.jpg)
.jpg)
Market-linked plan with built-in guaranteed2 returns and life cover1
Guaranteed Return Plan How is a Guaranteed Return Plan more reliable?
A guaranteed8 return plan is a low-risk plan.
It is not affected by the movements of the market.
A guaranteed8 return plan offers stable returns.
Family members financially covered.
8T&C Apply
Benefits of Guaranteed Return Investment Plan
Guaranteed return plans, along with other similar savings plans constitute 85% of all insurance plans bought in India2.
Here are some benefits of a guaranteed return investment plan that make these plans so popular:
Guaranteed> Returns
You can expect guaranteed> returns from such plans. The risk involved is low, so you can rely on these plans for your future.
>Conditions apply
Life Cover`
In case of an unfortunate incident during the policy term, your loved ones get the entire sum assured that can help them with their finances.
Tax Benefits*
You can get deduction^ of premiums paid under Section 123 (read with Schedule XV, Sr. No. 1, 2 & 4 )^ and Maturity amount is tax-free subject to conditions u/s 11 (read with Schedule II, Sr. No. 2)^ of the Income Tax Act, 2025.
Add-on Benefits
You can add riders or add-on benefits, such as an accidental death benefit, critical illness cover or waiver of premium, to your guaranteed return plan. This helps provide additional financial security to you and your family at affordable rates.
Death benefits
These plans provide financial security to your loved ones in case of an unfortunate event during the tenure of the plan.
Maturity Benefits
The guaranteed return investment plan offers maturity benefits on completing the plan duration. This amount can be used to fulfil your financial goals like buying a house, your child’s higher education or wedding, investing for retirement, and more.
Guaranteed return plan offered by ICICI Prudential Life
-02.png)
ICICI PruSignature Secure
In ULIPs, the investment risk in the investment portfolio is borne by the policyholder U .
Linked Insurance Products do not offer liquidity for the first 5 years. The policyholder cannot surrender or withdraw any invested monies until that period
- ULIP with inbuilt guaranteed 2 returns of up to 140% 4 of investment
- 7% guaranteed returns5 along with life cover~
- Convenience of one-time payment
- Zero premium allocation and policy administration charges!
245~!Conditions apply W/II/0774/2026-27
Factors to Consider when Buying a Guaranteed Return Plan
Below are some factors to consider when buying a guaranteed return insurance plan:
Financial Goals
You may have financial goals like buying a house, starting a new venture, saving for retirement and more. When choosing a guaranteed return plan, you must consider your financial goals. You should choose a plan that aligns with your goals and helps you achieve them.
Policy Tenure
The tenure of your guaranteed return investment plan is an important factor in achieving your financial goals. You must consider the time to achieve your financial goals and your life stage when purchasing a plan. A longer tenure can potentially yield better returns. While a shorter policy tenure can be subject to market fluctuations. You should take all these factors into consideration when choosing a plan that aligns with your goals.
Premium Payments
You should look for a plan that provides you with the flexibility of paying premiums one-time, annually, half-yearly or monthly as per your convenience. This can help you manage your financial situation and also achieve your goals.
Adequate Returns
It is essential to evaluate the guaranteed returns offered by the plan and ensure they align with your financial goals. Additionally, you must also check for any additional returns through bonuses or additions from the plan which can enhance your payouts.
What are the steps to buying a Guaranteed Return Investment Plan?
Here are the steps of buying a guaranteed return investment plan:
Create your savings plan
Fill application
Make payment & upload document
Plan
Issued
Like all investments, guaranteed return plans should be connected to your financial goals. These goals will depend on what stage of life you are at. Some may be looking to secure their child’s future; some may look for savings and a second stream of income, others may look for an income post retirement free from market risks. A guaranteed return plan will be suitable at any age for any life goal.
A guaranteed return insurance plan can be ideal for anyone and everyone. From a salaried individual to a business owner to a first time jobber or a person nearing retirement, Guaranteed Return insurance plan is a suitable plan for anyone and in any age-group. Since the policy terms for these plans range from 10 to 30 years, such plans can be suitable for saving for your future financial needs.
Frequently Asked Questions
The returns in a guaranteed return plan are fixed, meaning you know exactly how much you’ll get at maturity. Unlike market-linked plans, these don’t fluctuate with market performance. It is ideal if you prefer stability over potential for higher, but less certain, gains.
At maturity, you receive a lump sum payout that’s pre-determined at the start of the plan. This amount can be used for various financial goals, such as funding a child’s education or retirement.
Generally, equity investments and mutual funds have the potential to yield the highest returns over the long run, though they come with risks. If you prefer guaranteed returns, these plans offer stability but may not be able to compete with high-risk options in terms of returns.
Yes, many guaranteed return plans offer optional riders for added protection. You can include riders like disability rider or accidental death benefits, which provide extra financial support during emergencies. This can make your investment more comprehensive and suitable for unforeseen situations.
Consider your financial goals, investment horizon, and risk tolerance. Look at the plan’s maturity benefits, premium payment options, and any available riders. Also, check if the returns match inflation rates, as this impacts your actual purchasing power versue the returns over time.
For guaranteed returns, you can consider options like guaranteed return plans offered by life insurance companies. These plans provide life cover along with fixed returns, making them a balanced choice for securing your financial future.
The returns are dependent on the policy term, premium payment term, investor’s age and income period.
- Age - The earlier you invest the more will be your returns.
- Gender - Returns are higher for women investors vs male due to mortality rate.
- Policy Term - You also get higher returns for staying invested for longer. The longer you stay in the policy, the greater will be your returns.
For example, "if you pay for 5 years and get income for 10 years, the rate of return would be higher compared to what you pay for 5 years and opt for income for 5 years, since you stay for a longer duration."
