GUARANTEED RETURNS PLANS
BOOST YOUR SAVINGS
100% Guaranteed^ & Tax-free* returns for all needs
Choose the way you want your returns
Regular Income + Return of Premium
+ In-built Life Cover
Regular Income
+ In-built Life Cover
Lump Sum Amount
+ In-built Life Cover
^Conditions apply
Nearly 70% of Indians have increased savings and investments post pandemic!
GUARANTEED PLAN CALCULATOR
Help us suggest the right plan as per your need
ICICI PRUDENTIAL LIFE PROMISE
Our Proven Track Record
Settlement Time``
RECOMMENDED BY MANY
Why experts want you to get a Guaranteed Plan?
Diversification of portfolio to balance the market uncertainties
Additional source of income for later years
Security during uncertain times to ensure peace of mind
To grow your savings in a risk-free manner with guaranteed^ returns
^Conditions apply
Expert's Voice
Mr. Amit Palta
Chief Distribution Officer
ICICI Prudential Life
“Life insurance narrative has changed from tax-saving to achieving life goals” – Financial express, 2022
Mr. Deepak Kinger
Chief - Risk and Compliance
ICICI Prudential Life
“Given market volatility, we have seen a shift in customer preference towards guaranteed products.” – Livemint, 2021
Need more clarity? Compare which plan works for you
Frequently asked questions
Better planned investments need not be complicated
What are the different options available under this plan?
There are 3 options available in Guaranteed Return Plans:
- Regular Income + Return of Premium – You pay for a certain number of years & get a guaranteed^ regular flow of income for a fixed period along with 110% of all your premiums paid back at the end of income period.
- Regular Income - You pay for a certain number of years & get a guaranteed^ flow of income for a fixed period.
- Lump Sum Amount - You pay for a certain number of years & get a guaranteed^ lump sum amount on maturity.
^Conditions apply
Frequently asked questions about Plan Options
What are the options to select Guaranteed Income Frequency?
You can choose to receive guaranteed^ income either monthly or yearly, depending on your need.
^Conditions apply
What is the Internal Return Rate (IRR) which I get in this plan?
| Plan Option/Annual Premium | ₹30,000 | ₹50,000 | ₹1,00,000 | ₹2,50,000 |
| Regular Income with Return of Premium | 6.79% | 6.85% | 6.89% | 6.92% |
| Regular Income for Short-term | 5.98% | 6.09% | 6.17% | 6.22% |
| Regular Income for Long-term | 6.44% | 6.51% | 6.56% | 6.59% |
| Lump Sum (Limited Pay) | 5.38% | 5.53% | 5.63% | 5.70% |
| Lump Sum (Single Pay) | - | 5.17% | 5.66% | 5.82% |
The above illustrated values are for a 30 year old male selecting
- Premium payment term as 10 years, policy term of 11 years and income period of 10 years taking income in annual instalment under Income option of ICICI Pru Guaranteed Income For Tomorrow (GIFT)
- Premium payment term as 12 years, policy term of 13 years and income period of 30 years taking income in annual instalment under Assured Income and Assured Income with 110% ROP option of ICICI Pru Guaranteed Income For Tomorrow (Long-term)
- Premium payment term as 10 years, policy term as 15 years under Lump sum (Limited Pay) plan option of ICICI Pru Guaranteed Income For Tomorrow (GIFT)
- Policy term as 15 years under Lump sum (Single Pay) plan option of ICICI Pru Guaranteed Income For Tomorrow (GIFT)
When does the Income start in Regular Income option and Regular Income + Return of Premium option?
The guaranteed^ regular flow of income starts after 2 years from the last premium payment in Assured Income, Assured Income with 110% ROP, Regular Income for Short-term options (except for Early Income option).
However, in Regular Income for Short-term option, there is an option named Early Income option where you can get income starting from the 2nd year onwards.
^Conditions apply
For how many years will I get income?
| Option | You will get Income for |
| Regular Income + Return of Premium | 15, 20, 25 or 30 years |
| Regular Income for Short-term | 5, 7 or 10 years |
| Regular Income for Long-term | 15, 20, 25 or 30 years |
Disclaimers
^Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.
*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.
’ICICI Pru Guaranteed Income For Tomorrow (Long-term) offers four plan options namely, 'Income' , 'Assured Income', ‘Assured Income with 110% ROP’ and ‘Income with 110% ROP’ . The customer can choose any plan option from the two available options. Please refer to the brochure for more details.
$You get more returns in terms of IRR if you pay more money. For example, for a 30-year-old healthy male, if you pay ₹50,000 yearly for 10 years and choose income period of 10 years, taking income in annual instalment under Income plan option in ICICI Pru Guaranteed Income For Tomorrow, you get ₹1.01 Lakh yearly for 10 years with 6.09% Internal Rate of Return (IRR) whereas if you pay ₹1 Lakh yearly for 10 years and choose income period of 10 years, taking income in annual instalment under Income plan option in ICICI Pru Guaranteed Income For Tomorrow, you get ₹2.05 Lakh yearly for 10 years with 6.17% Internal Rate of Return (IRR).
