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Buy online & get up to 3.5% Additional Maturity Benefit~
Pay ₹5,000 p.m. & Get ₹10 Lakh+ in return 1
Pay ₹5,000 p.m. & Get ₹10 Lakh+ in return1

ICICI Pru Guaranteed Income For Tomorrow Calculator

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Recommended For
Youngsters
Monthly
Savers
Second Income
Child's Goals
Retirement
Goal Based
Savers
Youngsters
This plan helps youngsters and first time investors to set aside small regular savings from their monthly income for wealth creation and tax-benefits*.

Pay₹5,000 p.m. for 10 years

Get₹11.47 Lakh as income1

How the plan works?

Explore our 3 variants
Income
Early Income
Lump Sum
3 Minute Overview:
Invest for 5, 6, 7, 8, 10 or 12 years & get a Guaranteed^ Flow of Income in the later years.
Invest for 5, 6, 7, 8, 10 or 12 years & get a Guaranteed^ Flow of Income in the later years.
Watch your money grow by selecting the
plan options:
Watch your money grow by selecting the plan options:
Pay for
Get Income for
Your income starts from the 14th year
You Pay
Life Cover
You Get.
₹5,000 p.m.
₹6 Lakh
12,131 p.m.
₹7,500 p.m.
₹9 Lakh
18,196 p.m.
₹10,000 p.m.
₹12 Lakh
24,465 p.m.
.Includes 2.5% Additional Maturity Benefit Online~
Compare Plan Options
Compare Plan Options

Buy in 3 simple steps

1 Create your Savings Plan
Create your
Savings Plan
2 Fill Application Form
Fill Application
Form
3 Make Payment & Upload Document
Make Payment &
Upload Document
Plan Issued
Plan Issued
Keep these documents handy
Need help? Call us today

Why choose ICICI Prudential Life?

₹ 2.4 Lakh Crore
Assets Under
Management as on
March 31, 2022^^
5.81 Crore
Lives Covered as on
March 31, 2022%
1.5 Days
Average Claim
Settlement Time`
₹ 968.8 Crores
Bonus declared
for policyholders``
₹ 2.4 Lakh Crore
Assets under management
as on March 31, 2022^^
5.81 Crore
Lives Covered as on
March 31, 2022%
1.5 Days
Average Claim
Settlement Time`
₹ 968.8 Crores
Bonus declared for policyholders``

Frequently Asked Questions

Are Returns Guaranteed?
Returns are 100% guaranteed^ subject to all due premiums being paid and the policy being in force on the date of maturity.
^Conditions apply
Plan Option
Online Benefit
Income
2.5% of Guaranteed Income
Early Income
3.5% of Guaranteed Income
Lump Sum
(Limited Pay)
2.5% of Sum Assured on Maturity
Lump Sum
(Single Pay)
1.0% of Sum Assured on Maturity
Plan Option/
Annual Premium
(₹)
30,000
(₹)
50,000
(₹)
1,00,000
(₹)
2,50,000
Income
5.98%
6.09%
6.17%
6.22%
Early Income
5.13%
5.29%
5.40%
5.47%
Lump Sum
(Limited Pay)
5.39%
5.56%
5.69%
5.76%
Lump Sum
(Single Pay)
5.17%
5.66%
5.82%
The above illustrated values are for a 30 year old male selecting
  1. Premium payment term as 10 years, policy term of 11 years and income period of 10 years taking income in annual instalment under Income and Early Income plan option

  2. Premium payment term as 7 years, policy term as 15 years under Lump sum (Limited Pay) plan option

  3. Policy term as 15 years under Lump sum (Single Pay) plan option.
  1. For a premium payment term of 5 years, you will start getting guaranteed income from the end of 7th year

  2. For a premium payment term of 6 years, you will start getting guaranteed income from the end of 8th year

  3. For a premium payment term of 7 years, you will start getting guaranteed income from the end of 9th year

  4. For a premium payment term of 8 years, you will start getting guaranteed income from the end of 10th year

  5. For a premium payment term of 10 years, you will start getting guaranteed income from the end of 12th year

  6. For a premium payment term of 12 years, you will start getting guaranteed income from the end of 14th year
  1. For a premium payment term of 6 years, you will get guaranteed early income from 2nd year till 7th year and guaranteed regular income from 7 th year till 12 th year

  2. For a premium payment term of 7 years, you will get guaranteed early income from 2nd year till 8th year and guaranteed regular income from 8 th year till 14 th year

  3. For a premium payment term of 8 years, you will get guaranteed early income from 2nd year till 9th year and guaranteed regular income from 9 th year till 16 th year

  4. For a premium payment term of 10 years, you will get guaranteed early income from 2 nd year till 11th year and guaranteed regular income from 11th year till 20th year

  5. For a premium payment term of 12 years, you will get guaranteed early income from 2 nd year till 13th year and guaranteed regular income from 13th year till 24th year
With Save the Date feature#, you have the option to receive income on any special date like yours or your spouse's birthdate or on your anniversary date in Income and Early Income plan options.
  1. In Income plan option, you can choose to receive guaranteed income either monthly or yearly.

