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Creating your personal application

Guaranteed Income Plan Calculator

Savings Plan

100% Guaranteed”, Tax-Free* Income
to grow your wealth 100% Guaranteed”,
Tax-Free* Income to grow
your wealth

  • Fixed Regular Income
  • Save Tax* up to ₹ 46,800
  • Tax-Free* Income
  • Life Cover
percent

Buy online & Get 2.5% Additional Maturity Benefit~

Read Plan Details Benefit Illustrations Download Brochurebrochure

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Benefits of ICICI Pru Guaranteed Income For Tomorrow

Ipru Icon Guaranteed Benefits^^
Get guaranteed benefits in the form of a lump sum or regular income depending on the plan option chosen.
Ipru Icon Financial Protection
Life cover+ for the entire policy term so that your family is financially secured even in your absence.
Ipru Icon Benefits from 2nd year onwards**
Get guaranteed early income' from 2nd year onwards under Early Income plan option.
Ipru Icon Tax* Benefits
Get tax-free maturity amount subject to section 10(10D) and deduction of premium paid u/s 80C up to ₹ 1,50,000

Learn More About Our Plan options

Income Early income Lump sum

You pay premiums for a certain period of time and at the end of the policy term, you will receive a guaranteed lump sum.

You can choose to pay premiums for 5 years 6 years 7 years 10 years 1 year
(Pay just once)
You can choose to get guaranteed lump sum at the end of 10 or 12 years 12 years 12 or 15 years 15 or 20 years 5 or 10 or 15 years
BENEFITS
MATURITY BENEFIT On survival of the life assured till the end of the policy term, for a fully paid policy, Sum Assured on Maturity will be payable at maturity.
DEATH BENEFIT
Limited Pay On death of the life assured during the policy term, the death benefit payable to the nominee is the highest of:
  • 10 X Annualised Premium
  • 105% of Total Premiums Paid up to the date of death
  • Sum Assured on Maturity X Death Benefit factor for Lump Sum Plan
Single Pay On death of the life assured during the policy term, the death benefit payable to the nominee is the higher of:
  • 1.25 X Single Premium or 10 X Single Premium.
  • Sum Assured on Maturity X Death Benefit factor for Lump Sum Plan
Get Double Benefit
Benefit illustration Anmol is a 35 year old IT professional. He wants to create a corpus to fund the higher education of his son. He decides to invest in ICICI Pru Guaranteed Income For Tomorrow.
One time Premium ₹ 10,00,000 with policy term 10 years and Life Cover ₹ 1 crore
After 10 years, he gets guaranteed lumpsum of ₹ 16.82 LAKH
Age
35 Yrs 45 Yrs
1 Rupee
maturity-amount
One time Premium ₹ 10,00,000
with policy term 10 years and Life Cover ₹ 1 crore
After 10 years, he gets guaranteed lumpsum of ₹ 16.82 LAKH
Age 35 Yrs
1 Rupee
maturity-amount
Age 45 Yrs

He also gets tax benefits* on both premiums paid and benefits received.

You pay premiums for a certain period of time and at the end of the policy term, you will receive a Guaranteed Income” for a certain period of time.

You can choose to pay premiums for 5 years 7 years 10 years
You get Guaranteed Income From end of the
7th year		 From end of the
9th year		 From end of the
12th year
You can choose to get Guaranteed Income for 5 or 7 or 10 years
BENEFITS
MATURITY BENEFIT On survival of the life assured till the end of the policy term, for a fully paid policy, Guaranteed Income (GI) will be payable at the end of every year/month, starting 1 year after the end of the policy term, for an income period as chosen at inception.
DEATH BENEFIT On death of the life assured during the policy term, the death benefit payable to the nominee is the highest of:
  • 10 X Annualised Premium
  • 105% of Total Premiums Paid up to the date of death
  • Annual GI X Death Benefit factor for Income Plan
Get Double Benefit
Benefit illustration Smita is a 35 year old IT professional. She wants to create an alternate source of income for herself so that she can plan to retire early. She decides to invest in ICICI Pru Guaranteed Income For Tomorrow.
Annual Premium ₹ 1,00,000 for 10 years
with policy term 11 years
and Life Cover ₹ 10 lakh
For next 10 years, she gets guaranteed income of ₹ 1.98 LAKH yearly
Age
35 Yrs 44 Yrs 47 Yrs 56 Yrs
---- after 2 years ----
1 Rupee
2 Rupee
3 Rupee
.............
10 Rupee
maturity-amount
Annual Premium ₹ 1,00,000
for 10 years
with policy term 20 years
and Life Cover ₹ 10 lakh
For next 10 years, she gets guaranteed income of ₹ 1.98 LAKH yearly
Age 35 Yrs
Age 44 Yrs
---- after 2 years ----
Age 47 Yrs
1 Rupee
2 Rupee
3 Rupee


10 Rupee
maturity-amount
Age 56 Yrs

She also gets tax benefits* on both premiums paid and benefits received.