1The guaranteed income is calculated for a 30-year-old healthy male with a premium paying term of 7 years and income period of 30 years taking income in annual instalment under Assured Income with 110% ROP plan option in ICICI Pru Guaranteed Income For Tomorrow (Long-term). 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. Total benefit is calculated by taking the sum of all guaranteed incomes payable over the entire income duration plus the 110% Return of Premium amount payable on maturity.
2The guaranteed income is calculated for a 30-year-old healthy male with a premium paying term of 12 years and income period of 30 years taking income in annual instalment under Assured Income with 110% ROP plan option in ICICI Pru Guaranteed Income For Tomorrow (Long-term). 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. Total benefit is calculated by taking the sum of all guaranteed incomes payable over the entire income duration plus the 110% Return of Premium amount payable on maturity.
~Additional Benefit is offered for online sales: For Income Plan option and Assured Income Plan option in ICICI Pru Guaranteed Income For Tomorrow (Long-term), 1.5% of Guaranteed Income is applicable. For Income with 110% ROP Plan option and Assured Income with 110% ROP Plan option in ICICI Pru Guaranteed Income For Tomorrow (Long-term), 2% of Guaranteed Income is applicable. For Lump Sum Plan option in ICICI Pru Guaranteed Income For Tomorrow, 2.5% of Sum Assured on Maturity is applicable for Limited pay. In case of Single Pay in Lump Sum Plan option of ICICI Pru Guaranteed Income For Tomorrow, 1% of Sum Assured on Maturity is applicable. For Income Plan option in ICICI Pru Guaranteed Income For Tomorrow, 2.5% of Guaranteed Income is applicable. For Early Income Plan option in ICICI Pru Guaranteed Income For Tomorrow, 3.5% of Guaranteed Income is applicable. For Single Pay Income Plan option in ICICI Pru Guaranteed Income For Tomorrow, 1% of Guaranteed Early Income is applicable.
#ICICI Pru Guaranteed Income For Tomorrow offers four plan options namely 'Lump sum', 'Income', 'Early Income' and 'Single Pay Income'. The customer can choose any plan option from the four available options. Please refer to the brochure for more details.
3The guaranteed income is calculated for a 30-year-old healthy male with a premium paying term of 10 years, policy term of 11 years and income period of 10 years taking income in annual instalment under Income plan option in ICICI Pru Guaranteed Income For Tomorrow. 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.
4The guaranteed income is calculated for a 30-year-old healthy male with a premium paying term of 12 years and income period of 30 years taking income in annual instalment under Assured Income plan option in ICICI Pru Guaranteed Income For Tomorrow (Long-term). 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. Total benefit is calculated by taking the sum of all guaranteed incomes payable over the entire income duration.
5Calculated for a 30-year-old healthy male with a premium paying term of 10 years and a policy term of 20 years for Lump Sum plan option in ICICI Pru Guaranteed Income For Tomorrow. 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.
6Calculated for a 30-year-old healthy male with one-time premium payment and a policy term of 10 years for Lump Sum plan option in ICICI Pru Guaranteed Income For Tomorrow. 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.
^^Data regarding AUM is as per Annual Report of the Company for FY2022
``Bonus declared for policyholders of participating policies:- Source: https://www.livemint.com/companies/news/icici-prudential-declares-highest-ever-annual-bonus-of-rs-968-8-cr-to-policyholders-for-fy22-11655724841277.html
~~Death due to any reason: 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 Benefit is available with ICICI Pru Corona Protect Rider. ICICI Pru Guaranteed Income For Tomorrow can be purchased without this rider. Hospitalization admission in a Hospital should be 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 Hospitalization.
%58.1 mn lives covered across our individual and group customers as per ICICI Prudential Life Council Report
`Average turnaround time for non-investigated retail death claims from receipt of last requirement as per Annual report for FY2022
! Nearly 70% of Indians have increased savings and investments post pandemic:- Source: https://www.financialexpress.com/money/nearly-70-indian-consumers-have-increased-savings-and-investments-post-pandemic-report/2220208/
Ⱶ At any time during the income period, the claimant has the option to receive the future GIs discounted at a rate of 9.00% p.a., in the form of a lump sum benefit. This discount rate is not guaranteed and is computed with reference to prevailing yield on 10 year Government. Any change in discount rate/formula will be subject to prior approval from IRDAI.
ICICI Pru Guaranteed Income For Tomorrow (Long-term) UIN:105N185V11
ICICI Pru Guaranteed Income For Tomorrow UIN:105N185V06
ICICI Pru Assured Savings Insurance Plan UIN:105N144V08
Comp Code : COMP/DOC/Feb/2023/72/2211.
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. Advt No: W/II/1765/2022-23
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IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.