The Income and Assured Income plan option offers 1.5% Additional Guaranteed Income The Income with 110% ROP and Assured Income with 110% ROP plan option offers 2% Additional Guaranteed Income

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).*

Buy Guaranteed Income Plan & Get Guaranteed Returns

Q: Guaranteed Income Plans

A guarantee that you will receive a fixed amount regularly along with a life cover – doesn’t it provide the perfect sense of security? This certainty helps you avoid worrying over expenses on luxuries that add joys to life. It assures the fulfilment of your loved ones’ life goals. It also ensures financial stability for your retirement years. And if you also get the surety that your family’s financial needs will be covered even in your absence? Nothing could be more stress-relieving than that. Guaranteed income plans provide that certainty. Such life insurance-cum-savings plans guarantee regular payouts and investment benefits. A guaranteed income plan also assures a life cover. It secures your family against financial hardships in case of an eventuality. Thus, such plans enable you to ensure the lifestyle you want for your loved ones, even in your absence.

Q: Why should you buy guaranteed income plans?

Guaranteed tax-free* income: After you pay the premiums for the specified period, an assured income starts flowing in. Thus, it acts as an extra income source to fund your child’s education, foreign trips, and other goals. You can opt to receive the payouts either annually or every month as per your financial needs. Thus, the right guaranteed income plan creates an alternate source of tax-free* income. With such plans, you can start enjoying the freedom of retired life even before you turn 60 years old. Life cover for the entire policy term: Your life cover remains active throughout the policy tenure. Thus, your loved ones stay safe from financial uncertainties in case of your unfortunate demise. Tax deductions: You can avail a tax* deduction of up to ₹1.5 lakh for premiums paid under Section 80C of the Income Tax Act, 1961.

Q: Benefits of guaranteed income plans

Death Benefit: In case of the unfortunate demise of the life assured, guaranteed income plans pay a lumpsum amount to your nominee. It may help to cover your loved ones’ living costs in your absence. MaturityBenefit: An assured income plan offers periodic payments at the end of the policy term. Some policies also allow you to enjoy the payouts before the policy end date arrives. Thus, you can enjoy financial stability with such plans. Tax benefits: The premiums that you pay qualify for tax* benefits under section 80C of the Income Tax Act of 1961. The maturity proceeds are also tax-free subject to conditions under Section 10(10D).

Q: Who should buy guaranteed income plans?

A guaranteed income plan is ideal for you if: you want a fixed additional income you wish to safeguard your investments from market fluctuations you are looking for financial freedom in your retirement years

Q: Save the Date Feature

With Save the Date# feature, you have the option to receive income on any special date like your spouse's birthdate or on your anniversary

Q: Premium Discontinuance

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.

Q: Loan against Policy☩

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.

You Pay	Life Cover^-	You Get
₹5,000 p.m.	₹6 Lakh	₹72,236 p.a. + ₹7,92,000
₹7,500 p.m.	₹9 Lakh	₹1.08 Lakh p.a. + ₹11,88,000
₹10,000 p.m.	₹12 Lakh	₹1.45 Lakh p.a. + ₹15,84,000

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

Guaranteed Income Plans

Why should you buy guaranteed income plans?

Benefits of guaranteed income plans

Who should buy guaranteed income plans?

Online Benefit

Save the Date Feature

Tax Saving

Premium Discontinuance

Loan against Policy^☩

Disclaimer

^<ClaimForSure: 1 Day Death Claim Settlement is available for the following:

a) Policies that have been active for 3 consecutive years. All due premiums in the policy have been paid and the policy has been active for 3 consecutive years preceding life assured's death.

b) All mandatory claim documents are submitted at the branch. Mandatory documents to be submitted at Branch Office-Claimant statement form,Original policy certificate,Copy of death certificate issued by local authority, AML KYC documents-Nominee's recent photograph, Copy of Nominee's pan card,Nominee's current address proof, photo identity proof, Cancelled cheque/Copy of bank passbook,Copy of medico legal cause of death,Medical records (Admission notes,Discharge/Death summary,Test reports, etc). For accidental death-Copy of FIR, Panchnama,Inquest report,Postmartem report,Driving license.

c) Total claim amount of all the life policies held by the Life Assured <=₹ 1.5 Crore

d) Claim does not require any on-ground investigation

^<1 Day is a working day, counted from date of receipt of all relevant documents from the claimant, additional information sought by the Company and any clarification received from the claimant. The Company will be calling the claimants for verification of information submitted by the Claimant which will also be considered as part of relevant documents. Working day will be counted as Monday to Friday and excluding National holidays/Bank holidays/Public holidays.

^∆Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. In case of breach in regulatory turnaround time, interest will be paid as per IRDAI regulations.

¹The total amount is calculated for a 30-year-old healthy male with a premium paying term of 12 years paying premiums in monthly mode, with a deferment of 2 years and income period of 30 years taking income in annual instalment under Assured Income with 110% ROP 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.

^1aThe total amount is calculated for a 30-year-old healthy male with a premium paying term of 12 years, deferment period of 2 years, policy term of 14 years and income period of 30 years taking income in annual installment under Assured Income with 110% ROP 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 ₹1,00,26,630 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.

²Life Cover is the benefit payable on death of the life assured during the policy term. The Policy Term may vary on the basis of plan option selected.

³The total amount is calculated for a 30-year-old healthy male with a premium paying term of 10 years paying premiums in monthly mode and income period of 30 years taking income in annual installment under Assured 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 ₹1,09,33,650 is calculated by taking the sum of all guaranteed incomes payable over the entire income duration.

