1The guaranteed income is calculated for a 30-year-old healthy male with a premium paying term of 10 years and income period of 30 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.
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 ₹1,19,34,510 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 10 years, policy term of 11 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.
5The regular income is for a 30-year-old healthy male paying premium monthly with a premium paying term of 10 years, policy term of 11 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, policy term of 11 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 10 years, policy term of 11 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 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 ₹1,00,19,250 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 ₹1,11,82,650 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. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
~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. 15,000 per month and taking income in annual mode under the 'Assured Income with 110% ROP' plan of ICICI Pru Guaranteed Income For Tomorrow (Long-term). 4.07X 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.
++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:105N185V11. Advt. No.: W/II/1369/2022-23
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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.