is applicable. For Early Income Plan option, 3.5% of Guaranteed Income is applicable. For Single Pay Income Plan option, 1% of Guaranteed Early Income is applicable.
*Tax benefits of ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20%(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), 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. The Tax Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
# 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.
$ 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.
ARR : Assumed Rate of Return. For the purpose of illustration, the Company has assumed 8% and 4% as rates of investment returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits that you may get. As the value of the policy depends on a number of factors including future investment performance.
ICICI Pru Guaranteed Income For Tomorrow UIN:
ICICI Pru Signature Online UIN:
ICICI Pru Smart Kid with Smart Life UIN:
ADVT – W/II/0610/2022-23