⁴The regular income is for a 30-year-old healthy male paying premium monthly with a premium paying term of 12 years, policy term of 13 years and income period of 20 years taking income in annual instalment under Assured 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. 1.54 times is calculated by dividing ₹ 1,54,856 (Guaranteed Annual Income) by ₹ 1,00,000 (Annual Premium)

⁵The regular income is for a 30-year-old healthy male paying premium monthly with a premium paying term of 12 years, policy term of 13 years and income period of 20 years taking income in annual instalment under Assured Income with 110% ROP 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.

⁶The regular income is for a 30-year-old healthy male with a premium paying term of 10 years, deferment period of 2 years, policy term of 12 years and income period of 25 years taking income in annual installment under Assured Income with 110% ROP 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.

⁷The regular income is for a 30-year-old healthy male with a premium paying term of 12 years, policy term of 13 years and income period of 30 years taking income in annual instalment under Assured Income with 110% ROP 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.

⁸The total amount is calculated for a 30-year-old healthy male with a premium paying term of 10 years paying premiums in monthly mode, deferment of 2 years and income period of 30 years taking income in annual installment under Assured Income with 110% ROP 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 ₹1,08,82,620 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.

⁹The total amount is calculated for a 30-year-old healthy male with a premium paying term of 12 years paying premiums in yearly mode, deferment period of 1 year and income period of 30 years taking income in annual installment under Assured Income with 110% ROP 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 ₹1,04,01,420 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.

^$$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.

^~~ICICI Pru Guaranteed Income For Tomorrow (Long-term) offers 4 options in income period namely 15, 20, 25 and 30 years. The customer can choose any plan option from the four available options. Please refer to the brochure for more details.

⁼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.

^#Save the Date:The policyholder has the option to receive GIs on any one date, succeeding the due date of first GI pay-out, to coincide with any special date such as birth date or anniversary date. This option needs to be selected at policy inception or before the completion of the premium payment term and is only available with annual mode of income. 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. The last GI will be paid on the date of maturity of the policy and not on the special date. Therefore, the interest rate mentioned above shall not be applicable for the last GI.

^*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. Policies issued on or after April 01, 2023 where aggregate premium in respect of Non - Unit linked life insurance policies more than ₹ 5 lakh p.a. is not exempt u/s 10(10D) of the Income Tax Act, 1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

^~Additional Benefit is offered for online sales: For Income/Assured Income Plan option, 1.5% of Guaranteed Income is applicable. For Income with 110% ROP/Assured Income with 110% ROP Plan option, 2% of Guaranteed Income is applicable.

^{^}Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force on the date of maturity.

^¶ICICI Pru Guaranteed Income For Tomorrow (Long-term) offers four plan options namely, Income, Assured Income, Income with 110% ROP, Assured 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 can take a policy loan after your policy acquires a surrender value. The maximum loan amount will be 80% of the surrender value.

^ŦThe total amount is calculated for a 30-year-old healthy male with a premium paying term of 7 years paying premiums in annual mode and income period of 15 years taking income in annual installment under Assured 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 is calculated by taking the sum of all guaranteed incomes payable over the entire income duration.

^℮The total amount is calculated for a 30-year-old healthy male with a premium paying term of 7 years paying premiums in annual mode and income period of 15 years taking income in annual installment under Assured Income with 110% ROP 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 is calculated by taking the sum of all guaranteed incomes payable over the entire income duration and the 110% return of premium benefit.

^ⱵThis illustration is for a 30 year old male paying premium of Rs. 10,000 per month, Premium Payment term of 12 years, 2years deferment and Income period of 30 years taking income in annual mode under the 'Assured Income with 110% ROP' plan of ICICI Pru Guaranteed Income For Tomorrow (Long-term). 4.35X is calculated by taking the sum of all benefits payable and dividing it by the total premiums paid.

^{^^}Data regarding AUM is as per Annual Report of the Company for FY2022.

^%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.

^``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

⁺⁺6.59% is the 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 41 years and income period of 30 years taking income in annual instalment under Income with 110% ROP plan option.

^∞Policies issued on or after April 01, 2023 where aggregate premium in respect of Non - Unit linked life insurance policies more than ₹ 5 lakh p.a. is not exempt u/s 10(10D) of the Income Tax Act, 1961. Tax benefits under the policy are subject to conditions under Sections 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time. Please consult your tax advisor for more details.

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. UIN:105N185V14. Advt. No.: W/II/0329/2023-24

BEWARE OF SPURIOUS / FRAUD PHONE CALLS!

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.

Rider Disclaimers

¹Accidental death benefit option: If the life assured covered by this benefit option passes away, due to an accident which happens within the coverage term, the Accidental Death Sum Assured will be paid out as a lump sum to the nominee. This amount will be payable if the accident occurs within the coverage term set under this benefit option, but death occurs beyond the Coverage term (however within 180 days from the date of the accident), provided the option is in-force or in grace period at the time of accident. On payment of the Accidental Death Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished.

²Accidental total and permanent disability benefit option: If the life assured covered by this benefit option become totally, continuously, and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider policy document.

³It refers to life cover available under the base policy at inception. Life cover is the benefit payable on death of the Life Assured during the policy term.

⁴Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to conditions under provisions of the Income Tax Act, 1961. Goods and Services 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 more details.

ICICI Pru Non-Linked Accidental Death and Disability Rider. UIN: 105B042V01. ADVT: W/II/0330/2023-24

Guaranteed Income Plan

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Frequently Asked Questions

You Pay	Life Cover^-	You Get
You Pay	Life Cover^-	Regular Income^● 110% Return of Premium
₹5,000 p.m.	₹6 Lakh	₹72,236 p.a. + ₹7,92,000
₹7,500 p.m.	₹9 Lakh	₹1.08 Lakh p.a. + ₹11,88,000
₹10,000 p.m.	₹12 Lakh	₹1.45 Lakh p.a. + ₹15,84,000