Smita can also get Guaranteed Income” when she wants with Save the Date feature.

You get the policy benefit in the form of a regular income starting from as early as the 2nd year of the policy.

You pay premiums for You get Guaranteed
Early Income’		 You get Guaranteed Income” You get Guaranteed
Early Income’ equal to
7 years From 2nd year till 8th year From end of 8th year 20% of the annual premium
10 years From 2>nd year till 11th year From end of 11th year 25% of the annual premium
BENEFITS
MATURITY BENEFIT On survival of the life assured till the end of the policy term, for a fully paid policy, Guaranteed Income (GI) will be payable at the end of every year/month, starting from the end of the policy term, for an income period equal to Premium Payment Term (PPT).
SURVIVAL BENEFIT On survival of the life assured, Guaranteed Early Income (GEI) will be payable from the beginning of year 2 till the end of the policy term. GEIs will be set at policy inception and the frequency of GEI pay-out will be as per the frequency of premium payment. During PPT, GEI will be payable on receipt of premium instalment. After PPT, GEI will continue to be paid till the end of the policy term as per the prevailing pay-out frequency.
For a premium payment term of 7 years, GEI is 20% of Annualised Premium.
For a premium payment term of 10 years, GEI is 25% of Annualised Premium.
DEATH BENEFIT On death of the life assured during the policy term, the death benefit payable to the nominee is the highest of:
  • 10 X Annualised Premium
  • 105% of Total Premiums Paid up to the date of death
  • Annual GI X Death Benefit factor for Early Income Plan
Get Double Benefit
Benefit illustration Saurav is a 35 year old IT professional. He wants to create an alternate source of income for himself so that he can plan to retire early. Moreover, he wants some income to start off from the very next year to take care of his son’s school fees. He decides to invest in ICICI Pru Guaranteed Income For Tomorrow.
Annual Premium ₹ 1,00,000 for 10 years with income period 10 years, policy term 11 years and Life Cover ₹ 10 lakh
Age
35 Yrs 36 Yrs 44 Yrs 45 Yrs 46 Yrs 55 Yrs
1 Rupee
2 Rupee
3 Rupee
.............
10 Rupee
maturity-amount
For next 10 years, he gets guaranteed
early income of
₹ 25,000 yearly
For next 10 years, he gets
guaranteed income of
₹ 1.37 LAKH yearly
Annual Premium ₹ 1,00,000
for 10 years with income period 10 years, policy term 11 years and Life Cover ₹ 10 lakh
Age 35 Yrs
Age 36 Yrs
Age 44 Yrs
Age 45 Yrs
Age 46 Yrs
1 Rupee
2 Rupee
3 Rupee


10 Rupee
maturity-amount
For next 10 years, he gets guaranteed
early income of
₹ 25,000 yearly
For next 10 years, he gets
guaranteed income of
₹ 1.37 LAKH yearly
Age 55 Yrs

Saurav also gets tax benefits* on both premiums paid and benefits received.

He can also get Guaranteed Income" when he wants with Save the Date feature.

You pay premiums for a certain period of time and at the end of the policy term, you will receive a Guaranteed Income” for a certain period of time.

You can choose to pay premiums for 5 years 7 years 10 years
you get Guaranteed Income From end of the
7th year		 From end of the
9th year		 From end of the
12th year
You can choose to get Guaranteed Income for 5 or 7 or 10 years
BENEFITS
MATURITY BENEFIT On survival of the life assured till the end of the policy term, for a fully paid policy, Guaranteed Income (GI) will be payable at the end of every year/month, starting 1 year after the end of the policy term, for an income period as chosen at inception.
GI will be set at policy inception and will depend on policy term, premium, premium payment term, age and gender.
SURVIVAL BENEFIT No benefits are payable during the survival period.
DEATH BENEFIT On death of the life assured during the policy term, the death benefit payable to the nominee is the highest of:
  • 10 X Annualised Premium
  • 105% of Total Premiums Paid up to the date of death
  • Annual GI X Death Benefit factor for Income Plan
Get Double Benefit
Benefit illustration Smita is a 35 year old IT professional. She wants to create an alternate source of income for herself so that she can plan to retire early. She decides to invest in ICICI Pru Guaranteed Income For Tomorrow.
Annual Premium ₹ 1,00,000 for 10 years
with policy term 20 years
and Life Cover ₹ 10 lakh
For next 10 years, she gets guaranteed income of ₹ 1.93 yearly
Age
35 Yrs 44 Yrs 47 Yrs 54 Yrs
1 Rupee
2 Rupee
3 Rupee
.............
10 Rupee
maturity-amount
Annual Premium ₹ 1,00,000
for 10 years with policy term 20 years and Life Cover ₹ 10 lakh
For next 10 years, she gets guaranteed income of ₹ 1.93 yearly
Age 35 Yrs
Age 44 Yrs
---- after 2 years ----
Age 47 Yrs
1 Rupee
2 Rupee
3 Rupee


10 Rupee
maturity-amount
Age 54 Yrs

She also gets tax benefits* on both premiums paid and benefits received.