There is no fixed rule as to how much money should one save every month or year. The obvious answer would be, the more the better. Then there are certain thumb rules like the 50/30/20 ruleˇ, which states that 50% of your budget or income should be kept for essentials like rent and food, 30% for discretionary spending, and at least 20% for savings. This too can vary depending on age and income. At a younger age, when one is starting a professional career, income and responsibilities may be lesser. When one is older income may be higher but so will be the responsibilities. The ideal way would be to have financial goals in mind and to work towards achieving them by saving accordingly.
Yes, Guaranteed plans help in saving tax^. The premiums paid for such plans are eligible for deduction under Section 123 (read with Schedule XV, Sr. No. 1, 2 & 4 )^ and the Maturity amount is tax-free^ subject to conditions prescribed u/s 11 (read with Schedule II, Sr. No. 2)^ of the Income Tax Act, 2025.
A guaranteed plan can be suitable for all types of investors. Be it first-time investors, salaried professionals, business owners and even those planning for their retirement. This plan has policy term options that can make it a good choice for anyone between the ages of 18 and 60 years.
Guaranteed plans should be selected basis an individual's financial goals and life stage/age, that he or she may be in. For example; a long-term guaranteed plan would best suit a young professional who has just started his/her career as the premium amount is affordable as tenure is spread over a long-term and the amount invested gets more time to give better returns. Similarly, someone who would be close to retiring and wishes to add to a guaranteed source of income may consider a short-term guaranteed plan.
ICICI PRU PROMISEWhy Choose ICICI Pru Life?
₹ 3.1 lakh Cr
Assets Under Management as on March 31, 2025^^
9.17 crore
Lives covered as on March 31, 2025^^
₹ 46,182 crore
Benefits paid till March 31, 2025`
1.2 days
Average claim settlement time7
`Life cover is the benefit payable on death of the Life Assured during the policy term.
!! As per IRDAI Annual Report 2021-22
<< Claim statistics are for Financial Year FY2021-22 and is computed on individual basis claims settled over total individual claims for the financial year. For details, refer to Annual Report on our website.
ˇ How much should you Save Every Month for a Secured Future? - https://www.canarahsbclife.com/blog/term-insurance/how-much-should-you-save-every-month-for-a-secured-future.html
^^Data regarding AUM is as per Annual Report of the Company for FY2025.
^^91.7 mn lives covered across our individual and group customers as per ICICI Prudential Life Council Report.
`As per Financial Statements (Schedule 4- Benefits paid (Gross)) of the company, benefits paid since inception up to March 31, 2025.
7Average turnaround time for non-investigated retail death claims from receipt of last requirement as per Annual report for FY2025
ICICI Pru Signature secure product card:
2 Guaranteed Benefits will be payable on survival of the Life Assured till the date of maturity and will be either 140% or 100% of the premium paid depending on the sum assured chosen
57% IRR on maturity is calculated on Guaranteed Maturity Benefit of 140% of premium paid in case 1.1x/ 1.25x sum assured option chosen upon survival of Life Assured till the date of Maturity.
4This benefit will be payable on survival of the Life Assured till the date of maturity and is applicable when sum assured chosen is 1.25 times or 1.1 times the single premium, where guaranteed maturity benefit (GMB) is calculated as 140% of premium paid.
!There are no premium allocation and policy administration charges in this product.
~Life cover is the benefit payable on death of the Life Assured during the policy term
ICICI Pru Signature Secure UIN : 105L210V01
245~!Conditions Apply
W/II/0221/2023-24
W/II/1402/2023-24
~^*1Conditions Apply
COMP/DOC/May/2026/295/0329
Signature Secure
IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDERU
The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year
URisk factors and warning statements
- Linked insurance products/ annuity products with variable pay-out options are different from traditional insurance products and are subject to the risk factors.
- The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
- ICICI Prudential Life Insurance in only the name of the Life Insurance Company and ICICI Pru Signature Secure is only the name of the linked insurance contract and does not in anyway indicate the quality of the contract, its future prospects or returns.
- Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company.
- The various funds offered under this contract are the names of the funds and do not in any way, indicate the quality of these plans, their future prospects and returns
57% IRR on maturity is calculated on Guaranteed Maturity Benefit of 140% of premium paid in case 1.1x/ 1.25x sum assured option chosen upon survival of Life Assured till the date of Maturity.
1Life cover is the benefit payable on death of the life assured during the policy term.
3Calculated for a 45-year-old healthy male with Single pay and policy term of 5 years. 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.
* 100% Tax-free Returns and No LTCG (Long Term Capital Gains) under the policy, subject to satisfaction of conditions prescribed u/s Section 11 (read with Schedule II, Sr. No. 2) of the Income Tax Act, 2025. Policies issued on or after February 01, 2021 where aggregate premium (including top-up premiums and rider premiums) payable during the term of the policy/policies in respect of Unit linked life insurance policies more than Rs 2.5 lakh per year per person is not exempt. Tax benefits/returns under the policy are subject to conditions under Section 123 (read with Schedule XV, Sr. No. 1, 2 & 4 ), Section 11 (read with Schedule II, Sr. No. 2), Section 202 and other provisions of the Income Tax Act, 2025. Goods and Services tax is exempt on Individual Life insurance policies issued/premiums due on or after September 22, 2025. Applicable taxes, if any will be charged as per prevailing rates. Tax laws are subject to amendments from time to time. Please consult your tax advisor for more details.
2Guaranteed Benefits will be payable subject to all due premiums being paid
ICICI Pru Signature Secure UIN : 105L210V01
W/II/0529/2026-27
COMP/DOC/Dec/2025/2612/1721
People like you also read...