  2. In Early Income plan option, the frequency of Guaranteed Early Income pay-out will be as per the frequency of premium payment. You can choose to receive guaranteed regular income either monthly or yearly.
The premiums paid are eligible for Deduction u/s 80C * up to ₹1,50,000. You can also enjoy tax-free* payout as the Maturity Benefit is exempt subject to conditions u/s 10(10D)*.
If premium payment is discontinued after your policy has acquired a surrender value, your policy will continue as a ' paid-up' policy with reduced benefits. If you discontinue premium payment before your policy has acquired a surrender value, your policy will lapse and no benefits will be paid. For more details, please refer to the brochure.
You have the option of taking loan up to 80% of surrender value against the policy to help you in case of any financial emergencies.
Benefits
How the Plan Works?
FAQ's
Check Returns

1The total 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. 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.

2The total benefits is 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 Early Income 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. The total benefits is the sum of all incomes payable under the Early Income plan option.

3The regular income is 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. 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. The total benefits is the sum of all incomes payable under the Income plan option.

4Calculated for a 30-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.

5Calculated 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.

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. 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.

7Higher benefits for women: For a female life assured, the rates will be those applicable to male life assured two year younger.

##Save the Date: You can choose to receive income on any one date succeeding the due date of first income to coincide with any special date. This option is available only for Income and Early Income options. This option needs to be selected at policy inception or before the maturity date. The GIs payable from the special date will be increased for the deferment period i.e. the period between the due date of first GI pay-out and the special date, at an interest rate of 3.00% p.a. compounded monthly. Any change in interest rate will be subject to prior approval from IRDAI.

`In case of death of the Life Assured during the Income Period under Income plan &Early Income plan options, the nominee will continue to receive the Guaranteed Incomes (GIs) till the end of the Income Period. 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.

^^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

+Life Cover is the benefit payable on death of the life assured during the policy term.

*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.

Our Life insurance policies cover COVID-19 claims under life insurance claims, subject to applicable terms and conditions of policy contract and extant regulatory framework.

**Benefits from 2nd year onwards is available under the Early Income plan option.

''Guaranteed Income is the income that you receive during the Income Period under Income and Early Income plan options. Guaranteed benefits in the form of regular income will be payable under Income Plan option and Early Income Plan option provided all due premiums have been paid.

~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.

^Guaranteed benefits in the form of lump sum will be payable under Lump Sum Plan option. Guaranteed benefits in the form of regular income will be payable under Income Plan option and Early Income Plan option provided all due premiums have been paid.

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.

¶¶The total income is calculated for a 7-year-old healthy male with a premium paying term of 10 years, policy term of 11 years and income period of 5 years and taking income in annual instalment under Income 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. The calculation is made under the assumption that the child starts college at the age of 18 years and completes college at the age of 20 years, the child starts higher education at the age of 21 years and completes higher education at the age of 22 years.

$$The returns are derived basis age, gender and premium entered by the customer, pre-populated from the information provided at the time of filling the personal details in the calculator.

8 Premium recommendation is based on age and annual income while the returns is derived basis age and gender of the existing customer, pre-populated from the information provided at the time of previous policy purchase.

9 Interest rates are declining: Source - "https://www.livemint.com/money/personal-finance/rbi-keeps-interest-rates-low-despite-economic-revival-11628615514999.html

11The total amount is calculated for a 30-year-old healthy male with a premium paying term of 10 years paying premiums in monthly mode, policy term of 11 years and income period of 10 years taking income in annual installment under Income 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. Total benefit of ₹ 1,03,74,400 is calculated by taking the sum of all guaranteed incomes payable over the entire income duration.

`Average turnaround time for non-investigated retail death claims from receipt of last requirement as per Annual report for FY2022

You can take a policy loan after your policy acquires a surrender value. The maximum loan amount will be 80% of the surrender value.

☩☩1 Cr Returns: The total amount is calculated for a 30-year-old healthy male with a premium paying term of 10 years paying premiums of ₹ 38,000 in monthly mode and a policy term of 20 years for Lump Sum plan option. The premium shown is exclusive of taxes and ₹ 1,01,52,150 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.

OCalculated 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. The premium shown is exclusive of taxes and the mentioned benefit of ₹ 1,01,52,150 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.

--The total benefits is for a 30-year-old healthy male with a premium paying term of 5 years, policy term of 6 years and income period of 10 years taking income in annual instalment under Income 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

OOCalculated for a 30-year-old healthy male with a premium paying term of 5 years and a policy term of 10 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.

--The total benefits is for a 30-year-old healthy male with a premium paying term of 7 years, policy term of 8 years and income period of 7 years taking income in monthly instalment under Early Income 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. The total benefits is the sum of all incomes payable under the early income plan option.

%58.1 mn lives covered across our individual and group customers as per ICICI Prudential Life Council Report

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. ICICI Pru Guaranteed Income For Tomorrow UIN:105N182V06. Advt. No.: W/II/5043/2021-22.

 
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