Smita has the flexibility to receive the Guaranteed Income” every month for the selected Income Period.

Why Choose ICICI Prudential Life^
₹ 1,50,000 Cr+
Assets Under Management as on March 31, 2020
₹ 19,300 Cr+
Benefit paid up till March 31, 2020
1.6 Days`
Average claim settlement time

We are happy to help you!

Frequently Asked Questions

Do I get any additional benefit by buying this plan online?
Yes, you will get additional Maturity Benefit as listed below:
Plan options 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 options Income Early Income Lump Sum
Premium Payment Term
(in years)		 5 7 10 7 10 5 6 7 10 One Time
(Single Pay)
Policy Term
(in years)		 6 8 11 8 11 10,12 12 12,15 15,20 5, 10 or 15 years
Minimum Age at Entry
(in years)		 18 minus Policy Term
Maximum Age at Entry
(in years)		 60 60 60 For Sum Assured on Death:
10X: 45
1.25X: 60
Minimum Age at Maturity
(in years)		 18
Maximum Age at Maturity
(in years)		 71 71 80 For Sum Assured on Death:
10X: 60
1.25X: 75
Plan Option Income Early Income Lump Sum
(Limited Pay)		 Lump Sum
(Single Pay)
Minimum Annual Premium Rs. 30,000 Rs. 30,000 Rs. 6,000 Rs. 50,000
Single Pay, Monthly, Half-Yearly and Yearly premium payment modes are available under this plan.
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

Need help?

Our experts are happy to answer any questions you may have.

Call us at 1800-209-9777

Call centre hours -

9.00 a.m. - 9.00 p.m. all days

4 Simple Steps to Buy Online

1
Choose investment amount

Choose investment amount

Choose our online calculator to decide your investment amount and policy term.

2
Upload documents

Upload documents

Upload documents to pre-fill application form with details. This will also ensure faster issuance.

3
Make a payment

Make payment

Pay via a range of options including Net Banking/Debit Card/Credit card/ Payment Wallets.

4
Plan issued

Plan issued

Congratulations! Get digital Welcome Kit as soon as the plan is issued.

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Buying  for  - self   |   Male   |   30 years

Customise your plan
Income
Early Income
Lump Sum
I am
Get guaranteed returns
₹ 15.7 Lakhs Yearly
&
Life cover  
You will get ₹ 15.7 Lakh at the end of 10 years by investing just
₹ 2500 years for 5 years.
Error
Policy Term is XX years
Error
Get guaranteed returns
₹ 15.7 Lakhs Yearly
&
Life cover  
You will get ₹ 15.7 Lakh at the end of 10 years by investing just ₹ 2500 years for 5 years.

Want income on specific date?

Corona Protect Rider (Pay only once)
Our Corona Protect Rider provides cover against hospitalization# for minimum 72 hours due to COVID-19 and on death due to any reason~~, for a one year term
@ ₹ 500 additional one-time premium

(Inclusive of GST)

Proceed

Why Choose ICICI Prudential Life^

₹ 1,50,000 Cr+
Assets Under Management as on March 31, 2020
₹ 19,300 Cr+
Benefit paid up till March 31, 2020
1.6 Days`
Average claim settlement time

1The regular income is for a 30 year old healthy male taking income in annual instalment under Income plan option.

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.

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.

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.

8Premium 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.

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

`Average turn-around-time for non-investigated claims from receipt of last requirement

##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.

^Source: https://www.iciciprulife.com/content/dam/icicipru/about-us/mediacentre/ICICI_Pru_Life-FY2020_Earnings_release-25_April_2020.pdf

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

*Tax benefits of ₹ 54,600(₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) 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 and health premium u/s 80D of ₹ 25,000. 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. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

‘Guaranteed Early Income is the income that you receive from 2nd year during your policy term. The frequency of Guaranteed Early Income is same as that of your premium payment.

**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.

~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.

~~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.

++6.12% is the IRR (internal rate of return) calculated not considering taxes chargeable on premiums paid for a 30 year old healthy male selecting Annual Premium as ₹ 1,00,000, Premium payment term as 10 years, policy term of 11 years and income period of 10 years taking income in monthly instalment under Income plan option.

#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.

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

☩You can take a policy loan after your policy acquires a surrender value. Loan amount up to 80% of the surrender value can be availed. For more details please refer product brochure.

Comp code.(Existing Customer Message) - COMP/DOC/Dec/2020/1412/5002

Comp code.(Corona Protect Rider) - COMP/DOC/Apr/2021/54/5577

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. UIN:105N182V02. Advt. No.: W/II/3876/2021-22.

 
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